Business Profile
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NCB Management Services, Inc.Headquarters
Important information
- Customer Complaint:Please be advised that due to the high volume of complaints received for this business, BBB publishes 1 out of every 10 complaints handled through our conciliation process.
Complaints
This profile includes complaints for NCB Management Services, Inc.'s headquarters and its corporate-owned locations. To view all corporate locations, see
Customer Complaints Summary
- 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:07/13/2022
Type:Status:AnsweredMore info
Complaint statuses
- Resolved:
- The complainant verified the issue was resolved to their satisfaction.
- Unresolved:
- The business responded to the dispute but failed to make a good faith effort to resolve it.
- Answered:
- The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
- Unanswered:
- The business failed to respond to the dispute.
- Unpursuable:
- BBB is unable to locate the business.
115 U.S.C 1681 SECTION 602 A STATES- I have a right to privacy. 15 U.S.C 1681 SECTION 604 A SECTION 2: ALSO STATES A COMSUMER REPORTING AGENCY CONNOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 15 U.S.C 1692C STATES: 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 1692B STATES: (4)not communicate by post card; (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 debt; and
Business Response
Date: 07/27/2022
July 27,2022
*******************************
**** ****************
Las Vegas, NV *****
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 April 22, 2022 from ************* & ********* (*************). This account was an internet loan originating on November 15, 2019. 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 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 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 and credit report the debt. As stated in our initial letter dated April 25, 2022 NCB is your current creditor to whom the debt is owed.
In response to this dispute, 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 we have do not substantiate the allegations of your dispute concerning this account. On July 15,2022 NCB mailed debt validation documents to you. The documents 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 *************. The documents were mailed to the address on this compliant.
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. 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:07/12/2022
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 the convergent. They did not provide me with the original application like I asked.Business Response
Date: 07/27/2022
July 27,2022
*************************
**** ********** ***
Marietta, GA *****
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 May 3, 2021 from ****** ***** ********** ******* *** (******). This account was an auto loan originating with ****** on October 11, 2016 for the purchase of a 2016 ****** ******. 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 stated in our letter dated May 7, 2021, NCB is now the current creditor to whom the debt is owed.
A review of our records finds this correspondence to be the first direct request for validation we have received regarding this account. On July 18, 2022, NCB mailed you debt validation documents. The 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 Nissan. The documents were mailed to the address on this 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 833-225-5303, ext. ****.
Sincerely,
Clement N*****
Clement N*****
Chief Compliance Officer
NCB Management Services, Inc.
***********************Initial Complaint
Date:07/09/2022
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 complain is due to the negative marks made by your company on my credit file. I would be willing to accept this debt if it were mine and upon Validation and Proof of Claim but its not mine and theres no way that you can validate it. So let it be known that I am requesting full validation of this debt. I demand that you take action to this matter because it is causing me a lot of stress lately. Please remove this negative account in my credit report. The value of my credit worthiness is at stake.Business Response
Date: 07/28/2022
July 28,2022
***************************
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 ************* & ******** (********) on September 29, 2021. On April 22,2022, ******** 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 April 25, 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 debt validation documents which will include 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 ********. We are required to provide sufficient information for you to verify that the debt is owed and we believe we have met that obligation with these documents. The documents will be mailed to the address in your separate correspondence to NCB received on July 20, 2022, namely; ********************* Houston, Texas***********.
Other than these debt validation documents; NCB will honor the request in your referenced correspondence 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 ***********************.
Sincerely,
Clement N**********
Chief Compliance Officer
NCB Management Services, Inc.
***********************Initial Complaint
Date:07/08/2022
Type:Status:AnsweredMore info
Complaint statuses
- Resolved:
- The complainant verified the issue was resolved to their satisfaction.
- Unresolved:
- The business responded to the dispute but failed to make a good faith effort to resolve it.
- Answered:
- The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
- Unanswered:
- The business failed to respond to the dispute.
- Unpursuable:
- BBB is unable to locate the business.
i am not liable for this debt with ** ****** ******* *** and do not have a contract with ncb management service. They did not provide me with the orginal application like i asked for. violating serval consumer rightsBusiness Response
Date: 07/23/2022
July 23,2022
***************************
**** ***************
Cutler Bay, FL *****
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. The account at issue is an auto- loan originating with ****** ******* *** (******) for the purchase of a 2012 ***** ******. 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, causing the loan to go into default, ****** sold the debt and transferred its rights to collect and credit report the debt to NCB on October 6, 2021. 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 November 12, 2021.
NCB has investigated and verified account information previously in response to your indirect dispute. While we believe this dispute is duplicative, we conducted another investigation using the information you provided and the information provided by the seller of the account. Our investigation confirmed the information we reported to the credit reporting agencies regarding this account was accurate, complete, and reported in compliance with the **** and ***** * credit reporting standards. 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 this complaint. We will direct the credit reporting agencies to update the report to indicate that you dispute the account. Should you have any further concerns, please contact our Chief Compliance Officer at ***********************.
Sincerely,
Ross E******
Assistant General Counsel
NCB Management Services, Inc.
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