CFPB Consumer Complaint Profile
National Credit Systems,Inc.
Consumers have filed 17,629 complaints with the CFPB against this company, a record that maps out how disputes over credit, billing and collections tend to unfold.
Data updated 2026-08-14
- 17,629
- Total complaints
- Among the highest
- 6,176
- Last 12 months
- 98.6%
- Timely response
- Above median
- 54
- States affected
The verdict
National Credit Systems,Inc. ranks #40 of 3,843 financial companies by CFPB complaint volume, with 17,629 complaints on record. Its on-time response rate is 98.6%, the 55th percentile among companies with 100+ complaints.
- #40
- of 3,843 companies by volume
- 98.6%
- on time (55th 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 Systems,Inc. vs. all companies by on-time response rate
Every company with 100+ CFPB complaints on file (1,335 total)
98.6% Higher than most higher than 55% 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 3,014 in 2024 to 5,760 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 | 68 |
| 2014 | 223 |
| 2015 | 279 |
| 2016 | 380 |
| 2017 | 573 |
| 2018 | 555 |
| 2019 | 551 |
| 2020 | 714 |
| 2021 | 1,156 |
| 2022 | 1,130 |
| 2023 | 1,599 |
| 2024 | 3,014 |
| 2025 | 5,760 |
| 2026year in progress | 1,627 |
Complaints by State (Top 15)
Company Responses
National Credit Systems,Inc. Complaint Concentration Profile
National Credit Systems,Inc. is a high-volume CFPB cohort (17,629 complaints) - enough filings to measure how concentrated the product and issue mix is, not just the headline totals. Across 37 named product lines in the stored breakdown, the leading three (Debt collection, Debt collection, Debt collection) hold a 70.2% share of product-tagged complaints. The Herfindahl index on that product mix is 0.194 (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, False statements or representation) cover a 62.1% 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, Georgia, Florida) hold a 48.5% 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 98.0% share among the 17,629 response-tagged complaints (17,276 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 (5,760 complaints); the lightest year on file was 2013 (68). From 2024 to 2025, annual volume rose 91.1% (3,014 → 5,760). 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 Systems,Inc.
17,629 complaints against National Credit Systems,Inc. appear in the CFPB record, including 6,176 from the trailing year. The 54 states and territories represented put this footprint in nationwide territory. "Debt collection" tops the product-level breakdown by a clear margin, marking it as the area of greatest consumer friction. Inside that category, "Attempts to collect debt not owed" comes up most often - worth a look for anyone trying to spot the company's recurring pain point.
National Credit Systems,Inc.'s timely response rate stands at 98.6%, meaning that share of CFPB-forwarded complaints received a company reply within the 15-day window the Bureau expects. That figure is at or above the industry benchmark and suggests the company's intake and escalation processes are functioning as designed. The company's response carried a 24.5% formal-dispute rate on resolved cases, indicating how frequently the initial fix fell short. Among resolved complaints, 0% 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, 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 Systems,Inc. have?
17,629 complaints have been filed against National Credit Systems,Inc. with the CFPB overall - 6,176 of them in the past year.
Does National Credit Systems,Inc. respond to complaints on time?
National Credit Systems,Inc. has a 98.6% timely response rate to CFPB complaints. That is a strong response record by CFPB standards.
What product generates the most complaints for National Credit Systems,Inc.?
The most complained-about product for National Credit Systems,Inc. is "Debt collection." You can view the full product breakdown on this page.
What is the most common complaint issue with National Credit Systems,Inc.?
"Attempts to collect debt not owed" is the single most frequently cited issue in complaints against National Credit Systems,Inc. - see all issues and counts above.
How do I file a complaint against National Credit Systems,Inc.?
You can file a complaint against National Credit Systems,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 Systems,Inc.?
National Credit Systems,Inc. has drawn CFPB complaints from 54 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.
Nationwide companies with similar complaint volume or dispute rates
Two CFPB peer sets for National Credit Systems,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 complaint volume
Nearest companies by total CFPB complaint count (17,629 here).
Similar dispute rates
Nearest companies by share of complaints marked disputed (24.5% 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.