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
- 686 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: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 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 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: 11/09/2022
November 8,2022
***** ****** ***
*** ************************
Jackson, MI *****
RE: Complaint Number ********
Dear ***** ****** ***,
Thank you for submitting your concerns and providing an opportunity to respond. NCB Management Services, Inc. (NCB) purchased your account from *********** of Alabama, LLC D/B/A **** (****) on March 23,2018. This account was an internet loan originating on December 21, 2016. You entered into an agreement with the original creditor, ****. That agreement made you responsible for paying this debt and gave **** the right to collect it from you. When you failed to pay, **** sold the debt and transferred its right to collect to NCB. **** 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 to you on March 26, 2018.
NCB has investigated and verified account information in August and September 2022 in response to indirect tradeline disputes you have made with the credit reporting agencies (CRAs). NCB received your first direct request for debt validation documents on September 15, 2022. NCB mailed you those documents on September 23,2022, to *******************************, Jackson, MI *****. We included a copy of the application, the 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 are required to provide sufficient information for you to verify that the debt is owed and we have met that obligation. Nonetheless, NCB will send another copy of the debt validation documents to the address above, which is also on this complaint.
IIn response to your current complaint, NCB conducted another investigation by reviewing information and documents provided to us by the original creditor, the information you provided as well as information from our own system regarding the current status of your account. The documents did not substantiate the allegations of your complaint concerning this account. 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. We have directed the credit bureaus to update the report to indicate the status of your dispute.
We spoke to you on April 25,2018 and January 12, 2022, regarding settlements for resolving your account. Were eager to continue the conversation and work with you to assist in finding the best possible resolution. Should you have any further concerns, please contact us 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.
There continues to be a violation of the FDCPA against myself with NCB Management Service who has apparently sold a fraud-related debt to ****** ****** whom has sent notification dated 10-5-2022 listing NCB Managment Service as the current creditor which is false or misleading representations section 807. NCB Management Service has never served or provided any credit to me, nor have I ever applied or requested any credit from NCB Management Service. NCB Managment Service Continues to report this fraud-related debt to my credit file knowingly this debt has been sold which violates both the FCRA and FDCPA.Business Response
Date: 11/09/2022
November 8,2022
******* ********
***** **** **** ***
Little Rock, AR *****
RE: Complaint Number ********
Dear *******************************,
Thank you for the opportunity to respond to your concerns. We understand you may not have recognized this account. NCB Management Services, Inc. (NCB) purchased your account from ********* ******** *** dba ******** ******* (********) on August 27, 2020. This account was an auto loan, originating with ******** on July 11, 2015 for the purchase of a 2015 **** ******* with you listed as buyer and another individual listed as your co-buyer.
The loan agreement made you responsible for paying this debt and gave ******** 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. ******** 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 October 5, 2020.
NCB investigated and verified account information in 2021 and 2022 in response to multiple indirect tradeline dispute you made with a credit reporting agency. This correspondence is the first direct dispute you have submitted to NCB regarding this account. Although we believe this dispute to be duplicative. we contacted another investigation of your dispute by reviewing information and documents provided to us by your original creditor, ********, the information you provided in your recent dispute as well as information from our own system regarding the current 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 FCRA and ***** * credit reporting standards. Additionally on October 28, 2022, NCB mailed you documents sufficient to verify that the debt is owed . The documents were mailed to ***** **** **** ****** Little Rock, Arkansas *****. Those documents included 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 sum, NCB did not violate the FCRA. NCB had a permissible purpose to credit report this account, the information we reported was accurate and we met our obligation to investigate and respond to your disputes as required by law. NCB’s goal is to work with consumers to resolve any differences that may exist. In keeping with this goal, NCB has in place a number of options available to assist in resolving this account. Please contact us and one of our representatives will be happy to walk you through these options. NCB has 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 833-225-5303.
Sincerely,
Clement N*****
Chief Compliance Officer
NCB Management Services, Inc.
************Initial Complaint
Date:10/25/2022
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.
As a federally protected Consumer, the consumer comes now to dispute any alleged claims you currently are reporting as a consumer debt on the consumer's credit report. The Consumer is requesting validation from you pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 (8) (FDCPA). FURTHERMORE, the above consumer DEMANDS the following below: • PROOF OF PURCHASE AND DISCOUNTED COST OF THE DEBT IS REQUESTED! • Provide a copy of the consumer's signature on a contract or document that holds the consumer responsible for this alleged debt. • Send CONSUMER proof that you are licensed to collect debt in my state.Business Response
Date: 11/10/2022
November 8,2022
***************************
**** * ***** ***** *** Unit **
Chicago, IL *****
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 18, 2013, for the purchase of a 2012 ****** ******. 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 multiple times from August 2020 - October 2022 in response to indirect tradeline disputes you made with the credit reporting agencies. In response to this current dispute, we completed 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 concerning 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 *********, to the address on your complaint, **** * ***** ***** *** Unit **, Chicago, IL *****.
NCB maintains all appropriate licenses, registrations, and bonds required to conduct business throughout the United States. For more information, visit our website at ******************************* or the **** Consumer Access website at ***********************************. Please note that these websites do not provide a complete listing of all licenses held by NCB. The law requires us to provide sufficient information for you to verify that the debt is owed and we have met that obligation.
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. We have directed the credit bureaus to update the report to indicate the status of your dispute. We are eager to work with you and have many options available to assist in finding the best possible resolution. Should you have any further concerns, please contact NCB at ************.
Sincerely,
Clement N********
Chief Compliance Officer
NCB Management Services, Inc.
************Initial Complaint
Date:10/24/2022
Type:Status:AnsweredMore info
Complaint statuses
- Resolved:
- The complainant verified the issue was resolved to their satisfaction.
- Unresolved:
- The business responded to the dispute but failed to make a good faith effort to resolve it.
- Answered:
- The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
- Unanswered:
- The business failed to respond to the dispute.
- Unpursuable:
- BBB is unable to locate the business.
They keep calling and harassing me on the phone. I do not owe them a debt. They cannot even prove I owe them anything. They are on my credit report. I want them removed from my credit report. Its illegal for them to do this.Business Response
Date: 11/09/2022
November 8,2022
*************************************
**** *********************** **
Collierville, TN *****
RE: Complaint Number ********
Dear *************************************,
Thank you for the opportunity to respond to your concerns. NCB Management Services, Inc. (NCB) purchased two accounts from two separate creditors. The first was account from ************* & ********* (*************), purchased on June 23, 2022. The second was an account from *********************** purchased on August 26, 2022. You may also recognize this second account as your Rise account.
A review of our records indicates that on June 27, 2022 and August 30, 2022, respectively, our initial letters containing the required notifications and disclosures were mailed to you. These accounts were internet loans, with ************* originating on July 1, 2021, and ********************** originating on November 11, 2021. You did not ink-sign agreements to open these accounts. You applied online and electronically agreed to the terms and conditions for using the accounts. Although you did not originally enter into contracts with NCB, the remaining balances are due to NCB as a result of ************* and ********************** selling your account to NCB and assigning their rights to NCB.
NCB investigated and verified account information in October 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 separate mailings, NCB will provide debt validation documents for both accounts 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 ************* & ********* and NCB and **********************. Additionally, we completed another investigation by reviewing the information you provided, as well as information and documents provided to us by the original creditors and information from our own system regarding the current status of your accounts. The documents did not substantiate the allegations of your dispute concerning this account. Our records also indicate that the number of call and contact attempts made on both accounts have been reasonable, at times permitted under applicable law, and are in accordance with NCB policy.
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. This is the first request we have received from you to cease collection efforts. Since receiving this request, NCB has ceased collection attempts and will continue to honor your request.
We are eager to work with you and have many options available to assist in finding the best possible resolutions. NCB updated our reporting to the credit reporting agencies regarding these accounts 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.
************, ext. ****Initial Complaint
Date:10/24/2022
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 viewed a printout of my credit record and found some errors. I believe that these items are damaging my credit file and costing me too much time and money every year. These disputed accounts were claimed to have been accurate or verified. DISPUTE REASON: "CONTRACTS WERE CANCELLED" "NO CONTRACT EXIST" These accounts are still inaccurate and need to be corrected or deleted as soon as possible; Here are the things that I want to be verified as accurate: Alleged Creditor: NCB MANAGEMENT SERVICE Alleged Original Creditor: **** ****** ** ******* *** * Debt Collector’s Account Number: ****** Alleged Debt Amount or Balance: $1,653 Cc: ******** ********* ********** ****** P.O. BOX **** IOWA CITY, IOWA ***** Cc: FEDERAL TRADE COMMISSION 600 PENNSYLVANIA AVE NW WASHINGTON, DC 20580 ACT:******This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. I am maintaining a careful record of my communications with you for the purpose of filing acomplaint with the FTC should you continue in your non-compliance. I further remind you that, as in ****** ** ****************** No. ******* (C.D.Cal. Nov. 14,1995), you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 100% accurate credit information. they report it as " ncb", " ncb management servi" "ncb management service" same account and cost . i be contacted the consumer financial protection bureau on this matter as no debt or anything should be reported or on fico score as they dont buy said debt bc there no account for what they talking about . plus they call a buiness and mail a buiness which legal cant under texas . plus texas law is 3 years so they cant keep reporting anyways .Business Response
Date: 11/07/2022
November 7,2022
*********************
**** PO Box
Anna, TX *****
RE:Complaint Number ********
Dear *********************,
NCB Management Services, Inc. (NCB) appreciates the opportunity to respond to your concerns. NCB purchased the referenced account on October 27, 2016. This account was an internet loan originating with ***************************** LLC ***************** on July 5, 2016. You may also recognize this account as your *********** ******* of ***** account. You did not ink-sign an agreement to open this account. You applied online and electronically agreed to the terms and conditions for using the account. That agreement made you responsible for paying this debt and gave *************** the right to collect it and credit report the debt as permitted by law.
When you failed to pay, the debt was sold to NCB and ***************s rights to collect and credit report the debt were transferred to NCB. *************** 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 and credit report it as permitted by law. NCB is your current creditor to whom this debt is owed as stated in our initial letter dated October 31, 2016, which contained the required disclosures about your rights, including notice about the expiration of the statute of limitations.
NCB investigated your dispute claim by reviewing the information your 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 regarding this account was accurate, complete, and reported in compliance with the **** and Metro 2 credit reporting standards. We cannot give you legal advice about how to apply the law (statute of limitations) to the facts (dates included in the documents we provided). Our records also indicate that NCB ceased all communication by phone, email and mail per your request, in April 2018.
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. Because you had 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,
Clement N**********
Chief Compliance Officer
NCB Management Services, Inc.
************Initial Complaint
Date:10/23/2022
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.
A collection agency (NCB Management Service,INC) is attempting to collect a debt from me in the state of North Carolina which they are not licensed in. I need this debt removed from my credit report immediately. The total debt is in the amount of $11,466.00.Business Response
Date: 11/07/2022
November 7,2022
***********************
***** *****************
Charlotte, NC *****
RE:Complaint Number ********
Dear ***********************,
Thank you for submitting your concerns and providing NCB Management Services, Inc. (NCB) an opportunity to respond. The referenced account was an auto loan originating with ****** ******* *** (******) on April 29, 2016, for the purchase of a 2011 *** *******. NCB purchased the account on October 6, 2021, 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. As discussed in our October 11, 2021 letter, NCB is now the current creditor to whom the debt is owed.
NCB maintains all appropriate licenses, registrations, and bonds required to conduct business throughout the United States. For more information, visit our website at ******************************* or the **** Consumer Access website at ***********************************. Please note that these websites do not provide a complete listing of all licenses held by NCB.
On October 26, 2022, NCB mailed you documents sufficient to verify the debt is owed debt including 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 ******. The documents were mailed to the address on this complaint.
We have directed the credit bureaus to update the report to indicate the status of your dispute. We are eager to work with you and have many options available to assist in finding the best possible resolution. Should you have any further concerns, please contact NCB at ************.
Sincerely,
Clement N***********
Chief Compliance Officer
NCB Management Services, Inc.
************Initial Complaint
Date:10/21/2022
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 not liable for this debt with NCB Management Services and do not have a contract with NCB Management Services . They do not provide me with the orginial application like I asked.Business Response
Date: 11/01/2022
November 1,2022
***********************
**** *****************
Saint Louis, MO *****
RE: Complaint Number ********
Dear ***********************,
NCB Management Services, Inc. (NCB) appreciates the opportunity to respond to your concerns. NCB purchased the referenced account on August 25, 2022 from ******************* (**** *****). This account was an online loan originating with **** ***** on May 24, 2021. You did not ink-sign an agreement to open this account. You applied online and electronically agreed to the terms and conditions for using the account. The agreement made you responsible for paying this debt and gave **** ***** the right to collect it and credit report the debt as permitted by law. When you failed to pay, **** ***** sold the debt and transferred its right to collect and credit report to NCB. **** ***** may transfer its rights to NCB without your permission or signature.
As a result of the sale, **** ***** gave NCB information needed to verify the debt is valid and owed. You are still bound by your original agreement to pay this debt. The difference is that NCB now owns the right to collect it from you and credit report it as permitted by law. NCB is your current creditor to whom this debt is owed as stated in our initial letter dated August 26, 2022 containing the required disclosures.
In response to this complaint, we completed an 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 concerning this account.Our investigation confirmed the information we reported to the credit reporting agencies was accurate, complete, and reported in compliance with the FCRA and Metro 2 credit reporting standards. In a separate mailing, NCB will provide you with documents sufficient to verify that the debt is valid including the loan agreement, a financial transaction history of the account and the bill of sale between **** ***** and NCB. The documents will be mailed to the address on this complaint.
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 the number of call attempts to ********** in a single day was excessive or made in a manner that is intended to harass or annoy. Since receiving this request NCB has ceased all attempts at contacting you by phone regarding this account.
In sum, NCB did not violate the FCRA. NCB had a permissible purpose to credit report the account and has met its obligation to investigate and respond to your disputes as required by law. NCB has directed the credit reporting agencies to update the report to indicate 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:10/21/2022
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 have been a victim of identity theft. I discovered it last few weeks ago upon reviewing my credit report. I found accounts that are not mine and unknown addresses that I never resided. I also found unauthorized inquiries there and even iteration of my name such as *******************. I also found this account that I believe not mine:Acct name: NCB (Original Creditor: 14 ****** ******* LLC)acct no. *******date opened 04/01/2021 balance $7,947.00 I am not liable for this debt and I do not have a contract with:Company: NCB MANAGMENT SERVICES Address: ********************************************** Tel No: ************** Police Report and FTC Affidavit are attached with this complaint together with dispute letter sent to the bureaus and the authorization for release of information. I also filed complaints thru CFPB. Please delete this account from my credit report at once. Any questions or concerns I can be reached at ******************************************************************************** and email at ********************@*****.COM.I need a response from the company.Business Response
Date: 11/09/2022
November 8, 2022
********************
**** *************** NE ** Apt ***
Atlanta, GA *****
RE: Complaint Number ********
Dear ********************,
Thank you for submitting your concerns; we take concerns like yours very seriously. NCB Management Services, Inc. (NCB) purchased the referenced account on April 19, 2021, from ****** ******* LLC (******). This account was an auto loan, originating with ****** on December 21, 2018, for the purchase of a 2017 ****** *****. Our initial letter to you stating that we had purchased this account was dated April 20, 2021.
NCB completed a thorough investigation of your fraud claim. The documents you provided, the information provided from your original creditor, and the information we have from our system do not substantiate the allegations of your dispute and fraud claim concerning this account. Should you provide any additional information or documentation NCB will conduct another thorough review. In a separate mailing, NCB will send you debt validation documents which will include a copy of the signed contract, the deficiency notice, a financial transaction history of the account and the bill of sale agreement between NCB and ******. NCB has updated our reporting to credit bureaus to reflect the status of your dispute.
Should you have any further concerns, please contact NCB at ************.
Sincerely,
***************************
Chief Compliance Officer
NCB Management Services, Inc.
************Customer Answer
Date: 12/20/2022
On 10/21/2022 I opened a complaint (no. ********) against the creditor and fraudulent information that was on my credit report. They respond on 11/9/2022 that they were going to send correspondence to me yet I have not received anything from them. No response was sent. In response to this complaint, The original signed contract is required as part of the verification process this is known as media. If you don't have the media then you have failed to provide verification that I own the debt. Ownership is comprised of these factors when debt is sold Chain of Title - Show the transfer of account from and to whom with receipt Media- Shows the original documentation that was signed and is required as part of the validation under disputed debts, there is no gray area once asked. In my particular case the 30 days never happened ( I will circle back to that violation) 1. You must cease collection efforts 2. You must obtain verification from the original lender ( if they have assumed that role then media is required) leaving the original documents and any communication that supports your stance of me owing the debt 3. FCRA line has been crossed which subjects you a litany of issues *In response to THIS CLAIM, You have NOT provided me a copy of ANY ORIGINAL documentation required under Section 609 (a)(1)(A) & Section 611 (a)(1)(A) ( a consumer contract with my signature on it ) and under Section 611 (5)(A) of the FCRA – you are required to “…promptly DELETE all information which cannot be verified.” In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. *Failing that, the item must be deleted from the report as soon as possible. The listed item is entirely inaccurate and incomplete, and as such represents a very serious error in your reporting. Please delete this misleading information.Business Response
Date: 12/28/2022
December 28, 2022
********* *****
**** ******** ****** NE ** Apt ***
Atlanta, GA
*****
RE: Complaint Number ********
Dear ********* *****,
NCB Management Services, Inc. (NCB)
appreciates the opportunity to respond to your concerns. NCB purchased the
referenced account on April 19, 2021, from ****** ******* *** (******). This account was an auto loan, originating
with ****** on December 21, 2018, for the purchase of a 2017 ****** *****. Our initial letter to you stating that we had
purchased this account was dated April 20, 2021.
NCB respectfully disagrees with the
allegations in your complaint. As stated in our previous response, NCB mailed debt
validation documents on November 9, 2022, to the same address listed on your
complaint. We provided a copy of the original signed contract along with the
deficiency notice, a financial transaction history of the account and the bill
of sale agreement between NCB and ******.
We are required to provide sufficient
information to verify that the debt is valid and owed and we have met that
obligation. As such, we believe NCB complied with its legal obligations
concerning debt validation regarding this account. While we believe it to be
duplicative, NCB will mail another copy of the documents to the same address
you provided.
NCB completed a thorough
investigation of your fraud claim on November 7, 2022. The documents you provided, the information provided from
your original creditor, and the information we have from our system do not
substantiate the allegations of your dispute and fraud claim concerning this
account. The information and
documentation provided to NCB in your current complaint is identical to
that which was provided in your original complaint. Should you provide any new
information or documentation not previously provided, NCB will conduct another
thorough review.
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.
Additionally, upon receipt of this complaint and aside from the above requested
documents, NCB has ceased all collection efforts by phone, email and mail and
will continue to honor your cease request. NCB will direct the credit reporting
agencies to update the report to indicate you disagree with the results of our
dispute investigations. Should you have any further concerns,
please contact NCB at ###-###-####.
Sincerely,Clement N*****
Chief Compliance Officer
NCB Management Services, Inc.
###-###-####Initial Complaint
Date:10/20/2022
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.
Received a notice that I owed a car that was returned to the dealership 8 months after I purchased the vehicle The car I test drove was not the car, they Sold me!! Date of purchased: 07/29/2017 returned back to dealership 03/2018 Due to the low car mileage and excellent condition of the 2017 ******, the dealership manager said he would sell the car I won't owe any balance from the loan. Four years later I got a bill from NCB Collection Agency demanding $12,280.52 for the balance of the loan. This is fraud. The dealership sold the car and kept the money, not reporting it to the finance company. Please help me to resolve this matter. I'm suffering with health and mental issues due to catching and trying to recover from Covid and the stress from NCB is going to kill me. I called ****** and they said the contract was sold to NCB in June 2022 for $10, 268 unaware of the Dealership agreement with me. They suggested I file a complaint to get this resolved.Business Response
Date: 11/09/2022
November 9, 2022
***********************
**** ********
Aurora, CO *****
RE: Complaint Number ********
Dear ***********************,
Thank you for submitting your concerns and providing an opportunity to respond.
We would like to thank you for submitting your concerns. NCB Management Services,Inc. purchased the referenced account on July 1, 2022 from ***************************** as stated in our notice of July 8, 2022. This is the first communication we have received directly from you concerning a fraud claim. We have been in contact with the seller of the account and shared the information you provided. A thorough review will be conducted in order to correctly resolve the matter. Should you have any further concerns, please contact us at ************.
Sincerely,
Clement N************
Chief Compliance Officer
NCB Management Services, Inc.
************Initial Complaint
Date:10/19/2022
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 a consumer by law and my information was misused and now I have some false not 100% accurate accounts on my credit report. Unauthorized used of my credit report. I demand deletion of the items and information plus I demand monetary compensation!!!Business Response
Date: 11/10/2022
November 10,2022
***********************
*** *********
Mulberry, FL *****
RE: Complaint Number ********
Dear ***********************,
Thank you for submitting your concerns and providing an opportunity to respond. NCB Management Services, Inc. (NCB) purchased the referenced account on August 27, 2020 from ********* Consumer ******** (*********). This account was an auto loan, originating with ********* on August 14, 2018, for the purchase of a 2015 ******* ******. You entered into an agreement with the original creditor, *********. That agreement made you responsible for paying this debt and gave ********* the right to collect it from you.
When you failed to pay, ********* sold the debt and transferred its right to collect to NCB. ********* 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 August 31, 2020.
NCB investigated and verified account information in August 2021, February 2022 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. In response to this dispute, we completed 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.
Our investigation confirmed the information we reported to the credit reporting agencies (CRAs) was accurate, complete, and reported in compliance with the FCRA and ***** * credit reporting standards. 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 is your current creditor, NCB had a permissible purpose to credit report your debt, the information we reported was accurate, and we met our obligation to investigate and respond to your dispute as required by law. NCB updated our reporting to the 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.
************, ext. ****
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