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Business Profile

Collections Agencies

National Credit Adjusters, LLC
BBB accredited business seal
BBB Accredited BusinessB Rated by BBB

Complaints

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

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    Customer Complaints Summary

    • 1,075 total complaints in the last 3 years.
    • 222 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:07/15/2025

      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 not liable for this debt with National Credit Adjusters. I do not have a contract with National Credit Adjusters They did not provide me with the original contract as I requested.

      Business Response

      Date: 07/22/2025

      Please see attachment of NCA's signed response tailored to the
      consumer's complaint.

      the debt has been validated

      Customer Answer

      Date: 07/24/2025

      Thisnis the report that was made dated earlier this year that was thoroughly investigated and removed from my Experian account. This should be removed immediately from all credit bureaus.

    • Initial Complaint

      Date:07/13/2025

      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 not liable for this debt with First National Bank of Pasco. I do not have a contract with Portfolio Recovery. They did not provide me with the original contract as I requested.

      Business Response

      Date: 07/18/2025

      Please see attachment of NCA's signed response tailored to the
      consumer's complaint.

      the debt has been validated

    • 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 not liable for this debt with Advanced America. I do not have a contract with National Credit adjust, they did not provide me with original contract as I requested. I demand this account be removed from my credit report.

      Business Response

      Date: 07/18/2025

      Please see attachment of NCA's signed response tailored to the
      consumer's complaint.

      the debt has been validated

    • Initial Complaint

      Date:07/09/2025

      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.
      NATIONAL DEBT ADJUSTERS better known as NCA has placed an account on my credit report that I have no knowledge of. I refuse to pay this debt & I do not owe it. I am not liable for the debt and NATIONAL DEBT ADJUSTERS & I do not have a contract with them.

      Customer Answer

      Date: 07/10/2025

      Subject: Clarification of Complaint Against National Credit Adjusters, LLC

      Dear Better Business Bureau,

      I am writing to clarify my complaint against National Credit Adjusters, LLC, submitted on July 9, 2025, with complaint ID ********. I understand that my initial submission might have been perceived as template language, and I appreciate the opportunity to provide a more personal account of my concerns.

      I want to express that I have never engaged in any contract or business transaction with National Credit Adjusters, LLC. Furthermore, I do not have a wet signature on any documents related to this company. This lack of a contractual relationship raises serious concerns regarding the legitimacy of the entries on my credit report associated with their name.

      My specific violations include the following:

      1. Unverified Debt Reporting: I have not received any validation of the debt that National Credit Adjusters claims I owe. According to the Fair Debt Collection Practices Act, I have the right to demand this validation, which has not been provided.

      2. Lack of Documentation:As previously mentioned, I have not signed any documents, nor have I consented to any transactions with the company. This leads me to question the legality of the entries on my credit report.


      3. Potential Identity Theft or Fraudulent Activity: Given that I have no dealings with this company, I am concerned that my personal information may have been misused.

      I request that the BBB investigate this matter thoroughly to help resolve my concerns regarding the inaccuracies on my credit report. If necessary, I can provide additional documentation or correspondence that further substantiates my claims.

      Thank you for your attention to this issue. I look forward to resolving it as soon as possible.

      Sincerely,  
      ****** *******  
      **** *** **** ******  
      Cincinnati, OH,

      Business Response

      Date: 07/18/2025

      Please see attachment of NCA's signed response tailored to the
      consumer's complaint.

      the debt has been validated

    • Initial Complaint

      Date:07/09/2025

      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 not liable for the debt with Cash Central, I do not have a contract with National Credit Adjusters, as well they did not provide me with original contract as requested.

      Business Response

      Date: 07/18/2025

      Please see attachment of NCA's signed response tailored to the
      consumer's complaint.

      the debt has been validated

    • Initial Complaint

      Date:07/07/2025

      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 not liable for this debt with **************** I do not have a contract with National Credit Adjusters, LLC, they did not provide me with the original contract as I requested

      Business Response

      Date: 07/18/2025

      Please see attachment of NCA's signed response tailored to the
      consumer's complaint.

      the debt has been validated

      Customer Answer

      Date: 07/25/2025



      Complaint: ********



      I am rejecting this response because: this debt is not my debt and was not opened by me. The business has failed to contact me for a resolution. I demand it be removed from my credit report or I will take further action in reporting to the FTC.



      Sincerely,



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

    • Initial Complaint

      Date:07/03/2025

      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.
      THE DISPUTE FOR VALIDATION INACCURATE AND MISLEADING INFORMATION ON CREDIT REPORT.

      Business Response

      Date: 07/11/2025

      Please see attachment of NCA's signed response tailored to the
      consumer's complaint.

      the debt has been validated

    • Initial Complaint

      Date:06/30/2025

      Type:Billing 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 filing a formal and aggressive complaint against National Credit Adjusters (NCA) for continued harassment, reporting inaccuracies across multiple credit bureaus, and failure to provide legally required documentation under federal law.

      Despite never validating the alleged debt, NCA continues to place aggressive and disruptive calls to my personal cell phone while I am at work — an action that I have not consented to and now formally request be ceased immediately. This is a direct violation of the Fair Debt Collection Practices Act (FDCPA) 15 U.S. Code § 1692c(a)(1) and § 1692d. Continued calls after this notice will be treated as harassment and reported to the CFPB and Attorney General.

      On top of that, I am now demanding full and complete debt validation under 15 U.S. Code § 1692g(b). This must include:
      • A complete chain of custody/assignment from the original creditor (SpeedyCash) to NCA
      • A Forward Flow Agreement or contract that proves ownership of the debt
      • The purchase agreement showing transfer rights
      • A copy of the original signed contract (wet ink signature) tying me to the alleged account
      • Proof of your collection license to legally operate in my state (Texas)
      • Any contractual clause that states I legally owe NCA this alleged debt, not SpeedyCash

      Additionally, this account is being reported inconsistently across my credit reports:
      • The date of first delinquency is listed as May 14, 2021
      • The account open date is listed as January 5, 2023
      This reporting discrepancy violates the Fair Credit Reporting Act (FCRA) § 607(b), which requires furnishers to report accurate and complete information.

      I dispute the accuracy and legitimacy of this entire account and am requesting that it be immediately removed from all credit bureaus unless all documentation listed above is produced. If this account cannot be fully validated — with full chain of title, assignment, and lawful proof of ownership — it should not be reported or collected on.

      Business Response

      Date: 07/11/2025

      Please see attachment of NCA's signed response tailored to the
      consumer's complaint

      the debt has been validated

      Business Response

      Date: 07/22/2025

      Please see attachment of NCA's signed response tailored to the
      consumer's complaint.

      debt has been validated

      Customer Answer

      Date: 07/28/2025

       

      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. I will continue to monitor my reports to confirm a removal has been processed



      Sincerely,



    • Initial Complaint

      Date:06/29/2025

      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 don't agree with the account listed below, which still appears on my credit report even after your investigation. i would like this
      account immediately reinvestigated. these inaccuracies are
      highly injurious to my credit rating. furthermore, in accordance
      with the fair credit reporting act, public law 91-508, section 611,
      subsection a-d,

      Customer Answer

      Date: 06/30/2025

      I need this debt to be reinvestigated the dates are inaccurate and it’s damaging my credit

      Business Response

      Date: 07/11/2025

      Please see attachment of NCA's signed response tailored to the
      consumer's complaint.

      the debt has been validated

    • Initial Complaint

      Date:06/25/2025

      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 not liable for this debt with speedycash .I do not have a contract with ******** ****** ******* , they did not provide me with original contract as requested

      Customer Answer

      Date: 06/26/2025

      I filed the complaint with the best term I could find I’m not very good at writing things up so I asked a few of my people for help 

      Business Response

      Date: 07/03/2025

      Please see attachment of NCA's signed response tailored to the
      consumer's complaint.

      the debt was validated

    National Credit Adjusters, LLC is BBB Accredited.

    BBB accredited business seal

    This business has committed to upholding the BBB Standards for Trust.

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