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

2,942 total complaints in the last 3 years.
988 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:04/17/2025
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 requested.
Customer Answer
Date: 04/17/2025
I did not request a third party to file this. I filed this myself ****** Real was the person who filled out this request.
Business Response
Date: 04/21/2025
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: 04/21/2025

Complaint: 23217487

I am rejecting this response because:

Sincerely,

Thayla Real
Business Response
Date: 04/22/2025
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: 04/22/2025

Complaint: 23217487

I am rejecting this response because: the burden of proof falls on the collection agency not the consumer (me)... I find it concerning that the agency Nation Credit ********** is not complying with legal requests. I request the agency to provide proof they sent debt validation, as is my legal right. if National Credit System *** cannot provide proof, I demand this account be removed from my credit report as is my right per FCRA section 623.(a)(i). This is my last request before I file a formal complaint with the **** and FTC.

Sincerely,

Thayla Real
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:04/15/2025
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'm not liable for this debt with ******************* 6-8 APTS. I do not have a contract with *************************** They did not provide me with the original contract as requested.
Customer Answer
Date: 04/17/2025
I am filing the complaint on my own behalf. The wording is specifically what I chose to send as it is what is accurate and clarifies my complaint.
Business Response
Date: 04/18/2025
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: 04/18/2025

Complaint: 23209427

I am rejecting this response because:
I am filing this complaint on my own behalf. I chose the wording because it is accurate and clarifies the reason for my complaint.

Sincerely,

********* *****
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 Lake Sherwood Phases 6-8 Apartments. This debt did not originate with our organization, nor do we have permission from Lake Sherwood Phases 6-8 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:04/15/2025
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 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 I requested.
Customer Answer
Date: 04/15/2025
I have no knowledge of the National credit System account, I never signed a contract or was presented a contract with this company or the company theyre representing. Ive tried several attempts to get this document with no success, with each attempt National Credit System neglects to provide me with the information requested. Also, theres no 3rd party Im filing this claim independently.
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: 23207464

I am rejecting this response because: Ive requested proof of documents and or a contract that has my social security number or driver license number verifying my identity and authentication of a contract. I havent received a response. National Credit System, accepted a file without a legitimate proof of ownership. My rights are being violated. I have no knowledge of this account, the collection is an error on my credit report and Im requesting the debt be removed from all three credit bureaus.

Sincerely,

******* ****
Business Response
Date: 04/18/2025
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 The ***********************. This debt did not originate with our organization, nor do we have permission from The ****** 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:04/15/2025
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.
This letter is being sent to you in response to a collection notice I received regarding the above-referenced account. I do not acknowledge or accept any responsibility for this alleged debt and, under my rights provided by the Fair Debt Collection Practices Act (FDCPA), 15 U.S. Code 1692g(b), I am requesting that you provide full validation of this debt.Please treat this letter as a formal dispute and a request for debt validation. Until you provide proper verification of the debt, you are required to cease all collection efforts, including reporting the debt to any credit reporting agency.Please provide the following:1.The amount of the debt and a full itemized accounting of how it was calculated.2.The name and address of the original creditor, including any original account *********** copy of the original signed contract or agreement that legally binds me to this debt.4.Proof that you are legally authorized to collect this debt in my state.5.A complete payment history, starting from the original creditor, showing that the debt is accurate and collectible.6.A copy of your state license (if required by law) to collect debts in [Your State].Be advised that any attempt to collect on this alleged debt without validating it is a violation of the ****** Also, if you have reported this debt to any credit bureau, you are required to mark it as disputed until it is validated.If you cannot provide these documents, you must cease collection activity and remove any related information from all credit reporting agencies.This letter is sent with the full reservation of rights and is not an acknowledgment or acceptance of any debt.Please respond within 30 days of receipt of this letter. Send all correspondence to the mailing address listed above.COLLECTION ACCOUNT:EXPERIAN/EQUIFAX/TRANSUNION:Creditors Name: NATLCRSYS Account Number: ******* Account Opened: 03/26/2019 Balance: $2,991
Business Response
Date: 04/18/2025
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.
Initial Complaint
Date:04/14/2025
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 CORTLAND DELRAY STATION ****, 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: 04/14/2025
Hello BBB,
I apologize for the multiple submission for the this complaint. I submitted the first complaint with the wrong address for the collection agency so I resubmitted with the correct address to provide the correct information.
There's no 3rd party or anyone else involved with the submission of this complaint. All information submitted was done by me.
Sincerely,
******* J *******
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: 23203227

I am rejecting this response because: National Credit Systems, Inc. has not provided me with a signed contract. They are the ones seeking payment but I need a signed contract from them invoicing me for the amount they want to collect. Per the **** 623(a)(5): If the Credit Bureau cannot VALIDATE the information with the ORIGINAL CREDITOR, they must remove said information from the consumer credit file. Furthermore, per the Federal Credit Reporting Act, Section 609(a)(1)(a), you are required by federal law to verify through physical verification of the original signed consumer contract and/or judgment(s) all accounts and public information that you post on anyones credit report. Otherwise, anyone paying for your reporting services could fax, mail, email in fraudulent and erroneous account information. As such, if this unauthorized public record information is not deleted from my credit report within the next 30 days, I will be filing a complaint to the ************************, *************************************
Sincerely,

******* *******
Business Response
Date: 04/18/2025
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: 04/18/2025

Complaint: 23203227

I am rejecting this response because: I would like to reiterate, as per the Federal Credit Reporting Act, Section 609(a)(1)(a), you are required by federal law to verify through physical verification of the original signed consumer contract and/or judgment(s) all accounts and public information that you post on anyones credit report. Please provide me with a signed contract so we can move forward. I do not make up the laws, so please obey the law and respond with a signed contract as stated in **** Section 609.a.1.a.

Sincerely,

******* *******
Initial Complaint
Date:04/14/2025
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.
Im not liable for this debt with The Summit At Ridgewood Apts. 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: 04/15/2025
I filed the complaint on my own behalf. Thank you.
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.
Initial Complaint
Date:04/12/2025
Type:Billing Issues
Status:
UnresolvedMore 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.
A new management company took over the apartments I was living at. I was there for a year and a half. I paid the security petdeposit and I paid my pet deposit monthly when the new management company took over. They told me I had *********************************************************************************************** breaking my lease. I turned in my emotional support animal certificate letter on my animal showed them proof that I paid the security deposit when I first movedin and I paid the monthly pet fee every single month, but they were saying that that I was in breach of my lease because my dog was not added to the lease. To which I replied, they cannot fault me for an ex employees mistake. I submitted all the documentation they needed a picture of my dog all of her thatrecords, her emotional support animal certification letter and two days later they called me and said because she not approved by management because she was a Rottweiler although in Ga with *** they arent allowed to discriminate based off breed and 2 hours later they put my lease on my door, telling me that I had to move out in 30 days. A few months later this company/collection agency sent me a letter stating I owed $1586 and I responded thats not correct and I provided proof of my payment showing that I did pay that amount. I never heard back and now that Im trying to find a better place to live I keep getting denied due to unpaid rental collection on my credit report. This company reported this to my credit at double the original price. It was already the final bill when they sent me the original collection letter so how can a bill that was paid and was a final bill from me moving out double in price? I have been fighting to get this off of my credit report and no matter how many times I dispute this they wont take it off of my credit report. Its hindering me trying to find a place to live. Im a single mother trying to take care of two kids alone and keep getting screwed over
Customer Answer
Date: 04/12/2025
I dont understand this and have no idea who a 3rd party would be. I authorize you or any third party of your choosing to file this complaint. I want something done about this company falsely information and for confirming everything is accurate when I am disputing this off my credit report. Please help me to clarify if I need to do something further or if you can do this for me on my behalf with my authorization:
BBB
************************************************************************
Alpharetta, GA 30022
Phone: ************
Fax: ************
Email: *************************************************************************
URL: *********************************************************************************************************************************
Business Response
Date: 04/15/2025
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: 04/15/2025

Complaint: 23196691

I am rejecting this response because:
I have aleady disputed this with your company when its first posted to my credit, I also provided proof of payment on the original credit letter, and I heard nothing back after I supplied the proof of payment only to receive a new letter where you guys have somehow doubled the amount. This is absolutely incorrect. Since your company didnt wanna respond to my original proof of payment and double charged me I feel like you should be penalized. This is corruption you are falsely accusing me and putting on my credit report that I have unpaid rental collections, which is affecting where I live I am a single mother and I cannot have any collections on my account so we can find a place to live since we were wrongfully evicted from our home there to begin with. I have been disputing this off of my credit with all credit Bureaus and your company keeps replying that the balance is true and accurate, which is a lie. That apartment complex terminated my lease unexpectedly gave me 30 days to find a place and move out. I paid them in full before leaving so I dont see how you can send me a collection letter from your company to start with a total being around $1586 and then when I provided proof of payment I heard nothing back for months and then all of a sudden you have my account showing I owe over $2900. How can you multiple, increase, or change the original amount to begin with and Im sick of companies taking advantage of people like me and falsifying information.
Sincerely,

***** **********
Initial Complaint
Date:04/11/2025
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 writing to formally dispute a debt that has been reported to my credit file under my name. The account in question is ******* and was reported to the credit bureaus. this debt is not mines and I am not responsible for this debt. Additionally, I request that you investigate this matter and remove any negative information related to this debt from my credit report. Because this is falsely reported and I am not responsible.
Customer Answer
Date: 04/11/2025
Im have not reached out to a third party

Business Response
Date: 04/15/2025
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: 04/15/2025

Complaint: 23190447

I am rejecting this response because: I do not owe the decas group the housing authority of Birmingham does and it says so in this letter who was paying the decas group and it was not me. Decas group failed housing inspection not once but twice so they stopped payments not me. After the failed inspection i had to move immediately. Remove this debt immediately from all three credit bureaus because this is not my debt.

Sincerely,

******* *******
Business Response
Date: 04/17/2025
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: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.

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Complaints

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