Debt collection -- Communication tactics -- Complaint #18058699
Consumer Complains About Aggressive Debt Collection Calls
Complaint Overview
Complaint ID: 18058699
Company: National Credit Systems,INC.
Product: Debt collection
Sub-Product: I do not know
Issue: Communication tactics
Sub-Issue: Frequent or repeated calls
State: Illinois
ZIP Code: 60506
Date Received: 2025-11-30T12:00:00-05:00
Date Sent to Company: 2025-11-30T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Risk Assessment
Risk Level: medium
Frequent or repeated calls can be considered harassment and may violate debt collection regulations.
Consumer Sentiment: neutral
Topics: Debt collection, Communication tactics, Harassment
AI Analysis
CFPB complaint 18058699 was filed against National Credit Systems,Inc. regarding Debt collection (I do not know), specifically about "Communication tactics". A consumer filed a complaint against National Credit Systems, Inc. regarding frequent or repeated calls, which was closed with an explanation. The complaint was received on November 30, 2025 from Illinois. The company responded with "Closed with explanation".
What You Should Do -- Consumer Action Plan
If you are receiving excessive calls from a debt collector, document the calls and consider sending a cease and desist letter.
Legal Context & Consumer Protection Laws
The Fair Debt Collection Practices Act (FDCPA) limits the frequency and time of day debt collectors can contact consumers.
Regulatory Insight
Regulators monitor debt collection practices to ensure compliance with consumer protection laws, particularly concerning communication methods.
Resolution Likelihood
mixed
State-Specific Consumer Protections
The complaint originated in Illinois, a state that also has its own consumer protection laws that may apply.
Industry Comparison
Debt collection agencies often face scrutiny over their communication tactics, with frequent calls being a common point of contention.
Related Issues
Frequently Asked Questions
What is CFPB complaint 18058699 about?
CFPB complaint 18058699 involves Debt collection (I do not know). The consumer reported an issue with "Communication tactics", specifically "Frequent or repeated calls". This complaint was filed against National Credit Systems,Inc. on November 30, 2025.
Which company is complaint 18058699 filed against?
Complaint 18058699 was filed against National Credit Systems,Inc.. You can view all complaints against this company on their profile page at /company/national-credit-systems-inc.
What was the company's response to complaint 18058699?
National Credit Systems,Inc. responded with "Closed with explanation". The response was marked as timely by the CFPB.
When was complaint 18058699 filed?
Complaint 18058699 was received by the CFPB on November 30, 2025. It was sent to National Credit Systems,Inc. on November 30, 2025.
What state was complaint 18058699 filed from?
Complaint 18058699 was filed from Illinois. You can view all complaints from this state at /state/IL.
Was the consumer satisfied with the resolution of complaint 18058699?
Dispute information is not available for complaint 18058699.
What product category is complaint 18058699 about?
Complaint 18058699 is categorized under "Debt collection", specifically "I do not know". This is one of the product categories tracked by the CFPB.
How was complaint 18058699 submitted?
Complaint 18058699 was submitted via Web. The CFPB accepts complaints through web, phone, mail, email, fax, and referral channels.
What are the consumer's legal options for complaint 18058699?
The Fair Debt Collection Practices Act (FDCPA) limits the frequency and time of day debt collectors can contact consumers. This relates to a Debt collection complaint against National Credit Systems,Inc. involving "Communication tactics".
How likely is complaint 18058699 to be resolved?
Resolution likelihood: mixed. The company's current response is "Closed with explanation". The company did respond in a timely manner, which is a positive indicator.
What does the risk level mean for complaint 18058699?
This complaint is rated as medium risk. Frequent or repeated calls can be considered harassment and may violate debt collection regulations.
What regulatory actions apply to complaint 18058699?
Regulators monitor debt collection practices to ensure compliance with consumer protection laws, particularly concerning communication methods. The CFPB tracks complaints like this one to identify patterns of misconduct across the Debt collection industry.
What should the consumer do about complaint 18058699?
If you are receiving excessive calls from a debt collector, document the calls and consider sending a cease and desist letter.
Are there state-specific protections for complaint 18058699?
The complaint originated in Illinois, a state that also has its own consumer protection laws that may apply. This complaint was filed from Illinois.
How does complaint 18058699 compare to industry norms?
Debt collection agencies often face scrutiny over their communication tactics, with frequent calls being a common point of contention.
What constitutes 'frequent or repeated' calls under the FDCPA?
While the FDCPA doesn't define a specific number, courts generally consider calls that cause substantial inconvenience or harassment to be frequent or repeated.
Can a debt collector call me at work?
A debt collector may not contact you at your place of employment if they know or have reason to know that your employer prohibits such calls.
Disclaimer
This analysis is AI-generated and does not constitute legal advice.