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
- 692 total complaints in the last 3 years.
- 182 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:06/24/2025
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, **** Rondon ****, am a victim of identity theft. I did not open or authorize the following accounts. ********************** for $19177 opened 05-28-2022. ************ for $31465 opened 04-10-2025. JPMCB Card Services for $4702 opened 06-06-2017. NCB Management Services for $4046 listed as collection from *******************. I also did not authorize the following inquiries. PALMETTO *** on 06-18-2025. ************ on 07-27-2024. COMDATA-CRDT on 06-11-2024. MOVEMENT MOR on 05-25-2024. *****************-15-2024. ********************* on 07-05-2024. CAP ONE NA on 05-15-2023. These accounts and inquiries were added without my knowledge or permission. I request that all items be blocked and removed from my credit file under Section 605B of the Fair Credit Reporting Act. I am including a copy of my ID and proof of address as supporting documents.
Business Response
Date: 07/09/2025
Re: Complaint 23514031
Dear **** Rondon ****,
Thank you for submitting your concerns and providing NCB Management Services, Inc. (NCB) an opportunity to respond. The referenced account was an internet loan originating with ************* & ******** (*************) on May 18, 2023. You may also recognize this as your NetCredit open-end line of credit loan. *** purchased the account from ************* on November 27, 2023. This transfer included all pertinent information needed to confirm the debt is valid and owed, as well as ************* assigning to *** all of its rights related to the debt, including the right to collect and credit report the debt as permitted by law. The transfer of these contractual rights from ************* to *** does not require your permission or signature. You are still bound by your original agreement to pay this debt. The difference is that *** now owns the right to collect it from you. *** notified you of this transfer through our initial letter dated November 28, 2023, outlining *** as the current creditor to whom the debt is owed and advising of your right to dispute the debt and request validation. During this validation period, we waited over 30 days for you to respond before credit reporting the account on January *******.
*** completed a thorough investigation of your identity theft/fraud claim which included the information you provided, the information and documents provided to us by the original creditor, and the data from our own system regarding the status of your account. Additionally, we reached out to ************* and shared the information you provided. The documents and data we have do not substantiate the allegations of your dispute and fraud claim concerning this account. Our investigation confirmed the debt is valid and the information we reported to the credit reporting agencies (****) was accurate, complete, and reported in compliance with the **** and Metro 2 credit reporting standards.
Based on information provided by the original creditor, we reported July 14, 2023, as the date of first delinquency. This is the date that controls how long the account remains on your credit report. We have never changed the date of first delinquency. We reported November 27, 2023, as the date we purchased the account and opened it in our office. The **** and Metro 2 require us to report this date opened information.
In a separate mailing to the address in your complaint, *** will provide debt validation documents sufficient to verify the debt is valid and owed, which include a copy of the electronically signed online line of credit agreement, a financial transaction history of the account, and a copy of the bill of sale agreement between *** and *************. We trust this information helps to clarify things for you.
In sum,our investigation confirms that *** did not violate the ****. We have 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. *** updated our reporting to the credit reporting agencies to reflect the status of your dispute.
At ***, we strive to collaborate with consumers to help them resolve their accounts. 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 questions or concerns, please do not hesitate to contact *** at ************.
Sincerely,
***** *******
SVP, Compliance
NCB Management Services, Inc.Initial Complaint
Date:06/23/2025
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.
***************************************************** ****** ******* ****************************************** *************************** June 14, 2025 To Whom It May Concern:This letter serves as a formal demand for debt validation from NCB management according to 15 USC 1692 G that you immediately supply me with a detailed list of history of payments, my signature on the contract information on any insurance claims filled on this debt and a chain of title that your can collect on this debt.I appreciate your prompt attention to this matter and look forward to a response within 30 days. If you are unable to provide me with the information, please remove it from my credit report as soon as possible.****** *******Business Response
Date: 07/07/2025
RE: Complaint Number 23506357
Dear ****** *******,
Thank you for submitting your concerns and providing NCB Management Services, Inc. (NCB) an opportunity to respond. The referenced account was an internet loan originating with ************* & ******** (*************) on February ******. You may also recognize this as your NetCredit open-end line of credit loan. You did not ink-sign an agreement to open this account. You applied online and electronically signed and 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 and to credit report the debt as permitted by law. When the account was not paid as agreed, ************* sold the debt to *** on August 23, 2022. This transfer included all pertinent information needed to confirm the debt is valid and owed, as well as ************* assigning to *** all of its rights related to the debt, including the right to collect and credit report the debt as permitted by law. The transfer of these contractual rights from ************* to *** does not require your permission or signature. You are still bound by your original agreement to pay this debt. The difference is that *** now owns the right to collect it from you. *** notified you of this transfer through our initial letter dated August 24, 2022, outlining NCB as the current creditor to whom the debt is owed and advising of your right to dispute the debt and request validation. During this validation period, we waited over 30 days for you to respond before credit reporting the account on October 15, 2022.
*** investigated and verified account information multiple times since October 2023, in response to indirect tradeline disputes you made with the credit reporting agencies by verifying the information we reported accurately reflected the information provided by your original creditor.
*** investigated your dispute by reviewing the information you provided, the information and documents provided to us by the original creditor, and data from our own system regarding the status of your account. The documents and data we have do not substantiate the allegations in your dispute concerning this account. Our investigation confirmed the debt is valid and the information we reported to the credit reporting agencies (****)was accurate, complete, and reported in compliance with the **** and Metro 2 credit reporting standards.
Based on information provided by the original creditor, we reported April 15, 2022, as the date of first delinquency. This is the date that controls how long the account remains on your credit report. We have never changed the date of first delinquency. We reported August 23, 2022, as the date we purchased the account and opened it in our office. The **** and Metro 2 require us to report this date opened information.
Additionally,our review confirms that *** received your signed power of attorney (POA) from ********************, on September 15, 2022. *** spoke with one of their representatives on September 16, 2022, where they negotiated to settle the account for less than the balance owed in a total of 12 payments due by the 29th of each month from September 2022 August 2023. As a result of this agreement,two payments were received and successfully posted to your account on September 23, 2022, and October 25, 2022. Unfortunately, on November 29, 2022, *** received notice from ******************** that you were no longer their client.
In a separate mailing to the address in your complaint, *** will provide debt validation documents sufficient to verify the debt is valid and owed, which include a copy of the electronically signed online line of credit agreement, a financial transaction history of the account including payments made to ***, and a copy of the bill of sale agreement between *** and *************. *** would also like to point out section VI.ADDITIONAL TERMS & CONDITIONS, K. Assignment, it states, We may sell,assign or otherwise transfer your Account and our rights under this agreement and amounts owed by you to another creditor at any time without notice to you unless required by law. If we do so, this Agreement will remain in effect and will be binding on and will inure to the benefit of our assign(s). We trust this information helps to clarify things for you.
In sum, *** did not violate the ****** We have 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. *** updated our reporting to the credit reporting agencies to reflect the status of your dispute.
At ***, we strive to collaborate with consumers to help them resolve their accounts. In keeping with this goal, we welcome the opportunity to continue to work with you as there are many options available to assist in finding a resolution for this account. Should you have any further questions or concerns,please do not hesitate to contact NCB at ************.
Sincerely,
***** *******
SVP, Compliance
NCB Management Services, Inc.Initial Complaint
Date:06/21/2025
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 *******************. I do not have a contract with the collection agency trying to collect NCB Management Services, LLC, They did not provide me with the original contract as I requested. They are reporting my account as open plus NCB Management has sold my debt to another debt collection agency ************. This costly error is hurting my credit score. I demand this be removed.Business Response
Date: 07/07/2025
RE: Complaint Number 23501756
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 May 6, 2022, for the purchase of a 2014 **** Explorer. *** purchased the account from ****** on February 20, 2025. This transfer included all pertinent information needed to confirm the debt is valid and owed, as well as ****** assigning to *** all of its rights related to the debt, including the right to collect and credit report the debt as permitted by law. The transfer of these contractual rights from ****** to *** does not require your permission or signature. You are still bound by your original agreement to pay this debt. The difference is that *** now owns the right to collect it from you. *** notified you of this transfer through our initial letter dated March 27, 2025, outlining *** as the current creditor to whom the debt is owed and advising of your right to dispute the debt and request validation. During this validation period, we waited over 30 days for you to respond before credit reporting the account on May 13, 2025.
A review of our records confirms that this correspondence is the first direct dispute and request for debt validation received by ***. *** investigated your dispute by reviewing the information you provided, the information and documents provided to us by the original creditor,and data from our own system regarding the status of your account. The documents and data we have do not substantiate the allegations in your dispute concerning this account. Our investigation confirmed the debt is valid and the information we reported to the credit reporting agencies (****) was accurate, complete, and reported in compliance with the **** and Metro 2 credit reporting standards.
Based on information provided by the original creditor, we reported December 20, 2022, as the date of first delinquency. This is the date that controls how long the account remains on your credit report. We have never changed the date of first delinquency. We reported February 20, 2025, as the date we purchased the account and opened it in our office. The **** and Metro 2 require us to report this date opened information.
Additionally, our review confirms that on May 1, 2025,*** placed your account with ************ ***** for collection. As evidenced with the letter you attached from **** NCB is still the current creditor to whom the debt is owed. *** is only collecting on behalf of *** and has not credit reported your account to any of the credit reporting agencies.
In a separate mailing to the address in your complaint, *** will provide debt validation documents sufficient to verify the debt is valid and owed, which include a copy of the signed contract, the notice of intent to sell the vehicle, the deficiency notice, a financial transaction history of the account, and a copy of the bill of sale agreement between *** and Exeter.We trust this information helps to clarify things for you.
In sum, *** has 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. *** updated our reporting to the credit reporting agencies to reflect the status of your dispute.
At ***, we strive to collaborate with consumers to help them resolve their accounts. 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 questions or concerns, please do not hesitate to contact NCB at ************.
Sincerely,
***** *******
SVP, Compliance
NCB Management Services, Inc.Initial Complaint
Date:06/20/2025
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 honestly dont get why NCB MANAGEMENT SERVICE is reporting this debt under my name because I dont owe them anything. I never signed anything with them, and when I asked for a copy of the original application, they didnt even bother to provide it. Its frustrating because this is hurting my credit for no reason, and its just not fair. How can they just put something on my report without any proof?Account No: ****** Amount Disputed: $5184Business Response
Date: 07/04/2025
Re: Complaint 23497640
Dear Chickory ********,Thank you for submitting your concerns and providing NCB Management Services, Inc. (NCB) an opportunity to respond. The referenced account was an internet loan originating with *************** & Trust Co (Blue Ridge) on May *******. You may also recognize this as your Upgrade account. *** purchased the account from Upgrade on October 25, 2022. This transfer included all pertinent information needed to confirm the debt is valid and owed, as well as Upgrade assigning to *** all of its rights related to the debt, including the right to collect and credit report the debt as permitted by law. The transfer of these contractual rights from Upgrade to *** does not require your permission or signature. You are still bound by your original agreement to pay this debt. The difference is that *** now owns the right to collect it from you. *** notified you of this transfer through our initial letter dated July 28, 2022, outlining NCB as the current creditor to whom the debt is owed.
Unrelated to your current complaint, *** had requested its tradeline be deleted with all credit bureaus that we had previously reported your account. Please allow up to 30 -60 days from that date for the credit bureaus to process and update their records. Should you have any further concerns, please contact *** at ************.Sincerely,
***** *******
SVP, Compliance
NCB Management Services, Inc.Initial Complaint
Date:06/20/2025
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 honestly dont get why NCB Management Services, Inc. is reporting this debt under my name because I dont owe them anything. I never signed anything with them, and when I asked for a copy of the original application, they didnt even bother to provide it. Its frustrating because this is hurting my credit for no reason, and its just not fair. How can they just put something on my report without any proof?Account No: ****** Amount Disputed: $11770Business Response
Date: 07/04/2025
Re: Complaint 23496486
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 January 7, 2020, for the purchase of a 2010 ***** Odyssey. This loan agreement has you listed as co-buyer and another individual with whom you shared a last name and address, listed as buyer. *** purchased the account from ****** on February 20, 2025. This transfer included all pertinent information needed to confirm the debt is valid and owed, as well as ****** assigning to *** all of its rights related to the debt, including the right to collect and credit report the debt as permitted by law. The transfer of these contractual rights from ****** to *** does not require your permission or signature. You are still bound by your original agreement to pay this debt. The difference is that *** now owns the right to collect it from you. *** notified you of this transfer through our initial letter dated March 3, 2025, outlining NCB as the current creditor to whom the debt is owed and advising of your right to dispute the debt and request validation. During this validation period, we waited over 30 days for you to respond before credit reporting the account on April 15, 2025.
This correspondence is the first direct dispute and request for debt validation received by ***. *** investigated your dispute by reviewing the information you provided, the information and documents provided to us by the original creditor, and data from our own system regarding the status of your account. The documents and data we have do not substantiate the allegations in your dispute concerning this account. Our investigation confirmed the debt is valid and the information we reported to the credit reporting agencies (****) was accurate, complete, and reported in compliance with the **** and Metro 2 credit reporting standards.
Based on information provided by the original creditor, we reported August 20, 2022, as the date of first delinquency. This is the date that controls how long the account remains on your credit report. We have never changed the date of first delinquency. We reported February 20, 2025, as the date we purchased the account and opened it in our office. The **** and Metro 2 require us to report this date opened information.
In a separate mailing to the address in your complaint, *** will provide debt validation documents sufficient to verify the debt is valid and owed, which 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 *** and *********. We trust this information helps to clarify things for you.
*** maintains all appropriate licenses, registrations, and bonds required to conduct business throughout *****************. 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 ***. For more information in the state of *****, you may also visit **********************************************************.
In sum, NCB did not violate the **** or the ****** We have 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. *** updated our reporting to the credit reporting agencies to reflect the status of your dispute.
At ***, we strive to collaborate with consumers to help them resolve their accounts. 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 questions or concerns,please do not hesitate to contact NCB at ************.
Sincerely,
***** *******
SVP, Compliance
NCB Management Services, Inc.Initial Complaint
Date:06/19/2025
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 honestly dont get why NCB Management Services, Inc. LLC is reporting this debt under my name because I dont owe them anything. I never signed anything with them, and when I asked for a copy of the original application, they didnt even bother to provide it. Its frustrating because this is hurting my credit for no reason, and its just not fair. How can they just put something on my report without any proof?Account No: ****** Amount Disputed: $13923Business Response
Date: 07/04/2025
Re: Complaint 23493699
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 October 1, 2021, for the purchase of a 2018 ********** Outlander. *** purchased the account from ********* on December 17, 2024. This transfer included all pertinent information needed to confirm the debt is valid and owed, as well as ********* assigning to *** all of its rights related to the debt, including the right to collect and credit report the debt as permitted by law. The transfer of these contractual rights from ********* to *** does not require your permission or signature. You are still bound by your original agreement to pay this debt. The difference is that *** now owns the right to collect it from you. *** notified you of this transfer through our initial letter dated December 18, 2024, outlining *** as the current creditor to whom the debt is owed and advising of your right to dispute the debt and request validation. During this validation period, we waited over 30 days for you to respond before credit reporting the account on February 7, 2025.
*** investigated and verified account information multiple times since March 2025, in response to indirect tradeline disputes you made with the credit reporting agencies by verifying the information we reported accurately reflected the information provided by your original creditor.
This correspondence is the first direct dispute and request for debt validation received by ***. *** investigated your dispute by reviewing the information you provided, the information and documents provided to us by the original creditor, and data from our own system regarding the status of your account. The documents and data we have do not substantiate the allegations in your dispute concerning this account. Our investigation confirmed the debt is valid and the information we reported to the credit reporting agencies (****) was accurate, complete, and reported in compliance with the **** and Metro 2 credit reporting standards.
Based on information provided by the original creditor, we reported March 30, 2024, as the date of first delinquency. This is the date that controls how long the account remains on your credit report. We have never changed the date of first delinquency. We reported December 17, 2024, as the date we purchased the account and opened it in our office. The **** and Metro 2 require us to report this date opened information.
In a separate mailing to the address in your complaint, *** will provide debt validation documents sufficient to verify the debt is valid and owed, which 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 *** and *********. We trust this information helps to clarify things for you.
*** maintains all appropriate licenses, registrations, and bonds required to conduct business throughout *****************. 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 ***. At this time, the state of ************** does not require a debt collection license.
In sum, *** did not violate the **** or the ****** We have 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. *** updated our reporting to the credit reporting agencies to reflect the status of your dispute.
At ***, we strive to collaborate with consumers to help them resolve their accounts. 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 questions or concerns, please do not hesitate to contact NCB at ************.
Sincerely,
***** *******
SVP, Compliance
NCB Management Services, Inc.Initial Complaint
Date:06/18/2025
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.
This account has been misreported, causing harm to my credit, and must be removed immediately.Business Response
Date: 07/04/2025
RE: Complaint Number 23488872
Dear ****** *****,
Thank you for submitting your concerns and providing NCB Management Services, Inc. (NCB) an opportunity to respond. The referenced account was an internet loan originating with ************* & ******** (*************) on October 13, 2021. You may also recognize this as your Elastic line of credit loan. *** purchased the account from ************* on April 22, 2022. This transfer included all pertinent information needed to confirm the debt is valid and owed, as well as ************* assigning to *** all of its rights related to the debt, including the right to collect and credit report the debt as permitted by law. The transfer of these contractual rights from ************* to *** does not require your permission or signature. You are still bound by your original agreement to pay this debt. The difference is that *** now owns the right to collect it from you. *** notified you of this transfer through our initial letter dated April 25, 2022, outlining NCB as the current creditor to whom the debt is owed and advising of your right to dispute the debt and request validation. During this validation period, we waited over 30 days for you to respond before credit reporting the account on June 17, 2022.
*** investigated and verified account information multiple times since October 2023, in response to indirect tradeline disputes you made with the credit reporting agencies by verifying the information we reported accurately reflected the information provided by your original creditor.
*** investigated your dispute by reviewing the information you provided, the information and documents provided to us by the original creditor, and data from our own system regarding the status of your account. The documents and data we have do not substantiate the allegations in your dispute concerning this account. Our investigation confirmed the debt is valid and the information we reported to the credit reporting agencies (****)was accurate, complete, and reported in compliance with the **** and Metro 2 credit reporting standards.
Based on information provided by the original creditor, we reported February 1, 2022, as the date of first delinquency. This is the date that controls how long the account remains on your credit report. We have never changed the date of first delinquency. We reported April 22, 2022, as the date we purchased the account and opened it in our office. The **** and Metro 2 require us to report this date opened information.
In a separate mailing to the address in our attached letter, *** will provide debt validation documents sufficient to verify the debt is valid and owed, which 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 *** and ************* & Trust. It is important to note that while we are committed to providing information about the debt, we are not obliged to fulfill every item requested in your letter, nor can we offer legal advice pertaining to the application of the laws in your specific circumstances. *** also provided a copy of these documents in April 2024, in response to your first dispute and request for validation.
In sum, *** has 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. *** updated our reporting to the credit reporting agencies to reflect the status of your dispute.
At ***, we strive to collaborate with consumers to help them resolve their accounts. 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 questions or concerns, please do not hesitate to contact NCB at ************.
Sincerely,
***** *******
SVP, Compliance
NCB Management Services, Inc.Initial Complaint
Date:06/18/2025
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.
The collection agencys misrepresentation of this debt constitutes an unfair collection practice.Business Response
Date: 07/04/2025
RE: Complaint Number 23485377
Dear Jadquay ******,
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 ************************** (Santander) on July 27, 2018, for the purchase of a 2017 ******* ******. *** purchased the account from ********* on March 28, 2022. This transfer included all pertinent information needed to confirm the debt is valid and owed, as well as ********* assigning to *** all of its rights related to the debt, including the right to collect and credit report the debt as permitted by law. The transfer of these contractual rights from ********* to *** does not require your permission or signature. You are still bound by your original agreement to pay this debt.The difference is that *** now owns the right to collect it from you. *** notified you of this transfer through our initial letter dated March 31, 2022, outlining NCB as the current creditor to whom the debt is owed and advising of your right to dispute the debt and request validation. During this validation period, we waited over 30 days for you to respond before credit reporting the account on May 17, 2022.
*** investigated and verified account information multiple times since February 2023, in response to indirect tradeline disputes you made with the credit reporting agencies by verifying the information we reported accurately reflected the information provided by your original creditor.
A review of our records confirms that this correspondence is the first direct dispute and request for debt validation received by ***. *** investigated your dispute by reviewing the information you provided, the information and documents provided to us by the original creditor, and data from our own system regarding the status of your account. The documents and data we have do not substantiate the allegations in your dispute concerning this account. Our investigation confirmed the debt is valid and the information we reported to the credit reporting agencies (****) was accurate, complete, and reported in compliance with the **** and Metro 2 credit reporting standards.
Based on information provided by the original creditor, we reported January 9, 2020, as the date of first delinquency. This is the date that controls how long the account remains on your credit report. We have never changed the date of first delinquency. We reported March 28, 2022, as the date we purchased the account and opened it in our office. The **** and Metro 2 require us to report this date opened information.
In a separate mailing to the address in your complaint, *** will provide debt validation documents sufficient to verify the debt is valid and owed, which 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 *** and *********. It is important to note that while we are committed to providing information about the debt, we are not obliged to fulfill every item requested in your letter, nor can we offer legal advice pertaining to the application of the laws in your specific circumstances.
In sum, *** did not violate the ****** We have 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. *** updated our reporting to the credit reporting agencies to reflect the status of your dispute.
At ***, we strive to collaborate with consumers to help them resolve their accounts. 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 questions or concerns, please do not hesitate to contact NCB at ************.
Sincerely,
***** *******
SVP, Compliance
NCB Management Services, Inc.Initial Complaint
Date:06/18/2025
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.
The listing includes a service fee assessed during a system-wide outage at the provider.Business Response
Date: 07/04/2025
RE: Complaint Number 23484738
Dear ****** *****,
Thank you for submitting your concerns and providing NCB Management Services, Inc. (NCB) an opportunity to respond. *** stands by our response to your first BBB complaint ********. A review of your current Statement of the Problem is not applicable to NCB, as we do not assess any service fees for any of our consumers.
Should you have any further questions or concerns, please do not hesitate to contact NCB at ************.
Sincerely,
***** *******
SVP, Compliance
NCB Management Services*****Initial Complaint
Date:06/17/2025
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 honestly dont get why NCB MANAGEMENT SERVICE is reporting this debt under my name because I dont owe them anything. I never signed anything with them, and when I asked for a copy of the original application, they didnt even bother to provide it. Its frustrating because this is hurting my credit for no reason, and its just not fair. How can they just put something on my report without any proof?Account No: ****** Amount Disputed: $3118Business Response
Date: 06/30/2025
RE:Complaint 23478715
Dear **** ******,
Thank you for submitting your concerns and providing NCB Management Services, Inc. (NCB) an opportunity to respond. The referenced account was an internet loan originating with ************* & ******** (*************) on June 27, 2022. You may also recognize this as your NetCredit open-end line of credit loan. *** purchased the account from ************* on April 24, 2023. This transfer included all pertinent information needed to confirm the debt is valid and owed, as well as ************* assigning to *** all of its rights related to the debt, including the right to collect and credit report the debt as permitted by law. The transfer of these contractual rights from ************* to *** does not require your permission or signature. You are still bound by your original agreement to pay this debt. The difference is that *** now owns the right to collect it from you. *** notified you of this transfer through our initial letter dated April 25, 2023, outlining NCB as the current creditor to whom the debt is owed and advising of your right to dispute the debt and request validation. During this validation period, we waited over 30 days for you to respond before credit reporting the account on July 10, 2023.NCB investigated and verified account information multiple times since July 2023, in response to indirect tradeline disputes you made with the credit reporting agencies by verifying the information we reported accurately reflected the information provided by your original creditor.
This correspondence is the first direct dispute and request for debt validation received by ***. *** investigated your dispute by reviewing the information you provided, the information and documents provided to us by the original creditor, and data from our own system regarding the status of your account. The documents and data we have do not substantiate the allegations in your dispute concerning this account. Our investigation confirmed the debt is valid and the information we reported to the credit reporting agencies (****) was accurate, complete, and reported in compliance with the **** and Metro 2 credit reporting standards.
Based on information provided by the original creditor, we reported November 25, 2022,as the date of first delinquency. This is the date that controls how long the account remains on your credit report. We have never changed the date of first delinquency. We reported April 24, 2023, as the date we purchased the account and opened it in our office. The **** and Metro 2 require us to report this date opened information.
Additionally, a review of our records finds that *** had the opportunity to speak with you when you called into our office on November 22, 2024. During this call you acknowledged the debt and agreed to a settlement making 24 monthly payments of $72.52 beginning on December 21, 2024. These payments have been successfully posting to your account with the most recent payment posting on June 23, 2025. We appreciate all of the effort youve been putting into satisfying this debt.
In a separate mailing to the address in your complaint, *** will provide debt validation documents sufficient to verify the debt is valid and owed, which include a copy of the electronically signed online line of credit agreement, a financial transaction history of the account including the payments made to ***, and a copy of the bill of sale agreement between *** and *************. We trust this information helps to clarify things for you.
*** maintains all appropriate licenses, registrations, and bonds required to conduct business throughout *****************. 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 ***. At this time, the state of Ohio does not require a debt collection license.
In sum, *** did not violate the ****** We have 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. *** updated our reporting to the credit reporting agencies to reflect the status of your dispute.
At ***, we strive to collaborate with consumers to help them resolve their accounts. 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 questions or concerns, please do not hesitate to contact NCB at ************.Sincerely,
***** *******
SVP, Compliance
NCB Management Services, Inc.
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