CFPB Consumer Complaint Profile
National Business Factors
Behind the 234 CFPB complaints on file for this company is a data trail showing how it typically handles credit, billing and collection disputes.
Data updated 2026-05-15
- 234
- Total complaints
- 43
- Last 12 months
- 99.1%
- Timely response
- 19
- States affected
The verdict
Out of 3,848 financial companies in the CFPB database, National Business Factors has accumulated 234 complaints, placing it #818 by volume. It answers 99.1% of complaints on time - above the 93% median for companies with 100+ complaints.
- #818
- of 3,848 companies by volume
- 99.1%
- answered on time
- Debt collection
- most-complained product
- 19
- states with complaints
Percent of CFPB complaints answered within the regulator's expected window. Industry benchmark sits at 95%.
Reading this profile
Complaints by Product
Top Issues
Complaints by Year
| Year | Complaints |
|---|---|
| 2014 | 10 |
| 2015 | 14 |
| 2016 | 7 |
| 2017 | 6 |
| 2018 | 14 |
| 2019 | 7 |
| 2020 | 21 |
| 2021 | 38 |
| 2022 | 9 |
| 2023 | 14 |
| 2024 | 32 |
| 2025 | 50 |
| 2026 | 12 |
Complaints by State (Top 15)
Company Responses
What the CFPB Complaint Record Shows for National Business Factors
National Business Factors carries 234 complaints in the CFPB's database, 43 of them filed within the past 12 months. Consumers spanning 19 states and territories have weighed in, giving this a multi-regional footprint. The single largest complaint category is "Debt collection," which consistently leads the product-level breakdown and signals where consumer friction is most acute. The specific issue named most within that category is "Attempts to collect debt not owed," a reasonable starting point for understanding recurring friction.
National Business Factors's timely response rate stands at 99.1%, meaning that share of CFPB-forwarded complaints received a company reply within the 15-day window the Bureau expects. That is at or above benchmark levels, a sign the company handles intake and escalation well. Consumers formally disputed the company's response in 12.1% of resolved cases, a signal of how often the initial resolution failed to satisfy the complainant. Among resolved complaints, 0.9% closed with the consumer receiving monetary or non-monetary relief.
How to read complaint counts
Complaint counts alone do not tell the full story, larger institutions with more customers will naturally generate more complaints in absolute terms. The more informative signals are the direction of the yearly trend shown above, the state-level concentration (which hints at regional servicing issues or regulatory exposure), and the ratio of monetary-relief closures to closed-without-relief outcomes. Taken together, these fields give consumers a reasonable empirical basis for deciding whether to escalate a dispute, and give researchers a starting point for investigating institutional patterns.
Educational data summary, not financial or legal advice. Individual complaint outcomes vary. Consumers should consult a qualified attorney or financial advisor for guidance on a specific dispute.
Frequently Asked Questions
How many CFPB complaints does National Business Factors have?
234 complaints have been filed against National Business Factors with the CFPB overall - 43 of them in the past year.
Does National Business Factors respond to complaints on time?
99.1% of the CFPB complaints against National Business Factors get a response within the expected window. This is considered excellent.
What product generates the most complaints for National Business Factors?
Among all products tied to National Business Factors, "Debt collection" accounts for the largest share of complaints (full breakdown above).
What is the most common complaint issue with National Business Factors?
The most common issue reported by consumers about National Business Factors is "Attempts to collect debt not owed." All complaint issues are listed above with their counts.
How do I file a complaint against National Business Factors?
You can file a complaint against National Business Factors directly with the CFPB at consumerfinance.gov/complaint. The CFPB will forward your complaint to the company and work to get you a response, typically within 15 days.
In how many states have consumers complained about National Business Factors?
The CFPB has recorded complaints against National Business Factors from 19 separate states and territories, including jurisdictions beyond the 52 with a dedicated state page here - Guam, the U.S. Virgin Islands, and APO/FPO military postal codes among them.
Similar Companies
Matched by complaint volume nationwide and by product category - a different peer set than the sibling-portal links below.
Similar complaint volume (~234)
Source: CFPB Consumer Complaint Database CFPB Consumer Complaint Database Data through March 2026
Read our methodology - how this data is sourced, computed, and verified.