Independent profile — not affiliated with National Credit Systems
National Credit Systems
National Credit Systems, Inc. is a Georgia-based collection agency that collects past-due rental and lease balances for property owners and managers. This page collects its own dispute and contact channels, the federal validation and dispute rights quoted from CFPB and FTC pages, BBB and CFPB figures as displayed on October 7, 2026, three published federal appeals decisions, a CFPB petition to enforce an investigative demand and 19 archive posts.
Complaints & Reviews on USAComplaints
USAComplaints currently maintains 14 historical complaints about National Credit Systems, published between 2007 and 2012. No approved complaints have been published on this site during the last three years. For a current reputation snapshot, see the independent sources below.
- Debt Validation Request Ignored, Collector Asks Me for Documentation
- Supervisor Yelled and Refused to Send Documentation of Old Debt
- Debt of $2,374 Never Disclosed and Validation Request Ignored
- Collection Call and Letter for a Debt I Do Not Owe
- Supervisor Rude and Insulting About Payment Plan Agreement
- Collection Letter Claims Debt From Apartment Over 27 Years Ago
- Collector Hangs Up, Calls Names, and Never Admits Account Mistakes
- Collector Called Me Names Over Debt That Is Not Mine
- Collector Refused Documentation and Called Without Prior Notice
- Collector Demanded Credit Card Info for Utility Bills We Already Paid
- Denied Apartment Over $978 Debt With No Proof or Contact
- Paid Early Termination Fee but Collector Says We Never Paid
- Security Deposit Refund Turned Into Inflated Debt Collection
- Contact Details Posted After BBB Gave Unsatisfactory Rating
Complaint Themes
Independent Sources
Shown for context — not merged with USAComplaints' own numbers.
Contacts & Login
- NCS website (account login and payments): https://www.nationalcreditsystems.com/
- NCS toll-free (published on its site): 800-367-1050 1 complaint mentions this number
- NCS general email (info@): [email protected]
- NCS 360 portal (for property managers and clients): https://www.myncs360.com/
- BBB-listed phone for National Credit Systems, Inc.: 404-629-9595 5 complaints mention this number
Locations
| Type | Address |
|---|---|
| Mailing address | PO Box 672288 Marietta GA 30006 |
National Credit Systems: what the notice means and how to dispute, verify or contest a rental debt (checked October 7, 2026)
National Credit Systems, Inc. (NCS) is a collection agency. Its own site says it collects past-due balances for former residents of rental properties: “unresolved rental debt can follow you for years,” and “This is an attempt to collect a debt by a debt collector.” NCS is a collection agency, a different business from the creditor named in its notice. NCS says its service is the collection of accounts “placed with us by our clients” (Privacy Policy), and its consumer page is written for former residents of rental properties. The notice should name the current creditor and the amount; the FTC adds that you can ask for information about the original creditor within 30 days of getting validation information.
NCS's own channels (nationalcreditsystems.com, opened October 7, 2026).
- Account login (“Debt Status”): enter your account number to see account information and pay online by check or card.
- Questions or concerns: NCS's Contact Us page says to log in and click the “Contact Us” button; it also lists toll-free 800-367-1050, email [email protected] and a mailing address of PO Box 672288, Marietta, GA 30006.
- NCS's Resources page says it offers Spanish-speaking representatives.
- Texts: NCS's Texting Policy says that by giving a mobile number you permit account-related texts unless you opt out; text STOP to opt out or HELP for support.
- NCS publishes a Data Privacy Policy (last updated May 26, 2023) and a license information page (Nevada license CAD10290 and NMLS 939618 as listed in NCS's own document; not checked against Nevada or NMLS public records).
- Before paying online. NCS's payment screen shows a “Disclosure / Release Statement.” Its text, as published by NCS, includes: “all parties agree to release National Credit Systems, Inc. from any and all claims regarding any communication and/or collection activity related to the debt,” and that accepting the terms and obtaining the letter of satisfaction “constitutes a final resolution and forfeiture of any right to a refund, void of transaction, or dispute of payment for any reason.” It also states that “an opportunity has been provided to dispute the debt and obtain verification.” This page does not assess the legal effect of these terms; read them before paying and consider asking a lawyer or legal-aid office.
Federal rights that apply to any collector (quoted from CFPB and FTC pages, opened October 7, 2026):
- CFPB: a collector must give “validation information” in the first communication or within five days, including the creditor's name, the amount and “how to dispute the debt.” CFPB adds that in certain situations “you only have 30 days” after contact to ask for certain information.
- FTC: if you do not recognize the debt, “send the debt collector a dispute letter” within 30 days and ask for verification; once the collector gets the letter “it must stop trying to collect the debt until it sends you written verification.” FTC suggests certified mail with a return receipt and keeping a copy.
- Stopping contact is different from disputing: the FTC says to mail a letter asking the collector to stop contacting you and to keep a copy; afterward the collector “can only contact you to confirm it will stop contacting you in the future or to tell you it plans to take a specific action, like filing a lawsuit.” A stop letter does not by itself dispute the debt.
- Credit reporting: the FTC says a collector must first talk to you by phone or in person, or mail or send an electronic notice and wait a reasonable time, “usually 14 days,” before reporting a debt to a credit reporting company.
- Credit reports: FTC says to dispute mistakes with the credit bureau and with the business that supplied the information; the bureau “has 30 days to investigate” and must give you the results in writing.
- Where to report a collector: your state attorney general, the FTC or the CFPB (FTC's debt collection FAQ). You may also sue within one year of the violation; the FTC says a court can award up to $1,000 if you cannot prove damages, plus fees and costs, and that a violation finding does not erase the debt.
Practical order. Compare the letter's creditor and dates with your lease paperwork; request written validation and an itemized breakdown; dispute in writing (keep proof); if the debt appears on a credit report that you believe is wrong, dispute with the bureau and with NCS. If someone used your identity to rent, report it at IdentityTheft.gov (FTC) and keep records. A federal appeals decision from July 2026 about an identity-fraud dispute is summarized under Litigation record below. This page is general information, not legal advice.
Who National Credit Systems is
Identity. Legal name National Credit Systems, Inc. (BBB: type of entity “Corporation”). NCS's contact page and privacy policy give a mailing address of PO Box 672288, Marietta, Georgia 30006; BBB lists the same PO box as headquarters and shows the “Business Started” date in its page data as August 1, 1991 (incorporated August 16, 1991; BBB file opened November 12, 1998). BBB's page also says “Years in Business: 35.” These are BBB's records, not statements by the company.
What it does. NCS describes its service as “our facilitation of the collection and recovery of accounts receivable placed with us by our clients” (Privacy Policy) and targets rental debt: its former-resident page speaks of broken leases and past-due balances. A separate portal, NCS 360, is for property managers and clients.
Licenses. NCS's own “License Information” PDF (opened October 6, 2026) lists a Nevada license (CAD10290), two Nevada compliance-manager certificates and NMLS number 939618 for “National Credit Systems Collection Agency.” These numbers are NCS's statement; they were not checked against Nevada or NMLS public records, and the document does not list other state licenses.
Names you may see. BBB lists the alternate names “National Credit System,Inc,” “N C S,” “NCS” and “National Credit Services.” The CFPB database lists the company as “National Credit Systems,Inc.” Archive posts on this site that name “NCS Plus,” “AmerAssist,” “National Credit Shopper” or “First National Credit” give other business names and addresses (New York, Florida, California) and are not linked to this profile.
Ownership. The pages opened do not state a parent company, and no corporate relationship is claimed here.
Complaint record: BBB, CFPB and archive posts (as displayed on October 7, 2026)
The figures below come from three different sources. They are not added together and are not compared with each other.
BBB (profile for National Credit Systems, Inc., Marietta, GA): BBB rating F; BBB gives these reasons: “Failure to respond to 185 complaint(s) filed against business” and “97 complaint(s) filed against business that were not resolved.” BBB says NCS is not BBB Accredited. The complaints tab shows 2,309 total complaints in the last 3 years and 147 closed in the last 12 months; the reviews tab shows 1.1 out of 5 (“Average of 42 Customer Reviews”). BBB says customer reviews are not used in the rating. BBB shows complaint text only for some complaints.
CFPB Consumer Complaint Database (company listed as “National Credit Systems,Inc.”): 21,845 complaints in total as displayed (first received 2013-02-15, latest 2026-09-25), of which 7,492 were received since October 7, 2025. By product (all dates): debt collection 17,012; credit reporting or other personal consumer reports 3,467; credit reporting, credit repair services or other personal consumer reports 1,245; debt or credit management 52. Top issues (all dates): attempts to collect a debt not owed 7,469; false statements or representation 3,091; written notification about debt 3,013; incorrect information on your report 2,503; took or threatened to take negative or legal action 1,981. Top consumer states: TX 4,759, GA 3,194, FL 2,566, NC 1,441, SC 896, CA 662. Company responses (all dates): closed with explanation 21,558; in progress 280; closed with non-monetary relief 5; closed 1; closed with monetary relief 1. CFPB publishes consumers' descriptions as submitted; it does not verify them, and a large database count reflects consumer submissions, not findings.
Trustpilot: the page https://www.trustpilot.com/review/nationalcreditsystems.com returned “page not found” on October 7, 2026.
This site's archive. usacomplaints.com has 14 posts that name National Credit Systems as the subject (2007 to 2012) and 5 more posts about landlords or apartment complexes that name NCS as the collector, 19 in total. Counted by keyword in the 14 subject posts: apartment charges, lease or security-deposit disputes 10; collector tone or phone conduct 10; requests for validation or documents 8; credit report or bureau disputes 7; notices for a debt the writer says is not theirs or is unfamiliar 6 (posts can match several). These are individual writers' accounts; the page does not verify them. Five posts naming “NCS Plus”/“AmerAssist” (a New York address) are not counted here.
Regulator proceeding: CFPB petition to enforce an investigative demand
The CFPB's public page for National Credit Systems, Inc. (opened October 7, 2026) says: “This is a petition to enforce a Bureau civil investigative demand filed pursuant to the Bureau's Rules of Investigation.” It lists the petition (filed February 22, 2023), an amended petition (November 2024), a Final Report and Recommendation (January 2025) and an order issued February 13, 2025.
What the documents say. The magistrate judge's report (N.D. Ga., No. 1:24-cv-05809) states that the CFPB issued the demand on October 21, 2022 and is investigating NCS for “potential violations of the Consumer Financial Protection Act's prohibition on unfair, deceptive, or abusive acts and practices, the Fair Debt Collection Practices Act (FDCPA), the Fair Credit Reporting Act (FCRA), and the FCRA's implementing rule, Regulation V.” On January 27, 2025 it recommended that the amended petition be granted in part and denied in part. On February 13, 2025 the district judge adopted the report, granted the amended petition in part and denied it in part, denied the original petition as moot, directed NCS to comply by April 14, 2025 and closed the case; the order notes that NCS said it did not object to the report and asked for 60 days to comply.
Scope. A civil investigative demand is an information request in an investigation, and a petition to enforce it asks a court to require compliance. The proceeding is not a finding that NCS violated any law, and the pages opened do not state how the investigation ended.
Litigation record: published court decisions and recent filings naming NCS
Scope. A CourtListener (RECAP archive) search of case names containing “National Credit Systems,” run on October 6, 2026, returned about 686 cases. A case name alone does not show that the defendant is this company or what the claims are, so only the decisions read below are described. Federal consumer-protection laws involved: the Fair Debt Collection Practices Act (FDCPA) and the Fair Credit Reporting Act (FCRA). A complaint is an allegation, not a finding.
Ward v. National Credit Systems, Inc. (10th Cir., No. 25-1078, opinion filed July 20, 2026). The opinion says a landlord evicted a tenant who had rented in Ward's name using his information (Ward says without his knowledge), obtained a default judgment, and placed the debt with NCS, which reported it to credit bureaus. Ward disputed it as identity fraud; NCS investigated, could not confirm his claim and did not correct its reporting. In the District of Colorado (No. 1:21-cv-02597) a jury found NCS negligently failed to reasonably investigate and awarded $500,000 for emotional distress. The Tenth Circuit held that a consumer must show the disputed information was inaccurate in a way that is “objectively and readily verifiable,” found Ward's claim did not meet that standard, reversed and vacated the judgment, and directed entry of judgment for NCS on that claim. The district court had earlier granted NCS summary judgment on Ward's willfulness claims.
Pucillo v. National Credit Systems, Inc. (7th Cir., No. 21-3131, 66 F.4th 634, April 26, 2023). A tenant whose rent debt was discharged in bankruptcy sued over two collection letters (2018 and 2019). NCS denied violating the FDCPA and said a bona fide error prevented proper processing of the bankruptcy notice. The Seventh Circuit affirmed dismissal for lack of Article III standing because the letters did not cause concrete injury; it did not decide whether NCS violated the FDCPA.
Reichert v. National Credit Systems, Inc. (9th Cir., No. 06-15503, 531 F.3d 1002, filed July 7, 2008). NCS tried to collect a lease debt that included a $225 fee charged by the landlord's attorney for writing a letter. The Ninth Circuit affirmed summary judgment for the debtor on the FDCPA claim (15 U.S.C. § 1692f(1)) and held NCS had not established the bona fide error defense on the record.
Smith v. National Credit Systems Inc. (D. Md., No. 1:25-cv-03044-BAH). Gloria Smith sued on September 15, 2025 under 15 U.S.C. § 1692c(c) of the FDCPA, alleging that after she texted that she would not pay, NCS replied with an automated message asking for her email address. NCS moved to dismiss. In a memorandum opinion dated August 12, 2026, the court wrote “NCS's motion to dismiss is denied.” This is a ruling on a motion at the pleading stage, not a decision on the merits; the statements above are Smith's allegations.
Other recent filings. RECAP lists new cases against “National Credit Systems” filed in August and September 2026 in several federal districts. One is Hufty v. National Credit Systems, Inc. (N.D. Ga., No. 1:26-cv-04689, filed August 18, 2026): the CourtListener docket lists a complaint with jury demand and a summons issued to NCS, and gives the cause as the Fair Debt Collection Act. The claims are allegations and no outcome is known.
Complaints about collection practices can be reported to the CFPB, FTC and your state attorney general (see the first section).
Is National Credit Systems Legitimate?
Facts checked on October 7, 2026. National Credit Systems, Inc. operates nationalcreditsystems.com, which identifies it as a debt collector and gives a Marietta, Georgia PO box, a toll-free number and an email address. BBB lists it as a corporation with a business start date of August 1, 1991 and a rating of F; BBB says it is not accredited and cites failure to respond to 185 complaints and 97 unresolved complaints (see Complaint record). The CFPB database lists 21,845 complaints about the company. NCS's own License Information document lists a Nevada license (CAD10290) and NMLS 939618, which were not checked against regulator records. Three published federal appeals decisions are described above: a 2008 Ninth Circuit affirmance of summary judgment against NCS on an FDCPA claim, a 2023 Seventh Circuit affirmance dismissing a claim for lack of standing, and a July 2026 Tenth Circuit decision vacating a $500,000 jury verdict against NCS. The CFPB also lists a petition to enforce one of its civil investigative demands against NCS (see Regulator proceeding).
What was not established. The sources checked did not allow this page to confirm a street address for the company, a parent company, or licenses outside the Nevada/NMLS items NCS lists. The CFPB's public page on its petition to enforce an investigative demand is summarized under Regulator proceeding; an investigative demand and a petition to enforce it are not findings that any law was violated. The FTC case search result page was not conclusively read.
Receiving an NCS notice does not by itself show you owe the debt; you have the validation and dispute rights listed in the first section, whoever the collector is.
Court & Public Records
| Case | Authority | Dates | Type | Outcome | Source |
|---|---|---|---|---|---|
| Ward v. National Credit Systems, Inc. (FCRA unreasonable-investigation claim; appeal) Docket No. 25-1078 (D. Colo. No. 1:21-cv-02597) | U.S. Court of Appeals, 10th Circuit (from D. Colo.) | — | Appeal decided | Appeal decided — see outcome Opinion filed July 20, 2026. After a jury found NCS negligently failed to reasonably investigate a consumer's identity-fraud dispute and awarded $500,000 for emotional distress, the Tenth Circuit held a consumer must show the disputed information was inaccurate in an “objectively and readily verifiable” way, found the claim did not meet that standard, reversed the denial of NCS's post-trial motion, vacated the judgment and remanded with direction to enter judgment for NCS on that claim. | Source |
| Pucillo v. National Credit Systems, Inc. (FDCPA; appeal) Docket No. 21-3131 (S.D. Ind. No. 1:19-cv-00285) | U.S. Court of Appeals, 7th Circuit (from S.D. Ind.) | — | Appeal decided | Appeal decided — see outcome The plaintiff sued over two collection letters about a debt discharged in bankruptcy. NCS denied violating the FDCPA and said a bona fide error prevented proper notice of the bankruptcy. The Seventh Circuit affirmed dismissal for lack of Article III standing (no concrete injury); it did not decide whether the FDCPA was violated. 66 F.4th 634. | Source |
| Reichert v. National Credit Systems, Inc. (FDCPA; appeal) Docket No. 06-15503 | U.S. Court of Appeals, 9th Circuit (from D. Ariz.) | — | Appeal decided | Appeal decided — see outcome NCS tried to collect a lease debt that included a $225 attorney-letter fee. The district court granted summary judgment to the debtor under 15 U.S.C. § 1692f(1); the Ninth Circuit affirmed, holding NCS had not established the bona fide error defense on that record. 531 F.3d 1002. | Source |
| Hufty v. National Credit Systems, Inc. (complaint with jury demand) Docket No. 1:26-cv-04689 | U.S. District Court, N.D. Georgia | Filed | Filed — no final outcome recorded Complaint with jury demand filed August 18, 2026 (assigned to Judge Steve C. Jones); the docket lists the cause as the Fair Debt Collection Act. Entries read on the CourtListener docket: the complaint, a summons issued as to NCS (August 18) and a certificate of interested persons (August 19). The claims are allegations and no outcome is known. | Source | |
| Smith v. National Credit Systems Inc. (FDCPA 1692c(c); motion to dismiss denied) Docket No. 1:25-cv-03044-BAH | U.S. District Court, D. Maryland | Filed | Filed — no final outcome recorded Plaintiff alleges NCS's automated reply to her text message continued collection after she said she would not pay, in violation of 15 U.S.C. § 1692c(c). On August 12, 2026 the court issued a memorandum opinion stating “NCS's motion to dismiss is denied.” This is a pleading-stage ruling, not a decision on the merits; the facts are allegations. | Source | |
| CFPB v. National Credit Systems, Inc. (petition to enforce civil investigative demand) Docket No. 1:24-cv-05809-TRJ | U.S. District Court, N.D. Georgia | — | Filed | Filed — no final outcome recorded The CFPB petitioned to enforce a civil investigative demand issued October 21, 2022. On February 13, 2025 the court adopted the magistrate judge's report, granted the amended petition in part and denied it in part, denied the original petition as moot, directed NCS to comply by April 14, 2025 and closed the case. The order is not a finding that NCS violated any law. | Source |
Related Complaints
Names this company in a role other than the primary subject — not necessarily current or complete.
Frequently Asked Questions
What is National Credit Systems and who is it collecting for?
National Credit Systems, Inc. describes itself as a debt collection agency whose service is “the collection and recovery of accounts receivable placed with us by our clients”; its consumer pages are written for former residents of rental properties with past-due balances. NCS's consumer page focuses on former-resident rental debt, but this page does not identify every client or creditor. The FTC says validation information names “the creditor you owe it to,” and that you can ask for information about the original creditor within 30 days of getting validation information. Source pages opened October 7, 2026.
How can I dispute a debt that National Credit Systems says I owe?
The FTC says to send the collector a written dispute letter within 30 days of getting validation information, asking for verification; the collector must then stop collecting until it sends written verification. NCS's Contact Us page says to log in with your account number and use the “Contact Us” button, and it lists 800-367-1050 and PO Box 672288, Marietta, GA 30006. Send disputes in writing and keep copies (FTC suggests certified mail with return receipt). Pages opened October 7, 2026.
What must a collector tell me about the debt?
CFPB says a collector must provide validation information in the first communication or within five days, including the creditor's name, the amount owed and how to dispute the debt. CFPB also says that in certain situations you only have 30 days after contact to ask for certain information, though it is still worth asking later. Page opened October 7, 2026.
What can I do if National Credit Systems appears on my credit report and I think it is wrong?
The FTC says to dispute with the credit bureau and with the business that supplied the information, in writing and with supporting documents. The bureau has 30 days to investigate and must give you the results in writing. If the account came from identity theft, the FTC points to IdentityTheft.gov. A July 2026 Tenth Circuit decision (Ward v. National Credit Systems) discusses what a consumer must show in a furnisher-investigation claim; it is described in the litigation section. Pages opened October 7, 2026.
What if the debt is not mine or I never lived at that property?
CFPB advises asking the collector for evidence that you are the correct debtor and what it relies on to calculate the amount, and sending a dispute letter if you do not recognize the debt. Some archive posts on this site (2007 to 2012) from people who say the notice was not theirs describe the same step; they are individual accounts that this page does not verify. See the first section for CFPB and FTC routes.
What do BBB and the CFPB show for National Credit Systems?
As displayed on October 7, 2026: BBB shows a rating of F, says the business is not accredited, shows 2,309 total complaints in the last 3 years and an average of 1.1 out of 5 from 42 customer reviews. The CFPB database lists 21,845 complaints for “National Credit Systems,Inc.” in total, with 7,492 received since October 7, 2025. The two sources count different things and are not combined.
Where can I report a problem with National Credit Systems?
The FTC's debt collection FAQ lists three places to report a collector: your state attorney general, the FTC and the CFPB. You can also file a complaint with BBB or contact NCS directly at the channels in the first section. The FTC adds that you can sue within one year of a violation. Pages opened October 7, 2026.
Have courts decided cases involving National Credit Systems?
Published appeals decisions include Reichert v. National Credit Systems (9th Cir. 2008, summary judgment for the debtor affirmed on an FDCPA claim), Pucillo v. National Credit Systems (7th Cir. 2023, dismissal for lack of standing affirmed) and Ward v. National Credit Systems (10th Cir., July 20, 2026, $500,000 jury judgment reversed and vacated). In Smith v. National Credit Systems (D. Md.), a court denied NCS's motion to dismiss on August 12, 2026, which is not a decision on the merits. Details and scope are in the litigation section; recent filings have unknown outcomes. The CFPB also lists a petition to enforce an investigative demand against NCS, which is not a finding of a violation.
Is asking a collector to stop contacting me the same as disputing the debt?
The FTC treats them as different steps: a stop-contact letter asks the collector to stop contacting you (keep a copy; the collector may still confirm it will stop or say it plans a specific action such as a lawsuit), while a dispute letter within 30 days of validation information asks for verification of the debt. The FTC also says that before reporting a debt to a credit reporting company a collector must talk to you or send a notice and wait, usually 14 days. Page opened October 7, 2026.