CFPB COMPLAINT DATABASE
393 real consumer complaints filed against NCB Management Services Inc. at the Consumer Financial Protection Bureau in the last 12 months. 0 received relief from the company. Median federal response time: 15 days.
The 30 most recent complaints against NCB Management Services Inc. where the consumer chose to publish their narrative.
I have yet to receive any notifications from NCB Management via mail. I never received the odometer report of resell of the vehicle, the letter of repossession with the date, or balanced owed. They are reporting to the credit bureaus that I own {$10000.00} plus which seems very suspicious. My residents have changed in the last XXXX years.
I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) XXXX, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the nextXX/XX/XXXX days : XXXX. The amount of the debt claimed. XXXX. The name of the original creditor. XXXX. A copy of the agreement, contract, or other instrument that created the debt. XXXX. Verification that you are licensed to collect debts in
I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.
A collection account is appearing on my credit report that has not been properly validated. I exercised my rights under the Fair Debt Collection Practices Act ( FDCPA ) by requesting verification of the alleged debt. The creditor or collection agency has failed to provide any legitimate documentation demonstrating that the debt belongs to me, that the amount is correct, or that they have the legal authority to collect it. Despite this lack of verification, the account continues to be reported on my credit file. This is a violation of the Fair Credit Reporting Act ( FCRA ), which requires that only accurate and verifiable information be reported. Reporting an unvalidated account is both inaccurate and misleading.
Validation of Debt Request - NCB/XXXXT XXXX XXXX XXXX XXXX - XXXX * * * * XXXX I am disputing this account as inaccurate XXXX request full validation, including the original signed agreement XXXX complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant XXXX the Fair Debt Collection Practices Act ( FDCPA ) XXXX, I am entitled XXXX receive verification of the debt you claim I owe. I dispute the validity of this debt XXXX, as such, I am exercising my rights under the FDCPA XXXX seek verification. Please provide the following information within the next XXXX days : XXXX. The amount of the debt claimed. XXXX. The name of the original creditor. XXXX. A copy of the agreement, contract, or other instrument that created the debt. XXXX. XXXX that you are licensed XXXX collect debts in.
I am submitting this complaint regarding NCB Management Services and their reporting of an alleged debt on my credit file. This account is being reported with the same balance as another collection agency, which raises concerns about duplicate reporting and lack of proper ownership verification. I disputed this account, and it was marked as verified, but I have not been provided any documentation to prove that NCB Management Services has the legal right to collect or report this debt. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681i and 1681e ( b ) ), furnishers are required to report accurate information and conduct a reasonable investigation of disputed accounts. NCB Management Services has failed to provide documentation and continues to report inaccurate information. Due to the failure to properly investigate and verify ownership of this debt, I am requesting that this account be deleted from all credit reporting agencies immediately.
Validation of Debt Request - NCB - XXXXXX/XX/XXXX I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) XXXX, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next XX/XX/XXXXdays : XXXX. The amount of the debt claimed. XXXX. The name of the original creditor. XXXX. A copy of the agreement, contract, or other instrument that created the debt. XXXX. Verification that you are licensed to collect debts in
I am formally disputing the validity of the alleged collection and charge-off account being reported under my name. This letter serves as a request for full debt validation pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g ( b ) and the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i. I do not acknowledge this debt as valid. Before any further reporting, collection activity, or communication regarding this account continues, I am requesting that you provide the following : Verification of the debt, including the original signed contract or agreement bearing my signature. The complete payment history and itemized breakdown showing how the alleged balance was calculated. Proof of your legal authority to collect or report this debt, including a copy of any assignment or purchase agreement from the original creditor. The name, address, and contact information of the original creditor for proper verification.
Validation of Debt Request - NCB - XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.
NCB MANAGEMENT SERVICE is falsely reporting on my credit. I have never had any accounts with them. Per my research NCB MANAGEMENT SERVICE is a debt collector. They are falsely reporting on my credit!! Account number is XXXXXXXX XXXX XXXX XXXX XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.
NCB MANAGEMENT SERVICE is falsely reporting on my credit. I have never had any accounts with them. Per my research NCB MANAGEMENT SERVICE is a debt collector. They are falsely reporting on my credit!! Account number is # XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.
NCB is falsely reporting on my credit. I have never had any accounts with them. Per my research NCB is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.
I am filing this complaint because NCB Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX with an Account number : XXXX is reporting a collection account on my credit report without proper authorization or validation. This account should never have been furnished because NCB has failed to provide any signed contract, itemized statement of the debt, or proof of collection authority. Adding this account to my consumer report without proper validation violates 12 CFR 1006.34 ( b ) ( 5 ) and 12 CFR 1006.34 ( c ) ( 4 ) ( i ) under Regulation F, as I was never given a meaningful opportunity to review or dispute the alleged debt. Additionally, reporting this unverifiable collection violates 15 U.S.C. 1681e ( b ), which requires credit reporting agencies to ensure the maximum possible accuracy of all reported information, and 15 U.S.C. 1681b, as there is no permissible purpose to furnish a collection account without valid documentation.…
NCB is falsely reporting on my credit. I have never had any accounts with them. Per my research NCB is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.
I previously disputed this account and requested validation. In response, the company sent a packet of documents ; however, the information provided does not verify that this debt belongs to me. The name they continue to use in their correspondence is incorrect and does not match my legal identity. Despite being notified of this error, they have continued to report and attempt to collect using inaccurate identifying information. The documents provided include a contract and notices that do not clearly demonstrate that I entered into any agreement. There is no proper verification tying this alleged debt to me personally. Providing unrelated or insufficient documentation does not meet the requirements for validation under federal law. Additionally, continuing to report or collect on a debt using incorrect identifying information is a violation of accuracy requirements.…
On XX/XX/year> this company agreed to delete this debt from my credit report, yet it is still shown on my credit report. To Whom It May Concern, I am writing in response to your recent communication regarding the above-referenced account. This letter serves as a second formal request for validation of the alleged debt, as your previous response failed to provide sufficient documentation to verify the validity of this account. You stated that you are the buyer of the debt, not the original creditor. However, your response did n ot include the required documentation to substantiate your claim or prove that I am legally obligated to pay this debt. Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, you are required to provide proper validation of the debt upon request. Additionally, pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, any information furnished to consumer reporting agencies must be accurate and verifiable.…
I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.
Validation of Debt Request - NCB MANAGEMENT SERVI - XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.
Subject : Formal Complaint Violation of FDCPA 15 U.S.C. 1692c I am filing this complaint against the following debt collector for violations of the Fair Debt Collection Practices Act ( FDCPA ). Company Name : [ NCB Management Services ] Account Number : [ XXXX ] I am disputing the alleged debt referenced above. This account is currently being reported on my credit report as a collection account. Under 15 U.S.C. 1692c ( c ) of the Fair Debt Collection Practices Act, once a consumer notifies a debt collector in writing that they refuse to pay a debt or request that the debt collector cease communication, the collector must cease further communication except to : 1. Advise that collection efforts are being terminated 2. Notify the consumer that specific legal remedies may be invoked Despite my dispute of this account, the company continues to report this alleged debt and has failed to provide proper validation.…
XX/XX/XXXX Re : Credit Report Dispute To Whom It May Concern, My name is XXXX XXXX and I am writing to dispute inaccurate and unverifiable information appearing on my credit report. Consumer Information XXXX XXXX XXXX Kit Circle Moncks Corner, SC XXXX Date of Birth : XX/XX/XXXX SSN ( Last XXXX ) : XXXX I am disputing the following account : NCB XXXX XXXX Collection Account Balance : {$10000.00} Opened : XX/XX/XXXX This account appears to be inaccurate, incomplete, and potentially unverifiable. Under the Fair Credit Reporting Act 611 ( 15 U.S.C. 1681i ), I request a reasonable reinvestigation of this account. Under 1681e ( b ), consumer reporting agencies must follow reasonable procedures to assure maximum possible accuracy. Under 623 ( a ) ( 1 ) ( A ), furnishers may not report information they know or have reason to believe is inaccurate.…
NCB MANAGEMENT SERVICE is falsely reporting on my credit. I have never had any accounts with them. Per my research NCB MANAGEMENT SERVICE is a debt collector. They are falsely reporting on my credit!! Account number is # XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.
NCB is falsely reporting on my credit. I have never had any accounts with them. Per my research NCB is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.
NCB MANAGEMENT SERVI- is falsely reporting on my credit. I have never had any accounts with them. Per my research NCB MANAGEMENT SERVI - is a debt collector. They are falsely reporting on my credit!! Account number is xxxxxx XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.
I RECEIVED A NOTICE OF A DEBT FROM AN ACCOUNT I NEVER OPENED, RESULT OF IDENTITY THEFT. I WILL BE CALLING THE CREDITOR TO DISCUSS THIS FRAUDULENT DEBT. THANK YOU XXXX XXXX XXXX XXXX, PA XXXX Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Creditor : NCB Management Services Account Number : XXXX NCB File # : XXXX ACCOUNT INFORMATION Balance : {$2900.00}
I am filing this complaint regarding NCB Management Services and the reporting of an alleged deficiency balance following a vehicle repossession. I requested documentation from NCB Management Services to validate the amount being reported and to identify the original account information related to this alleged debt. I specifically requested information showing the original loan agreement, the date of the contract, the repossession and sale details of the vehicle, and how the remaining balance being reported was calculated. NCB Management Services has not provided the requested documentation. Additionally, the information being reported appears to contain incorrect details regarding the date of the contract. Despite my request for information and dispute of the account, the company continues to report this account to XXXX. Without providing documentation supporting the amount owed and correcting the inaccurate information being reported, the debt can not be properly verified.…
While reviewing my credit reports, I discovered that an account had been opened in my name by NCB Management on XX/XX/year>, with a reported balance of {$19000.00}. I did not apply for, authorize, or benefit from this account, and I do not owe this debt. Upon reviewing my credit reports from all three major consumer reporting agencies, I also noticed that the spelling of my full name is incorrect. The correct spelling of my full name is XXXX XXXX XXXX XXXX. Additionally, the reports list addresses where I have never lived. Concerned about potential identity theft, I checked the XXXX data breach settlement website and confirmed that my personal information had been compromised in the large-scale XXXX breach XXXX I also filed an identity theft report with the Federal Trade Commission ( FTC ). After discovering the fraudulent account, I disputed it and requested documentation from the company showing that I am responsible for the debt.…
The company bought the debt from an original lender. Reporting XXXX different information to XXXX different bureaus. Reporting to XXXX that its is the original creditor but report to another that XXXX is the original creditor. They showing that I open an account with them. I never open account with them XX/XX/year>. Where is the contract I sign with them to pay this debt? What was the monthly payments at the opening of the account? How is the account open with them and I got no agreement or contract? How can you open the account with a sign agreement between both parties? Why was the account open? What good or item or service I got for this account to get open? XXXX and NCB management are not the same company. Because XXXX sold the debt to NCB management and I never had an agreement with this creditor. So how can this company collect money from a service they never provided for me. With bonded context between I and NCB management.
I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.
I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.
I am filing a complaint regarding inaccurate credit reporting by NCB Management Services related to a collection account appearing on my credit report. The account is reported as a debt buyer account with a balance of approximately {$2500.00}. I disputed this account with the credit bureaus because the information being reported is inaccurate and incomplete. Specifically, the credit report shows the Date of First Delinquency as XX/XX/year>, but the account opening date is listed as XX/XX/year>. It is impossible for an account to become delinquent before it is opened. This indicates inaccurate reporting. Additionally, the account does not identify the original creditor even though it is listed as a debt buyer account. Without identifying the original creditor, the information can not be properly verified. Several required account details are also incomplete or missing, including payment terms, credit limit, and date of last activity.…
Upload your evidence. We draft a formal complaint with citations in 10 minutes. CFPB legally forces a response in 15 days.