CFPB Consumer Complaint Profile
National Credit Adjusters, LLC
Behind the 9,525 CFPB complaints on file for this company is a data trail showing how it typically handles credit, billing and collection disputes.
Data updated 2026-08-14
- 9,525
- Total complaints
- Among the highest
- 2,811
- Last 12 months
- 98.7%
- Timely response
- Above median
- 54
- States affected
The verdict
Among 3,843 financial companies tracked by CFPB complaint volume, National Credit Adjusters, LLC sits at #63, with 9,525 complaints logged. On-time replies land at 98.7%, the 56th percentile for the 100+ complaint peer group.
- #63
- of 3,843 companies by volume
- 98.7%
- on time (56th pctile)
- Debt collection
- most-complained product
- 54
- states with complaints
Based on this company's own CFPB response record -- timely response, dispute rate, and relief rate, each benchmarked against every tracked company with 10+ complaints. Not a measure of product quality, pricing, or company size.
National Credit Adjusters, LLC vs. all companies by on-time response rate
Every company with 100+ CFPB complaints on file (1,335 total)
98.7% Higher than most higher than 56% of 1,335 companies
companies with 100+ CFPB complaints, bucketed by value
Each bar is a band; taller bars hold more companies. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source Consumer Financial Protection Bureau, Consumer Complaint Database · 2026-08-14
What changed
CFPB Consumer Complaint Database 2024 to 2025 complete years
- Annual CFPB complaint volume moved from 1,567 in 2024 to 2,395 in 2025 (2024 → 2025).
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 | 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 |
| 2026year in progress | 992 |
Complaints by State (Top 15)
Company Responses
National Credit Adjusters, LLC Complaint Concentration Profile
National Credit Adjusters, LLC is a high-volume CFPB cohort (9,525 complaints) - enough filings to measure how concentrated the product and issue mix is, not just the headline totals. Across 45 named product lines in the stored breakdown, the leading three (Debt collection, Credit reporting or other personal consumer reports, Debt collection) hold a 69.5% share of product-tagged complaints. The Herfindahl index on that product mix is 0.244 (1.0 = a single product owns every tagged complaint; lower = a broader book).
On the issue side, 15 named issues appear in the top list; the leading three (Attempts to collect debt not owed, Written notification about debt, Incorrect information on your report) cover a 61.1% share of those mentions. That multi-issue footprint is the profile thin-volume companies cannot show - their pages stop at a short bar list because the sample cannot support a concentration read.
Geography tells a similar story: the top three states (Texas, California, Alabama) hold a 49.7% share of state-tagged volume across 54 jurisdictions on file. A concentrated state trio can hint at regional servicing stress; a flatter map usually tracks a nationwide book.
Among coded company responses, "Closed with explanation" leads at a 93.1% share among the 9,525 response-tagged complaints (8,867 filings). Read that mix next to the timely-response and relief rates above - both describe process outcomes, not a finding of wrongdoing.
Peak filing year was 2025 (2,395 complaints); the lightest year on file was 2013 (36). From 2024 to 2025, annual volume rose 52.8% (1,567 → 2,395). Year-to-year swings at this volume usually track product launches, servicing changes, and consumer awareness more than a single-event spike.
What the CFPB Complaint Record Shows for National Credit Adjusters, LLC
The CFPB Consumer Complaint Database has logged 9,525 complaints against National Credit Adjusters, LLC overall, with 2,811 of those filed in the trailing 12 months. Reports have come from consumers in 54 states and territories, making this a nationwide complaint footprint. No product draws more complaints than "Debt collection," which sits at the top of the product breakdown. Within that category, the most frequently cited specific issue is "Attempts to collect debt not owed" - a useful starting point for anyone trying to understand what goes wrong most often in the company's consumer interactions.
CFPB-forwarded complaints against National Credit Adjusters, LLC draw a 98.7% reply rate inside the Bureau's 15-day window. That is at or above benchmark levels, a sign the company handles intake and escalation well. Resolved cases drew a formal consumer-dispute rate of 13.4% - a rough measure of how often the first resolution missed the mark. Among resolved complaints, the consumer-relief closure rate is 0%.
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, and the ratio of monetary-relief closures to closed-without-relief outcomes. Together, these fields provide context for reading the published CFPB record; they do not establish wrongdoing or resolve an individual dispute.
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 Credit Adjusters, LLC have?
The CFPB has logged 9,525 complaints against National Credit Adjusters, LLC to date, of which 2,811 came in over the last 12 months.
Does National Credit Adjusters, LLC respond to complaints on time?
National Credit Adjusters, LLC has a 98.7% timely response rate to CFPB complaints. That is a strong response record by CFPB standards.
What product generates the most complaints for National Credit Adjusters, LLC?
"Debt collection" draws more CFPB complaints against National Credit Adjusters, LLC than any other product - see the full breakdown above.
What is the most common complaint issue with National Credit Adjusters, LLC?
The most common issue reported by consumers about National Credit Adjusters, LLC is "Attempts to collect debt not owed." All complaint issues are listed above with their counts.
How do I file a complaint against National Credit Adjusters, LLC?
You can file a complaint against National Credit Adjusters, LLC 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 Credit Adjusters, LLC?
The CFPB has recorded complaints against National Credit Adjusters, LLC from 54 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.
Nationwide companies with similar complaint volume or dispute rates
Two CFPB peer sets for National Credit Adjusters, LLC: nearest financial companies by total complaint volume and by the share of complaints consumers mark as disputed. These are cross-firm neighborhoods, not the product-category list below.
Similar complaint volume
Nearest companies by total CFPB complaint count (9,525 here).
Similar dispute rates
Nearest companies by share of complaints marked disputed (13.4% here).
Also handles Debt collection
Other companies with the same primary CFPB product category on file.
Source: CFPB Consumer Complaint Database Data through March 2026
Read our methodology - how this data is sourced, computed, and verified.