CFPB Consumer Complaint Profile
National Credit Services, Inc.
Behind the 112 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
- 112
- Total complaints
- Mid-range
- 0
- Last 12 months
- 95.5%
- Timely response
- Below median
- 30
- States affected
The verdict
Out of 3,843 financial companies in the CFPB database, National Credit Services, Inc. has accumulated 112 complaints, placing it #1260 by volume. On-time replies land at 95.5%, the 31st percentile for the 100+ complaint peer group.
- #1260
- of 3,843 companies by volume
- 95.5%
- on time (31st pctile)
- Student loan
- most-complained product
- 30
- 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 Services, Inc. vs. all companies by on-time response rate
Every company with 100+ CFPB complaints on file (1,335 total)
95.5% Around the middle higher than 31% 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
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 | 2 |
| 2014 | 7 |
| 2015 | 3 |
| 2016 | 7 |
| 2017 | 8 |
| 2018 | 22 |
| 2019 | 36 |
| 2020 | 21 |
| 2021 | 5 |
| 2022 | 1 |
Complaints by State (Top 15)
Company Responses
What the CFPB Complaint Record Shows for National Credit Services, Inc.
National Credit Services, Inc. carries 112 complaints in the CFPB's database, 0 of them filed within the past 12 months. Consumers spanning 30 states and territories have weighed in, giving this a multi-regional footprint. No product draws more complaints than "Student loan," which sits at the top of the product breakdown. Within that category, the most frequently cited specific issue is "Dealing with your lender or servicer" - 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 Services, Inc. draw a 95.5% reply rate 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. Consumers formally disputed the company's response at a 19% rate among resolved cases, a signal of how often the initial resolution failed to satisfy the complainant. Resolved complaints closed with monetary or non-monetary relief for the consumer at a 35.7% rate.
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 Services, Inc. have?
112 complaints have been filed against National Credit Services, Inc. with the CFPB overall - 0 of them in the past year.
Does National Credit Services, Inc. respond to complaints on time?
National Credit Services, Inc.'s CFPB timely-response rate is 95.5%. That puts it among the more responsive companies in the CFPB dataset.
What product generates the most complaints for National Credit Services, Inc.?
"Student loan" draws more CFPB complaints against National Credit Services, Inc. than any other product - see the full breakdown above.
What is the most common complaint issue with National Credit Services, Inc.?
The most common issue reported by consumers about National Credit Services, Inc. is "Dealing with your lender or servicer." All complaint issues are listed above with their counts.
How do I file a complaint against National Credit Services, Inc.?
You can file a complaint against National Credit 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 Credit Services, Inc.?
Consumers in 30 states and territories have filed complaints about National Credit Services, Inc. with the CFPB. This count includes the 50 states, DC, Puerto Rico, and smaller CFPB-tracked jurisdictions such as Guam, the U.S. Virgin Islands, and military postal codes (APO/FPO), which is why it can exceed the 52 states and territories that have a dedicated state page on this site.
Nationwide companies with similar complaint volume or dispute rates
Two CFPB peer sets for National Credit Services, Inc.: 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 dispute rates
Nearest companies by share of complaints marked disputed (19% here).
Also handles Student loan
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.