National Credit Services, Inc.
A federal complaint-record lookup, not a rating from us.
Debt Collector, CFPB Complaint Profile Specializes in: Federal student loan debt
CFPB collection forwarding receipt
Forwarded record DC-NATIONAL-CREDIT-SE National Credit Services, Inc.
62 DC complaints · rank #655/656 · 95.5% timely
- DC 62
- RANK #655/656
- TIMELY 95.5%
- RELIEF 35.7%
- DISPUTE 19%
- STATES 30
- ISSUE Dealing with your lender or…
- RESP Closed with explanation
- PHOTO Merchants Acceptance Corp
Photo peer: Merchants Acceptance Corp (62)
National Credit Services, Inc.'s 62 debt-collection complaints sit next to Merchants Acceptance Corp (62) on the volume neighbourhood; peer NAMES stay, and the receipt VALUES are this collector's. Full complaint profile for National Credit Services, I… →
Debt Collection Complaint Breakdown
Top Complaint Issues
Company Responses
Complaints by Year
| Year | Complaints |
|---|---|
| 2013 | 2 |
| 2014 | 7 |
| 2015 | 3 |
| 2016 | 7 |
| 2017 | 8 |
| 2018 | 22 |
| 2019 | 36 |
| 2020 | 21 |
| 2021 | 5 |
| 2022 | 1 |
Complaints by State (Top 15)
What the CFPB Record Shows for National Credit Services, Inc.
PlainCredit places National Credit Services, Inc. at #655 of 656 debt collectors by CFPB debt-collection complaint volume (1st percentile), matching the Collectors directory ranking. The CFPB has logged 62 debt-collection complaints against National Credit Services, Inc., 55.4% of the 112 complaints filed against this entity overall. Consumers in 30 states and territories have filed reports, putting this collection operation in multi-state territory by complaint volume. Consumers most frequently describe "Federal student loan debt" as the debt type behind their complaint about this collector. The single most-cited specific issue is "Dealing with your lender or servicer" - a useful starting point for understanding where the friction between this collector and consumers most frequently occurs.
95.5% of CFPB-forwarded complaints against this company get a reply inside the Bureau's 15-day window. That figure meets the industry benchmark and indicates an intake process that is functioning on schedule. 35.7% of resolved cases against this company closed with some form of consumer relief, a relatively high ratio for the debt-collection segment. Consumers formally disputed the company's response in 19% of resolved cases, signalling how often the initial resolution failed to satisfy the complainant.
Educational data summary, not financial or legal advice. Individual complaint outcomes vary. Consumers with an active dispute should consult a qualified consumer-protection attorney.
Full complaint profile for National Credit Services, Inc. → · All debt collectors →
Nationwide collectors with similar complaint volume or dispute rates
Two CFPB peer sets for National Credit Services, Inc.: nearest debt collectors by debt-collection complaint volume and by the share of complaints consumers mark as disputed. These are cross-firm neighborhoods, not the volume strip on the forwarding receipt above.
Similar complaint volume
Nearest collectors by debt-collection complaint count (62 here).
Similar dispute rates
Nearest collectors by share of complaints marked disputed (19% here).
Frequently asked questions
How many CFPB debt-collection complaints does National Credit Services, Inc. have?
The CFPB extract lists 62 debt-collection complaints against National Credit Services, Inc. (#655 of 656 collectors by volume).
Does National Credit Services, Inc. respond to CFPB complaints on time?
The timely-response rate for National Credit Services, Inc. in this extract is 95.5%.
What issue do consumers cite most about National Credit Services, Inc.?
The most-cited issue in complaints about National Credit Services, Inc. is "Dealing with your lender or servicer."
How should I read National Credit Services, Inc.'s CFPB complaint record?
National Credit Services, Inc.'s profile is a CFPB data extract for research. For rights and filing mechanics, use the debt-collection rights and how-to-file-CFPB-complaint guides on this site.
Related guides: Debt collection rights · How to file a CFPB complaint · Reading CFPB complaint data
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.