Business Profile

Collections Agencies

National Credit Systems, Inc.

Headquarters

This business is NOT BBB Accredited.

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Complaints

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

Customer Complaints Summary

2,986 total complaints in the last 3 years.
694 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.

Initial Complaint
Date:08/17/2022
Type:Order Issues
Status:
AnsweredMore info
Complaint statuses
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 Legacy Five Twenty One and do not have a contract with National Credit System. They do not provide me with the original application like I asked.
Business Response
Date: 08/17/2022
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:08/16/2022
Type:Billing Issues
Status:
ResolvedMore info
Complaint statuses
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.
Date open-05-19-2018 Account Number-37859X Balance-$2,803 (NATLCRSYS) Contact-************** Date open-09-03-2015 Account Number-624954XXXX Balance-******************************************** RECOVERY OPERATIONS ************************************************ ((800) 852-1922)15 ********** Section 602 A. States I have rights to privacy 15 U.S.C **** Section 604 A Section 2:It also states a consumer reporting agency cannot furnish a account without my written instructions 15 U.S.C. 1692C-Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt 15 U.S. Code 1692b-Not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt.
Business Response
Date: 08/17/2022
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.
Customer Answer
Date: 08/17/2022

Better Business Bureau:

I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me.

Sincerely,

****************************
Initial Complaint
Date:08/15/2022
Type:Billing Issues
Status:
AnsweredMore info
Complaint statuses
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.
National credit systems has been on my credit report since the beginning of 2019. They have been harassing me by sending that collection letters claiming that they are lawyers and that they are trying to receive a large substantial amount of money from me exceeding more than $3,000. They've sent me a report in the mail under a false ID with my information on it stating that I signed a lease agreement with an apartment complex which was illegally done and not done by me. They have refused to remove this negative item from my credit report and they have not been helpful in any form of the way. They are still trying to coerce money from me and have spoken to an attorney this morning about suing national credit systems for their illegal actions against me. Because of their illegal scam that they are pulling with my information that is not even my identification / driver's license then this needs to be resolved immediately.
Business Response
Date: 08/16/2022
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.
Customer Answer
Date: 08/16/2022

Complaint: 17719400

I am rejecting this response because: clearly on the documents it spells ********************* and **** ****. None of people that I know are related to me or affiliated with. This is a complete scam and if it is not removed immediately I will pursue lawsuit against national credit systems for filing false claims against me.
I am expecting this to be removed from my report immediately before I have to take legal actions. In the meantime this company is destroying many lies for false accusations and I am exposing them tonight on ******* by live feed as well as on Facebook.
Sincerely,

***********************
Business Response
Date: 08/17/2022
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 *********************. This debt did not originate with our organization, nor do we have permission from ********************* 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 her were accurate. The outcome of our investigation has been mailed to ***********

In addition, I am enclosing the documentation NCS received from ********************* 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: 08/21/2022

Complaint: 17719400

I am rejecting this response because: Once again this does not show the files that were submitted earlier in this dispute. There is absolutely no proof of my signature on any of the submitted documents. There was another name on the documents that I never heard of. National credit systems purchased a fraudulent debt that the Apartment Complex claims they have no knowledge of me even when I went to the apartment complex in person and requested to see any files pertaining me or my name which they did not have any evidence. It has come to my conclusion that we will have no choice but to sue ********************** for the fraudulent actions they have taken against me and my reputation. There will be legal and criminal charges filed against National credit systems as well. If National credit system does not comply by removing this fraudulent account from my credit report then I shall proceed to move forward with suit.

Sincerely,

***********************
Initial Complaint
Date:08/14/2022
Type:Order Issues
Status:
AnsweredMore info
Complaint statuses
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 EAGLES LANDING APTS and do not have a contract with NATIONAL CREDIT SYSTEMS . They do not provide me with the Original application like I asked.
Business Response
Date: 08/15/2022
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 Eagles Landing Apartments. This debt did not originate with our organization, nor do we have permission from Eagles Landing 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 ************************.

In addition, I am enclosing the documentation NCS received from ************************ 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:08/12/2022
Type:Billing Issues
Status:
AnsweredMore info
Complaint statuses
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.
National credit systems is committing abusive, deceptive and unfair debt collection practices by furnishing debts to my consumer report as a means of coercing me to pay an extension of credit, which is a direct violation of 18 U.S. Code 894 - Collection of extensions of credit by extortionate means: (a)Whoever knowingly participates in any way, or conspires to do so, in the use of any extortionate means (1)to collect or attempt to collect any extension of credit, or (2)to punish any person for the nonrepayment thereof,shall be fined under this title or imprisoned not more than 20 years, or both.Under the ***** I never gave National Credit Systems (a non-affiliated 3rd party) consent to have my non-public personal information.I demand this be removed from my consumer report and they make a check payable to me for $1000 for damages or I do plan to *** in court
Business Response
Date: 08/15/2022
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:08/11/2022
Type:Billing Issues
Status:
AnsweredMore info
Complaint statuses
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.
On May 6, 2022, National Credit Systems received my certified letter requesting validation of an account they are attempting to collect on account ***********. I disputed this debt after discovering them on my credit report. I do not have any obligation to the debt collector. I never received any written notification of the debt. I had no prior knowledge of them. Nor have I purchased anything from them. As of today, they have not replied to my request for verification of the aforementioned account.Under Texas Consumer Law, where a consumer has disputed the accuracy of an account in writing to a third-party debt-collector, the debt-collector is mandated to send a letter in writing to the consumer within 30 days either: (1) Denying the inaccuracy of the account; (2) Admitting the inaccuracy; or (3)Stating that the third-party collector has not had adequate time to investigate the inaccuracy. (See ***** Finance Code 392.202(a)- (e)). There is no evidence the debt collector complied within the specified time frame. May the debt collector be reminded that any information and documentation presented at this point is too little too late. They have already violated my consumer rights. I am making every effort to resolve this matter without presenting a case before a courtroom jury in my community. I am respectfully requesting the collector remove the invalidated account from my credit report.
Business Response
Date: 08/12/2022
NCS has investigated this consumers complaint. During this process,This account has been closed, and we have put in a request for removal from the credit bureaus.
Initial Complaint
Date:08/11/2022
Type:Billing Issues
Status:
AnsweredMore info
Complaint statuses
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 with this debt from StoneGate Apartments and do not have a contract with National Credit System **** they did not provide me with the original application like I asked.
Business Response
Date: 08/11/2022
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.
Customer Answer
Date: 08/11/2022

Complaint: 17702241

I am rejecting this response because: according to 15 USC **** 602 A States I have the right to privacy.
15 USC **** 604 A Section 2 also states a consumer reporting agency can not furnish a account without written instructions.
Delete this account immediately unless you want to be held $1,000 per violation.

Sincerely,

*******************************
Business Response
Date: 08/12/2022
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.
Customer Answer
Date: 08/12/2022

Complaint: 17702241

I am rejecting this response , because
15 U.S.C **** section 602 A. States I have the right to privacy.
15 U.S. C **** Section 604 A Section 2: It also states a consumer reporting agency cannot furnish a account without my written instructions

Delete this account immediately, unless you want to be held $1,000 per violation
"I have not supplied
proof under the doctrine of
estoppel by silence, ********** ****************** (Mo) 281
SW 715, 719, I may presume that no proof of the
alleged debt, nor therefore any such debt, in fact
exists.

Sincerely,

*******************************
Initial Complaint
Date:08/10/2022
Type:Service or Repair Issues
Status:
ResolvedMore info
Complaint statuses
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 emailed National Credit Systems several times at ******************************* providing them proof a copy of the dismissal/ closed case from the courts in enough time prior to the 30 days of them reporting to the credit bureaus but yet they still reported my account to the credit bureaus. *** also contacted the courts where the case was dismissed/closed and was advised that it is illegal for the debt collector National Credit System to report to the credit bureaus if the case was close. If the case was dismissed and closed in the courts. Why are National Credit Systems illegally reporting to all 3 credit bureaus? Even by me showing them proof and a copy of the dismissal letter they still took it upon themselves to report to the credit bureaus and are updating the credit bureaus every week/ every 2 weeks and every month inaccurate information.
Business Response
Date: 08/10/2022
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. We are currently in an active investigation. Once this has been completed we will forward to you the response from our client. Thank you
Customer Answer
Date: 08/10/2022

Complaint: 17698114

I am rejecting this response because: I have reached out to National Credit Systems with my Dismissal Letter from the courts on several occasions and prior to the 30 days of them reporting to the credit bureaus. This should have never been reported to all 3 credit bureaus if I have sent them a copy of the dismissal letter from the courts within the time frame. Yet they continuously update all 3 bureaus every 2 weeks/ every month with in accurate information.

Sincerely,

*****************************
Business Response
Date: 08/10/2022
The purpose of this posting is specifically, and only, related to the review you left on our company. Unfortunately, federal law limits our ability to respond to your claim or communicate with you on this forum. NCS goes to great lengths to operate in a lawful, ethical, and professional manor. If you believe that this has not occurred, we encourage you to contact us at ********************************
Customer Answer
Date: 08/10/2022

Complaint: 17698114

I am rejecting this response because: PLEASE STOP SENDING ME THIS SAME RESPONSE. IM GOING TO CONTINUOUSLY FIGHT THIS UNTIL YOU GUYS REMOVE THIS FROM ALL 3 CREDIT BUREAUS. I HAVE EMAILED MY DISMISSAL LETTER FROM THE COURTS TO THIS SAME NON WORKING EMAIL **** TIMES WITH NO RESPONSE. STOP REPORTING ILLEGAL INACCURATE INFORMATION WHEN THE **** HAS BEEN DISMISSED AND CLOSED..

Sincerely,

*****************************
Business Response
Date: 09/06/2022
This case has been turned over to an attorney therefore we cannot respond on this platform any further. Thank you
Customer Answer
Date: 09/06/2022

Complaint: 17698114

I am rejecting this response because:
I do not have a hired attorney. So what attorney are you talking about? In order for me to get an attorney I would have to pay/ hire a attorney to handle my case.

Sincerely,

*****************************
Business Response
Date: 09/08/2022
This case has been turned over to an atty therefore we cannot respond to the BBB platform. If you believe that this has not occurred, we encourage you to contact us at ******************************** or by phone at ************. Thank you
Customer Answer
Date: 09/08/2022

Complaint: 17698114

I am rejecting this response because: ONCE AGAIN I HAVE CALLED AND EMAILED YOU GUYS ON SEVERAL OCCASIONS YOU GUYS NEVER RESPOND TO NONE OF MY EMAILS OR PHONE CALLS. I EVEN TOLD ************ DO NOT HAVE A LAWYER AND I ALSO TOLD HER IVE EMAILED AND CALLED YOU GUYS NUMEROUS OF TIMES WITH NO RESPONSE. STOP SENDING ME THE SAME GENERATED FKN MESSAGES

Sincerely,

*****************************
Customer Answer
Date: 09/14/2022
Better Business Bureau:
I have reviewed the response made by the business in reference to complaint ID .********, , and find that Mediation is necessary.
Regards,
*****************************
Customer Answer
Date: 09/21/2022

Complaint: 17698114

I am rejecting this response because: Hello Ive contacted ***************************** several times ******************** at NCS provided from ****** and have left several messages. Ive also emailed and called several times in the past with no response or feedback. Prior to you reporting this case to all three credit bureaus Ive reached out and I have also sent numerous of emails with the dates as proof within the 30 days of you guys reporting to the credit bureaus which is completely wrong. According to your recent response it states that you guys are ceasing all collections activity at this time, Does that mean you guys are closing out the case and removing it from all three credit bureaus please provide clarification.

Sincerely,

*****************************
Business Response
Date: 09/22/2022
NCS is closing the account, and ceasing all collections activity at this time.
Business Response
Date: 09/23/2022
This means, that NCS has closed the file and sent it back to the client, we are no longer pursuing collections on this account, and any derogatory marks that were on the cbr has been requested to be removed.
Customer Answer
Date: 09/23/2022

Complaint: 17698114

I am rejecting this response because: Do you have a approximate estimate or a date when the account will be removed from all three credit bureaus??

Sincerely,

*****************************
Business Response
Date: 09/23/2022
From: ********************************* <*********************************>
Sent: Tuesday, September 20, 2022 1:38 PM
To: *********************** <*************************************************>
Subject: Complaint#********

EXTERNAL EMAIL! Use caution when clicking on links or opening attachments and never provide your User ID or Password.

Good afternoon *****,

Please see complaint #, and please notate NCS is closing the account, and ceasing all collections activity at this time. The last correspondence will not allow me to respond to the complaint. Please email me to advise you have received this request.

Thank you,

***************************** | Collections Manager
Initial Complaint
Date:08/08/2022
Type:Billing Issues
Status:
AnsweredMore info
Complaint statuses
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.
Please remove these inaccurate accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under *** ****g, delete this within 15 days.NATLCRSYS Account #******* Bal: $103.00
Business Response
Date: 08/09/2022
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:08/05/2022
Type:Customer Service Issues
Status:
AnsweredMore info
Complaint statuses
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 FOR THIS DEBT AND I DO NOT HAVE THE CONTRACT WITH NATIONAL CREDIT SYSTEM PLUS THEY DO NOT PROVIDE THE ORIGINAL APPLICATION LIKED I ASKED
Business Response
Date: 08/08/2022
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. If you care to make a complaint or have your issue reviewed by our management, we suggest you do so through our website or by emailing ******************************** Additionally, please provide your account number, specifics about your concern, and the date and time of the occurrence.

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