ComplaintsforNCB Management Services, Inc.

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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.

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Initial Complaint
10/31/2023
Complaint Type:
Billing Issues
Status:
Answered
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
I am not liable with NCB management services, I don't have contract with this collection agency that's trying to collect this debt on my credit report. Account #************* Pursuant to 18 USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15 USC 1681b NCB management services has no permission to report anything using my information pursuant to 15 USC 1681 4 I demand this account be removed from all three credit bureaus.
Business response
11/16/2023
November 16, 2023

***********************
****************************
Frankfort, KY *****

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

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

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

NCB purchased the referenced account on August 1, 2019, from ********* ******** ******** (*********). This account was an auto loan, originating with Santander on March 10, 2017, for the purchase of a 2013 *** *******. You entered into a contractual agreement with the original creditor, Santander. That agreement made you responsible for paying this debt and gave ********* the right to collect it from you.

When the account was not paid as agreed,********* sold the debt and transferred all of its rights to NCB including the right to collect and credit report the debt as permitted by law. Santander may transfer its contractual rights to NCB without your permission or signature. You are still bound by your original agreement to pay this debt. The difference is that NCB now owns the right to collect it from you. As discussed in our August 6, 2019, letter, NCB is now the current creditor to whom the debt is owed.

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

A review of our records finds no direct request for the debt validation documents had been received by NCB prior to the receipt of this complaint. In a separate mailing to the address in your complaint, NCB has provided debt validation documents which include a copy of the signed contract, the deficiency letter, 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.

In sum, NCB did not violate the FCRA. NCB 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 dispute as required by law. We have updated our credit reporting to reflect the status of your dispute.

At NCB, we strive to collaborate with consumers to help them achieve financial freedom. In keeping with this goal, we welcome the opportunity to work with you as there are many options available to assist in finding a resolution for this account. Should you have any further concerns, please do not hesitate to contact NCB at ************.

Sincerely,

***************************
Chief Compliance Officer
NCB Management Services, Inc.
************
Initial Complaint
10/13/2023
Complaint Type:
Billing Issues
Status:
Answered
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
I am not liable for this debt with "** ******** **** ***** **", I do not have a contract with NCB Management Services Inc. They did not provide me with the original contract as i requested.
Customer response
10/16/2023

Business response
11/01/2023
October 31, 2023

***********************
*********************
Miami, FL *****

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

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

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

This account was an internet loan originating with ************* & ******** (*************) on May 25, 2022. You may also recognize this as your ********* open-end line of credit loan. NCB purchased this account from ************* on May 24, 2023. On June 30, 2023, NCB sent you a letter notifying you that NCB is now the current creditor to whom the debt is owed.

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

A review of our records finds no direct request for the debt validation documents had been received by NCB prior to the receipt of this complaint. In a separate mailing to the address in this complaint, NCB has provided debt validation documents which include a copy of the electronically signed line of credit agreement, a financial transaction history of the account, and a copy of the bill of sale agreement between NCB and *************.

NCB has updated our reporting to reflect the status of your dispute. Should you have any further concerns, please contact NCB at ************.

Sincerely,

***************************
Chief Compliance Officer
NCB Management Services, Inc.
************
Initial Complaint
10/06/2023
Complaint Type:
Billing Issues
Status:
Answered
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
I'm not liable for this debt with ** ********* ******** *** I, I do not have a contract with the collection agency NCB MANAGEMENT SERVICES, they did not provide me with the original contract as I requested.
Customer response
10/11/2023
I am not liable for this debt with ********* ******** *** I, I do not have a contract with NCB MANAGEMENT SERVICES, they did not provide me with the original contract as I requested.
Business response
10/26/2023
October 25, 2023

*******************************
*** **********
Crete, IL *****

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

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

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

This account was an auto loan originating with ********* ******** ******* (*********) on April 18, 2015, for the purchase of a 2011 ****** ******. NCB purchased this account from Santander on February 27,2020. As a result of the sale, ********* gave NCB information needed to verify the debt is valid and owed and assigned to NCB all of its rights related to the debt, including the right to collect and credit report the debt as permitted by law. On March 2, 2020, NCB sent you a letter notifying you that NCB is now the current creditor to whom the debt is owed.

NCB investigated and verified account information multiple times since May 2020, in response to indirect tradeline disputes you made with the credit reporting agencies (CRAs) by verifying the information we reported accurately reflects the information provided by your original creditor, Santander.

NCB investigated your current dispute by reviewing the information and documents provided to us by the original creditor, the information you provided and the data from our own system regarding the status of your account. The information and documents we have do not substantiate the allegations in your dispute. Our investigation does not show that NCB has received the letter attached to your complaint dated June 16, 2023. Our investigation also confirmed the debt is valid and owed, and the information we reported to the credit reporting agencies was accurate and complete and reported in compliance with the FCRA and ***** * credit reporting standards.

Based on information provided by the original creditor, we reported February 17, 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 27, 2020 as the date we purchased the account and opened it in our office. The CRAs and ***** * require us to report this “date opened” information.

A review of our records finds no direct request for the debt validation documents had been received by NCB prior to the receipt of this complaint. In a separate mailing to the address in this complaint, NCB has provided debt validation documents which included 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 NCB and *********. NCB has updated its credit reporting to reflect the status of your dispute.
At NCB, we strive to collaborate with consumers to help them achieve financial freedom. In keeping with this goal, we welcome the opportunity to work with you as there are many options available to assist in finding a resolution for this account.

Should you have any further concerns, please contact NCB at ************.

Sincerely,

***************************
***************************
Chief Compliance Officer
NCB Management Services, Inc.
************
Initial Complaint
10/03/2023
Complaint Type:
Billing Issues
Status:
Answered
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
To Whom it may concern,This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. NCB MANAGEMENT SERVICE ACCT #: ********BAL. $10,924.00 Under the Fair Credit Reporting Act, 15 U.S.C. § 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please don't respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611(a)(5)(A)(i). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.
Business response
10/17/2023
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 ****** ******* LLC (******) on October 29, 2019, for the purchase of a 2016 ****** *****. This loan agreement has you listed as co-buyer and another individual with whom you shared an address, listed as buyer. NCB purchased the account from ****** on March 22, 2023. As a result of the sale, ****** gave NCB information needed to verify the debt is valid and owed and assigned to NCB all of its rights related to the debt, including the right to collect and credit report the debt as permitted by law. On March 24, 2023, NCB sent you a letter notifying you that NCB is now the current creditor to whom the debt is owed and advising you of your right to dispute and request debt validation. We waited over two months for you to respond before credit reporting the account on June 6, 2023.

NCB investigated and verified account information five times in September 2023, in response to indirect tradeline disputes you made with the credit reporting agencies, by verifying the information we reported accurately reflects the information provided by your original creditor, ******. This correspondence is the first direct request for debt validation received by NCB. In a separate mailing to the address in your complaint, NCB will provide you with debt validation documents including 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 NCB and ******.

NCB maintains all appropriate licenses, registrations, and bonds required to conduct business throughout the United States. 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 NCB.The law does not require us to give you proof of our company's licenses, registrations, or bonds. The law requires us to provide sufficient information for you to verify that the debt is owed and we have met that obligation.

Regarding your identity theft/fraud claim also attached to this complaint, 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, NCB 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.
NCB has updated our reporting to reflect the status of your dispute. Should you have any further concerns, please contact NCB at ************.

Sincerely,

***************************
Chief Compliance Officer
NCB Management Services, Inc.
************
Initial Complaint
09/18/2023
Complaint Type:
Billing Issues
Status:
Answered
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Good afternoon, After checking my credit report I've noticed NCB Management Services keeps reporting to the credit bureau as if its a new account and its not. This account is at least 7 yrs. old but they keep reopening this account and its effecting my credit. How can I go about fixing this manner?
Business response
10/02/2023
October 2, 2023

***************************
*****************************
Marietta, GA *******

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

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

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

The debt at issue is an auto loan originating with ****** ******* LLC (******) on April 1, 2015, for the purchase of a 2011 ****** *****. This loan agreement has you listed as co-buyer and another individual with whom you shared an address, listed as buyer. On September 21, 2020, ****** sold the debt to NCB. As a result of the sale, ****** gave NCB information needed to verify the debt is valid and owed and assigned to NCB all of its rights related to the debt, including the right to collect and credit report the debt as permitted by law. On September 25, 2020, NCB sent you a letter notifying that NCB is now the current creditor to whom the debt is owed.

This correspondence is the first direct dispute received by NCB. NCB investigated your dispute by reviewing the information you provided, the information and documents provided to us by the original creditor, and information from our own system regarding the status of your account. The documents we have do not substantiate the allegations in your dispute concerning this account.

Our investigation confirmed the information we reported to the credit reporting agencies (CRAs) was accurate, complete, and reported in compliance with the FCRA and ***** * credit reporting standards. Based on information provided by the original creditor, we reported July 15, 2017, as the date of first delinquency. This is the date that controls how long the account remains on your credit report. We reported September 21, 2020, as the date we purchased the account and opened it in our office. The CRAs and ***** * require us to report this date opened information. We cannot give you legal advice about how to apply the law (statute of limitations) to the facts.

In a separate mailing to the address in this complaint, NCB has provided debt validation documents sufficient to verify the debt is valid and owed. These documents 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 NCB and ******.

In sum, NCB 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. NCB updated our reporting to the credit reporting agencies regarding this account to reflect the status of your dispute.

At NCB, we strive to collaborate with consumers to help them achieve financial freedom. In keeping with this goal, we welcome the opportunity to work with you as there are many options available to assist in finding a resolution for this account. Should you have any further concerns, please contact NCB at ************.

Sincerely,

***************************
Chief Compliance Officer
NCB Management Services, Inc.
************
Initial Complaint
08/13/2023
Complaint Type:
Billing Issues
Status:
Answered
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
I am not liable for this debt with NCB Management Services. I do not have a contract with them. I did not sign any contract with this agency. Please have this removed from my credit report.
Business response
08/28/2023
August 28, 2023

*****************************
TX *****

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

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

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

This account was an auto loan originating with ********* ******** ******* (*********) on March 9, 2019, for the purchase of a 2016 ********* ********. NCB purchased this account from ********* on March 28,2022. On March 31, 2022, NCB sent you a letter notifying you that NCB is now the current creditor to whom the debt is owed.

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

A review of our records finds no direct request for the debt validation documents had been received by NCB prior to the receipt of this complaint. In a separate mailing to the address we have on file for you, NCB has provided debt validation documents which include a copy of the signed contract, the deficiency letter, a financial transaction history of the account, and a copy of the bill of sale agreement between NCB and *********.

NCB has updated our reporting to reflect the status of your dispute. Should you have any further concerns, please contact NCB at ************.

Sincerely,

***************************
Chief Compliance Officer
NCB Management Services, Inc.
************
Initial Complaint
08/10/2023
Complaint Type:
Billing Issues
Status:
Answered
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
I am not liable for this debt with NCB management service. I do not have a contract with the collection agency; they did not provide me with the original contract as I requested.
Customer response
09/06/2023
This is my dispute letter I sent back in June and that is why I went to the BBB to file a complaint for a lack of non responsiveness. I would really appreciate if they remove those accounts from my credit report.
Business response
09/26/2023
September 25, 2023

***********************
***************************
Riverview, FL **********

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

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

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

This account was an auto loan originating with ********* ******** ******* (*********) on March 19, 2018, for the purchase of a 2018 ****** ******. This loan agreement has you listed as co-buyer and another individual with whom you shared an address, listed as buyer. NCB purchased this account from Santander on March 28, 2022. On May 3, 2022, NCB sent you a letter notifying you that NCB is now the current creditor to whom the debt is owed.

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

A review of our records finds no direct request for the debt validation documents had been received by NCB prior to the receipt of this complaint. In a separate mailing to the address in your complaint, NCB has provided debt validation documents which include a copy of the signed contract, the deficiency letter, a financial transaction history of the account, and a copy of the bill of sale agreement between NCB and Santander.

NCB has updated our reporting to reflect the status of your dispute. Should you have any further concerns, please contact NCB at ************.

Sincerely,

***************************
Chief Compliance Officer
NCB Management Services, Inc.
************
Initial Complaint
07/24/2023
Complaint Type:
Billing Issues
Status:
Answered
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
I am not liable for this debt with NCB Management Services. I do not have a contract with NCB Management Services, they did not provide me with the original contract as I requested.
Customer response
07/26/2023
I have no knowledge of NCB Management Services. I have no contract with NCB Management Services. I reviewed my consumer report and noticed this account was on my credit report. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have contacted ********, *******, and ********** & asked for them to investigate & remove the unknown account from my consumer report that they are illegally reporting and I requested specifically the alleged original application bearing my signature and they have not been able to provide such proof to me. This is a violation of the Fair Credit Reporting Act, and this disputed item may not appear on my credit report if it cannot be supported by any evidence of proof.
Customer response
07/26/2023
I have recently seen a bunch of accounts and inquiries on my report that are unknown. Attached is a copy of the ID Theft Report listing a few of the accounts and inquiries that are unknown and in the process of being removed due to lack of evidence during the investigation. Again I am not liable for this debt with NCB Management Services nor do I have a contract with NCB Management Services.
Business response
08/09/2023
August 9, 2023

***************************
*****************************
Hampton, GA *****

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

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 January 19, 2022. You may also recognize this as your Upgrade account. NCB purchased this account from *** on July 26, 2022. As a result of the sale, *** gave NCB information needed to verify the debt is valid and owed and assigned to NCB all of its rights related to the debt, including the right to collect and credit report the debt as permitted by law. As discussed in our July 28, 2022, letter,NCB is now the current creditor to whom the debt is owed.

This correspondence is the first identity theft/fraud claim you have communicated directly to NCB. 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 NCB 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 NCB at ************.

Sincerely,

***************************
Chief Compliance Officer
NCB Management Services, Inc.
************
Customer response
08/11/2023
[To assist us in bringing this matter to a close, you must give us a reason why you are rejecting the response. If no reason is received your complaint will be closed as Answered]

Complaint: ********

I am rejecting this response because:
You did not understand me. I clearly mentioned that I do not have a contract with NCB Management Services. I filled a statement for identity report because I have an account on my consumer report showing up in collections belonging to NCB Management Services stating that I owe a collection amount of $3313 to a company that I do not have a contract with. Until I get proof of a contract between myself and NCB Management Services, I want this account removed from my consumer report. Again, I need NCB Management to provide a contract that I have with NCB Management Services.

Regards,

***************************
Business response
08/22/2023
August 21, 2023

***************************
*****************************
Hampton, GA *****

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

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

Thank you for giving NCB Management Services, Inc. (NCB) the opportunity to respond to your concerns. As stated in our original response, the debt at issue is an internet loan originating ******************** (***) on January 19, 2022, also known as your Upgrade account.

You did not ink-sign an agreement to open this account. You applied online and electronically agreed to the terms and conditions for using the account. The loan agreement made you responsible for paying the loan and gave *** the right to collect and credit report the debt as permitted by law. When the loan was not repaid as agreed, *** sold the debt to NCB on July 26, 2022. As a result of that sale, *** gave NCB information needed to verify the debt is valid and owed and assigned to NCB all of its rights related to the debt, including the right to collect and credit report the debt as permitted by law. *** may transfer its rights to NCB without your permission or signature.

The key point is that although you did not originally enter into a contract with NCB, the remaining balance is due to NCB as a result of *** selling your account and assigning its rights to NCB as stated above. NCB is your current creditor to whom the debt is owed.

While you did not specifically state that you were a victim of identity theft in your original complaint, the submission of the *** ID Theft Report you provided assumes your position regarding this debt to mean that you believe it to be fraudulent in nature. As such, NCB completed a thorough investigation which included the documents you provided, the information and documents provided to us by the original creditor, and the information from our own system regarding the status of your account. Additionally, we reached out to the seller and shared the information you provided. The documents we have do not substantiate the allegations of identity theft/fraud concerning this account. On August 11, 2023, NCB provided you a letter advising of the results of our investigation.

On August 3, 2023, NCB provided debt validation documents to the address in your complaint, sufficient to verify the debt is valid and owed. These documents included a copy of the online loan agreement,the truth-in-lending disclosures, a financial transaction history of the account, and a copy of the bill of sale agreement between NCB and CCB. The law requires us to provide sufficient information for you to verify that the debt is owed, and we have met that obligation.

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

Should you have any further concerns, please contact NCB at ************.

Sincerely,

***************************
Chief Compliance Officer
NCB Management Services, Inc.
************
Initial Complaint
07/24/2023
Complaint Type:
Billing Issues
Status:
Answered
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
I am not liable for this debt with ********* and do not have a contract with NCB Management. They did not provide me with the original application like I asked.
Customer response
07/25/2023
These are my investigation Request letters sent to the Bureaus.
Business response
08/08/2023
August 7, 2023

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

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

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

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

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

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

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

NCB has updated our reporting to reflect the status of your dispute. Should you have any further concerns, please contact NCB at ************.

Sincerely,

***************************
Chief Compliance Officer
NCB Management Services, Inc.
************
Customer response
08/09/2023
This account is indeed not complete and accurate and is violating my rights. This is a snapshot of the reporting account, there are several inaccuracies. I did not give this company my written consent to furnish on report. I do not have a contract with them. My rights are being violated across the board. Delete this account immediately! Or I will be force to sue for your negligence to uphold the law.
Initial Complaint
07/16/2023
Complaint Type:
Billing Issues
Status:
Answered
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
I'm not liable for this debt with ****** ******* ***. I do not have a contract with NCB MANAGEMENT SERVICE, they did not provide me with the original contract as I requested.
Business response
07/31/2023
July 31, 2023

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

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

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

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

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

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

NCB has updated our reporting to reflect the status of your dispute. Should you have any further concerns, please contact NCB at ************.

Sincerely,

***************************
Chief Compliance Officer
NCB Management Services, Inc.
************

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