CFPB Consumer Complaint Profile
National Commercial Services, Inc
202 CFPB complaints trace a pattern in how this company responds when customers push back on credit, billing, or collection problems.
Data updated 2026-05-15
- 202
- Total complaints
- 39
- Last 12 months
- 97%
- Timely response
- 36
- States affected
The verdict
202 CFPB complaints put National Commercial Services, Inc at #924 out of 3,848 financial companies ranked by complaint volume. It answers 97% of complaints on time - above the 93% median for companies with 100+ complaints.
- #924
- of 3,848 companies by volume
- 97%
- answered on time
- Debt collection
- most-complained product
- 36
- 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 |
|---|---|
| 2013 | 4 |
| 2014 | 12 |
| 2015 | 12 |
| 2016 | 16 |
| 2017 | 11 |
| 2018 | 19 |
| 2019 | 17 |
| 2020 | 8 |
| 2021 | 8 |
| 2022 | 12 |
| 2023 | 14 |
| 2024 | 23 |
| 2025 | 41 |
| 2026 | 5 |
Complaints by State (Top 15)
Company Responses
What the CFPB Complaint Record Shows for National Commercial Services, Inc
202 complaints against National Commercial Services, Inc appear in the CFPB record, including 39 from the trailing year. The 36 states and territories represented put this footprint in multi-regional territory. "Debt collection" tops the product-level breakdown by a clear margin, marking it as the area of greatest consumer friction. The specific issue named most within that category is "Attempts to collect debt not owed," a reasonable starting point for understanding recurring friction.
97% of CFPB-forwarded complaints against National Commercial Services, Inc get a reply inside the Bureau's 15-day window. That figure is at or above the industry benchmark and suggests the company's intake and escalation processes are functioning as designed. In 26.1% of resolved cases, the consumer formally disputed the company's response - a rough measure of how often the first resolution missed the mark. Of complaints that were resolved, 15.3% closed with some form of monetary or non-monetary relief to the consumer.
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 Commercial Services, Inc have?
National Commercial Services, Inc has 202 total consumer complaints filed with the CFPB, with 39 filed in the last 12 months.
Does National Commercial Services, Inc respond to complaints on time?
97% of the CFPB complaints against National Commercial Services, Inc get a response within the expected window. That puts it among the more responsive companies in the CFPB dataset.
What product generates the most complaints for National Commercial Services, Inc?
Among all products tied to National Commercial Services, Inc, "Debt collection" accounts for the largest share of complaints (full breakdown above).
What is the most common complaint issue with National Commercial Services, Inc?
"Attempts to collect debt not owed" is the single most frequently cited issue in complaints against National Commercial Services, Inc - see all issues and counts above.
How do I file a complaint against National Commercial Services, Inc?
You can file a complaint against National Commercial Services, Inc 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 Commercial Services, Inc?
National Commercial Services, Inc has drawn CFPB complaints from 36 states and territories. That figure covers the 50 states, DC, Puerto Rico, and smaller CFPB-tracked jurisdictions (Guam, the U.S. Virgin Islands, military postal codes), so it can run higher than the 52 states/territories with a dedicated page on this site.
Similar Companies
Matched by complaint volume nationwide and by product category - a different peer set than the sibling-portal links below.
Similar complaint volume (~202)
Source: CFPB Consumer Complaint Database CFPB Consumer Complaint Database Data through March 2026
Read our methodology - how this data is sourced, computed, and verified.