ComplaintsforNCB Management Services, Inc.

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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.

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Initial Complaint
07/24/2023
Complaint Type:
Billing Issues
Status:
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.
I am not liable for this debt with ********* and do not have a contract with NCB Management. They did not provide me with the original application like I asked.
Customer response
07/25/2023
These are my investigation Request letters sent to the Bureaus.
Business response
08/08/2023
August 7, 2023

*******************************
**** * * ****** ** ***
Irving, TX *****

RE: Complaint Number ********

Dear *******************************,

Thank you for giving NCB Management Services, Inc. (NCB) the opportunity to respond to your concerns.

This account was an auto loan originating with ********* ******** ******* (*********) on July 20, 2016. NCB purchased this account from Santander on September 26, 2018. On September 28, 2018, NCB sent you a letter notifying you that NCB is now the current creditor to whom the debt is owed.

NCB investigated your current dispute by reviewing the information and documents provided by the original creditor, the information you provided and the information from our own system regarding the status of your account. The documents we have do not substantiate the allegations in your dispute. Our investigation confirmed the debt is valid and owed, and the information we reported to the credit reporting agencies was accurate and complete.

As part of our investigation of your current dispute, we compared our records to the ****** ***** document you provided which purports to summarize information from the major credit bureaus. The summary document does not reflect the information that NCB reported to the credit bureaus. Summaries prepared by third party sites can be unreliable. In fact, the Federal Trade Commission (FTC) warns people to avoid using third party sites to obtain credit report information. Instead, they recommend obtaining a free credit report directly from one of the credit bureaus such as ******** or **********. For more information, visit the FTC website at *********************************************************.

NCB has updated our reporting 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 response
08/09/2023
This account is indeed not complete and accurate and is violating my rights. This is a snapshot of the reporting account, there are several inaccuracies. I did not give this company my written consent to furnish on report. I do not have a contract with them. My rights are being violated across the board. Delete this account immediately! Or I will be force to sue for your negligence to uphold the law.
Initial Complaint
07/16/2023
Complaint Type:
Billing Issues
Status:
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.
I'm not liable for this debt with ****** ******* ***. I do not have a contract with NCB MANAGEMENT SERVICE, they did not provide me with the original contract as I requested.
Business response
07/31/2023
July 31, 2023

****************
*** ********* **
Stockbridge, GA *****

RE: Complaint Number ********

Dear ****************,

Thank you for giving NCB Management Services, Inc. (NCB) the opportunity to respond to your concerns.

This account was an auto loan originating with ****** ******* *** (******) on January 22, 2015. NCB purchased this account from ****** on September 21, 2020. On September 25, 2020, NCB sent you a letter notifying you that NCB is now the current creditor to whom the debt is owed.

NCB investigated your current dispute by reviewing the information and documents provided by the original creditor, the information you provided and the information from our own system regarding the status of your account. The documents we have do not substantiate the allegations in your dispute. Our investigation confirmed the debt is valid and owed, and the information we reported to the credit reporting agencies was accurate and complete.

NCB has updated our reporting 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.
************
Initial Complaint
07/15/2023
Complaint Type:
Billing Issues
Status:
Resolved
The complainant verified the issue was resolved to their satisfaction.
I am not liable for this debt with ** ******** **** **. I DO NOT have a contract with NCB MANAGEMENT SERVICES, they did not provide me with the original contract as I requested.
Business response
07/28/2023
July 28, 2023

*********************
**** ****** ***** ******
West Palm Beach, FL *****
RE: Complaint Number ********

Dear *********************,

Thank you for giving NCB Management Services, Inc. (NCB) the opportunity to respond to your concerns.

This account was an internet loan originating with ************* & ******** (*************) on July 16, 2021. NCB purchased this account from ************* on January 25, 2022. On March 1,2022, NCB sent you a letter notifying you that NCB is now the current creditor to whom the debt is owed.

NCB investigated your current dispute by reviewing the information and documents provided by the original creditor, the information you provided and the information from our own system regarding the status of your account. The documents we have do not substantiate the allegations in your dispute. Our investigation confirmed the debt is valid and owed, and the information we reported to the credit reporting agencies was accurate and complete.

NCB has updated our reporting 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 response
08/02/2023
[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
07/13/2023
Complaint Type:
Customer Service Issues
Status:
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.
I am not liable for this debt with *********** ******************** I do not have a contract with NCB Management Services, they did not provide me with the original contract as requested.
Business response
07/26/2023
July 25, 2023

*********************
**** * ********* ** Apt ***
Carrollton, TX *****

RE: Complaint Number ********

Dear *********************,

Thank you for giving NCB Management Services, Inc. (NCB) the opportunity to respond to your concerns.

This account was an internet loan originating with *********** ******************* (***********) on August 9, 2018.NCB purchased this account from *********** on December 21, 2018. On December 24, 2018, NCB sent you a letter notifying you that NCB is now the current creditor to whom the debt is owed.

NCB investigated your current dispute by reviewing the information and documents provided by the original creditor, the information you provided and the information from our own system regarding the status of your account. The documents we have do not substantiate the allegations in your dispute. Our investigation confirmed the debt is valid and owed, and the information we reported to the credit reporting agencies was accurate and complete.

NCB has updated our reporting 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.
************
Initial Complaint
07/10/2023
Complaint Type:
Billing Issues
Status:
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.
I am not liable for this debt with *********** ** ********** ***. I do not have a contract with NCB Management Services, Inc, they did not provide me with the original contract as I requested.
Business response
07/24/2023
July 24, 2023

*************************
******************************
Norwalk, CA *****

RE: Complaint Number ********

Dear *************************,

Thank you for giving NCB Management Services, Inc. (NCB) the opportunity to respond to your concerns.

This account was an internet loan originating with *********** of **********, LLC d/b/a **** on November 7, 2019.NCB purchased this account from **** on November 20, 2020. On November 27, 2020,NCB sent you a letter notifying you that NCB is now the current creditor to whom the debt is owed.

NCB investigated your current dispute by reviewing the information and documents provided by the original creditor, the information you provided and the information from our own system regarding the status of your account. The documents we have do not substantiate the allegations in your dispute. Our investigation confirmed the debt is valid and owed, and the information we reported to the credit reporting agencies was accurate and complete.

NCB has updated our reporting 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.
************
Initial Complaint
07/03/2023
Complaint Type:
Billing Issues
Status:
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.
This company has been harassing me for months now. I have asked for validity of the debt, I have NO recollection of the debt. I also told them, my bank account information was STOLEN, my bank had to close all my accounts and my debit and re open new accounts. They've not provided me anything, at all. IN fact, they have gone on to call my ex husband, his sister, and his parent's- after they have all asked them to stop (as well as I have). I do not talk to them, and they're invading my privacy by sharing information about myself (even if false) to someone that does not know me, OR quite likely have any right knowing any of my business. They can't provide me the proof of debt, after I've called them, AND e-mailed them on my more than one occasion. I have shown them, my bank account information had to be changed due to someone literally stealing all of my information, and they ignore my requests, and keep harassing me at all hours. I've disputed it with the credit bureau's (on three occasions) and they refuse to delete, and refuse to show me a debt with my signatures, I've been blatantly ignored. I've told them it's against the law to report false information on someone's credit report, and have been told they can do whatever they want.
Business response
07/19/2023
July 18, 2023

*****************************
*******************************************
Byron Center, MI *****

RE: Complaint Number ********

Dear *****************************,

Thank you for providing NCB Management Services, Inc (NCB) the opportunity to respond to your concerns.

NCB purchased your account from ************* & ******** (*************) on December 22, 2022. This account was an internet loan originating with ************* on February 3, 2022.You may also recognize this as your ********* line of credit 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 from you and to credit report the debt as permitted by law.

When the account was not paid as agreed, ************* sold the debt and transferred its rights to NCB.************* may transfer its contractual rights to NCB without your permission or signature. You are still bound by your original agreement to pay this debt. The difference is that NCB now owns the right to collect it and to credit report the debt as permitted by law. As stated in our initial letter dated December 27, 2022, NCB is your current creditor to whom the debt is owed.

NCB respectfully disagrees with the allegations in your complaint and believes they may be misdirected. This correspondence is the first direct dispute and request for debt validation documents received by NCB. To date, NCB has not had the opportunity to speak with you, nor have we received any emails from you. A review of our call records also confirms that we did not speak to or share information with any third party, as stated in your complaint. Additionally, the review finds that the number of call attempts made have been reasonable, at times permitted under applicable law, and are in accordance with NCB policy. Upon receipt of your complaint, NCB has ceased all attempts at contacting you on phone and will continue to honor your request in the future.

In response to your current dispute, NCB investigated your dispute by reviewing the information you provided, the information and documents provided to us by the original creditor, and the information from our own system regarding the status of your account. The documents we have do not substantiate the allegations in your dispute. In a separate mailing to the address in your complaint, NCB will provide debt validation documents which will include a copy of the online Line of Credit Agreement, a financial transaction history of the account, and a copy of the bill of sale agreement between NCB and *************. We hope this information helps to clarify things for you.

In sum, 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. NCB updated our reporting to the CRAs regarding this account to reflect the status of your dispute. At NCB, we strive to collaborate with consumers to help them achieve financial freedom. In keeping with this goal, we welcome the opportunity to work with you as there are many options available to assist in finding a resolution for this account. Should you have any further concerns, please contact NCB at ************.
Sincerely,

***************************
Chief Compliance Officer
NCB Management Services, Inc.
************
Initial Complaint
07/03/2023
Complaint Type:
Billing Issues
Status:
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.
Hello, two of my credit reports still list a tradeline for a settlement from several years ago. I was assured this was going to be removed once I paid in accordance with the agreement. That did not occur for two credit reporting agencies. I tried to contact your company by email but got no response and even disputed the listing to the relevant credit bureaus, which was denied. I noticed on dozens of complaints on BBB that you always agree to delete tradelines. Here is just one recent example: "Once the settlement process completed on our end, on March 3, 2023, NCB requested its tradeline be deleted with all credit bureaus that we had previously reported your account. Please allow up to 30 to 45 days from March 3, 2023, for the credit bureaus to process and delete your tradeline. If you find the account has not been deleted after 45 days, please contact us again and let us know which credit reporting agency still shows the account." Can you please delete my tradeline like you've done for so many other folks? I do have many more examples from the public complaints that I can send you if you need to see them. This is for the recently failed ************* *** *****. Because it is so old, I do not have any further info other than this from my credit report: "Account ************". Thank you.
Business response
07/19/2023
July 19, 2023

*************************
************************
Grand Ledge, MI *****

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 and respectfully disagree with the allegations in your complaint. Our records indicate that a trade line deletion was not part of the arrangement you made to settle this account on February 24, 2020. On January 12, 2021, NCB received your final payment to complete your settlement agreement.

NCB follows the requirements of the Fair Credit Reporting Act and the Metro 2 credit reporting standard in our credit reporting processes. In keeping with these requirements, NCB updated the credit reporting as settled in full with a zero balance on January 21, 2021.

It is our goal, however, to work with consumers and resolve whatever differences may be involved. In keeping with this goal, NCB has 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 concerns, please contact NCB at ************.

Sincerely,

***************************
Chief Compliance Officer
NCB Management Services, Inc.
************
Initial Complaint
06/26/2023
Complaint Type:
Billing Issues
Status:
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.
I am not liable for this date with this company i do not have a contract with this convergent. They did not provide me with the original application like i asked.
Business response
07/10/2023
July 10, 2023

*******************
**************************
Detroit, MI *****

RE: Complaint Number ********

Dear *******************,

Thank you for giving NCB Management Services, Inc. (NCB) the opportunity to respond to your concerns. NCB respectfully disagrees with the allegations in your complaint.

This account was an internet loan originating with ************* c/****** ********* on August 18, 2022. The loan agreement made you responsible for paying this debt and gave ******* the right to collect and credit report the debt as permitted by law.

On March 22, 2023, ******* sold the debt and transferred to NCB its right to collect and credit report the debt as permitted by law. ******* *** 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. On March 27, 2023, NCB sent you a letter notifying you that NCB is now the current creditor to whom the debt is owed.

This correspondence is the first direct dispute and request for debt validation documents received by NCB.NCB investigated your current dispute by reviewing the information and documents provided by the original creditor and the information from our own system regarding the status of your account. The documents we have do not substantiate the allegations in your dispute. Our investigation confirmed the debt is valid and owed, and the information we reported to the CRAs was accurate, complete, and reported in compliance with the FCRA and Metro 2 credit reporting standards.

In a separate mailing to the address on your complaint, NCB will provide debt validation documents which will include a copy of the online application, the loan agreement, a financial transaction history of the account, and a copy of the bill of sale agreement between NCB and *******.

In sum, 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. At NCB, we strive to collaborate with consumers to help them achieve financial freedom. In keeping with this goal, we welcome the opportunity to work with you as there are many options available to assist in finding a resolution for this account. NCB has updated our reporting to the CRAs 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.
************
Initial Complaint
06/25/2023
Complaint Type:
Billing Issues
Status:
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.
They were collecting a Debt for ******** **** *** *****. I paid it off in 2021 with NCB. The agreement was that I was paying it off in 1 lump sum so the collection for that and the other collection they had would be removed. For whatever reason Nov 2022 they reported a new update to the credit unions showing the account was still open. It shows a $0 balance but it caused my rebuilt credit to drop From a 680 to a 540 because it showed as a new collection being open. I have asked several times for this to be fixed. They finally sent over an update in May.... Still showing the account it open active collection for $0. They even sent me the statement saying it's not active but NOT closed but said it's just a glitch show it's open. I want this removed as promised when I paid the loan off. Their actions are negatively impacting my credit and they have absolutely no desire to solve this problem. I have disputed it with the credit agencies several times but every time NCB tells them yep it's still open. It WASN'T open for over a year then suddenly last fall it is with a $0 balance. I don't want to have to wait 7 years for this to be corrected through normal drop offs. That's the last thing the suggested to me.
Business response
07/10/2023
July 10, 2023

*****************************
**************************
Tiffin, OH *****

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. Our records indicate that a trade line deletion was not part of the arrangement you made when you agreed to settle this account on May 08, 2020. NCB received your payment to complete this settlement that same day, and on May 14, 2020, NCB sent the notification to the credit reporting agencies that your account was settled in full with a zero balance.

It is our goal to work with consumers and resolve whatever differences may be involved. In keeping with this goal, NCB has requested its tradeline be deleted with all credit bureaus that we had previously reported your account. Please allow 30 to 45 days for the credit bureaus to process and update their records. Should you have any further questions, please contact NCB at ************.

Sincerely,

***************************
Chief Compliance Officer
NCB Management Services, Inc.
************
Customer response
07/14/2023
[To assist us in bringing this matter to a close, you must give us a reason why you are rejecting the response. If no reason is received your complaint will be closed as Answered]

Complaint: ********

I am rejecting this response because:
This debt WAS removed. In November they the. Reported it as a $0 balance OPEN account. The collection was paid. The agreement was removal for the full payment. From January they have been assuring me that within 45 days it will be removed. The ONLY messages received by them to the credit agencies is to add the notes that it was paid. This was already requested several times for several months. Even the letter they sent to me leaves off the word closed. It says paid. The credit agencies have asked for verification from them that it is still an open collection. Each time they have said YES. Saying yes means it will take 7 years to come off my report. I have paid my debt. Yet I am to be punished for 7 years beyond clearing the debt. We stopped debtor prisons in the US ages ago. It needs to be actually reported as closed and removed per our agreement on the call.

Regards,

*****************************
Business response
07/25/2023
July 25, 2023

*****************************
*** * ****** **
Tiffin, OH *****

RE: Complaint Number ********

Dear *****************************,

NCB Management Services, Inc. (NCB) appreciates the opportunity to respond to your concerns. As stated in our original response, on July 11, 2023, NCB requested its tradeline be deleted with all credit bureaus that we had previously reported your account to. The confirmation number for that deletion request was: AUD Control ID # *******. This deletion will remove all credit reporting of your account by NCB.

If you find the account has not been deleted after 45 days, please contact us again and let us know which credit reporting agency still shows the account. Should you have any further concerns, please contact NCB at ************.

Sincerely,

***************************
Chief Compliance Officer
NCB Management Services, Inc.
************
Initial Complaint
06/19/2023
Complaint Type:
Billing Issues
Status:
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.
I am not liable for this debt with ***************************** I do not have a contract with NCB Management Services. They did not provide me with the original contract as requested.
Business response
07/03/2023
June 30, 2023

*************************
**************************
Houston, TX *****

RE: Complaint Number ********

Dear *************************,

Thank you for giving NCB Management Services, Inc. (NCB) the opportunity to respond to your concerns. NCB respectfully disagrees with the allegations in your complaint.

This account was an internet loan originating with ***************************** LLC ***************** on December 6, 2019. You may also recognize this as your **** online loan account. The loan agreement made you responsible for paying this debt and gave *************** the right to collect and credit report the debt as permitted by law.

On May 21, 2020, *************** sold the debt and transferred to NCB its right to collect and credit report the debt as permitted by law. *************** 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. On May 26, 2020, NCB sent you a letter notifying you that NCB is now the current creditor to whom the debt is owed.

This correspondence is the first direct dispute and request for debt validation documents received by NCB. NCB investigated your current dispute by reviewing the information and documents provided by the original creditor and the information from our own system regarding the status of your account. The documents we have do not substantiate the allegations in your dispute. Our investigation confirmed the debt is valid and owed, and the information we reported to the CRAs was accurate, complete, and reported in compliance with the FCRA and Metro 2 credit reporting standards.

In a separate mailing to the address on your complaint, NCB will provide debt validation documents which will include a copy of the online application, the loan agreement, a financial transaction history of the account, and a copy of the bill of sale agreement between NCB and ***************.

In sum, 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. At NCB, we strive to collaborate with consumers to help them achieve financial freedom. In keeping with this goal, we welcome the opportunity to work with you as there are many options available to assist in finding a resolution for this account. NCB has updated our reporting to the CRAs 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.
************

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