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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.
    • 635 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:07/12/2025

      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 filing this complaint against National Credit Systems, *** concerning an account they are reporting on my credit report.National Credit Systems, *** is reporting a collection account under my name, However, they have failed to provide proper validation of the alleged debt as required under the Fair Debt Collection Practices Act, (FDCPA), specifically 15 U.S.C. 1692g. I formally requested validation of the debt, but to date, I have not received any documentation that verifies the debt, the original creditor, or any proof that National Credit Systems, *** has the legal right to collect on this account.I have not received:A signed agreement or contract bearing my signature A full breakdown of the alleged debt Documentation showing the chain of custody or legal assignment from the original creditor to National Credit Systems, Inc.Without this information, I cannot confirm whether the debt is valid or if National Credits Systems***** is legally authorized to collect or report it. Their failure to properly validate the debt yet continue to report it to the collection agencies has damaged and continues to damage my credit and constitutes a violation of the federal consumer protection laws.Furthermore, the false reporting of this debt has caused extreme hardship resulting in my current homelessness.

      Customer Answer

      Date: 07/13/2025

      I did not authorize any third party to submit a complaint or act on my behalf concerning my complaint against National Credit Systems, Inc. I am the consumer, and alone I have submitted this complaint without assistance from anyone. 

      Business Response

      Date: 07/16/2025

      The purpose of this posting is specifically, and only, related to the review you left on our company.  Please provide us with the phone number called along with the date and time of the call. We should then be able to review the call(s) for quality and professionalism. You can send it to ************************************ Thank you in advanced for providing this information so we can improve our service.

    • Initial Complaint

      Date:07/12/2025

      Type:Order Issues
      Status:
      Resolved
      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 charter communications, 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: 07/13/2025

      This is not a third party company. I ****** ****** is filling complain. 

      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

       
      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:07/12/2025

      Type:Billing 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 not liable for this alleged debt with NATIONAL CREDIT SYSTEMS **** as they have not validated this debt pursuant 12 CFR 1006.34(a) of Regulation F. I do not have a contract or an agreement with NATIONAL CREDIT SYSTEMS **** NATIONAL CREDIT SYSTEMS **** has not provided me with an original contract or accounting for this alleged debt.Alleged Debt account number last four: *3177 Alleged Amount: $547

      Customer Answer

      Date: 07/12/2025

      I confirm that I personally filed this complaint with the Better Business Bureau. and I have not authorized any third-party company or representative to act on my behalf.



      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: 23591678

      I am rejecting this response because: The response from the business does not address the matter pertained in the original complaint. 

      Sincerely,

      Business Response

      Date: 07/18/2025

      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 Maa Cedar Park 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: 07/21/2025

       
      Complaint: 23591678

      I am rejecting this response because:

      To Whom It May Concern:
      I am writing in direct response to the statement you provided regarding my complaint to the Better Business Bureau. While you assert your role as a third-party debt collection agency, this does not exempt you from compliance with federal consumer protection laws, specifically the Fair Debt Collection Practices Act (FDCPA) and relevant provisions of the Fair Credit Reporting Act (FCRA). Your obligations under these laws remain unchanged.

      Your response fails to address your fundamental failure to validate this debt before reporting it to consumer reporting agencies. This is a critical legal requirement.

      Under 12 C.F.R. 1006.30(a)(1), a debt collector must not furnish information about a debt to a consumer reporting agency before communicating with the consumer about the debt and providing validation information. Furthermore, this regulation clearly states that you must wait at least 14 days after sending a letter or electronic message about a debt before reporting information about that debt to a consumer reporting agency.
      You reported this alleged debt without adhering to these essential pre-reporting requirements, which constitutes a clear breach of your statutory obligations.

      You claim that I have submitted the dispute to the **** and are currently investigating this claim However, this completely overlooks NCSs ongoing violation of the law requiring you to cease collection activities upon dispute.
      The FDCPA, 15 U.S.C. 1692g(b), explicitly mandates that if a consumer disputes a debt in writing, a debt collector shall cease collection of the debt until the debt collector obtains verification of the debt and a copy of such verification is mailed to the consumer. Credit reporting is unequivocally considered a collection activity under federal law.

      Therefore, your continued reporting of this account to ********************** bureaus,even while investigating or supposedly noting a dispute, is a direct and continuing violation. Your obligation is to stop all reporting during investigation.  You have not done this.

      Your unlawful actions have caused demonstrable harm to my credit standing,credit opportunities amongst other documented damage. Furthermore, I have also emailed Mr. ****** (the CEO) about these issues and there has been no response.

      Thus, this communication is my final attempt to resolve this matter amicably before retaining legal representation.
      I demand the following:

      1. Immediate and permanent removal of this alleged account from all consumer reporting agencies.
      2. financial resolution for all damages incurred as a result of your non-compliant furnishing and collection practices.

      I require your definitive position on whether National Credit Systems **** is willing to meet these demands and discuss a full resolution. I will allow seventy-two hours(72) from the date of this letter.  Should National Credit Systems **** decline to resolve this matter in good faith, I reserve all rights to pursue further action, including filing suit in Texas Federal Court.

      Thank you for your time.



      Sincerely,

    • Initial Complaint

      Date:07/12/2025

      Type:Order Issues
      Status:
      Answered
      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      I am not liable with this debt and do not have a contract with this company.They did not provide me with the original contract upon request.This is disturbing my mental health .Please see what you can do.

      Customer Answer

      Date: 07/12/2025

      Yes I authorized a third party to file a complaint

      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: 23590857

      I am rejecting this response because:I do not have any contract with any landlord.Provide contract .Thanks 

      Sincerely,

      Maduabuchukwu Diji

      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.

      Customer Answer

      Date: 07/18/2025

       
      Complaint: 23590857

      I am rejecting this response because:All I am asking for is a copy of the agreement that I signed, as well as the letter authorizing you to act on behalf of whoever mandated you. Additionally, I request documentation showing your legal authority to report my information to the credit bureau, which has resulted in significant and irreparable harm to my credit.
      Did you ever attempt to contact me before taking this action? Why was my information reported without any prior communication or notice? This constitutes gross misconduct on your part as a collection agency.
      I have no knowledge of who authorized you to act in this matter. I am formally demanding that you remove the derogatory information from my credit report immediately, in accordance with the law. If this is not done, I will pursue legal action.
      This will be my final correspondence.

    • Initial Complaint

      Date:07/10/2025

      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. I do not have a contract with national credit system

      Customer Answer

      Date: 07/11/2025

      Yes it was a third party I dont have the information because it was a scam I didn't sign any paperwork or anything. I demand this be removed from my credit 

      Business Response

      Date: 07/16/2025

      The purpose of this posting is specifically, and only, related to the review you left on our company.  Please provide us with the phone number called along with the date and time of the call. We should then be able to review the call(s) for quality and professionalism. You can send it to ************************************ Thank you in advanced for providing this information so we can improve our service.

    • Initial Complaint

      Date:07/09/2025

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

      Customer Answer

      Date: 07/09/2025

      I did not authorize any third-party company to file a complaint on my behalf. I personally submitted the complaint myself.
      I submitted two complaints with the same wording because I realized after submitting the first one that I made an error in the information. To correct it, I submitted a second complaint with the corrected information. I apologize for the confusion. Please proceed with the most recent/correct complaint and disregard the earlier one.

      Business Response

      Date: 07/11/2025

      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: 07/11/2025

       
      Complaint: 23577057

      I am rejecting this response because:

      National Credit Systems is attempting to collect and report a $9,263 rent-related debt that is not legally enforceable against me. I was not the primary leaseholder the contract was between the landlord and my mother. I have never received any documentation from National Credit Systems showing that I personally owe this debt, nor have I been provided with any lease agreement, itemized charges, or proof that this debt was assigned to me by the original creditor.

      Under the Fair Debt Collection Practices Act (FDCPA) and the Fair Credit Reporting Act (FCRA), you are required to fully validate a debt before reporting or collecting. To date, National Credit Systems has failed to provide any documentation proving:
      1.That I personally signed a lease creating liability for this amount,
      2.That you have legal standing to collect this debt from me,
      3.That the $9,263 balance is accurate and attributable to my actions.

      If National Credit Systems cannot produce verifiable proof that I am legally and solely responsible for this debt not just listed on a lease alongside my mother then this account must be immediately removed from my credit report. Continuing to report unvalidated or misattributed debt is a direct violation of federal law, and I am prepared to escalate this matter to the ************************************ (****), the ************************ (***), and my state attorney generals office, as well as explore legal action for credit damage.

      This is your opportunity to resolve this fairly by removing the tradeline. I expect confirmation of removal or complete documentation within 7 business days.

      Sincerely,

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

      Business Response

      Date: 07/14/2025

      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: 07/14/2025

       
      Complaint: 23577057

      I am rejecting this response because:

      Thank you for your response. However, I am not satisfied with the companys attempt to shift the matter offline without resolving the underlying issue here on the BBB platform.

      Once again: I am not the responsible party for this debt. I never received a signed agreement showing I owed this $9,263 balance. If you are unable to provide full legal validation that I am solely responsible for this account including a lease signed by me binding me to this debt then by law under the Fair Debt Collection Practices Act, you must cease all collection efforts and remove this trade line from my credit report.

      I will send a written dispute to the email address you provided, but be advised: if this is not resolved, I will pursue a formal complaint with the ****, ***, and my state attorney generals office for credit reporting violations and misattributed debt.

      I look forward to a complete deletion and resolution.

      Sincerely,

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

    • Initial Complaint

      Date:07/09/2025

      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 *****************, 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: 07/09/2025

      I did file that complaint in regards to not being liable for the debt with kestrel Park Apts,  and like I stated in my complaint, I did not enter into a contract with national credit systems.

      Business Response

      Date: 07/11/2025

      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:07/08/2025

      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 was at an apartment complex. I was a month and a half behind on my rent. Because I was behind I could not renew my lease, they offered month to month which I had a problem with. I was told I would speak to a manager and never did. I left the complex and moved since my lease was up. All money that was owed came after my lease. So if anything I owe for the month in a half that I was behind and that's it. Yes there is a signature intially but I never signed for month to month and I had already moved because my lease was up. The complex just kept charging and now National Credit Systems wants me to pay. I am not liable for this debt and I do not have a contract with National Credit Systems. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit reporting Act. Also I'm requesting validation that is competent evidence bearing my signature, showing that I have some contractual obligation to pay you. Any negative marks found on my credit reports from your company or any company you represent, for a debt I don't owe is a violation of the ************* If you can't validate my debt all credit reporting agencies delete the entry

      Customer Answer

      Date: 07/08/2025

      This is not from a third party this is from ***** *****. Just because I know law terms does not mean I used a third party. How insulting. My complaint was about me notice how I said apartment complex and etc I explained my situation so you basically mean I got flagged for using FCRA and etc.

      Business Response

      Date: 07/10/2025

      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:07/08/2025

      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 Business Headquarters Location, they did not provide me with the original contract as I requested

      Customer Answer

      Date: 07/08/2025

      Im not and shouldnt be liable for this debt with NATIONAL CREDIT SYSTEMS, I do not have a contract with Business Headquarters Location, they didn't give me with the original contract as I requested

      Business Response

      Date: 07/10/2025

      The purpose of this posting is specifically, and only, related to the review you left on our company.  Please provide us with the phone number called along with the date and time of the call. We should then be able to review the call(s) for quality and professionalism. You can send it to ************************************ Thank you in advanced for providing this information so we can improve our service.

    • Initial Complaint

      Date:07/07/2025

      Type:Customer Service Issues
      Status:
      Answered
      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      I am not liable for this debt with National Credit Systems, I do not have a contract with **************** and have discovered that certain information has been reported without my written consent as required by law. I herby affirm that I have not provided written information for the furnishing or obtaining of my consumer information for the purposes indicated.

      Customer Answer

      Date: 07/07/2025

      I did not authorize a third party company to file a BBB complaint on my behlaf. 

      Business Response

      Date: 07/10/2025

      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: 07/11/2025

       
      Complaint: 23566713

      I am rejecting this response because:  I have not authorized or provided written information for the furnishing or obtaining of my consumer information for the purposes indicated.  I demand this account be removed from my credit report.

      Sincerely,

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

      Business Response

      Date: 07/14/2025

      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: 07/14/2025

       
      Complaint: 23566713

      I am rejecting this response because: This information has been reported without my written consent as required by law. I have never communicated with this business in any form including email, phone, in person, or through any other means. Therefore, there is no specifics that can be provided to access any account on my behalf for review. 

      As previously advised I have not authorized verbally or provided any written documentation to National Credit Systems for the furnishing or obtaining of my consumer information for the purposes indicated.  I demand this account be removed from my credit report.

      Sincerely,

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

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

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