Debt collection
National Debt debt collection complaints
Consumers have filed 62 complaints about National Debt's debt collection, 32 in the last 12 months. National Debt answered 100% on time and closed 0% with relief. See the whole National Debt record.
National Debt against other debt collectors
| # | Company | 12 months | On time | Relief |
|---|---|---|---|---|
| 1 | CL Holdings | 25,525 | 99.9% | 51% |
| 2 | Encore Capital (Midland Credit) | 19,484 | 100% | 12% |
| 3 | Portfolio Recovery Associates | 17,942 | 99.9% | 63% |
| 4 | Resurgent Capital Services | 17,500 | 100% | 26% |
| 5 | TransUnion | 9,367 | 100% | 48% |
| 6 | Experian | 9,347 | 100% | 9% |
| 7 | CCS Financial Services | 8,704 | 99.9% | 2% |
| 8 | Equifax | 7,993 | 100% | 40% |
| 9 | Kriya Capital | 7,526 | 100% | 100% |
| 10 | I.C. System | 6,903 | 100% | 0% |
| 11 | National Credit Systems | 5,918 | 99.9% | 0% |
| 12 | Caine & Weiner | 5,539 | 99.9% | 39% |
| 13 | National Debt | 32 | 100% | 0% |
Latest National Debt debt collection complaints
| Received | About | Issue | Answer |
|---|---|---|---|
| Dec 24, 2025 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Nov 17, 2025 | Debt collection | Communication tacticsUsed obscene, profane, or other abusive language | Explained |
| Nov 5, 2025 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Oct 28, 2025 | Debt collection | Written notification about debtDidn't receive notice of right to dispute | Explained |
| Oct 28, 2025 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Oct 20, 2025 | Debt collection | Attempts to collect debt not owedDebt was result of identity theft | Explained |
| Oct 6, 2025 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| Oct 6, 2025 | Debt collection | Attempts to collect debt not owedDebt was paid | Explained |
| Aug 26, 2025 | Debt collection | Threatened to contact someone or share information improperlyContacted your employer | Explained |
| Jun 24, 2025 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Jun 1, 2025 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| May 22, 2025 | Debt collection | False statements or representationAttempted to collect wrong amount | Explained |
| May 11, 2025 | Debt collection | Attempts to collect debt not owedDebt was result of identity theft | Explained |
| Mar 5, 2025 | Debt collection | False statements or representationAttempted to collect wrong amount | Explained |
| Feb 19, 2025 | Debt collection | Electronic communicationsFrequent or repeated messages | Explained |
| Feb 6, 2025 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| Dec 28, 2024 | Debt collection | False statements or representationAttempted to collect wrong amount | Explained |
| Dec 12, 2024 | Debt collection | Written notification about debtDidn't receive enough information to verify debt | Explained |
| Dec 10, 2024 | Debt collection | Written notification about debtDidn't receive enough information to verify debt | Explained |
| Jul 1, 2021 | 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 |
| Dec 18, 2020 | Debt collection | Took or threatened to take negative or legal actionSued you without properly notifying you of lawsuit | Explained |
| Sep 3, 2020 | Debt collection | Communication tacticsUsed obscene, profane, or other abusive language | Explained |
| Dec 20, 2019 | Debt collection | Communication tacticsUsed obscene, profane, or other abusive language | Explained |
| Nov 25, 2019 | Debt collection | False statements or representationImpersonated attorney, law enforcement, or government official | Explained |
| Jul 25, 2019 | Debt collection | Threatened to contact someone or share information improperlyTalked to a third-party about your debt | Explained |
| May 13, 2019 | Debt collection | False statements or representationImpersonated attorney, law enforcement, or government official | Explained |
| May 7, 2019 | Debt collection | Written notification about debtDidn't receive notice of right to dispute | Explained |
| Mar 28, 2019 | Debt collection | Took or threatened to take negative or legal actionThreatened to sue you for very old debt | Explained |
| Mar 19, 2019 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Jan 28, 2019 | Debt collection | False statements or representationIndicated you were committing crime by not paying debt | Explained |
Your rights with debt collectors
Under the Fair Debt Collection Practices Act a collector must send you a validation notice with the amount and the creditor, and if you dispute the debt in writing within 30 days it must stop collecting until it verifies it. Collectors cannot harass you, lie, threaten arrest, or call at unusual times, and you can tell them in writing to stop contacting you.
Scam warning: Fake collectors threaten arrest, demand payment by gift card, wire or crypto, and refuse to put anything in writing. Ask for the validation notice and check the collector's name and number independently before you pay anything.
General information, not legal advice; rules vary by state. Plain-English guides
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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