Business Profile

Collections Agencies

National Credit Systems, Inc.

Headquarters

This business is NOT BBB Accredited.

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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

2,933 total complaints in the last 3 years.
1,012 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:04/15/2025
Type:Customer Service Issues
Status:
ResolvedMore 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 ****** Square B apts. I do not have a contract with Nation Credit Systems. They did not provide me with the original contract as I requested.
Customer Answer
Date: 04/16/2025
I am the consumer and I need help from BBB to proceed with the original complaint that I stated. Im really in dire need of assistance.
Business Response
Date: 04/17/2025
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: 04/17/2025

Complaint: 23209646

I am rejecting this response because:
Dear Better Business Bureau,

I am writing to formally reject the response provided by the company in regard to the debt currently being reported against me.

At no point did my former landlord provide me with any communication, billing statement, or formal notice regarding the alleged debt. There was no attempt to resolve the matter directly with me prior to involving a third-party collection agency.

Furthermore, I have no signed agreement or contract acknowledging this debt with the collection agency in question. The debt was placed into collections without my knowledge or consent, and without any opportunity for discussion, clarification, or resolution.

I respectfully request that this matter be further investigated, and that the collection be removed from my credit report until proper documentation and communication from the original creditor can be provided.

Thank you for your continued assistance.

Sincerely,

Keemyata *****
Business Response
Date: 04/21/2025
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 ****** ******************* 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: 04/21/2025

Better Business Bureau:

I have reviewed the response made by the business in reference to complaint ID ********, and I hope NCS investigates and responds with a resolution thats 100% satisfactory to me. I will be waiting for there response via email like stated in the response.

Sincerely,

Keemyata *****
Initial Complaint
Date:04/11/2025
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: 04/11/2025
I sent in a complaint on my own behalf.
Business Response
Date: 04/13/2025
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:04/10/2025
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 National Credit Systems with a balance of $5484, I do not have a contract National Credit Systems they did not provide me with the original contract as I requested.
Customer Answer
Date: 04/11/2025
I ****** ***** personally sent these complaints. To clarify for both complaints the first being the original creditor **************************** with a balance of $5484 and second original creditor being ********************* with a balance of $1980. I do not have a contract with National Credit Systems and they did not provide me with the original contract as I requested. I am requesting that they moved from my credit report.
Business Response
Date: 04/13/2025
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:04/09/2025
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 sunset apts, i do not have a contract with national credit systems, they did not provide me with original contract as i requested.
Customer Answer
Date: 04/09/2025
I desire to get national credit syst from my equifax, it has been removed from transunion and Experian. I didnt do a contract either national credit syst. Account number is *******. There is no 3rd party involved, I did this complaint myself.
Business Response
Date: 04/14/2025
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:04/08/2025
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 RESPONSIBLE ANY DEBT WITH NATIONAL CREDIT SYSTEMS **** I HAVE NOT SIGNED ANY CONTRACT WITH THIS COMPANY AND THEY HAVE FAILED TO PROVIDE ME WITH ANY CONTRACT INFORMATION.
Customer Answer
Date: 04/08/2025
Im confused? I made this complaint not a third party.
Business Response
Date: 04/10/2025
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: 04/10/2025

Complaint: 23177669

I am rejecting this response because:
You have not provided me any documentation. If you cannot provide any documentation of a contract then I demand this account be removed from my credit report.

Sincerely,

**** ******
Business Response
Date: 04/14/2025
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.
Initial Complaint
Date:04/07/2025
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 South Pointe Landing Apartments, I do not have a contract with NATIONAL CREDIT SYSTEMS **** they did not provide me with the original contract.
Customer Answer
Date: 04/07/2025
This was filed by myself (******* *****).
Business Response
Date: 04/09/2025
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 ******************** Apartments. This debt did not originate with our organization, nor do we have permission from South Pointe Landing 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: 04/09/2025

Complaint: 23169907

I am rejecting this response because: Im going to get rid of this debt. This is ridiculous.

-Savanna
Initial Complaint
Date:04/07/2025
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 AM NOT LIABLE FOR THIS DEBT WITH " ORIGINAL CREDITOR INFO "I DO NOT HAVE AN ACCOUNT WITH " COLLECTION AGENCY'S INFO " THEY DID NOT PROVIDE ME WITH ORIGINAL CONTRACT AS REQUESTED."
Customer Answer
Date: 04/08/2025
It was me not a third party
Business Response
Date: 04/10/2025
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: 04/10/2025

Complaint: 23166811

I am rejecting this response because:under law 15usc1681eb

Sincerely,

****** *****
Business Response
Date: 04/14/2025
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: 04/14/2025

Complaint: 23166811

I am rejecting this response because:
Under law 15usc1681eb
Sincerely,

****** *****
Initial Complaint
Date:04/07/2025
Type:Order Issues
Status:
ResolvedMore 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 SYSTEM. they did not provide me with the original contract as i requested
Customer Answer
Date: 04/07/2025
Yes this was me who filed the claim
Business Response
Date: 04/09/2025
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: 04/11/2025

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:04/03/2025
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.
Hello,I have disputed this charge and it is still showing on my credit report. I did not have any contracts, I did not sign anything, nor did I allow this collection agency to put this on my credit report. I don't even know who they are. I would like it removed immediately.Thank you for your assistance in this matter,***** ****
Customer Answer
Date: 04/03/2025
Hello,
I have written this complaint myself. I did submit another complaint as I had more than one collection agency list inaccurate information.
Please let me know if you require anything further from me.
Thank you,
***** ****
Business Response
Date: 04/07/2025
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:04/03/2025
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 Icon Apartments, I do not have a contract with National Credit Systems, they did not provide me with the original contract as requested.
Customer Answer
Date: 04/03/2025
I created the complaint, there was no third party involved
Business Response
Date: 04/08/2025
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.

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