National Credit Systems, Inc.

Pros: None
Cons: All Cons

If someone owes you a debt and you really want to collect on your debt, DO NOT hire these people to collect it for you!!!

We all get into a financial bind at some time in our lives and the debtor sicks the collector on us. I have...

Pros: there is nothing positive I have to say about this company.
Cons: unorganized, incompetent, abusive, and threatening.

I have been harassed by this company for the past 3 months. After reaching a settlement agreement, I simply asked for a letter in writing stating the settlement amount agreed upon, as well as a signature on the bottom of the page. However, what I ...

Pros: They opertae in illegal manner. They are not reliable.
Cons: They opertae in illegal manner. They are not reliable.

I signed a lease with an Apartment for one year. Due to change in Job, I had to terminate the lease earlier. Per lease aggrement, If i end lease earlier, i need to pay 2 months rent and one month lease termination fee. I paid that amount to Apartment per ...

Pros: None
Cons: Incompetency, rudeness, lack of knowledge of the Fair Credit Reporting Act, nonsecure website

I paid a payment online to this bunch, even printed the page that said "thank you for your payment". Guess what. I week went by and I was being harassed yet again by a Ms Payton that works there and she wouldnt believe that I paid it online. I reported ...

Pros: Good Company.  Fair. Cost Effective. Great results.
Cons: Confused with other companies by the same name.

These reviews are not an accurate representation of the business practices of the company whos logo is being shown.  There are 3 more companies in the country using that name.  One in GA, one in AZ, and one in MD.  The logo is that of a ...

Pros: There are no pros. They have illegal reporting and harassment practices in my state.
Cons: Only con's. Rude, inconsiderate, illegal practices according to state law here, to name a few.

I was forced into Bankruptcy, Chapter 7, in 2001. I filed and all went fine as far as a Bankruptcy can. I told NCS this over and over again. The illegally harassed me according to my state law. They refused to acknowledge me and this fact. They told ...

Pros: USE NCS IF YOU DESERVE THE MONEY OWED
Cons: BAD FOR THOSE WHO DO NOT WANT TOP PAY.

MY FIRM HAS MANY GOOD CLIENTS. RECENTLY TWO DECIDED THAT THEY WERE NOT GOING TO HONOR THE AGREED PRICE FOR SERVICES PROVIDED. ONE REASONED, THAT SINCE THERE WAS A CHANGE IN COMPANY LEADERSHIP, HE DID NOT HAVE TO HONOR OUR WRITTEN AGREEMENT, AND MAKE NO MORE OF THE REQUIRED PAYMENTS. THE OTHER JUST CLAIMED THEY WERE IN A "FINANCIAL SQUEEZE" AND WOULD NOT PAY US. NATIONAL CREDIT SYSTEMS SAVED MY FIRM FROM A "FINANCIAL SQUEEZE" AND PREVENTED LAY-OFFS BY COLLECTING ON MONEY OWED IN TWO MONTHS!!!!! YOU PEOPLE THAT ARE COMPLAINING, PAY YOUR BILLS, YOU CAUSE OTHERS TO FACE UNEXPECTED HARDSHIPS BY YOUR OWN NEGLIGENCE.

Pros: Easy to use internet access. Live reports 24/7
Cons: Site doesn't always work. Cant reach anyone at their office.

Poor communication, results were so-so.
Can't ever get anyone on the phone, and the website is hot and cold.

Sounds like a great service, just falls flat after you purchase it.

Pros: I collected 5,000.00 with a 500.00 investment
Cons: customer service at the office could be better

No complaints here. I got more money with a very small investment. I have a great rep that stops by my place of business.

Pros: Cheaper than most
Cons: Poor customer service, poor communication, false claim of easy account management over the web.

I have hired these people to collect debt for me. They claim to have web enabled submissions and account management. Since I have signed up, their web site has been down 4 out of 5 weeks. When I have called to get assistance, their people have been either incompetent or rude. Being rude to your own client is not a good sign. They are non-communicative as far as keeping you updated on your account progress. They had no answer for why the site is down or time line for getting it back up. Very bad experience so far. I would pick another company if I had it to do over.

Pros: Cost us only about 5 cents on the dollar.
Cons: Reminds me of all my clients who should have paid before National got them.

You have never had a problem with your bank? I have used National Credit Systems for over three years now, and I don't see how they can collect so much for the little that they charge. Just compare their prices to the other collection agencies and you'll see that most keep as their fees, 40% or even 50% of the money they collect. That is, if they send you your share, which the last one I used only did after I had to threaten them with a lawsuit. At least with National Credit, the debtors send the money directly to me, not to the collection agency.

And yes, National Credit did send me a check once that bounced. As soon as I called my rep. he explained the problem they had with their bank. National Credit immediately sent me a (good) replacement check including the service charge.

I have recommended National Credit to my colleagues in the past, and will continue to do so.

Pros: NO pros. I didn't feel that I needed to be ridiculed in the collection process.
Cons: Plenty of cons. One shouldn't be ridiculed in dealing with a difficult situation.

As an individual experiencing a difficult situation, my bill from my doctor's office was sent to this business. When speaking to me, there was an individual in the background obviously listening to every word spoken as I must have been put on speaker phone. When asked repeatedly (almost doggedly) when I would be able to pay, I heard the individual in the background announce never in place of my own response. The man who had initially called me confirmed that I was being mocked and ridiculed by apologizing. I can assure you that although I can do nothing but pay my bill to eliminate my having to deal with these people, I will never go back to the doctor who chose to use these unprofessionals for their collections.

Pros: Great service to clients
Cons: some issues related to recent expansion, i.e. web trouble etc.

24 year old company with a history of excellent service, they have many very large clients who continue to purchase because they have an excellent track record. If you're a deadbeat and didn't pay your bills DONT blame the collector, they have a job to do and they do it well.

Pros: They report to the credit bureaus if they can't collect.
Cons: They don't collect it all.

I have been using this collection agency since 1990. I have tried many others just to see if I am getting my money's worth. Nothing else I have tried has been better. Highly recommended if you want to collect the money that is owed you. I even collected money years after I wrote if off as a bad debt. This company rocks!

Pros: None
Cons: None

I have been placed for collection before, but these people called repeatedly, over and over. And when they spoke with me, they would not accept anything less than payment in full including the interest and collection fees.

They didn't want to hear that I would like to pay over time. They wanted the money now. Or they would sue me and take the money out of my bank. They told me that they would garnishee my job and repo my car. Is this legal???

I only owed 766.00 to a local doctor's office. I offered to make monthly payments, but they would have none of it. They reported my account to the national credit bureau and my fico score plummeted. Is this legal???

I finally spoke with a relative and got the money to pay them off, just to stop them from calling me anymore. I spoke with the authorities and they said if I owed the money I should pay. I feel that it was over the top!!!!!

Very unhappy.