Debt collector · complaint record
National Business Factors complaints
Consumers have filed 252 complaints about National Business Factors since 2014, 38 of them in the last 12 months (-14% on the year before). It answered 100% on time and closed 0% with relief for the customer - less often than a typical debt collector. The most common problem is took or threatened to take negative or legal action.
Average response record. How it works
- Complaints on record
- 252
- Last 12 months
- 38
- Answered on time
- 100%
- Closed with relief
- 0%
- Last 30 days
- 0
- Rank
- #371 of 1,963
Since April 2014
-14% vs the year before
Industry: 96.5%
Typical debt collector: 24%
Newest: Oct 12, 2026
Most complained-about debt collectors
National Business Factors complaints by month
The busiest month was January 2025 (10 complaints). Complaints in the last 12 months are down 14% on the year before. Complaints rise with a company's size and with news, so compare trends rather than totals.
How National Business Factors answered last 12 months
- Closed with explanation3489.5%
- In progress410.5%
"Closed with explanation" means the company replied but gave no money back and changed nothing. What each answer means
- Answers on time45/45100% on time
- Relief for customers0/400% closed with relief
- Complaint trend13/15-14% vs last year
What National Business Factors complaints are about
Top National Business Factors problems
Inside "Attempts to collect debt not owed"
- Debt is not yours 40
- Debt was paid 22
- Debt was result of identity theft 4
- Debt was already discharged in bankruptcy and is no longer owed 2
Where National Business Factors complaints come from
Most complaints: Nevada (136), California (62), Texas (10), Washington (9), Colorado (6).
National Business Factors compared with other debt collectors
| # | Company | Score | 12 months | Grade |
|---|---|---|---|---|
| 1 | RemexDebt collection | 45 | 39 | D |
| 2 | Merchants Credit BureauDebt collection | 47 | 39 | D |
| 3 | Hayt Hayt & Landau, P.LDebt collection | 60 | 38 | C |
| 4 | Metro Collection ServiceDebt collection | 50 | 38 | C |
| 5 | 4M CollectionsDebt collection | 48 | 38 | D |
| 6 | Collection Attorneys USADebt collection | 56 | 38 | C |
| 7 | Gulf Coast Collection BureauDebt collection | 36 | 38 | D |
| 8 | National Business FactorsDebt collection | 58 | 38 | C |
Compare side by side: National Business Factors vs Remex · National Business Factors vs Merchants Credit Bureau · National Business Factors vs Hayt Hayt & Landau, P.L · National Business Factors vs Metro Collection Service
What people say about National Business Factors
All experiencesNo experiences with National Business Factors yet. Yours would be the first on the record - and the one the next person reads.
Share yoursLatest National Business Factors complaints
Full log| Received | About | Issue | Answer |
|---|---|---|---|
| Oct 12, 2026 | Credit reporting | Problem with a company's investigation into an existing problemTheir investigation did not fix an error on your report | In progress |
| Oct 9, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | In progress |
| Oct 6, 2026 | Credit reporting | Incorrect information on your reportAccount information incorrect | In progress |
| Aug 28, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Aug 13, 2026 | Debt collection | Written notification about debtDidn't receive enough information to verify debt | In progress |
| Jul 26, 2026 | Debt collection | False statements or representationAttempted to collect wrong amount | Explained |
| Jul 26, 2026 | Debt collection | False statements or representationAttempted to collect wrong amount | Explained |
| Jul 20, 2026 | Debt collection | False statements or representationAttempted to collect wrong amount | Explained |
| Jul 18, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| Jul 1, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Jun 29, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Jun 22, 2026 | Credit reporting | Improper use of your reportReporting company used your report improperly | Explained |
Questions about National Business Factors
How many complaints does National Business Factors have?
National Business Factors has 252 complaints on record since April 2014, including 38 in the last 12 months and 0 in the last 30 days. That makes it number 780 of every company by complaints this year.
Does National Business Factors respond to complaints?
Yes. National Business Factors answered 100% of its complaints on time (within 15 days) and closed 0% with relief - money back or a fix; 0% ended with money back. The rest were mostly closed with an explanation only. Its Response Score is 58/100 (grade C).
What do people complain about most with National Business Factors?
The most common problems are took or threatened to take negative or legal action (27), false statements or representation (38), attempts to collect debt not owed (68).
Is National Business Factors legit?
National Business Factors is a real company with a public complaint record: consumers have complained about it 252 times and it answers through the official complaint process. Whether it is right for you depends on the details - see is National Business Factors legit? for the signals, red flags and how to protect yourself.
Are complaints about National Business Factors going up or down?
Down. There were 38 complaints in the last 12 months against 44 in the 12 before (-14%). See every month.
How do I file a complaint against National Business Factors?
Complain to National Business Factors in writing first and keep a copy. If it isn't fixed, file an official complaint with the federal consumer financial regulator - the company must answer, usually within 15 days. Our step-by-step guide: how to file a complaint against a company. Then share your experience here so others know.
Where do most National Business Factors complaints come from?
Most come from Nevada (136), California (62), Texas (10). Big states file more complaints, so the map shows complaints per 100,000 people.
Complaint records are public consumer complaints filed with U.S. regulators, checked (newest received Nov 15, 2026). Complaints are consumers' own accounts and are not verified; counts grow with a company's size. How the data works
Talk about National Business Factors
No comments yet. Start the conversation - questions are welcome too.