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Business Profile

Collections Agencies

National Credit Systems, Inc.

Headquarters

This business is NOT BBB Accredited.

Find BBB Accredited Businesses in Collections Agencies.

Complaints

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

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

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    Customer Complaints Summary

    • 2,985 total complaints in the last 3 years.
    • 677 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:06/01/2025

      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.
      Im 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. Please Help.

      Customer Answer

      Date: 06/02/2025

      I am not responsible for the debt associated with National Credit Systems, as I do not have a contract with them. I have requested the original contract, which has not been provided. I kindly ask for your assistance in resolving this credit dispute.  

      I am requesting a correction to my credit report and ask that this account be removed promptly. Thank you for your attention to this matter.

      Business Response

      Date: 06/04/2025

      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:05/31/2025

      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.
      recently reviewed my credit report and noticed an inaccurate and invalid account reported by Willows Apartment and National Credit Systems. This account is not valid, and its presence on my report is a violation of the Fair Credit Reporting Act (FCRA).Under the ****, all reported accounts must be accurate, verifiable, and legally collectible. This account does not meet these standards, and I am requesting its immediate removal. I have not received proper validation of this debt, and without sufficient proof, it should not be reported.I am formally disputing this entry and requesting that it be deleted from my credit report. If the furnisher cannot verify the accuracy and legitimacy of the account, it must be removed in compliance with federal law.

      Customer Answer

      Date: 06/01/2025

      I filed this complaint. 
      this company was continuing to collect and charge rent in my name from a goverment agency when I no longer lived there. The company Willows apartments no longer exist because of this scam. They charged over $8000 to my account for 1.5 years after my lease was completed. This is a fraudulent credit error that I need removed

      Business Response

      Date: 06/04/2025

      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.

      Customer Answer

      Date: 06/04/2025

       
      Complaint: 23401134

      I am rejecting this response because:
      Ive never spoken or do not wish to speak with the credit company. I am providing proof that I did not live in that home during the times I was being charged fraudulently. From 2021 to current I have lived in another state. The credit is for dates from 2021-2023. 
      Sincerely,

      **** Breana ******

      Business Response

      Date: 06/06/2025

      The purpose of this posting is specifically, and only, related to the review you left on our company.  Please provide us with details on your situation, including as many of the following items as possible: 1. Date and time of the call(s) in question 2. Your account ID 3. Your phone number we called or from which you called our office. NCS regularly reviews and monitors calls. Our calls are recorded, so we should be able to determine if your claim is accurate as described, whether our agent acted appropriately, and if additional actions are needed.  You can forward this information to ************************************ Thank you in advanced for providing this information so we can improve our service.

      Customer Answer

      Date: 06/06/2025

       
      Complaint: 23401134

      I am rejecting this response because:
      The account is fraudulent and I will sue national credit systems and willows apartment. My lawyers will be reaching out soon
      Sincerely,

      **** Breana ******

    • Initial Complaint

      Date:05/30/2025

      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.
      Im not reliable for this debt with MASTER S RANCH 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: 05/31/2025

      I have no acknowledge of owing or anything about having a contract with this company

      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.


    • Initial Complaint

      Date:05/29/2025

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

      Customer Answer

      Date: 05/30/2025

      No I am disputing my own items on my credit report. I did not use a 3rd party.

      Business Response

      Date: 06/02/2025

      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: 06/03/2025

       
      Complaint: 23395680

      I am rejecting this response because:
      I have proof of receipt from the ******* payment portal that my balance was paid in full. Please see attached. Please remove this duplicate charge from my credit report. 

      Sincerely,

      ****** *****

      Business Response

      Date: 06/06/2025

      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 The *************************. This debt did not originate with our organization, nor do we have permission from The ******* 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: 06/12/2025

       
      Complaint: 23395680

      I am rejecting this response because:
      I am disputing the accuracy and completeness of a collection account reported by this collection agency. I requested debt validation from the collector, and they have failed to provide any documentation to verify this debt. Under the Fair Credit Reporting Act, 15 U.S.C. 1681i, this information must be verified or deleted. I am requesting immediate deletion.


      Sincerely,

      ****** *****

    • Initial Complaint

      Date:05/29/2025

      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 with 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.

      Customer Answer

      Date: 05/29/2025

      I ****** ******* is filing the complaint 

      Business Response

      Date: 06/02/2025

      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: 06/02/2025

       
      Complaint: 23392861

      I am rejecting this response because: I moved right when lease was up and I dont u sweat and why is this in my credit

      Sincerely,

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

      Business Response

      Date: 06/04/2025

      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: 06/04/2025

       
      Complaint: 23392861

      I am rejecting this response because:

      Sincerely,

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

    • Initial Complaint

      Date:05/28/2025

      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 10K HILL SOUTH APTS/ RELATED /1206. I do not have a contract with National Credit Systems, Inc. They did NOT provide me with the original contract as requested.

      Customer Answer

      Date: 05/29/2025

      I personally submitted this complaint. I used the specific wording to ensure that your software understands the urgency of my complaint. This company has caused significant damage to my credit

      Business Response

      Date: 06/02/2025

      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:05/28/2025

      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.
      This account does not belong to me! This account is reporting on my credit report. My name is "******** ******" and on my credit report it is reported as "******** *******" for the account you are reporting for. This account also reports as "Joint" and mentions a "******* *******". I have not opened any accounts with anyone. I am not associated with a "******** *******" and "******* *******". Remove this False account from my ********************** report which includes all three major credit bureaus (Equifax, Experian, and TransUnion). I am highly disappointed with this major error on my credit report!

      Customer Answer

      Date: 05/28/2025

      No one submitted this claim on my behalf. I sent this claim because it is the same issue with a different creditor. 

      Business Response

      Date: 06/02/2025

      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.

      Customer Answer

      Date: 06/02/2025

       
      Complaint: 23388634

      I am rejecting this response because:

      The business did not respond to the complaint I submitted with the BBB. Instead they sent a generic response that stated 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. This account is reflecting on my credit report for a ******** ******* and this account is also stating its link to a ******* ******* My name is ******** ****** this is not my account. The business has not verified this account however, they are reporting to the credit bureaus under a name that is not me and an account that doesnt belong to me. 



      Sincerely,

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

      Business Response

      Date: 06/04/2025

      The purpose of this posting is specifically, and only, related to the review you left on our company.  Please provide us with details on your situation, including as many of the following items as possible: 1. Date and time of the call(s) in question 2. Your account ID 3. Your phone number we called or from which you called our office. NCS regularly reviews and monitors calls. Our calls are recorded, so we should be able to determine if your claim is accurate as described, whether our agent acted appropriately, and if additional actions are needed.  You can forward this information to ************************************ Thank you in advanced for providing this information so we can improve our service.

      Customer Answer

      Date: 06/04/2025

       
      Complaint: 23388634

      I am rejecting this response because: this is second time the business has NOT acknowledged my complaint. They are using stalling tactics by generating the same automatic response to the BBB complaint. As previously stated this account does not belong to me. My name is ******** ****** and I have never opened an account with anyone else. And the business has not acknowledged that they are falsely reporting to all three credit bureaus. 

      Sincerely,

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

    • Initial Complaint

      Date:05/25/2025

      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.
      Upon checking my credit report, I notice this company National Credit Systems showing up in my report in a negative light when I have never done business with this company or ever know of them. This is fraud and this company should be reported.

      Customer Answer

      Date: 05/26/2025

      This company is reporting false information on my credit report ,  when I have never done business with this company. I don't know where they got my personal information from unless it is with identity theft or fraud. I want this company to remove them selves from my credit report immediately.

      Business Response

      Date: 05/28/2025

      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: 05/28/2025

       
      Complaint: 23375244

      I am rejecting this response because: A collection company is not the original owner of debt. And if this is about a previous landlord,  they do not have anything to do with putting frivolous information on my credit report, because there is no borrowing of funds or for any goods or services. 


      Sincerely,

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

      Business Response

      Date: 05/30/2025

      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 Lakecrest Village 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:05/24/2025

      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 this collection agency they did not provide me the original contract as requested

      Customer Answer

      Date: 05/25/2025

      I filed a complaint on the company that gave me a horrible balance on my credit account!!! Im wrongful charge for something I have not signed on a contract 

      Business Response

      Date: 05/28/2025

      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:05/22/2025

      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 submitted a written dispute to National Credit Systems (NCS) regarding a tradeline that implies I was evicted. NCS has failed to provide an actual court-issued eviction judgment, yet continues to allow this item to appear on my credit report in a way that falsely suggests a legal eviction.A lease and payment history do not constitute legal proof of eviction. As such, this tradeline is misleading and damaging to my credit profile.I respectfully request the item be corrected or deleted, and confirmation that any future reporting is accurate and not misleading.I attempted to resolve this directly with NCS and received no valid legal documentation of an eviction. I am seeking assistance from the BBB in resolving this issue.Thank you

      Customer Answer

      Date: 05/22/2025

      No this is not from a third party I, ****** *****, am sending this request in. For one they went past the given timeline and for two they passed the **** minimum deadline. I am tired of my rights being violated which is why I came to you.

      Business Response

      Date: 05/28/2025

      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.

      Customer Answer

      Date: 05/28/2025

       
      Complaint: 23364373

      I am rejecting this response because: I NEVER called them. All communication was written and NEVER verbal. Therefore, I cannot provide any call logs.


      Sincerely,

      ****** *****

      Business Response

      Date: 05/30/2025

      The purpose of this posting is specifically, and only, related to the review you left on our company.  Please provide us with details on your situation, including as many of the following items as possible: 1. Date and time of the call(s) in question 2. Your account ID 3. Your phone number we called or from which you called our office. NCS regularly reviews and monitors calls. Our calls are recorded, so we should be able to determine if your claim is accurate as described, whether our agent acted appropriately, and if additional actions are needed.  You can forward this information to ************************************ 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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