National Credit Adjusters purchases and services consumer credit accounts, including loan, card, fintech, and specialty-finance portfolios.
Why this company appears here
NCA is a national debt buyer and collector with a long operating history, broad consumer-finance portfolio coverage, and a public CFPB enforcement record.
Common account types
- Fintech and online loans
- Retail and consumer loans
- Credit-card accounts
- Credit-union accounts
- Subprime and near-prime lending
- Specialty-finance accounts
Check the company before you click or pay.
Match these details to the validation notice, credit report entry, and payment page before sharing account or bank information.
- Legal name
- National Credit Adjusters, LLC
- Known aliases
- NCA / National Credit Adjusters, LLC
- Official website
- https://ncaks.com/
- Consumer portal
- https://ncaks.com/make-a-payment/
- Phone - Consumer support
- 888-768-0674
- Mailing address
- National Credit Adjusters, PO Box 3023, Hutchinson, KS 67504
- Last reviewed
- August 17, 2026
A matching caller ID does not authenticate a caller: numbers can be spoofed. Find contact details independently through the official company website or your original creditor before responding. Separately verify the debt and any payment instructions in writing.
- National Credit Adjusters — National Credit Adjusters
- National Credit Adjusters contact — National Credit Adjusters
- National Credit Adjusters payment guidance — National Credit Adjusters
Find out who actually owns the account.
A collector, servicer, and debt owner are not always the same company. That affects what proof you should ask for.
Possible role: Debt buyer, account owner, and receivables servicer
NCA says it purchases and services consumer credit accounts. It may own an acquired account or service an account transferred to it by another owner.
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Check whether NCA is named as the current creditor or only as the company servicing the account.
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Ask for the original creditor and chain of ownership if the account was sold.
- National Credit Adjusters — National Credit Adjusters
- National Credit Adjusters portfolio acquisition services — National Credit Adjusters
- CFPB validation notice rules — Consumer Financial Protection Bureau
What official records say.
Each note below comes from a dated government, regulator, court, or SEC record. Use it as background, not as proof about your specific account.
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The CFPB entered a consent order against National Credit Adjusters and former chief executive Bradley Hochstein. The Bureau made findings involving unlawful threats, amounts consumers did not owe, and NCA's collection network and debt sales; the respondents did not admit or deny those findings. The order entered $3 million civil money penalty judgments against each respondent, with full payment suspended subject to NCA paying $500,000 and Hochstein paying $300,000, and permanently barred Hochstein from the debt-collection industry.
Source- National Credit Adjusters CFPB consent order — Consumer Financial Protection Bureau
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New York DFS entered a consent order involving NCA's collection of payday loans in the state. NCA agreed to discharge more than $2.26 million, refund $724,577.83 to more than 3,000 consumers, pay a $200,000 penalty, remove negative reporting, and unwind related judgments and liens.
Source- National Credit Adjusters New York consent order — New York Department of Financial Services
Start with the facts you can check.
- NCA says an account may have been purchased by it or transferred to it for servicing, so ownership is account-specific.
- Its online dispute form includes options for not-my-debt, wrong amount, and original-creditor requests, but it asks for the last four digits of a Social Security number. Phone and mail are alternatives.
- Start at ncaks.com to reach the payment service rather than relying on a link in an unsolicited message.
Confirm the account first.
Even a real collector can have the wrong person, wrong amount, old debt, duplicate placement, or incomplete records.
- The collector name, mailing address, phone number, and website on the letter you received.
- Who the original creditor was, who owns or placed the account now, the account number, balance, and date of last payment.
- Whether the debt may be too old for a lawsuit in your state before you pay or promise to pay.
- Whether the account appears on your official credit reports from AnnualCreditReport.com.
- Whether this looks like the kind of account National Credit Adjusters commonly handles: Fintech and online loans, Retail and consumer loans, Credit-card accounts, Credit-union accounts, Subprime and near-prime lending, Specialty-finance accounts.
- National Credit Adjusters — National Credit Adjusters
- National Credit Adjusters contact — National Credit Adjusters
- National Credit Adjusters payment guidance — National Credit Adjusters
- National Credit Adjusters dispute and validation form — National Credit Adjusters
- National Credit Adjusters portfolio acquisition services — National Credit Adjusters
- National Credit Adjusters CFPB consent order — Consumer Financial Protection Bureau
- CFPB validation notice rules — Consumer Financial Protection Bureau
- CFPB debt dispute rights — Consumer Financial Protection Bureau
- FTC debt collection FAQs — Federal Trade Commission
Questions people ask about National Credit Adjusters.
Use these answers to sort out roles, names, portals, and account details before responding.
Why is National Credit Adjusters contacting me?
NCA says a consumer account may have been sold to it or transferred to it for servicing. The validation notice should show the current creditor and account details.
- National Credit Adjusters — National Credit Adjusters
- CFPB validation notice rules — Consumer Financial Protection Bureau
Does National Credit Adjusters own the debt?
It can. NCA describes itself as both a purchaser and servicer of consumer accounts, so check whether NCA is listed as current creditor on your particular notice.
- National Credit Adjusters — National Credit Adjusters
- National Credit Adjusters portfolio acquisition services — National Credit Adjusters
How can I dispute an NCA account?
NCA provides an online dispute and validation form and lists consumer support at 888-768-0674 and PO Box 3023, Hutchinson, KS 67504.
- National Credit Adjusters dispute and validation form — National Credit Adjusters
- National Credit Adjusters contact — National Credit Adjusters
- CFPB debt dispute rights — Consumer Financial Protection Bureau
What did the CFPB order involving NCA say?
In 2018, the CFPB entered a consent order addressing NCA's oversight of collection vendors, sale of accounts, and related practices. The order is a company-level public record and does not determine whether any particular account is valid.
- National Credit Adjusters CFPB consent order — Consumer Financial Protection Bureau
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