CFPB Consumer Complaint Profile
National Debt Holdings, LLC
Consumers have filed 44 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
- 44
- Total complaints
- Mid-range
- 23
- Last 12 months
- 100%
- Timely response
- Top decile
- 16
- States affected
The verdict
44 CFPB complaints put National Debt Holdings, LLC at #1948 out of 3,843 financial companies ranked by complaint volume. On-time replies land at 100%, the 86th percentile for the 100+ complaint peer group.
- #1948
- of 3,843 companies by volume
- 100%
- on time (86th pctile)
- Debt collection
- most-complained product
- 16
- states with complaints
Raw complaint volume, not a rate: larger institutions naturally draw more CFPB complaints because they serve more customers, and a complaint is a consumer-filed record, not a proven finding of wrongdoing.
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 Debt Holdings, LLC vs. all companies by on-time response rate
Every company with 100+ CFPB complaints on file (1,335 total)
100% Top 14% higher than 86% 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 4 in 2024 to 20 in 2025 (2024 → 2025).
Percent of CFPB complaints answered within the regulator's expected window. Industry benchmark sits at 95%.
Reading this profile
Source: CFPB Consumer Complaint Database
Complaints by Product
Top Issues
Complaints by Year
| Year | Complaints |
|---|---|
| 2018 | 2 |
| 2019 | 8 |
| 2020 | 2 |
| 2021 | 1 |
| 2024 | 4 |
| 2025 | 20 |
| 2026year in progress | 7 |
Complaints by State (Top 15)
Company Responses
What the CFPB Complaint Record Shows for National Debt Holdings, LLC
44 complaints against National Debt Holdings, LLC appear in the CFPB record, including 23 from the trailing year. The 16 states and territories represented put this footprint in multi-regional territory. No product draws more complaints than "Debt collection," which sits at the top of the product breakdown. 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 Debt Holdings, LLC's timely response rate stands at 100%, meaning that share of CFPB-forwarded complaints received a company reply within the 15-day window the Bureau expects. That clears the industry benchmark, pointing to intake and escalation processes that are working as intended. 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 Debt Holdings, LLC have?
The CFPB has logged 44 complaints against National Debt Holdings, LLC to date, of which 23 came in over the last 12 months.
Does National Debt Holdings, LLC respond to complaints on time?
National Debt Holdings, LLC's CFPB timely-response rate is 100%. That is a strong response record by CFPB standards.
What product generates the most complaints for National Debt Holdings, LLC?
"Debt collection" draws more CFPB complaints against National Debt Holdings, LLC than any other product - see the full breakdown above.
What is the most common complaint issue with National Debt Holdings, LLC?
"Attempts to collect debt not owed" is the single most frequently cited issue in complaints against National Debt Holdings, LLC - see all issues and counts above.
How do I file a complaint against National Debt Holdings, LLC?
You can file a complaint against National Debt Holdings, 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 Debt Holdings, LLC?
The CFPB has recorded complaints against National Debt Holdings, LLC from 16 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.
Also handles Debt collection
Other companies with the same primary CFPB product category on file.
Frequently Asked Questions
How many CFPB complaints does National Debt Holdings, LLC have?
The CFPB has logged 44 complaints against National Debt Holdings, LLC to date, of which 23 came in over the last 12 months.
Does National Debt Holdings, LLC respond to complaints on time?
National Debt Holdings, LLC's CFPB timely-response rate is 100%. That is a strong response record by CFPB standards.
What product generates the most complaints for National Debt Holdings, LLC?
"Debt collection" draws more CFPB complaints against National Debt Holdings, LLC than any other product - see the full breakdown above.
What is the most common complaint issue with National Debt Holdings, LLC?
"Attempts to collect debt not owed" is the single most frequently cited issue in complaints against National Debt Holdings, LLC - see all issues and counts above.
How do I file a complaint against National Debt Holdings, LLC?
You can file a complaint against National Debt Holdings, 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 Debt Holdings, LLC?
The CFPB has recorded complaints against National Debt Holdings, LLC from 16 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.