Business Profile

Collections Agencies

NCB Management Services, Inc.

Headquarters

BBB Accredited Business B Rated by BBB

Important information

Customer Complaint:
Please be advised that due to the high volume of complaints received for this business, BBB publishes 1 out of every 10 complaints handled through our conciliation process.

Complaints

This profile includes complaints for NCB Management Services, Inc.'s headquarters and its corporate-owned locations. To view all corporate locations, see

Customer Complaints Summary

688 total complaints in the last 3 years.
178 complaints closed in the last 12 months.

If you've experienced an issue

Submit a Complaint

The 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:08/20/2022
Type:Billing Issues
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 did not provide me with the original application like I asked.
Business Response
Date: 09/02/2022
September 2,2022

**********************************
*** **************
Newark, NJ *****

RE: Complaint Number ********

Dear **********************************,

Thank you for submitting your concerns and providing NCB Management Services Inc. (NCB) an opportunity to respond. The account NCB is attempting to collect was your auto loan originating with ****** ******* *** (******) on November 22, 2019 for the purchase of a 2013 ***** *******. When you failed to pay, ****** sold your account to NCB on March 9, 2022. 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 March 11,2022, NCB is the current creditor to whom the referenced debt is owed.

This correspondence is the first request for debt validation received by NCB. In response to this request, NCB sent you debt validation documents on August 25, 2022. We 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 ******. Those documents were 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. 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:08/19/2022
Type:Order Issues
Status:
AnsweredMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
I AM NOT LIABLE FOR THIS DEBT WITH NCB MANAGEMENT SERVICES INC. PO BOX ****- LANGHORNE PA ***** AND DO NOT HAVE A CONTRACT WITH NCB MANAGEMENT SERVICES INC PO BOX ****- LANGHORNE PA 19047 , NCB FILE#**********, THEY HAVE NOT PROVIDED ME WITH THE ORIGINAL CONTRACT AS REQUESTED OR PROOF OF THIS DEBT TO THEM.
Business Response
Date: 09/02/2022
September 2,2022

*************************
**** **************
Lawrenceville, GA *****

RE: Complaint Number ********

Dear *************************,

Thank you for submitting your concerns and providing NCB Management Services Inc. (NCB) an opportunity to respond. The account NCB is attempting to collect was your auto loan originating with ****** ******* *** (******) on February 5, 2016 for the purchase of a 2011 ************* ****. When you failed to pay, ****** sold your account to NCB on April 19, 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. ****** may transfer its rights to NCB without your permission or signature. As stated in our letter dated April 20, 2021, NCB is the current creditor to whom the referenced debt is owed.

Your first request for debt validation documents was received by NCB on March 11, 2022. In response to that request, NCB sent you debt validation documents on March 16, 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 ******. In response to this complaint, NCB sent you another set of debt validation documents on August 23, 2022. Those documents were mailed to the address on this complaint.

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 833-225-5303, ext. ****.

Sincerely,

Clement N*********
Chief Compliance Officer
NCB Management Services, Inc.
***********************
Initial Complaint
Date:08/17/2022
Type:Order Issues
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.
This company is trying to collect a debt from a predatory lender that the Alaska Attorney general is investigating. I contacted the Attorney General concerning MCB and am told that since they are claiming to be owners of a payday loan, they also will have recourse from breaking Alaska Statue Code 06.50.010. I will now be filing a formal complaint against MCB with the Alaska Attorney general. They have also only sent computer-printed paperwork; They have failed to provide full Validation.
Business Response
Date: 09/08/2022
September 7,2022

***** **********
**** ******* *** ste *******
Ketchikan, AK *****

RE:Complaint Number ********

Dear *******************************,

NCB Management Services Inc (NCB) purchased the referenced account on June 24, 2022 from ******* **** (*******). NCB is unaware of and cannot comment on the actions of the parties referenced in your complaint.

In response to this complaint, NCB reconfirms that the referenced debt is valid and owed for the reasons set out in our attached response to your previous Better Business Bureau (BBB) Complaint Number ******** dated July 25, 2022. In that response, we confirmed that on August 1, 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 *******. A review of our records confirms that the validation documents were mailed to the address on this complaint, **** ******* *** ste ******* Ketchikan, AK *****. Additionally, our review confirmed that, as requested in your BBB Complaint Number ********, NCB ceased all attempts at contacting you by phone regarding this account.

In response to your request in this complaint, NCB ceased all attempts at contacting you regarding this account and will continue to do so in the future.

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 833-225-5303, ext. ****.

Sincerely,

Clement N*****
Chief Compliance Officer
NCB Management Services, Inc.
833-225-5303, ext. ****
Initial Complaint
Date:08/16/2022
Type:Billing Issues
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 SERVICE plus they did not provide me with the original application like I asked.account number: ****************amount disputed: $2,411
Business Response
Date: 09/02/2022
September 2,2022

*************************
*** *****************
Columbia, SC *****

RE:Complaint Number ********

Dear *************************,

Thank you for submitting your concerns and providing NCB Management Services Inc. (NCB) an opportunity to respond.

The debt at issue is a credit card account originating with ***************** Bank(CCB).On June 9, 2022, CCB sold the debt to NCB. As a result of the sale, CCB 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 June 15, 2022, 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 documents received by NCB. In a separate mailing, NCB will send you documents containing sufficient information for you to verify that the debt is owed. The documents will be mailed to the address on this complaint. As requested, NCB ceased all attempts at contacting you by phone 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 our Chief Compliance Officer at **********************.

Sincerely,

Clement N*********
Chief Compliance Officer
NCB Management Services, Inc.
***********************
Initial Complaint
Date:08/12/2022
Type:Billing Issues
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.
On July 8,2022,I talked with a Seth Daniel Peasah working for NCB Management (877-760-1507) ext.1708 about debt with ** ********* where I was co signer on my sons loan. He told me that ** ********* had offered my son a settlement to pay off the debt. I explained that I had no clue about it and that I sm on fixed income, retired and only get one check a month. We both agreed on the debt amount of $5,947.48 with me making monthly payments if $200. On the 19 th I mailed a money order in the amount of $200. On today, August 10,2022, I received a text from a **** ****** * to call NCB. I returned the call and I spoke with **** ****** ******. When I asked what the call was about he asked for information that he had got the first time. Then finally he tells me that I had called on the 26 of last month and told them I had mailed a money order in that I had problem with the money gram. I told him that I called on the 19th talked to a female and she said that she would give him the message. I asked did they recieve the payment, he finally checked and he says yes on the 22 nd on July. I ask him why would I call on the 26 when they got the money order on the 22. When I asked him about them sending me something stating my balance after a payment. He asked for my email to send reminders of my payment. Then he tells me that I didnt take the offer of $5,937.48 cause the payments would be $742.90 and I couldnt afford that. I told that’s whhe had agreed to me paying $200 instead of the $742.90. Today the balance was $16,964.22 and they won’t be sending me anything to show a balance after receiving payment. I think this is bad business and told him as well. They tell you one thing and then change it without you knowing. He called to ask when was I making another payment. I feel this is some type of scam to beat people out of money.
Business Response
Date: 08/27/2022
August 27,2022

***********************
*** ***************
Centralia, IL *****

RE:Complaint Number ********

Dear ***********************,

We would like to thank you for submitting your concerns. NCB Management Services, Inc. (NCB) appreciates the opportunity to respond to your concerns.

NCB’s goal is to work with consumers and resolve whatever differences may be involved. A thorough review of your concerns is ongoing in order to resolve this matter. We will report back when our investigation is complete. In the meantime, we have ceased all attempts at contacting you regarding this account.

Sincerely,

Clement N*********
Chief Compliance Officer
NCB Management Services, Inc.
Clement N**********
Initial Complaint
Date:08/10/2022
Type:Billing Issues
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 received numerous spam emails from this company that has to deal with an old bill that was mine but I did talk to the original company that I refuse to owe them anymore money cause I had very expensive items in the car that was sent back that the company that picked up the car refused me to get EVERYTHING out. They have claimed that(the company) I received everything out of the car. I told them with all the items that were in there even some very valuable items that exceeds the so called amount they claim I owe and that with the items in the car was enough to pay the old loan off. I simply will not give this company any money cause they are not the original owner. They have bought out an old account that the previous owners got their money from all the items in the car. So I seriously wish that NCB would stop contacting me about this debt. According to Fair Debt Act I dont owe you anything. I paid the old company off with the items they stole from me when they refuse to let me clean out my items.
Business Response
Date: 08/26/2022
August 26,2022

****** ******
******************* *
Brooklet, GA *****

RE:Complaint Number ********

Dear ****** ******,

Thank you for submitting your concerns and providing an opportunity to respond. NCB purchased the referenced account on August 27, 2020 from ********* ******** *** **** dba **************** (*********) and is unable to comment on any matters predating the purchase. This account was an auto loan, originating with ********* on March 23, 2018 for the purchase of a 2017 ****** ******. As a result of Santander selling the account to NCB, they assigned their rights regarding the account to NCB. NCB is now the current creditor to whom the debt is owed. A review of our records indicates that on August 31, 2020, our initial letter containing the required notifications and disclosures was mailed to you at the address of record at the time.

This correspondence is the first refusal to pay this account you have sent to NCB. NCB will treat your refusal as a request to cease and desist all communications with you regarding this account. Since receiving this complaint, NCB has ceased all attempts at contacting you regarding this account and will continue to do so in the future.

Because you have requested, we cease communicating with you directly, we will not send you debt validation documents unless you specifically ask us to do so. If you would like to request debt validation documents, you may send your request by email to ************* or by mail to NCB Management Services,Inc., P.O. Box ****, Langhorne, PA *****.

Sincerely,

Clement N********
Clement N*********
Chief Compliance Officer
NCB Management Services, Inc.
***********************
Initial Complaint
Date:08/10/2022
Type:Billing Issues
Status:
AnsweredMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
I am not liable for this debt with **** ****** of ********** ***, and I do not have a contract with NCB Management Services, Inc. They did not provide me with any original documentation like I asked, (a consumer contract with my signature on it),pursuant to section 609(a)(1)(A) and section 611(a)(1)(A) of the FCRA and under section 611(5)(A) of the FCRA, are required to promptly delete any and all information regarding or in reference to the unverified account.
Business Response
Date: 08/24/2022
August 24,2022
******* ******
*** ******* ** Apt ***
Virginia Beach, VA *****

RE: Complaint Number ********

Dear ***************************,

Thank you for the opportunity to respond to your concerns. The debt at issue is an internet loan originating with **** ****** of **********, LLC d/b/a ****(****) on August 18, 2016. On July 24, ********* sold the debt to 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 July 27, 2017, NCB sent you a letter notifying you that NCB is now the current creditor to whom the debt is owed.

NCB investigated and verified account information in September 2019 in response to indirect tradeline disputes you made with the credit reporting agencies. A review of our records finds 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 loan agreement, a financial transaction history of the account and the bill of sale agreement between **** and NCB. The documents will be mailed to the address on the complaint. NCB has 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 our Chief Compliance Officer at ***********************.

Sincerely,

Clement N**********
Chief Compliance Officer
NCB Management Services, Inc.
***********************
Initial Complaint
Date:08/09/2022
Type:Billing Issues
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. This account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C. 1681 section 602 A. States that 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 instructions. In accordance with the Fair Debt Collection Practices Act. Debt collectors are not allowed to communicate with me under the 15 USC 1692C
Customer Answer
Date: 08/18/2022
In accordance with the Fair Credit reporting Act. This account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C. 1681 section 602 A. States that 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 instructions. In accordance with the Fair Debt Collection Practices Act. Debt collectors are not allowed to communicate with me under the 15 USC 1692C

I am requesting a correction to my credit report, please delete this account immediately.
Business Response
Date: 09/08/2022
September 8,2022

***************************
*** ****************
Milford, DE *****

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. The debt at issue is an internet loan originating with **** ****** ** ********, LLC D/B/A **** ***** ******) on March 14, 2017. 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.

On December 21, 2017, **** ****** sold the debt to NCB. **** ****** 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 December 26, 2017, NCB sent you a letter notifying you that NCB is now the current creditor to whom the debt is owed.

On October 7, 2019, NCB received your first direct dispute and request for debt validation. At that time, NCB investigated and responded to that dispute by verifying the information we reported accurately reflects the information provided by your original creditor,**** ******. On October 17, 2019 NCB mailed you debt validation documents which included 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 were mailed to the then address on record, *************************************, Harrington, DE *********. In response to this dispute, we completed another investigation by reviewing the information you provided as well as information and documents provided to us by the original creditor and information from our own system regarding the current status of your account. Our investigation confirmed that the information we reported accurately reflects the information provided by your original creditor, **** ******.

On August 26, 2022, NCB mailed you debt validation documents which included 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 were mailed to *******************************, Milford, DE ************.

In sum, NCB is your current creditor and did not violate the **** or 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 will direct the credit reporting agencies 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:08/05/2022
Type:Billing Issues
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 ******** **** ***** ** and i do not have a contract with NCB MANAGEMANT SERVICE. They have refuse to provide me with the original application i asked for
Business Response
Date: 08/26/2022
August 26,2022

*****************************
**** ***********
Hialeah, FL *****

RE: Complaint Number 17679671

Dear *****************************,

Thank you for submitting your concerns and providing an opportunity to respond. NCB Management Services,Inc. (NCB) purchased your account from ************* & ********* (****)on January 22, 2019. This account was an internet loan originating on May 9, 2018. You entered into an agreement with the original creditor, ****. That agreement made you responsible for paying this debt and gave **** the right to collect it from you. When 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 January 24, 2019.

NCB received your first direct request for debt validation documents on July 22, 2022. NCB mailed you those documents on August 16, 2022. We included a copy of the 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 ****. We are required to provide sufficient information for you to verify that the debt is owed and we have met that obligation. This is the first request we have received from you to cease telephone calls. Since receiving this request NCB has ceased call attempts and will continue to honor the request.

NCB will direct the CRAs to update the report to reflect the status of your dispute. This correspondence is the first Should you have any further concerns, please contact our Chief Compliance Officer at ***********************.

Sincerely,

Clement N**********
Chief Compliance Officer
NCB Management Services, Inc.
***********************
Customer Answer
Date: 08/29/2022
[To assist us in bringing this matter to a close, you must give us a reason why you are rejecting the response. If no reason is received your complaint will be closed as Answered]

Complaint: ********

I am rejecting this response because:
I am not responsible for the account i have been a victim of identity theft i have notified my local police department and federal Trade Commission by completing an identity theft report
case #*********

Regards,

*****************************
Business Response
Date: 09/29/2022
September 29, 2022

*****************************
**** ***********
Hialeah, FL *****

RE:Complaint Number ********

Dear *****************************,

Thank you for submitting your concerns and providing an opportunity to respond. This correspondence in response to our correspondence dated August 26, 2022 is the first notification of an identity theft claim you have communicated directly to NCB Management Services, Inc.(NCB). Our previous response validated the debt based on the information provided to us by the original creditor, ************* & *********

To assist us in the investigation of your fraud claim, we have forwarded to you a fraud packet requesting it be completed and returned together with copies of any additional supporting documents you may have available, like the police report or identity theft report. In addition, we have updated our tradeline concerning this account to reflect a dispute. As a reminder, we also stated in our previous response on August 26, 2022, that we have ceased all telephone calls and will continue to honor that request in the future. 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:08/04/2022
Type:Billing Issues
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.
Account number:***************** First off this company is not listed on my credit report in my list of creditors and that is a violation by itself and grounds for removal. Also I declare under penalty of perjury (under the laws of the United States, if executed outside of the United States) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. This item found within my credit report is not related to any transaction that I made. I am alleging that a person or company - without my authorization- used my personal identifying information to apply for goods, services, or money; and was successful in creating this account. This debt collector is in violation for putting this unknown account on my credit report. This has caused me to suffer and its defamation of my character. Moving forward I would like you to stop reporting to all credit reporting agencies that I owe any amount to your company. Remove all false debts from my reports ASAP. I will also like your company to mail me via postal mail all the changes have been made or attempted to be made within 10 days of this complaint. I demand to be compensated as well for pain and suffering.
Business Response
Date: 08/17/2022
August 16,2022

*********************
P O Box ****
Palmetto, FL *****

RE: Complaint Number ********

Dear *********************,

NCB Management Services, Inc. (NCB) appreciates the opportunity to respond to your concerns. The debt at issue is an auto loan originating with ********* ******** *** dba **************** (******** ) on July 26, 2019 for the purchase of a 2018 **** ******** with you listed as buyer and another individual listed as co-buyer. On August 27,2020, ******** sold the debt to 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 August 31, 2020, NCB sent you a letter notifying you that NCB is now the current creditor to whom the debt is owed.

NCB received your first direct dispute and request for validation documents on June 24, 2022. In response NCB investigated and responded to your dispute on July 24, 2022. NCB also mailed you debt validation documents on June 27, 2022 to P.O. Box ****, Palmetto, FL *****. Those documents included 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 ********. While we believe this dispute is duplicative, we conducted another investigation by reviewing information and documents provided to us by the original creditor, the information you provided as well as information from our own system regarding the current status of your account. The documents we have do not substantiate the allegations of your dispute concerning this account. Our investigation confirmed the information we reported to the CRAs was accurate, complete, and reported in compliance with the FCRA and Metro 2 credit reporting standards. In a separate mailing, NCB will send you another copy of the validation documents. The documents will be mailed to the address on this complaint.

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. Should you have any further concerns, please contact our Chief Compliance Officer at **********************.

Sincerely,

Clement N**********
Chief Compliance Officer
NCB Management Services, Inc.
***********************
Customer Answer
Date: 09/07/2022
[To assist us in bringing this matter to a close, you must give us a reason why you are rejecting the response. If no reason is received your complaint will be closed as Answered]

Complaint: ********

I am rejecting this response because: who gave you permissible purpose to report this debt? Where are the contracts and other things I asked you to provide me to prove this debt. I will move forward with a lawsuit in small claims court if you do not provide me all documentation as required by law. I deny this debt

Regards,

*********************
Business Response
Date: 10/26/2022
October 25,2022

*********************
P O Box ****
Palmetto, FL *****

RE: Complaint Number ********

Dear *********************,

NCB Management Services, Inc. (NCB) appreciates the opportunity to respond to your concerns.

As stated in our previous response, the debt at issue is an auto loan originating with ********* ******** *** dba **************** (********) on July 26, 2019 for the purchase of a 2018 **** ******** with you listed as buyer and another individual listed as co-buyer. 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 including the right to collect and credit report the debt as permitted by law. This is what gives us permissible purpose to report this debt.

In response to your first direct dispute and request for validation documents on June 24, 2022, NCB mailed you debt validation documents on June 27, 2022 to P.O. Box ****, Palmetto, FL *****. Those documents included 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 ********. While we believe this dispute is duplicative, NCB will send you another copy of the validation documents. The documents will be mailed to the same address above, which is also the address listed on this complaint. Should you have any further concerns, please contact NCB at
**********************.

Sincerely,
Clement N**********
Chief Compliance Officer
NCB Management Services, Inc.
***********************

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