Business Profile
Collections Agencies
NCB Management Services, Inc.Headquarters
Important information
- Customer Complaint:Please be advised that due to the high volume of complaints received for this business, BBB publishes 1 out of every 10 complaints handled through our conciliation process.
Complaints
This profile includes complaints for NCB Management Services, Inc.'s headquarters and its corporate-owned locations. To view all corporate locations, see
Customer Complaints Summary
- 688 total complaints in the last 3 years.
- 178 complaints closed in the last 12 months.
If you've experienced an issue
Submit a ComplaintThe complaint text that is displayed might not represent all complaints filed with BBB. Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business.
Initial Complaint
Date:03/02/2024
Type:Status:AnsweredMore info
Complaint statuses
- Resolved:
- The complainant verified the issue was resolved to their satisfaction.
- Unresolved:
- The business responded to the dispute but failed to make a good faith effort to resolve it.
- Answered:
- The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
- Unanswered:
- The business failed to respond to the dispute.
- Unpursuable:
- BBB is unable to locate the business.
I am not liable for this debt with *********** OF ********** LLC I do not have a contract with NCB MANAGEMENT SERVICES they did not provide me with the original contract as I requestedCustomer Answer
Date: 03/07/2024
Proof of correspondence, I sent to the creditor and I was ignored. I have not heard back from them. I attached my original letter to them and my follow up letter to them. I would like to have this resolved and off my credit as I have no contract obligations with either, nor do I have any knowledge of this account.
Business Response
Date: 03/19/2024
March 18, 2024
*****************************
*****************************
Panorama City, CA ******
RE: Complaint Number ********
Dear *****************************,
Thank you for giving NCB Management Services, Inc. (NCB) the opportunity to respond to your concerns.
This account was an internet loan originating with *********** of **********, LLC d/b/a **** on July 29, 2019. NCB purchased this account from **** on December 23, 2021. On December 27, 2021, NCB sent you a letter notifying you that NCB is now the current creditor to whom the debt is owed.
NCB investigated your current dispute by reviewing the information and documents provided by the original creditor, the information you provided and the information from our own system regarding the status of your account. The documents we have do not substantiate the allegations in your dispute. Our investigation confirmed the debt is valid and owed, and the information we reported to the credit reporting agencies was accurate and complete.
NCB respectfully disagrees with the allegations in your complaint. A review of our records finds no direct request for the debt validation documents had been received by NCB prior to the receipt of this complaint. In a separate mailing to the address in your complaint, NCB will provide debt validation documents which include a copy of the electronically signed online application and loan agreement, a financial transaction history of the account, and a copy of the bill of sale agreement between NCB and Rise.
NCB has updated our reporting to reflect the status of your dispute. Should you have any further concerns, please contact NCB at ************.
Sincerely,
***************************
Chief Compliance Officer
NCB Management Services, Inc.Initial Complaint
Date:02/24/2024
Type:Status:AnsweredMore info
Complaint statuses
- Resolved:
- The complainant verified the issue was resolved to their satisfaction.
- Unresolved:
- The business responded to the dispute but failed to make a good faith effort to resolve it.
- Answered:
- The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
- Unanswered:
- The business failed to respond to the dispute.
- Unpursuable:
- BBB is unable to locate the business.
I am not liable for this debt with ****** *******. I do not have a contract with NCB Management Services, Inc. They did not provide me with the original contract as requested.Customer Answer
Date: 02/26/2024
This was a verbal requestBusiness Response
Date: 03/12/2024
March 12, 2024
**********************
****************************
College Park, GA *****
RE: Complaint Number ********
Dear **********************,
Thank you for submitting your concerns and providing NCB Management Services, Inc. (NCB) an opportunity to respond.
The referenced account was an auto loan originating with ****** ******* LLC (******) on July 21, 2015, for the purchase of a 2012 ***** *******. NCB purchased the account from ****** on August 16, 2023. This transfer included all pertinent information needed to confirm the debt is valid and owed, as well as ****** assigning to NCB all of its rights related to the debt, including the right to collect and credit report the debt as permitted by law.
NCB notified you of this transfer through our letter dated August 24, 2023,outlining NCB as the current creditor to whom the debt is owed and advising of your right to dispute the debt and request validation. During this validation period, we waited over a month for you to respond before credit reporting the account on October 13, 2023.
In response to indirect tradeline disputes you made with the credit reporting agencies, NCB investigated and verified account information multiple times since January 2023. As part of its response, NCB verified the information reported was accurate and reflected the information provided by the original creditor, ******.
This correspondence together with your similar CFPB Complaint ******-********, is the first direct dispute received by NCB. NCB investigated your current dispute by reviewing the information you provided, the information and documents provided to us by the original creditor, and data from our own system regarding the status of your account. The documents and data we have do not substantiate the allegations in your dispute concerning this account. Our investigation confirmed the information we reported to the credit reporting agencies (CRAs)was accurate, complete, and reported in compliance with the FCRA and ***** * credit reporting standards.
In a separate mailing to the address in your complaint, NCB will provide debt validation documents which include a copy of the signed contract, the deficiency notice, a financial transaction history of the account, and a copy of the bill of sale agreement between NCB and ******. We trust this information helps to clarify things for you.
In sum, NCB did not violate the FCRA or the FDCPA. NCB has a permissible purpose to credit report your debt, the information we reported was accurate, and we met our obligation to investigate and respond to your disputes as required by law. NCB updated our reporting to the CRAs to reflect the status of your dispute.
At NCB, we strive to collaborate with consumers to help them achieve financial freedom. In keeping with this goal, we welcome the opportunity to work with you as there are many options available to assist in finding a resolution for this account. Should you have any further concerns, please do not hesitate to contact NCB at ************.
Sincerely,
***************************
Chief Compliance Officer
NCB Management Services, Inc.Initial Complaint
Date:02/13/2024
Type:Status:AnsweredMore info
Complaint statuses
- Resolved:
- The complainant verified the issue was resolved to their satisfaction.
- Unresolved:
- The business responded to the dispute but failed to make a good faith effort to resolve it.
- Answered:
- The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
- Unanswered:
- The business failed to respond to the dispute.
- Unpursuable:
- BBB is unable to locate the business.
the company continues to harass me at my place of employment.Business Response
Date: 02/28/2024
February 28, 2024
*******************************
************************
Chino Valley, AZ *****
RE: Complaint Number ********
Dear *******************************,
Thank you for submitting your concerns and providing NCB Management Services, Inc. (NCB) an opportunity to respond.
The debt NCB is attempting to collect was an internet loan originating with ************* & ***** ** (*************) on February 17, 2023. NCB purchased the account from ************* on January 24, 2024, as stated in our attached letter emailed to you on January 29, 2024.
NCB respectfully disagrees with the assertions that we continued to call you or contact you with an intent to harass you in any way after receiving your email notification to cease calls on February 13, 2024. A review of our records finds that prior to that notification, the number of call attempts made was reasonable, at times permitted under applicable law, and were in accordance with NCB policy. Our review finds that we acted within the guidelines of the FDCPA.
NCB respects your preference to cease all communications with you. Upon receiving this correspondence, we have ceased communicating with you directly,
Should you have any further concerns, please contact us at ************.
Sincerely,
***************************
Chief Compliance Officer
NCB Management Services, Inc.Initial Complaint
Date:01/30/2024
Type:Status:AnsweredMore info
Complaint statuses
- Resolved:
- The complainant verified the issue was resolved to their satisfaction.
- Unresolved:
- The business responded to the dispute but failed to make a good faith effort to resolve it.
- Answered:
- The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
- Unanswered:
- The business failed to respond to the dispute.
- Unpursuable:
- BBB is unable to locate the business.
I applied for something in my name last September 2023 but I got denied. When I was provided a copy of my credit report for the first time, I saw many items there that are inaccurate. Inquiries and an address that is not mine were on my report as well as overload of accounts that I never opened. I have contacted the creditors to make them aware of the breach and theyre requesting to fill out a full Packet to show cause in order for them to cease reporting to my credit due to this possible identity theft. I also found this account that I believe not mine: Acct name: NCB (Original Creditor: ** ******** **** ***** **)acct no. ******date opened 04/01/2019 balance $0.00 I am not liable for this debt and I do not have a contract with: Company: NCB MANAGMENT SERVICES Address: 1 ALLIED DRIVE TREVOSE, PA 19053 Tel No: ************** Police Report and FTC Affidavit are attached with this complaint together with dispute letter sent to the bureaus and the authorization for release of information. I also filed complaints thru CFPB. Please delete this account from my credit report at once. Any questions or concerns I can be reached at ******************************************************** and email at ******@*****.com.I need a response from the company.Business Response
Date: 02/13/2024
February 13, 2024
***********************
**** *** *** *****
Lake Worth, FL *****
RE: Complaint Number ********
Dear ***********************,
Thank you for giving NCB Management Services, Inc. (NCB) the opportunity to respond to your concerns.
We have completed a review of the matter. Our records indicate that a trade line deletion was not part of the arrangement you made when you called our offices on April 28, 2021, to settle this account. NCB received your final payment to complete that settlement on June 4, 2021.
At NCB, our goal is to work with consumers to resolve whatever differences may be involved. In keeping with this goal, NCB has requested its tradeline be deleted with all credit bureaus that we had previously reported your account. Please allow upto 45 days for the credit bureaus to process and update their records. Should you have any further concerns, please contact NCB at ************.
Sincerely,
***************************
Chief Compliance Officer
NCB Management Services, Inc.Initial Complaint
Date:01/07/2024
Type:Status:AnsweredMore info
Complaint statuses
- Resolved:
- The complainant verified the issue was resolved to their satisfaction.
- Unresolved:
- The business responded to the dispute but failed to make a good faith effort to resolve it.
- Answered:
- The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
- Unanswered:
- The business failed to respond to the dispute.
- Unpursuable:
- BBB is unable to locate the business.
i am not liable for this debt with ********* ******** ***. i do not have a contract with the collection agency trying to collect and reporting my credit report. they did not provide me with the original contract as requestedCustomer Answer
Date: 01/14/2024
the letter requested is in the attachment i submitted. if any additional information is needed please let me know. thanksBusiness Response
Date: 01/30/2024
January 30, 2024
*************************
******************;
Miami, FL*****
RE: Complaint Number ********
Dear *************************,
Thank you for giving NCB Management Services, Inc (NCB) the opportunity to respond to your concerns.
The debt at issue is an auto loan originating with ********* ******** *** *** (*********) on March 30, 2017, for the purchase of a 2015 ****** ******. You entered into an agreement with the original creditor, *********. That agreement made you responsible for paying this debt and gave ********* the right to collect it from you.
When the account was not paid as agreed, ********* sold the debt and transferred its right to collect, and credit report the debt to NCB on March 28, 2022. ********* may transfer its rights to NCB without your permission or signature. You are still bound by your original agreement to pay this debt. The difference is that NCB now owns the right to collect it from you. NCB is your current creditor. Our initial letter containing the required disclosures was mailed to you on May 3, 2022.
We investigated your current dispute by reviewing the information you provided, the information provided by your original creditor and the information in our records regarding the status of your account. The documents we have do not substantiate the allegations in your dispute. Our investigation confirmed the debt is valid and the information we reported accurately reflects this information provided by your original creditor, *********.
In response to your request, NCB will, in a separate mailing to the address on file, provide debt validation documents which will include a copy of the signed contract, the deficiency notice, a financial transaction history of the account, and a copy of the bill of sale agreement between NCB and *********. Furthermore, please rest assured that NCB respects your preference to cease all communications with you. Upon receiving your prior cease request in July 2022, NCB ceased communicating with you directly, and will continue to honor this preference in the future.
At NCB, we strive to collaborate with consumers to help them achieve financial freedom. In keeping with this goal, we welcome the opportunity to work with you as there are many options available to assist in finding a resolution for this account. NCB updated our reporting to the credit reporting agencies regarding this account to reflect the status of your dispute. Should you have any further concerns, please contact NCB at 833-225-5303.
Sincerely,
******* ******
Chief Compliance Officer
NCB Management Services, Inc.
************Initial Complaint
Date:12/26/2023
Type:Status:AnsweredMore info
Complaint statuses
- Resolved:
- The complainant verified the issue was resolved to their satisfaction.
- Unresolved:
- The business responded to the dispute but failed to make a good faith effort to resolve it.
- Answered:
- The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
- Unanswered:
- The business failed to respond to the dispute.
- Unpursuable:
- BBB is unable to locate the business.
15 USC Code 1692j- Furnishing certain deceptive forms NCB MANAGEMENT SERVICE Acct # ******** I request that NCB Management Service provide proof of the alleged item. I request to be provided with specially the Original application contract from Exeter Finance LLC , note or another instrument bearing my signature. In addition, any contract signed between the debt collector and the original creditor is notarized and sworn under penalty and perjury granting this debt collector ability to collect this debt. Failing to do so, the item must be deleted from the report as soon as possible or pay a fine of $1000 per violation. Please have the creditor provide the validation document to the BBB as well as certified mail to me. It's extremely important that the creditor provides the documents to BBB to ensure fairness and that they are not brushing me off. Thank you for your assistance.Business Response
Date: 01/11/2024
Dear *********************************,
Thank you for submitting your concerns and providing NCB Management Services, Inc. (NCB) an opportunity to respond.
The referenced account was an auto loan originating with ****** ******* *** (******) on February 5, 2016, for the purchase of a 2011 ******** ***. NCB purchased the account from ****** on September 21, 2020. The loan agreement has you listed as the buyer and another individual with whom you shared an address, listed as co-buyer. As part of the purchase, the original creditor provided all pertinent information needed to confirm the debt is valid and owed, as well as ****** assigning to NCB all of its rights related to the debt, including the right to collect and credit report the debt as permitted by law. NCB notified you of this transfer through our letter dated September 25, 2020, outlining NCB as the current creditor to whom the debt is owed.
A review of our records indicate this correspondence is the first direct dispute and request for debt validation received by NCB. NCB investigated your dispute by reviewing the information you provided, the information and documents provided to us by the original creditor, and data from our own system regarding the status of your account. The documents and data we have do not substantiate the allegations in your dispute concerning this account. Our investigation confirmed the debt to be valid and owed, and the information we reported to the credit reporting agencies (CRAs) was accurate, complete, and reported in compliance with the FCRA and Metro 2 credit reporting standards.
NCB will provide the debt validation documents to the address in your complaint, and as an attachment along with our response. These documents include a copy of the signed contract, the deficiency notice, a financial transaction history of the account, and a copy of the bill of sale agreement between NCB and ******. It is important to note that while we are committed to providing information about the debt, we are not obliged to fulfill every item requested in your complaint. We trust this information helps to clarify things for you.
In sum, NCB has a permissible purpose to credit report your debt, the information we reported was accurate, and we met our obligation to investigate and respond to your disputes as required by law. NCB updated our reporting to the CRAs to reflect the status of your dispute.
At NCB, we strive to collaborate with consumers to help them achieve financial freedom. In keeping with this goal, we welcome the opportunity to work with you as there are many options available to assist in finding a resolution for this account. Should you have any further concerns, please do not hesitate to contact NCB at ************.
Sincerely,
*********************
Deputy General Counsel
NCB Management Services, Inc.Initial Complaint
Date:12/24/2023
Type:Status:AnsweredMore info
Complaint statuses
- Resolved:
- The complainant verified the issue was resolved to their satisfaction.
- Unresolved:
- The business responded to the dispute but failed to make a good faith effort to resolve it.
- Answered:
- The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
- Unanswered:
- The business failed to respond to the dispute.
- Unpursuable:
- BBB is unable to locate the business.
I am Not Liable For this Debt with NCB Management Services Inc. I Do not have a contract with the Collection agency mentioned NCB Management Services, Inc. They did not and would not provide me with the original Contract as Requested.Customer Answer
Date: 12/26/2023
I have had the collection removed by the fair credit act. - this report should show that if not I'll send another. They need to remove this from my credit report effective immediately. - they closed it but they didn't remove the record to its entirety.
This needs to be corrected and removed from the credit report. They reported that I owed them money and missed payments ect. When it's just simply untrue. I do not owe this collector nor have I entered into any contracts to pay such a debt from this collection agency.
Please and thank you keep me informed!
Best wishes,
*************************.
**********
Customer Answer
Date: 12/27/2023
I have had the collection removed by the fair credit act. - this report should show that if not I'll send another. They need to remove this from my credit report effective immediately. - they closed it but they didn't remove the record to its entirety.
This needs to be corrected and removed from the credit report. They reported that I owed them money and missed payments ect. When it's just simply untrue. I do not owe this collector nor have I entered into any contracts to pay such a debt from this collection agency.
Please and thank you keep me informed!
Best wishes,
*************************.Business Response
Date: 01/10/2024
Dear *************************,
Thank you for giving NCB Management Services, Inc. (NCB) the opportunity to respond to your concerns.
This account was an internet loan originating with ************ c/****** ********* on August 30, 2022. NCB purchased this account from ******* on March 22, 2023. On April 27, 2023, NCB sent you a letter notifying you that NCB is now the current creditor to whom the debt is owed.
NCB investigated your current dispute by reviewing the information and documents provided by the original creditor, the information you provided and the information from our own system regarding the status of your account. The documents we have do not substantiate the allegations in your dispute. Our investigation confirmed the debt is valid and owed, and the information we reported to the credit reporting agencies was accurate and complete. Additionally, NCB received your signed power of attorney from The *************************** Company on September 20, 2023. We agreed to settle the account for $2,550.19 with payments scheduled through May 20, 2025. To date, NCB has received three payments toward this agreement with your most recent payment posting on December 19, 2023.
A review of our records also finds that no direct request for the debt validation documents had been received by NCB prior to the receipt of this complaint. In a separate mailing to the address in your complaint, NCB will provide debt validation documents which include a copy of the online application and loan agreement, a financial transaction history of the account, and a copy of the bill of sale agreement between NCB and *******.
In sum, NCB has a permissible purpose to credit report your debt, the information we reported was accurate, and we met our obligation to investigate and respond to your disputes as required by law. NCB has updated our reporting to reflect the status of your dispute. Should you have any further concerns, please contact NCB at ************.
Sincerely,
*********************
Deputy General Counsel
NCB Management Services, Inc.Initial Complaint
Date:12/10/2023
Type:Status:AnsweredMore info
Complaint statuses
- Resolved:
- The complainant verified the issue was resolved to their satisfaction.
- Unresolved:
- The business responded to the dispute but failed to make a good faith effort to resolve it.
- Answered:
- The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
- Unanswered:
- The business failed to respond to the dispute.
- Unpursuable:
- BBB is unable to locate the business.
The basis for my dispute NCB Management Services, Inc.,*****************************, CEO,NCB MANAGEMENT SERVICES,NCB MANAGEMENT SERVICES,$502 - was required to notify me prior to 03/09/2022, or no later than 30 days after. NCB MANAGEMENT SERVICESfailed to notify me about reporting derogatory info. to *******, ********, and ********** In section 603(p) 15 U.S.C. ss 168s-2(a)(7)(A)(I); The notice required under subparagraph (A) shall be provided to the customer prior to, or no later than 30 days after 03/09/2022, furnishing the negative derogatory information to a consumer reporting agency described in section 603 (p), 15 U.S.C. ss 1681s-2(a)(7)(B)(I). Plus broke commercial law under UCC § 9.501 that all notices were timely and properly given by dated certified mail receipt. They were not met. I asked for documentation & received no response. NCB MANAGEMENT SERVICES" failed to give me my "Mini-Miranda" five days prior to placing this derogatory item on all of my credit reports, per Section 807(11) & FDCPA §809, which is $1000 per violation and the state of TX allows treble damages. Under § 809. Validations of date and Mini-Mirandi under Section 807(1)NCB Management Services, Inc.,*** ***** *******, CEO failed to send me my initial communication before placing this alleged derogatory status on my credit reports further violating the FCRA, I understand that according to the Fair Credit Reporting Act, failing to provide this notice can result in a penalty up to $2500 and can be enforced by the FTC, and that my state attorney general can also enforce this with a $1000 penalty as well. I attached a copy of the law and the actual document from the federal reserve NCB MANAGEMENT SERVICESis held liable as well for defamation and in the state of TX a creditor is who collects their on debt is considered a debt collector under FDCPA. ***** v. ***** 980 S.W.2d693(Tex.App-San Antonio 1989 reh.den.) citing ****** v. ***** 936 S.W.2d 654(Tex.App-Dallas 1996 writ dism'd w.o.jBusiness Response
Date: 12/21/2023
December 22, 2023
*********************
****************************************************************************
RE: Complaint Number ********
Dear *********************,
Thank you for giving NCB Management Services, Inc. (NCB) the opportunity to respond to your concerns.
NCB has requested its tradeline be deleted with all credit bureaus that we had previously reported your account. Please allow up to 60 days for the credit bureaus to process and update their records. Should you have any further concerns, please contact NCB at ************.
Sincerely,
***************************
Chief Compliance Officer
NCB Management Services, Inc.
************Initial Complaint
Date:11/08/2023
Type:Status:AnsweredMore info
Complaint statuses
- Resolved:
- The complainant verified the issue was resolved to their satisfaction.
- Unresolved:
- The business responded to the dispute but failed to make a good faith effort to resolve it.
- Answered:
- The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
- Unanswered:
- The business failed to respond to the dispute.
- Unpursuable:
- BBB is unable to locate the business.
Based on section 1692g in title 15 of the U.S. code, NCB management did not provide me with the following and request that this be removed from my credit report immediately: Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing-(1) the amount of the debt;(2) the name of the creditor to whom the debt is owed;(3) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector;(4) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector; and (5) a statement that, upon the consumer's written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor.Business Response
Date: 11/22/2023
November 22, 2023
************************************
********************************
Garland, TX **********
RE: Complaint Number ********
Dear ************************************,
Thank you for giving NCB Management Services, Inc. (NCB) the opportunity to respond to your concerns.
A review of our records indicates that you settled this account on September 24, 2020. Due to this settlement, there is $0.00 owed to NCB and no further action is required of you. On November 15, 2023, NCB requested its tradeline be deleted with all credit bureaus that we had previously reported your account. Please allow up to 60 days for the credit bureaus to process and update their records.
Should you have any further concerns, please do not hesitate to contact NCB at ************.
Sincerely,
***************************
Chief Compliance Officer
NCB Management Services, Inc.
************Initial Complaint
Date:11/08/2023
Type:Status:AnsweredMore info
Complaint statuses
- Resolved:
- The complainant verified the issue was resolved to their satisfaction.
- Unresolved:
- The business responded to the dispute but failed to make a good faith effort to resolve it.
- Answered:
- The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
- Unanswered:
- The business failed to respond to the dispute.
- Unpursuable:
- BBB is unable to locate the business.
I am not liable for this debt with **** ****** ** **. I do not have an account with NCB Management Services. They did not provide me with the original contract as I requested.Customer Answer
Date: 11/08/2023
Hello, I do not have the request that was submitted. It was submitted through a dispute with agency. I do not have an account with NCB Management Services.Business Response
Date: 11/22/2023
November 21, 2023
*******************************
*************************
Brandon, MS *****
RE: Complaint Number ********
Dear *******************************,
Thank you for giving NCB Management Services, Inc. (NCB) the opportunity to respond to your concerns.
This account was an internet loan originating with **** ****** ** ***********, LLC d/b/a **** on January 29,2022. NCB purchased this account from **** on May 23, 2022. On May 25, 2022,NCB sent you a letter notifying you that NCB is now the current creditor to whom the debt is owed.
NCB investigated your current dispute by reviewing the information and documents provided by the original creditor, the information you provided and the information from our own system regarding the status of your account. The documents we have do not substantiate the allegations in your dispute. Our investigation confirmed the debt is valid and owed, and the information we reported to the credit reporting agencies was accurate and complete.
A review of our records finds that this correspondence is the first direct request for the debt validation documents received by NCB. In a separate mailing to the address in this complaint, NCB has provided debt validation documents which include a copy of the electronically signed application and loan agreement, a financial transaction history of the account, and a copy of the bill of sale agreement between NCB and ****.
NCB has updated our reporting to reflect the status of your dispute. Should you have any further concerns,please contact NCB at ************.
Sincerely,
***************************
Chief Compliance Officer
NCB Management Services, Inc.
************Customer Answer
Date: 11/29/2023
[To assist us in bringing this matter to a close, you must give us a reason why you are rejecting the response. If no reason is received your complaint will be closed as Answered]
Complaint: ********
I am rejecting this response because: I did not sign nor agree for anything to be sold to a third party.
Regards,
*******************************
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