National Commercial Services Inc or NCS is a third-party collection agency based in Southern California that specializes in commercial debt collection. NCS has received consumer complaints alleging violations of the Fair Debt Collection Practices Act (FDCPA), including threatening to take actions that cannot legally be taken and attempting to collect debts not owed. If you have been contacted by NCS, make sure you understand your rights before responding.
The harassing company pays our fees.
They’re legit. According to the BBB, National Commercial Services, Inc. is a legitimate collection agency founded and incorporated in 1996. The BBB lists NCS as a collection agency and insurance service. Buzzfile estimates NCS’s annual revenue at $1.2 million and the size of its headquarters staff at 52 employees.
According to its website, National Commercial Services “is an experienced and specialized subrogation and commercial collection agency” and represents “top-tier insurance companies and business enterprises throughout the nation with…knowledgeable expertise in all aspects of subrogation and commercial matters.” NCS is nationally licensed and bonded and a member of both the National List of Attorneys and Gold Sponsors of the National Association of Subrogation Professionals.
National Commercial Services mission is to ensure “productive dialogue commences” with “the tortfeasor or debtor” as soon as possible to ensure as high a rate of return as possible. NCS’s philosophy is that “every payment received is the result of successful communication,” so their “recovery professionals are assertive, fair, consistent, tenacious, and resourceful.”
National Commercial Services provides full-service subrogation and commercial collection services. They utilize state-of-the-art technology, a multi-lingual staff, an excellent research and skip trace department, and exceptional mediation and arbitration services. NCS’s tort and subrogation recovery division specializes in automotive, including commercial trucking and private passenger; uninsured motorist claims; property, including inland marine/cargo; closed file reviews; workers’ compensation; and construction defect. NCS’s commercial collections division specializes in fidelity and surety bonds; construction lien collections; pharmaceutical billings; liability deductibles; and unpaid premium loss. NCS also employs an in-house legal team for cases in which “litigation is necessary and beneficial.”
The FDCPA only regulates the collection of consumer debt. National Commercial Services is primarily a commercial debt collector. However, NCS collectors “are thoroughly tested and must sign a statement of compliance with FDCPA on their first day on the job.” In addition, “each manager acts as a compliance supervisor while monitoring collectors, in addition to keeping current with any changes and updates to FDCPA guidelines.”
Who are we? We are Lemberg Law, a Consumer Law Firm
Lemberg Law is a consumer law firm helping victims of collection harassment and abuse. We are ranked A+ by the BBB. We’ve helped more than 15,000 consumers stop harassment and recover money from debt collectors. Harassed? Abused? Misled by a collector? Call our Helpline today! There is no charge unless we win.
The BBB has closed 43 complaints against National Commercial Services in the past three years, with 19 complaints closed in the past 12 months. All of those complaints alleged problems with billing and collections. Since March 2015, the Consumer Financial Protection Bureau (CFPB) has closed 25 complaints against NCS. Justia lists at least 3 cases of civil litigation involving National Commercial Services.
National Commercial Services, Inc.
6644 Valjean Ave., Suite 100
Van Nuys, Ca 91406
Telephone: (888) 355-4400
Website: https://ncssubro.com/
It is illegal for a debt collector to make empty threats to sue you or garnish your wages. It is also unlikely National Commercial Services would sue you for a debt you may not owe or they cannot validate. However, debt collection agencies are known to have summoned debtors to court and garnish wages after a default judgement. Contacting an attorney BEFORE this could possibly happen would be a smart move. We’ve helped thousands of consumers fight back against unscrupulous debt collection harassers. Find out if we can help you too today!
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Unlawful Debt Harassment? Learn the Law & Sue the Collector.
Absolutely. Here are some Sample Cases against National Commercial Services Inc
Complaints about National Commercial Services frequently cite problems resulting from extremely aggressive, rude, and hostile collection representatives, often making contact about debts that have been legally disputed. In November 2016, a complainant indicated she had received phone message from an NCS representative who indicated he wanted to discuss an automobile accident that had occurred a year previously. The complainant called him back immediately, but the representative allegedly “proceeded to rudely tell…her that she had ignored his previous phone calls and letters and his client’s previous phone calls and letters.” The complainant explained to him that she had not received any prior contact, and that his phone call was the first time she had been contacted about the matter. After the phone call, the representative sent the complainant an email regarding the auto accident. The next week, she received a follow-up letter dated the day following the phone call, and the letter stated that the representative had not been able to contact her. The complainant indicated she “really did not appreciate his condescending attitude or his rudeness.”
In response, National Commercial Services denied the complainant’s allegations. They posted a call log as documented evidence that the representative had called her number three times, including two times prior to the day of the call in the complaint. The representative also posted a letter that was allegedly sent out several days prior to the phone call in question, and again on the day of the phone call. The representative blamed the U.S. Postal Service because it takes them 2 to 5 days to deliver mail. NCS concluded by thanking the complainant for her “willingness to take responsibility for the incident and make payments.”
The complainant rejected NCS’s attempt at resolution, indicating that although National Commercial Services may have made phone calls, they did not leave any messages. In addition, she had not received any letters prior to the call cited in the complaint. She did indicate she had received a “nasty” letter the day after she spoke with the NCS representative on the phone. She also indicated that if NCS had left voice mail messages during their initial contact attempts, she would have called back sooner, and that this held true with the letters that had allegedly been sent. She expressed her concern that NCS had “dropped the ball… and… taken it upon themselves to blame” her. She complained that the entire mistake will have a negative effect on her credit and that she should not be penalized for their mistakes.
National Commercial Services replied to her rebuttal by stating that their representatives are not required to leave voice mail messages “when calling a claimant about an account” and because “many people, upon receiving a voicemail from a number that they do not want to hear from again… will block the number…NCS hopes that it makes sense to the complainant that voicemails are not always the best business decision.” He also defended the letters, indicating “all letters are form letters and are not nasty or specific to the NCS representative nor the complainant.” After dismissing the complainant’s concerns, NCS assured her the item would not appear on her credit report “unless she defaults on her promissory note to repay the amount due.”
Federal laws protect you. The Fair Debt Collections Practices Act (FDCPA) regulates the behavior of collection agencies by prohibiting actions such as the use of abusive or threatening language; harassment; or the use of false or misleading information to collect a debt. The FCRA regulates how collection agencies and creditors report delinquent debts to credit reporting agencies. Additional consumer protection laws include the Telephone Consumer Protection Act (TCPA) and the Consumer Financial Protection Act (CFPA).
But here’s the rub: If you want to enforce your rights, or recover money for violations — you need to sue. These laws provide individuals like you with a means to seek monetary damages in court. For example, the FDCPA allows consumers who have been violated to recover damages of up to $1,000, plus attorney fees and court costs.
Your debt harassment checklist:
“As we discussed on the phone earlier today, this settlement is perfectly okay to me. I need to thank you and all of your cohorts at Lemberg Law to get a project handled so professionally. Please allow Amy, the first person who contacted me from Lemberg, know how much I appreciate her efforts, kindness, and professionalism.”
“I won’t be afraid to contact you or recommend your services to others for applicable legal issues. Please keep up the outstanding work you do, and again, thank you for helping me through this challenging time. I’m most grateful. I can not say thank you enough!”
“I received outstanding professionalism from the own staff. I had a horrible experience when trying to solve a debt. 1 debt collector associate said she would speak to the prosecutor’s office and another representative told me that when I called the office back he would call the police and have me arrested. I had been insulted, mocked, and threatened, and feared that the police would appear at my door any given moment.”
“I just wanted to let you know we received the check from your office on now and I wanted to take some time to inform you that we really appreciate all of your efforts in this matter.”
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Sergei Lemberg is an attorney focusing on consumer law, class actions related to automotive issues, and personal injury litigation. With nearly two decades of experience, his areas of practice include Lemon Law (vehicle defects), Debt Collection Harassment, TCPA (illegal robocalls and texts), Fair Credit Reporting Act, Overtime claims, Personal Injury cases, and Class Actions. He has consistently been recognized as the nation's "most active consumer attorney." In 2020, Mr. Lemberg represented Noah Duguid before the United States Supreme Court in the landmark case Duguid v. Facebook. He is also the author of "Defanging Debt Collectors," a guide that empowers consumers to fight back against debt collectors and prevail, as well as "Lemon Law 101: The Laws That Lemon Dealers Don't Want You to Know."
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Me and my husband had an accident 2 years ago no one got tickets and we had insurance until they found out we parked the car in Georgia they are threatening to suspend our drivers license can they do this?
I was able to set up a Conditional release with NCS. They payment arrangement was going fine it was an affordable payment every month until my owed debt was paid off. I was dealing with one agent the whole time. Then as soon as coronavirus started to spread some how another agent would get a whole of my case. She very unprofessional and unreliable she never answers her phone. I’ve been calling her and leaving voice messages. Didn’t here anything back from her for months. Got a hold of her just to have her threatened to send the arrangements in default. I respond with I been trying to get a hold of some one but she hung up. Got A hold of her three days from that just for her to say she sent the arrangement in default. Now my license suspended what legal action can I take against her.
I have gotten into a crash, was turning into a store and the guy who hit me, was 1 mile away, he hit me and totaled my Lincoln Town car signature limited car, he had a 2014 toyota camary, NCS says i owe almost 10k in damages! He got in his car and drove away and mine had to be towed home, requested paperwork for damages on other dude’s car and 1 year later they threaten me (yet again) with legal actions, then they threatened to suspend my license and have me arrested. is that EVEN POSSIBLE!!??!?!?!?
I was in a 3 car collision and now NCS is only reaching out to me saying that I have to Pay 8,800 dollars and they requested to get my license revoked. I went to 201 popular and to the DMV and I was told all I have to do to is get on a payment plan with them they suppose to send out a clearance letter for my license without even paying a dime first as long as I’m agreeing to pay. I called NCS and tried to set up an payment plan but one of the agents said I can not do that I have to pay the total of 2000 up front for a clearance letter. What can I do?
Can NCS have my license suspended? I got into a car accident in a company car. They are saying they don’t have the insurance co. So I’m being sued.
CAN NATIONAL COMMERCIAL SERVICES CONTACT THE DEPARTMENT OF MOTOR VEHICLE IN FLORIDA AND REQUEST THAT MY DRIVERS LICENSE BE SUSPENDED
I am been contacted and Harass for a day at nearly 40,000!!??
I spoke with the other party insurance company
Confirming I was not at fault. Not tickets was given out.
I was in a car accident last year in July the police officer wrote out a report with information given but no tickets was given to either party . The other vehicle was at fault trying to enter my lane and hit my car from the right side fender. Later I was contacted and found out my insurance company dropped me from my insurance because of this event.
Nearly 10 months later I’m being harassed by NATIONAL COMMERCIAL SERVICES asking nearly $40,000!!! Insane
I have a collection account from NCS from when I was about 19. My boyfriend at the time had taken my car and wrecked it while I was sleeping. I had insurance on said vehicle but no coverage for my deadbeat boyfriend at the time. A while after the accident I recieved a notice from NCS saying that I owed them money because of the accident. I had paid on it for years, without it being reported to any credit bureau (10 years roughly) I am unsure if the deadbeat ex is even paying on it at all, despite him being the one who caused the wreck. I have recently stopped paying because I am uncertain if it is even my responsibility? They have threatened to suspend my license. What should I do?
Hi, I am getting calls from NCS Services for a year older accident.
In that accident other party was trying to do fraud , of which I had a video proof and after seeing that Municipal Court Judge gave warning to the other party for doing such kind of unethical behavior and gave me ORDER OF DISMISSAL on that accident.
Now this NCS Services calling me and emailing for the debt of $840. In my last conversation he mentioned that other party who was involved in that accident is dead and his wife wants to drive that car that’s why I should give money to this company.
I can forward the email I got from them , Please help me out.
Thanks & Regards