NCB Management Services Inc.

NCB Management Services is reporting a collection account on my Experian credit report with a balance of {$1500.00}. This account originated from an XXXX XXXX auto loan. On XX/XX/XXXX, XXXX XXXX responded to my prior CFPB complaint ( Case # XXXX ) and confirmed in writing that this account was transferred to NCB Management Services XXXX XX/XX/XXXX at a XXXX dollar balance. XXXX 's exact statement : " The Account was reported to the CRAs as transferred and was closed by XXXX with a zero balance. '' Despite this, NCB is reporting {$1500.00} on my credit report with no explanation of how this balance was derived from a {$0.00} transfer. I have never received any debt validation from NCB. NCB has been reporting this disputed account for over a year without providing validation, which violates 15 U.S.C. 1692g of the FDCPA.

Im writing to file a complaint against NCB Management Services for violating my consumer rights under 12 CFR 1006.34 and 15 USC 1681-s2 ( 7 ) ( A ). Theyve added an inaccurate account to my consumer report without giving me the required validation info, as outlined in 12 CFR 1006.34 ( b ) ( 5 ). On top of that, I havent been given a chance to dispute the account, which Im entitled to under 12 CFR 1006.34 ( c ) ( 4 ) ( i ). Overall, their actions are not only against federal regulations but also misleading and deceptive

I demand that your reinvestigation include a review of the following " wet-ink '' documentation : The Original Authenticated Contract : I demand to see a copy of the notarized contract between myself and NCB MANAGEMENT SERVICES that authenticates this specific debt and grants them the legal authority to report this data to my credit file. Validation of Debt : Pursuant to 15 U.S.C. 1692g, NCB MANAGEMENT SERVICES must provide a complete breakdown of the alleged debt, including the original principal and any subsequent interest or fees added, to prove the balance is 100 % accurate. Proof of Assignment : Provide the specific " Letter of Assignment '' or " Bill of Sale '' that legally transfers the rights of the original creditor to this third-party agency.…

NCB Management XXXX Account XXXX XXXXXXXX XX/XX/2025 opened Balance {$13000.00} Account appears on my credit and I called and asked to haveit remove. Sent identity theft report and nothing was done. Account was deleted from XXXX and XXXX already.

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX NCB Management Services , Inc.Attn : Collections Department Sent via Certified Mail : N/A Re : Chain of Custody / Debt Ownership DisputeOriginal Creditor : XXXX XXXXAlleged Account Number : [ Last 4 Digits ] Collector Account Number : [ Insert Account Number ] To Whom It May Concern, I am formally disputing the validity and ownership of the alleged debt referenced above pursuant to the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). I request complete documentation establishing the chain of custody and legal transfer of this alleged account from the original creditor to NCB Management Services , Inc. At this time, I do not acknowledge liability for this debt, and I request strict proof of your authority to collect.…

I've reached out to this company via mail and they have failed to give me a debt validation regarding this debt, I've sent them numerous debt validation letters via certified mail and no response has been given. I've asked for a notarized document between myself XXXX XXXX and NCB Managment Services they have failed to send me this information but have faithfully sent me correspondence via text message and phone calls requesting response about this debt. I've asked for a contract that I have with this company NCB Managment Services and I've have not gotten the audacity to be given this information. Due to 15 USC 1692g I'm allowed debt validation as a consumer but have been ignored when I reached out to this company.

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 Services previously responded to CFPB Case stating they would delete this tradeline from all agencies. Despite this, they have engaged XXXX XXXX XXXX XXXX to continue collection efforts for {$20000.00} ( Ref : XXXX ). I demand an immediate permanent cessation of all collection activity, as NCB has failed to provide the 'signed contract ' mentioned in their previous response and has already moved to delete the reporting due to inaccuracies.

THIS IS NOT A DUPLICATE COMPLAINT DO NOT DELETE! THIS IS IN RESPONSE TO PREVIOUS COMPLAINT # XXXX. I am filing this complaint regarding a collection account being reported by XXXXXXXX XXXX XXXX ( NCB Management Services ) on behalf of XXXX XXXX XXXX XXXX XXXX. I previously requested validation and verification of this alleged debt. In response, NCB only provided disclosures and documentation showing transfer of the account. They did not provide a signed contract, original agreement, or sufficient documentation proving I am legally obligated for this debt. This does not meet the requirements of proper debt verification under the Fair Debt Collection Practices Act ( FDCPA ) or the Fair Credit Reporting Act ( FCRA ). Critical Time-Sensitive Impact : I am currently in the process of purchasing a home and am scheduled to close within the next 30 days. This inaccurate and unverified collection account is directly jeopardizing my mortgage approval.…

I request validation of the alleged debt referenced in your recent communication, including the name of the original creditor, the total amount owed, documentation establishing my responsibility for the debt, and proof that your company is authorized to collect it.

First, I want to emphasize that the signature appearing on that contract is not mine. Second, the account from which those alleged payments were made is not mine either. Third, how does a third-party collection agency possess information that is supposedly confidential between the bank and the client? I have been battling an identity theft issue for several years now ; this is not the first time this has happened, and it is a result of banks disclosing personal information to third parties without the owner 's consent. I had already explained to XXXX XXXX that I was not the owner of that account and that it was a case of identity theft. If they are so concerned about this matter, why don't they simply recover the items listed as collateral in the alleged contract they submitted to the CFPB? They are violating my rights, and they are violating the Fair Credit Reporting Act. That account is definitely not mine.…

I am submitting this complaint regarding NCB Management Services for failure to properly validate an alleged debt and failure to maintain a valid address for consumer correspondence. I previously sent a certified debt validation request to the company, which was not responded to. I made another good-faith attempt to request validation by sending a certified letter to the address publicly associated with the company XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. However, the letter was returned by XXXX marked forwarding expired, indicating the company does not maintain a reliable or valid mailing address for consumer disputes. As a result, I have been unable to obtain proper validation of the alleged debt, including documentation of the original creditor, account agreement, and proof of my legal obligation to pay. Despite this, the account continues to be reported on my credit file.…

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.

This is affecting my credit in so many ways. I can't rent an apartment ; I can't get a credit card it's just keeping me back from so much right now. I been trying to get in contact with this collection company and when I did, they directed me to another collection agency, and this comes from a old car loan I had and surrendered because I was involved in a armed robbery and they stole my car and they have they had that documented by XXXX XXXX XXXX by the looks of it which doesn't make any sense how XXXX XXXX is trying to collect now on top of NCB. I have already filed a complaint with NCB MANAGEMENT SERVICE in the XXXX Aswell a week ago after I spoke to them on XX/XX/year> because I ended up getting a new MAIL letter through mail of a company as XXXX XXXX SOLUTIONS REAL RESULTS trying to collect XXXX the same amount as NCB MANAGEMENT and they told me that's them trying to collect the payment and they gave me the same number that's on the MAIL I got which is a whole different company…

XXXX XXXX XXXX XXXX XXXX XXXX maryland XXXX NCB Management XX/XX/XXXXXX/XX/year> Verification of Debt Request Re : Acct XX/XX/XXXXAmount in dispute XX/XX/XXXXXXXX Dear NCB Management, I am writing regarding the debt you are attempting to collect. You contacted me via email on XX/XX/year>. This letter is being sent pursuant to the Fair Debt Collection Practices Act, 15 U.S.XXXX. XXXX ( a ) and ( b ), which requires you to provide the following information : Details Regarding the Debt and the Creditor Within XXXX days of the initial communication with a consumer regarding the collection of any debt, a debt collector must, unless the required information was included in the initial communication or the debt has already been paid, provide the consumer with a written notice that includes : - The total amount of the debt. - The name of the current creditor to whom the debt is owed.…

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 XXXX XXXX XXXX - XXXX of investigation consumer report ; you are in violation.

This CFPB complaint is also a formal request for debt validation to XXXX XXXX XXXX under the Fair Debt Collection Practices Act ( FDCPA ) and a dispute of the accuracy and completeness of the account under the Fair Credit Reporting Act ( FCRA ). My attached letter outlines the documents required to lawfully validate the alleged debt, including the original signed agreement, proof of ownership or assignment, the purchase or transfer agreement, and a complete accounting of the balance. To assess the legal standing and enforceability of this debt, I have also requested the following : The Date of First Delinquency ( DOFD ), as recorded by the original creditor and used to determine default and charge-off status. The date the account was charged off. The date the account was acquired or assigned to XXXX XXXX XXXX, along with any documentation confirming the nature of the transfer.…

Ncb services has called my job several times and calls my cell phone close to 8 times a day and they will leave messaged that last longer then XXXX min. This has been going on for about a year now

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.

XXXX XXXX XXXX ( g ) ( XXXX ) there was no evidence Of indebtedness, there was only an agreement provided. It is my understanding that because I was unable to make an uninformed decision, the agreement is void DELETE

Help my rights are being violated, 15 U.S.C. 1692g ( b ) of the FDCPA requires debt collectors to cease collection activities and provide proper validation of the debt when requested in writing within 30 days of initial contact. The accounts Ive referenced are not 100 % accurate. Until you provide competent evidence that validates the debt including a signed agreement, full account history, and verification of your authority to collect you must cease all collection efforts and remove the information from my credit report.

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 - DiscloXXXX 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 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.

Im being sued by NCB Management for a debt of {$9700.00} for a car repossession and I do not have a contract with NCB Management

This debt collector has done unjustifiable practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. they didn't follow the proper 5-step validation procedure. According to the FDCPA, I'm entitled to compensation for these violations and clearly, they violated my rights and abused my privileges. I demand this account be taken off immediately.

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.

The company removes it off my credit for months then a put it back. The Collectin was sold to a diffident company and then they popped back up under a different name on my credit it is illegal to charge off and sale credit and still reported on someone one credit ass a collection if another company brought it out.

NCB Management Services is reporting a collection account on my credit report in the amount of {$2600.00} claiming the original creditor is XXXX XXXX XXXX XXXX. This account was opened by NCB Management Services on XX/XX/XXXX with a reported first date of delinquency of XX/XX/XXXX. NCB Management Services is a debt buyer meaning they purchased this alleged debt from XXXX XXXX XXXX XXXX rather than being the original creditor. I have never received any written validation notice from NCB Management Services regarding this alleged debt as required under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. This is my first formal contact disputing this account. NCB Management Services has not provided any of the following documentation required to validate this debt : Proof that NCB Management Services is licensed to collect debts in the State of Texas The complete chain of title showing every transfer of this debt since origination with XXXX XXXX XXXX XXXX.…

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH, XXXX XXXX XXXX NCB Management Services XXXX XXXX XXXX XXXXXXXX XXXX PA XXXX Re : Request for Debt Validation Account Number : [ Insert account number if known ] Dear Sir or Madam, I am writing in response to your communication regarding the above-referenced account. Under my rights provided by the Fair Debt Collection Practices Act ( FDCPA ), I am requesting validation of this alleged debt. Please provide the following information : 1. The amount of the alleged debt, including any fees, interest, or charges 2. The name and address of the original creditor 3. Documentation showing that I agreed to or am legally obligated to pay this debt 4. Proof that your agency is authorized to collect on this debt 5. Verification that the debt is within the applicable statute of limitations Until you provide proper validation of this debt, I request that you cease all collection activities and communication with me regarding this matter.…