National Enterprise Systems, Inc.

CFPB Consumer Complaint Profile

909
Total Complaints
109
Last 12 Months
100%
Timely Response
51
States Affected
National Enterprise Systems, Inc. timely response rate 100.0%
Industry benchmark

Percent of CFPB complaints answered within the regulator's expected window. Industry benchmark sits at 95%.

Credit utilization context — why this matters

A primer on how revolving balance ratios shape credit-bureau scoring; useful when reading complaints about account closures and credit-line cuts.

Ideal (+0 to +10)0-10Healthy (~0 to -10)10-30Moderate (-10 to -30)30-50High (-30 to -50)50-75Very high (-45 to -70)75-100Maxed (-60 to -100+)100-12030%

FICO impact ranges synthesize myFICO + Experian + Equifax consumer-education materials. Individual results vary.

Complaints by Product

Debt collection — I do not know 262
Debt collection — Credit card debt 137
Debt collection — Private student loan debt 78
Debt collection — Non-federal student loan 67
Debt collection — Other debt 66
Student loan — Non-federal student loan 61
Debt collection — Federal student loan 56
Credit reporting or other personal consumer reports — Credit reporting 30
Student loan — Federal student loan servicing 28
Debt collection — Other (i.e. phone, health club, etc.) 22

Top Issues

1.Communication tactics 187
2.Attempts to collect debt not owed 179
3.Written notification about debt 87
4.Cont'd attempts collect debt not owed 75
5.False statements or representation 68
6.Dealing with my lender or servicer 51
7.Improper contact or sharing of info 43
8.Threatened to contact someone or share information improperly 32
9.Disclosure verification of debt 32
10.Took or threatened to take negative or legal action 25

Complaints by Year

Year Complaints
2013 23
2014 130
2015 86
2016 67
2017 78
2018 67
2019 70
2020 36
2021 33
2022 37
2023 63
2024 82
2025 113
2026 24

Complaints by State (Top 15)

Florida 99
California 90
Texas 85
Pennsylvania 57
Georgia 45
New York 43
Ohio 34
Illinois 32
Michigan 28
North Carolina 28
Maryland 27
South Carolina 24
Virginia 24
New Jersey 24
Tennessee 22

Company Responses

Closed with explanation 819
Closed with non-monetary relief 90

What the CFPB Complaint Record Shows for National Enterprise Systems, Inc.

The CFPB Consumer Complaint Database has logged 909 complaints against National Enterprise Systems, Inc. overall, with 109 of those filed in the trailing 12 months. Reports have come from consumers in 51 states and territories, making this a nationwide complaint footprint. The single largest complaint category is "Debt collection," which consistently leads the product-level breakdown and signals where consumer friction is most acute. Within that category, the most frequently cited specific issue is "Communication tactics" — a useful starting point for anyone trying to understand what goes wrong most often in the company's consumer interactions.

National Enterprise Systems, Inc.'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 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 17.8% of resolved cases, a signal of how often the initial resolution failed to satisfy the complainant. Of complaints that were resolved, 9.9% closed with some form of monetary or non-monetary relief to the consumer.

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 Enterprise Systems, Inc. have?

National Enterprise Systems, Inc. has 909 total consumer complaints filed with the CFPB, with 109 filed in the last 12 months.

Does National Enterprise Systems, Inc. respond to complaints on time?

National Enterprise Systems, Inc. has a 100% timely response rate to CFPB complaints. This is considered excellent.

What product generates the most complaints for National Enterprise Systems, Inc.?

The most complained-about product for National Enterprise Systems, Inc. is "Debt collection." You can view the full product breakdown on this page.

What is the most common complaint issue with National Enterprise Systems, Inc.?

The most common issue reported by consumers about National Enterprise Systems, Inc. is "Communication tactics." All complaint issues are listed above with their counts.

How do I file a complaint against National Enterprise Systems, Inc.?

You can file a complaint against National Enterprise 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 Enterprise Systems, Inc.?

Consumers in 51 states and territories have filed complaints about National Enterprise Systems, Inc. with the CFPB.

Source: CFPB Consumer Complaint Database CFPB Consumer Complaint Database Data through March 2026

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