Debt collector · complaint record
National Collection Systems complaints
Filed under National Collection Systems, Inc.
Consumers have filed 549 complaints about National Collection Systems since 2013, 117 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 attempts to collect debt not owed.
Average response record. How it works
- Complaints on record
- 549
- Last 12 months
- 117
- Answered on time
- 100%
- Closed with relief
- 0%
- Last 30 days
- 12
- Rank
- #185 of 1,963
Since November 2013
+14% vs the year before
Industry: 96.5%
Typical debt collector: 24%
Newest: Nov 11, 2026
Most complained-about debt collectors
National Collection Systems complaints by month
The busiest month was November 2025 (17 complaints). Complaints in the last 12 months are up 14% on the year before. Complaints rise with a company's size and with news, so compare trends rather than totals.
How National Collection Systems answered last 12 months
- Closed with explanation117100%
"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 trend9/15+14% vs last year
What National Collection Systems complaints are about
Top National Collection Systems problems last 12 months
Inside "Attempts to collect debt not owed"
- Debt is not yours 106
- Debt was paid 27
- Debt was result of identity theft 25
- Debt was already discharged in bankruptcy and is no longer owed 3
Where National Collection Systems complaints come from
Most complaints: Texas (104), California (40), Georgia (35), Missouri (34), Arizona (27).
National Collection Systems compared with other debt collectors
| # | Company | Score | 12 months | Grade |
|---|---|---|---|---|
| 1 | Roadrunner Account ServicesDebt collection | 47 | 121 | D |
| 2 | Essential LendingDebt collection | 0 | 119 | F |
| 3 | Second AllianceDebt collection | 7 | 118 | F |
| 4 | National Collection SystemsDebt collection | 54 | 117 | C |
| 5 | The Outsource GroupDebt collection | 55 | 115 | C |
| 6 | Gurstel Law Firm, P.CDebt collection | 60 | 114 | C |
| 7 | AvanteDebt collection | 43 | 114 | D |
| 8 | Franklin Collection ServiceDebt collection | 48 | 114 | D |
Compare side by side: National Collection Systems vs Roadrunner Account Services · National Collection Systems vs Essential Lending · National Collection Systems vs Second Alliance · National Collection Systems vs The Outsource Group
What people say about National Collection Systems
All experiencesNo experiences with National Collection Systems yet. Yours would be the first on the record - and the one the next person reads.
Share yoursLatest National Collection Systems complaints
Full log| Received | About | Issue | Answer |
|---|---|---|---|
| Nov 11, 2026 | Credit reporting | Incorrect information on your reportInformation belongs to someone else | Explained |
| Nov 9, 2026 | Debt collection | Written notification about debtDidn't receive enough information to verify debt | Explained |
| Nov 6, 2026 | Credit reporting | Incorrect information on your reportAccount status incorrect | Explained |
| Nov 6, 2026 | Debt collection | Communication tacticsUsed obscene, profane, or other abusive language | Explained |
| Nov 5, 2026 | Debt collection | Written notification about debtDidn't receive enough information to verify debt | Explained |
| Oct 30, 2026 | Credit reporting | Problem with a company's investigation into an existing problemTheir investigation did not fix an error on your report | Explained |
| Oct 28, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Oct 27, 2026 | Debt collection | Attempts to collect debt not owedDebt was paid | Explained |
| Oct 22, 2026 | Credit reporting | Improper use of your reportReporting company used your report improperly | Explained |
| Oct 21, 2026 | Credit reporting | Improper use of your reportReporting company used your report improperly | Explained |
| Oct 21, 2026 | Student loans | Struggling to repay your loanProblem with forgiveness, cancellation, or discharge | Explained |
| Oct 20, 2026 | Debt relief & credit repair | Charged upfront or unexpected fees | Explained |
Questions about National Collection Systems
How many complaints does National Collection Systems have?
National Collection Systems has 549 complaints on record since November 2013, including 117 in the last 12 months and 12 in the last 30 days. That makes it number 438 of every company by complaints this year.
Does National Collection Systems respond to complaints?
Yes. National Collection Systems 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 54/100 (grade C).
What do people complain about most with National Collection Systems?
The most common problems are attempts to collect debt not owed (161), written notification about debt (106), incorrect information on your report (54).
Is National Collection Systems legit?
National Collection Systems is a real company with a public complaint record: consumers have complained about it 549 times and it answers through the official complaint process. Whether it is right for you depends on the details - see is National Collection Systems legit? for the signals, red flags and how to protect yourself.
Are complaints about National Collection Systems going up or down?
Up. There were 117 complaints in the last 12 months against 103 in the 12 before (+14%). See every month.
How do I file a complaint against National Collection Systems?
Complain to National Collection Systems 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 Collection Systems complaints come from?
Most come from Texas (104), California (40), Georgia (35). 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
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