CFPB · Single-product concentration
National Commercial Services, Inc
211 CFPB complaints · 89.1% in "Debt collection" · top issue Attempts to collect debt not owed.
National Commercial Services, Inc: 89.1% of 211 CFPB complaints sit in "Debt collection". Timely 97.2% · relief 14.7%. Allegations, not findings.
- Single-product concentration
- +250% filings 2013 to 2026
CFPB relief outcome brief
CCDB company national-commercial-services-inc
14.7% relief · 97.2% timely · 211 filings · Debt collection
Same-product relief peers
Nearest relief peer: CSO Financial (14.7% relief)
National Commercial Services, Inc closes 14.7% with relief, above the 1.3% industry median among companies with ≥10 complaints. How CFPB response codes work →
Response Quality Score
National Commercial Services, Inc scores strongest on timely response (95/100 percentile-benchmarked) and weakest on relief provided (69/100), blended into one 0–100 composite against the CFPB-wide distribution among companies with 10+ complaints. See methodology for the benchmark and weights.
Relief provided
69 / 100 percentile-benchmarked
14.7% of complaints closed with relief to the consumer
Timely response
95 / 100 percentile-benchmarked
97.2% of complaints answered inside the CFPB 15-day window
Closed with explanation
69 / 100 percentile-benchmarked
83.4% of complaints closed with an explanation to the consumer
Most of National Commercial Services, Inc's 211 filings include narrative text
50.2% carry a written consumer narrative, this ledger is unusually text-rich for a CFPB company page. Counts still add to the company's total filings; narrative presence is not a severity finding.
CFPB benchmark: response within 15 calendar days of filing.
Share closed with monetary or non-monetary relief.
National Commercial Services, Inc complaint mix by product
- Debt collection 188 89.1% – 14% relief
- Credit reporting, 10 4.7% – 0% relief
- Credit reporting 10 4.7% – 20% relief
- Mortgage 2 0.9% – 100% relief
- Checking or 1 0.5% – 0% relief
How National Commercial Services, Inc's 211 complaints split across CFPB product categories. Resolution rate badge = % closed with monetary or non-monetary relief.
Complaints by Product
| Product | Complaints |
|---|---|
| Debt collection | 188 |
| Credit reporting, credit repair services, or other personal consumer reports | 10 |
| Credit reporting or other personal consumer reports | 10 |
| Mortgage | 2 |
| Checking or savings account | 1 |
Where National Commercial Services, Inc complaints are filed
Top states by attributed CFPB complaint volume for this company
- Leading state
- CA
- 15.6% of this company's filings
National Commercial Services, Inc rising annual filings
Annual filing volume from the CFPB public database
- 2026
- 14
- +250% vs 2013
Top States
| State | Complaints |
|---|---|
| CA | 33 |
| NC | 21 |
| OH | 17 |
| FL | 14 |
| VA | 12 |
| TX | 12 |
| PA | 8 |
| LA | 8 |
| IL | 8 |
| NY | 7 |
| WA | 7 |
| KS | 6 |
| MI | 5 |
| GA | 4 |
| CO | 4 |
| NE | 3 |
| MD | 3 |
| CT | 3 |
| NH | 3 |
| NV | 3 |
Top Issues
| Issue | Complaints |
|---|---|
| Attempts to collect debt not owed | 65 |
| Took or threatened to take negative or legal action | 29 |
| False statements or representation | 27 |
| Cont'd attempts collect debt not owed | 23 |
| Communication tactics | 18 |
| Written notification about debt | 13 |
| Incorrect information on your report | 12 |
| Disclosure verification of debt | 4 |
| Problem with a company's investigation into an existing problem | 3 |
| Threatened to contact someone or share information improperly | 3 |
| Improper use of your report | 3 |
| Improper contact or sharing of info | 3 |
| Taking/threatening an illegal action | 2 |
| Problem with a credit reporting company's investigation into an existing problem | 2 |
| Managing an account | 1 |
| Electronic communications | 1 |
| Loan modification,collection,foreclosure | 1 |
| Settlement process and costs | 1 |
Yearly Trend
| Year | Complaints | Timely |
|---|---|---|
| 2013 | 4 | 100% |
| 2014 | 12 | 91.7% |
| 2015 | 12 | 91.7% |
| 2016 | 16 | 81.3% |
| 2017 | 11 | 90.9% |
| 2018 | 19 | 100% |
| 2019 | 17 | 100% |
| 2020 | 8 | 100% |
| 2021 | 8 | 100% |
| 2022 | 12 | 100% |
| 2023 | 14 | 100% |
| 2024 | 23 | 100% |
| 2025 | 41 | 100% |
| 2026 | 14 | 100% |
Source: CFPB Consumer Complaint Database
National Commercial Services, Inc filings cluster in one product
National Commercial Services, Inc's 211 logged complaints stay concentrated: only 37 states show a filing. 50.2% of filings carry a written consumer narrative, an unusually well-documented record. Records run from 2013 through 2026-06-24.
National Commercial Services, Inc answers 97.2% of complaints inside the CFPB's tracked window and closes 83.4% with a written explanation. 14.7% end in monetary or non-monetary relief for the consumer. Consumers disputed just 0% of responses after the company replied. "Debt collection" draws the most filings, most often for "Attempts to collect debt not owed."
A complaint is a consumer-reported allegation, not proven wrongdoing. See the disclaimer below for how volume relates to company size, and cross-check against the CFPB Consumer Complaint Database directly before drawing conclusions about National Commercial Services, Inc.
Compare beyond geography
Nationwide peers by volume & timely response
Two PlainComplaint-derived comparison paths for National Commercial Services, Inc: nearest filing volume and nearest CFPB timely-response rate among companies with at least 100 logged complaints. State breakdowns above stay geographic; these neighborhoods vary by metric.
Similar filing volume
Nearest companies by total CFPB complaints. This record: 211.
Similar timely response rate
Nearest companies by CFPB 15-day timely-response %. This record: 97.2%.
Disclaimer: This data is from CFPB public records. PlainComplaint does not provide financial advice. A complaint does not indicate that a company has violated any law or regulation. Complaint volumes are influenced by company size, customer base, and market presence. Use this data as one of many inputs when evaluating a company.
Data sourced from official public datasets for National Commercial Services, Inc (97.2% timely; 14.7% relief). methodology.
Retrieved and formatted by PlainComplaint · vintage June 2026 · Single-product concentration