National Credit Services, Inc.
112 consumer complaints recorded in the CFPB Consumer Complaint Database, with breakdowns by product, state, and complaint year.
Data updated June 2026
CFPB benchmark: response within 15 calendar days of filing.
Share closed with monetary or non-monetary relief.
National Credit Services, Inc. complaint mix by product
- Debt collection 62 55.4% – 42% relief
- Student loan 44 39.3% – 32% relief
- Credit reporting, 5 4.5% – 0% relief
- Money transfer, 1 0.9% – 0% relief
How National Credit Services, Inc.'s 112 complaints split across CFPB product categories. Resolution rate badge = % closed with monetary or non-monetary relief.
Complaints by Product
| Product | Complaints |
|---|---|
| Debt collection | 62 |
| Student loan | 44 |
| Credit reporting, credit repair services, or other personal consumer reports | 5 |
| Money transfer, virtual currency, or money service | 1 |
Top States
| State | Complaints |
|---|---|
| NY | 16 |
| WA | 13 |
| CA | 8 |
| NC | 7 |
| TX | 6 |
| GA | 6 |
| OH | 5 |
| FL | 5 |
| ID | 4 |
| AZ | 3 |
| IL | 3 |
| MI | 3 |
| OK | 3 |
| VA | 2 |
| CO | 2 |
| WI | 2 |
| MD | 2 |
| MN | 2 |
| IN | 2 |
| PA | 2 |
Top Issues
| Issue | Complaints |
|---|---|
| Dealing with your lender or servicer | 27 |
| Written notification about debt | 15 |
| Struggling to repay your loan | 12 |
| False statements or representation | 11 |
| Communication tactics | 10 |
| Cont'd attempts collect debt not owed | 6 |
| Took or threatened to take negative or legal action | 6 |
| Disclosure verification of debt | 5 |
| Attempts to collect debt not owed | 5 |
| Incorrect information on your report | 4 |
| Threatened to contact someone or share information improperly | 3 |
| Dealing with my lender or servicer | 2 |
| Problem with a credit reporting company's investigation into an existing problem | 2 |
| Can't repay my loan | 1 |
| Improper contact or sharing of info | 1 |
| Confusing or missing disclosures | 1 |
| Improper use of your report | 1 |
Yearly Trend
| Year | Complaints | Timely |
|---|---|---|
| 2013 | 2 | 100% |
| 2014 | 7 | 100% |
| 2015 | 3 | 100% |
| 2016 | 7 | 100% |
| 2017 | 8 | 100% |
| 2018 | 22 | 100% |
| 2019 | 36 | 100% |
| 2020 | 21 | 76.2% |
| 2021 | 5 | 100% |
| 2022 | 1 | 100% |
Source: CFPB Consumer Complaint Database CFPB Consumer Complaint Database
What the CFPB Record Shows About National Credit Services, Inc.
National Credit Services, Inc.'s 112 logged complaints stay concentrated: only 30 states show a filing on record. 50.9% of filings carry a written consumer narrative, the verbatim complaint description the CFPB publishes alongside the numbers - an unusually well-documented record. Records run from 2013 through 2022-06-01.
National Credit Services, Inc. answers 95.5% of complaints inside the CFPB's tracked window and closes 62.5% with a written explanation. 35.7% 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 "Dealing with your lender or servicer."
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 Credit Services, Inc..
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.
Frequently Asked Questions
How many CFPB complaints does National Credit Services, Inc. have?
112, per the CFPB's public complaint count for this company (see the full breakdown above).
Does National Credit Services, Inc. respond to complaints on time?
95.5% of the time, measured against the CFPB's 15-calendar-day response window.
What is the most common complaint about National Credit Services, Inc.?
"Dealing with your lender or servicer", filed under the "Debt collection" category - see the issues and products tables above for the full ranking.
Every figure on PlainComplaint is rendered directly from the CFPB Consumer Complaint Database, no number is typed in by an editor. Company figures are computed directly from the CFPB Consumer Complaint Database, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.