Business Profile
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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:10/01/2022
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 the debt from NCB Management Services that is currently being reported on my credit report. I have never initiated or agreed to a contract with them & have failed to provide me with the original contract as requested.
Business Response
Date: 10/17/2022
October 14, 2022
*************************
**** **************
Chelsea, AL *****
RE: Complaint Number ********
Dear *************************,
Thank you for the opportunity to respond to your concerns. NCB Management Services, Inc. (NCB) purchased your account from **** ****** ** *******, LLC (****) on May 21, 2020. A review of our records indicates that on May 26, 2020, our initial letter containing the required notifications and disclosures was mailed to you. This account was an internet loan originating on November 02, 2019. Although you did not originally enter into a contract with NCB, the remaining balance is due to NCB as a result of **** selling your account to NCB and assigning their rights to NCB.
This is the first direct request we have received for debt validation information. On October 05,2022, NCB mailed you debt validation documents. This included the application, Truth-in-Lending disclosures, a financial transaction history of the account and a copy of the bill of sale agreement between NCB and ****. NCB updated our reporting to the credit reporting agencies (CRAs) regarding this account to reflect 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:09/29/2022
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'm depressed and suicidal after dealing with the unauthorized use of my personal information. Which resulted in this unauthorized item on my credit report. I sent letters over 30 days ago and they failed to get back with me with sufficient validation. This account violates the FDCPA and must be deleted immediately because those are serious violations and I could be compensated for them.Business Response
Date: 10/18/2022
October 17, 2022
***************************
*** ******
Rayne, LA *****
RE: Complaint Number ********
Dear ***************************,
NCB Management Services, Inc. (NCB) appreciates the opportunity to respond to your concerns. NCB purchased the referenced account on March 28, 2022 from ********* ******** *** Inc (*********). This account was an auto loan originating with ********* on November 15, 2019, for the purchase of a 2019 *** ******** ** ***. That loan 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 and transferred its right to collect and credit report 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 March 31, 2022, NCB is your current creditor.
We received your first direct request for debt validation documents by mail on September 23, 2022. In response, NCB mailed you documents sufficient to validate the debt on September 26, 2022, to the address on your letter: *** *** **, Rayne, LA *****. The debt validation documents included a copy of the signed contract, a copy of the deficiency notice, a financial transaction history of the account, and a copy of the bill of sale agreement used by ********* to sell the account to NCB.
In response to this most recent complaint, we are providing another copy of those documents to the above address, which is also listed on your complaint. NCB is not required to provide every item listed in your complaint. We are required to provide sufficient information to verify that the debt is owed and we have met that obligation. As such, we believe NCB complied with its legal obligations concerning written notice of the debt as well as debt validation regarding this account.
NCB maintains all appropriate licenses, registrations, and bonds required to conduct business throughout the United States. For more information, visit our website at ******************************* or the NMLS Consumer Access website at **********************************/. Please note that these websites do not provide a complete listing of all licenses held by NCB. The law does not require us to give you proof of our company’s licenses, registrations, or bonds. The law requires us to provide sufficient information for you to verify that the debt is owed and we have met that obligation.
In sum, NCB did not violate the FCRA or the FDCPA. 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. As requested, NCB ceased all attempts at contacting you regarding this account and will continue to honor your request in the future. NCB has updated our reporting to the credit bureaus to reflect the status of your dispute. Should you have any further concerns, please contact NCB at 833-225-5303.
Sincerely,
Clement N**********
Chief Compliance Officer
NCB Management Services, Inc.
************Initial Complaint
Date:09/27/2022
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 MANAGEMENT SERVICE. 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 MANAGEMENT SERVICE 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: 10/13/2022
October 13,2022
****** ******
**** ***** ***** ** Apt *
Hazelwood, MO *****
RE: Complaint Number ********;
Dear *************************,
Thank you for giving NCB Management Services, Inc. (NCB) the opportunity to respond to your concerns.
NCB requested its tradeline be deleted with all credit bureaus that we had previously reported your account. The confirmation number for that deletion request was: AUD Control ID # *********. If you find the account has not been deleted after 60 days, please contact us again and let us know which credit reporting agency still shows the account. Should you have any further concerns, please contact us at ************.
Sincerely,
Clement N*********
Chief Compliance Officer
NCB Management Services, Inc.
************Initial Complaint
Date:09/26/2022
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'm not liable for this debt with ********* and do not have a contract with NCB management services. They do not provide me with the original application like I askBusiness Response
Date: 10/10/2022
October 10, 2022
*******************************
** **********
Willingboro, NJ *****
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 October 18, 2018 for the purchase of a 2005 ******** ********. NCB Management Services, Inc. (NCB) purchased the account on February 27, 2020, from *********. As a result of ********* selling the account to NCB, they assigned their rights regarding this account to NCB including the right to collect and credit report the debt as permitted by law. As discussed in our March 02, 2020 letter, NCB is now the current creditor to whom the debt is owed.
This correspondence is the first direct request for debt validation documents received by NCB. In response to your request, on October 03,2022, NCB mailed debt validation documents including a copy of the signed contract, notice to sell the vehicle, the deficiency notice, 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. 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 us at ************.
Sincerely,
Clement N***********
Chief Compliance Officer
NCB Management Services, Inc.
************Initial Complaint
Date:09/26/2022
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'm depressed and suicidal after dealing with the unauthorized use of my personal information. Which resulted in this unauthorized item on my credit report. I sent letters over 30 days ago and they failed to get back with me with sufficient validation. This account violates the FDCPA and must be deleted immediately because those are serious violations and I could be compensated for them.Business Response
Date: 10/10/2022
October 10,2022
*********************
*** *********************************************,
Duson, LA *****
RE: Complaint Number ********
Dear *********************,
Thank you for submitting your concerns and providing NCB Management Services Inc. (NCB) an opportunity to respond. We understand you may not have recognized this account. NCB purchased the referenced account on February 27, 2020 from ********* ******** *** **** (*********).
This account was an auto loan originating with ********* on April 7, 2015, for the purchase of a 2011 ********* ***** that yourself and a co-applicant signed for. You entered into a contract with ********* that made you responsible for paying this debt and gave ********* the right to collect it from you. When the loan was not repaid as agreed, ********* sold the debt and transferred its rights to collect and credit report the debt to NCB on February 27, 2020. As a result of the sale, ********* gave NCB information needed to verify the debt is valid and owed. ********* may lawfully transfer its contractual 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 to credit report the debt as permitted by law. On March 2, 2020, NCB sent you a letter notifying you that NCB is now the current creditor to whom the debt is owed and advising you of your right to dispute and request debt validation.
NCB received your first direct dispute and first request for debt validation on September 16,2022. In response, NCB investigated your dispute claim by reviewing the information you provided, the information provided by your original creditor, and the information in our records. Our investigation confirmed the information we reported to the credit reporting agencies regarding this account was accurate, complete, and reported in compliance with the FCRA and ***** * credit reporting standards. NCB mailed you validation documents to the address on this complaint, *******************************., Duson, LA *********, on September 21, 2022.Those documents included a copy of the signed contract, notice to sell the vehicle, the deficiency notice, a financial transaction history of the account, and a copy of the bill of sale agreement between NCB and *********.
In response to this complaint received on September 26, 2022, NCB investigated again and confirmed our reporting remains accurate. This complaint represents your second request for debt validation. On September 27, 2022, NCB mailed you another set of validation documents to the address on this complaint, ********************************., Duson, LA *****.
In sum, our investigation confirmed 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. Other than the referenced debt validation documents, NCB honored your request to cease all attempts at contacting you regarding this account and will continue to honor your request in the future. We have updated our reporting to reflect 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:09/26/2022
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.
Contacted Debt collector asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me therefore you are reporting misleading false account. Delete this unverified and misleading account.Business Response
Date: 10/10/2022
October 11,2022
*************************
***** ************* **
Jacksonville, FL *****
RE: Complaint Number ********
Dear *************************,
NCB Management Services, Inc. (NCB) appreciates the opportunity to respond to your concerns.
NCB purchased the referenced account on May 22, 2017 from ************* & ********* (********). You may also recognize this as your ******* loan. This account was an internet loan,originating with ******** on October 15, 2016. You did not ink-sign an agreement to open this account. You applied online and electronically agreed to the terms and conditions for using the account The loan agreement made you responsible for paying this debt, and gave Republic 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. NCB is now the current creditor to whom the debt is owed as stated in our initial notice dated May 25, 2017.
On September 15,2022, NCB received its first direct dispute from you by mail, requesting validation of debt regarding this account. While investigating your original dispute, we received this Better Business Bureau (BBB) complaint on September 26, 2022. We have investigated your disputes 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. 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 ***** * credit reporting standards.
In a separate mailing on September 27, 2022, NCB sent you debt validation documents including the application, a financial transaction history of the account and a copy of the bill of sale agreement between NCB and Republic. Those documents were mailed to ***** ************* **, Jacksonville, FL *****, which is the address you provided on your complaint, drivers license and bank statement. We are required to provide sufficient information for you to verify that the debt is owed and we have met that obligation.
In sum, NCB did not violate the FCRA or the FDCPA 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. As requested, NCB has ceased all attempts at contacting you on phone and updated our reporting to the credit bureaus to reflect 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.
************, ext. ****Initial Complaint
Date:09/23/2022
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 (FIRST FINANCIAL LOAN COMPANY) and I do not have a contract with (NCB Management Services, Inc.) plus they did not provide me with the original application like I asked.Account No: ***** Amount Disputed: $651 MY PURPOSE OF THIS COMPLAINT ISN'T TO GET THIS ACCOUNTS VALIDATED, THE PURPOSE OF THIS COMPLAINT IS TO ENSURE THAT THE ACCOUNTS WILL BE PERMANENTLY REMOVED FROM MY CREDIT REPORT AND TO BE PAID FROM THIS COMPANY FOR THEM VIOLATING MY CONSUMER RIGHTS (FCRA).Business Response
Date: 10/13/2022
October 13,2022
*************************
**** ***********
Allen, TX *****
RE: Complaint Number ********;
Dear *************************,
NCB Management Services, Inc. (NCB) appreciates the opportunity to respond to your concerns. NCB purchased the referenced account on May 24, 2021. This account was an internet loan originating with ***************************** *** (****************) on September 5, 2020. You may also recognize this account as your *********** ******* of ***** account. You did not ink-sign an agreement to open this account. 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 it and credit report the debt as permitted by law.
When you failed to pay, the debt was sold to NCB and ***************s rights to collect and credit report the debt were transferred 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 and credit report it as permitted by law. NCB is your current creditor to whom this debt is owed as stated in our initial letter dated May 26, 2021 containing the required disclosures.
NCB received your first direct dispute on June 1, 2022. In response, NCB investigated your dispute claim by reviewing the information your provided, the information provided by your original creditor and the information in our records. Our investigation confirmed the information we reported to the credit reporting agencies regarding this account was accurate, complete, and reported in compliance with the FCRA and ***** * credit reporting standards. NCB mailed to you validation documents to the address on this complaint on June 2, 2022.
In response to this complaint, NCB investigated again and confirmed our reporting remains accurate and reported in accordance with the FCRA and ***** * credit reporting standards. In a separate mailing, NCB will send you another set of debt validation documents to the address on this complaint, **** ******** **, Allen, TX *****. Those documents will include a copy of the application, the credit agreement, a financial transaction history of the account and a copy of the bill of sale agreement between NCB and the seller .
In sum, 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 credit reporting agencies to update the report to indicate the status of your dispute. Should you have any further concerns, please contact us at ************.
Sincerely,
Clement N*********
Chief Compliance Officer
NCB Management Services, Inc.
************Initial Complaint
Date:09/23/2022
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 services, INC. They do not provide me with the original contract like i asked.Business Response
Date: 10/10/2022
October 10,2022
*************************************
*** *********************,
Crosby, TX *****
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 October 29, 2012 for the purchase of a 2013 ***** *******. The loan agreement you signed 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. Santander 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. NCB is now the current creditor to whom the debt is owed.
We have investigated your 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. 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 ***** * credit reporting standards.
In a separate mailing on September 30, 2022, NCB sent you debt validation documents including a copy of the signed contract, the deficiency notice, a financial transaction history of the account and the bill of sale agreement between NCB and *********. Those documents were mailed to the address provided on your CFPB complaint #******-******* namely ***** **** * **** **, Crosby, Texas *****. Your CFPB complaint was submitted to NCB one day following submission of this complaint. You have provided a different address on this complaint, but ***** **** * **** **, Crosby, Texas ***** is the most recent address you have provided.
In sum, NCB did not violate the FCRA or the FDCPA. 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 has updated our reporting to the credit bureaus to reflect the status of your dispute. Should you have any further concerns, please contact NCB at 833-225-5303.
Sincerely,
Clement N***********
Chief Compliance Officer
NCB Management Services, Inc.
************, ext. ****Initial Complaint
Date:09/21/2022
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 the debt with NCB Management services, I do not have a contract with NCB Management services they did not provide me with the original application like I askedBusiness Response
Date: 10/05/2022
October 5,2022
*****************************
*** ***************
Lake Worth, FL *****
RE: Complaint Number ********
Dear *****************************,
Thank you for submitting your concerns and providing an opportunity to respond. NCB Management Services Inc (NCB) purchased the referenced account on December 21, 2021 from ******* **** (*******). This account was an internet loan originating with ******* on June 21, 2021. You did not ink-sign an agreement to open this account. 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 it and credit report the debt as permitted by law. ******* sold the debt and transferred its right to collect and credit report to NCB on December 21, 2021. ******* may transfer its rights to NCB without your permission or signature. As a result of the sale, ******* gave NCB information needed to verify the debt is valid and owed. 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. NCB is your current creditor to whom this debt is owed as stated in our initial letter dated January 27, 2022 containing the required disclosures.
This complaint is the first request received by NCB for debt validation documents. On September 28, 2022 NCB mailed you documents sufficient to verify that the debt is valid and owed. Those documents included a copy of the loan application, 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 the complaint. NCB has updated our reporting to credit bureaus to reflect the status of your dispute. Should you have any further questions, please contact us at 833-225-5303.
Sincerely,
Clement N**********
Chief Compliance Officer
NCB Management Services, Inc.
************Initial Complaint
Date:09/19/2022
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 would like for these corrections to be made on my credit reportBusiness Response
Date: 10/10/2022
October 10,2022
***********************
**** ************
Edmond, OK *****
RE: Complaint Number ********
Dear ***********************,
Thank you for the opportunity to respond to your concerns. NCB Management Services, Inc.(NCB) purchased your account from ************ (*******), on March 31, 2022. A review of our records indicates that on April 04, 2022, our initial letter containing the required notifications and disclosures was mailed to you. This account was an internet loan originating on October 02, 2021. Although you did not originally enter into a contract with NCB, the remaining balance is due to NCB as a result of Finwise selling your account to NCB and assigning their rights to NCB. NCB is now the current creditor to whom the debt is owed.
In response to this complaint, we conducted an investigation by reviewing the information provided by the original creditor, the information you provided 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) was accurate, complete, and reported in compliance with the FCRA and ***** * credit reporting standards. Based on information provided by the original creditor, we reported December 17, 2021, as the date of first delinquency. This is the date that controls how long the account remains on your credit report. We have never changed the date of first delinquency. We reported March 31, 2022, as the date we purchased the account and opened it in our office. The CRAs and ***** * require us to report this date opened information.
NCB stands by the accuracy of its reporting to the CRAs regarding this account. On September 27, 2022, NCB mailed debt validation documents which include the application, loan agreement and Truth-in-Lending disclosures, 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. Should you have documentation of payments that you believe have not been applied please mail a copy of these items to us so they can be thoroughly reviewed. 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 ************.
Sincerely,
Clement N*********
Chief Compliance Officer
NCB Management Services, Inc.
************
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