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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.
    • 688 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:06/09/2025

      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'm not responsible, nor liable for said debt with National Credit System. I have never heard of this company, nor have I ever conducted any business with them. I have already requested proof of a contract with them. They have never sent any compliance, nor an originally signed contract as I requested.

      Customer Answer

      Date: 06/09/2025

      I have filled this out for myself.  I happen to be knowledgeable when it comes to my rights, the laws pertaining to the ***** and how credit reporting works.

      Business Response

      Date: 06/27/2025

      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: 06/27/2025

       
      Complaint: 23445606

      I am rejecting this response because: This is not a valid reason to report on my credit report.  The business you have with them has absolutely nothing to do with Me. Your company has a contract with the landlord, which is not my business. I don't owe you anything, as no signed contract with my name has been provided. Therefore you are violating fcra rules. I've asked for proof that we have signed an agreement and none was provided. Remove the inaccurate information immediately from my credit reports. I am preparing to sue and seek monetary relief for each violation on all of my credit reports. 

      Sincerely,

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

      Business Response

      Date: 07/01/2025

      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 Lake in the ****************. This debt did not originate with our organization, nor do we have permission from Lake in the hills Apartments to release Mr/Ms ******** from liability for this debt.

      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. 

    • Initial Complaint

      Date:06/07/2025

      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 **********, they did not provide me with the original contract as I requested.

      Customer Answer

      Date: 06/09/2025

      Thank you for the reach out. I filed the same complaint with ********. Please let me know if you need additional details

      Business Response

      Date: 06/13/2025

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

      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: 06/18/2025

       
      Complaint: 23439649

      I am rejecting this response because the case is still in review but theres a derogatory placed on my credit score. This is not fair to me. If the case still in review NCS should have waited till the resolution than doing this. This is unfair to me and I deserve to have a say here

      Sincerely,

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

      Business Response

      Date: 07/02/2025

      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:06/07/2025

      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 National Credit System, they did not provide me with the original contract as I requested.

      Customer Answer

      Date: 06/09/2025

      I did not use a 3rd party to file a complaint for me, I personally reviewed my credit report and found this information inaccurate. I do not have a contract with National Credit Systems and never have.

      Business Response

      Date: 06/13/2025

      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: 06/13/2025

       
      Complaint: 23439087

      I am rejecting this response because: I do not recognize this company National Credit Systems. I do not have a contract with them.

      Sincerely,

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

      Business Response

      Date: 07/02/2025

      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:06/06/2025

      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.
      I learned of this company reaching out to collect a debt because ****** ***** with National Credit Services reached out to my sister to discuss the debt to which I did not authorize. Nor did I ******* her contact information to anyone to speak on my behalf. Things a violation of my privacy. Not sore how ****** got her information. In addition this collection is completely bogus for an apartment I was let out of because it miserable to live in and disturbed my mental health and it was disgusting. Several complaints were made and I still dont understand why Im being harassed for money I shouldnt owe. This company the selected to collect is unprofessional and just keeps sending things in the mail. No phone calls after I asked for an explanation of why my sister was called to discuss this before I was even aware.

      Customer Answer

      Date: 06/07/2025

      I dont understand what is needed. I sent in this complaint. It is not done by a third party. 

      Business Response

      Date: 06/13/2025

      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: 06/13/2025

       
      Complaint: 23437119

      I am rejecting this response because:  they have not acted in a professional manner as they state they have. They contacted my family member for which I did not provide information for so they somehow found her and reached out without my consent or even me knowing I had this account with this company. 

      Sincerely,

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

      Business Response

      Date: 07/02/2025

      NCS has investigated this consumers complaint.  During this process, we review our system notes along with call recordings that may have been associated with this issue.  Additionally, if necessary, we will discuss the matter with any employee who may 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:06/06/2025

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

      Customer Answer

      Date: 06/06/2025

      It was I who filed this complaint regarding national credit systems 

      Business Response

      Date: 06/13/2025

      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:06/06/2025

      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 NATIONAL CREDIT SYSTEMS, they did not provide me with the original contract as I requested.

      Customer Answer

      Date: 06/06/2025

      I have personally filed this complaint after reviewing my credit report and finding this inaccurate information. I have not used a 3rd party

      Business Response

      Date: 06/13/2025

      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: 06/13/2025

       
      Complaint: 23435907

      I am rejecting this response because:

      I do not recognize this business National Credit Solutions and have never signed or had a contract with this business. I do not know who they are.

      Sincerely,

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

      Business Response

      Date: 06/15/2025

      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: 06/16/2025

       
      Complaint: 23435907

      I am rejecting this response because: I do not know who National Credit Systems are and cannot provide an account I.D. I do not possess this information,  I only saw this on my credit report and need it removed.

      Sincerely,

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

    • Initial Complaint

      Date:06/06/2025

      Type:Service or Repair 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.
      Im not liable for this debt with National Credit Systems 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: 06/06/2025

      I have no debt with that company

      Business Response

      Date: 06/13/2025

      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: 06/13/2025

       
      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:06/05/2025

      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.
      I attached a letter with documentation of requested outcome.

      Customer Answer

      Date: 06/05/2025

      Please forward today submission to company. I wrote the letter and attached the identifying documents. 

      Business Response

      Date: 07/10/2025

      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:06/02/2025

      Type:Product 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.
      Contacted National Credit Systems in regards to paying a debt that I am not even responsible for. ****, ID # *** refused to give me the information I needed to resolve my debt and refused to allow me to ask any questions.

      Customer Answer

      Date: 06/02/2025

      This complaint Was filed by myself, ****** ******. I am the consumer and had contact with National Credit Systems employee ****, ID #***, whom refused to give me the required information to access my account. 

      Business Response

      Date: 06/04/2025

      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: 06/04/2025

       
      Complaint: 23408646

      I am rejecting this response because:

      I am not disputing the reason for the collection account, although I do not agree with it being placed by my previous landlord. I am submitting a formal complaint against NCS as your employee refused to give me the information that was needed to access my online account, to settle my debt via online. Once she finally decided to give me my account number, I still do not have the ****************** default password to access my online account, because again, your employee refused to answer any questions and denied me the necessary information to access my account.


      Sincerely,

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

    • Initial Complaint

      Date:06/02/2025

      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 hereby dispute the validity of the alleged debt associated with **********************. I have no contractual obligation or agreement with National Credit Systems. Furthermore, despite my request, they have failed to provide a copy of the original contract verifying this alleged debt.

      Customer Answer

      Date: 06/02/2025

      I hereby dispute the validity of the alleged debt associated with **********************. I have no contractual obligation or agreement with National Credit Systems. Furthermore, despite my request, they have failed to provide a copy of the original contract verifying this alleged debt.

      Business Response

      Date: 07/04/2025

      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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