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Business Profile

Collections Agencies

National Credit Audit Corporation

This business is NOT BBB Accredited.

Find BBB Accredited Businesses in Collections Agencies.

Complaints

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

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    Customer Complaints Summary

    • 87 total complaints in the last 3 years.
    • 17 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:03/29/2023

      Type:Billing Issues
      Status:
      Answered
      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      I am rejecting this response because:   An addendum is not a lease. I need to be provided with a lease that I signed and initialed.

      Business Response

      Date: 04/13/2023

      NCAC is not a debt buyer, The account was assigned to NCAC by her former landlord ***************. ****************** was an add on to an existing lease. She was provided with a copy of the add on addendum  on 4/29/23

    • Initial Complaint

      Date:02/22/2023

      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 have disputed this charge from NCAC Collections several times. When I check my credit report it is still there and it reports that this has never been disputed but my report clearly shows that it has. This is not my debt. I have been trying for over 2 years to get this removed from my report. This is stopping me from obtaining housing. When I requested proof of charges, I was told to submit it in writing and they will provide the proof. That was 2 years ago. I'm all out of options and don't know where to go from here.

      Business Response

      Date: 04/18/2023

      She disputed the account with TransUnion in May of 2019. We responded to that dispute. We have reported the debt as in dispute since that time. We have never received a written or verbal request for documents of any kind. She should send any request for documentation to NCAC PO Box ******, ******, ** *****

    • Initial Complaint

      Date:01/16/2023

      Type:Billing Issues
      Status:
      Unanswered
      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 have sent multiple certified mail letters asking for validation and the method of how they validated multiple fraudulent and questionable items on my credit report and have not received back anything in over 45 days for these accounts that are clearly inaccurate and fraudulent accounts. This credit
      bureau is disregarding the law and taking advantage of me and this has caused a big stress in my life. The most recent certified letter I sent was on 08/21/2022. I have added the letter and the certified mail receipt showing and confirming it was sent and received.

      I DEMAND that all the items are deleted and I need an updated copy of my credit report showing me just that since they couldn't provide me with validation and ignored my dispute if action is not taken I will *** in small claims court in my city and the company will have to come and represent themselves.

    • Initial Complaint

      Date:12/13/2022

      Type:Billing Issues
      Status:
      Unanswered
      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 Audit Corporation and do not have a contract with National Credit Audit Corporation. They did not provide me with the original application with signature like I asked. This is a serious violation according to 15 U.S 1692 (e) and 15 U.S 1692(f). Promptly DELETE all information from my credit report.

    • Initial Complaint

      Date:11/18/2022

      Type:Customer Service Issues
      Status:
      Unanswered
      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 was a resident at ******* town ********** in ************ ********* My lease was up January 31, 2022. I stay extra month And moved March 1, 2022. At the time of leasing, my apartment was infested with mice. Several complaints was made to the rental office. The mice were so bad and they ruined our furniture. When complain to the rental office, they sent pest control and told us that they will cover our furniture. My rent was 1505 a month, at the time of move out they are charging us $2500. The amount does not add up and I cannot speak to anyone to get the correct amount. This problem is affecting my credit and preventing me to find a home.

    • Initial Complaint

      Date:11/12/2022

      Type:Billing Issues
      Status:
      Unanswered
      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 Audit Corporation and do not have a contract with National Credit Audit Corporation. They did not provide me with the original application with wet signature like I asked. This is a serious violation according to 15 U.S **** (e) and 15 U.S ****(f). Promptly DELETE all information from my credit report.

    • Initial Complaint

      Date:10/27/2022

      Type:Billing Issues
      Status:
      Unanswered
      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 recently vacated an apartment that was not held to proper code; I had a fire the first week of living there due to the AC leaking into the breaker box, my AC constantly broke at least once a month if not more, it leaked into the carpets and caused mold in the closet behind the unit ruining a lot of my personal items. I have PTSD from living there and the fire that occurred. I complained multiple times with multiple work orders put in but nothing but bandaids were ever applied to the existing problem. The only respite I had was in winter when I could simply turn the AC off. I was gone for 2 months from July to the end of August and in the beginning of September received an email telling me to renew my affordable housing application. I told them I had no interest in renewing my lease due to the ongoing unlivable conditions. I was told that they placed 2 notices on my door in July to let them know wether or not I wanted to renew. The issue? My personal information was on a door where anyone could have gotten it and that was the ONLY notice I received, no calls or emails. As stated previously I was not in town and once I returned to the property I found no notice they claimed to have posted. The office staff admitted they knew about the problems and did nothing to fix it. I paid my rent on time and all of my utilities and left the unit in as good of a condition as I could despite the constant problems I lived through. I tried to call and got no answer. I am disputing this charge from this credit company I have never done business with and am disputing these bogus charges from the slumlords at that apartment complex.

    • Initial Complaint

      Date:10/20/2022

      Type:Billing Issues
      Status:
      Unanswered
      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 was not sent in error. I am consumer by law and I want you guys to delete the inaccurate accounts in my credit report. Here are the details of the said inaccurate accounts, company name, balance & date last reported: Account Name *** CRED AUD Balance $279 Account Number *********

    • Initial Complaint

      Date:10/13/2022

      Type:Service or Repair Issues
      Status:
      Unanswered
      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 Original Creditor and I do not have a contract with Collection Agency plus they did not provide me with the original application like I asked.
      Date Transaction: 10/13/2022
      Date of First Issue: 03/05/2018
      Amount Disputed: 195
      Account Number: *********

    • Initial Complaint

      Date:10/12/2022

      Type:Customer Service Issues
      Status:
      Unanswered
      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 have reached out to National Credit Audit Corporation. They have failed to provide proof of validation regarding a debt that does not belong to me. They have furnished this alleged debt on my consumer report and have failed to validate the alleged claim pursuant to Sec. 809(b)of the Fair Debt Collection Practices Act and according 609(a)(1)(A), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. I demand this item be removed from my credit report immediately. National Credit Audit Corporation you are furnishing inaccurate and incorrect information to the consumer reporting agencies.The reporting of such inaccurate information has caused severe damage to my character, my reputation, my general mode of living and my ability to obtain credit for personal and house purposes.You and your inaccurate reporting have damaged my livelihood.15 U.S. Code § 1681s-2 - Responsibilities of furnishers of information to consumer reporting agencies(a)Duty of furnishers of information to provide accurate information1) Prohibition(A)Reporting information with actual knowledge of errorsA person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.Duty: a moral or legal obligation; a responsibilityAccurate: correct in all details; exact.Prohibition: a law or regulation forbidding somethingAs Defined by The IRSEven if you didn't receive a Form 1099-C, you must report canceled debt as gross income on your tax return.The IRS Clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes your reporting of this account inaccurate!ACCOUNT NUMBER: D4395****

    National Credit Audit Corporation is NOT a BBB Accredited Business.

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