We use cookies to give users the best content and online experience. By clicking “Accept All Cookies”, you agree to allow us to use all cookies. Visit our Privacy Policy to learn more.

Manage Cookies
Resources for Businesses My BBB
Share
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

Find a Location

National Credit Systems, Inc. has 4 locations, listed below.

*This company may be headquartered in or have additional locations in another country. Please click on the country abbreviation in the search box below to change to a different country location.

    Please enter a valid location.

    Customer Complaints Summary

    • 2,942 total complaints in the last 3 years.
    • 967 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:12/03/2023

      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 ***************************. I do not have a contract with NATIONAL CREDIT SYSTEMS **** And when I requested they provide me with original contract, they failed to provide.

      Business Response

      Date: 12/06/2023

      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:12/03/2023

      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 System I do not have a contract with National Credit System. They did not provide me with the original contract as I requested.

      Business Response

      Date: 12/06/2023

      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:12/02/2023

      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 09 BELLFORT I APTS, I do not have a contract with National Credit Systems LLC, they did not provide me with the original contract as I requested.

      Business Response

      Date: 12/06/2023

      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:12/02/2023

      Type:Order 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 do not have a contract with the original creditor. I do not have a contract with the debt collector when requested, it was never provided

      Business Response

      Date: 12/06/2023

      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: 12/06/2023

       
      Complaint: 20949512

      I am rejecting this response because: I have never lived at this property. Please provide me with a signed contract. I never gave my information to the original company or your collection agency. Please delete this from my credit profile immediately. 
      Sincerely,

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

      Business Response

      Date: 12/08/2023

      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: 12/08/2023

       
      Complaint: 20949512

      I am rejecting this response because: I have reached out to you all on numerous occasions. I have attached my very last letter to you all. I never received a response. Please review this account and delete from my credit profile immediately. 

      Sincerely,

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

      Customer Answer

      Date: 12/11/2023

      Good evening,


      I have attached a dispute letter and an attempt to get this matter resolved through the credit bureaus as well. The collection agency has not produced any contract from the original creditors nor themselves. I am asking that this be removed from my credit profile. 

      Thank you,

      Business Response

      Date: 12/16/2023

      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 Ms.**** from liability for this debt.
       
      Ms.**** has disputed her debt and NCS, as required by law, has submitted her dispute to the CRAs. We have conducted an investigation of Ms.***** dispute and our client confirmed that the charges accessed to her were accurate.  The outcome of our investigation will be mailed to Ms.*****
       
      In addition, I am enclosing the documentation NCS received from ************************ supporting the charges that they accessed to Ms.*****
       
      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: 12/18/2023

       
      Complaint: 20949512

      I am rejecting this response because: I spoke with ************************* a representative at ************************, phone number **************. who confirmed that I am not in their datebase. Please provide a copy of the contract to suffice your information to this debt. 
      Sincerely,

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

      Business Response

      Date: 12/29/2023

      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 Ms.**** from liability for this debt.
       
      Ms.*********; has disputed her debt and NCS, as required by law, has submitted her dispute to the CRAs. We are currently investigating this claim, once we receive a response we will forward the outcome to of Ms.**** via email.
      In addition, I am enclosing the documentation NCS received from ************************ supporting the charges that they accessed to Ms.*****

      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:12/02/2023

      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 Harbor Walk Apt. I do not have a contract with National Credit Systems.They did not provide we with the original contract as requested.

      Business Response

      Date: 12/06/2023

      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: 12/06/2023

       
      Complaint: 20948980

      I am rejecting this response because: I do not have a contract with your company and I have received anything even showing why I owe this money and I am responsible for this debt nor do I owe anything to Harbor Walk I demand this be taken off my credit.  

      Sincerely,

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

      Business Response

      Date: 12/08/2023

      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: 12/08/2023

       
      Complaint: 20948980

      I am rejecting this response because:
      I do not have a contract with National Credit systems.  I have never received anything stating what those charges are.  I dont owe Harbor Walk anything.  Does your company usually just put things on someones credit without letting the person know what it is from.  

      Sincerely,

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

    • Initial Complaint

      Date:12/02/2023

      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 the "defenders" I do not have a contract with National Credit Systems. They did not provide me with the original contract as I required.

      Business Response

      Date: 12/06/2023

      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:12/01/2023

      Type:Product 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 want to settle this debt, but they are refusing to settle

      Business Response

      Date: 12/02/2023

      NCS has investigated this consumers complaint.  During this process, we review our system notes along with call recordings that *** have been associated with this issue.  Additionally, if necessary, we will discuss the matter with any employee who *** have communicated with the consumer.  In this instance, we performed our investigation and believe our company acted appropriately.  It appears that the consumer has mischaracterized this issue and the complaint is unwarranted.

    • Initial Complaint

      Date:11/30/2023

      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 09 PRNCT *** APTS. I do not have a contract with the collection agency NATIONAL CREDIT SYSTEMS, they did not provide me with the original contract as I requested.

      Business Response

      Date: 12/02/2023

      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:11/30/2023

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

      Business Response

      Date: 12/02/2023

      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: 12/02/2023

       
      Complaint: 20940528

      I am rejecting this response because:
      The criteria in the rent agreement stated that the monthly rent could not exceed the clients income of 33% or more. The clients income was $160. The apartment lease was provided under faulty substances . 
      Sincerely,

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

      Business Response

      Date: 12/16/2023

      NCS has investigated this consumers complaint.  During this process, we review our system notes along with call recordings that *** have been associated with this issue.  Additionally, if necessary, we will discuss the matter with any employee who *** have communicated with the consumer.  In this instance, we performed our investigation and believe our company acted appropriately.  It appears that the consumer has mischaracterized this issue and the complaint is unwarranted.

    • Initial Complaint

      Date:11/30/2023

      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.
      Im not liable for this debt with District Flats Apts. I do not have a contract with National Credit Systems. They did provide me with the original contract as requested.

      Business Response

      Date: 12/02/2023

      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.

    Why choose a BBB Accredited Business?

    BBB Business Profiles may not be reproduced for sales or promotional purposes.

    BBB Business Profiles are provided solely to assist you in exercising your own best judgment. BBB asks third parties who publish complaints, reviews and/or responses on this website to affirm that the information provided is accurate. However, BBB does not verify the accuracy of information provided by third parties, and does not guarantee the accuracy of any information in Business Profiles.

    When considering complaint information, please take into account the company's size and volume of transactions, and understand that the nature of complaints and a firm's responses to them are often more important than the number of complaints.

    BBB Business Profiles generally cover a three-year reporting period. BBB Business Profiles are subject to change at any time. If you choose to do business with this business, please let the business know that you contacted BBB for a BBB Business Profile.

    As a matter of policy, BBB does not endorse any product, service or business. Businesses are under no obligation to seek BBB accreditation, and some businesses are not accredited because they have not sought BBB accreditation. BBB charges a fee for BBB Accreditation. This fee supports BBB's efforts to fulfill its mission of advancing marketplace trust.