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Business Profile

Collections Agencies

National Credit Systems, Inc.

Headquarters

This business is NOT BBB Accredited.

Find BBB Accredited Businesses in Collections Agencies.

Complaints

This profile includes complaints for National Credit Systems, Inc.'s headquarters and its corporate-owned locations. To view all corporate locations, see

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National Credit Systems, Inc. has 4 locations, listed below.

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    Customer Complaints Summary

    • 2,985 total complaints in the last 3 years.
    • 675 complaints closed in the last 12 months.

    If you've experienced an issue

    Submit a Complaint

    The complaint text that is displayed might not represent all complaints filed with BBB. Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business.

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    Complaint status

    Complaint type

    • Initial Complaint

      Date:09/01/2022

      Type:Billing Issues
      Status:
      Answered
      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      The National Credit Systems refuses to take into account the proof that I have against their 'client' who has sent my account to the NCS.Instead of being a mediator they are behaving as an agent of the said 'client'.Attached is the proof which I sent to them.

      Business Response

      Date: 09/02/2022

      The purpose of this posting is specifically, and only, related to the review you left on our company. While it is our obligation to collect on debts placed with our company by our clients, it is our strong desire to operate in an ethical and professional manor. Additionally, we do not wish to collect any amount that is not legitimately owed according to the agreement you may have signed or by law in your state. If you believe that this has not occurred, we encourage you to contact us at ******************************** Please provide specifics, such as account ID and other details, so we may access your account to review. Thank you in advanced for providing this information so we can improve our service. In addition NCS has investigated the dispute and the The ************************ has adjusted the balance on file. I have attached the information for your review.

    • Initial Complaint

      Date:09/01/2022

      Type:Billing Issues
      Status:
      Answered
      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      Contacted Debt collector asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me therefore you are reporting misleading false account. Delete this unverified and misleading account.

      Business Response

      Date: 09/02/2022

      NCS has investigated this consumers complaint. During this process,we review our system notes along with call recordings that *** have been associated with this issue. Additionally, if necessary, we will discuss the matter with any employee who *** have communicated with the consumer. In this instance, we performed our investigation and believe our company acted appropriately. It appears that the consumer has mischaracterized this issue and the complaint is unwarranted.

    • Initial Complaint

      Date:08/30/2022

      Type:Order Issues
      Status:
      Answered
      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      I am not liable for this debt with ************************ APTS and do not have a contract with NATIONAL CREDIT SYSTEM. They did not provide me with original application like I asked.

      Business Response

      Date: 08/31/2022

      I would like to point out that National Credit Systems, Inc. is only a third-party debt collection agency that is collecting a debt on behalf of ************************ Apartments & Sure Deposit. This debt did not originate with our organization, nor do we have permission from ************************ Apartments & Sure Deposit to release **************** from liability for this debt.

      **************** has disputed his debt and NCS, as required by law, has submitted his dispute to the CRAs. We have conducted an investigation of **************** dispute and our client confirmed that the charges accessed to him were accurate.  The outcome of our investigation has been mailed to **************** on 09/25/2019.

      In addition, I am enclosing the documentation NCS received from ************************ Apartments & Sure Deposit supporting the charges that they accessed to *****************

      I hope that the above response will provide your office with the information you are seeking. Please contact me with any additional questions.






      Thank you

    • Initial Complaint

      Date:08/28/2022

      Type:Order Issues
      Status:
      Resolved
      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      the above company thats listed (NATIONAL CREDIT SYSTEM) violated my consumer rights state section 15USC.1.69 this company made 4 FDCPA VIOLATIONS; that I will and can take to STATE & FEDERAL court to file a lawsuit for breaking each violation! Violation 1 the above company garnish my rent deposit without my knowledge and applied towards a debt they stated I owe. I owe this company nothing me and this company dont have any bonded contract this a 3rd party company whos is violating my consumer rights! Violation 2 the above company emailed me 5/11/22 about an account I have no knowledge about! After a notice was sent out 06/09/22 about the same debt! When the representative *************************: states on a recorded line to check my spam folder!Violation 3 this company signed for certified documents to be filled out and sent back in writing for the requested information 07/25/22 & stated in the notice to reply within 30 days of receiving notice this company exhausted the 30 days and failed to provide me with complete & accuracy of validation of debt!Violation 4 this company failed to explain their way of verification they use to verify the debt. The original creditors & new management stated no one sent any letters in writing to verify debt; so the above debt collectors are using old documentation & fabricated information to complete each investigation.

      Business Response

      Date: 08/29/2022

      I would like to point out that National Credit Systems, Inc. is only a third-party debt collection agency that is collecting a debt on behalf of The Elysian I Apartments. This debt did not originate with our organization, nor do we have permission from The Elysian I Apartments to release *************** from liability for this debt.

      **************** has disputed her debt and NCS, as required by law, has submitted her dispute to the CRAs. We have conducted an investigation of **************** dispute and our client confirmed that the charges accessed to her were accurate.  The outcome of our investigation has been mailed to **************** on 08/23/2022 .

      In addition, I am enclosing the documentation NCS received from The Elysian I Apartments supporting the charges that they accessed to *****************

      I hope that the above response will provide your office with the information you are seeking. Please contact me with any additional questions.






      Thank you

      Customer Answer

      Date: 08/29/2022

       
      Better Business Bureau:

      I have reviewed the response made by the business in reference to complaint ID ********, and find that company is lying about communicating with the Elysians apartments the old manager had got fired in July . And been staffed with new workers and neither worker that I spoke with the new property manager and assistant property manager stated that they havent received any form of writing from your company to argue your case yall are illegal and committing falsely info to the credit bureau! Yall never verified the debt yall took my deposit money and applied it to an debt that dont belong to me I dont owe this I sent over fact and electronic signature of me purchasing a uhaul and storage to move you seen where the ledger showed I wasnt charged in December because I was gone ********* consumer law states that creditor have 30 days to respond back in WRITING to the consumer with ACCURATE & PROVEN EVIDENCE & what METHOD OF VERIFICATION YOU USE TO VERIFY THIS INFORMATION??? And your company FAILED to do so after you signed for the certified mail! If you dont remove this violation I will file a law suit with my Local state court! 

      Sincerely,

      ***************************

    • Initial Complaint

      Date:08/26/2022

      Type:Billing Issues
      Status:
      Answered
      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      To Whom it may concern,This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. NATLCRSYS ******* $662 NATLCRSYS ******* $3,910 Under the Fair Credit Reporting Act, 15 U.S.C. ****g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611(a)(5)(A)(i). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.

      Business Response

      Date: 08/29/2022

      NCS has investigated this consumers complaint. During this process,we review our system notes along with call recordings that *** have been associated with this issue. Additionally, if necessary, we will discuss the matter with any employee who *** have communicated with the consumer. In this instance, we performed our investigation and believe our company acted appropriately. It appears that the consumer has mischaracterized this issue and the complaint is unwarranted. We are still waiting for the Fraud Affidavit to be sent back to us that was sent to consumer 7/5/2022. 

    • Initial Complaint

      Date:08/26/2022

      Type:Sales and Advertising Issues
      Status:
      Answered
      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      I lived in a apartment that was infested with roaches and had a mold problem. I moved into the apartment right before the lockdown for Covid 2020. I only lived there 3 months! I came home for work and the entire kitchen ceiling had fell to the floor with black mold and roaches everywhere in the kitchen floor. I called the health department and had to wait for them to come out due to Covid lockdown. The apartment did not come out and ignored my calls. The health **** made it out and filed a report and noted the ***** infestation and mold everywhere. He wrote it all in the report. I had to move!!! National Credit Systems, *** has **** on my credit report and will not listen to what Im telling them! I HAD TO MOVE THE APARTMENT WAS INFESTED WITH ******* AND MOLD. ************* Apartments in ********** ** should be Closed!!! I need help with dealing with them. They are the most rude unprofessional people! Everything in the world was closed due to Covid and a shut down and I have a report from the health department and they refuse to listen or work with me. Im searching for an attorney now to take them down!!! National Credit Systems should be closed permanently!!!!

      Business Response

      Date: 08/26/2022

      I would like to point out that National Credit Systems, Inc. is only a third-party debt collection agency that is collecting a debt on behalf of ************* Apartments. This debt did not originate with our organization, nor do we have permission from ************* Apartments to release ******************** from liability for this debt.

      ******************** has disputed her debt and NCS, as required by law,has submitted her dispute to the CRAs. We have conducted an investigation of ******************** dispute and our client confirmed that the charges accessed to her were accurate.  The outcome of our investigation has been mailed to ******************** on 1/26/22 .

      In addition, I am enclosing the documentation NCS received from Lakeside Villas Apartments supporting the charges that they accessed to *********************

      I hope that the above response will provide your office with the information you are seeking. Please contact me with any additional questions.






      Thank you

    • Initial Complaint

      Date:08/25/2022

      Type:Customer Service Issues
      Status:
      Answered
      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      I am not liable for this debt with ************ and I do not have a contact with nation credit systems, ***** They did not provide me with the original application like I asked .

      Business Response

      Date: 08/26/2022

      The purpose of this posting is specifically, and only, related to the review you left on our company. While it is our obligation to collect on debts placed with our company by our clients, it is our strong desire to operate in an ethical and professional manor. Additionally, we do not wish to collect any amount that is not legitimately owed according to the agreement you may have signed or by law in your state. If you believe that this has not occurred, we encourage you to contact us at ******************************** Please provide specifics, such as account ID and other details, so we may access your account to review. Thank you in advanced for providing this information so we can improve our service.

    • Initial Complaint

      Date:08/24/2022

      Type:Order Issues
      Status:
      Answered
      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      I have an amount on my rental history that is not accurate. I called to get a validation letter and was talk to very rudely and the man was refusing to send to me by mail and want to send to my email and I refused and he began to say that I refuse to update my address and I never called there before. He put me on hold and hung on me.

      Business Response

      Date: 08/25/2022

      NCS has investigated this consumers complaint. During this process,we review our system notes along with call recordings that *** have been associated with this issue. Additionally, if necessary, we will discuss the matter with any employee who *** have communicated with the consumer. In this instance, we performed our investigation and believe our company acted appropriately. It appears that the consumer has mischaracterized this issue and the complaint is unwarranted. In addition, I am enclosing the documentation NCS received from ****************** Apartments supporting the charges that they accessed to *************  

    • Initial Complaint

      Date:08/21/2022

      Type:Customer Service Issues
      Status:
      Answered
      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      I was contacted in September of 2021 in regards to an account that I was accused of having. The representative was very sweet and understanding with the entire situations. However, now going through a routine credit report check I am showing that debt is being reported on my credit report with all national credit bureaus and the account information is 0% correct, nor do I have any legal obligation to this so called "account". I want this account removed and deleted. I understand the terms and conditions of the companies policies and the fine print as I have read into and researched with a lawyer.

      Business Response

      Date: 08/22/2022

      NCS has investigated this consumers complaint. During this process,we review our system notes along with call recordings that *** have been associated with this issue. Additionally, if necessary, we will discuss the matter with any employee who *** have communicated with the consumer. In this instance, we performed our investigation and believe our company acted appropriately. It appears that the consumer has mischaracterized this issue and the complaint is unwarranted. In addition we set this consumer up on a payment plan on this account, consumer defaulted 6/28/2021. NCS attempted to reach out to this consumer with no response.

    • Initial Complaint

      Date:08/17/2022

      Type:Billing Issues
      Status:
      Answered
      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      I'm depressed and suicidal after dealing with the unauthorized use of my personal information. Which resulted in this unauthorized item on my credit report. I sent letters over 30 days ago and they failed to get back with me with sufficient validation. This account violates the ***** and must be deleted immediately because those are serious violations and I could be compensated for them.

      Business Response

      Date: 08/18/2022

      The purpose of this posting is specifically, and only, related to the review you left on our company. While it is our obligation to collect on debts placed with our company by our clients, it is our strong desire to operate in an ethical and professional manor. Additionally, we do not wish to collect any amount that is not legitimately owed according to the agreement you may have signed or by law in your state. If you believe that this has not occurred, we encourage you to contact us at ******************************** Also please print out the Id theft packet attached, fill it out, mail it back with a copy of your id and police report. Thank you in advanced for providing this information so we can further investigate this matter.

    National Credit Systems, Inc. is NOT a BBB Accredited Business.

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