Complaints

This profile includes complaints for NCB Management Services, Inc.'s headquarters and its corporate-owned locations. To view all corporate locations, see Find Local Branches.

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• 

  NCB Management Services, Inc.

  1 Allied Dr Trevose, PA 19053-6945

  
• 

  NCB Management Services, Inc.

  2517 E 54th St N Sioux Falls, SD 57104-5563

• 

  NCB Management Services, Inc.

  PO Box 1099 Langhorne, PA 19047-6099

  
• 

  NCB Manangement Services Inc.

  8653 Baypine Rd Ste 110 Jacksonville, FL 32256-7547

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.

• Initial Complaint

  Date:06/06/2025

  Type:Billing Issues
  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: $2528

  

  Business Response

  Date: 06/23/2025

  Re: Complaint 23433937
  
  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 July 29, 2021. You may also recognize this as your NetCredit open-end line of credit loan. *** purchased the account from ************* on November 25, 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 November 26, 2024, outlining NCB as the current creditor to whom the debt is owed.
  
  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 July 16, 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 November 25, 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 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.

  *** 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:06/06/2025

  Type:Billing Issues
  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: $13589

  

  Business Response

  Date: 06/29/2025

  Re: Complaint 23433681
  

  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 June 29, 2018, for the purchase of a 2014 Volkswagon Passat 5C. This loan agreement has you listed as buyer and another individual with whom you shared an address, listed as co-buyer. *** purchased the account from *********** on August 11, 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 August 17, 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 September *******.
  
  *** 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. 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 July 28, 2019, 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 August 11, 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 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 NCB 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:06/05/2025

  Type:Billing Issues
  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: $2416

  

  Business Response

  Date: 06/23/2025

  Re:Complaint 23431087
  
  Dear ****** *****,
  
  Thank you for submitting your concerns and providing NCB Management Services, Inc. (NCB) an opportunity to respond. The referenced account was a credit card account originating with ********************** (******)on September 5, 2021. You may also recognize this as your Today Card **********. *** purchased the account from ****** on September 26, 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 September 30, 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 November 19, 2022.
  
  *** investigated and verified account information multiple times since August 2024, 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.

  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 April 4, 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 September 26, 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 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, *** 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.Re:Complaint 23431087

• Initial Complaint

  Date:06/05/2025

  Type:Billing Issues
  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: $2496

  

  Business Response

  Date: 06/19/2025

  Re: Complaint Number 23429521
  
  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 June 11, 2019, for the purchase of a 2017 ****** Camry. *** purchased the account from ****** on October ******. 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 October 11, 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 November 29, 2021.

  *** 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 a few 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 November 25, 2019,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 October 6, 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 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 ***. 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:06/05/2025

  Type:Billing Issues
  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.

  COLLECTION AGENCY is violating the Customer Name, they removed it from one ********************** and did not removed it from rest of the bureaus.

  

  Business Response

  Date: 06/19/2025

  Re: Complaint 23427813
  
  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 17, 2021, for the purchase of a 2018 Nissan Rogue. *** purchased the account from ********* on December 12, 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 January 16, 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 March 12, 2024.

  *** investigated and verified account information multiple times since December 2024, 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 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 3, 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 December 12, 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 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 Santander.We trust this information helps to clarify things for you.

  Regarding the arbitration provision you referenced in the original contract, we believe there may be some misunderstanding as to its applicability, timing, and process, however, *** cannot 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 and have never requested your tradeline to be deleted from any of the credit reporting agencies. We have confirmed that 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:06/04/2025

  Type:Billing Issues
  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: $9838

  

  Business Response

  Date: 06/18/2025

  Re:Complaint 23418313
  
  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 April 5, 2017, for the purchase of a 2014 ****** Altima. This loan agreement has you listed as co-buyer and another individual with whom you shared an address, listed as buyer. *** purchased the account from ****** on October 6, 2021. 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 October 11, 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 November 29, 2021.
  
  *** investigated and verified account information multiple times since April 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.

  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 6, 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 October 6, 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 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 Georgia does not require a debt collection license. For more information 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:06/03/2025

  Type:Billing Issues
  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.

  *** who this company is but i reached out to them because i seen them on my credit report. They did not provide what i asked for which was to verify who they are and they they have the right person. im asking that the bbb holds these folks accountable in removing this from my credit report and ceasing to contact me again!

  

  Business Response

  Date: 06/17/2025

  Re:Complaint 23412893
  
  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 May 4, 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 *******, 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 18, 2024.
  
  *** completed a thorough investigation of your dispute 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 June 23, 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 we have on file, *** will provide debt validation documents sufficient to verify the debt is valid and owed, which includes 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.

  *** respects your preference to cease all communications with you. Other than the debt validation documents mentioned above, upon receiving this request, we have ceased communicating with you directly and will continue to honor this preference in the future.
  
  In sum, our investigation confirms that *** 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.

  Customer Answer

  Date: 06/18/2025

  [To assist us in bringing this matter to a close, you must give us a reason why you are rejecting the response. If no reason is received your complaint will be closed as Answered]
  
   Complaint: 23412893
  
  I am rejecting this response because: First, I did not authorize this company to report anything on my credit. I never received their supposed initial letter dated November 28, 2023. Their claim that they waited 30 days before reporting is unsupported, and I have yet to see proof that I ever opened any account with them or **************
  Second, I requested validation of the debt under my rights in the ***** and ****. *** has failed to provide sufficient documentation proving this debt belongs to me no original signed contract, no full transaction history, no proof I ever agreed to the terms of this loan. They claim documents were sent separately, but I have not received them.
  They also admit the debt was transferred, but that doesnt prove the debt is mine. Just because they bought a file doesnt give them the right to report it under my name without showing real verification. A bill of sale proves they bought a debt, not my debt.

  
  Their Metro 2 compliance language is irrelevant if the underlying data is inaccurate.This was the first Ive seen this account, and its damaging my credit.
  I am asking the BBB to keep this complaint open and hold *** accountable until they provide full validation, including my signature and proof that this debt is legally tied to me. If not, they must cease all reporting and collections activity immediately.
  
  
  Regards,
  
  ******* *****
  
  
  
  
  
  
  
  

  
  

  Customer Answer

  Date: 06/18/2025

  First, I did not authorize this company to report anything on my credit. I never received their supposed initial letter dated November 28, 2023. Their claim that they waited 30 days before reporting is unsupported, and I have yet to see proof that I ever opened any account with them or **************
  Second, I requested validation of the debt under my rights in the ***** and ****. *** has failed to provide sufficient documentation proving this debt belongs to me no original signed contract, no full transaction history, no proof I ever agreed to the terms of this loan. They claim documents were sent separately, but I have not received them.
  They also admit the debt was transferred, but that doesnt prove the debt is mine. Just because they bought a file doesnt give them the right to report it under my name without showing real verification. A bill of sale proves they bought a debt, not my debt.
  Their Metro 2 compliance language is irrelevant if the underlying data is inaccurate.This was the first Ive seen this account, and its damaging my credit.
  I am asking the BBB to keep this complaint open and hold *** accountable until they provide full validation, including my signature and proof that this debt is legally tied to me. If not, they must cease all reporting and collections activity immediately.

  

  Business Response

  Date: 06/30/2025

  Re:Complaint 23412893
  
  Dear ******* *****,
  
  Thank you for submitting your concerns and providing NCB Management Services, Inc. (NCB) an opportunity to respond. *** stands by our original response to your complaint and believe we have already addressed your concerns and encourage you to re-review that response. We will attach a copy of our initial letter as well as the validation of debt that was previously provided which is sufficient to verify the debt is valid and owed as required by law. *** cannot offer legal advice pertaining to the application of the laws in your specific circumstances.
  
  When reviewing the validation of debt, we would 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). You may not transfer your rights under this Agreement. Any attempt to do so will be void.
  
  We trust this information helps to clarify things for you. 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:06/03/2025

  Type:Billing Issues
  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.

  Last few weeks ago upon reviewing my credit report, I noticed that there were accounts there that are not mine, a number of unknown addresses that I never resided, and inquiries that I never authorized. I have contacted the creditors to make them aware of this possible identity theft. I also found this account that I believe not mine:Acct name: NCB (Original Creditor: 12 ************************** D)acct no. **********date opened 08/23/2022 balance $5,379.00 I am not liable for this debt and I do not have a contract with:Company: NCB MANAGMENT SERVICES Address: ******************************** Tel No: ************** Police Report and FTC Affidavit are attached with this complaint together with dispute letter sent to the bureaus and the authorization for release of information. I also filed complaints thru CFPB. Please delete this account from my credit report at once. Any questions or concerns I can be reached at ********************************************************* and email at ********************** I need a response from the company.

  

  Business Response

  Date: 06/17/2025

  Re:Complaint 23409786
  
  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 *************************** d/b/a Rise on February 14, 2022. *** purchased the account from Rise on August 23, 2022. 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 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.
  
  This correspondence is the first identity theft/fraud claim you have communicated directly to ***. We have initiated an investigation into your claim, which includes reaching out to the seller and sharing the information you provided and require additional time to complete it. While we investigate, *** has marked your account as disputed and ceased all collection activities. You will be notified separately in writing of the outcome of our investigation of your fraud claim. Should you have any further concerns, please contact *** at ************.
  
  Sincerely,
  
  ***** *******
  SVP, Compliance
  NCB Management Services, Inc.

• Initial Complaint

  Date:06/03/2025

  Type:Billing Issues
  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 *** 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: $1734

  

  Business Response

  Date: 06/17/2025

  Re:Complaint 23411574
  
  Dear ****** *******,
  
  *** addressed all your concerns in your recent CFPB complaint 250403-19838051 when we advised the following:

  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 March 17, 2023. You may also recognize this as your NetCredit open-end line of credit loan. *** purchased the account from ************* on October 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 October 27, 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 December 15, 2023.
  

  *** investigated and verified account information in January 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.

  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 May 26, 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 October 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 first had the opportunity to speak with you on December 7, 2023.During this call you acknowledged the debt and discussed the reason the account fell past due. You advised you didnt have the ability to make any payments at that time. On February 19, 2024, you agreed to a settlement on our website for $1,374.72, and scheduled payments of $57.28 beginning on February 22, 2024. After some payments had returned, on August 29, 2024, you advised you changed the checking account so payments should be ok now. On September 27, 2024, you revoked authorization for the settlement and payments going forward. We have been unable to reach you since.

  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 your payments made to ***, and a copy of the bill of sale agreement between *** and *************.

  Please note under 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). You may not transfer your rights under this Agreement. Any attempt to do so will be void. We will also attach 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 ****

  *** respects your preference to cease all communications with you. Other than the debt validation documents mentioned above, upon receiving this request, we have ceased communicating with you directly and will continue to honor this preference in the future. It is important to note that our credit reporting is permitted by applicable law and does not constitute a communication with you. *** cannot offer legal advice pertaining to the application of the laws in your specific circumstances.

  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:06/02/2025

  Type:Billing Issues
  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.

  COLLECTION AGENCY is violating the Customer Name, they removed it from one ********************** and did not removed it from rest of the bureaus.

  

  Business Response

  Date: 06/17/2025

  Re:Complaint 23405799
  
  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 February 23, 2018, for the purchase of a 2013 ******* ******.NCB 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 March 27, 2024, outlining *** 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 May 22, 2024.
  
  *** investigated and verified account information multiple times since June 2024,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.
  
  *** 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 8, 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.

  Regarding the arbitration provision you referenced in the original contract, we believe there may be some misunderstanding as to its applicability, timing, and process, however, *** cannot offer legal advice pertaining to the application of the laws in your specific circumstances.
  
  In a separate mailing to the address in your complaint, *** provided additional 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 ******.
  
  In sum, *** did not violate the **** or the ****** Because of our permissible purpose to credit report your debt, *** had never requested your tradeline be deleted from any of the credit reporting agencies.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.