Business Profile
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NCB Management Services, Inc.Headquarters
Important information
- Customer Complaint:Please be advised that due to the high volume of complaints received for this business, BBB publishes 1 out of every 10 complaints handled through our conciliation process.
Complaints
This profile includes complaints for NCB Management Services, Inc.'s headquarters and its corporate-owned locations. To view all corporate locations, see
Customer Complaints Summary
- 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:11/14/2022
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’m not liable for this debt. This doesn’t belong to me . My information might be stolen. I demand this account to be removed from my credit report.
Business Response
Date: 11/28/2022
November 28,2022
*********** *****
**** *********
Las Vegas, NV *****
RE: Complaint Number ********
Dear *********** *****,
Thank you for the opportunity to respond to your concerns. NCB Management Services, Inc.(NCB) purchased the referenced account on March 31, 2022from ******* **** (*******) as stated in our letter dated April 4, 2022. 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. In addition, we have mailed you debt validation documents including the application, terms and conditions of the loan, a financial transaction history of the account, and a copy of the bill of sale agreement between NCB and *******. 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:11/09/2022
Type:Status:AnsweredMore info
Complaint statuses
- Resolved:
- The complainant verified the issue was resolved to their satisfaction.
- Unresolved:
- The business responded to the dispute but failed to make a good faith effort to resolve it.
- Answered:
- The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
- Unanswered:
- The business failed to respond to the dispute.
- Unpursuable:
- BBB is unable to locate the business.
In accordance with the Fair Credit Reporting act >account name: NCB Management Services and account number: ******<, has violated my rights. I am sending this comnplaint on my behalf. i'm depressed &suicidal after dealing with unauthorized use of my personal info. Consequently, my credit record contains unauthorized item. They have not respond to the letters since I sent themover 30 days ago and they neglect to get back with me with sufficient validation. This account violates the FDCPA 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: 11/28/2022
November 28,2022
*********************************
**** *** ***
Opelousas, LA *****
RE: Complaint Number ********
Dear *********************************,
Thank you for giving NCB Management Services, Inc. (NCB) the opportunity to respond to your concerns. NCB believes your compliant is misdirected and respectfully disagrees with the allegations in your complaint. This account was an internet loan originating with ************* & ***** (*************) on January 31, 2018. On October 22, 2019, ************* sold the debt to NCB including the right to collect and credit report the debt as permitted by law.
A review of our records finds on October 25, 2019, you spoke with our agent and came up with an arrangement to pay the balance in full. You agreed to biweekly payments from October 30, 2019,through February 5, 2020. After you paid in full as agreed, NCB notified the credit bureaus by reporting the account status as paid in full with a $0.00 balance and ceased all attempts at contacting you regarding this account.
Since then, NCB received several dispute letters from you on September 4, 2020, October 27, 2020, December 30,2020 and June 14, 2022. NCB investigated and responded to all disputes within 30 days of receipt advising your last payment was received on February 5, 2020,and the account is now paid in full. Our responses were sent to the address on your letters, namely, *********************** Apt ***, Lafayette, LA *********. The response to your June letter was sent to the current address on your complaint, **** *************Opelousas, LA *******.
Our records indicate that a trade line deletion was not part of the arrangement you made to pay this account in full. It is our goal to work with consumers and resolve whatever differences may be involved. While we respectfully disagree with the assertion that we are reporting inaccurately, 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:11/08/2022
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 would like for these corrections to be made on my credit reportBusiness Response
Date: 11/22/2022
November 22,2022
************************
*** *******************
Uniondale, NY *****
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 November 6, 2014,for the purchase of a 2011 ******** * ************ NCB Management Services, Inc. (NCB) purchased the account on February 27, 2020, from *********. As a result of ********* selling the account to NCB, they assigned their rights regarding this account to NCB. As discussed in our March 2, 2020 letter, NCB is now the current creditor to whom the debt is owed.
NCB investigated and verified account information in March and October 2022, in response to indirect tradeline disputes you made with the credit reporting agencies. This correspondence is the first direct dispute received by NCB. Upon review, we found this direct dispute does not make mention of NCB. We also did not find copies of your police report, FTC Identity Theft Report, drivers license, social security card or utility bill as stated in your complaint. Nonetheless, NCB conducted an investigation by reviewing the 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 and identity theft claim concerning this account.
Additionally, 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. Should you provide any additional information or documentation, NCB will conduct another thorough review. On November 14, 2022,NCB mailed debt validation documents to the address on this complaint, namely, *** ******** **, Uniondale, NY *****. 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 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:11/07/2022
Type:Status:ResolvedMore info
Complaint statuses
- Resolved:
- The complainant verified the issue was resolved to their satisfaction.
- Unresolved:
- The business responded to the dispute but failed to make a good faith effort to resolve it.
- Answered:
- The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
- Unanswered:
- The business failed to respond to the dispute.
- Unpursuable:
- BBB is unable to locate the business.
This company is reporting a collection account on my credit report, despite me never having any business or contact with them. After disputing this with the credit bureaus, I have just received a notiifcation that the account is now being reported as closed with a zero balance, but this account needs to be DELETED from my credit reports completely and immediately.Business Response
Date: 11/21/2022
November 21,2022
*******************
**** *************
Little Elm, TX *****
RE: Complaint Number ********
Dear *******************,
NCB Management Services, Inc. (NCB)appreciates the opportunity to respond to your concerns. We have completed a review of the matter. The account in question is an internet loan originating with *********************** on April 6, 2020. NCB purchased the account from ********************** on June 9, 2022. As a result of ********************** selling the account to NCB, they assigned their rights regarding the account to NCB.
On September 13, 2022, NCB received your power of attorney (POA) from ******** **** ****** (***), requesting to negotiate a settlement on your behalf. NCB and *** reached an agreement to settle the account for less than the full amount owed, with the full settlement payment paid on September 26, 2022. After the account was settled as agreed, NCB updated the credit report tradeline to reflect the status as settled with a zero balance as of November 2, 2022.
Our records indicate that a trade line deletion was not part of the arrangement you made to settle this account. It is our goal to work with consumers and resolve whatever differences may be involved. While NCB respectfully disagrees with the assertion that we are reporting inaccurately, on November 9,2022, we submitted a request to delete this tradeline. 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.
************Customer Answer
Date: 11/30/2022
[A default letter is provided here which indicates your acceptance of the business's response. If you wish, you may update it before sending it.]
Better Business Bureau:
I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me.
Regards,
*******************Initial Complaint
Date:11/07/2022
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.
Please remove these inaccurate accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. NCB MANAGMENT SERVICES ******* $5,781.00Business Response
Date: 11/21/2022
November 21,2022
*************************
**** ***************
San Antonio TX *****
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 2, 2018, for the purchase of a 2011 **** *******. NCB Management Services, Inc. (NCB) purchased the account on September 26, 2018 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 account as permitted by law. As discussed in our April 19, 2021 letter, NCB is now the current creditor to whom the debt is owed.
NCB investigated and verified account information in December 2021 and September and October 2022, in response to indirect tradeline disputes you made with the credit reporting agencies. In response to this complaint, NCB completed an investigation of your dispute and fraud claim. 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. Our investigation confirmed the information we reported to the CRAs was accurate, complete, and reported in compliance with the FCRA and ***** * credit reporting standards.
This correspondence is the first direct request for debt validation documents received by NCB. On November 16, 2022, NCB mailed debt validation documents which included a copy of the signed contract, notice of intent to sell the vehicle, 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,
Clement N*********
Chief Compliance Officer
NCB Management Services, Inc.
************Initial Complaint
Date:11/05/2022
Type:Status:AnsweredMore info
Complaint statuses
- Resolved:
- The complainant verified the issue was resolved to their satisfaction.
- Unresolved:
- The business responded to the dispute but failed to make a good faith effort to resolve it.
- Answered:
- The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
- Unanswered:
- The business failed to respond to the dispute.
- Unpursuable:
- BBB is unable to locate the business.
I am not liable for this debt with NCB management services and do not have a contract with NCB management services. They did not provide me with original application like I askedBusiness Response
Date: 11/21/2022
November 21,2022
*************************************
*** ********
Dalton, 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 July 25, 2019, for the purchase of a 2018 **** ******. 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 investigated and verified account information in June and July 2021, and September and October 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. On November 17, 2022,NCB mailed debt validation documents which 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 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:11/02/2022
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.
Upon seeing my credit report, it pays my attention that the following accounts are inaccurate and fraudulent. I am a consumer by law. I am not happy about it what I saw. This hurt my credentials as a consumer. Here are the listed details of the account with discrepancies:Account Name NCB Balance $4,372.00 Account Number *****************Business Response
Date: 11/15/2022
November 15,2022
*********************************
*** *************************
Cedar Hill, TX *****
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 ********* ******** ******* (*********) as stated in our letter of August 31, 2020. This complaint is the first fraud claim you have communicated directly to NCB. We have forwarded to you a fraud packet requesting it be completed and returned with copies of any additional supporting documents to assist in our investigating of your fraud dispute. In a separate mailing, NCB will provide debt validation documents including 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 Santander. We have updated our tradeline concerning this account to reflect a dispute. Should you have any further concerns, please contact NCB at ************.
Sincerely,
Clement N***********
Chief Compliance Officer
NCB Management Services, Inc.
************
Initial Complaint
Date:10/31/2022
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've been trying to resolve this issue regarding a clear violation of the FDCPA and FCRA involving an account that was never mined neither did I receive and goods, services, or money from NCB MANAGEMENT. NCB MANAGEMENT has been notified several times via mail explaining that this Fraudulent account doesn't belong to me but continues to report which is considered willful noncompliance and which may result in damages considering I have been denied credit due to the inaccuracy of the reporting. NCB MANAGEMENT fails to adhere to the FDCPA and must be held accountable for misrepresentation and erroneous credit reporting.Business Response
Date: 11/14/2022
November 14,2022
*******************
*** ***********
Alexander, AR *****
RE:Complaint Number ********
Dear *******************,
NCB Management Services, Inc. (NCB) appreciates the opportunity to respond to your concerns.
NCB purchased the referenced account on January 22, 2021, from*********** **** * ********* as stated in our letter of January 26,2021. 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. In addition, we have updated our tradeline concerning this account to reflect a dispute. Should you have any further concerns, please contact NCB at ************.
Sincerely,
Clement N************
Chief Compliance Officer
NCB Management Services, Inc.
************Initial Complaint
Date:10/28/2022
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.
I would like for these corrections to be made on my credit reportBusiness Response
Date: 11/15/2022
November 15,2022
*****************************************
***** ********
Detroit, MI *****
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 November 10, 2017, for the purchase of a 2014 ***** Truck *******. NCB Management Services, Inc. (NCB) purchased the account on August 27, 2020, from *********. As a result of Santander 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 October and November 2020, as well as August- November 2022, in response to indirect tradeline disputes you made with the credit reporting agencies. In response to this complaint, NCB completed a thorough investigation of your dispute and fraud claim. 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 to resolve the matter. NCB has updated our reporting to credit bureaus to reflect the status of your dispute. 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 Santander.
Should you have any further questions, please contact NCB at ************.
Sincerely,
Clement N***********
Chief Compliance Officer
NCB Management Services, Inc.
************Initial Complaint
Date:10/26/2022
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 and do not have a contract with NCB Management. 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 Practice Act 15 U.S.C 1692 NCB #****** 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 a 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 a place known or which should be known to be inconvenient to the Consumer.Business Response
Date: 11/10/2022
November 8,2022
*******************************
**** ********** Apt ***
Atlanta, GA *****
RE: Complaint Number ********
Dear *******************************,
Thank you for the opportunity to respond to your concerns. NCB Management Services, Inc.(NCB) purchased your account from *********** of Georgia, LLC D/B/A **** (****) on November 18, 2016. A review of our records indicates that on November 23, 2016, our initial letter containing the required notifications and disclosures was mailed to you. This account was an internet loan originating on August 12, 2016. 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.
NCB investigated and verified account information in April and October 2022 in response to indirect tradeline disputes you made with the credit reporting agencies. NCB received your first direct request for debt validation documents on August 23, 2022. NCB mailed those documents the following day to ************************Apt ***, Atlanta, GA *****. We included a copy of the application, terms and conditions, a financial transaction history of the account and a copy of the bill of sale agreement between NCB and ****. In response to your current complaint, we are mailing you another copy of the debt validation documents to the address above, which is also listed as your current address on your complaint. We have also confirmed through our records, per your request in the August 23, 2022 letter, we have ceased all phone communication and will continue to honor that request. NCB updated our reporting to the credit reporting agencies regarding this account to reflect the status 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. Should you have any further concerns, please contact us at ************.
Sincerely,
Clement N*************
Chief Compliance Officer
NCB Management Services, Inc.
************
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