National Credit Adjusters, LLC
Sourced from the CFPB Consumer Complaint Database.
Debt Collector, CFPB Complaint Profile Specializes in: Payday loan debt
Debt Collection Complaint Breakdown
Top Complaint Issues
Company Responses
Most consumers facing collection complaints carry utilization in the Fair-Poor band. FICO bands per myFICO + Experian guidance.
FICO impact ranges synthesize myFICO + Experian + Equifax consumer-education materials. Individual results vary.
Complaints by Year
| Year | Complaints |
|---|---|
| 2013 | 36 |
| 2014 | 141 |
| 2015 | 153 |
| 2016 | 143 |
| 2017 | 169 |
| 2018 | 210 |
| 2019 | 201 |
| 2020 | 698 |
| 2021 | 1,157 |
| 2022 | 725 |
| 2023 | 938 |
| 2024 | 1,567 |
| 2025 | 2,395 |
| 2026 | 992 |
Complaints by State (Top 15)
Other Complaint Types
Your Rights with Debt Collectors
The Fair Debt Collection Practices Act (FDCPA) protects you from abusive, unfair, and deceptive collection practices.
- Request written verification of any debt within 30 days of first contact
- Dispute a debt if you believe it is incorrect or does not belong to you
- Demand the collector stop contacting you (in writing)
- File a complaint with the CFPB at consumerfinance.gov/complaint
What the CFPB Record Shows for National Credit Adjusters, LLC
National Credit Adjusters, LLC has 6,914 debt-collection complaints on file with the CFPB, which represents 72.6% of the 9,525 total complaints the Bureau has received about this entity. Reports have originated from consumers in 54 states and territories, making this a nationwide collection operation as measured by complaint volume. Consumers most frequently describe "Payday loan debt" as the debt type behind their complaint about this collector. The single most-cited specific issue is "Attempts to collect debt not owed" - a useful starting point for understanding where the friction between this collector and consumers most frequently occurs.
98.7% of CFPB-forwarded complaints against this company get a reply inside the Bureau's 15-day window. That is at or above benchmark levels, pointing to an intake process working as intended. Among resolved cases, 0% ended with monetary or non-monetary relief to the consumer - a notably low rate worth weighing against the dispute percentage. In 13.4% of resolved cases, the consumer formally disputed the response - a rough measure of how often the first resolution missed the mark.
How to read these numbers, and what to do if you're disputing a charge
Complaint volume alone does not prove wrongdoing, larger collection portfolios naturally produce more complaints, but the combination of timely-response rate, relief ratio, and dispute rate above gives a reasonable empirical picture of how this collector handles consumer interactions. Anyone in active dispute with this company should keep written records, use certified mail for verification requests (see your FDCPA rights above), and consider filing a CFPB complaint if standard resolution channels stall.
Educational data summary, not financial or legal advice. Individual complaint outcomes vary. Consumers with an active dispute should consult a qualified consumer-protection attorney.
Frequently Asked Questions
How many debt collection complaints does National Credit Adjusters, LLC have?
The CFPB has logged 6,914 debt-collection complaints against National Credit Adjusters, LLC, 72.6% of all complaints filed against this company.
Does National Credit Adjusters, LLC respond to complaints on time?
National Credit Adjusters, LLC has a 98.7% timely response rate. That is a strong response record by CFPB standards.
Does National Credit Adjusters, LLC provide relief to consumers?
0% of resolved complaints against National Credit Adjusters, LLC were closed with some form of consumer relief (monetary or non-monetary).
What type of debt does National Credit Adjusters, LLC primarily collect?
"Payday loan debt" is the debt type National Credit Adjusters, LLC is most associated with in CFPB complaint data - see the full breakdown above.
What rights do I have against National Credit Adjusters, LLC?
Under the Fair Debt Collection Practices Act (FDCPA), you can request written debt verification within 30 days, dispute debts you believe are incorrect, demand the collector stop contacting you in writing, and file a complaint with the CFPB at consumerfinance.gov/complaint.
In how many states is National Credit Adjusters, LLC active?
Consumers in 54 states and territories have filed CFPB complaints against National Credit Adjusters, LLC.
Source: Consumer Financial Protection Bureau Consumer Complaint Database · Q1 2026 Complaints filed against firms, not individuals. Data through March 2026.
Disclaimer: This information is provided for informational purposes only and does not constitute professional advice. Data is sourced from the CFPB Consumer Complaint Database. Consult a qualified professional before making decisions based on this data.
Read our methodology - how this data is sourced, computed, and verified.