National Credit Systems Complaints?

Businessman Taking Money Out of Piggy Bank. Business Concept Cartoon Illustration.

National Credit Systems is a debt collection agency. It usually is hired by companies to collect delinquent debt. NCS can’t harass you, deceive you, or treat you unfairly. If it does, you may have a claim for damages.

If you think National Credit Systems is harassing you or disregarding your rights, contact BCJ Law’s debt harassment attorney for help. Please complete our contact form or call 1-800-997-5561 for a free case review.

Why does National Credit Systems keep calling me?

"More than half of consumers contacted about debt 'said these contacts included at least one debt ... in error.'"

CFPB Survey (2017).

National Credit Systems is a debt collection agency based in Georgia. National Credit likely does not own your debt; it is hired by companies to collect debts on their behalf, either through calls or letters, or by other means.

If National Credit Systems is calling you, or if NCS is sending you letters, that means it’s trying to collect a debt from you. National Credit also may appear on your credit report if it is engaged in the collection process. NCS focuses almost exclusively on collecting debt for landlords. In fact, National Credit Systems claims to collect debt for the most apartment owners and property owners in the nation.

Do people complain about National Credit Systems harassment?

Consumers have complain about National Credit Systems’ debt collection practices in past years. For example, complaint databases maintained by the CFPB and the BBB show the following:

  • Consumer Financial Protection Bureau (CFPB) Database: shows thousands of complaints against National Credit.
  • Better Business Bureau (BBB) Website: shows hundreds of complaints against National Credit.

If you have complaints about National Credit Systems’ debt collection practices, visit our debt collection harassment page to learn how BCJ Law can help. Call us at 1-800-997-5561 or complete our contact form.

Does National Credit Systems sue?

Close to a third of consumers contacted about debt said debt collectors tried to "collect at least one debt the consumer believed he or she did not owe."

CFPB Survey (2017).

When consumers learn that National Credit Systems is a debt collection agency, they often ask if they’ll get sued. The answer is maybe, although National Credit Systems probably won’t file a lawsuit against you in its own name.

Whether you’ll get sued for a debt National Credit is trying to collect depends on the type of debt at issue. Since National Credit collects debt allegedly owed to landlords, it depends on whether your landlord will sue over one or a few missed months of rent. If you get sued, visit our debt defense page to learn how our debt defense attorney beats debt collection lawsuits.

How do I get National Credit Systems to stop calling me?

A law called the Fair Debt Collection Practices Act (FDCPA) gives you the right to tell National Credit to stop calling you. The FDCPA also gives you the right to tell NCS when it can call you, or how it can contact you. For general tips on dealing with debt collectors and debt collection calls, read our posts on how to deal with debt collectors and how to deal with debt collection robocalls.

Does National Credit have to validate debt?

The FDCPA requires National Credit Systems to disclose your right to request debt verification (often called validation) within 5 days of first contact. NCS also must disclose that verification request must be written and that debts are assumed valid if a verification letter is not received within 30 days. If you request debt verification, National Credit must verify your debt or stop collection activity. For general tips on understanding debt collection letters and debt verification, read our post on understanding debt collection letters.

Can I sue National Credit Systems?

You can sue debt collectors when they engage in unlawful debt collection practices. Here are common practices that may violate the law:

I. Improper debt collection calls.

  • Repeated, frequent, or persistent phone calls.
  • Contacting third parties, like family, friends, employers, or co-workers.
  • Phone calls at inconvenient times or places, like early in the morning, late at night, or at work.

II. Hollow debt collection threats.

  • Threatening jail time or arrest.
  • Threatening damage to reputation or disclosure of private information.
  • Threatening wage garnishment, seizure of property, or the filing of lawsuits without authority.

III. Other improper debt collection practices.

  • Reporting inaccurate information to credit reporting agencies.
  • Attempting to collect debt that's already paid or not owed at all.
  • Attempting to collect unlawful or unauthorized fees, charges, or costs.

What laws apply to National Credit Systems?

There are many federal and Pennsylvania laws that give you legal rights when interacting with National Credit Systems. Here are some of them:

  • Fair Debt Collection Practices Act (FDCPA): A federal law that prohibits harassing, deceptive, and unconscionable debt collection practices. It also gives you the right to request debt verification and modify how debt collectors contact you.
  • Fair Credit Extension Uniformity Act (FCEUA): A state law that prohibits many of the same practices made unlawful by the FDCPA.
  • Telephone Consumer Protection Act (TCPA): A federal law that prohibits certain calls to cellphones without consent. The TCPA provides for $500 to $1500 per unlawful call.
  • Unfair Trade Practices and Consumer Protection Law (UTPCPL): A state law that prohibits fraud and deception.
  • Fair Credit Reporting Act (FCRA): A federal law that prohibits reporting inaccurate information to credit reporting agencies. The FCRA also limits how your credit report is used.

If you think National Credit Systems broke the law, learn how BCJ Law can help by visiting our debt collection harassment page. Complete our contact form or call us at 1-800-997-5561.

Can I remove National Credit Systems from my credit report?

The Fair Credit Reporting Act (FCRA) allows you to dispute inaccurate or out-dated information on your credit report. Disputed information must be investigated and errors must be corrected or removed. It’s important to understand that the FCRA does not allow you to remove accurate information. Visit our fixcreditreport.com website to learn about your rights under the FCRA, including how to dispute inaccuracies and remove old information.

National Credit Systems Harassing You? Hire BCJ Law to Help.

If you’re harassed by National Credit Systems, please contact BCJ Law for help. Call 1-800-997-5561 or complete our contact form for a free case review from our debt harassment attorney.

Recent Articles:

Share This Page!

Share on facebook
Share on twitter
Share on linkedin
Share on google
Share on print
Share on email