Collections Agencies
NCB Management Services, Inc.Headquarters
Important information
- Customer Complaint:Please be advised that due to the high volume of complaints received for this business, BBB publishes 1 out of every 10 complaints handled through our conciliation process.
Complaints
This profile includes complaints for NCB Management Services, Inc.'s headquarters and its corporate-owned locations. To view all corporate locations, see
Customer Complaints Summary
- 687 total complaints in the last 3 years.
- 178 complaints closed in the last 12 months.
If you've experienced an issue
Submit a ComplaintThe complaint text that is displayed might not represent all complaints filed with BBB. Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business.
Initial Complaint
Date:01/18/2023
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 was contacted by them to leave a message for my daughter and when I asked what it was regards to, the man said that doesnt matter I took the message down, have a good day *****.They are not to contact me or my daughter, her name is *********************** and her cell is ************. We feel threatened and if there is a debt they need to refer it back to the originator to contact us or close the file.
Business Response
Date: 02/01/2023
February 1, 2023
****** *****
*** ***** ******
Lynchburg, OH *****
RE: Complaint Number ********
Dear ***********************,
Thank you for giving NCB Management Services, Inc. (NCB) the opportunity to respond to your concerns.
NCB had the opportunity to review the call from January 18, 2023, and respectfully disagrees with the allegations in your complaint. Our agent behaved in a courteous manor with no use of profanity. NCB ceased phone calls to your number as of January 18, 2023, and will continue to honor your request. Should you have any further concerns, please contact NCB at ************.
Sincerely,
***************************
Chief Compliance Officer
NCB Management Services, Inc.
************Initial Complaint
Date:01/17/2023
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.
In Accordance with the Fair Credit Reporting act NCB MANAGEMENT SERVICE and 139172X, has violated my rights. I am sending this complaint in my behalf. I'm emotional distress after dealing with unauthorized use of my personal info. Consequently, my credit record contains unauthorized items. They have not responded the letters since I sent them over 30 days ago and they neglected to get back with me with sufficient validation. This account violates the law and must be remove immediately because those are serious violations and I could be compensated for them. I know my rights and I'm seeking litigation.Business Response
Date: 02/01/2023
February 1, 2023
****** *****
**** ******** **** *****
Humble, 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 internet loan originating with *********** ******* of *****, LLC d/b/a **** (**** ******) on September 14, 2018. NCB purchased your account from **** ******, on January 22, 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 credit report the account as permitted by law.
When you failed to pay, *********** sold the debt and transferred its rights to collect and credit report the debt 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 from you and to credit report it as permitted by law. NCB is your current creditor. A review of our records indicates that our initial letter notifying you of this purchase was mailed to you on January 24, 2019.
NCB investigated and verified account information multiple times from February 2020 through November 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. NCB received three prior letters from you requesting debt validation. NCB responded each time by mailing debt validation documents to the address on the letters, which is the same address on your current dispute, on October 3, 2020, November 9, 2022 and December 13, 2022. These documents included the application, a financial transaction history of the account and a copy of the bill of sale agreement between NCB and ***********.
NCB investigated your current dispute by reviewing the information 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. The documents did not substantiate the allegations of your dispute concerning this account.
As part of our investigation, we compared our records to the document you provided which purports to summarize information from the major credit bureaus. The summary document does not reflect the information that NCB reported to the credit bureaus. Summaries prepared by third party sites can be unreliable. In fact, the ************************ (***) warns people to avoid using third party sites to obtain credit report information. Instead, they recommend obtaining a free credit report directly from one of the credit bureaus such as ******** or **********. For more information, visit the FTCs website at *********************************************************.
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 updated our reporting to the credit reporting agencies (CRAs) regarding this account to reflect the status of your dispute. Additionally, other than the requested validation documents mailed to you on December 13, 2023, NCB ceased all attempts contacting you regarding this account as requested in your letter of December 12, and will continue to honor your request.
Should you have any further concerns, please contact NCB at ************.
Sincerely,
***************************
Chief Compliance Officer
NCB Management Services, Inc.
************Initial Complaint
Date:01/16/2023
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.
Acct # ****** balance 3,220.00 This company isn’t operating within the law. 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. Also states a consumer reporting agency cannot furnish an account without my written instructions. 15 U.S.C. 1681c. (a)(5) section states: no consumer reporting agency may make a consumer report containing any of the following items of information any other adverse item of information other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 (A)(1) a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.Business Response
Date: 02/01/2023
February 1, 2023
*****************************
**** ********
Tuscaloosa, 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. The debt at issue is an internet loan originating with *********** of ********************** (**** ******) on January 18, 2020. On April 23, 2020, Rise Credit 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 April 27, 2020, 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 multiple times from July 2021 through November 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. NCB investigated your dispute by reviewing the information and documents provided by the original creditor, and the 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. In a separate mailing, NCB will provide debt validation documents to the address on your dispute, which will include the application, a financial transaction history of the account and a copy of the bill of sale agreement between NCB and ***********.
Additionally, our investigation confirmed the information we reported to the credit reporting agencies (CRAs) was accurate, complete, and reported in compliance with the **** and ***** * credit reporting standards. Based on information provided by the original creditor, we reported February 29, 2020, as the date of first delinquency. This is the date that controls how long the account remains on your credit report. We have never changed the date of first delinquency. We reported April 23, 2020, as the date we purchased the account and opened it in our office. The CRAs and ***** * require us to report this date “date opened”. NCB stands by the accuracy of its reporting to the CRAs regarding this 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. Should you have any further concerns, please contact NCB at ************.
Sincerely,
***************************
Chief Compliance Officer
NCB Management Services, Inc.
************Initial Complaint
Date:01/15/2023
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.
RE: Debt Collection for **********/***** River Bank--NCB Management Services is trying to collect on a debt that is the result of identity theft. The attached documents have been received via **** mail by ************/**** River Bank & NCB Management Services. Due to the high incidence of fraud, I demand any documents presented as evidence of a debt be verified (sworn under oath) as valid. Once sworn evidence is received I will pay any debt owed plus 85% interest.Business Response
Date: 01/31/2023
January 30, 2023
***********************
5136 ****************************
Stone Mountain, GA *****
RE: Complaint Number ********
Dear ***********************,
We would like to thank you for submitting your concerns. NCB Management Services, Inc. purchased the referenced account on November 24, 2022, from ***************** as stated in our letter of November 29, 2022. This is the first communication we have received directly from you concerning a fraud claim. As part of our investigation, we have been in contact with the seller of the account and shared the information you provided. A thorough review will be conducted in order to correctly resolve the matter. Should you have any further concerns, please contact NCB at ************.
Sincerely,
***************************
Chief Compliance Officer
NCB Management Services, Inc.
************Initial Complaint
Date:12/28/2022
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.
They call me everyday, I block the number they call from a different number. Its an everyday occurrence. They need to leave me alone. It's been going on for close to a year.Business Response
Date: 01/10/2023
January 10, 2023
***********************
**** ********** Lot *
Grovetown, GA *****
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 March 8, 2019, for the purchase of a 2016 ********* ******. NCB Management Services, Inc. (NCB) purchased the account on April 19, 2021, from ******.As a result of ****** selling the account to NCB, they assigned their rights regarding this account to NCB. As discussed in our April 20, 2021 letter, 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 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 has never had the opportunity to speak to you to understand any call preferences you may have. This correspondence is the first request we have received from you to cease contact. Since receiving this request NCB has ceased all contact and will continue to honor the request. Should you have any further concerns, please contact NCB at ************.
Sincerely,
***************************
Chief Compliance Officer
NCB Management Services, Inc.
************Initial Complaint
Date:12/27/2022
Type:Status:AnsweredMore info
Complaint statuses
- Resolved:
- The complainant verified the issue was resolved to their satisfaction.
- Unresolved:
- The business responded to the dispute but failed to make a good faith effort to resolve it.
- Answered:
- The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
- Unanswered:
- The business failed to respond to the dispute.
- Unpursuable:
- BBB is unable to locate the business.
I am not liable for this debt with NCB MANAGEMENT and do not have a contract with NCB MANAGEMENT. They did not provide me with the original application like I asked.Business Response
Date: 01/10/2023
January 10, 2023
********* *****
**** *********
Milwaukee, WI *****
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 January 25, 2019, for the purchase of a 2019 ****** ******.NCB Management Services, Inc. (NCB) purchased the account on May 3, 2021, from ******.As a result of ****** selling the account to NCB, they assigned their rights regarding this account to NCB. As discussed in our May 7, 2021 letter, NCB is now the current creditor to whom the debt is owed.
NCB investigated and verified account information in February,April and December of 2022, in response to indirect tradeline disputes you made with the credit reporting agencies. This correspondence is the first direct request for debt validation documents received by NCB. In a separate mailing,NCB will provide debt validation documents to the address on your complaint,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 ******. 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:12/23/2022
Type:Status:AnsweredMore info
Complaint statuses
- Resolved:
- The complainant verified the issue was resolved to their satisfaction.
- Unresolved:
- The business responded to the dispute but failed to make a good faith effort to resolve it.
- Answered:
- The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
- Unanswered:
- The business failed to respond to the dispute.
- Unpursuable:
- BBB is unable to locate the business.
I do not recognize this account and I never had a contract with them. Therefore, it should not be on my credit report.Business Response
Date: 01/06/2023
January 5, 2023
***********************
***** *******************
Saint Ann, MO *****
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 4, 2020. You may also recognize this as your ******* loan. On July 23, 2021, ******** sold the debt to NCB. As a result of the sale, ************* gave NCB information needed to verify the debt is valid and owed and assigned to NCB all of its rights related to the debt, including the right to collect and credit report the debt as permitted by law. On July 27, 2021, NCB sent you a letter notifying you that NCB is now the current creditor to whom the debt is owed.
This correspondence is the first direct request for debt validation documents received by NCB. On January 4, 2023, NCB mailed you debt validation documents to the address on your complaint. This included a copy of loan application, a financial transaction history of the account and a copy of the bill of sale agreement between NCB and *************. NCB updated our reporting to the credit reporting agencies (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:12/22/2022
Type:Status:AnsweredMore info
Complaint statuses
- Resolved:
- The complainant verified the issue was resolved to their satisfaction.
- Unresolved:
- The business responded to the dispute but failed to make a good faith effort to resolve it.
- Answered:
- The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
- Unanswered:
- The business failed to respond to the dispute.
- Unpursuable:
- BBB is unable to locate the business.
In November of 2022, I was reviewing my credit file & came across numerous collection which I did not recognize, know existed or authorize. I contacted the companies to inform them of the issue. They instructed me to file a complaint with bbb.org & credit an bbb complaint report for their records. The following information listed is inaccurate & opened due to identity theft. Please see the following information is blocked from my credit report as I did not benefit or received any goods or services from these account. Here is the list of information I need to removed from my credit report: Fraudulent collection: NCB MANAGEMENT SERVICE (Original Creditor: ******* **** */******) ******* Date Opened Jul 26, 2022 Balance: $6,241.00. Please remove the following information from my file.Business Response
Date: 01/05/2023
January 5, 2023
***********************************
**** **********
Coral Springs, FL *****
RE: Complaint Number ********
Dear ***********************************,
Thank you for submitting your concerns; we take concerns like yours very seriously. NCB Management Services, Inc. (NCB) purchased the referenced account on July 26, 2022, from ************* */****** ********** This account was an internet loan originating with ******* on January 16, 2022. 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. Our initial letter to you stating that we had purchased this account was dated August 31, 2022 and sent to the email address listed in your complaint.
On December 15, 2022, NCB received your request for debt validation , via fax. In response, on December 16, 2022, NCB mailed debt validation documents to the address on your complaint. We included the online application, a financial transaction history of the account and the bill of sale agreement between NCB and *******. In response to this correspondence, NCB completed a thorough investigation of your fraud claim which included reviewing the information you provided, the information and documents provided by the original creditor and the information from our own system regarding the status of your account. The documents we have do not substantiate the allegations of your fraud claim concerning this account. Should you provide any additional information or documentation, NCB will conduct another thorough review. NCB has updated our reporting to the credit bureaus 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:12/19/2022
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 Identified information on my report that are a result of identity theft. Please remove personal information That i do not want on my credit report. According to the fair credit report act 15 USC 1681. I have the right to privacy. Also according to 15 USC 6802. No Financial institution is not suppose to share my information to third party people.
I am not liable for this debt with ******** **** and do not have a contract with them. They did not provide me with the original application like i ask.
This is clear violation of my federally protected consumer right.
Delete Accounts and I want $1000 per Violation.Business Response
Date: 01/03/2023
January 3, 2023
***** ******
*** ***** ****** ** Apt *
Atlanta, GA
*****
RE: Complaint Number ********
Dear ***** ******,
Thank you for submitting your concerns; we
take concerns like yours very seriously. NCB Management Services, Inc. (NCB) purchased the referenced account on
September 21, 2020, from ****** ******* *** (******). This account was an auto
loan originating with ****** on May 26, 2016 for the purchase of a 2016 ****** *******. The loan agreement listed you as the buyer and another individual as
the co-buyer with whom you shared an address. Our initial letter to you stating
we had purchased this account was dated September 25, 2020.
NCB completed a thorough investigation of
your fraud claim by reviewing the information you provided, the information and
documents provided by the original creditor and the information from our own
system regarding the status of your account. The documents we have do not substantiate the allegations of your
dispute and fraud claim concerning this account. Should you provide any
additional information or documentation, NCB will conduct another thorough review.
In a separate mailing to the address on
this complaint, NCB will send you debt validation documents which will include
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 ******. Please
note NCB had previously mailed debt validation documents to *** ****** ****** **** ** ** SE, Atlanta, GA *****, on November 22, 2022, in response to your prior
validation request, however, the documents returned back to us as
undeliverable. NCB has updated our reporting to the credit bureaus to reflect
the status of your dispute. Should you have any further concerns, please
contact NCB at ###-###-####.
Sincerely,
Clement N*****
Chief Compliance Officer
NCB Management Services, Inc.
###-###-####Customer Answer
Date: 01/17/2023
[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:The credit Bureaus never did a proper investigation according to the FCRA
The Term “investigation consumer report” means a consumer report or portion thereof in which information on a consumer’s characteristics or mode of living is obtain through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information.
they did not do this.
Also, they have violated my right even more
in accordance with the Fair Credit Reporting
Everything has to be 100% Accurate on my credit report.
The Credit Bureaus stated account # was properly investigated but how is that possible if the address on file is inaccurate, place of employment. This ground for removal,
They have violated the law because according to
15 U.S.C 1681 section 602 A. States i have right to privacy.
15 U.S.C 1681 section 604 A. Section 2: it also states a consumer reporting agency cannot furnish account without my written instructions.
15 U.S.C 1681c. (a)(5)section states: no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.
15 U.S.C. 1681s-2 (A)(1) A person shall not furnish any information relating to consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
The identified transactions are not information related to any transaction by me as the consumer:
NCB MANAGEMENT SERVICES Account # ***
You are required to do what I am asking and block these transactions from being reported to my consumer report within 4 days from the date of the receipt of this notice. I look forward to your response.
Regards,
***** ******Initial Complaint
Date:12/18/2022
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.
NCB ********************** SERVICES # **XXX, YOU ARE REPORTING INACCURATE INFORMATION ON MY CREDIT REPORT. I REQUEST FOR A FULL DISCLOSER AND I HAVE NOT RECEIVED ANY INFORMATION ABOUT THIS DEBT. I HAVE NOT RECEIVED MY ORIGINAL CONTRACT, SIGN SIGNATURE, OR ANY INFORMATION ABOUT THIS DEBT. CEASE AND DESIST ALL REPORTING OF THIS DEBT ASAP. BY LAW AFTER 30 DAYS THIS ACCOUNT IS NOT MINE. DELETE THIS ACCOUNT ASAP.Business Response
Date: 01/03/2023
January 3,2023
**************************
*** **** ****
Indianapolis, IN *****
RE: Complaint Number ********
Dear **************************,
NCB Management Services, Inc. (NCB)appreciates the opportunity to respond to your concerns. As stated in the attached response to your CFPB complaint ******-*******, on November 21, 2022, NCB mailed debt validation documents and a fraud packet (for your completion and return to **) to the address you provided on that complaint, namely, ****************************, Indianapolis, IN ********. To date, these items have not returned back to us as undeliverable. Additionally, no supporting information or documents have been received from you.
Should you have any further concerns, please contact NCB at ************
Sincerely,
***************************
Chief Compliance Officer
NCB Management Services, Inc.
************
Encl: NCB Response to CFPB Complaint **************
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