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
- 687 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:08/29/2022
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 am not liable for the Debt with NCB .Please remove this negative item on my report.
Business Response
Date: 09/14/2022
September 14, 2022
*******************
**** **********
Brunswick, GA *****
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 Santander on October 5, 2012 for the purchase of a 2008 ****** *****. You, as co-applicant together with another individual named as the buyer, entered into a contract with ********* that 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 rights to collect and credit report the debt to NCB on February 27, 2020. ********* 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 March 2, 2020 containing the required disclosures and advising you of your right to dispute and request debt validation .
This correspondence is the first direct request for debt validation documents you have sent to 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 Santander. We have directed the credit bureaus to update the report to indicate the status of your dispute.
Sincerely,
Clement N**********
Chief Compliance Officer
NCB Management Services, Inc.
***********************Initial Complaint
Date:08/28/2022
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 checked my credit report and noticed I had a collection from NCB MANAGEMENT SERVICE that was opened in Feb 27, 2020 for $14,812.00 with account number starting in ***************** that I do not recall and am not liable for. I never entered into a signed agreement or completed an original contract with them. This is fraudulent and a violation of my rights. This inaccurate collection is not mine. If you believe this account is mine, prove the validity.I would like all collection activity to cease immediately and for this inaccurate and fraudulent collection to be removed from my credit report or I will file for litigation and report you to the CFPB and FTC.Business Response
Date: 09/14/2022
September 14, 2022
*********************
**** ********************
Baytown, TX *****
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 November 1, 2014 for the purchase of a 2011 ***** *****. You entered into a contract with ********* that 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 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 3, 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 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 follows the requirements of the Fair Credit Reporting Act and the ***** * credit reporting standard in our credit reporting processes. When NCB first reported the account on April 8, 2020, we reported the account type as “open” which the credit reporting guidelines define as “accounts where the entire balance is due on demand.” When an account defaults and gets charged off, the entire balance becomes due on demand. For this reason, “open” is the only account type option available to collection agencies and debt buyers collecting debt after charge off. We reported February 27, 2020 as the date we purchased the account and opened it in our office. We have never changed the date opened in our reporting. The credit reporting agencies and Metro 2 require us to report this “date opened” information. We hope that this information helps clarify the situation.
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 *********. The documents will be mailed to the address on the complaint.
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 our Chief Compliance Officer at **********************.
Sincerely,
Clement N********
Chief Compliance Officer
NCB Management Services, Inc.
***********************Initial Complaint
Date:08/28/2022
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 MANAGMENT SERVICES 1 ALLIED DRIVE TREVOSE , PA 19053 Phone: ************** Account #******* I have asked for NCB MANAGMENT SERVICES who falsely reported information on my credit file to validate debts by providing proof of this alleged item, specifically the original application, contract, note, other instrument bearing my signature and payment history. Please provide this information within 15 days. This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior. I remind you that, as in ***** v. ******** *********** *********, 993 F. Supp. 2d 1154 - Dist. Court, (CD California 2014); you may be liable for violating the Fair Credit Reporting Act (“FCRA”) by recklessly failing to follow reasonable procedures to ensure the accurate reporting of debts discharged in bankruptcy and by refusing to adequately investigate consumer disputes regarding the status of discharged accounts. I have requested that NCB MANAGMENT SERVICES provide proof of alleged items. I request to be provided with specifically the original application, contract, note, or another instrument bearing my signature. In addition, any the contract signed between NCB MANAGMENT SERVICES & the original creditor, notarized and sworn under penalty and perjury NCB MANAGMENT SERVICES ability to collect this alleged debt. I request this under 15 U.S. Code § 1692g - Validation of debts. If information is not provided or the false reporting isn’t removed; as in ****** v. ***** ***** ****., No. ******* (C.D.Cal. Nov. 14,1995), you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 100% accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be reinvestigated. Please send all validating records through the BBB and certified mail to my address. I have uploaded a copy of my ID showing my mailing address.Business Response
Date: 09/14/2022
September 14, 2022
*************************************
**** ******************
Jonesboro, GA *****
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 March 9, 2022 from ****** ******* *** (******).
This account was an auto loan originating with ****** on January 10, 2019 for the purchase of a 2015 **** ***. You entered into a contract with ****** that 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 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 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 March 11, 2022 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. .
This correspondence is the first direct dispute or request for debt validation documents you have sent to NCB. 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. As requested, on September 2,2022, NCB mailed you debt validation documents to the address on this complaint. We included 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, 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. We have directed the credit bureaus to update the report to indicate the status of your dispute. Should you have any further questions, please contact our Chief Compliance Officer at ***********************.Sincerely,
Clement N**********
Chief Compliance Officer
NCB Management Services, Inc.
***********************Initial Complaint
Date:08/26/2022
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.
NCB MANAGMENT SERVICES has a listing of an unverified debt on my credit reports I have no knowledge of this company or alleged debt. I have disputed this debt with the credit bureaus and it came back verified I have since then contacted the company and haven't received a response. Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately.Business Response
Date: 09/13/2022
September 13,2022
***************************
*** ************************************* Apt ****
Hutto, TX *****
RE: Complaint Number ********;
Dear ***************************,
Thank you for giving NCB Management Services, Inc. (NCB) the opportunity to respond to your concerns. The account at issue is an auto- loan originating with *********************************** ******** for the purchase of a 2016 ****** ******. You entered into a contract with ****** that 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 rights to collect and credit report the debt to NCB on March 11, 2021.
****** 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 15, 2021, 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.
This correspondence is the first direct request for debt validation documents received by NCB. On September 3. 2022, NCB mailed you debt validation documents including a copy of the signed contract, the deficiency notice mailed to you by ******, 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.
In sum, NCB is your current creditor and did not violate the FCRA or FDCPA, NCB had a permissible purpose to credit report your debt and we met our obligation to investigate and respond to your dispute as required by law. We have directed the credit reporting agencies to update our reporting regarding this account to reflect the status of your dispute. Should you have any further concerns, please contact our Chief Compliance Officer at ***********************.
Sincerely,
Clement N*********
Chief Compliance Officer
NCB Management Services, Inc.
***********************Initial Complaint
Date:08/24/2022
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 of $2051 (Acct# ******** nor have I ever had a contract with NCB Management of * ****** ** Trevose, PA *****. They can not provide with any legally binding agreement to their company. I do not have a relationship with this company. For these reasons I demand that this be removed from my credit report.Business Response
Date: 09/13/2022
September 13,2022
***********************
*** **************
Effingham, SC *****
RE:Complaint Number ********
Dear ***********************,
Thank you for giving NCB Management Services, Inc. (NCB) the opportunity to respond to your concerns. NCB purchased the referenced account on from **** ****** of **************, LLC D/B/A **** on April 22, 2022.
This correspondence is the first direct request for debt validation received by NCB for the referenced account. Our complaints team has forwarded your request to our debt validation team. They have initiated an investigation to gather information and documents. They will report back to you when the investigation is complete. In the meantime, we have ceased collection activity and submitted a request to the credit reporting agencies to mark this account disputed while we conduct our debt validation investigation.
Sincerely,
Clement N**********
Chief Compliance Officer
NCB Management Services, Inc.
***********************Initial Complaint
Date:08/24/2022
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 and do not have a contract with this company . They did not provide me with the original contractual agreement per my request.Business Response
Date: 09/13/2022
September 13,2022
***************************************
**** **************
Vallejo, CA *****
RE:Complaint Number ********;
Dear ***************************************,
NCB Management Services, Inc. (NCB)appreciates the opportunity to respond to your concerns. NCB purchased the referenced account on January 22, 2019 from ************* * ***** **.(*************). This account was an internet loan originating with ************* on June 11, 2018. 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, ************* sold the debt and transferred its right to collect and credit report to NCB. ************* 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 24, 2019 containing the required disclosures.
This is the first dispute and request for debt validation we have received from you. On September 2, 2022 NCB mailed to you validation documents to the address on this complaint, ******************************* Vallejo, CA **********. Those validation documents included the online application, the credit agreement, a financial transaction history of the account and a copy of the bill of sale agreement between NCB and *************.
In sum, NCB did not violate the FDCPA. NCB has met its obligation to investigate and respond to your dispute as required by law. In response to this dispute, 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 our Chief Compliance Officer at ***********************.
Sincerely,
Clement N***********
Chief Compliance Officer
NCB Management Services, Inc.
***********************Initial Complaint
Date:08/23/2022
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 FOR THIS DEBT AND I DNO HAVE THE CONTRACT WITH NCB PLUS THEY DO NOT PROVIDE THE ORIGINAL APPLICATION LIKED I ASKEDBusiness Response
Date: 09/06/2022
September 6,2022
******** *****
**** ******************
Humble, TX *****
RE:Complaint Number ********
Dear ******** *****,
Thank you for submitting your concerns and providing an opportunity to respond. The account NCB is attempting to collect was an auto loan originating with ****** ******* *** (******) on September 20, 2014 for the purchase of a 2014 ********* *****. ****** provided the bill of sale assigning your debt to NCB on September 18, 2020 and listed your account with NCB on September 21,2020. As a result, ****** 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.****** may transfer its rights to NCB without your permission or signature. As stated in our later dated September 25, 2020, NCB is the current creditor to whom the referenced debt is owed.
In response to this complaint, NCB sent you debt validation documents on August 29, 2022. Those documents 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 ******. The documents were mailed to the address on this complaint. We also completed an investigation by reviewing the information you provided as well as information and documents provided to us by your original creditor and information from our own system regarding the current status of your account. The documents do not substantiate the allegations of your dispute concerning this account. Our investigation confirmed the information we reported to the credit reporting agencies was accurate, complete, and reported in compliance with the FCRA and ***** * credit reporting standards.
In sum, NCB did not violate the FCRA or FDCPA as alleged in your complaint. 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 will direct the credit reporting agencies to update the report to reflect the status of your dispute. Should you have any further concerns, please contact our Chief Compliance Officer at ***********************.
Sincerely,
Clement N**********
Chief Compliance Officer
NCB Management Services, Inc.
***********************Initial Complaint
Date:08/22/2022
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 did not provide me with the original application like I asked.Business Response
Date: 09/06/2022
September 6,2022
*********************
**** ********************* apt. ****
Atlanta, GA *****
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 internet loan originating with **** ****** of ******* (****) on March 25, 2019. 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 from you and to credit report the debt as permitted by law. When you failed to pay, **** sold the debt to NCB on August 27, 2021. 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 September 1, 2021,NCB sent you a letter notifying you that NCB is now the current creditor to whom the debt is owed.
This correspondence is the first direct request for debt validation received by NCB. In a separate mailing, NCB will send you debt validation documents which will include a copy of the loan agreement, a financial transaction history of the account, and a copy of the bill of sale agreement between NCB and ****. The documents will be mailed to the address on this complaint. NCB has updated our reporting to the credit bureaus to reflect the status of your dispute. Should you have any further concerns,please contact our Chief Compliance Officer at ***********************.
Sincerely,Clement N*********
Chief Compliance Officer
NCB Management Services, Inc.
***********************Initial Complaint
Date:08/22/2022
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 Services, Inc. has taken adverse action against me, with forethought and malice, by furnishing inaccurate and knowingly false collections to my consumer report without my lawful authority. This adverse action as defined under 12 CFR 1002.2(c)(1)(i), which has the same definition as 15 U.S. Code § 1691(d)(6), has negatively affected my ability to extend credit and operate in commerce. Congress makes it clear that causing a restraint of trade or conspiring to cause a restraint of trade, pursuant to 15 U.S. Code § 1, is declared to be illegal to and carries both civil and criminal penalties. My right to privacy and my right to know where and how to direct the disclosure of my nonpublic information in accordance with 15 U.S. Code § 6801(a) of the Gramm-Leach Bliley Financial Protection Act, has been violated. NCB Management Services, Inc. are committing abusive, deceptive and unfair debt collection practices by furnishing debts to my consumer report as a means of coercing me to pay an extension of credit, which is a direct violation of 18 U.S. Code § 894 - Collection of extensions of credit by extortionate means: (a)Whoever knowingly participates in any way, or conspires to do so, in the use of any extortionate means (1)to collect or attempt to collect any extension of credit, or (2)to punish any person for the nonrepayment thereof, shall be fined under this title or imprisoned not more than 20 years, or both. They never provided me with an agreement , the bill of assignment nor the chain of custody between myself and them as well. I also sent them a letter in which i received no response. I will be pursuing legal action if these deceptive practices and federal laws arent followed.Business Response
Date: 09/08/2022
September 8,2022
****** *******
**** ******** **,
Houston, TX *****RE: Complaint Number ********
Dear ****** *******,
Thank you for giving NCB Management Services, Inc. (NCB) the opportunity to respond to your concerns. NCB respectfully disagrees with the allegations in your complaint. NCB’s goal is to work with consumers to resolve whatever differences may exist.
The debt at issue is an internet loan originating with ******** **** * ***** ** (********) on September 29, 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. When you failed to pay, ******** **** sold the debt and transferred its rights to collect and credit report the debt to NCB on April 22, 2022. ******** **** may transfer its contractual 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 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 April 25, 2022, NCB sent you a letter notifying you that NCB is now the current creditor to whom the debt is owed.
In response to your first Better Business Bureau (BBB) Complaint Number *******, NCB sent you over 20 pages of debt validation documents as requested. We included a copy of the loan application, 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 **** ******** **, Houston, Texas ***** on July 28, 2022. After sending those documents, NCB ceased all attempts at contacting you regarding this account as you had requested in BBB Complaint *******.
In response to this complaint, we completed an investigation by reviewing the information you provided as well as information and documents provided to us by your original creditor and information from our own system regarding the current status of your account. The documents do not substantiate the allegations of your dispute concerning this account. Our investigation confirmed the information we reported to the credit reporting agencies was accurate, complete, and reported in compliance with the FCRA and ***** * credit reporting standards. Additionally, on August 26, 2022, NCB mailed you another set of the above referenced validation documents to the address on this complaint. We believe the documents are sufficient to enable you verify that the debt is valid and owed.
In sum, NCB did not violate the FCRA or FDCPA as alleged in your complaint. 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 debt validation documents stated above, NCB will continue to honor your requests to cease all attempts at contacting you in the future regarding this debt.
NCB has updated our reporting to the credit bureaus to reflect the status of your dispute. Should you have any further concerns, please contact our Chief Compliance Officer at 833-225-5303, ext. ****
Sincerely,
Clement N*****
Chief Compliance Officer
NCB Management Services, Inc.
833-225-5303, ext. ****Initial Complaint
Date:08/21/2022
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 this debt with NCB MANAGEMENT services and do not have a contract with them. They did not provide me with the original application like i asked.Business Response
Date: 09/02/2022
September 2,2022
*************************************
**** ******************
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 your auto loan originating with ********************************** (***********) on May 16, 2019 for the purchase of a 2013 ********* ******. When you failed to pay, *********** sold your account to NCB on August 11, 2020. 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. *********** may transfer its rights to NCB without your permission or signature. As stated in our letter dated August 17, 2020, NCB is the current creditor to whom the referenced debt is owed.
This correspondence is the first direct request for debt validation received by NCB.In a separate mailing NCB will provide debt validation documents including 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 ***********. The documents will be mailed to the address on this complaint. NCB will direct the credit reporting agencies to update the report to reflect the status of your dispute.Sincerely,
Clement N*********
Chief Compliance Officer
NCB Management Services, Inc.
***********************
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