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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.
    • 691 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:06/18/2025

      Type:Service or Repair Issues
      Status:
      Unresolved
      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 name is ********* *******. I lived at ******** on 21st apartments in ********** and moved out in March of 2021 I believe. There was a cleaning charge for $258 however, I paid a cleaning company to clean the apartment but the new current issue is, after over 4 years of me moving out National Credit Systems has changed the amount to $758. I contacted them and very rude about it on the phone and told me this was not illegal to do this. I contacted the apartments I used to live at ******** on ***************, ***** and they said they have not reported anything because they do not even have me in their system anymore. The lady **** at the apartments said they did not change any amount or report the amounts. I feel like this is fraud or something to ruin someones credit when I work so hard to keep good credit. I would like this matter resolved on my credit as soon as possible.

      Customer Answer

      Date: 06/18/2025

      I am sending the complaint for myself due to the company national credit systems charging onto my credit an amount that I do not know or owe and they wont send why I owe it or the charges and they charged it themselves 4 years later after I moved from the apartments. 

      Business Response

      Date: 06/27/2025

      Mr/Ms ******* has disputed her debt and NCS, as required by law, has submitted her dispute to the ****. We are  currently investigating this claim, once we receive a response we will forward the outcome to of Mr/Ms ******* via email. 

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

      Customer Answer

      Date: 06/30/2025

       
      Complaint: 23488786

      I am rejecting this response because: I would like to have proof sent to my email ****************************** or by mail showing where the charges came from because the original company stated to me they did not charge me anything because I am not even in their system or have it removed because I do not owe it. 

      Sincerely,

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

    • Initial Complaint

      Date:06/17/2025

      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 THE RESERVE AT STONECREEK APTS. I do not have a contract with National Credit System. They did not provide me with the original contract as i requested.

      Customer Answer

      Date: 06/18/2025

      I am the consumer, ******* *******-*****. I authorize this complaint, it was not made by a 3rd party on my behalf. 

      Business Response

      Date: 06/19/2025

      Your contract was with your previous landlord who placed your account in our office for collections. 

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


      Customer Answer

      Date: 06/19/2025

       
      Complaint: 23482541

      I am rejecting this response because:

      15usc 1692 also known as The Fair Debt Collection Practices act. This debt was not validated. Debt collectors must include a debt validation notice in the initial communication with a consumer. This notice informs the consumer that they can dispute the debt and that the debt collector will stop collection efforts if they do. This collection also violates my consumer rights under 15 usc 1681 which is the fair credit reporting act. I do not acknowledge this collection and it needs to be removed from my report immediately. 


      Sincerely,

      ******* *******-*****

      Business Response

      Date: 06/20/2025

      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:06/17/2025

      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 **********************, I do not have a contract with ***** **** apartments. They did not provide me with the original contract as requested.

      Customer Answer

      Date: 06/18/2025

      I filled the complaint on my own behalf. I am not using a third party to file the complaint. 

      Business Response

      Date: 06/19/2025

      Your contract was with your previous landlord who placed your account in our office for collections. 

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


      Customer Answer

      Date: 06/19/2025

       
      Complaint: 23481962

      I am rejecting this response because: I did not sign a contract with National Credit Systems to pay for debt. They have not provided me with the original contract as requested. 

      Sincerely,

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

      Business Response

      Date: 06/20/2025

      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: 06/20/2025

       
      Complaint: 23481962

      I am rejecting this response because: You have not provided me with the original contract as requested. You have not verified your information to be accurate. Please remove from credit report. 

      Sincerely,

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

    • Initial Complaint

      Date:06/17/2025

      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 ARTISAN AT ************ APTS. I do not have a contract with this collection National Credit Systems; they did not provide me with the original contract as I requested, nor did they respond to my validation of debt letters.

      Customer Answer

      Date: 06/17/2025

      I have never submitted this documentation before. This complaint was filed with the **** on 2/10/25 and closed on 4/15/25 with the **** with my final response and request for validation of this debt and I still havent received any documentation from this 3rd party collecting agency with anything that I have asked them for which is a validation of my rights according to ***** - 15 USC 1692 & 15 USC 1692g(b).  I am requesting that this unvalidated account be removed from my credit report asap please.

      Business Response

      Date: 06/19/2025

      Your contract was with your previous landlord who placed your account in our office for collections. 

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


      Customer Answer

      Date: 06/19/2025

       
      Complaint: 23479011

      I am rejecting this response because: This 3rd party debt collector is not following the ***** when it comes to validating they have any authority to collect anything from me on behalf of anyone let alone the right or authority to be smearing my public credit report for all to see. This 3rd party debt collector doesnt have any documentation from the original creditor nor are they the holder of due course of any contract signed between us. This is fraud and needs to be handled with serious care. We cant have these so called debt collectors just ignoring the laws that they must follow to operate in the public with consumers information. Theres too many scams out there to expect someone to just pay you without any proof that they owe you anything. You must remove that negative account from my ********************** file until you can provide proof that I owe you anything. These are serious violations that you are committing, starting at $1000.00 and the company has made several. Remove this debt!

      Sincerely,

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

      Business Response

      Date: 06/25/2025

      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:06/13/2025

      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 National Credit System. I do not have a contract with the Business Headquarters Location, they did not provide me with the original contract as I requested.

      Customer Answer

      Date: 06/13/2025

      This is not a third party complaint. 

      Business Response

      Date: 06/19/2025

      Your contract was with your previous landlord who placed your account in our office for collections. 

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


      Customer Answer

      Date: 06/22/2025

       
      Complaint: 23460578

      I am rejecting this response because I am not liable for this debt.

      Business Response

      Date: 06/25/2025

      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:06/13/2025

      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 WINDING CREEK AT THE PRESERVE, I do not have a contract with NATIONAL CREDIT SYSTEMS, they did not provide me with the original contract requested.

      Customer Answer

      Date: 06/13/2025

      Dear BBB,
      I am writing to clarify that I did not authorize any third party to submit a complaint on my behalf. I personally submitted the complaint regarding National Credit Systems, Inc. because I discovered they were reporting an account under my name that I have no knowledge of. I have never had any direct contact or business relationship with this company and do not recognize the account they claim is associated with me. This complaint reflects my own concerns and was filed based on my experience upon discovering this information.
      Thank you for your attention to this matter.
      Sincerely,
      ***** ********

      Business Response

      Date: 06/19/2025

      Your contract was with your previous landlord who placed your account in our office for collections. 

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


    • Initial Complaint

      Date:06/13/2025

      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 writing to dispute the following information in my credit report. I have circled the items I dispute on the attached copy of the report I received.The items I am disputing are from National Credit Systems, which I believe to be inaccurate. I did not authorize my debts to be sold to this company, and the information being reported is not accurate.

      Customer Answer

      Date: 06/13/2025

      I dont not own this debt and the debt collector refuses to remove 

      Business Response

      Date: 06/27/2025

      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 ************************* Village Lombard Apartments. This debt did not originate with our organization, nor do we have permission from International Village Lombard Apartments to release Mr/Ms ********* from liability for this debt.

    • Initial Complaint

      Date:06/12/2025

      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 National Credit Systems. I do not have a contract with this National Credit Systems. They did not provide me with the original contract as I requested.

      Customer Answer

      Date: 06/13/2025

      This complaint was authorized by me (***** ******) and was not made by a third party whats so ever.

      Business Response

      Date: 06/16/2025

      The purpose of this posting is specifically, and only, related to the review you left on our company.  Please provide us with the phone number called along with the date and time of the call. We should then be able to review the call(s) for quality and professionalism. You can send it to ************************************ Thank you in advanced for providing this information so we can improve our service.

    • Initial Complaint

      Date:06/10/2025

      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 National Credit Systems. I do not have a contract with National Credit Systems, they did not provide me with the original contract as I requested.

      Customer Answer

      Date: 06/13/2025

      I am not liable for this debt with National Credit System, I do not have a contract with National credit system, they did not provide me with the original contract as i requested. No knowledge of this.

      Business Response

      Date: 06/19/2025

      Your contract was with your previous landlord who placed your account in our office for collections. 

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


      Customer Answer

      Date: 06/19/2025

      Complaint: 23451485

      I am rejecting this response because I am concerned about how youre reporting this debt on my credit file. To date, I havent received proper validation of the debt, which I understand is my right under the Fair Debt Collection Practices Act.

      I respectfully request that you provide documented proof that a validation notice was sent to me. If you are unable to do so, I ask that this account be removed from my credit report to ensure accuracy and compliance.

      Thank you for your attention to this matter.
      Sincerely,
      ****** ***** *********

      Business Response

      Date: 06/20/2025

      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: 06/20/2025

       
      Complaint: 23451485

      I respectfully reject this response as it does not adequately address my concerns. However, I remain open to further communication only through BBB. Please note that I will not consider closing this BBB case unless the matter is resolved fairly and confirmed in writing.

      To date, National Credit Systems has not provided the original contract I previously requested. Should you be unable to furnish this documentation, I am formally requesting that my credit report be corrected and that this account be removed from all credit reporting agencies.

      Sincerely,

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

    • Initial Complaint

      Date:06/10/2025

      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 National Credit Systems. I do not have a contract with National Credit Systems, they did not provide me with the original contract as requested.

      Customer Answer

      Date: 06/11/2025

      This complaint was not initiated by a third party

      Business Response

      Date: 06/16/2025

      Your contract was with your previous landlord who placed your account in our office for collections. 

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

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

    To become accredited, a business must agree to BBB Standards for Trust and pass BBB's vetting process.

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