CFPB · Narrative-heavy record
National Credit Services, Inc.
112 CFPB complaints · 50.9% with narratives · top issue Dealing with your lender or servicer.
National Credit Services, Inc.: 50.9% of 112 filings include consumer narratives. Timely 95.5% · relief 35.7% · top product Debt collection. Allegations, not findings.
- Narrative-heavy record
- -50% filings 2013 to 2022
CFPB relief outcome brief
CCDB company national-credit-services-inc
35.7% relief · 95.5% timely · 112 filings · Debt collection
Same-product relief peers
Nearest relief peer: Encore Capital Group Inc. (36% relief)
National Credit Services, Inc. closes 35.7% with relief, above the 1.3% industry median among companies with ≥10 complaints. How CFPB response codes work →
Response Quality Score
National Credit Services, Inc. scores strongest on relief provided (100/100 percentile-benchmarked) and weakest on closed with explanation (31/100), 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
100 / 100 percentile-benchmarked
35.7% of complaints closed with relief to the consumer
Timely response
92 / 100 percentile-benchmarked
95.5% of complaints answered inside the CFPB 15-day window
Closed with explanation
31 / 100 percentile-benchmarked
62.5% of complaints closed with an explanation to the consumer
Most of National Credit Services, Inc.'s 112 filings include narrative text
50.9% 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 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 |
Where National Credit Services, Inc. complaints are filed
Top states by attributed CFPB complaint volume for this company
- Leading state
- NY
- 14.3% of this company's filings
National Credit Services, Inc. falling annual filings
Annual filing volume from the CFPB public database
- 2022
- 1
- -50% vs 2013
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
National Credit Services, Inc.'s narrative-rich complaint ledger
National Credit Services, Inc.'s 112 logged complaints stay concentrated: only 30 states show a filing. 50.9% of filings carry a written consumer narrative, 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..
Compare beyond geography
Nationwide peers by volume & timely response
Two PlainComplaint-derived comparison paths for National Credit 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: 112.
Similar timely response rate
Nearest companies by CFPB 15-day timely-response %. This record: 95.5%.
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 Credit Services, Inc. (95.5% timely; 35.7% relief). methodology.
Retrieved and formatted by PlainComplaint · vintage June 2026 · Narrative-heavy record