National Credit Services, Inc. Consumer Complaints
National Credit Services, Inc. has received 112 consumer complaints filed with the Consumer Financial Protection Bureau. Below is a complete breakdown by product, issue, company response pattern, and geographic distribution.
Data last updated: Apr 16, 2026Key Takeaways
- 112 total complaints on file with the CFPB.
- Most complaints are about Debt collection (62).
- Timely response rate: 95.5%.
- Consumer disputed rate: 19.0% of resolved complaints.
Complaints by Product
The following table shows how complaints against National Credit Services, Inc. break down by financial product category.
| Product | Complaints | % of Total |
|---|---|---|
| Debt collection | 62 | 55.4% |
| Student loan | 44 | 39.3% |
| Credit reporting, credit repair services, or other personal consumer reports | 5 | 4.5% |
| Money transfer, virtual currency, or money service | 1 | 0.9% |
Most Common Issues
These are the specific issues consumers most frequently report about National Credit Services, Inc..
Company Response Breakdown
When consumers file complaints, National Credit Services, Inc. responds in one of several ways. The breakdown below shows how National Credit Services, Inc. has resolved complaints.
| Response | Count | Percentage |
|---|---|---|
| Closed with explanation | 70 | 62.5% |
| Closed with non-monetary relief | 40 | 35.7% |
| Closed | 2 | 1.8% |
Complaints by State
Top states where consumers have filed complaints against National Credit Services, Inc..
| State | Complaints |
|---|---|
| New York | 16 |
| Washington | 13 |
| California | 8 |
| North Carolina | 7 |
| Georgia | 6 |
| Texas | 6 |
| Florida | 5 |
| Ohio | 5 |
| Idaho | 4 |
| Arizona | 3 |
| Illinois | 3 |
| Michigan | 3 |
| Oklahoma | 3 |
| Arkansas | 2 |
| Colorado | 2 |
| Indiana | 2 |
| Maryland | 2 |
| Minnesota | 2 |
| Missouri | 2 |
| Pennsylvania | 2 |
Your Rights
What to do if you have a complaint against National Credit Services, Inc.
- Contact National Credit Services, Inc. directly. Many issues can be resolved by calling their customer service line or submitting a written complaint.
- File a complaint with the CFPB. Visit consumerfinance.gov/complaint. The company must respond within 15 days.
- File with your state attorney general. Your state AG's consumer protection division investigates patterns of complaint.
- Consult a consumer protection attorney. If you've suffered financial harm, an attorney can advise you on your legal options including potential lawsuits.
Frequently Asked Questions
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How many complaints does National Credit Services, Inc. have?
National Credit Services, Inc. has 112 consumer complaints on file with the CFPB as of our last data refresh.
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What is the most common complaint about National Credit Services, Inc.?
The most common issue reported is Dealing with your lender or servicer with 27 complaints.
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How do I file a complaint against National Credit Services, Inc.?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. The company is required to respond within 15 days. You can also contact your state attorney general or consult a consumer protection attorney.
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Does National Credit Services, Inc. respond to complaints on time?
National Credit Services, Inc. has a 95.5% timely response rate, meaning that percentage of complaints received a response within the CFPB's required timeframe.
Source: Consumer Financial Protection Bureau — Consumer Complaint Database. Accessed April 2026.