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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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National Credit Adjusters, LLC has 2 locations, listed below.

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    Customer Complaints Summary

    • 1,084 total complaints in the last 3 years.
    • 279 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:03/26/2025

      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 llc. 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: 03/28/2025

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

      the debt has been validated

    • Initial Complaint

      Date:03/25/2025

      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 have been trying to reach this business because someone opened up an account in my name without my consent and I wanna get in touch with the business to know who did it, why , and where but they have yet to respond to any of my calls or messages, it is very hard to reach them, I want this item off of my credit its hurting me badly in succeeding in life please send me a copy of my contract

      Business Response

      Date: 03/28/2025

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

      the debt has been validated

    • Initial Complaint

      Date:03/20/2025

      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 requested.

      Business Response

      Date: 03/28/2025

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

      the debt has been validated

    • Initial Complaint

      Date:03/20/2025

      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 honestly don’t get why NATIONAL CREDIT ADJUST is reporting this debt under my name because I don’t owe them anything. I never signed anything with them, and when I asked for a copy of the original application, they didn’t even bother to provide it. It’s frustrating because this is hurting my credit for no reason, and it’s just not fair. How can they just put something on my report without any proof? Account No: *************  Amount Disputed: ****

      Business Response

      Date: 03/28/2025

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

      The debt has been validated

    • Initial Complaint

      Date:03/08/2025

      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.
      This business National Credit has been reporting to the credit bureaus regarding acc* ******* *** ******** I have disputed all and any know connections to this collection company but the debt remains without the collection company providing any form of validation of the debt to me or the credit bureaus. on previous attempts to dispute the debts the credit bureaus didn't require the collection company to provide any form of documented proof of validation for he debt in which I will be filing a separate compliant regarding the credit bureaus. I am asking the following below from NCA or remove debt from credit report immediately. 1. The amount of orginal debt. 2. The name of the original creditor to whom the debt is owed. 3. Verification/ validation of debt and copy of orginal contract of debt with my written signature that I guaranteed I would pay the debt to original creditor and to your collection company. 4. Please send copy of debt assignment letter and data showing chain of title for your collection company to be able to collect on this debt. 5. Please advise and provide document if any insurance claim was filed and or collected on this debt by the original creditor and/or if original creditor received credit or compensation for writing off debt on taxes or for the sale of debt to collectors.

      Business Response

      Date: 03/28/2025

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

      THE DEBT  BEEN VALIDATED

    • Initial Complaint

      Date:12/30/2024

      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 NCA. I do not have a contract with national credit adjusters. They did not provide me with the original contract as requested.

      Customer Answer

      Date: 12/31/2024

      The debt owed is not my or have any knowledge of it

      the debt has been validated

      Business Response

      Date: 01/02/2025

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

      the debt has been validated

    • Initial Complaint

      Date:11/15/2024

      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 not liable for this debt with **** *****. I do not have a conract with NCA (NATIONAL CREDIT ADJUSTERS, L.L.C). They DID NOT provide me with the original contract as I requested

      Business Response

      Date: 11/27/2024

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

      Customer Answer

      Date: 11/27/2024

       
      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:09/28/2024

      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 accepted settlement option 3 which meant I would save $248.54 and pay monthly payments of $48.31. The original amount due was $828.25. To accept this, I had to log into their website and pay $48.31 by 3/31/2023 which I did. To confirm everything was in place, I called their customer office. A representative said everything was in place, but also informed me of a second account. She asked if I would like to settle that too. We agreed to increase my monthly payment to $70 per month with it going to the first account then to the second once I paid the total settlement amount of $579.72. I asked for reassurance that I would still save $248.54 which she said yes. We moved forward with this arrangement; however, National Credit Adjusters is not upholding their end of the agreement. I filed two disputes with Transunion and have even called National Credit Adjusters where they confirmed they received all payments. They told me they would call me back once a manager looks at it, but never did. They are now sending me notices to settle the amount that I was supposed to save per the agreement.

      Business Response

      Date: 10/09/2024

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

      The debt has been validated

      Customer Answer

      Date: 10/09/2024

       
      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:08/07/2024

      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, they did not provide me with original contract as I requested.

      Customer Answer

      Date: 08/07/2024

      I do not have a signed contract with the collection agency National Credit Adjusters, LLC. I have requested that but did not receive any responses. I would like proof that I owe them something . It is my right to have a signed contract of any obligations. If they do not provide my signed contract to them please remove this from my credit report. 

      Business Response

      Date: 08/14/2024

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

      the debt has been validated

    • Initial Complaint

      Date:08/03/2024

      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'm not liable for the debt with 01 ********** I do not have a contract with National Credit Adjusters they did not provide me with the original contract as I requested.

      Customer Answer

      Date: 08/05/2024

      I do not have a written or sign contract with national credit adjusters. I want this remove from my credit report.  That is the reason I am filling a complaint.  

      Business Response

      Date: 08/14/2024

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

    National Credit Adjusters, LLC is BBB Accredited.

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