Collections Agencies
NCB Management Services, Inc.Headquarters
Important information
- Customer Complaint:Please be advised that due to the high volume of complaints received for this business, BBB publishes 1 out of every 10 complaints handled through our conciliation process.
Complaints
This profile includes complaints for NCB Management Services, Inc.'s headquarters and its corporate-owned locations. To view all corporate locations, see
Customer Complaints Summary
- 688 total complaints in the last 3 years.
- 178 complaints closed in the last 12 months.
If you've experienced an issue
Submit a ComplaintThe complaint text that is displayed might not represent all complaints filed with BBB. Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business.
Initial Complaint
Date:08/02/2022
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 Has failed multiple times to validate the alleged debt, however they are reporting a balance of $4550 to credit bureaus. Furthermore, NCB is reporting missed payments as well - this couldnt be possible as to my knowledge I have no account with NCB, I never have, nor have I made any payment arrangements in any manner for any allergies debt. NCB is false reporting this info and this is highly illegal. I have copies of emails sent to NCB that went unanswered resulting in their failure to validate the debt in 30 days from first contact per Federal regulations. Their reps have hung up on me when I ask questions or refuse to answer their questions, though I am well within my right to do so. As a debt collector, NCB is legally required to answer a consumers questions and/or provide all documents requested within a very specific timeframe or the debt cannot be acted on or collected on. NCB has harassed me via phone call multiple times, calling my cell, work and family even after being told to stop. NCB has broken multiple laws - failing to validate the alleged debt, falsely reporting a debt causing negative impacts to credit, and harassment. I will be seeking legal counsel moving forward. However, NCB can opt to immediately remedy the matter by 1) removing the debt and all remarks from all credit reporting agency databases they report to, 2) marking the alleged debt as uncollectible since they failed to validate it months ago and 3) placing a no contact order on their files connected to my personal info. They may contact me 1 further time to inform me that the above steps have been completed and provide proof of completion as well. Failure to do so within 10 business days will result in my filing of legal action against NCB.
Business Response
Date: 08/17/2022
August 17,2022
*************************
**** *********************
Indianapolis, IN *****
RE: Complaint Number ********
Dear *************************,
Thank you for submitting your concerns; NCB Management Services, Inc. (NCB) takes concerns like yours very seriously.
NCB respectfully disagrees with the allegations in your complaint and understands that you may not have recognized this account. NCB purchased the referenced account on February 24, 2022 from ************* &***** **. (*************). This account was an internet loan originating with ************* . You did not ink-sign an agreement to open this account. You applied online on June 20, 2021 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.
When you failed to pay, ************* sold the debt and transferred its rights to the debt 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 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. 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. On February 28, 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.
NCB investigated and verified account information in April, May and June 2022 in response to indirect tradeline disputes you made with the credit reporting agencies. NCB investigated and responded to those disputes by verifying the information we reported accurately reflects the information provided by your original creditor, *************. After responding to those disputes, we told the credit reporting agencies to mark the debt disputed on your credit report.
A review of our records finds this correspondence to be the first direct dispute or request for debt validation received by NCB regarding this account. In response to this dispute, we completed an investigation by reviewing the information you provided, the information and documents provided to us by the original creditor and the 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 credit reporting agencies (CRAs) was accurate, complete, and reported in compliance with the FCRA and ***** * credit reporting standards. We reported February 24, 2022 as the date we purchased the account and opened it in our office. The CRAs and ***** * require us to report this date openedinformation. When payments are received, NCB will report those payments and as well as the updated balance. In a separate mailing on August 5, 2022, NCB mailed you debt validation documents to the address on this complaint. The documents included a copy of the loan application,a financial transaction history of the account and a copy of the bill of sale agreement between NCB and *************.
Additionally, a review of our records indicates that the number of call attempts made have been reasonable, at times permitted under applicable law, and are in accordance with NCB policy. NCB does not find a single occasion where the number of call attempts in a single day approached the number stated in your complaint. Our records indicate that our attempts at contacting you on phone, with the sole intent of discussing a resolution to the account, have gone unanswered and no verbal contact has ever been established between you and our representatives.
Finally, our investigations did not find any records of inbound calls you made to our offices or copies of correspondence you sent to NCB by mail or email, requesting NCB to provide you with answers to specific questions regarding the account. In fact, this complaint is the first correspondence we have received from you requesting that NCB cease all attempts at contacting you regarding this account.
Other than the debt validation documents referenced above NCB has, since receiving this complaint, ceased all attempts at contacting you regarding this account and will continue to honor that request in the future. 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 CRAs to reflect 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:08/01/2022
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.
15 U.S.C 1681 section 602 A. States I Have The Right To Privacy. 15 U.S.C 1681 section 604 A. Section 2 it also states a consumer reporting agency Cannot furnish a account Without my written Instructions 15 U.S.C 1692 C Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt 15 U.S.C 1692 B (5) not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debtBusiness Response
Date: 08/19/2022
August 19,2022
******* ******
**** ** ** **
Miami, FL *****
RE: Complaint Number ********;
Dear ***************************,
NCB Management Services, Inc. (NCB) appreciates the opportunity to respond to your concerns.
NCB respectfully disagrees with the allegations in your complaint. The referenced account was an auto loan, originating with from ****** ******* *** (******) on April 15, 2019 for the purchase of a 2015 ****** ******. On April 19, ************ 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. ****** 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 notifications and disclosures was mailed to you on April 20, 2021.
NCB investigated and verified account information on multiple occasions in 2021 and 2022 in response to indirect tradeline dispute you made with credit reporting agencies (CRAs). Most recently on July 12, 2022, NCB sent debt validation documents to the address on this complaint. These 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 Exeter. We have investigated your current dispute by reviewing the information you provided, the information provided by your original creditor and the information in our records regarding the status of your account. The documents did not substantiate the allegations of your dispute concerning this account. Our investigation concluded that NCB did not violate the FRCA or FDCPA and reported accurate information about your account to the CRAs.
In sum, this debt is valid and owed to NCB. We have updated our credit reporting to reflect the status of your dispute. Should you have any questions, please contact our Chief Compliance Officer at **********************.
Sincerely,
Clement N**********
Chief Compliance Officer
NCB Management Services, Inc.
***********************Initial Complaint
Date:07/28/2022
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'm filing a complaint against NCB Management Services which I have attempted to do on several occasions and nothing has been resolved. According to 15 U.S.C. 1681 sec 602 A, I have the right to privacy. 15 U.S.C. 1681 Sec 604 A sec 2 also states a consumer reporting agency cannot furnish an account without my written instructions. 15 U.S.C. 1962 C without prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with collection of any debt. I have uploaded documents below stating that I've tried disputed this.Business Response
Date: 08/12/2022
August 12,2022
***********************************
**** **********************
Stockbridge, GA *****
RE: Complaint Number ********;
Dear ***********************************,
Thank you for submitting your concerns; NCB Management Services, Inc. (NCB) takes concerns like yours very seriously.
NCB purchased your account from ****** ******* *** (******) on September 21, 2020. The account is an auto loan originating with ****** on August 20, 2018 for the purchase of a 2018 Jeep Renegade. 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. On September 25,2020, NCB sent you a letter notifying you that NCB is now the current creditor to whom the debt is owed. The letter was mailed to the then address on record ***************************, Stockbridge, GA *****-****.
In response to your request received on December 13, 2021, NCB sent you debt validation documents on January 6,2022. 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 ******. In response to this complaint, NCB completed a thorough 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 the information we reported to the credit reporting agencies (CRAs) was accurate, complete, and reported in compliance with the FCRA and Metro 2 credit reporting standards.
Additionally, on July 29, 2022 NCB mailed you another set of debt validation documents to the address on this complaint namely 1740 Hudson Bridge Rd Stockbridge, GA 30281. The 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 ******.
In sum, NCB did not violate the FCRA 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 update our reporting to the CRAs regarding this account 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:07/26/2022
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 am not liable for this debt with ********* ******** ******* and do not have a contract with convergent. They do not provide me with the orginial application like I asked.Business Response
Date: 08/16/2022
August 16,2022
******** ******
**** * * *** ******* ** ****
Oklahoma City, OK *****
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 ********* ******** *** (*********) on June 20, 2019 for the purchase of a 2014 ******** ****. On March 29, 2022, ********* 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 March 31, 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 dispute or request for debt validation received by NCB. In response, 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 did not substantiate the allegations of your dispute concerning this account. On August 9, 2022, NCB sent you debt validation documents which 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 *********. The documents were sent to the address on file at **** * * *** ******* ** ***** Oklahoma City, OK *****. We have directed the credit bureaus to update the report to indicate 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:07/26/2022
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 viewed a printout of my credit record and found some errors. I believe that these items are damaging my credit file and costing me too much time and money every year. These disputed accounts were claimed to have been accurate or verified. DISPUTE REASON: "CONTRACTS WERE CANCELLED" "NO CONTRACT EXIST" These accounts are still inaccurate and need to be corrected or deleted as soon as possible; Here are the things that I want to be verified as accurate: Alleged Creditor: NCB MANAGEMENT SERVICE Alleged Original Creditor Account: ******** **** ***** ** and **** ****** ** ******* *** Debt Collector’s Account Number: ** and ****** Alleged Debt Amount or Balance: $2,602.00 and $3,108.00 Cc: Consumer Financial Protection Bureau P.O. BOX **** IOWA CITY, IOWA ***** Cc: FEDERAL TRADE COMMISSION 600 PENNSYLVANIA AVE NW WASHINGTON, DC 20580Business Response
Date: 08/11/2022
August 11,2022
*****************************
**** ***********
Montgomery, AL *****
RE: Complaint Number ********
Dear *****************************,
Thank you for submitting your concerns and providing an opportunity to respond.
We have completed a review of the matter. On December 10, 2021 you mailed a settlement check of $548.50 in acceptance of the settlement offer contained in our letter dated November 5, 2021 to settle the **** ****** ** ******* account referenced in your complaint. Similarly, on December 10, 2021 you mailed a settlement check of $ 459.31 in acceptance of the settlement offer contained in our letter dated November 5, 2021 to settle the ******** **** account referenced in your complaint. Our records do not find that a tradeline deletion was part of this settlement arrangement or even discussed at the time.
NCB follows the guidelines for debt purchasers in its credit reporting processes. In keeping with those guidelines and after the terms of the settlement arrangement were completed, NCB on March 3, 2022, requested an update to its trade line for each of the referenced accounts to reflect a status of settled with a zero balance. This request was sent to all credit reporting agencies (CRAs) to which we had previously reported your account. NCB stands by the accuracy of its reporting to the CRA’s with respect to the accounts referenced in your complaint. Should you have any further concerns, please contact our Chief Compliance Officer at ************, ext. ****.
Sincerely,
Clement N*****
Chief Compliance Officer
NCB Management Services, Inc.
***********************Initial Complaint
Date:07/25/2022
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.
This company continues to call even though they were asked so cease and desist. They were told to send any business they had through US mail and that is how I will correspondence. All they sent was a paper that talked a little bit about themselves but thats it. They refuse to send anything that has to do with why they are harassing me by phone. Im having to block their numbers so they will stop. They have my name and address so why are they refusing to send mail correspondence?? They are currently violating my rights.Business Response
Date: 08/08/2022
August 8,2022
******************************************************************* ste *******
Ketchikan, AK *****
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 June 24, 2022 from ************ (*******). This account was an internet loan originating with ******* on May 6,2021. 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.
When you failed to pay, ******* sold the debt and transferred its right to collect and credit report to NCB on June 24, 2022. ******* *** 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 June 28, 2022 containing the required disclosures
This complaint is the first request we have received from you to cease telephone calls and to communicate with you only through US mail. A review of our records indicates that the number of call attempts made have been reasonable, at times permitted under applicable law, and are in accordance with NCB policy. Since receiving this request NCB has ceased all attempts at contacting you by phone regarding this account and will continue to honor your request.
This complaint is also the first request received by NCB for debt validation documents. 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 *******. 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 concerns, please contact our Chief Compliance Officer at **********************
Sincerely,
Clement N*********
Clement N*********
Chief Compliance Officer
NCB Management Services, Inc.
***********************Initial Complaint
Date:07/23/2022
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.
This company is reporting inaccurate information on my credit reports. This company has added this account to my report and never contacted me prior. This company verified this debt as valid, after several attempts from me to get proof that this is my account and validation and verification. I am disputing ownership and amounts. They are reporting different information on each credit bureau report. This company is in violation of Oklahoma Okla. Stat. tit. 15 § 753 and the FDCPA and FCRA. As such, I am entitled to relief under those provisions. I will be contacting the ACA International as they are in violation of the Ethical Code of Conduct, IACC as they are in violation of their Code of Ethics and Article IV of the Bylaws, CFPB, the RMAI as they are in violation of their Code of Ethics for membership, the CLLA as they are in violation of their standards and requirements and the Attorney General in the State of Pennsylvania, as well as my State of Oklahoma since they are doing business in the State.Business Response
Date: 08/10/2022
August 10,2022
*********************************
*** **********
Moore, OK *****
RE: Complaint Number ********
Dear *********************************,
NCB Management Services, Inc.(NCB) appreciates the opportunity to respond to your concerns.
NCB purchased the referenced account on February 20, 2019 from ************* &***** **. (*************). This account was an internet loan originating with ************* on October 23, 2017. 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 **** as stated in our initial letter dated February 25, 2019. This letter was mailed to the then address on record,*** **********,Moore, OK **********
A review of our records finds that your first direct dispute and request for debt validation documents was received by NCB on July 21, 2022. At that time, NCB investigated your dispute and responded that our investigation of your dispute confirmed the debt to be valid as stated in our letter dated July 25, 2022. Additionally, on July 25, 2022 we mailed debt validation documents to you. The validation documents were mailed to the address on this complaint. Those documents comprised of over 22 pages of documents with sufficient information to verify that the debt is owed including the application,the credit agreement, 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 completed a thorough investigation by reviewing the information you provided, information and documents provided to us by the 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 (CRAs) was accurate, complete, and reported in compliance with the FCRA and ***** * credit reporting standards. We reported February 20, 2019 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 reports the same information regarding this account to **********, *******, and ********.
In sum, NCB did not violate the FDCPA or the FCRA. NCB had a permissible purpose to credit report your debt, the information we reported was accurate, and we met our obligation to investigate and respond to your disputes as required by law. This complaint is the first request we have received to cease communications with you regarding this account. Since receiving this request NCB has ceased all communications attempts on this account and will continue to honor the request. We have directed the CRAs 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.
***********************Initial Complaint
Date:07/19/2022
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 am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion.Business Response
Date: 08/01/2022
August 1,2022
*************************
**** ******* **
Rosamond, CA *****
RE:Complaint Number ********
Dear *************************,
Thank you for submitting your concerns; NCB Management Services, Inc. (NCB) takes concerns like yours very seriously.
NCB purchased the referenced account on November 18, 2016 from **** ****** of **********, LLC (****) as stated in our letter of November 23, 2016. This account was an online loan originating with Rise on June 9, 2016. This complaint is the first identity theft claim that has been communicated to NCB regarding this account. To assist us in the investigation of your dispute and identity theft claim, NCB will forward you a fraud packet requesting it be completed and returned with copies of any additional supporting documents you may have available. In addition, we have updated our tradeline concerning this account to reflect a 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:07/18/2022
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 NCB Management Services. They did not provide me with the original application like I asked.Business Response
Date: 08/08/2022
August 8,2022
******** ***********
***** ********
Laurelton, NY *****
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 November 24, 2017 for the purchase of a 2012 ******** * *****. NCB Management Services, Inc. (NCB) purchased the account on April 19, 2021 from ******. As a result of the sale, ****** gave NCB information needed to verify the debt is valid and owed and assigned to NCB all of its rights related to the debt, including the right to collect and credit report the debt as permitted by law. As discussed in our April 20, 2021, 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. On August 5, 2022, NCB mailed you documents sufficient to validate the debt 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 ******. 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*********
Clement N*********
Chief Compliance Officer
NCB Management Services, Inc.
***********************Initial Complaint
Date:07/15/2022
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.
Constantly calling me all hours of the day and evening starting at 7 a.m. in the morning and as late as 11 at night they need to stop calling and harassing meBusiness Response
Date: 07/29/2022
July 29,2022
*************
*** ***********
Seabrook, NH *****
RE:Complaint Number ********
Dear **** ****,
Thank you for submitting your concerns; NCB Management Services, Inc. (NCB) takes concerns like yours very seriously.
NCB purchased the referenced account from ********* ******** ******** on September 26, 2018. This account was an auto loan, originating with ********* on March 21,2015 for the purchase of a 2013 ******** ***. The loan agreement listed you as buyer while another individual, with whom you shared a mailing address, was listed as co-buyer. As a result of ********* selling the account to NCB, they assigned their rights regarding the account to NCB. As discussed in our September 26, 2018 letter containing the required notifications and disclosures, NCB is now the current creditor to whom the debt is owed.
NCB respectfully disagrees with the allegations in your complaint. A review of our records finds that in the last 6 months preceding your complaint, no call attempts have been made on this account. Our investigation finds the last phone contact on the account was on April 25, 2022 when you called in to speak with our representative. During that call you submitted your first dispute and fraud claim. In response, our representative confirmed that NCB would cease all attempts at contacting you regarding the debt and mail a fraud packet for your completion and return to us to enable us investigate your fraud claim. The fraud affidavit was mailed to the address on file ************************Rochester NH*********. As of the date of your complaint, NCB had not received the completed fraud packet back from you.
NCB will resend the fraud packet to the address on your complaint requesting it be completed and returned with copies of any additional supporting documents to assist in our investigation of your fraud dispute. In the meantime, NCB will continue to observe the cease in contact attempts and notify the credit reporting agencies about this dispute investigation. Should you have any further concerns, please contact our Chief Compliance Officer at ***********************.
Sincerely,
Clement N************
Clement N*************
Chief Compliance Officer
NCB Management Services, Inc.
***********************
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