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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

    • 2,986 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.

    Sort by

    Complaint status

    Complaint type

    • Initial Complaint

      Date:08/01/2022

      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 writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the ************************ and I also have enclosed copies of the ************************'s identity Theft Affidavit. Please delete the items as soon as possible.

      Business Response

      Date: 08/03/2022

      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:08/01/2022

      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.
      I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https://www.ftc.gov to file a report and Per FCRA section 605b Credit ****************** are required to remove/block any accounts listed on an id theft report.

      Business Response

      Date: 08/03/2022

      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. However, after reviewing your claim, our system notes, and listening to the call recording associated with your review, it seems you have left out some important facts and circumstances. While it is our obligation to represent the interests of our creditor clients,NCS goes to great lengths to operate in an ethical and professional manor, and it appears we done just that in this instance.

    • Initial Complaint

      Date:08/01/2022

      Type:Service or Repair 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.
      My wife and I received a Dispossessory Warrant from MAA for the apartment that we occupied. That warrant stated that we owed $1,768.52. Upon being sold to National Credit Systems the amount miraculously went up to $6,361. I would like to know a reason why? If this is not correct then I want it erased from my credit report as being false. If it is not resolved I will contact the **** and whoever else I need to for this to be corrected.

      Business Response

      Date: 08/01/2022

      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: 08/01/2022

       
      Complaint: 17651460

      My social security number is 226-29-0599. I have included what information that I have. The amounts are completely different. Please review and remove.

      Sincerely,

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

      Business Response

      Date: 08/03/2022

      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:08/01/2022

      Type:Customer Service 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.
      I am not liable for this debt with sprint and do not have a contract with convergent. They do not provide me with the orginial application like I asked.

      Business Response

      Date: 08/01/2022

      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: 08/02/2022

       
      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,

      Glapougbae Garmondeh

    • Initial Complaint

      Date:07/28/2022

      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 have filed to dispute a collection reported by NCS on my credit report. The amount charged is considerably more ( about 5 X ) what it should be. I would like this removed from my credit reports immediately.

      Business Response

      Date: 07/29/2022

      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: 07/29/2022

       
      Complaint: 17638207

      I am rejecting this response because:

       

      I have already called and nobody has called me back.  I already know for a fact that Im being Overcharged.  Ive already sent in the information to yall before.

      Sincerely,

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

      Business Response

      Date: 07/29/2022

      The purpose of this posting is specifically, and only, related to the review you left on our company. You can send any complaint regarding our service to ******************************** Please provide specifics, such as account ID along with the ************* of the contact in question,so we may access your account and calls in question to review. Thank you in advanced for providing this information so we can improve our service

    • Initial Complaint

      Date:07/27/2022

      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.
      Back in February of 2021 I was forced to leave my apartment and move back to ******* and in the process there was a miscommunication between myself and the apartment complex about the monies owed upon exiting. The case was then referred to National Credit Systems and I was contacted about the debt placed on my credit. After months of communication between myself and National Credit Systems as well as with the property manager of the apartment complex I previously lived in the matter seemed to be resolved. My old apartment complex explained it was a paperwork error on their end and they were sending the necessary documents to National Credit System to clear the account. NCS acknowledged they received the paperwork, and that my account would be cleared with the credit bureaus at months end. It has been 4 months since this happened and it still has not dropped off of my credit report and despite asking numerous times for my any documentation on my account they still have not provided any of this to me. I have spoken to numerous people at NCS and still cannot seem to get this resolved in the slightest and I keep getting referred to a different person each time whose communication is worse with me than the previous person.

      Business Response

      Date: 07/28/2022

      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:07/26/2022

      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 FOR THIS DEBT AND I DO NOT HAVE THE CONTRACT WITH NATLCRYS PLUS THEY DO NOT PROVIDE ME THE ORIGINAL APPLICATION LIKED I ASKED

      Business Response

      Date: 07/27/2022

      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:07/25/2022

      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.
      This account is being furnished on my consumer report without my written signature of approval. National credit is also under more violations please see attached documents.

      Business Response

      Date: 07/26/2022

      NCS
      has investigated this consumer’s complaint. During this process,
      we review our system notes 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:07/23/2022

      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 am not liable for this debt with SIENNA RIDGE APTS and do not have a contract with NATIONAL CREDIT SYSTEMS. They did not provide me with the original application like I asked. In accordance with the Fair Credit Reporting Act 15 ***************** Debt Collection Practices Act 15 **********, NATLCRSYS - Account Number: *******has violated my ********* ********** 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 15 U.S.C **** Section ********************************************************************************************************************************************************* place known or which should be known to be inconvenient to the Consumer 15 U.S. Code ****(4)There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.I have sent numerous letters via Mail and have not had a response back yet.

      Business Response

      Date: 07/25/2022

      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.

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

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