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: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.
Reached a settlement agreement with collection agency named in complaint , paid the amount agreed on $542.70 , but they did not honor the agreement of deleting from credit bureau, and did not settle my account. They just deducted the payment from the original amount and still left me owing . Then they updated balance with credit bureaus . This is not right and borders on FDCPA AND FCRA compliance. Do what we agreed upon.
Business Response
Date: 12/08/2022
December 8,2022
***** *****
*** *****************
Williamston, SC *****
RE: Complaint Number ********
Dear ****************,
Thank you for submitting your concerns; NCB Management Services, Inc. (NCB) takes concerns like yours very seriously.
We have completed a review of the matter. Our records indicate that a trade line deletion was not part of the arrangement you made when you agreed on October 26, 2022, to settle this account by November 18, 2022. NCB received your payment to complete this settlement on November 10, 2022. It is our goal to work with consumers and resolve whatever differences may be involved. In keeping with this goal, NCB 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,
Clement N*******
Chief Compliance Officer
NCB Management Services, Inc.
************Initial Complaint
Date:11/22/2022
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.
NCB (Original Creditor: ** ********* ******** *******) ***************** $5,803.00 - I have no idea why I have this collection. I never had any business relationship with this company. Please help me remove this.Business Response
Date: 12/12/2022
December 12,2022
****** ******* ****** **
**** **** ******* **
Safety Harbor, 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 September 26, 2018 from ********* ******** ******* (Santander). This account was an auto loan originating with ********* on June 3, 2015 for the purchase of a 2011 **** ******. Our initial letter to you stating that we had purchased this account was dated September 28, 2018.
NCB completed a thorough investigation of your fraud claim by reviewing the information you provided, the information provided by your original creditor and the information in our records regarding the status of your account. The documents 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. NCB has updated our reporting to credit bureaus 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:11/21/2022
Type:Status:AnsweredMore info
Complaint statuses
- Resolved:
- The complainant verified the issue was resolved to their satisfaction.
- Unresolved:
- The business responded to the dispute but failed to make a good faith effort to resolve it.
- Answered:
- The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
- Unanswered:
- The business failed to respond to the dispute.
- Unpursuable:
- BBB is unable to locate the business.
this is my response to your response your company submitted to me through **** portal. in your response you have stated that you sent the verification documents in order for ME to validate this debt, which make sense since you are a third party and legally cannot validate any of my debts. but in your response, you have provided the wrong mailing address as you stated **** ******* ******* **, Orlando, FL *****. i do not live at this address i live in the one attached to the complaint in Miramar Florida. thanks to you someone else will have a hold of my personal information. but i am demanding you submit all verification documents to validate this debt through BBB portal so you don't violate my privacy once more. under 15 USC 1692g(4) you must submit verification or a court order which would allow you to participate in this collection of this debt, so im requesting you submit proper verification in accordance with black laws dictionary 2nd edition "Verification means Confirmation of the correctness, truth, or authenticity of a pleading, account, or other paper, by an affidavit, oath, or deposition. See ******** v. ***********". so unless you can provide a sworn statement by affidavit or a court order than this account shall remained invalidated and must be delete from my consumer report. You have also constituted in a false and misleading representation in your last response as have failed to communicate that this communication is from a debt collector and this is an attempt to collect a debt and any information obtained will be used for that purpose in violation under 15 USC 1692e(11). You have also submitted to me a deceptive form referring to you as my creditor but under 15 USC 1692a(4) a debt buyer or someone who receives a debt from transfer legally cannot be a creditor by definition making you in violation for furnishing a deceptive form under 15 USC 1692j. i have documentary evidence of your unfair and deceptive collection practices which i will use if needed.Business Response
Date: 12/15/2022
December 15,2022
*********************************
**** ************
Miramar, FL *****
RE: Complaint Number ********
Dear *********************************,
Thank you for giving NCB Management Services, Inc. (NCB) the opportunity to respond to your concerns. There was an issue with our initial response to your **** ******-******* on November 21, 2022 being misdirected. With the assistance of the ****, NCB recalled the misdirected response and submitted the following on November 23, 2022:
NCB Management Services, Inc. (NCB) appreciates the opportunity to respond to your concerns. NCB purchased the referenced account on August 1, 2019, from ********* ******** ******* (*********). This account was an auto loan originating with Santander on May 17, 2018, for the purchase of a 2018 **** *****. That loan agreement made you responsible for paying this debt and gave ********* the right to collect it from you and to credit report the debt as permitted by law. When you failed to pay, ********* sold the debt and transferred its right to collect and credit report to NCB.Santander may lawfully transfer its rights to NCB without your permission or signature. You are still bound by your original agreement to pay this debt. The difference is that NCB now owns the right to collect it from you and credit report it as permitted by law. On August 6, 2019, 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 September 16, 2019.
The letter attached to and referenced in your complaint dated October 5, 2022, was never received by NCB. This correspondence is the first direct request for debt validation documents received by NCB. On November 9, 2022, NCB mailed debt validation documents to the address on your complaint, namely, **** ********* ***** ****** Apt ***, Miramar, FL *****. 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 *********.
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 ***********************************. For the state of Florida, you may also visit ***********************************************. Please note that these websites do not provide a complete listing of all licenses held by NCB. The law does not require us to provide every item listed on your letter attached to and referenced in this complaint. The law requires us to provide sufficient information for you to verify that the debt is owed and we have met that obligation.
In sum, NCB is your current creditor and did not violate the FCRA or FDCPA, NCB had a permissible purpose to credit report your debt, the information we reported was accurate, and we met our obligation to investigate and respond to your dispute as required by law. We have directed the credit reporting agencies to update our reporting regarding this account to reflect the status of your dispute. NCB had already ceased all collections calls per your request as a result of our conversation with you on October 9, 2019. During that conversation you also mentioned you needed more time and would call us back when you were ready to discuss a resolution. We are eager to continue this conversation with you as we have many options to assist in finding the best possible resolution. Upon receipt of this complaint, NCB has also ceased all collection activities by mail and email regarding the account and will continue to honor your request.”
NCB respectfully disagrees with the allegations in your complaint. NCB never had on file for you, the address referenced in your complaint, nor did we send your debt validation documents to said address. As evidenced by the attachment you provided in this complaint, the debt validation documents arrived at the correct address of: **** ** ***** *** Apt ***, Miramar, FL *****. Should you have any further concerns, we request you contact NCB directly at ###-###-####.
Sincerely,
Clement N*********
Chief Compliance Officer
NCB Management Services, Inc.
************Initial Complaint
Date:11/21/2022
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 ***************sending this comnplaint on my Behalf. i'm depressed &suicidal after dealing with unauthorized use of my personal info. Consequently, my credit recordS contain unauthorized item. They have not responded to the letters since I sent themover 30 days ago and they neglected to get Back with sufficient validation. This account violates the FDCPA law and must be removed 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: 12/06/2022
December 6,2022
*********************************
**** **************
Huntsville, AL *****
RE: Complaint Number ********
Dear *********************************,
Thank you for submitting your concerns; NCB Management Services, Inc. (NCB) takes concerns like yours very seriously.
NCB purchased the referenced account from ********* ******** ******** dba **************** (********) on August 27, 2020. This account was an auto loan, originating with ******** on September 14,2015, for the purchase of a 2008 ***** *******. The loan agreement listed you as co-buyer while another individual was listed as buyer. As a result of ******** selling the account to NCB, they assigned their rights regarding the account to NCB. As discussed in our August 27, 2020 letter containing the required notifications and disclosures, 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 (CRAs) by verifying the information we reported accurately reflects the information provided by your original creditor.
This correspondence is the first direct request for debt validation documents received by NCB. To date, NCB has no record of receiving the letter requesting debt validation you have attached to your complaint. In a separate mailing, NCB will send you debt validation documents to ************************, Huntsville, AL ********. These documents 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 ********.
In response to your reference to this account as fake, fraudulent & inaccurate we have forwarded to you a fraud packet to the same address as above, requesting it be completed and returned with copies of any additional supporting documents to assist in our investigating of your fraud claim.
Except for the documents referenced above, we have ceased all attempts at contacting you and will continue to honor your request. Should you have any further questions, please contact NCB at ************.
Sincerely,
Clement N********
Chief Compliance Officer
NCB Management Services, Inc.
************Initial Complaint
Date:11/21/2022
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 paid them in full for an auto loan. They told me they would give me my title but they never did. It's been over 90 days and they told me to go try to file a lost title. But they told me when I paid them the money they would send the title to me. Something isn't rightBusiness Response
Date: 12/05/2022
December 5,2022
*************************
*** *****************
Canton, OH *****
RE: Complaint Number ********
Dear *************************,
Thank you for giving NCB Management Services, Inc. (NCB) the opportunity to respond to your concerns. We received your request for the title release on the referenced account. We have initiated an investigation but need more time to gather information and complete this request. We are doing everything we can to expedite this process for you. We will report back to you when our investigation and the proper resolution has been completed. In the meantime, should you have any further questions, please contact NCB at ************.
Sincerely,
Clement N***********
Chief Compliance Officer
NCB Management Services, Inc.
************Initial Complaint
Date:11/20/2022
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 has Violated the FDCPA 809 by reporting an alleged debt to my ******** credit report before I received any written notification regarding this debt. I never had an opportunity to dispute this debt nor does this debt belong to me, but yet it currently is reporting on my ******** credit report.Business Response
Date: 12/05/2022
December 5, 2022
*********************
***** ********************************
Scott, AR *****
RE: Complaint Number ********
Dear *********************,
NCB Management Services, Inc. (NCB) appreciates the opportunity to respond to your concerns. We understand that you may not have recognized this account. This account was an internet loan originating with ************* and ************* (*************) on January 27, 2020. 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 on September 22, 2022. ************* 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.
This correspondence is the first notice we have received that you dispute this account. We have investigated your dispute and verified that the information we reported accurately reflects the information in the records provided to us by the original creditor, *************. A review of our records finds that on September 26, 2022, NCB emailed you a letter to ********************* 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 November 19, 2022.
In a separate mailing, NCB will mail you documents sufficient to verify that the debt is owed to the address on your complaint, namely, ***** ********************, Scott, AR *****. This will include a copy of the online application, terms and conditions of the account, 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 FDCPA or the FCRA. NCB had a permissible purpose to credit report your debt, the information we reported was accurate, and we met our obligation to investigate and respond to your disputes as required. 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,
Clement N**********
Chief Compliance Officer
NCB Management Services, Inc.
************Initial Complaint
Date:11/19/2022
Type:Status:AnsweredMore info
Complaint statuses
- Resolved:
- The complainant verified the issue was resolved to their satisfaction.
- Unresolved:
- The business responded to the dispute but failed to make a good faith effort to resolve it.
- Answered:
- The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
- Unanswered:
- The business failed to respond to the dispute.
- Unpursuable:
- BBB is unable to locate the business.
I am 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.Business Response
Date: 12/05/2022
December 5,2022
*********************
*** *************************
Nashville, TN *****
RE: Complaint Number ********Dear *********************,
Thank you for the opportunity to respond to your concerns. NCB Management Services, Inc. (NCB) purchased your account from *************** & ***** **.(**** *****) on July 26, 2022. This account was an internet loan originating with **** ***** on May 10, 2021. Although you did not originally enter into a contract with NCB,the remaining balance is due to NCB as a result of **** ***** selling your account to NCB and assigning their rights to NCB. A review of our records indicates that on July 28, 2022,our initial letter containing the required notifications and disclosures was mailed to you.
NCB investigated and verified account information in November 2022 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, 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 **** *****. NCB updated our reporting to the credit reporting agencies regarding this account to reflect the status of your dispute. NCB is eager to work with you as we have 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.
************Initial Complaint
Date:11/19/2022
Type:Status:AnsweredMore info
Complaint statuses
- Resolved:
- The complainant verified the issue was resolved to their satisfaction.
- Unresolved:
- The business responded to the dispute but failed to make a good faith effort to resolve it.
- Answered:
- The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
- Unanswered:
- The business failed to respond to the dispute.
- Unpursuable:
- BBB is unable to locate the business.
I am not liable for this debt with *********** OF ********* LLC D and do not have a contract with NCB MANAGEMENT SERVICES. They do not provide me with the original application like I asked.Business Response
Date: 12/05/2022
December 5,2022
*********************
*** *************************
Nashville, TN *****
RE: Complaint Number ********
Dear *********************,
NCB Management Services, Inc. (NCB) appreciates the opportunity to respond to your concerns. We believe your complaint is misdirected.
We have completed a review of this dispute. Your first request for debt validation for the referenced account was received by NCB on December 15, 2020. In response at the time, NCB sent all required debt validation documents on January 15, 2021. Our investigation finds there is no debt to validate. The account was resolved with a settlement on May 20, 2021 and NCB updated its reporting of the account with the credit reporting agencies as settled in full with a zero balance on May 25, 2021.
Although we believe we have reported this account accurately, NCB has requested its trade line 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,
Clement N**********
Chief Compliance Officer
NCB Management Services, Inc.
************Initial Complaint
Date:11/16/2022
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 ************* trust and do not have a contract with NCB Management Service. They did not provide me with the orignial application when request. I have filed identity theft report with FTC and they are still reporting to credit card agencies. THey are still reporting negatively on my credit report and need to follow the law and remove this account from my credit reportBusiness Response
Date: 12/02/2022
November 29,2022
*****************************
***** **************
Riverside, CA *****
RE: Complaint Number ********
Dear *****************************,
We would like to thank you for submitting your concerns. NCB Management Services, Inc. purchased the referenced account on February 24, 2018, from ************* & ********* as stated in our letter of February 27, 1018. This was also known as the Elastic loan. NCB investigated and responded to multiple indirect tradeline disputes since 2019. We have also mailed debt validation documents in May and August 2019, in response to debt validation request letters received in our office. These documents included the application, the credit agreement and terms and conditions, a financial transaction history of the account and a copy of the bill of sale agreement between NCB and *************. This complaint is the first fraud claim you have communicated directly to NCB. To assist us in the investigation of your dispute and 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, including a copy of the FTC identity theft report you stated was filed. In addition, we have updated our tradeline concerning this account to reflect a dispute. Should you have any further questions, please contact NCB at ************.
Sincerely,
Clement N**********
Chief Compliance Officer
NCB Management Services, Inc.
************Initial Complaint
Date:11/15/2022
Type:Status:AnsweredMore info
Complaint statuses
- Resolved:
- The complainant verified the issue was resolved to their satisfaction.
- Unresolved:
- The business responded to the dispute but failed to make a good faith effort to resolve it.
- Answered:
- The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
- Unanswered:
- The business failed to respond to the dispute.
- Unpursuable:
- BBB is unable to locate the business.
Business is harassing me at work, on weekends, late at night, and calling family members. Very unprofessional. I filed a dispute with this company as well on my credit report because the amount of money they are calling me for is inaccurate. Would like the company the cease and desist and please stop calling me on my cell, at my place of work, and all of my family members.Business Response
Date: 12/02/2022
November 29,2022
***************************
**** *****************
Rockville, MD *****
RE: Complaint Number ********
Dear ***************************,
NCB Management Services, Inc. (NCB) appreciates the opportunity to respond to your concerns. We believe your complaint is misdirected. The debt referenced in your complaint/attachments is not the debt NCB is attempting to collect. This account was an internet loan originating with *************** & ********* (***************) on July 15, 2021. NCB purchased the referenced account on July 26, 2022 from ***************. As a result of the sale, *************** gave NCB information needed to verify the debt is valid and owed and assigned to NCB all of its rights related to the debt, including the right to collect and credit report the debt as permitted by law. On July 28, 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 September, October and November 2022, in response to indirect tradeline disputes you made with the credit reporting agencies. This correspondence is the first direct dispute received by NCB. Although we believe the complaint is misdirected, we conducted another investigation by reviewing the information you provided as well as information and documents provided to us by the original creditor and information from our own system regarding the current status of your account. The documents did not substantiate the allegations of your dispute. NCB will direct the credit reporting agencies to update the status of your dispute.
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. 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 1099, Langhorne, PA 19047.
Sincerely,
***************************
Chief Compliance Officer
NCB Management Services, Inc.
************Customer Answer
Date: 12/12/2022
[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 have never done business with **** ***** bank.
Regards,
***************************
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