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 2026-05-15
- 112
- Total complaints
- 0
- Last 12 months
- 95.5%
- Timely response
- 30
- States affected
The verdict
Out of 3,848 financial companies in the CFPB database, National Credit Services, Inc. has accumulated 112 complaints, placing it #1262 by volume. 95.5% of its complaints get an on-time reply, beating the 93% median for the 100+ complaint peer group.
- #1262
- of 3,848 companies by volume
- 95.5%
- answered on time
- Student loan
- most-complained product
- 30
- 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 | 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.
95.5% of CFPB-forwarded complaints against National Credit 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. Consumers formally disputed the company's response in 19% of resolved cases, a signal of how often the initial resolution failed to satisfy the complainant. 35.7% of resolved complaints ended with some monetary or non-monetary relief for 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 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.
Similar Companies
Matched by complaint volume nationwide and by product category - a different peer set than the sibling-portal links below.
Similar complaint volume (~112)
Also handles Student loan
Source: CFPB Consumer Complaint Database CFPB Consumer Complaint Database Data through March 2026
Read our methodology - how this data is sourced, computed, and verified.