Business Profile

Collections Agencies

National Credit Systems, Inc.

Headquarters

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Complaints

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

Customer Complaints Summary

2,985 total complaints in the last 3 years.
650 complaints closed in the last 12 months.

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The complaint text that is displayed might not represent all complaints filed with BBB. Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business.

Initial Complaint
Date:05/20/2025
Type:Service or Repair Issues
Status:
AnsweredMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
Theres been a dispute that transpired with this company (National Credit System) on the behalf of a charged off account. I requested a 1099C document that they was unable to provide. Do to them unable to providing the requested document they have to remove this off of my credit and they have refused to do so. Which the third party company National Credit System *** the charges are inaccurate that the consumer is trying to request.
Customer Answer
Date: 05/21/2025
Yes, Im filing the complaint on my behalf
Business Response
Date: 05/23/2025
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: 05/23/2025

Complaint: 23356923

I am rejecting this response because:

Sincerely,

Dartra ******
Ive asked for a document which was a 1099C form that the National Credit System isnt able to provide. Which means they have to close the account since they cant provide me with the requested document.
Business Response
Date: 06/02/2025
Mr/Ms ****** has disputed her debt and NCS, as required by law, has submitted her dispute to the ****. We have conducted an investigation of Mr/Ms ******* dispute and The outcome of our investigation will be mailed to Mr/Ms *************** 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: 23356923

I am rejecting this response because:
Ive never asked to dispute this Ive asked for a 1099C form and still have yet to receive. Which leads to failing to comply in others words all debt should be dismissed/removed.

Sincerely,

Dartra ******
Initial Complaint
Date:05/20/2025
Type:Billing Issues
Status:
AnsweredMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
This debt collector engaged in abusive, deceptive, and unfair practices of the ***** which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it.I declare under penalty of perjury (under the laws of the United States, if executed outside of *****************) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company - without my authorization- used my personal identifying information to apply for goods, services, or money; and, was successful in creating some accounts.
Customer Answer
Date: 05/20/2025
I submitted this complaint on behalf of myself. Thank you
Business Response
Date: 05/22/2025
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: 05/22/2025

Complaint: 23356379

I am rejecting this response because:
The information you need is within the complaint. The account number I have is: *******.

Sincerely,

******* *******
Business Response
Date: 06/02/2025
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 Pointe ****** Apartments to release Mr/Ms ******* from liability for this debt.

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:05/20/2025
Type:Customer Service Issues
Status:
AnsweredMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
I am not liable for this debt with **********************************. I do not have a contract with ************************* They did not provide me with the original contract as requested.
Customer Answer
Date: 05/20/2025
I did not use a 3rd part to submit this complaint. I filed this complaint on my own. These are all accounts that need removed from my credit report for the same exact reasoning.
Business Response
Date: 05/22/2025
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: 05/22/2025

Complaint: 23353411

I am rejecting this response because: This does not constitute proper validation of the alleged debt under the Fair Debt Collection Practices Act (FDCPA) and the Fair Credit Reporting Act (FCRA).
I am formally requesting the following:
A copy of the original contract or lease agreement bearing my signature, demonstrating that I had a legal obligation to the alleged debt.
A complete itemized breakdown of how the amount was calculated, including any charges, fees, or penalties.
Proof of your authority to collect this debt on behalf of the original creditor (my previous landlord), including a chain of assignment or legal transfer.
Unless you are able to provide the above documentation, I am requesting that this account be immediately removed from all credit reporting agencies to which you have reported it. Reporting unverifiable or inaccurate information to credit bureaus violates the FCRA.
Please be advised that if you cannot provide this information within 30 days, or if you continue to report unverifiable information to the credit bureaus, I may file a formal complaint with the ************************************ (****), the ************************ (***), and my state attorney general.
This is not an acknowledgment or acceptance of the alleged debt. I am exercising my rights under federal law to ensure only accurate and fully verified information appears on my credit report.

Business Response
Date: 05/23/2025
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: 05/26/2025

Complaint: 23353411

I am rejecting this response because: Your reply does not resolve the core issue of my complaint: the continued reporting of a collection account on my ********************** report that I dispute as inaccurate and unverified.
To be clear:
I do not acknowledge ownership of the debt as currently reported.
I have not received proper validation of the debt, including but not limited to:
A copy of the original signed lease or agreement,
A detailed breakdown of charges allegedly owed,
Proof that National Credit Systems has the legal right to collect the alleged debt.
Reporting a debt to the credit bureaus without proper validation may constitute a violation of the Fair Debt Collection Practices Act (FDCPA) and Fair Credit Reporting Act (FCRA).
Because the debt remains unverified, I am requesting the immediate deletion of this account from all consumer credit reporting agencies. This is a reasonable resolution, especially if your company cannot provide the documentation to support the legitimacy of the debt as required by federal law.
If National Credit Systems is committed to operating ethically and professionally, as stated in your reply, then I expect you will:
Cease collection activity,
Remove the account from my ********************** reports,
And provide written confirmation of the deletion.
Please respond with confirmation that the account has been removed or, alternatively, provide the requested documentation proving the validity of the debt.

Sincerely,

******** *****
Initial Complaint
Date:05/20/2025
Type:Order Issues
Status:
AnsweredMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
I am not liable for AUTUMN PARK APTS, I do not have a contract with the NATIONAL CREDIT SYST, they did not provide me with the original contract as I requested.
Customer Answer
Date: 05/20/2025
This is to clarify I am sending this myself not through a 3rd party!
Business Response
Date: 05/22/2025
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:05/19/2025
Type:Customer Service Issues
Status:
AnsweredMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
I am not liable with this debt The ******** I do not have a contract with National Credit systems. They did not provide me with the original contract as requested.
Customer Answer
Date: 05/19/2025
Experian
*******************
********************
**************

I am not liable with this debt The ******** I do not have a contract with National Credit systems. They did not provide me with the original contract as requested.
Business Response
Date: 05/22/2025
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:05/19/2025
Type:Order Issues
Status:
AnsweredMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
I am not liable for this debt with San Paloma Apartments, I do not have a contract with National Credit Systems, LP, they did not provide me with the original contract as i requested
Customer Answer
Date: 05/20/2025
I gave authority for this complaint to be filed on my behalf I would like the collection removed from my account

Business Response
Date: 05/22/2025
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: 05/23/2025

Complaint: 23344891

I am rejecting this response because I was not contact and had no knowledge of this account balance

Sincerely,

******* **********
Business Response
Date: 05/28/2025
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:05/18/2025
Type:Service or Repair Issues
Status:
ResolvedMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
I am currently on a payment plan with the debt company National credit systems for a broken lease apartment. We agreed 2 years ago that would make a minimum payment of ****** per month to avoid the broken lease being added to my credit. The agreement has no specific date or time just as long as it's before the end of that said month. Each month I have been faithfully paying ****** some times even twice per month. And for the month of may i planned to make my payment per the usual before the end of the month and after a recent phone call from ***** ****** who works at National credit systems. I am down to owing ****** which I plan to make my ****** payment before the end of the month per the usual. It has since been added to my credit reported 7 days ago. For some reason I am wonky able to find payments from 2024 and 2023 but I made my last payment on April 1, 2025. This has been falsely added to my report
Customer Answer
Date: 05/18/2025
This was not reported by a third party:
I am still in the process of paying this apartment off as agreed upon , I am to make a payment of ****** every month which I have been doing. This was falsely added to my credit and I would like it removed. There was no missed payment. There was never an agreement between myself and NCS regarding a specific day or time that my payment had to be made only that it was to be paid before that month was out. The month of may is still going and I still have time to make **** payment. Which I planned to do at the end of the month. My last payment posted 4/1
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: 06/27/2025

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:05/17/2025
Type:Billing Issues
Status:
AnsweredMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
As of May ******* I noticed that National Credit Systems **** and National Credit System is reporting an amount of $13,397 chargeoff/ collection in my consumer credit report. The Original Creditor is listed as Bexley Exchange Apts. I do not have a contract with either company. I filed this complaint because I believe this is not a valid debt that I owe. The damage affects My creditworthiness and prevents my ability to get housing, credit and employment dropped 200 points. I require this alleged debt to be removed immediately. I do not give written consent or verbal consent to National Credit Systems *** for the collection, use or disclosure of my non- public personal information which was illegally obtained by National Credit Systems **** I believe my rights are violated pursuant to the ***** (Fair Debt Collection Practices Act).
Customer Answer
Date: 05/21/2025
Hello, I am the natural person and complainant. I have not used a third party to get my complaint to BBB. Please reopen immediately and address the one and only complaint against National Credit Systems **** for violating my constitutional rights and consumer protection rights under FDCPA.
Business Response
Date: 05/22/2025
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: 05/27/2025

Complaint: 23344069

I am rejecting this response because:
The response from National Credit Systems **** suggests that I gave them a review. I gave notice to National Credit Systems **** clear instructions to vacate all consumer reports immediately, to delete the alleged debt, all misrepresentations, threats, duress and coercion pertaining to the presumptions in their response. I do not give written consent to National Credit Systems **** or any permissible purpose to communicate on my consumer reports. I trust that this notice will suffice and that National Credit Systems **** will be able to comply with my rights, title and interest under POA, FCRA and FDCPA.
Sincerely,
By: Raezinn;******** - Agent
Initial Complaint
Date:05/16/2025
Type:Order Issues
Status:
AnsweredMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
I am not liable for this **** with National Credit System. I do not a contract with Business Headquarters Location, they did not provide me with the original contract as I requested.
Customer Answer
Date: 05/16/2025
I did not use a third party to complete my complaint. I reported my complaint. I have no knowledge of the credit report that is on my credit. I never lived in ******* nor been evicted to owe such amount. I have no contract with this company. I am requesting this to be removed from my credit account.
Business Response
Date: 05/22/2025
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: 05/22/2025

Complaint: 23337684

I am rejecting this response because I never been evicted nor have I lived in ******* or owe any property. This is a result of identification theft. I demand this remove of o my credit report. I have no contract with National systems. This is effecting my life and causing hardship.

Sincerely,

**** ******
Business Response
Date: 05/23/2025
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:05/16/2025
Type:Billing Issues
Status:
UnresolvedMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
I am filing a formal complaint against The ****** @ 4250 Apartments (********, **), their property management company ************, and the debt collection agency National Credit Systems, Inc. regarding a disputed lease term, unsafe living conditions, and improper debt collection practices.When I applied for housing, my household specifically requested a 6-month lease. The leasing agent told us only 12-month leases were available, and we agreed. However, the lease was later revealed to be 16 months, which we never knowingly accepted or signed with full understanding. A leasing agent has since acknowledged remembering our 6-month lease request, supporting our claim that this was a misrepresentation.After completing 12 months of residency, we moved out in good faith. The property then sent an alleged debt of over $6,000 to collections. I formally disputed the debt and requested validation under the Fair Debt Collection Practices Act (FDCPA). Instead of providing proper documentation, the balance increased without explanation, and no lease copy, itemized breakdown, or proof of charges was ever provided.During our tenancy, we also endured ongoing unsafe and uninhabitable conditions, including:Severe ***** infestations Fire hazards (grills operated directly on siding)Dangerous, off-leash pit bulls on the premises A neighboring apartment conducting commercial business in a residential zone These issues were reported repeatedly to management and went unresolved, ultimately leading to what I consider constructive eviction due to health and safety risks.I am seeking:Closure of this debt and cessation of collection attempts Removal of any related negative credit reporting Accountability for unsafe housing and misrepresentation of lease terms
Customer Answer
Date: 05/16/2025
This message serves as clarification that I, ****** ********, filed the complaint myself and did not authorize any third party to submit it.

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: 23337403

I am rejecting this response because:
My Position: NOT Satisfied

Thank you for forwarding National Credit Systems response. Unfortunately, their message does not address the core issues of my dispute. I am not satisfied with their response and would like the matter to remain open for further review.

I am disputing the validity of the debt because it stems from:

Constructive eviction due to unsafe and uninhabitable living conditions that forced me to vacate the premises prematurely.
Lease misrepresentation the leasing agent confirmed that we requested a 6- or 12-month lease but were issued a 16-month lease without our knowledge. She was later relieved of her duties, raising further concerns about her conduct.

I have submitted a formal dispute under the Fair Debt Collection Practices Act (FDCPA) and have also requested validation of this debt. As of this response, I have not received proper verification, only a general statement.

Until the debt is fully validated and my concerns addressed, I ask that the collection efforts be halted and that any negative credit reporting be removed or marked as disputed.

Thank you for your assistance.

Sincerely,

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

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Complaints

Customer Complaints Summary

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