Debt collector · complaint record
National Debt complaints
Filed under National Debt Holdings, LLC
Consumers have filed 75 complaints about National Debt since 2018, 40 of them in the last 12 months (+82% 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.
Weak response record. How it works
- Complaints on record
- 75
- Last 12 months
- 40
- Answered on time
- 100%
- Closed with relief
- 0%
- Last 30 days
- 6
- Rank
- #360 of 1,963
Since January 2018
+82% vs the year before
Industry: 96.5%
Typical debt collector: 24%
Newest: Nov 13, 2026
Most complained-about debt collectors
National Debt complaints by month
The busiest month was October 2025 (6 complaints). Complaints in the last 12 months are up 82% on the year before. Complaints rise with a company's size and with news, so compare trends rather than totals.
How National Debt answered last 12 months
- Closed with explanation40100%
"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 trend2/15+82% vs last year
What National Debt complaints are about
Top National Debt problems
Inside "Attempts to collect debt not owed"
- Debt is not yours 12
- Debt was result of identity theft 5
- Debt was paid 2
Where National Debt complaints come from
Most complaints: Texas (21), Florida (7), Michigan (6), South Carolina (6), California (4).
National Debt compared with other debt collectors
| # | Company | Score | 12 months | Grade |
|---|---|---|---|---|
| 1 | CornerstoneDebt collection | 54 | 41 | C |
| 2 | Axela TechnologiesDebt collection | 25 | 41 | F |
| 3 | D2 ManagementDebt collection | 49 | 41 | D |
| 4 | Receivables ManagementDebt collection | 8 | 41 | F |
| 5 | Kansas CounselorsDebt collection | 100 | 41 | A |
| 6 | Professional Collection ServiceDebt collection | 45 | 40 | D |
| 7 | Bepensa CapitalDebt collection | 60 | 40 | C |
| 8 | National DebtDebt collection | 47 | 40 | D |
Compare side by side: National Debt vs Cornerstone · National Debt vs Axela Technologies · National Debt vs D2 Management · National Debt vs Receivables Management
What people say about National Debt
All experiencesNo experiences with National Debt yet. Yours would be the first on the record - and the one the next person reads.
Share yoursLatest National Debt complaints
Full log| Received | About | Issue | Answer |
|---|---|---|---|
| Nov 13, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Oct 30, 2026 | Debt collection | Electronic communicationsFrequent or repeated messages | Explained |
| Oct 29, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened to arrest you or take you to jail if you do not pay | Explained |
| Oct 23, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| Oct 22, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened to arrest you or take you to jail if you do not pay | Explained |
| Oct 20, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| Oct 2, 2026 | Debt collection | Written notification about debtDidn't receive enough information to verify debt | Explained |
| Sep 4, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened to sue you for very old debt | Explained |
| Sep 2, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Aug 20, 2026 | Debt collection | Written notification about debtDidn't receive enough information to verify debt | Explained |
| Aug 7, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Jul 24, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
Questions about National Debt
How many complaints does National Debt have?
National Debt has 75 complaints on record since January 2018, including 40 in the last 12 months and 6 in the last 30 days. That makes it number 760 of every company by complaints this year.
Does National Debt respond to complaints?
Yes. National Debt 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 47/100 (grade D).
What do people complain about most with National Debt?
The most common problems are attempts to collect debt not owed (19), took or threatened to take negative or legal action (18), written notification about debt (9).
Is National Debt legit?
National Debt is a real company with a public complaint record: consumers have complained about it 75 times and it answers through the official complaint process. Whether it is right for you depends on the details - see is National Debt legit? for the signals, red flags and how to protect yourself.
Are complaints about National Debt going up or down?
Up. There were 40 complaints in the last 12 months against 22 in the 12 before (+82%). See every month.
How do I file a complaint against National Debt?
Complain to National Debt 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 Debt complaints come from?
Most come from Texas (21), Florida (7), Michigan (6). 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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