Business Profile
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.
- 177 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:12/14/2022
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 received a notice that I have a collection from NCB Management on my credit report. It says it was opened on Mar 28, 2022 for $11,388 with account number starting in ***************** that I am not aware of nor am I responsible for. I never went into business with this company or signed any agreements with them so they should not be reporting anything on my credit. This is a violation of my rights as a consumer according to the FCRA and FDCPA.I would like for this collection to be removed asap or I will file a CFPB and FTC report.
Business Response
Date: 12/28/2022
December 28, 2022
*****************************
**** *****************
Columbia, SC *****
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 April 21, 2018, for the purchase of a 2014 ***** ***. On March 28, 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. ********* 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. On March 31, 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. We waited over a month for you to respond before credit reporting the account on May 17,2022.
This correspondence is the first direct dispute received by NCB. NCB investigated your dispute claim by reviewing the information you provided, the information provided by your original creditor and the information in our records. Our investigation confirmed the information we reported to the credit reporting agencies (CRAs) was accurate, complete, and reported in compliance with the **** and Metro 2 credit reporting standards.
Based on information provided by the original creditor, we reported September 24, 2019, 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 March 28, 2022, as the date we purchased the account and opened it in our office. The CRAs and Metro 2 require us to report this date openedinformation. NCB stands by the accuracy of its reporting to the CRAs regarding this account. 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 *********.
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 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:12/14/2022
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 received a notice that I have a collection from NCB Management on my credit report. It says it was opened on Sep 21, 2020 for $5,408 with account number starting in ******* that I am not aware of nor am I responsible for. I never went into business with this company or signed any agreements with them so they should not be reporting anything on my credit. This is a violation of my rights as a consumer according to the FCRA and FDCPA.I would like for this collection to be removed asap or I will file a CFPB and FTC report.Business Response
Date: 12/28/2022
December 28, 2022
*****************************
**** *****************
Riverdale, GA *****
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 December 23, 2017, for the purchase of a 2017 ****** ******, with you listed as buyer and another individual listed as co-buyer. On September 21, 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. Exeter 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 September 25, 2020.
NCB investigated and verified account information in November 2020, March 2021 and September 2022, in response to indirect tradeline disputes you made with the credit reporting agencies. This correspondence is the first direct dispute received by NCB. 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.
Based on information provided by the original creditor, we reported August 5, 2018,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 September 21, 2020, as the date we purchased the account and opened it in our office. The CRAs and Metro 2 require us to report this date opened information. NCB stands by the accuracy of its reporting to the CRAs regarding this account. In a separate mailing, NCB will provide debt validation documents which will include a copy of the signed contract, 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 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 NCB at ************.
Sincerely,
***************************
Chief Compliance Officer
NCB Management Services, Inc.
************Initial Complaint
Date:12/12/2022
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.
On October 17, 2022, NCB Management Services received my certified letter requesting validation of the account listed as ***************** on my credit report. This collector never provided me with an initial notice, nor did they reply to my request for verification after my letter of dispute. I first discovered this account when reviewing my credit report for accuracy. I did not recall having an obligation to any collector in the amount the debt collector is alleging. Under Texas Consumer Law, where a consumer has disputed the accuracy of an account in writing to a third-party debt collector, the debt collector is mandated to send a letter in writing to the consumer within 30 days either: (1) Denying the inaccuracy of the account; (2) Admitting the inaccuracy; or (3) Stating that the third-party collector has not had adequate time to investigate the inaccuracy. See Texas Finance Code 392.202(a)(3). I did not receive a response to my request for information or documentation within this specified 30 days. At this point, I am respectfully requesting the prompt removal of the aforementioned invalidated account.Business Response
Date: 12/23/2022
December 23,
2022
****** *******
**** ************ **** ****
Dallas, 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 February 23, 2018, for the purchase of a 2014 ******** ***. On March
28, 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. Our initial letter containing the required
disclosures and notification that NCB is now the current creditor to whom the
debt is owed, was mailed on March 31, 2022, to *** ********* ***, Garland, TX *****.
This was the address we had on file from the original creditor, *********, and
the letter did not return back to us as undeliverable.
NCB investigated and verified account information in
August and October 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, *********. On
October 17, 2022, NCB received your letter requesting debt validation. Upon receipt
of your request, NCB immediately ceased all collection efforts and notified the
credit reporting agencies of your dispute while we gathered the debt validation
documents mailed to you on December 2, 2022 to **** ************ **** ****, Dallas TX *****. The law requires us to provide
sufficient information for you to verify that the debt is owed and we have met
that obligation.
Our
investigation of your current dispute 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. NCB updated
our reporting to the credit reporting agencies regarding this account to
reflect the status of your dispute.
NCB’s
goal is to work with consumers to amicably resolve whatever differences may
exist. In keeping with this goal, we are eager to work with you as we have the
many options available to assist in finding the best possible resolution. Should you
have any further questions, please contact NCB at ###-###-####.
Sincerely,
Clement N*****
Chief Compliance Officer
NCB Management Services, Inc.
###-###-####Customer Answer
Date: 01/05/2023
[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:I believe the debt collector missed the whole point of complaint. They are making the complaint about the debt when it's no longer about the debt once they failed to provide a written reply to my request for verification within 30 days as specified under the Texas Finance Code. Essentially debt-collector continued collection activity on account they did not validate and there is no evidence to support their claim. Furthermore due to debt-buyer's willful negligence I have suffered damages both statutory and actual upwards of $10,000. I am respectfully request the prompt removal of the invalidated account. I am making every effort to resolve this matter without presenting my case in court before a jury.
Regards,
****** *******
Initial Complaint
Date:12/10/2022
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.
Not my debt and ask them to leave me alone. No more contact at all . Nothing I mean nothingBusiness Response
Date: 12/23/2022
December 23,2022
***************************
***** **************
Laurinburg, NC *****
RE: Complaint Number ********
Dear ***************************,
We would like to thank you for submitting your concerns. NCB Management Services, Inc. purchased the referenced account on October 20, 2022 from ***************** as stated in our letter of October 26, 2022.
NCB spoke with you on November 14, 2022,when you advised this was not your account and your identity was stolen. To assist us in the investigation of your dispute and fraud claim, our agent encouraged you to file a police report and on December 1, 2022, we forwarded to you a fraud packet requesting it be completed and returned with copies of any additional supporting documents you may have available. To date, we have not heard from or received anything back from you until this correspondence. NCB has updated our tradeline concerning this account to reflect a dispute.
Upon receipt of your current complaint on December 12, 2022, NCB ceased all communication attempts. 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.
************Initial Complaint
Date:12/08/2022
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 NCB Management Services, Inc. claims. I have reported I am victim of fraud and no action was taken from NCB Management Services, Inc. I demand this account be deleted from my credit report. I have sent out disputes to the bureaus and no action was taken from them. Thank you for your assistance.Business Response
Date: 12/22/2022
December 21,2022
**********************
**** *********
Boynton Beach, FL *****
RE: Complaint Number ********
Dear **********************,
We would like to thank you for submitting your concerns. NCB Management Services, Inc. purchased the referenced account on September 26, 2018, from ********* ******** ******** (*********) as stated in our letter of September 28, 2018. NCB respectfully disagrees with the allegations in your complaint. On October 21, 2021, NCB mailed a fraud packet in response to a phone conversation we had with you where you made your first fraud claim to us. NCB mailed it to the address you provided, which is the same address on your current complaint. The fraud packet was never returned back to us and on January 12, 2022, NCB mailed debt validation documents to you, including a copy of the signed contract, the deficiency notice, a financial transaction history of the account as well as a copy of the bill of sale agreement between NCB and *********.
In February and March 2021, and March 2022, NCB investigated and responded to your indirect disputes made with the credit reporting agencies (CRAs) by verifying the information we reported accurately reflects the information provided by your original creditor, *********. As part of our initial investigation, NCB reached out to ********* and confirmed a fraud claim was filed in February 2021. However, there were no supporting documents received to support your claim and the fraud claim was denied by *********.
To assist us in the investigation of your fraud claim, we have forwarded to you a fraud packet requesting it be completed and returned with copies of any additional supporting documents you may have available. Upon receipt of the completed packet, NCB will conduct a thorough review in order to resolve the matter. NCB has updated our reporting to credit bureaus to reflect a dispute. Should you have any further questions, please contact NCB at ************.
Sincerely,
***************************
Chief Compliance Officer
NCB Management Services, Inc.
************Customer Answer
Date: 01/03/2023
[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:These claims need to be removed. I am not liable for this debt NCB Management Services, Inc. claims. I demand this account be deleted from my credit report.
Regards,
**********************Initial Complaint
Date:12/08/2022
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.
On August 16th 2022 I contacted NBC Management and spoke to ****** ******** about an account that NCB was reporting on my credit reports. During this call I was able to come to a settlement agreement concerning this account. Also, during this call it was agreed that NCB would delete their trade line from my credit report upon successful payment of settlement amount. Payment was made the same day on August 16th. NCB has not followed thru and deleted their trade line from my credit reports. They did however report the account as paid. I would ask that NCB adhere to their part of the agreement that I have in writing and delete their trade line as they agreed. The account number was ***** and the NCB file number was **********.Business Response
Date: 12/21/2022
December 21,2022
*************************
*** ***************** Unit *
Springfield, OH *****
RE: Complaint Number ********
Dear *************************,
Thank you for the opportunity to respond to your concerns. NCB Management Services,Inc. has requested its tradeline be deleted with all credit bureaus that we had previously reported your account. Please allow 30 to 45 days for the credit bureaus to process and update their records. Should you have any further questions, please contact NCB at ************.
Sincerely,
***************************
Chief Compliance Officer
NCB Management Services, Inc.
************Initial Complaint
Date:12/06/2022
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 Management Services Incorporated states I have a debt with them. As I do not have a contract with NCB Management Services, they are unable to provide signed verification for any debt owed to them by me. I am not liable for this debt.Business Response
Date: 12/20/2022
TellDecember 20,2022
**** ****
**** ************ #*
Rockford, IL *****
RE: Complaint Number ********
Dear **** ****,
Thank you for giving NCB Management Services, Inc. (NCB) the opportunity to respond to your concerns. The account at issue is an auto loan originating with ****** ******* *** (******) for the purchase of a 2017 ****** *****. 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. ****** may lawfully 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 the debt as permitted by law.As discussed in our October 11, 2021 letter, NCB is now the current creditor to whom the debt is owed.
NCB investigated and verified account information in October and December 2022, in response to indirect tradeline disputes you made with the credit reporting agencies. NCB received your first direct request for debt validation documents by mail on November 21, 2022. In response, on November 22, 2022, NCB mailed debt validation documents to the address on your letter, namely, *********************************Rockford, IL**********. These documents included a copy of the signed contract, the deficiency notice, a financial transaction history of the account, and a copy of the bill of sale agreement between NCB and ******. In response to your current complaint, NCB conducted another investigation by reviewing the information and documents provided by the 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.
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 to reflect the status of your dispute. Should you have any further questions, please contact NCB at ************.
Sincerely,
***************************
Chief Compliance Officer
NCB Management Services, Inc. us why here...Initial Complaint
Date:11/27/2022
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 ********* ******** *** and do not have a contract with NCB MANAGEMENT SERVICE. They do not provide me with the original application like I asked.Business Response
Date: 12/12/2022
December 12,2022
*************************
*** **** ** *
Union City, NJ *****
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 May 24, 2018, for the purchase of a 2018 ****** **********. NCB Management Services, Inc. (NCB) purchased the account on August 27, 2020 from Santander. As a result of ********* selling the account to NCB, they assigned their rights regarding this account to NCB. As discussed in our August 31,2020 letter, NCB is now the current creditor to whom the debt is owed.
NCB investigated and verified account information in September 2021,in response to an indirect tradeline dispute you made with a credit reporting agency. This correspondence is the first direct request for debt validation documents received by NCB. In a separate mailing to the address on this 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 *********. NCB updated our reporting to the credit reporting agencies regarding this account to reflect the status of your dispute. Should you have any further questions, please contact NCB at ************.
Sincerely,
Clement N*********
Chief Compliance Officer
NCB Management Services, Inc.
************Initial Complaint
Date:11/25/2022
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.
NCB Management Services, Inc and all of its subsidiaries are falsely reporting inaccurate information on my credit report, harassing me and causing me financial distress. I'm requesting a copy of the original written agreement between the **************************************** and NCB Management Services, Inc. But to no prevail.Business Response
Date: 12/12/2022
December 12,2022
*******************************
***** **************
Orlando, FL *****
RE: Complaint Number ********
Dear *******************************,
NCB Management Services, Inc. (NCB)appreciates the opportunity to respond to your concerns.
NCB purchased the referenced account on August 27, 2020, from ********* ******** ******** ***** **************** (********). This account was an auto loan originating with ******** on March 22, 2017, for the purchase of a 2014 ****** *******. That loan agreement listed you as co-buyer and another individual listed, with whom you shared a mailing address at the time of purchase, as buyer. The 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 to NCB, gave NCB information needed to verify the debt is valid and transferred its right to collect and credit report the debt as permitted by law 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. As stated in our letter dated August 31, 2020, NCB is your current creditor.
NCB has investigated and verified account information in November 2021 and February 2022, in response to indirect tradeline disputes you made with the credit reporting agencies. This correspondence, along with CFPB Complaint #******-******* received on November 27, 2022, are the first direct disputes and requests for debt validation documents received by NCB. In a separate mailing, NCB will provide debt validation documents to the address on this 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 ********.
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. Our investigation confirmed the information we reported to the credit reporting agencies (CRAs) was accurate, complete, and reported in compliance with the CRAs and Metro 2 credit reporting standards. Based on information provided by the original creditor, we reported April 25, 2019, as the date of first delinquency. This is the date that controls how long the account remains on your credit report. We reported August 27, 2020, as the date we purchased the account and opened it in our office. The CRAs and Metro 2 require us to report this date opened information. We cannot give you legal advice about how to apply the law (statute of limitations) to the facts.
A review of our records over the last year indicates that the number of call attempts made have been reasonable, at times permitted under applicable law, and are in accordance with NCB policy. Your referenced CFPB Complaint is the first request we have received from you to cease all attempts at contacting your regarding this debt.. Except for the debt validation documents requested in the attachment to this complaint, since receiving that request NCB has honored your cease request and will continue to do so
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 stands by the accuracy of its reporting to the CRAs regarding this account. We have updated our reporting 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.
************Initial Complaint
Date:11/23/2022
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 am not liable for this debt with ********* ******** *** and do not have a contract with NCB MANAGEMENT SERVICES. They do not provide me with the original application like I asked. In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 NCB MANAGEMENT SERVICES #*****************, has violated my rights. 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 an account without my written instructions 15 U.S.C 1692 Section 805 A States a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or a time or place known or which should be known to be inconvenient to the Consumer 15 USC 1692 Section 805 A Section 3 States at the consumer's place of employment if the debt collector knows or has reason to know that the consumer's employer prohibits the consumer from receiving such communication. 15 USC 1692 Section 806 Section 5 Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number.Business Response
Date: 12/12/2022
December 12,2022
*************************
* ************** Apt **
Egg Harbor Township, NJ *****
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 29, 2019, for the purchase of a 2011 ****** *******. NCB Management Services, Inc.(NCB) purchased the account on March 28, 2022 from *********. As a result of ********* selling the account to NCB, they assigned their rights regarding this account to NCB including the right to collect and credit report the debt as permitted by law. As discussed in our March 31, 2022 letter, NCB is now the current creditor to whom the debt is owed.
NCB investigated and verified account information in November 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 to the address on this 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 *********.
Additionally, a review of our records indicates that the number of call attempts made have been reasonable, at times permitted under applicable law and in accordance with NCB policy. NCB does not find a single occasion where we were advised of an inconvenient time or place to call. NCB updated our reporting to the credit reporting agencies regarding this account to reflect the status of your dispute. Should you have any further questions, please contact NCB at ************.
Sincerely,Clement N**********
Chief Compliance Officer
NCB Management Services, Inc.
************
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