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

Customer Complaints Summary

2,985 total complaints in the last 3 years.
644 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.

Initial Complaint
Date:05/15/2025
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 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: 05/15/2025
No, I did not hire a third party to come a complaint on my behalf. I am filing the complaint myself.
Business Response
Date: 05/17/2025
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: 05/17/2025

Complaint: 23333050

I am rejecting this response because, as stated previously, I do not have a contract with National Credit Systems. I did not receive notice from National Credit Systems pertaining to this matter. Therefore, I would like this removed from my credit report.

Sincerely,

****** *******
Business Response
Date: 05/20/2025
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 Pier 5350 Apartments. This debt did not originate with our organization, nor do we have permission from Pier 5350 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: 05/27/2025

Complaint: 23333050

I am rejecting this response because I have waited for the company to reach out but they have not sent an original contract stating that I am liable to pay this through them.

Sincerely,

****** *******
Initial Complaint
Date:05/13/2025
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.
Im not liable for this debt with fulton cotton mill lofts.I do not have a contract with NATIONAL CREDIT SYSTEMS, they did not provide me with a contract as I requested
Customer Answer
Date: 05/14/2025
No I did not authorize a third party to file a complaint, Im filing this complaint myself
Business Response
Date: 05/17/2025
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 Fulton Cotton Mill Lofts 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:05/13/2025
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 *************************** 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: 05/14/2025
It was me ****** ******* who made this complaint. NO 3rd party made compliant on my behalf
Business Response
Date: 05/17/2025
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: 05/17/2025

Complaint: 23324208

I am rejecting this response because: I don't hold a contract with you . I am not liable for this debt
I demand this be deleted from my credit report.
Sincerely,

****** *******
Business Response
Date: 05/20/2025
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.
Initial Complaint
Date:05/12/2025
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.
I am writing to file a formal complaint against H36393539**3039**34H **** (H3238363434**3136H) and the original creditor, Thirty-Five Hundred The Vine, regarding a debt collection matter.I am being contacted by H36393539**3039**34H **** in an attempt to collect a debt purportedly owed to Thirty-Five Hundred The Vine. I am advised that this alleged debt pertains to $5,980. I want to clearly state that I am not liable for any debt related to $5980 account# ** with Thirty-Five Hundred The Vine. Despite my request, H36393539**3039**34H **** has failed to provide me with any documentation whatsoever to validate this alleged debt. This lack of verification includes, but is not limited to, the original agreement, statements, or any other evidence demonstrating my responsibility for this debt. This failure to provide documentation and attempt to collect on an unverified debt constitutes a violation of the Fair H313236343631383630**H Reporting Act (FCRA). The **** requires debt collectors to provide verification of a debt upon request. Their continued collection attempts without providing any supporting documentation are causing me undue stress and potentially impacting my creditworthiness.
Customer Answer
Date: 05/12/2025
No, I did not authorize a 3rd party to submit a complaint on my behalf. I submitted the complaint 5/12/2025 approximately at 11:55am EST. National Credit Systems has a history of purchasing debt from certain creditors without providing documentation to the consumer, in this case I have no knowledge of this debt and I have tried to contact the credit bureaus to do a full investigation however they have not competed the investigation within the allotted time frame set by **** and still have not sent me an explanation; which is why I have chosen to file a complaint with the BBB.
Business Response
Date: 05/17/2025
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: 23317950

I am rejecting this response because: I have disputed this information numerous times and never received a response from National Credit Systems, Inc. I have disputed this with all 3 major credit Bureaus, and they never provided a thorough investigation.
I have submitted for dispute and investigation with ******* 5/21/2023 sent certified mail through ****
i have I have submitted for dispute and investigation with Experian 5/21/2023 sent certified mail through USPS
I have submitted for dispute and investigation with ********** 5/21/2023 sent certified mail through *****

all of the disputes were completed by 6/13/2023
I submitted a 2nd round of disputes with all 3 major credit bureaus 12/2024 and still received no explanation, proof of debt, or resolution.

I have recently submitted a dispute with ******* on 5/12/2025 and i expect this account to be deleted from my credit report or i will have to move forward in the legal process for not following FCRA

Sincerely,

**** *****
Initial Complaint
Date:05/08/2025
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 debit 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: 05/09/2025
My proof of ledger. I didnt sign a contract with National Credit Systems
Business Response
Date: 05/12/2025
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:05/08/2025
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 National Credit System. I do not have a contract with National Credit System. They did not provide me with the original contract that I requested.
Customer Answer
Date: 05/08/2025
I have submitted evidence of documentation that I am ******* ******** and I am filing this complaint on my behalf.
Business Response
Date: 05/12/2025
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: 05/12/2025

Complaint: 23304303

I am rejecting this response because: National Credit System has failed to provide validation that this debt belongs to me. I am the consumer who is failing this complaint and I represent myself.

Sincerely,

******* ********
Business Response
Date: 05/17/2025
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: 05/17/2025

Complaint: 23304303

I am rejecting this response because: I have no knowledge of this account. I have sent multiple certified letters requesting validation of this debt with your company. I have not received a response concerning this debt. I have attached documentation showing my request and your failure to respond.

Sincerely,

******* ********
Initial Complaint
Date:05/08/2025
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. 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: 05/08/2025
This complaint was filed by me, Tay Orange and not a 3rd party. National Credit Systems is not the originator of the account and did not provide me with an official contract upon request. I will like this removed from my credit report. Thank you.
Business Response
Date: 05/12/2025
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:05/08/2025
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.
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.
Customer Answer
Date: 05/08/2025
No, I did not authorize any third-party company to file a BBB complaint on my behalf. I have handled all communications directly.

Business Response
Date: 05/12/2025
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:05/07/2025
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.
I paid this account in full to ******************** based on a verbal agreement that it would be deleted from my credit reports (pay-for-delete). I was clearly given two options by their representative: (1) pay and have it show Paid, or (2) pay in full and have it deleted from all credit bureaus. I chose the deletion option and paid the full balance.However, the account was updated as Paid in Full Settled, not deleted. When I called back, I was told deletion takes 60 days and that they do not give written confirmation of the agreement. This was never disclosed before payment and is misleading and deceptive.I have already filed a formal complaint with the ************************************ (****) and my state attorney general regarding this issue. I am now requesting through the BBB that National Credit Systems honor the original agreement and delete this account from all ********************** reporting agencies as promised.
Customer Answer
Date: 05/07/2025
I did submit a complaint and I did not use any 3rd party
Business Response
Date: 05/12/2025
This account is closed from our end.
Initial Complaint
Date:05/07/2025
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 I do not have a contract with ***************************, they did not provide me with the original contract as i requested. I have no record or prior knowledge of this balance being owed
Customer Answer
Date: 05/09/2025
This transaction is not mine, nor do I have any record of owing payments. My credit went down due to this unfamiliar posting of National Credit Systems, Inc. I would like this situation handled and corrected on my credit report
Business Response
Date: 05/12/2025
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.

BBB Business Profiles may not be reproduced for sales or promotional purposes.

BBB Business Profiles are provided solely to assist you in exercising your own best judgment. BBB asks third parties who publish complaints, reviews and/or responses on this website to affirm that the information provided is accurate. However, BBB does not verify the accuracy of information provided by third parties, and does not guarantee the accuracy of any information in Business Profiles.

When considering complaint information, please take into account the company's size and volume of transactions, and understand that the nature of complaints and a firm's responses to them are often more important than the number of complaints.

BBB Business Profiles generally cover a three-year reporting period, except for customer reviews. Customer reviews posted prior to July 5, 2024, will no longer be published when they reach three years from their submission date. Customer reviews posted on/after July 5, 2024, will be published indefinitely unless otherwise voluntarily retracted by the user who submitted the content, or BBB no longer believes the review is authentic. BBB Business Profiles are subject to change at any time. If you choose to do business with this company, please let them know that you checked their record with BBB.

As a matter of policy, BBB does not endorse any product, service or business. Businesses are under no obligation to seek BBB accreditation, and some businesses are not accredited because they have not sought BBB accreditation. BBB charges a fee for BBB Accreditation. This fee supports BBB's efforts to fulfill its mission of advancing marketplace trust.

Cookies on BBB.org

Complaints

Customer Complaints Summary

If you've experienced an issue

Filter and sort by

Sort by

Complaint status

Complaint type

Complaint statuses

Customer Answer

Business Response

Customer Answer

Business Response

Customer Answer

Complaint statuses

Customer Answer

Business Response

Complaint statuses

Customer Answer

Business Response

Customer Answer

Business Response

Complaint statuses

Customer Answer

Business Response

Customer Answer

Complaint statuses

Customer Answer

Business Response

Complaint statuses

Customer Answer

Business Response

Customer Answer

Business Response

Customer Answer

Complaint statuses

Customer Answer

Business Response

Complaint statuses

Customer Answer

Business Response

Complaint statuses

Customer Answer

Business Response

Complaint statuses

Customer Answer

Business Response

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