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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

    • 2,981 total complaints in the last 3 years.
    • 642 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:07/21/2025

      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 beverley ***** 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: 07/21/2025

      I am submitting this request on behalf of myself, ***** *******. I am not liable for this debt with beverley ***** I do not have a contract with National Credit System. They did not provide me with the original contract as I requested. I demand to have this removed. 

      Business Response

      Date: 07/25/2025

      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:07/17/2025

      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'm 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 requested.I demand this account to be removed from my credit report.

      Customer Answer

      Date: 07/18/2025

      I ******* Siatiu filed this complaint because I am not liable for this debt. 

      Business Response

      Date: 07/22/2025

      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:07/17/2025

      Type:Order Issues
      Status:
      Answered
      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      I'm not liable for this debt with Woodland Landings APTS. I do not have a contract with ************************* They did not provide me with original contract as requested.

      Customer Answer

      Date: 07/17/2025

      This is not a 3rd party filing on behalf. This is myself, **** ****** filing this claim for myself. Attached is proof using my driver's license.

      Business Response

      Date: 07/22/2025

      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:07/16/2025

      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 am disputing an invalid account reported by ******************** on my credit report. This account is inaccurate, unverified, and violates the Fair Credit Reporting Act (FCRA). Since it does not meet the legal standards for reporting, I request its immediate removal. If the furnisher cannot provide proper validation, it must be deleted per federal law.

      Customer Answer

      Date: 07/17/2025

      I filed the complaint myself. I did not have a 3rd party file on my behalf. When explaining my complaint, I used a template to ensure I relayed the correct information.

      Business Response

      Date: 07/22/2025

      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: 07/22/2025

       
      Complaint: 23612294

      I am rejecting this response because:
      This is a generic response that has nothing to do with my personal issue.


      Sincerely,

      **** *******

      Business Response

      Date: 07/25/2025

      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 **************** 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:07/16/2025

      Type:Product Issues
      Status:
      Unresolved
      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      I am disputing a $4,888 debt reported by National Credit Systems, Inc. for an apartment I was previously on the lease for. I am not liable for this debt due to the following circumstances:I was removed from the lease by my ex-girlfriend, who informed both me and responding police officers that she replaced me with a new tenant (her boyfriend). This occurred during a police-escorted visit, which I have documented.I was unable to return to the apartment afterward due to domestic violence. I have uploaded a Family Court Protection From Abuse Order (***) that confirms a court-issued restraining order was placed against the respondent (my ex).During that visit, I recovered only a few of my personal belongings while the police supervised. My ex sold or discarded the rest of my possessions, including items with receipts in my name, which I have photographic evidence of. She also destroyed my birth certificate and committed physical abuse.I am submitting this dispute to clarify that I no longer had control over or access to the apartment at the time damages or charges were incurred. I was no longer legally or practically responsible for the unit.

      Customer Answer

      Date: 07/17/2025

      I am requesting that this debt be removed from my credit report and closed with no further collection action, as I was not the responsible party at the time the charges were incurred. I am also requesting that National Credit Systems update their records accordingly and cease any further attempts to collect this debt from me.

      Business Response

      Date: 07/18/2025

      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: 07/18/2025

       
      Complaint: 23611916

      I do not accept the businesss response.
      The $4,888 debt in question is not valid. I did not live at the property during the time the debt accrued. My ex-partner stayed in the unit after I was told I was removed from the lease. I should not be held liable for rent during that time.


      I am attaching proof, including documentation supporting my removal from the property.


      The business has failed to verify the debt or provide proof of my legal responsibility. I request this case remain open while I pursue a dispute and request that National Credit Systems produce documentation showing I owe this balance.



      Business Response

      Date: 07/22/2025

      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 Hidden Creek 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: 07/22/2025

       
      Complaint: 23611916

      This debt is being reported under my name, but I was not legally responsible for the lease at ***********************. My ex-partner is the one who lived at the apartment and signed the lease agreement. I have provided documentation, including a Protection From Abuse order police report witness statement that shows I was told by both the property management and law enforcement that I was not on the lease and was not allowed to remain on the premises.


      National Credit Systems is attempting to collect a debt that should not be assigned to me. Whether or not Hidden Creek authorized NCS to release me from liability is irrelevant if I was never legally responsible in the first place.


      I respectfully request this debt be removed from my credit report. Continuing to report it as mine is inaccurate, unfair, and damaging to my credit, especially as I attempt to rebuild my life after leaving an abusive situation.


      I am asking for this matter to be reviewed fully and for NCS to cease collection efforts against me and notify the credit bureaus to delete this account from my report.


      Please confirm in writing that this will be done.


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

    • Initial Complaint

      Date:07/16/2025

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

      Customer Answer

      Date: 07/17/2025

      I am.not liable for this debt with National Debt systems, they did not provide me with the original contract as I requested.

      Business Response

      Date: 07/18/2025

      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:07/15/2025

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

      Customer Answer

      Date: 07/15/2025

      It is attached.

      Business Response

      Date: 07/18/2025

      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: 07/23/2025

       
      Complaint: 23603023

      I am rejecting this response because: I am a victim of a date breach and identity theft. I kindly request you remove and block this account on my ********************** report pursuant to FCRA SECTION 605B, 15 U.S.C 1681c2. 

      Experian is violating my rights by keeping this account and all fraudulent personal information on my credit report. Attached is a FTC Identity Theft Criminal Case and supporting documentation. My next step of contacting the state attorney and intent to sue. Please complete within 4 business days as required by law.


      Sincerely,

      Genesis *******

      Business Response

      Date: 07/25/2025

      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:07/14/2025

      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 the debt with Ingleside Plantation Apts. I do not have a contract with National Credit Systems. They did not provide me with the original contract as requested.

      Customer Answer

      Date: 07/15/2025

      Hello, this is not a 3rd ******* I am ****** ******* and this messagenis coming directly *******. I recently took an online course to help me removing items off of my cam reddit that I believe shouldn't be there and this was the information they gave me to submit to BBB. Basically the financial institutes I am putting the complaint against will not give me any information on my account or show me evidence that we are in a contracted relationship. So since I received no information from them, my next step was to contact BBB.

      Business Response

      Date: 07/16/2025

      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: 07/16/2025

       
      Complaint: 23599910

      I am rejecting this response because I need you to provide me with a contracted agreement (from the landlord) that I am negligent. I need documented proof that I am responsible for this debt.

      Sincerely,

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

      Business Response

      Date: 07/17/2025

      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.

    • Initial Complaint

      Date:07/14/2025

      Type:Order Issues
      Status:
      Answered
      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      I am not liable for this debt with national credit systems. I do not have a contract with national credit systems, they didn't provide me with the original contract as requested

      Customer Answer

      Date: 07/15/2025

      I ******* **** submitted this claim because this account is false. This account does not belong to me neither did I agree to anything with this company. The correction I would like is to remove this collection away from my account.

      Business Response

      Date: 07/18/2025

      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: 07/20/2025

       
      Complaint: 23598489

      I am rejecting this response because I did not sign an agreement with National Credit System either do I know anything about a lease. Per (FCRA 602A, 611, 607B) please delete immediately.

      Sincerely,

      ******* ****

    • Initial Complaint

      Date:07/14/2025

      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 liable for this debt with *****************, I do not have a contract with the collection agency National Credit Systems, they did not provide me with the original contract as requested.

      Customer Answer

      Date: 07/15/2025

      ****** Bolterzar 
      *******************;
      ***************************
      *******************************
      ************ 


      NATIONAL CREDIT SYSTEMS
      1775 THE EXCHANGE SOUTHEAST
      *****************
      **************


      Dispute of Debt and Request for Validation

      To Whom It May Concern,


      I am writing to dispute the validity of a debt your company has attempted to collect. Under the Fair Debt Collection Practices Act (FDCPA), I request that you provide proper documentation to validate this debt, including:


      The name of the original creditor
      The original amount of the debt
      A full payment history
      Proof that I am legally obligated to pay the debt
      A copy of the original contract or agreement bearing my signature

      Until you provide this information, I request that you cease all collection activities, including reporting this account to ********************** bureaus. If this debt has already been reported, I also request that you inform the credit bureaus that the debt is in dispute, per Section 809(b) of the FDCPA.


      Additionally, please note:

      I do not recognize this debt.
      I believe this debt has already been paid.
      I believe the amount claimed is incorrect.
      I believe this debt is the result of identity theft.


      This letter is sent in good faith and is not an acknowledgment or acceptance of the alleged debt. I also request that you communicate with me in writing only.


      Please respond within 30 days of the date of this letter. Thank you for your cooperation.


      Sincerely,
      ****** *********


      Business Response

      Date: 07/18/2025

      Your contract was with your previous landlord who placed your account in our office for collections. 

      I hope that the above response will provide your office with the information you are seeking. Please contact me with any additional questions.


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

    To become accredited, a business must agree to BBB Standards for Trust and pass BBB's vetting process.

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