Complaints

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

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• 

  NCB Management Services, Inc.

  1 Allied Dr Trevose, PA 19053-6945

  
• 

  NCB Management Services, Inc.

  PO Box 1099 Langhorne, PA 19047-6099

  
• 

  NCB Manangement Services Inc.

  8653 Baypine Rd Ste 110 Jacksonville, FL 32256-7547

• 

  NCB Management Services, Inc.

  2517 E 54th St N Sioux Falls, SD 57104-5563

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:06/01/2023

  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 ncb management I do not have a contract with ncb management they did not provide me with the original application like I asked

  

  Business Response

  Date: 06/19/2023

  June 19, 2023
  
  ***********************
  ********************************Apt ****
  Las Vegas, NV *****
  
  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 auto loan originating with ********* ******** *** *** (*********) on April 26, 2017, for the purchase of a 2011 ********** ******. 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 the account was not paid as agreed, ********* sold the debt and transferred its right to collect, and credit report the debt to NCB on August 27, 2020. Santander 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 on October 14, 2020. NCB investigated and verified account information on multiple occasions in response to prior indirect tradeline disputes you submitted with the credit reporting agencies.
  
  This correspondence is the first direct request for debt validation documents received by NCB. In a separate mailing to the address in your complaint, 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 *********.
  
  We investigated your dispute by reviewing the information your provided, the information provided by your original creditor and the information in our records regarding the status of your account. The documents we have do not substantiate the allegations in your dispute. Our investigation confirmed the information we reported accurately reflects this information provided by your original creditor, *********.   
  
  In sum, NCB had a permissible purpose to credit report your debt, the information we reported was accurate, and we met our obligation to investigate and respond to your disputes as required by law.  At NCB, we strive to collaborate with consumers to help them achieve financial freedom. In keeping with this goal, we welcome the opportunity to work with you as there are many options available to assist in finding a resolution for this account. NCB updated our reporting to the credit reporting agencies regarding this account to reflect the status of your dispute. Should you have any further concerns, please contact NCB at ************.
  
  Sincerely,
  
  ***************************
  Chief Compliance Officer
  NCB Management Services, Inc.
  ************

• Initial Complaint

  Date:06/01/2023

  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 explained to NCB on numerous occasional that they purchased a bad debt from **** (*******) and that I've already provided **** the information that my credit information was compromised. They have harassed me and refuse to follow the guidelines in following up with the original creditor. They claim to have completed an investigation but it is clear that they have not because **** has already acknowledged my information and cleared any record of this loan from my report. I have explained to numerous associates this very issue and they refuse to listen and instead try to force me into doing their process. This has become out of hand and I believe I am being forced to take legal action as this debt collector will not stop calling, harassing or sending me information that I did not request and refuses to comply with federal guidelines for collections, as well as a blatant refusal to remove information from my credit report that they have not been authorized to add. Not to mention on the last 4 calls, the various associates have all claimed they have no record of talking to me, yet have claimed that I have requested information and that they have record of speaking with me. So something is not adding up.

  

  Business Response

  Date: 06/15/2023

  June 15, 2023
  
  ***** *****
  *** ***** **
  Bedford, OH
  *****
  
  RE: Complaint Number ********
  
  Dear ***** *****,
  
  Thank you for submitting your concerns and
  providing NCB Management Services Inc (NCB) an opportunity to respond. This
  account was an internet loan originating with ******* **** c/o **** (*******)
  on August 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 the account was not paid as agreed,
  ******* sold the debt and transferred its right to collect and credit report to
  NCB on March 31, 2022. ******* 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 April 4, 2022, containing the required disclosures.
  
  NCB respectfully disagrees with the
  allegations in your complaint. NCB spoke with you shortly after we purchased
  your account on April 1, 2022. You advised our agent that you mailed a check to
  **** about a week ago but didn’t have any details in front of you and would
  call us back in about a week to confirm it’s been received. NCB never heard back
  from you until you responded to one of our emails on September 20, 2022,
  stating that this is a fraudulent account. In response to your email, NCB
  forwarded to you a “fraud packet” requesting it be completed and returned with
  copies of any additional supporting documents to assist in our investigating of
  your fraud dispute. These documents were never returned back to us.
  
  The only other occasion NCB has had direct
  contact with you was a phone call on May 24, 2023, where you advised us of the
  same information contained in your current complaint and then the call was
  disconnected. We responded by sending a second “fraud packet” to the address on
  your current complaint on May 25, 2023.
  
  NCB has completed a thorough investigation
  of your fraud claim, including reviewing the information and documents provided
  to us by the original creditor and the information from our own system
  regarding the status of your account. Additionally, we have reached out to the
  seller and shared the information you provided. ******* responded that your
  prior fraud claim with them was denied and also stated you made several
  payments to the account. The documents we have do not substantiate the
  allegations of your dispute and fraud claim concerning this account.
  
  In sum, NCB had a permissible purpose to
  credit report your debt, the information we reported was accurate, and we met
  our obligation to investigate and respond to your disputes as required by law. If
  you feel there were payments made that have not posted to your account, as you
  stated in our April 1, 2022, conversation with you, or should you provide any
  additional information or documentation to support your claim, NCB will conduct
  another thorough review.
  
  NCB has updated our reporting to credit
  bureaus to reflect the status of your dispute. 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, please contact NCB at ************. You may also
  send your request by email to [email protected] or by mail to NCB
  Management Services, Inc, P.O. Box 1099, Langhorne, PA 19047.
  
  Sincerely,
  
  ******* ******
  Chief Compliance Officer
  NCB Management Services, Inc.
  ###-###-####

  Customer Answer

  Date: 06/29/2023

  [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:
  

  a month prior to your supposed last claim I spoke with one of NCB’s agents and explained the exact same claim of fraud which was found by **** and removed from my credit. The agent refused to hear and follow up on my claim as well as your organization as a whole as well as a complete disregard of updating and properly maintaining notes in my account. What good is alerting a customer of recorded conversations such as the one when I explained to another one of your agents later in 2022 that I thought this was another account and I had not paid this off. Your notes are incomplete and you have completely disregarded any attempts to rectify this situation in the proper manner. If **** has, after selling you the debt, found that the account was fraudulently opened, it is not for me to prove to NCB that this is accurate. NCB has blatantly refused to follow actual legal collecting actions by researching with the team they purchased. NCB leaves me no choice but to pursue legal action in this matter as they have refused my formal request to remove collections from my credit and to contact the proper parties in this matter.

  Regards,
  
  
  
  ***** *****

• Initial Complaint

  Date:05/29/2023

  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 NCB Management Services has violated my rights15 U.S.C 1681b(a)(2) [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 data of an account without my written instructions. The company is falsely accusing me of owing them $14,690 for services I never used and refuse to remove it from my credit report, in direct violation to 15 U.S.C 1692 C (a) 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. They have continued to furnish data and harasses me in reference to this matter. Please delete from my consumer report!

  

  Business Response

  Date: 06/12/2023

  June 12, 2023
  
  ***************************
  *****************************
  Killeen, 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. The debt at issue is an auto loan originating with ********************************** (***********) on May 4, 2018, for the purchase of a 2015 ********** ******. On August 11,2020, *********** 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. *********** 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. On August 17, 2020, NCB sent you a letter notifying you that NCB is now the current creditor to whom the debt is owed and of your rights to dispute the debt and request debt validation.
  
  NCB investigated and verified account information in December 2021 and February 2022, in response to indirect tradeline disputes you made with the credit reporting agencies, by verifying the information we reported accurately reflects the information provided by your original creditor, ***********. This correspondence is the first direct dispute received by NCB. In response, NCB conducted another investigation by reviewing the information and documents provided 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.
  
  Upon receipt of your complaint, NCB has ceased all communications with you. 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, please contact NCB at ************. You may also send your request by email to [email protected] or by mail to NCB Management Services, Inc., PP.O. Box 1099, Langhorne, PA 19047.
  
  In sum, NCB did not violate the FCRA. NCB had a permissible purpose to credit report your debt, the information we reported was accurate. NCB updated our reporting to the credit reporting agencies regarding this account to reflect the status of your dispute. Should you have any further concerns, please contact NCB at ************.
  
  Sincerely,
  
  ***************************
  Chief Compliance Officer
  NCB Management Services, Inc.
  ************

• Initial Complaint

  Date:05/06/2023

  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 NAME: NCB MANAGEMENT SERVICE ACCOUNT NUMBER: ********************** TREVOSE, PA ******* My name is ***************************** and I'm a consumer submitting this complaint on the behalf of myself without any influence from any third party being involved. Fraud has been committed on my consumer report, which violates the FCRA and FDCPA. (Debt Collector Name is using extortionate means to collect on alleged debt. I do not owe that result from extension of credit which violates Title 18 USC 892-894 and constitutes racketeering activities and extortion. This is a notice sent as per the Fair Debt Collection Practices Act (F.D.C.P.A.). 15 U.S.C. 1692 (G) Section 809 B). THIS IS A REQUEST FOR ACCOUNTING: REQUEST REGARDING LIST OF COLLATERAL OR STATEMENT OF ACCOUNT IN REFERENCE TO U.C.C 9-210. This authenticated record must include all tax filings (including all 1099's, 1096's, and 1098'S) any and all trades and/or investments and/or interests associated with this account of which I am alleged to be a party. I have a right to this information, as it's directly associated with the reporting activities. This is also a NOTICE exercising my rights to prevent the processing of my personal data by NCB MANAGEMENT SERVICE. Please be advised that providing a memorandum or other statement from your agency, stating that NCB MANAGEMENT SERVICE the assignment of the account was transferred shall be deemed insufficient. Failure to substantiate the claim, please settle the accounts immediately and cease and desist all communication and have these trade lines deleted from my consumer report. PLEASE BE ADVISED THAT YOUR ARE IN VIOLATION OF MY CONSUMER RIGHTS AND THE FDCPA. A fair resolution would be to CEASE and DESIST of all illegal activities, including reporting which constitutes collection activities. This is also a NOTICE exercising my rights to prevent the processing of my personal data by NCB MANAGEMENT SERVICE and request for you to CEASE AND DESIST REPORTING THIS INFORMATION.

  

  Business Response

  Date: 05/22/2023

  May 22, 2023
  
  *****************************
  **** ******* ***** **
  Hyattsville, MD *****
  
  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 ************* &***** ** (*************) on December 27, 2017. You may also recognize this as your Elastic account. On February 20, 2019, ************* 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 notifying you that we had purchased your account and containing the required disclosures was mailed to you on February 25, 2019.
  
  This correspondence is the first direct dispute and request for debt validation documents received by NCB. In a separate mailing to the address on your complaint, NCB will provide debt validation documents which will include a copy of the online application, the terms and conditions, a financial transaction history of the account, and a copy of the bill of sale agreement between NCB and *************. NCB can confirm that we have not issued a 1099C on this account.
  
  NCB investigated your current dispute 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. The documents we have did not substantiate the allegations in 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.
  
  NCB maintains all appropriate licenses, registrations, and bonds required to conduct business throughout *****************. For more information, visit our website at ******************************* or the **** Consumer Access website at ***********************************. Please note that these websites do not provide a complete listing of all licenses held by NCB. The law does not require us to give you proof of our company's licenses, registrations, bonds, or confidential business contracts. The law requires us to provide sufficient information for you to verify that the debt is owed, and we have met that obligation. NCB cannot give you legal advice about how to apply the law (statute of limitations) to the facts.
  
  Upon receipt of this correspondence, except for the debt validation documents you requested, NCB ceased all communications to you via phone, email, and mail, and will continue to honor your cease-and-desist request.
  
  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 dispute as required by law. NCB updated our reporting to the CRAs regarding this account to reflect the status of your dispute. Should you have any further concerns, please contact NCB at ************.
  
  Sincerely,
  
  ***************************
  Chief Compliance Officer
  NCB Management Services, Inc.
  ************

• Initial Complaint

  Date:04/29/2023

  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 being harassed by this company over a loan I have zero knowledge of and was opened fraudulently when my wallet was/lost stolen which held my drivers license at the time and my social and personal banking info. I have filed fraud alert through the credit bureau and everything when I noticed this account on my credit I did NOT open it!! I’ve never applied for a loan like this in my life and everyday I am being harassed by this company. Today 04/29/2023 they called me and I answered and stated I would get the police involved and the mans response was “ ma’am there is no such thing as phone police” his exact words! I need them to stop harassing me!!

  

  Business Response

  Date: 05/16/2023

  May 16, 2023
  
  
  *************************
  ***********************
  Fayetteville, NC ************
  
  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 an internet loan originating with *********** of ***********, LLC d/b/a ****, on November 3, 2022. NCB purchased the account from **** ****** on April 19, 2023. As a result of the sale, *********** gave NCB information needed to verify the debt is valid and owed and assigned to NCB all its rights related to the debt as permitted by law. As discussed in our April 24,2023, letter, NCB is now the current creditor to whom the debt is owed.
  
  This correspondence is the first identity theft/fraud claim you have communicated directly to NCB. NCB completed a thorough investigation of your fraud claim which included the documents you provided, the information and documents provided by the original creditor and the information from our own system regarding the current status of your account. NCB has also been in contact with the seller of the account and shared the information regarding your claim. The documents we have do not substantiate the allegations of your dispute and fraud claim concerning this account.
  
  NCB’s goal is to work amicably with consumer to resolve any differences that may exist. A review of our records indicates that the number of call attempts made have been with this goal in mind, reasonable, at times permitted under applicable law, and in accordance with NCB policy. A thorough review of your concerns regarding the agents demeanor from April 29, 2023, will be conducted, and appropriate actions taken to remediate any opportunities identified.
  
  This is the first request we have received from you to cease contact with you. Other than responding to your fraud claim, since receiving this request NCB has ceased call attempts, email and mail and will continue to honor your request. 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, please contact NCB at ************. You may also send your request by email to ************* or by mail to NCB Management Services, Inc., P.O. Box ****, *********, ** *****.
  
  Sincerely,
  
  ***************************
  Chief Compliance Officer
  NCB Management Services, Inc.
  ************

• Initial Complaint

  Date:04/05/2023

  Type:Service or Repair 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, NCB Management is reporting collection on consumer's credit reports, *******, ******** and ********** as a debt collection. They reported something on my credit reports in January 2023, I was denied for a home loan, because I had a collection on there, and I have been trying to get it off, because I did not have anything in collection. Consumers have not required this service it just pops up on your credit report and the consumer does not no, why they are being denied credit. This company makes harrassing phone calls, throughou the day, several times a day, early morning hours. NCB Management is violating the FDCPA, by acting as debt collectors, but they are tryng to sell the consumer their service, claiming they will remove any collections, are lates off the consumer's credit report for $1.00, that later the consumer is charged $179 and all your personal information, birthday, social security and credit card information. his is a scam, and it is ruining consumer's credit.

  

  Business Response

  Date: 04/24/2023

  
  ***************************
  ********************************************** *-***
  Cottondale, AL *****
  
  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 is not selling any services. The debt NCB is attempting to collect is an internet loan originating with ************* & ******** (*************) on December 23,2019. You may also recognize this as your Elastic loan.
  
  On October 21, 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 October 24, 2022, 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 December 2022 and February 2023, in response to indirect tradeline disputes you made with the credit reporting agencies (CRAs) by verifying the information we reported accurately reflects the information provided by your original creditor, *************. This is the first direct dispute received by NCB. NCB investigated your current dispute 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 status of your account. Our investigation confirmed the information we reported to the CRAs was accurate, complete, and reported in compliance with the FCRA and ***** * credit reporting standards.
  
  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. Although we believe you may have mistaken us with another party who is attempting to sell you a service, since receiving this dispute, NCB has ceased all call attempts and will continue to do so unless you request otherwise.
  
  In a separate mailing, NCB will provide debt validation documents to the address on your complaint, which will include a copy of the online application, the terms and conditions, 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 FCRA or the FDCPA. NCB, as the owner of your account, 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 updated our reporting to the CRAs regarding this account to reflect the status of your dispute. Should you have any further concerns, please contact NCB at ************.
  
  
  Sincerely,
  
  ***************************
  Chief Compliance Officer
  NCB Management Services, Inc.
  ************

• Initial Complaint

  Date:03/20/2023

  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 sent 3 certified letters to this company, dating back to late January, disputing an alleged account where they claim I owe money to them. I have asked them to provide competent evidence, bearing my signature, that I am contractually obligated to pay this alleged amount. I also have written correspondence from this company stating they are unable to verify the debt as mine and unable to produce any competent evidence, bearing my signature, that I am contractually obligated to pay this alleged account. Therefore, it is unverifiable information and per the FCRA and FDCPA, any information that is unverifiable should be removed or corrected. Not only do I not recognize this account, but I never authorized the sale of ANY debt to ANY third party. All I asked is for this company to verify that this debt actually belongs to me and is my duty to pay - which they have failed to do. I have attached a photocopy of their self-admission of their inability to provide competent evidence to verify the alleged account. It is my legal right to have all unverifiable information removed from my credit reports. They have violated this right. RESOLUTION: Per the FCRA and FDCPA, consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. Inaccurate, incomplete, or unverifiable information must be removed or corrected within 30 days. I have already tried with this company for months and they have been unable to verify the debt is actually mine and was authorized by me. As this is the case, a fair resolution to this issue is the complete removal of this alleged account from all 3 of my credit reports from all 3 of the major credit reporting bureaus.

  

  Business Response

  Date: 03/29/2023

  March 28, 2023
  
  *****************************
  ***************** **
  Tucson, AZ *****
  
  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 ************* & ******** (*************) on January 4, 2019. You may also recognize this as your Elastic loan. 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. On May 22, 2019, ************* 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. On May 24, 2019, NCB sent you a letter notifying you that NCB is now the current creditor to whom the debt is owed.
  
  NCB confirms receipt of the three certified letters attached to your complaint. In response to these letters, NCB mailed debt validation documents on February 1, 2023, March 6, 2023, and March 10, 2023, to the address on your complaint. These documents were sufficient to verify the debt is valid, and included a copy of the 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 *************.
  
  Additionally, in response to these letters and your current dispute, NCB conducted 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 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 Metro 2 credit reporting standards.
  
  A review of our records also indicates that on November 5, 2019, you reached out to us through your CFPB complaint 191105-4526145, where you confirmed you had an Elastic account that had gone to collections and was sold to NCB. You advised of the financial hardships you had recently gone through, and requested we work with you on a plan to pay the full balance owed. In our response, we confirmed that we had not had the opportunity to speak with you regarding your account and provided a phone number to reach us in order to make the desired arrangements to pay in full. Unfortunately, other than the certified letters disputing this debt, we have been unable to have a conversation with you regarding your account.
  
  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 will direct the CRAs to update the report to indicate that you disagree with the results of our dispute investigations. Should you have any further concerns, please contact NCB at ************.
  
  Sincerely,
  
  Clement N*********
  Chief Compliance Officer
  NCB Management Services, Inc.
  ************

• Initial Complaint

  Date:02/22/2023

  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: 03/08/2023

  March 8, 2023
  
  *************************
  *** ***********
  Danville, VA *****
  
  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 ************* & ******** (********) on August 10, 2016. You did not ink-sign an agreement to open this account. You applied online and electronically agreed to the terms and conditions for using the account. On April 22, 2019, ******** 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 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. On April 23, 2019, 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 2020 and 2021 in response to multiple indirect tradeline disputes you made with the credit reporting agencies, by verifying the information we reported accurately reflects the information provided by your original creditor, ********. This correspondence is the first direct dispute received by NCB. In response, NCB completed an investigation by reviewing the information and documents provided to us by the original creditor and the information from our own system regarding the status of your account. The documents do not substantiate the allegations of your dispute concerning this account.
  
  In a separate mailing to the address on your complaint, NCB will provide debt validation documents which will include the application, terms and conditions, a financial transaction history of the account and a copy of the bill of sale agreement between NCB and ********.
  
  In sum, NCB had a permissible purpose to credit report your debt, the information we reported was accurate, and we met our obligation to investigate and respond to your disputes as required by law.NCB updated our reporting to the credit reporting agencies regarding this account to reflect the status of your dispute. Should you have any further concerns, please contact us at ************.
  
  Sincerely,
  
  Clement N**********
  Chief Compliance Officer
  NCB Management Services, Inc.
  ************

• Initial Complaint

  Date:02/20/2023

  Type:Billing Issues
  Status:

  ResolvedMore 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 January 31, 2023 I paid a settlement amount for an old outstanding debt that NCB Management owns. I have received no email confirmation (although their online system indicated I would receive one). The payment has cleared my account 3 weeks ago, however, there has been no update to any of the major credit reporting bureaus that this account is paid, and no further communication from the company.Their systems have been down for more than a week now, so I am unable to login to check status and the phone number provided on their website goes to a phone line that goes to voicemail with a mailbox that is full. This is starting to look suspicious and like a scam. I have also attempted to email the company at the email address provided on their website and that also bounces back. This needs to be cleared from my credit report immediately, as I have fulfilled my obligations according to the settlement agreement displayed on their website.

  

  Business Response

  Date: 03/08/2023

  March 8, 2023
  
  ****************
  **** ********* **
  Concord, CA **********
  
  RE: Complaint Number ********
  
  Dear *****************************,
  
  Thank you for providing an opportunity for NCB Management Services, Inc. (NCB) to respond to your concerns. We apologize for any difficulty you experienced when trying to reach us by phone, email and our website.
  
  On January 31, 2023, NCB received your payment of the agreed settlement amount. NCB follows the requirements of the Fair Credit Reporting Act and the Metro 2 credit reporting standard in our credit reporting processes. In keeping with these requirements, please be advised that on January 31, 2023, NCB reported your payment to the credit bureaus.
  
  Once the settlement process completed on our end, on March 3, 2023, NCB requested its tradeline be deleted with all credit bureaus that we had previously reported your account. Please allow up to 30 to 45 days from March 3, 2023, for the credit bureaus to process and delete your tradeline. If you find the account has not been deleted after 45 days, please contact us again and let us know which credit reporting agency still shows the account. Should you have any further concerns, please contact NCB at ************.
  
  Sincerely,
  
  
  ***************************
  Chief Compliance Officer
  NCB Management Services, Inc.
  ************

  Customer Answer

  Date: 03/23/2023

  
  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me. The company has resolved the issue and explained that their systems were down for two full weeks due to a systems breach of some kind.
  
  Regards,
  
  *****************************
  

• Initial Complaint

  Date:02/02/2023

  Type:Customer Service 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.

  Im not liable for this debt with NCB management services. They did not provide me with the original application that i asked for .

  

  Business Response

  Date: 02/20/2023

  February 20, 2023
  
  ********************
  ***** **************
  Katy, TX *****
  
  Re: Complaint Number ********

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

  Thank you for submitting your concerns and providing us an opportunity to respond.
  NCB Management Services, Inc. requires additional time to complete a thorough review of your concern. An update will be provided as soon as the review is complete.
  Sincerely,
  

  
  ***************************
  Chief Compliance Officer
  NCB Management Services, Inc.
  ************