Debt collection
National Credit Systems: what servicemembers report to the CFPB
CFPB Consumer Complaint Database, complaints tagged servicemember, received 2023 to 2025. Read October 28, 2026. Open the same query on consumerfinance.gov.
- Servicemember complaints
- 610
- Closed with money back
- 0%
- 2023 to 2025
- 135 to 306
Servicemembers filed 5.9% of National Credit Systems's 10,376 complaints in the window, against 2.5% across the directory. The complaints are mostly about debt collection, and the single most common issue is "Attempts to collect debt not owed". 0% of servicemember complaints closed with money back, against 2% across all 349 companies in this directory. The yearly count rose from 135 in 2023 to 306 in 2025.
What the complaints are about
By product
| Debt collection | 475 |
| Credit reporting or other personal consumer reports | 110 |
| Credit reporting, credit repair services, or other personal consumer reports | 20 |
| Debt or credit management | 2 |
| Credit card | 1 |
By issue
| Attempts to collect debt not owed | 232 |
| Written notification about debt | 107 |
| False statements or representation | 83 |
| Incorrect information on your report | 69 |
| Took or threatened to take negative or legal action | 37 |
| 2023: 135 | 2024: 169 | 2025: 306 |
Which accounts, specifically
| Rental debt | 348 |
| Credit reporting | 116 |
| I do not know | 77 |
| Other debt | 57 |
| Other personal consumer report | 15 |
What went wrong, specifically
| Debt is not yours | 129 |
| Attempted to collect wrong amount | 79 |
| Debt was result of identity theft | 70 |
| Didn't receive enough information to verify debt | 60 |
| Didn't receive notice of right to dispute | 45 |
Busiest month: December 2025, with 40 servicemember complaints. Most were submitted by web.
Most complaints came from TX (117), GA (96), FL (70) , then NC, SC, CA.
How National Credit Systems answered
| Closed with explanation | 610 | 100% |
National Credit Systems responded within the CFPB's 15-day window on 100% of servicemember complaints (directory-wide: 99%). A complaint closed "with explanation" means the company answered in writing and changed nothing; "monetary relief" means money moved.
In servicemembers' own words
Narratives the CFPB publishes with the consumer's consent. Personal details are removed by the CFPB before publication. Each links to the original complaint.
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Debt collection; Written notification about debt. WA, 2024-08-29. Outcome: Closed with explanation. Complaint 9984852
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Debt collection; Attempts to collect debt not owed. SC, 2024-08-31. Outcome: Closed with explanation. Complaint 9981304
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Debt collection; Written notification about debt. AL, 2024-08-30. Outcome: Closed with explanation. Complaint 9961166
If this is your problem at National Credit Systems
For a pre-service debt above 6%: the written request and the refund estimate; for repossession, foreclosure, a default judgment or eviction, the court-protection guides and the Department of Justice; for a loan or card taken during service, the Military Lending Act. A CFPB complaint is the dated record that follows, and it is the data on this page.
Compare with debt collection peers
- Kriya Capital 539 servicemember complaints; 0% with money back
- Ccs Financial Services 694 servicemember complaints; 0% with money back
- Transworld Systems 721 servicemember complaints; 0% with money back
- I.c. System 507 servicemember complaints; 0% with money back
- Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis 434 servicemember complaints; 1% with money back
Next in the directory by volume: Aidvantage (Maximus), Westlake Services, Fidelity National Information Services, Inc. (Fnis).
Frequently asked questions
How many complaints did servicemembers file against National Credit Systems?
610 complaints tagged servicemember were received by the CFPB about National Credit Systems,Inc. between January 1, 2023 and December 31, 2025 (database read October 28, 2026). The tag covers active duty, Guard, Reserve, veterans, retirees, and their spouses and dependents. The yearly count rose from 135 in 2023 to 306 in 2025.
What do servicemembers complain about most at National Credit Systems?
Debt collection accounts for 475 of the 610 complaints, and the most common issue is "Attempts to collect debt not owed" (232). Next: "Written notification about debt" (107).
Does National Credit Systems give money back when a servicemember complains?
0% of servicemember complaints closed with money back, against 2% across all 349 companies in this directory. 0 closed with non-monetary relief and 610 closed with an explanation only. National Credit Systems answered 100% of these complaints within the CFPB's 15-day window.
Tools for this topic
- SCRA refund calculator What a lender owes back for charging over 6%.
- Savings calculator What the 6% cap saves you per month and per year.
- Letter generator A rate-cap or lease letter that cites the statute.
CFPB counts for complaints tagged "Servicemember" received 2023-01-01 to 2025-12-31, read October 28, 2026; names are the CFPB's; percentages only at 100+ complaints; a complaint is not a finding of wrongdoing. Method and the full directory.
Heads up: SCRA Saver publishes general information, not legal or financial advice. Laws change and every situation differs. Confirm details with your installation legal assistance office (free for service members) or a licensed professional.