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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
- 687 total complaints in the last 3 years.
- 177 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:10/13/2022
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 ********* ******** *** and do not have a contract with NCB Management Service. They do not provide me with the original application like I asked.
Business Response
Date: 10/27/2022
October 27,2022
*************************
**** *********** Apt ***
Miami, FL *****
RE: Complaint Number ********
Dear *************************,
Thank you for submitting your concerns. Based on the information provided, we are unable to identify the file you are referencing. We are anxious to look into and resolve the matter but need additional information.
Please contact NCB at ************, by email to [email protected] or by mail to NCB Management Services, Inc., P.O. Box 1099, Langhorne, PA 19047.
Sincerely,
Clement N**********
Chief Compliance Officer
NCB Management Services, Inc.
************Initial Complaint
Date:10/11/2022
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 SERVICE and do not have a contract with NCB MANAGEMENT SERVICE. they do not provide me with the original application like i asked.Business Response
Date: 10/26/2022
October 24,2022
*****************************
**** *************** Apt **
Tamarac, FL *****
RE: Complaint Number ********
Dear *****************************,
Thank you for submitting your concerns and providing an opportunity to respond.
The referenced account was an auto loan originating with ********* ******** ***(*********) on April 18, 2018, for the purchase of a 2013 Audi Q5 2.0T. NCB Management Services, Inc. (NCB) purchased the account on September 27, 2019 from *********. As a result of the sale, ********* gave NCB information needed to verify the debt is valid and owed and assigned to NCB all of its rights related to the debt, including the right to collect and credit report the debt as permitted by law. As discussed in our September 30, 2019 letter, NCB is now the current creditor to whom the debt is owed.
NCB investigated and verified account information between February 2020 through October 2022 in response to multiple indirect tradeline disputes you made with the credit reporting agencies (CRAs) by verifying the information we reported accurately reflects the information provided by your original creditor, *********. This correspondence is the first direct request for debt validation documents received by NCB. In a separate mailing, NCB will 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 *********.
In sum, the debt is valid and owed to NCB, NCB had 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. We have directed the CRAs to update the report to indicate the status of your dispute. Should you have any further concerns, please contact NCB at ************.
Sincerely,
Clement N**********
Chief Compliance Officer
NCB Management Services, Inc.
************Initial Complaint
Date:10/06/2022
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 have reached out to NCB MANAGMENT SERVICES. They have failed to provide proof of validation regarding a debt that does not belong to me. They have furnished this alleged debt on my consumer report and have failed to validate the alleged claim pursuant to Sec. 809(b)of the Fair Debt Collection Practices Act and according 609(a)(1)(A), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. I demand this item be removed from my credit report immediately. NCB MANAGMENT SERVICES you are furnishing inaccurate and incorrect information to the consumer reporting agencies.The reporting of such inaccurate information has caused severe damage to my character, my reputation, my general mode of living and my ability to obtain credit for personal and house purposes.You and your inaccurate reporting have damaged my livelihood.15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies (a)Duty of furnishers of information to provide accurate information 1) Prohibition (A)Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Duty: a moral or legal obligation; a responsibility Accurate: correct in all details; exact. Prohibition: a law or regulation forbidding something As Defined by The IRS Even if you didn't receive a Form 1099-C, you must report canceled debt as gross income on your tax return. The IRS Clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes your reporting of this account inaccurate! ACCOUNT NUMBER: *****************Business Response
Date: 10/19/2022
October 17,2022
***** ****
**** * ******* ** ****
Miami, FL *****
RE: Complaint Number ********
Dear *******************,
Thank you for submitting your concerns. Based on the information provided we are unable to identify the file you are referencing. We are anxious to look into and resolve the matter but need additional information.
Please contact NCB at ************, by email to [email protected] or by mail to NCB Management Services, Inc., P.O. Box ****, Langhorne, PA ********.
Sincerely,
Clement N*********
Chief Compliance Officer
NCB Management Services, Inc.
************Initial Complaint
Date:10/05/2022
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 have no information on the original creditor. I don't even know if this was my account and it was filed in the bankruptcy and that account is closed and they are still reporting that it is open and its on my credit report saying its open and they're reporting monthly.Business Response
Date: 10/19/2022
October 17, 2022
*************************
**** *********
Pasco, WA *****
RE: Complaint Number ********
Dear *************************,
Thank you for providing an opportunity for NCB Management Services, Inc. (NCB) to respond to your concerns. NCB follows the requirements of the Fair Credit Reporting Act and the Metro 2 credit reporting standard in our credit reporting processes. In keeping with these requirements, please be advised that on May 6, 2022 NCB notified the credit reporting agencies (CRAs) to update your account to reflect Chapter 7 Discharged Bankruptcy with a zero balance. Although we believe we have reported this account accurately, NCB. will request its trade line be deleted with all credit bureaus that we had previously reported your account. Please allow up to 60 days for this updated information to be reflected on your reports. Should you have any further concerns, please contact NCB at ************.
Sincerely,
Clement N***********
Chief Compliance Officer
NCB Management Services, Inc.
************Initial Complaint
Date:10/05/2022
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 ******** ******* and i do not have a contract with ncb plus they did not provide me with the original application like i askedBusiness Response
Date: 10/19/2022
October 18,2022
***************************
***** *********************************************
Slidell, LA *****
RE: Complaint Number ********
Dear ***************************,
Thank you for the opportunity to respond to your concerns. NCB Management Services, Inc. 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,
Clement N**********
Chief Compliance Officer
NCB Management Services, Inc.
************Initial Complaint
Date:10/05/2022
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 ******* and i do not have a contract with ncb management plus they did not provide me with the original application like i askedBusiness Response
Date: 10/19/2022
October 17,2022
***************************
*** ************ Apt *
Laplace, LA *****
RE: Complaint Number ********
Dear ***************************,
Thank you for submitting your concerns and providing an opportunity to respond. NCB Management Services, Inc. (NCB) purchased your account from ************ (*******) on August 26, 2021. This account was an internet loan originating on January 1, 2020. You entered into an agreement with *******. That agreement made you responsible for paying this debt and gave ******* the right to collect it from you. When you failed to pay, ******* sold the debt and transferred its right to collect to NCB. ******* 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 September 8, 2021.
NCB received your first direct request for debt validation documents by mail on September 30, 2022. In response, NCB mailed you documents sufficient to validate the debt on October 5, 2022, to the address on your letter: *************************Apt *, LaPlace, LA *******; The debt validation documents included a copy of the loan agreement, the loan application, a financial transaction history of the account for both ******* and NCB, and a copy of the bill of sale agreement used by ******* to sell the account to NCB.
Additionally, NCB investigated and verified account information multiple times from December 2021 through September 2022 in response to indirect tradeline disputes you made with credit reporting agencies (CRAs). In response to this complaint, we have conducted another investigation by reviewing the information you provided, the information provided by the original creditor and the information in our records. The results of our investigations do not support the allegations of your disputes. We will direct the CRAs to update the report to indicate the status of your dispute. Should you have any further concerns, please contact NCB at ************.
Sincerely,
Clement N*********
Chief Compliance Officer
NCB Management Services, Inc.
************Initial Complaint
Date:10/04/2022
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.
NCB Management you are reporting inaccurate and unverifiable information on my credit report. NCB MANAGEMENT # ****** YOU HAVE NOT PROVIDE MY ORIGINAL DOCUMENTS, SIGN SIGNATURE OR ANY DOCUMENTS THAT PROOF THAT THIS IS MY DEBT. I ask for a full discloser 45 days ago and by law after 30 days this is not My debt. STOP CALLING ME AND HARRASSING ME ABOUT A DEBT THAT IS NOT MINE!! This is not my debt and you have not proven this debt at all. CEASE AND DESIST ALL REPORTING OF THIS DEBT ASAP.YOU ARE HEREBY REPORTING A DEBT THAT IS NOT ACCURATE AND IS NO T MINE.Business Response
Date: 10/18/2022
October 17,2022
*************************
Chester, PA *****
RE: Complaint Number ********
Dear *************************,
Thank you for submitting your concerns. Based on the information provided we are unable to identify the file you are referencing. We are anxious to look into and resolve the matter but need additional information.
Please contact NCB at ************, by email to [email protected] or by mail to NCB Management Services, Inc., P.O. Box 1099, Langhorne, PA 19047.
Sincerely,
Clement N***********
Chief Compliance Officer
NCB Management Services, Inc.
************Initial Complaint
Date:10/04/2022
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.
In accordance with the Fair Credit Reporting act NCB #*****, has violated my rights. 15 U.S.C 1681 Section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A. Section 2: It also states a consumer reporting agency cannot furnish a account without my written instructionsBusiness Response
Date: 10/18/2022
October 18, 2022
*************************
**** ***************
Salem, AL *****
RE: Complaint Number ********
Dear *************************,
Thank you for the opportunity to respond to your concerns. The referenced debt is an internet loan originating with **** ****** ** ******** *** D/B/A **** (**** ******) on June 4, 2018. You applied online and electronically agreed to the terms and conditions for using the account. That agreement made you responsible for paying this debt and gave **** ****** the right to collect and credit report the debt as permitted by law. On November 21, 2018, **** ****** sold the debt to NCB Management Services Inc (NCB).
As a result of the sale, **** ****** gave NCB information needed to verify the debt is valid and owed, and assigned to NCB all of its rights related to the debt, including the right to collect and credit report the debt as permitted by law. On November 23, 2018, NCB sent a letter notifying you that NCB is now the current creditor to whom the debt is owed.
A review of our record finds NCB mailed documents sufficient to verify that the debt is valid on September 8, 2022,September 16, 2022 and October 6, 2022. On each occasion, we included a copy of the loan agreement containing the terms and conditions of the loan, a financial transaction history of the account and a copy of the bill of sale agreement between NCB and **** ******. The documents were mailed to the address on this complaint namely, **** *** **** ***, Salem, AL *****.
We have investigated your current dispute by reviewing the information provided by your original creditor and the information in our records regarding the status of your account. Our investigation confirmed the information we reported to the credit reporting agencies (CRAs) regarding this account was accurate, complete, and reported in compliance with the FCRA and Metro 2 credit reporting standards. In sum, NCB has a permissible purpose to report the debt and we have met our responsibilities concerning the FCRA. Should you have any further concerns, please contact NCB at ************.
Sincerely,
Clement N*********
Chief Compliance Officer
NCB Management Services, Inc.
************Initial Complaint
Date:10/03/2022
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.
Pursuant to 18 USC18, I do not owe this debt. This company is violating my consumer right to privacy pursuant to 15 USC 1681b 2. Company also has NO permission to report ANYTHING using my info pursuant to 15 USC 1681 4.Business Response
Date: 10/18/2022
October 14, 2022
***********************
*** ****************
Baton Rouge, LA *****
RE: Complaint Number ********
Dear ***********************,
NCB Management Services, Inc. (NCB) appreciates the opportunity to respond to your concerns.
NCB purchased the referenced account on August 27, 2020, from ********* ******** ******* (*********). This account was an auto loan originating with ********* on December 2, 2017, for the purchase of a 2018 ****************** agreement made you responsible for paying this debt and gave ********* the right to collect it from you and to credit report the debt as permitted by law.
When you failed to pay, ********* sold the debt to NCB, gave NCB information needed to verify the debt is valid and transferred its right to collect and credit report the debt as permitted by law to NCB. ********* may lawfully 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 and credit report it as permitted by law. As stated in our letter dated August 31, 2020, NCB is your current creditor.
NCB has investigated and verified account information multiple times from December 2020 through August 2022 in response to indirect tradeline disputes you made with a credit reporting agency. In response to a letter, we received from you in April 2021, we also mailed debt validation documents which included 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 Santander.
We have investigated your current dispute by reviewing the information provided by your original creditor and the information in our records regarding the status of your account. Our investigation confirmed the information we reported to the credit reporting agencies (CRAs) regarding this account was accurate, complete, and reported in compliance with the FCRA and Metro 2 credit reporting standards. In a separate mailing, NCB provided the debt validation documents again, mailed to the address on the complaint: *** ****** ***, Baton Rouge, LA *****.
In sum, NCB did not violate the FCRA. NCB had 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 stands by the accuracy of its reporting to the CRAs regarding this account. We have updated our reporting to reflect the status of your dispute. Should you have any further concerns, please contact us at 833-225-5303.
Sincerely,
Clement N*******
Chief Compliance Officer
NCB Management Services, Inc.
833-225-5303Initial Complaint
Date:10/02/2022
Type:Status:ResolvedMore 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 requesting deletion of the NCB MANAGEMENT collection from my credit report due to the inaccurate reporting information they have been providing, this company has COMMITTED FRAUD and reported I have had a collection since August of 2020 but the account was reported open in March of 2022??? THE ORIGINAL CREDITOR **** ****** WAS OPENED IN NOVEMBER OF 2021 SO THIS IS A COMPLETE LIE I found this information from my ******** CREDIT REPORT I HAVE DISPUTED THIS AND ITS COME BACK ACCURATE, THEY HAVE FAILED IN INVESTIGATING PROPERLY THIS IS A DIRECT VIOLATION of 12 CFR PART 1006 REGULATION F WHICH STATES § 1006.18 False, deceptive, or misleading representations or means. (a) In general. A debt collector must not use any false, deceptive, or misleading representation or means in connection with the collection of any debt, including, but not limited to, the conduct described in paragraphs (b) through (d) of this section. all three credit bureaus have failed in validating this information which is a violation. Federal law 15 U.S. Code Subchapter III CREDIT REPORTING AGENCIES § 1681i - Procedure in case of disputed accuracy states 5) Treatment of inaccurate or unverifiable information (A) In general If, after any reinvestigation under paragraph (1) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or cannot be verified, the consumer reporting agency shall— (i) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and (ii) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. I want this deleted completely, not corrected I have not signed any contract in August of 2020. This is FALSE REPORTING ON MY CREDIT REPORT AND ILLEGAL, REMOVE THISBusiness Response
Date: 10/13/2022
October 13,2022
***** ********
**** ******* **
Bennettsville, SC *****
RE: Complaint Number ********
Dear ***************************,
Thank you for providing an opportunity for NCB Management Services, Inc. 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,
Clement N********
Chief Compliance Officer
NCB Management Services, Inc.
************Customer Answer
Date: 10/25/2022
[A default letter is provided here which indicates your acceptance of the business's response. If you wish, you may update it before sending it.]
Better Business Bureau:
I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me.
Regards,
***************************
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