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Business Profile

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NCB Management Services, Inc.
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BBB Accredited BusinessB Rated by BBB

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

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NCB Management Services, Inc. has 4 locations, listed below.

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    Customer Complaints Summary

    • 693 total complaints in the last 3 years.
    • 180 complaints closed in the last 12 months.

    If you've experienced an issue

    Submit a Complaint

    The 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.

    Sort by

    Complaint status

    Complaint type

    • Initial Complaint

      Date:06/17/2025

      Type:Billing Issues
      Status:
      Answered
      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: $3118

      Business 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.

    • Initial Complaint

      Date:06/16/2025

      Type:Billing Issues
      Status:
      Answered
      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: $1625

      Business Response

      Date: 06/30/2025

      RE:Complaint 23476937

      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 ********************************* c/o Rise on December ******. *** purchased the account from Rise on August *******. This transfer included all pertinent information needed to confirm the debt is valid and owed, as well as Rise 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 Rise 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 September 1, 2021, 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 16, 2021. 

      NCB investigated and verified account information multiple times since December 2021,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 February *******, 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 27, 2021, 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 application and loan agreement, a financial transaction history of the account, and a copy of the bill of sale agreement between *** and Rise. 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 ****** 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:06/16/2025

      Type:Billing Issues
      Status:
      Answered
      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: $2016

      Business Response

      Date: 06/30/2025

      RE:Complaint 23475246

      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 8, 2021. You may also recognize this as your NetCredit open-end line of credit loan. *** purchased the account from ************* on May 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 May 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 August *******.

      *** investigated and verified account information multiple times since May 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. There are three disputes that were recently submitted and are still under review.

      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 17, 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 May 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,a review of our records confirms that between January 2025 and April 2025, five (5) payments of $57.62 were made. We appreciate the efforts to date toward satisfying your account.

      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 Kentucky 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.

    • Initial Complaint

      Date:06/16/2025

      Type:Billing Issues
      Status:
      Answered
      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 creditor re-aged the debt after a small payment that was part of a test transaction.

      Business Response

      Date: 06/30/2025

      RE: Complaint 23473452

      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 ************ c/o Rise (FinWise) on June 17, 2021. *** purchased the account from ******* on April 25, 2022. This transfer included all pertinent information needed to confirm the debt is valid and owed, as well as FinWise 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 26, 2022, outlining NCB as the current creditor to whom the debt is owed and advising you 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 May 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. There is one dispute that was recently submitted and is still under review.

      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 February 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 April 25, 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. *** has not re-aged your debt.

      As part of our investigation, we compared our records to the documents you provided which purports to summarize information from the major credit bureaus. The summary documents do not reflect the information that *** reported to the credit reporting agencies (****). Its important to note that credit reporting summaries prepared by third party sites can be unreliable. In fact, the ************************ (***)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 Experian or TransUnion. For more information, visit the **** website at *********************************************************.

      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 application and loan 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, *** did not violate the ****, the ****** or other applicable laws. 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:06/12/2025

      Type:Product Issues
      Status:
      Answered
      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 collector reported the item while also filing a dispute waiver I never signed.

      Business Response

      Date: 06/29/2025

      RE: Complaint Number 23459111

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

      Thank you for submitting your concerns and providing NCB Management Services, Inc. (NCB) an opportunity to respond. A review of our records finds that this correspondence is duplicative in nature to your previous BBB **********, and *** believes we have addressed your concerns in our response.

      Additionally, as part of our current investigation, we compared our records to the documents you provided which purports to summarize information from the major credit bureaus. The summary documents do not reflect the information that *** reported to the credit reporting agencies (****). Its important to note that credit reporting summaries prepared by third party sites can be unreliable. In fact, the ************************ (***)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 Experian or TransUnion. For more information, visit the **** website at *********************************************************.

      As previously stated, *** had provided debt validation documents sufficient to verify the debt is valid and owed to the address in your complaint on May 13, 2025, and we have provided another copy of these documents in response to your current complaint. While we stand by our response and believe our investigations show the credit reporting to be accurate and complete and this debt to be valid, *** has made the decision to request its tradeline be deleted with all credit bureaus that we had previously reported your account. Please allow up to 30 - 60 days 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:06/10/2025

      Type:Billing Issues
      Status:
      Answered
      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 *** 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: $2821

      Business Response

      Date: 06/25/2025

      Re:Complaint 23451194

      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 December ******. You may also recognize this as your Elastic line of credit loan. *** purchased the account from ************* on November 20, 2020. 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 24, 2020, 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 January 16, 2021.

      NCB investigated and verified account information in May 2025, in response to an indirect tradeline dispute you made with one of the credit reporting agencies by verifying the information we reported accurately reflected the information provided by your original creditor. There are two disputes that were recently submitted and are still under review.

      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 September *******, 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 20, 2020, 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 application, the terms and conditions, 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 ***. Currently, the state of Virginia 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:06/10/2025

      Type:Billing Issues
      Status:
      Answered
      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: $11752

      Business Response

      Date: 06/25/2025

      Re:Complaint 23448200

      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 29, 2015, for the purchase of a 2013 Chevrolet Malibu. This loan agreement has you listed as co-buyer and another individual listed as buyer. *** purchased the account from ****** on March 9, 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 22, 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 4, 2022.

      *** investigated and verified account information in June 2024, in response to an indirect tradeline dispute you made with one of the credit reporting agencies by verifying the information we reported accurately reflected the information provided by your original creditor. There are two disputes that were recently submitted and are still under review.

      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 July 25, 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 9, 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 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.

      *** 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 Louisiana 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:06/07/2025

      Type:Billing Issues
      Status:
      Answered
      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 was identity theft never opened the account disputed this account last year and sent in proper documents stating this was fraudulent I still havent received any help from this account NCB ********************** still is reporting this account on my credit reports as I owe them Ive also went to all 3 credit bureaus to also file a report this is unfair Ive tried getting this account deleted which the original creditor has deleted this account except for NCB which they are still reporting like its my account Im just asking for some help for this to be deleted

      Business Response

      Date: 06/13/2025

      Re:Complaint 23437366

      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 ********************** (CCBank)c/o Rise on September 2, 2021. You may also recognize this as your Rise account. *** purchased the account from ****** on April 29, 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 May ******, 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 18, 2022.

      *** investigated and verified account information multiple times since July 2022, 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.

      To assist us in our investigation of your claim, a review of our records confirms that on May 13, 2025, *** had forwarded you a fraud packet requesting it be completed and returned. To date, *** has not received these completed documents from you. Should you choose to complete them, we have provided another copy of these documents in response to your current complaint.

      *** 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 December 3, 2021,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 29, 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 a recent statement, the card member agreement, a financial transaction history of the account, and a copy of the bill of sale agreement between *** and ******. We will also attach a copy of these documents along with our response to the CFPB.

      In sum, our investigation confirms that *** 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:06/06/2025

      Type:Billing Issues
      Status:
      Answered
      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 debt appeared under a reporting agency I never consented to share data with.

      Business Response

      Date: 06/23/2025

      Re: Complaint 23436595

      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 December 18, 2020, for the purchase of a 2017 Chevrolet Trax.*** purchased the account from ****** on February 21, 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 February 23, 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 May 22, 2024.

      A review of our records confirms that this correspondence is the first direct dispute 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 31, 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 21, 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.

      As part of our investigation, we compared our records to the documents you provided which purports to summarize information from the major credit bureaus. The summary documents do not reflect the information that *** reported to the credit reporting agencies (****). Its important to note that credit reporting summaries prepared by third party sites can be unreliable. In fact, the ************************ (***) 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 Experian or TransUnion.For more information, visit the **** website at *********************************************************.

      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 includes 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 Exeter. We trust this information helps to clarify things for you.

      In sum, *** did not violate the ****, the ****** or other applicable laws. 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:06/06/2025

      Type:Billing Issues
      Status:
      Answered
      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, *** 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: $3377

      Business Response

      Date: 06/23/2025

      Re: Complaint 23436068

      Dear **** *****,

      Thank you for submitting your concerns and providing NCB Management Services, Inc. (NCB) an opportunity to respond. *** believes we have already addressed all of your concerns in our response to your recent CFPB complaint 250402-19829345 and will respond in kind.

      The referenced account was an internet loan originating with ************ c/o Rise (FinWise) on October 16, 2022. *** purchased the account from ******* on July 24, 2023. This transfer included all pertinent information needed to confirm the debt is valid and owed, as well as FinWise 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 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 October 17, 2023.

      *** 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 May 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 July 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.

      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 application and loan agreement, a financial transaction history of the account, and a copy of the bill of sale agreement between *** and FinWise. Please note under the FEDERAL TRUTH-IN-LENDING DISCLOSURES, TRANSFER OF RIGHTS AND MAINTENANCE OF REGISTER,it states, We may assign or transfer this Agreement or any of our rights hereunder, to another person or entity without notice or consent from you. We also attached a copy of these documents along with our response to the CFPB.

      *** 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 ****** 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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