Understanding disputes
and complaints with NCA

National Credit Adjusters provides convenient forms for the purpose of submitting complaints or disputes.

Our goal is to provide clear, factual information about what to expect from the process.

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Clear guidance for submitting disputes or complaints

If you believe information on your account may be incorrect or if you have concerns about your experience with National Credit Adjusters, this page is here to help. Use the forms below to share the details of your concern so our team can investigate the matter and respond accordingly.

When to contact NCA

You may want to contact NCA if:

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You do not recognize the account that was acquired by NCA.
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You believe information associated with the account may be inaccurate.
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You believe the account may be connected to identity theft or fraudulent activity.

If your questions are related to a letter, phone call, payment options, or general account assistance, please contact our support team through our standard customer service channels.. Reaching out directly is often the fastest way to get account-specific information and assistance.

What can I  expect after submitting a dispute or complaint?

When National Credit Adjusters receives a dispute or complaint, we review the information provided and conduct an investigation in accordance with applicable laws and regulations. We may also review information available from the original creditor or other relevant sources as part of that process.

Once the investigation is complete, we will notify you of the results and take any actions required based on those findings. 

Submitting a dispute with NCA does not:

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Result in guaranteed changes to credit reporting.
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Does not impact information reported by the original creditor.
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Change ownership of the account acquired by NCA.

You can submit a dispute online or contact our support team.

What to expect from our dispute or complaint processes

National Credit Adjusters aims to provide:

  • A professional and thorough review of the submitted information

  • Timely responses

  • Access to additional documentation as available

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It is important to understand that we cannot:

  • Provide legal advice

  • Modify or delete credit bureau information furnished by the original creditor

  • Influence how credit bureaus display or process information

If your concern relates specifically to identity theft or fraud, additional information may be requested.

Identity theft or
fraud-related concerns

If you believe an account associated with your name may be the result of identity theft, you may choose to:

  • Submit an identity theft report through the Federal Trade Commission (FTC), a police report, or an affidavit of fraud

  • Provide any additional supporting documentation to help NCA investigate the concern

NCA will work with you to understand the circumstances and determine whether additional review is needed. Contact our support team for more detailed information about your specific situation.

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Contact us

If you have questions or concerns about an account acquired by NCA, our support team is available to assist you with clear and accurate information.