NCB Management Services Inc. CFPB Complaints

2000 Latest Complaints

Date Received	Timely Response	Product	Issue	State / Zip	Submitted Via	Tags
12/22/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NY 11234	Web
Per Cfr 1022.41 and 15 USC 1681 Permissible purposes XXXX XXXX XXXXXXXX {$910.00} is reporting incorrect across all XXXX credit reporting agencies XXXX, XXXX, Equifax.Per 15 USC 1666a -b Reporting ADVERSE credit ratings or standings on my credit report, Timing on Payment the credit reporting agencies can not report utilization to any 3rd party All 3 companies are reporting Utilization which is wrong. A closed account and charged off account can not report any past due Balances. Per 31 CFR 903.5 AND 31 USC 3711 Also a charged off account is income and a certificate of Indebtedness according to the Irs Publication. The credit reporting agencies are not to report income on my credit report. Every month XXXX XXXX XXXXXXXX is reporting C/O charge off on my credit report and that is illegal you can't charge off a debt every month it is re-aging the debt making it look newer than what it is and manipulating the the system. XXXX XXXX XXXXXXXX has violated my privacy numerous of times by selling my information multiples times to 3rd party without my consent. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX and NCB Management Services , Inc. are the two companies XXXX XXXX XXXX has sold my personal information to such as my address, social security number, birthday and name and they are lying about it. XXXX XXXX XXXXXXXX is in violation of my privacy rights Per the Privacy Act of 1974 Also said that under 5 USC 552A your social is not suppose to be given out to anyone. XXXX XXXX XXXXXXXX They also sharing information with another 3rd party /non affiliate which is in violation of my 16 CFR 313.7 Opt-Out notice. XXXX XXXX XXXXXXXX violated my rights as well under 15 USC 6802-6805 They are suppose to send me a opt-out letter every 30 days. I Have the right to opt-out of anything on credit report. Here is a list of laws that XXXX XXXX XXXXXXXX is abusing and violating me as well as all 3 credit reporting agencies XXXX, XXXX and XXXX. 12 CFR 1022.41 ( a ) Accuracy means that information that a furnisher provides to a consumer reporting agency about an account or other relationship with the consumer correctly : ( 1 ) Reflects the terms of and liability for the account or other relationship ; ( 2 ) Reflects the consumer 's performance and other conduct with respect to the account or other relationship ; and ( 3 ) Identifies the appropriate consumer. c ) Furnisher means an entity that furnishes information relating to consumers to one or more consumer reporting agencies for inclusion in a consumer report. An entity is not a furnisher when it : ( 1 ) Provides information to a consumer reporting agency solely to obtain a consumer report in accordance with sections 604 ( a ) and ( f ) of the FCRA ; ( 2 ) Is acting as a consumer reporting agency as defined in section 603 ( f ) of the FCRA ; ( 3 ) Is a consumer to whom the furnished information pertains; or ( 4 ) Is a neighbor, friend, or associate of the consumer, or another individual with whom the consumer is acquainted or who may have knowledge about the consumer, and who provides information about the consumer 's character, general reputation, personal characteristics, or mode of living in response to a specific request from a consumer reporting agency. ( d ) Integrity means that information that a furnisher provides to a consumer reporting agency about an account or other relationship with the consumer : ( 1 ) Is substantiated by the furnisher 's records at the time it is furnished ; ( 2 ) Is furnished in a form and manner that is designed to minimize the likelihood that the information may be incorrectly reflected in a consumer report ; and ( 3 ) Includes the information in the furnisher 's possession about the account or other relationship that the Bureau has : The Privacy Act of 1974 is a federal law that governs our collection and use of records we maintain on you in a system of records. A system of records is any grouping of information about an individual under the control of a Federal agency from which information is retrievable by personal identifiers, such as name, social security number, or other identifying number or symbol. Under the Privacy Act, Federal agencies may not disclose information without consent unless certain exceptions apply to the disclosure. The Privacy Act provides protections to individuals in three primary ways. It provides individuals with : the right to request their records, subject to Privacy Act exemptions ; the right to request a change to their records that are not accurate, relevant, timely or complete ; and the right to be protected against unwarranted invasion of their privacy resulting from the collection, maintenance, use, and disclosure of their personal information. ( b ) CONDITIONS OF DISCLOSURE.No agency shall disclose any record which is contained in a system of records by any means of communica- tion to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains, unless disclosure of the record would be ( 1 ) to those officers and employees of the agency which maintains the record who have a need for the record in the performance of their duties; ( 2 ) required under section 552 of this title ; ( 3 ) for a routine use as defined in subsection ( a ) ( 7 ) of this section and described under sub- section ( e ) ( 4 ) ( D ) of this section ; ( 4 ) to the Bureau of the Census for purposes of planning or carrying out a census or survey or related activity pursuant to the provisions of title 13 ; ( 5 ) to a recipient who has provided the agen- cy with advance adequate written assurance that the record will be used solely as a statis- tical research or reporting record, and the record is to be transferred in a form that is not individually identifiable ; ACCOUNTING OF CERTAIN DISCLOSURES. Each agency, with respect to each system of records under its control, shall ( 1 ) except for disclosures made under sub- sections ( b ) ( 1 ) or ( b ) ( 2 ) of this section, keep an accurate accounting of ( A ) the date, nature, and purpose of each disclosure of a record to any person or to an- other agency made under subsection ( b ) of this section; and ( B ) the name and address of the person or agency to whom the disclosure is made ; ( 2 ) retain the accounting made under para- graph ( 1 ) of this subsection for at least five years or the life of the record, whichever is longer, after the disclosure for which the ac- counting is made ; ( 3 ) except for disclosures made under sub- section ( b ) ( 7 ) of this section, make the ac- counting made under paragraph ( 1 ) of this sub- section available to the individual named in the record at his request; and ( 4 ) inform any person or other agency about any correction or notation of dispute made by the agency in accordance with subsection ( d ) of this section of any record that has been dis- closed to the person or agency if an account- ing of the disclosure was made. ( n ) MAILING LISTS.An individuals name and address may not be sold or rented by an agency unless such action is specifically authorized by law. This provision shall not be construed to re- quire the withholding of names and addresses otherwise permitted to be made public. 31 CFR 29.518 - Reporting delinquent debts to credit bureaus. e ) Privacy Act considerations. A delinquent debt may not be reported under this section unless a notice issued pursuant to the Privacy Act, 5 U.S.C. 552a ( e ) ( 4 ), authorizes the disclosure of information about the debtor to a credit bureau. 15 U.S. Code 6801 - Protection of nonpublic personal information a ) Privacy obligation policy It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customersnonpublic personal information. ( b ) Financial institutions safeguardsIn furtherance of the policy in subsection ( a ), each agency or authority described in section 6805 ( a ) of this title, other than the Bureau of Consumer Financial Protection, shall establish appropriate standards for the financial institutions subject to their jurisdiction relating to administrative, technical, and physical safeguards ( 1 ) to insure the security and confidentiality of customer records and information ; ( 2 ) to protect against any anticipated threats or hazards to the security or integrity of such records ; and ( 3 ) to protect against unauthorized access to or use of such records or information which could result in substantial harm or inconvenience to any customer. 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. Opt out ( 1 ) In generalA financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. ( c ) Limits on reuse of information Except as otherwise provided in this subchapter, a nonaffiliated third party that receives from afinancial institution nonpublic personal information under this section shall not, directly or through anaffiliate of such receiving third party, disclose such information to any other person that is anonaffiliated third party of both the financial institution and such receiving third party, unless such disclosure would be lawful if made directly to such other person by the financial institution. ( d ) Limitations on the sharing of account number information for marketing purposes A financial institution shall not disclose, other than to a consumer reporting agency, an account number or similar form of access number or access code for a credit card account, deposit account, or transaction account of a consumer to any nonaffiliated third party for use in telemarketing, direct mail marketing, or other marketing through electronic mail to the consumer. 15 U.S. Code 6805 Enforcement ( A ) national banks, Federal branches and Federal agencies of foreign banks, and any subsidiaries of such entities ( except brokers, dealers, persons providing insurance, investment companies, and investment advisers ) ; ( B ) member banks of the Federal Reserve System ( other than national banks ), branches and agencies of foreign banks ( other than Federal branches, Federal agencies, and insured State branches of foreign banks ), commercial lending companies owned or controlled by foreign banks, organizations operating under section 25 or 25A of the Federal Reserve Act [ 12 U.S.C. 601 et seq., 611 et seq. ], and bank holding companies and their nonbank subsidiaries oraffiliates ( except brokers, dealers, persons providing insurance, investment companies, and investment advisers ) ; ( C ) 313.7 Form of opt out notice to consumers ; opt out methods. ( a ) ( 1 ) Form of opt out notice. If you are required to provide an opt out notice under 313.10 ( a ), you must provide a clear and conspicuous notice to each of your consumers that accurately explains the right to opt out under that section. The notice must state : ( i ) That you disclose or reserve the right to disclose nonpublic personal information about your consumer to a nonaffiliated third party ; ( ii ) That the consumer has the right to opt out of that disclosure; and ( iii ) A reasonable means by which the consumer may exercise the opt out right. ( e ) Time to comply with opt out. You must comply with a consumer 's opt out direction as soon as reasonably practicable after you receive it. ( f ) Continuing right to opt out. A consumer may exercise the right to opt out at any time. 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. ( C ) No address requirement A person who clearly and conspicuously specifies to the consumer an address for notices referred to in subparagraph ( B ) shall not be subject to subparagraph ( A ) ; however, nothing in subparagraph ( B ) shall require a person to specify such an address. ( D ) Definition For purposes of subparagraph ( A ), the term reasonable cause to believe that the information is inaccurate means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of the information. 15 usc 1681m ( 1 ) In general No person shall sell, transfer for consider- ation, or place for collection a debt that such person has been notified under section 1681c2 of this title has resulted from identity theft. 12 CFR 1022.41 ( a ) Accuracy means that information that a furnisher provides to a consumer reporting agency about an account or other relationship with the consumer correctly : ( 1 ) Reflects the terms of and liability for the account or other relationship ; ( 2 ) Reflects the consumer 's performance and other conduct with respect to the account or other relationship ; and ( 3 ) Identifies the appropriate consumer. ( b ) Direct dispute means a dispute submitted directly to a furnisher ( including a furnisher that is a debt collector ) by a consumer concerning the accuracy of any information contained in a consumer report and pertaining to an account or other relationship that the furnisher has or had with the consumer. ( c ) Furnisher means an entity that furnishes information relating to consumers to one or more consumer reporting agencies for inclusion in a consumer report. An entity is not a furnisher when it : ( 1 ) Provides information to a consumer reporting agency solely to obtain a consumer report in accordance with sections 604 ( a ) and ( f ) of the FCRA ; ( 2 ) Is acting as a consumer reporting agency as defined in section 603 ( f ) of the FCRA ; ( 3 ) Is a consumer to whom the furnished information pertains; or ( 4 ) Is a neighbor, friend, or associate of the consumer, or another individual with whom the consumer is acquainted or who may have knowledge about the consumer, and who provides information about the consumer 's character, general reputation, personal characteristics, or mode of living in response to a specific request from a consumer reporting agency. ( d ) Integrity means that information that a furnisher provides to a consumer reporting agency about an account or other relationship with the consumer : ( 1 ) Is substantiated by the furnisher 's records at the time it is furnished ; ( 2 ) Is furnished in a form and manner that is designed to minimize the likelihood that the information may be incorrectly reflected in a consumer report ; and ( 3 ) Includes the information in the furnisher 's possession about the account or other relationship that the Bureau has : ( i ) Determined that the absence of which would likely be materially misleading in evaluating a consumer 's creditworthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living ; and ( e ) Duty of furnisher after receiving a direct dispute notice. After receiving a dispute notice from a consumer pursuant to paragraphs ( c ) and ( d ) of this section, the furnisher must : ( 1 ) Conduct a reasonable investigation with respect to the disputed information ; ( 2 ) Review all relevant information provided by the consumer with the dispute notice ; ( 3 ) Complete its investigation of the dispute and report the results of the investigation to the consumer before the expiration of the period under section 611 ( a ) ( 1 ) of the FCRA ( 15 U.S.C. 1681i ( a ) ( 1 ) ) within which a consumer reporting agency would be required to complete its action if the consumer had elected to dispute the information under that section; and ( 4 ) If the investigation finds that the information reported was inaccurate, promptly notify each consumer reporting agency to which the furnisher provided inaccurate information of that determination and provide to the consumer reporting agency any correction to that information that is necessary to make the information provided by the furnisher ( b ) Definitions. The following definitions apply to this exemption : 16 CFR 313.1 ( b ) Scope. This part applies only to nonpublic personal information about individuals who obtain financial products or services primarily for personal, family or household purposes from the institutions listed below. This part does not apply to information about companies or about individuals who obtain financial products or services for business, commercial, or agricultural purposes. This part applies to those financial institutions over which the Federal Trade Commission ( Commission ) has rulemaking authority pursuant to section 504 ( a ) ( 1 ) ( C ) of the Gramm-Leach-Bliley Act. An entity is a financial institution if its business is engaging in an activity that is financial in nature or incidental to such financial activities as described in section 4 ( k ) of the Bank Holding Company Act of 1956, 12 U.S.C. 1843 ( k ), which incorporates activities enumerated by the Federal Reserve Board in 12 CFR 225.28 and 225.86. The financial institutions subject to the Commission 's rulemaking authority are any persons described in 12 U.S.C. 5519 that are predominantly engaged in the sale and servicing of motor vehicles, the leasing and servicing of motor vehicles, or both. They are referred to in this part as You. Excluded from the coverage of this part are motor vehicle dealers described in 12 U.S.C. 5519 ( b ) that directly extend to consumers retail credit or retail leases involving motor vehicles in which the contract governing such extension of retail credit or retail leases is not routinely assigned to an unaffiliated third party finance or leasing source. ( m ) ( 1 ) Nonaffiliated third party means any person except : ( i ) Your affiliate; or ( ii ) A person employed jointly by you and any company that is not your affiliate ( but nonaffiliated third partyincludes the other company that jointly employs the person ). ( 2 ) Nonaffiliated third party includes any company that is an affiliate by virtue of your or your affiliate 's direct or indirect ownership or control of the company in conducting merchant banking or investment banking activities of the type described in section 4 ( k ) ( 4 ) ( H ) or insurance company investment activities of the type described in section 4 ( k ) ( 4 ) ( I ) of the Bank Holding Company Act ( 12 U.S.C. 1843 ( k ) ( 4 ) ( H ) and ( I ) ). ( n ) ( 1 ) Nonpublic personal information means : ( i ) Personally identifiable financial information; and ( ii ) Any list, description, or other grouping of consumers ( and publicly available information pertaining to them ) that is derived using any personally identifiable financial information that is not publicly available. Subpart A - Privacy and Opt Out Notices 313.4 Initial privacy notice to consumers required. ( a ) Initial n 15 U.S. Code 6801 - Protection of nonpublic personal information a ) Privacy obligation policy It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customersnonpublic personal information. ( b ) Financial institutions safeguardsIn furtherance of the policy in subsection ( a ), each agency or authority described in section 6805 ( a ) of this title, other than the Bureau of Consumer Financial Protection, shall establish appropriate standards for the financial institutions subject to their jurisdiction relating to administrative, technical, and physical safeguards ( 1 ) to insure the security and con fidentiality of customer records and information ; ( 2 ) to protect against any anticipated threats or hazards to the security or integrity of such records ; and ( 3 ) to protect against unauthorized access to or use of such records or information which could result in substantial harm or inconvenience to any customer.
11/01/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL 33417	Web
NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT 1. This Affidavit of Truth is made pursuant to Fair Credit Reporting Act as codified at 15 U.S. Code 1681 which stipulates that a consumer reporting agency must, if requested, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of. a ) appropriate proof of the identity of the consumer ; b ) a copy of an identity theft report ; c ) the identification of such information by the consumer ; and d ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 2. ) I, a consumer in fact, agree with The Congress Pursuant to 15 U.S. Code 1681 ( a ) ( 1 ) which concluded that the banking system is dependent upon FAIR and ACCURATE credit reporting. Unfair credit reporting methods undermine the confidence of the public, which is essential to the functioning of our banking system. However, you have acted unfair by reporting unverified and inaccurate information without investigating me about the alleged transactions, and only taking one side of the story. That doesnt sound fair. 3. ) I, a consumer in fact, agree with The Congress that your nothing but an elaborate mechanism, developed to discriminate against me, based on the evaluation of my credit worthiness, character, and reputation Pursuant to 15 U.S. Code 1681 ( a ) ( 2 ). Congress is letting me know here that you truly are NOBODY. 4. ) Take Notice that Pursuant to 15 U.S. Code 1681 ( a ) ( 3 ), you have only assumed this vital role to evaluate my consumer report, without having any real authority or consent by the consumer to do so ; 5. ) Pursuant to 15 U.S. Code 1681 ( a ) ( 4 ), you have failed to exercise your grave responsibilities with fairness, impartiality, and a respect for my consumer right to privacy ; 6. ) Pursuant to 15 U.S. Code 1681 ( b ) consumer reporting agencies must adopt reasonable procedures for meeting the needs of commerce. Accuracy is about equity and must be equitable to the consumer. Must be fair on both sides, but you werent acting fair when in your initial investigation, you failed to contact me to ask about the alleged transactions, when I am the only individual with actual first-hand knowledge, but only decided to take one side of the story. Pursuant to The Fair Debt Collections Practices Act, the following proofs of claim are requested : 1. ) Proof of claim : The Alleged Lenders involved in the alleged loans, did not purchase the promissory note from the consumer, hereinafter the Alleged Borrower. If not rebutted, this statement stands as truth 2. ) Proof of claim : The Alleged Borrowers may repay the alleged loan with the same species of money as may be on the loan per GAAP, ending all interest and liens. If not rebutted, this statement stands as truth. A. Proof of claim : The Alleged Lender converted the Alleged Borrowers promissory note, accepting the Alleged Borrowers promissory note as money or like money to fund a check or similar instrument that the Alleged Lender then lent to the Alleged Borrower ( which has an economic effect similar to stealing, counterfeiting, and swindling. ) If not rebutted, this statement stands as truth. B. Proof of claim : The Alleged Lender has failed to follow Federal Laws 12 U.S.C. 1831n ( a ) ( 2 ) ( A ) and/or 12 CFR 741.6 ( b ) regarding General Accepted Accounting Principles and Generally Accepted Auditing Standards concerning this loan. If not rebutted, this statement stands as truth. C. Proof of claim : The Alleged Borrower truly provided the money, transfer of funds money equivalent, credit, funds, capital, or thing of value, and they pursued to securitize it! If not rebutted, this statement stands as truth. Please provide me with the below mentioned items : * The amount you claim the Principal owes you. * IRS Documents such as 1099a, 1099c and any other IRS forms filled out on my behalf without my knowledge. * Full accounting ledger. * All legal documents. * An explanation showing me how you have computed the amount. * Copies of any documents that prove I agreed to pay the alleged amount. * The identity of the original creditor. * Confirmation that the account has not crossed the statute of limitation ( SOL ) period. * Evidence that you are a licensed debt collector. * Evidence of your license numbers and your registered agent. FACTS ON THE MATTER : 1. Fact, I so invoke Nunc pro tunc, Pursuant to 15 U.S.C. 1681a ( c ) declare that I am that I am, the consumer in fact, natural person, creditor, lender, executor, administrator, holder in Due course of any and all derivatives thereof for the surname/given name and have been appointed and accepted being the executor both public & private for all matter proceeding, and I hereby claim that I will autograph as the agent, attorney in fact, and I furthermore Demand that you correct your reporting. 2. Fact, Pursuant Title 15 USC 1681a ( d ) ( 2 ) ( A ) ( I ) - Congress makes it clear that a consumer report should NOT include transactions between the consumer and the person making the report. This alleged transaction that you are reporting, and failed to investigate, whether or not it factually took place, can be categorized as a transaction that took place between the consumer, and the person making the report. Which means it should not be included in my consumer report, and in fact is a VIOLATION of my consumer right. 3. It is a Fact that Pursuant Title 15 USC 1681a ( d ) ( 2 ) ( A ) ( III ) - In your initial investigation I was never given the opportunity to deny this information being communicated on my consumer report. This is in fact another violation. 4. It is a Fact that Pursuant Title 15 USC 1681a ( e ) - The production of an " investigative consumer report '' involves obtaining information about a consumer 's character, reputation, personal characteristics, or lifestyle through personal interviews with their neighbors, friends, associates, or others who may have knowledge of the consumer. This information is used to form a report that provides a comprehensive understanding of the consumer. 5. Fact, I the consumer, original creditor do so extend my open ended credit on file to eliminate any verified debt, all valid debt must be verified and documented on record by wet ink signature, so be it, and ; 6. Fact, that I by this notice and demand declare I have no verified evidence for certified mailings, and again for the record, I have absolutely no knowledge of the alleged debts listed on your website, company records, or any and all derivatives therefore, of, and/or with any affiliates or agencies acting as a real party or a third party interlopers, I again state I have no knowledge of this indirect, unverified, debt, so be it, and ; 7. Fact, I am an eyewitness to the information by allegations against my name being incorrect, and I demand the documented verification of any and all derivatives for an alleged debt for any such debts alleged to be mine the consumer in fact, so be it, and ; 8. I do not know any of the alleged creditors and debt collectors, so be it, and ; 9. I never sat across a table from any of the alleged creditors and debt collectors and never entered into a contract with any receiving a meeting of the minds, so be it, and ; 10. Fact, I know that no valid direct verified contracts exist with me and another party by wet ink signature, I know that any attempt to collect a debt is actually alleged indirect action, please verify and document all verifications, accordingly, so be it, and ; 11. Fact, all allege contracts are completely fraudulent and the attempt to enforce a fraudulent contract is unlawful due to the contract being created through the illegal activity of identity theft and power of attorney fraud, so be it, and Demand that you stop sending me fraudulent bills and ; 12. Fact, my request to block information that is fraudulent, and a result of identity theft was not done in error. 13. Fact, my request to block information was not a material misrepresentation. 14. Fact, I never benefited or obtained goods, services, or money from the alleged transactions. 15. Fact, Pursuant to FCRA 605B & 15 USC 1681 c-2, when a block imposed by a consumer reporting agency is rescinded, any information present in the consumer 's file prior to the block can not be considered as proof of the consumer 's knowledge or expectation of obtaining goods, services, or money due to the block. 16. Fact, please show good faith in this matter by expediting the securing of the alleged information listed on your sight in order to avoid me receiving further injury, damages, mental anguish, and losses due to me being a victim of identity theft, so be it, and ; 17. Fact, In order to ensure a thorough investigation is conducted, it is important to gather as much information as possible from a variety of sources. This includes obtaining full names and addresses of all individuals interviewed, as well as a detailed account of what was said during the interviews. Additionally, it is important to confirm the method used to verify the information obtained during the interviews, as this helps to ensure the accuracy and reliability of the information included in the report. 18. Fact, It is also important to note that the Fair Credit Reporting Act ( FCRA ) regulates the production of consumer reports, including investigative consumer reports. The FCRA sets strict guidelines for the information that can be included in a consumer report, as well as the methods used to obtain that information. Under the FCRA, companies producing consumer reports are required to conduct a reasonable investigation and to provide consumers with a copy of the report if requested. They must also provide the consumer with information about the sources of the information included in the report. 19. Fact, the production of an investigative consumer report requires a thorough investigation to ensure the accuracy and reliability of the information included in the report. The FCRA provides the legal framework for the production of consumer reports and helps to ensure that consumers are protected against the dissemination of inaccurate or incomplete information. 20. Fact, I am sure the removal of my information from your website, company records, or any and all derivatives therefore, of, and/or with any corporate affiliates like XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX to ensure my privacy rights wont be violated again due to my lack of consent and this herein unrebutted affidavit of truth being serviced to you today and therefore, standing as truth in commerce, or I will be compelled to take legal steps against you for the below mentioned reasons ( Violation of the Fair Credit Reporting Act ( F.C.R.A. ) ; Violation of the F.D.C.P.A. ; Defamation of character ; Use of my copyrighted property ), so be it, and ; 21. Fact, I am not a debtor. 22. Fact, A copy of consumer contract is not sufficient evidence to validate a debt. ( Reference- XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX ( XXXX ) ). XXXX. Fact, natural person defined see 15 U.S.C. 1692a ( 3 ) The term consumer means any natural person obligated or allegedly obligated to pay any debt., so be it, and ; 24. Fact, natural person defined see 15 U.S.C. 1692a ( 4 ) The term creditor means any person who offers or extends credit creating a debt or to whom a debt is owed, but such term does not include any person to the extent that he receives an assignment or transfer of a debt in default solely for the purpose of facilitating collection of such debt for another, so be it, and ; 25. It is a fact that Credit is defined in 15 USC 1602 ( f ) as The term credit means the right granted by a creditor to a debtor to defer payment of debt or to incur debt and defer its payment ; 26. Fact, as an executive of a Private U.S. Estate any fractional notes, certificates of deposit, bills, checks, or drafts for money drawn or authorized by my signature as an authorized officer of the United States IS an obligation of the UNITED STATES to settle ; not mine! 27. Fact, that according to the congressional findings in 15 USC 1692 on Abusive Practices it states that There is abundant evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors. Abusive debt collection practices contribute to the number of personal bankruptcies, to marital instability, to the loss of jobs, and to invasions of individual privacy ; I believe that my privacy is being violated by your company, and ; 28. As of XX/XX/XXXX, an amendment to Regulation F, which implements the FDCPA, says that a debt collector can't report a debt to the three major credit reporting agenciesXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, and XXXX XXXX XXXX, before first contacting the consumer ; XXXX. Fact, Actual damages are not capped at { {$1000.00XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX ) XXXX. Fact, If this affidavit is not rebutted point for point by a duly qualified representative of Consumer Reporting Agency at any level, in any manner, at any time within ( 5 ) five days upon receipt, these facts are proven and confirmed as true. I hereby Demand! That you BLOCK AND REMOVE the following accounts from my consumer file. ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ) Take further notice that your failure to follow these laws and meet my demands will result in holding your company civilly and criminally liable and invoking specified remedies under Title 15 including but not limited to FCRA violations, TILA violations, FDCPA violations, and I will seek reimbursement for all my damages. Any man or woman responding to this affidavit will answer in the manner of this affidavit, using your employee information or family name for signature, and mailing it to the below named notary, address provided, within five ( 5 ) days, or default will be obtained. If more time is needed to respond to this request, it must be requested in writing within five ( 5 ) days of receipt. MAXIMS OF LAW 1. In Commerce- Truth is sovereign. 2. For a matter to be resolved, it must be expressed. 3. Point of Law : Silence equates to an agreement. Further Affiant sayeth not. TERMS DEFINED PURSUANT TO 15 U.S. CODE 1681a 1. The term consumer means an individual. 2. The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility 3. The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer when such information was obtained directly from a creditor of the consumer or from the consumer. 4. The term consumer reporting agency means any person which, for monetary fees, dues, or on a cooperative nonprofit basis, regularly engages in whole or in part in the practice of assembling or evaluating consumer credit information or other information on consumers for the purpose of furnishing consumer reports to third parties, and which uses any means or facility of interstate commerce for the purpose of preparing or furnishing consumer reports. 5. The term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity. You have 4 business days from the receipt of this notice to block and remove all fraudulent items and remarks from my consumer file or I may seek damages Pursuant to 15 U.S. Code 1681m. Additionally, I DO NOT consent to any automated scan response oXXXX XXXX XXXX XXXXXXXX methods. CERTIFICATION I certify under penalty of perjury under the laws of the United States of America pursuant to 28 USC 1746 ( 1 ) that the foregoing is true and correct.
01/05/2023	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	CA 92544	Web
The first initial letter that I sent to XXXX XXXX XXXX was on XX/XX/XXXX ( certified mail receipt proof XXXX ), which required correspondence from XXXX XXXX XXXX. Although, I did not receive anything in return. I sent another letter by regular mail to XXXX XXXX XXXX on XX/XX/XXXX, asking for an update regarding my initial letter for vin # XXXX, but nothing in return. Although, I noticed that XXXX XXXX XXXX violated my privacy and gave my information to an unknown party known as NCB Management Services Incorporated. As this transition occurred, I have never got any legal paperwork from XXXX XXXX XXXX showing the information I had initially requested on XX/XX/XXXX. Including " NCB Management Services Incorporated '' does not show up on my credit report ( screenshot attached- Unlawful reporting from all parties involved in this matter )! I sent a letter to XXXX XXXX XXXX and NCB Management Services Incorporated by regular mail. About XXXX XXXX later I get a letter in the mail dated XX/XX/XXXX, from NCB Management Services Incorporated indicating a Settlement offer for acct # XXXX balance of {$12000.00} with an offer to settle " the account '' for {$5100.00} ( Letter- proof XXXX ). In the box area shows that the communication is from a debt collector with a XXXX license number pending and no other paperwork to show XXXX regulations, validation, or business agreement. Again, trying to protect my identity and my rights I sent a letter to XXXX XXXX XXXX, NCB Management Services Incorporated, and XXXX ( certified mail receipt- proof XXXX ) which was on XX/XX/XXXX. It is now XX/XX/XXXX, and no legitimate paperwork from XXXX XXXX XXXX or XXXX ( who has been reporting invalid information on my credit report and wrong personal information- yet has not fixed it ). Today, XX/XX/XXXX, I got a response from NCB Management Services Incorporated enclosing documentation regarding " acct # XXXX. '' This correspondence shows that communication is from a third party as shown, a debt collector and not from XXXX XXXX XXXX directly. XXXX XXXX XXXX XXXX AND " XXXX XXXX XXXX '' failed to provide the information ( AGAIN ) required from vin # XXXX and legitimate information as indicated in the letter ( XXXX ). The procedure and proof from NCB Management Services Incorporated show CFPB the violations of commercial code ( XXXX ) : Count I- XXXX ( a ) A financing statement substantially satisfying the requirements of this part is effective, even if it has minor errors or omissions, unless the errors or omissions make the financing statement seriously misleading. ( b ) Except as otherwise provided in subdivision ( c ), a financing statement that fails sufficiently to provide the name of the debtor in accordance with subdivision ( a ) of Section XXXX is seriously misleading. ( c ) If a search of the records of the filing office under the debtors correct name, using the filing offices standard search logic, if any, would disclose a financing statement that fails sufficiently to provide the name of the debtor in accordance with subdivision ( a ) of Section XXXX, the name provided does not make the financing statement seriously misleading. ( d ) For purposes of subdivision ( b ) of Section XXXX, the debtors correct name in subdivision ( c ) means the correct name of the new debtor. ( Repealed and added by Stats. XXXX, XXXX. XXXX, Sec. XXXX. Effective XX/XX/XXXX. XXXX XX/XX/XXXX, by Sec. XXXX of XXXX. XXXX and XXXX XXXX. ) XXXX XXXX XXXX ( a ) In this section, notification date means the earlier of the date on which : ( XXXX ) A secured party sends to the debtor and any secondary obligor an authenticated notification of disposition. ( XXXX ) The debtor and any secondary obligor waive the right to notification. ( b ) Except as otherwise provided in subdivision ( d ), a secured party that disposes of collateral under Section XXXX shall send to the persons specified in subdivision ( c ) a reasonable authenticated notification of disposition. ( c ) To comply with subdivision ( b ), the secured party shall send an authenticated notification of disposition to all of the following persons : ( XXXX ) The debtor. ( XXXX ) Any secondary obligor. ( XXXX ) If the collateral is other than consumer goods to both of the following persons : ( A ) Any other person from which the secured party has received, before the notification date, an authenticated notification of a claim of an interest in the collateral. ( B ) Any other secured party or lienholder that, XXXX XXXX before the notification date, held a security interest in or other lien on the collateral perfected by the filing of a financing statement with respect to which all of the following apply : ( i ) It identified the collateral. ( ii ) It was indexed under the debtors name as of that date. ( iii ) It was filed in the office in which to file a financing statement against the debtor covering the collateral as of that date. ( C ) Any other secured party that, XXXX XXXX before the notification date, held a security interest in the collateral perfected by compliance with a statute, regulation, or treaty described in subdivision ( a ) of Section XXXX. ( d ) Subdivision ( b ) does not apply if the collateral is perishable or threatens to decline speedily in value or is of a type customarily sold on a recognized market. ( XXXX ) A secured party complies with the requirement for notification prescribed in subparagraph ( B ) of paragraph ( XXXX ) of subsection ( c ) if it satisfies both of the following conditions : ( XXXX ) Not later than XXXX XXXX or earlier than XXXX XXXX before the notification date, the secured party requests, in a commercially reasonable manner, information concerning financing statements indexed under the debtors name in the office indicated in subparagraph ( B ) of paragraph ( XXXX ) of subdivision ( c ). ( XXXX ) Before the notification date, the secured party either : ( A ) Did not receive a response to the request for information. ( B ) Received a response to the request for information and sent an authenticated notification of disposition to each secured party or other lienholder named in that response whose financing statement covered the collateral. ( Amended ( as to be added by Stats. XXXX, XXXX. XXXX ) by Stats. XXXX, XXXX. XXXX, Sec. XXXX. Effective XX/XX/XXXX. Addition and amendment operative XX/XX/XXXX, by Stats. XXXX, XXXX. XXXX, Sec. XXXX, and Stats. XXXX, XXXX. XXXX, XXXX XXXX XXXX XXXX ( a ) Except as otherwise provided in subdivision ( b ), whether a notification is sent within a reasonable time is a question of fact. ( b ) In a transaction other than a consumer transaction, a notification of disposition sent after default and XXXX XXXX or more before the earliest time of disposition set forth in the notification is sent within a reasonable time before the disposition. ( Added by Stats. XXXX, XXXX. XXXX, Sec. XXXX. Effective XX/XX/XXXX. XXXX XX/XX/XXXX, by Sec. XXXX of XXXX. XXXX and XXXX XXXX. ) XXXX XXXX XXXX Except in a consumer-goods transaction, the following rules apply : ( XXXX ) The contents of a notification of disposition are sufficient if the notification does all of the following : ( A ) It describes the debtor and the secured party. ( B ) It describes the collateral that is the subject of the intended disposition. ( C ) It states the method of intended disposition. ( D ) It states that the debtor is entitled to an accounting of the unpaid indebtedness and states the charge, if any, for an accounting. ( XXXX ) It states the time and place of a public disposition or the time after which any other disposition is to be made. ( XXXX ) Whether the contents of a notification that lacks any of the information specified in paragraph ( XXXX ) are nevertheless sufficient is a question of fact. ( XXXX ) The contents of a notification providing substantially the information specified in paragraph ( XXXX ) are sufficient, even if the notification includes either of the following : ( A ) Information not specified by that paragraph. ( B ) Minor errors that are not seriously misleading. ( XXXX ) A particular phrasing of the notification is not required. ( XXXX ) The following form of notification and the form appearing in subdivision ( XXXX ) of Section XXXX, when completed, each provides sufficient information : NOTIFICATION OF DISPOSITION OF COLLATERAL To : [ Name of debtor, obligor, or other person to which the notification is sent ] From : [ Name, address, and telephone number of secured party ] Name of Debtor ( XXXX ) : [ Include only if debtor ( XXXX ) are not an addressee ] [ For a public disposition : ] We will sell [ or lease or license, as applicable ] the _____ [ describe collateral ] _____ [ to the highest qualified bidder in public as follows : ] Day and Date : Time : Place : [ For a private disposition : ] We will sell [ or license, as applicable ] the _____ ( describe collateral ) _____ privately sometime after _____ [ day and date ] _____. You are entitled to an accounting of the unpaid indebtedness secured by the property that we intend to sell [ or lease or license, as applicable ] [ for a charge of $ XXXX ]. You may request an accounting by calling us at. [ telephone number ] ( Amended ( as to be added by Stats. XXXX, XXXX. XXXX ), by Stats. XXXX, XXXX. XXXX, Sec. XXXX. Effective XX/XX/XXXX. Addition and amendment operative XX/XX/XXXX, by Stats. XXXX, XXXX. XXXX, Sec. XXXX, and Stats. XXXX, XXXX. XXXX, Sec. XXXX. ) Overall, my letter ( XXXX ) it has shown that they are OBLIGATED to provide me with all proper copies from XXXX and steps XXXX to XXXX : XXXX. All legal notices XXXX. Proof of the commercially reasonable manner of the notification XXXX. Verified resale of the subject vehicle vin # # XXXX However- no valid proof was ever given to me just incoherent information. It was noted that all parties had XXXX XXXX from receipt of their certified mail notice. Yet, the response from NCB Management Services Incorporated paperwork received on XX/XX/XXXX, is null and invalid. The reporting from XXXX XXXX XXXX or NCB Management Services Incorporated is an invalid claim and will be considered a violation of the Fair Debt Collection Practice Act and Fair Credit Reporting Act. If this matter is not solved properly throughout CFPB I will seek further damages against all parties under federal and state laws involved in this matter for not taking appropriate actions.
06/22/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	FL 325XX	Web
This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. An alleged court order is NOT a VALIDATION OF DEBT [ Spears v. Brennan 745 N.E.2d 862 ( Ind.App. 2001 ) ]. I XXXX XXXX demand that your offices provide me with competent evidence that I have any legal obligation to pay you. VALIDATION OF UNDERTAKING YOU MUST PRODUCE THE ORIGINAL CONTRACT ( for Inspection ) EXTENDING CREDIT TO YOUR NAME, FRONT AND BACK PAGES, WITH MY ORIGINAL WET INK SIGNATURE ( certified copies ) IN RESPECT TO THE ALLEGED CONTRACT AND STATE FOR THE RECORD WHO THE ALLEGED ORIGINAL CREDITOR WAS OR CURRENT HOLDER OF ORIGINAL CONTRACT IS BASED ON THE PRECEEDING LAW PROOF OF A VALID COURT ORDER BY PROVIDING THE NAME OF THE ISSUING JUDICIAL OFFICER PURSUANT TO CORAM NON JUDICE FEDERAL RULE 60 ( B ) ( 4 ). NON-JUDICIAL PERSON NOT A JUDGE OR CORAM NON-JUDICE IS VOID FOR LACK OF DUE PROCESS. JUDGMENTS CORAM NON JUDICE ARE VOID AND MUST BE VOIDED BY THIS COURT UNDER EQUAL PROTECTION OF LAW UNDER 14TH AMENDMENT. [ The proposition that the judgment of a court lacking jurisdiction is void traces back to the English Year Books, see Bowser v. Collins, Y. B. Mich. 22 Edw. IV, f. 30, pl. 11, 145 Eng. Rep. 97 ( Ex. Ch. 1482 ), and was made settled law by Lord Coke in Case of the Marshalsea, 10 Coke Rep. 68b, 77a, 77 Eng. Rep. 1027, 1041 ( K. B. 1612 ). Traditionally that proposition was embodied in the phrase coram non judice, " before a person not a judge '' meaning, in effect, that the proceeding in question was not a judicial proceeding because lawful judicial authority was not present, and could therefore not yield a judgment.American courts invalidated, or denied recognition to, judgments that violatedthis common-law principle long before the Fourteenth Amendment was adopted. See, e. g., Grumon v. Raymond, 1 Conn. 40 ( 1814 ) ; Picquet v. Swan, 19 F. Cas. 609 ( No. 11,134 ) ( CC Mass. 1828 ) ; Dunn v. Dunn, 4 Paige 425 ( N. Y. Ch. 1834 ) ; Evans v. Instine, 7 Ohio 273 ( 1835 ) ; Steel v. Smith, 7 Watts & Serg. 447 ( Pa. 1844 ) ; Boswell 's Lessee v. Otis, 9 How. 336, 350 ( 1850 ). In Pennoyer v. Neff, 95 U. S. 714, 732 ( 1878 ), we announced that the judgment of a court lacking personal jurisdiction violated the Due Process Clause of the Fourteenth Amendment as well. Burnham v. Superior Court of Cal. , County of XXXX , 495 US 604 - Supreme Court 1990 ] NAME OF CLERK WHO SIGNED AND ENTERED COURT ORDERED MONEY JUDGMENT AS REQUIRED BY 28 USC SECTION 1691 [ A DEPUTY CLERK IS NOT A JUDICIAL SIGNATURE AND ANY DOCUMENT SIGNED BY DEPUTY CLERK IS VOID FOR NOT COMPLYING WITH LAW UNDER UNITED STATES CODE UNDER 28 USC SECTION 1691 PURSUANT -Scanbe Mfg. Co. v. Tryon, 400 F.2d 598 hn. 1 9th Cir. 1968ams/css/child_support_glossary.pdf FURTHER, THIS ENTITY CAN NOT RELY UPON A CLAIM THAT A COURT ORDER IS ORDERING YOUR NAME TO PAY AN ALLEGED DEBT UNLESS THIS COURT ORDER IS A COMPLETED SEAL OF TESTE PROCESS IN ACCORDANCE WITH 28 USC SECTION 1691 WHICH READS All writs and process issuing from a court of the United States shall be under the seal of the court and signed by the clerk thereof. FURTHER THE COURTS HAVE HELD THAT ANY WRIT COMING FROM A COURT MUST HAVE A JUDICIAL SIGNATURE OR IT IS VOID FOR LACK OF JUDICIAL SIGNATURE. [ Scanbe Mfg. Co. v. Tryon, 400 F.2d 598 " the injunction signed only by a deputy clerk of the District Court is void '' for want of a judicial signature. Section 1691 of Title 28, U.S.C. ] PROOF OF A MONEY JUDGMENT WITH CLERKS OFFICE AS REQUIRED BY CCP SECTION 1250.150 The plaintiff, at the time of the commencement of the proceeding, shall record a notice of the pendency of the proceeding in the office of the county recorder of any county in which property described in the complaint is located. A copy of the notice shall be served with the summons and complaint. - See more at : XXXX XXXX XXXX # XXXX ALL LAWS PROTECTING EMPLOYEE ( S ) FROM LAWSUITS ARE UNDER PRESUMPTION THE EMPLOYEE ( S ) ARE COMPLYING WITH THE UNITED STATES CONSTITUTION WHEREBY ANY ACTION IN VIOLATION REMOVES QUALIFIED OR JUDICIAL IMMUNITY UNDER A UNITED STATE SUPREME COURT DECISION SCHEURER V RHODES [ Scheuer v. Rhodes, 416 U.S. 232 ( 1974 ) when a state officer acts under a state law in a manner violative of the Federal Constitution, he comes into conflict with the superior authority of that Constitution, and he is in that case stripped of his official or representative character and is subjected in his person to the consequences of his individual conduct. The State has no power to impart to him any immunity from responsibility to the supreme authority of the United States. ] CREDITOR/DEBT COLLECTOR DECLARATION Please provide the following : 1. Discovery of Evidence Discovery of original undertaking that bears the wet ink signature of the alleged debtor promising to pay the original creditor. 2. Discovery of Evidence Discovery of true copy of legally enforceable court order containing judicial signatures in accordan ce with FEDERAL RULE 60 ( B ) ( 4 ) and 28 USC Section 1691 for without a court order for without a complete court order money judgment this is an alleged debt under FDCPA requiring VALIDATION when commanded to validate debt or SEIZE ALL COLLECTION METHODS. 3. Discovery of Evidence Discovery of the Money Judgment recorded and entered with County Clerk in accordance with California Code of Civil Procedure Section 1250.150. 4. Discovery of Evidence Discovery of a true copy of a Writ of Execution and Writ ofGarnishment issued by court of competent jurisdiction and recorded and entered with a County Clerk in accordance with California Code of Civil Procedure Section 1250.150. 5. Discovery of Evidence The undersigned demands Discovery of a true copy of an alleged court order or writ of execution authorizing this office/collection organization to issue an income withholding order for wage garnishment. Please refrain from referring the undersigned to the court of issuance or clerk of the court. 6. Discovery of Evidence Agreement with your client that grants you the authority to collect on this alleged debt. 7. Discovery of Evidence Discovery of name and address of original alleged creditor. 8. Discovery of Evidence Discovery of Any Judgments obtained by any creditor regarding this account. 9. Discovery of Evidence Discovery of name on file of alleged debtor. 10. Discovery of Evidence Discovery of address on file for alleged debtor. 11. Discovery of Evidence Discovery of alleged account number. 12. Discovery of Evidence Discovery of amount of alleged debt. 13. Discovery of Evidence Discovery of da te this alleged debt became payable. 14. Discovery of Evidence Discovery of date of original charge off or delinquency. 15. Discovery of Evidence Discovery of Any insurance claims been made by any creditor regarding this account. 16. Discovery of Evidence Discovery of VALIDATION that this debt was assigned or sold to collector. 17. Discovery of Evidence Discovery of complete accounting of alleged debt. 18. Discovery of Evidence Discovery of commission for this office/debt collector if collection efforts are successful and if such commission has been added to the alleged debt . 19. Discovery of Evidence Discovery of VALIDATION that your collection practices are legally in accordance with California Code of Civil Procedure Section 337.2. 20. Discovery of Evidence Provide a state ment certifying that you did not breach any federal state contractual commercial or official oath or laws in carrying out the alleged contract and associated transactions. 21. Discovery of Evidence Certify that you did not unlawfully without my consent use my signature to materially alter, falsely endorse, stamp or convert any contract bearing my name or signature, into a security, in order to convert my contract into assets, or gain assets from a third party. You MUST Certify and prove that you are an actual LENDER and that you did not commit any action that would preclude that you used my identity in a fraudulent or illegal manner in Violation of Law and ( FEDERAL TRADE COMMISSION ( FTC ) Policy, yourself or in collusion with a third party or additional parties. You are bound by law to provide this information upon a request pursuant to FOIA USC 5section 552 and the Fair Debt Collections Practices Act along with the aforementioned laws. Please provide the name and address of the bonding agent for COLLECTIONAGENCY in case legal action becomes necessary. Your claim can not and WILL NOT be considered if any portion of the above is not completed and returned with copies of all requested documents. This is a request for VALIDATION made pursuant to the Fair Debt Collection Practices Act 15 USC 1692g Sec. 809 ( b ) of the FDCPA. If your offices are able to provide the proper documentation as requested in the following declaration, I will require 30 days to investigate this information and during such time all collection activity must cease and desist. At this time I will also inform you that if your offices have or continue to report invalidated information on my credit report, this action will constitute fraud, forgery, perjury, and extortionunder both federal and state laws. Due to this fact, if any negative mark is found or continues to report on any of my credit reports by CORPORATION/COMPANY NAME or the company you represent, I will pursue legal actions against you and your client for the following : Fraud, Forgery, Perjury, Extortion, Violation of the Fair Debt Collection Practices Act and Defamation of Character. If your offices fail to respond to this VALIDATION request within 30 days from the date of your receipt, THIS UNVALID NEGATIVE ACCOUNT MUST BE REMOVED IMMEDIATELY, andall references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. Please refrain from responding in excessive legalese or any attorney stalling practices by objecting to fairly simple requests alleging the receiver of the VALIDATION OF DEBT does not understand. This is a very easy process of discovery, whereby the undersigned is simply seeking discovery of evidence and disclosure of this organizations policy with regard to the collection of an alleged debt to ascertain if rights guaranteed by the US Constitution Bill of Rights were violated. Best Regards, XXXX XXXX
09/04/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NJ 07087	Web
This company has violated my consumer rights and has defamed my character by attempting to collect an alleged debt and reporting it to consumer reporting agencies. The following are the federal laws that they broke. 3-203. TRANSFER OF INSTRUMENT ; RIGHTS ACQUIRED BY TRANSFER. Primary tabs ( a ) An instrument is transferred when it is delivered by a person other than its issuer for the purpose of giving to the person receiving delivery the right to enforce the instrument. ( b ) Transfer of an instrument, whether or not the transfer is a negotiation, vests in the transferee any right of the transferor to enforce the instrument, including any right as a holder in due course, but the transferee can not acquire rights of a holder in due course by a transfer, directly or indirectly, from a holder in due course if the transferee engaged in fraud or illegality affecting the instrument. ( c ) Unless otherwise agreed, if an instrument is transferred for value and the transferee does not become a holder because of lack of indorsement by the transferor, the transferee has a specifically enforceable right to the unqualified indorsement of the transferor, but negotiation of the instrument does not occur until the indorsement is made. ( d ) If a transferor purports to transfer less than the entire instrument, negotiation of the instrument does not occur. The transferee obtains no rights under this Article and has only the rights of a partial assignee 1006.34 Notice for validation of debts. ( c ) Validation information. Pursuant to paragraph ( a ) ( 1 ) of this section, a debt collector must provide the following validation information. ( 1 ) Debt collector communication disclosure. The statement required by 1006.18 ( e ). ( 2 ) Information about the debt. Except as provided in paragraph ( c ) ( 5 ) of this section : ( i ) The debt collector 's name and the mailing address at which the debt collector accepts disputes and requests for original-creditor information. ( ii ) The consumer 's name and mailing address. ( iii ) If the debt collector is collecting a debt related to a consumer financial product or service as defined in 1006.2 ( f ), the name of the creditor to whom the debt was owed on the itemization date. ( iv ) The account number, if any, associated with the debt on the itemization date, or a truncated version of that number. ( v ) The name of the creditor to whom the debt currently is owed. ( vi ) The itemization date. ( vii ) The amount of the debt on the itemization date. ( viii ) An itemization of the current amount of the debt reflecting interest, fees, payments, and credits since the itemization date. A debt collector may disclose the itemization on a separate page provided in the same communicati on with a validation notice, if the debt collector includes on the validation notice, where the itemization would have appeared, a statement referring to that separate page. ( ix ) The current amount of the debt. 1006.14 Harassing, oppressive, or abusive conduct. ( a ) In general. A debt collector must not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt, including, but not limited to, the conduct described in paragraphs ( b ) through ( h ) of this section. ( b ) Repeated or continuous telephone calls or telephone conversations ( 1 ) In general. In connection with the collection of a debt, a debt collector must not place telephone calls or engage any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number. 1006.18 False, deceptive, or misleading representations or means. ( a ) In general. A debt collector must not use any false, deceptive, or misleading representation or means in connection with the collection of any debt, including, but not limited to, the conduct described in paragraphs ( b ) through ( d ) of this section. ( b ) False, deceptive, or misleading representations. ( 1 ) A debt collector must not falsely represent or imply that : ( i ) The debt collector is vouched for, bonded by, or affiliated with the United States or any State, including through the use of any badge, uniform, or facsimile thereof. ( ii ) The debt collector operates or is employed by a consumer reporting agency, as defined by section 603 ( f ) of the Fair Credit Reporting Act ( 15 U.S.C. 1681a ( f ) ). ( iii ) Any individual is an attorney or that any communication is from an attorney. ( iv ) The consumer committed any crime or other conduct in order to disgrace the consumer. ( v ) A sale, referral, or other transfer of any interest in a debt causes or will cause the consumer to : ( A ) Lose any claim or defense to payment of the debt ; or ( B ) Become subject to any practice prohibited by this part. ( vi ) Accounts have been turned over to innocent purchasers for value. ( vii ) Documents are legal process. ( viii ) Documents are not legal process forms or do not require action by the consumer. ( 2 ) A debt collector must not falsely represent : ( i ) The character, amount, or legal status of any debt. ( ii ) Any services rendered, or compensation that may be lawfully received, by any debt collector for the collection of a debt. 1006.22 Unfair or unconscionable means. ( a ) In general. A debt collector must not use unfair or unconscionable means to collect or attempt to collect any debt, including, but not limited to, the conduct described in paragraphs ( b ) through ( f ) of this section. ( b ) Collection of unauthorized amounts. A debt collector must not collect any amount unless such amount is expressly authorized by the agreement creating the debt or permitted by law. For purposes of this paragraph, the term any amount includes any interest, fee, charge, or expense incidental to the principal obligation. 1006.30 Other prohibited practices. ( a ) Required actions prior to furnishing information ( 1 ) In general. Except as provided in paragraph ( a ) ( 2 ) of this section, a debt collector must not furnish to a consumer reporting agency, as defined in section 603 ( f ) of the Fair Credit Reporting Act ( 15 U.S.C. 1681a ( f ) ), information about a debt before the debt collector : ( i ) Speaks to the consumer about the debt in person or by telephone ; or ( ii ) Places a letter in the mail or sends an electronic message to the consumer about the debt and waits a reasonable period of time to receive a notice of undeliverability. During the reasonable period, the debt collector must permit receipt of, and monitor for, notifications of undeliverability from communications providers. If the debt collector receives such a notification during the reasonable period, the debt collector must not furnish information about the debt to a consumer reporting agency until the debt collector otherwise satisfies this paragraph ( a ) ( 1 ). 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 5 U.S. Code 552a - Records maintained on individuals
07/31/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 34472	Web
I received an email from my credit monitoring service that informed me that my credit profile was adversely impacted. I found that NCB MANAGEMENT SERVICE had illegally posted an alleged collection account to my credit report. I have never started nor an opened account with this company. My report shows that NCB MANAGEMENT SERVICE open account was opened on XX/XX/2022 with a balance of {$1700.00}. By federal law, a debt collector is supposed to make contact with an alleged debtor and give them 30 days to validate or dispute before they move forward with collection attempts. I never received a letter in the mail that gave me 30 days to validate or dispute this account. I never received a letter stating that I have an alleged debt with this company and owe a balance on that account. I, a consumer defined under 15 USC 1692a ( 3 ), understand that, under the FDCPA guidelines for collection agencies, they have to provide ( 1 ) legitimate proof that they are the original holder of this debt and can legally hold me responsible for paying this debt and ( 2 ) contractual proof of obligation or an assignment SIGNED from an officer from the original creditors corporation that I am supposed to pay them. 15 USC 1692g Sec. 809 ( b ) of the Fair Debt Collection Practices Act ( FDCPA ) grants me the right as a consumer to request validation of this alleged debt they say I owe. I fully understand 1692g. Validation of debts ( a ) Notice of debt ; that states within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumer 's written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor. ( b ) Disputed debts - If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) of this section that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. ( c ) Admission of liability - The failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer. I never received a notice of right to dispute nor did I receive any information to verify that the alleged debt with this company belonged to me. If I would have gotten anything in the mail from this company before they illegally reported to my credit report, I would have respectfully requested evidence that I am the person they are asking to pay this debt and a contractual obligation that legally binds me to pay them this debt. Upon them receiving my validation letter by certified mail with return receipt, they would have to legally cease from collection calls, letters, and efforts and delete the account from my credit reports until they can validate this debt. But again, I never received such a letter about this account ever in the mail because it was never sent. In order for them to prove that I received it properly, the proper letter should have been mailed certified mail with return receipt or by some form of proof of tracking that would require my signature. And if the company did mail anything to me, where is the legal proof of tracking or my signature stating that I received it? Where is the return receipt or postage signature showing that I received it and signed for it? But again, I never received any sort of mail or package. They have illegally posted and reported to my credit file without adhering to the FDCPA laws. Im not sure if this company is a scam, but I know that this company has broken FCRA and FDCPA laws by reporting an alleged account to my credit report without informing me through mail and I did not receive notice of right to dispute nor did I receive any information to verify that the alleged debt belonged to me. My credit has dropped tremendously in the middle of making a major purchase. Please help me get this account removed immediately. As a consumer, Im publicly publishing this descriptive complaint on www.consumerfinance.gov so that others can learn from my experience and so that this government agency can use this information to help work with other violations and complaints from consumers regarding this company. Under 12 CFR Part 1006 and as a consumer defined under 15 USC 1692a ( 3 ), I'm also preparing to sue under the FCRA and FDCPA because of the numerous consumer law violations committed by this company, damages to my credit and opportunity costs with making a major purchase, and business ventures that must be delayed until this illegal account is removed. It should not be my responsibility to submit proof that this debt does not belong to me. It is the responsibility of the debt collector to submit proof that they can legally collect on the alleged debt, legally report to the credit agencies, and follow all FCRA and FDCPA. As of this date, they have failed to do so. NCB MANAGEMENT SERVI XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX
07/31/2017	Yes	Debt collection Payday loan debt	False statements or representation Attempted to collect wrong amount	CA 937XX	Web
I have sent this collection agency several correspondences which included a cease and desist / request for specific communication as well as a request to validate ( not verify ) the collection agency 's attempt to collect the debt. This letter was sent on XXXX XXXX, 2017 and received by the collection agency on XXXX XXXX, 2017 at XXXX XXXX. The company has placed themselves on my credit consumer reports with XXXX, XXXX, and XXXX and are in violation of my consumer rights for failing to adequately respond to my written correspondences as referenced above ( specifically referencing the validation letter ). The USPS certified mail written correspondence that was sent is cited below : To Whom It May Concern, I am responding to your contact about collecting a debt. Be advised, this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( B ) that your claim is disputed and validation is requested. This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your office provide me with competent evidence that I have any legal obligation to pay you. Please provide me with the following : Name and mailing address of the original creditor, the amount owed, what the debt is for ; Via an invoice including dates, explain and show me how debt has been calculated ; Provide me with copies of agreement contract that show I have agreed to pay your company apart from the original creditor, with highlighted verbiage, provisions, and/or clauses to support these claims ; Provide evidence the Statute of Limitations has not expired on this account ; Show me that your company is licensed to collect in my state ; and Provide me with your license numbers and are a Registered Agent. Provide a verification or copy of any judgments or lawsuits if applicable ; If your offices have reported invalidated information to any of the three major Credit Bureau 's ( XXXX, XXXX or XXXX ), said action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent I will not hesitate in bringing legal action against you for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character If your offices are able to provide the proper documentation as requested, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist. Additionally during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel. This includes any information to a credit reporting repository that could be inaccurate or invalidated or verifying an account as accurate when in fact there is no provided proof that it is. If your offices fail to respond or fails to provide all-inclusive documentation as specifically requested by this validation request within 30 days from the date of receipt, all references to this account must be deleted and completely removed from my credit files and a copy of such deletion request shall be sent to me immediately. This is an attempt to correct your records ; any information obtained shall be used for that purpose. The company has failed to provide appropriate documentation and has only verified the debt by sending the original contract with the originating company ( which does NOT disclose any obligation to the collection agency disputed ) and itemized calculations of the debt with the original creditor. I have not elected to enter into a contract with this company, I have not signed any contracts with this company, the company has failed to provide proof of their legal obligation or right to collect on the debt from me after having been sold the debt by the original creditor who has now claimed the debt as a tax write off. They have not complied with the request sent, the collection agency has failed to provide 5 out of 7 of the provisions requested, and therefore their continued collection practices as well as placement on my consumer credit report with XXXX, XXXX and XXXX are invalid and in violation of my consumer rights. The correspondence sent was NOT to request verification, but rather validation of the agencys right to collect the debt, and this was not provided to me. Per my written correspondence the agency must adhere to the following, If your offices fail to respond or fails to provide all-inclusive documentation as specifically requested by this validation request within 30 days from the date of receipt, all references to this account must be deleted and completely removed from my credit files and a copy of such deletion request shall be sent to me immediately. The collection agency must immediately comply with my request to delete the account referenced and remove themselves from any and all of my consumer credit reports as they have violated my consumer rights and are practicing out of compliance.
11/08/2017	Yes	Debt collection Auto debt	Written notification about debt Didn't receive enough information to verify debt	NY 105XX	Web
Sometime in XX/XX/XXXX I was not able to get a mortgage loan because NCB a collection agency was reporting derogatory information to the credit bureaus about me, now I have no idea who this company was or is, so I figured it must be place on my credit report accidentally by the credit bureaus, so on XX/XX/XXXX I sent a dispute letter to the credit bureaus XXXX and XXXX and they responded in early XX/XX/XXXX stating that NCB verified that the account was reporting accurately. I have attach a copy of the credit report with NCB Reporting the derogatory information On XX/XX/XXXX I sent a detailed letter directly to NCB requesting : ( 1 ). Copy of the contract or assignment of contract with my signature if coming from a different creditor ( 2 ) Proof of license or bond giving them the right to collect on this debt in my state ( 3 ). Full chain of assignments from charge off to present ( 4 ). Proof that they own the debt with full clear title ( 5 ). Proof that they were on the original contract ( 6 ). Proof that they either own or were assigned the debt from the creditor. ( 7 ). Proof of how their company assessed the outstanding debt. ( 8 ). Copies of all letters sent to me from them with proof of mailing or copy of certified mail receipt. I have attach a copy of the letter I sent to NCB On XX/XX/XXXX they responded stating that they received my letter, then on XX/XX/XXXX they sent me over 92 pages of paperwork regarding a car loan I took out with XXXX XXXX, none of the paperwork had NCB collection information on it and none of the above information I requested was sent. Then on XX/XX/XXXX I got another letter from them stating that the debt was valid and I owed them. I have attach copies of all the responses I received from NCB. On XX/XX/XXXX I wrote another letter to NCB requesting the same information I requested before and that is the ( 1 ). Copy of the contract or assignment of contract with my signature if coming from a different creditor ( 2 ) Proof of license or bond giving them the right to collect on this debt in my state ( 3 ). Full chain of assignments from charge off to present ( 4 ). Proof that they own the debt with full clear title ( 5 ). Proof that they were on the original contract ( 6 ). Proof that they either own or were assigned the debt from the creditor. ( 7 ). Proof of how their company assessed the outstanding debt. ( 8 ). Copies of all letters sent to me from them with proof of mailing or copy of certified mail receipt. I have attach proof of the 2nd letter I sent to NCB along with the green return receipt showing proof that they signed that they received my letter To date I have not received a response from NCB with the requested above documentation. I also sent a letter directly to XXXX XXXX letting them know that since NCB has not sent the necessary paperwork I requested, I am asking XXXX XXXX to send me ( ( 1 ). Copy of the assignment of contract with my signature to NCB collections ( 2 ) If you are doing business with NCB A copy of their license or bond giving them the right to collect on this debt in my state ( 3 ). Full chain of assignments from charge off to NCB taking over the loan ( 4 ). Proof that NCB was on the original contract ( 5 ). Copies of all letters sent to me from you with proof of mailing or copy of certified mail receipt stating that there is a past due balance and that it was assigned to NCB collections Since NCB has sent over all the documentation to me regarding XXXX old debt that should have been voided because it is no longer owed, it is alleged that you ( XXXX XXXX ) and them ( NCB ) have some kind of working relationship. I also mention to XXXX that If for some reason they are unable to respond to my requests or I do not hear from them within 15 days from receipt of the letter I sent to them, I will assume that this deficiency is indeed voided and NCB collection agency has fraudulently acquired the documentation regarding the debt and is fraudulently trying to get me to pay them money that I do not owe. I have attach proof of the letter I sent to XXXX XXXX along with the green return receipt showing proof that they signed that they received my letter To date I have not receive any correspondence from XXXX XXXX leading me to believe that NCB collection agency has fraudulently acquired the documentation regarding the debt and is fraudulently trying to get me to pay them money that I do not owe.
03/25/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	GA 30315	Web
I received an email from my credit monitoring service. It informed me that my credit score had dropped a tremendous amount of points. I logged on and found that NCB MANAGMENT had illegally posted an alleged collection account to my credit profile. Prior to the email, I have never heard of nor had an account with this company. My report shows that it is an open account and was opened on XX/XX/2019 with a balance of {$5500.00}. I have no knowledge of this company, nor this alleged debt. I have never had any dealings with this company. By federal law, a debt collector is supposed to make contact with an alleged debtor and give them 30 days to validate or dispute before they move forward with collection attempts. I never receive a letter in the mail that gave me 30 days to validate or dispute this account. I never received a letter stating that I have an alleged debt with this company and owe a balance on that account. Again, I have absolutely no knowledge of this account with them. I, a consumer defined under 15 USC 1692a ( 3 ), understand that, under the FDCPA guidelines for collection agencies, they have to provide ( 1 ) legitimate proof that they are the original holder of this debt and can legally hold me responsible for paying this debt and ( 2 ) contractual proof of obligation or an assignment SIGNED from an officer from the original creditors corporation that I am supposed to pay them. 15 USC 1692g Sec. 809 ( b ) of the Fair Debt Collection Practices Act ( FDCPA ) grants me the right as a consumer to request validation of this alleged debt they say I owe. I did not receive notice of right to dispute nor did I receive any information to verify that the alleged debt belonged to me. If I would have gotten anything in the mail or phone call from this company before they illegally reported to my credit report, I would have respectfully requested evidence that I am the person they are asking to pay this debt and a contractual obligation that legally binds me to pay them this debt. Upon them receiving my validation letter by certified mail with return receipt, they would have to legally cease from collection calls, letters, and efforts and delete the account from my credit reports until they can validate this debt. But again, I never received such a letter about this account or phone call ever in the mail because it was never sent. In order for them to prove that I received it properly, the proper letter should have been mailed certified mail with return receipt or by some form of proof of postage that would require my signature. And if the company did mail anything to me, where is the legal proof of my signature stating that I received it? Where is the return receipt or postage signature showing that I received it and signed for it? But again, I never received any sort of mail or package because it was never sent. They have illegally posted and reported to my credit file without adhering to the FDCPA laws. Im not sure if this company is a scam, but I know that this company has broken FCRA and FDCPA laws by reporting an alleged account to my credit report without informing me through mail or phone and I did not receive notice of right to dispute nor did I receive any information to verify that the alleged debt belonged to me. My credit score has dropped tremendously in the middle of making a major purchase. Please help me get this account removed immediately. As a consumer, Im publicly publishing this descriptive complaint on consumerfinance.gov so that others can learn from my experience and so that this government agency can use this information to help work with other violations and complaints from consumers regarding this company. As a consumer defined under 15 USC 1692a ( 3 ), I'm also preparing to sue under the FCRA and FDCPA because of the numerous consumer law violations committed by this company, damages to my credit and opportunity costs with making a major purchase, and business ventures that must be delayed until this illegal account is removed. It should not my responsibility to submit proof that this debt does not belong to me. It is the responsibility of the debt collector to submit proof that they can legally collect on the alleged debt and legally report to the credit agencies. As of this date, they have failed to do so. NCB MANAGEMENT XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX
06/09/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	MO 65203	Web
I received an email from my credit monitoring service that informed me that my credit profile was adversely impacted. I found that NCB MANAGMENT SERVICES had illegally posted an alleged collection account to my credit report. I have never heard of nor had an account with this company. My report shows that NCB MANAGMENT SERVICES open account was opened on XX/XX/2018 with a balance of {$3000.00}. I have no knowledge of this company, nor this alleged debt. I have never had any dealings with this company. By federal law, a debt collector is supposed to make contact with an alleged debtor and give them 30 days to validate or dispute before they move forward with collection attempts. I never receive a letter in the mail that gave me 30 days to validate or dispute this account. I never received a letter stating that I have an alleged debt with this company and owe a balance on that account. Again, I have absolutely no knowledge of this account with them. I, a consumer defined under 15 USC 1692a ( 3 ), understand that, under the FDCPA guidelines for collection agencies, they have to provide ( 1 ) legitimate proof that they are the original holder of this debt and can legally hold me responsible for paying this debt and ( 2 ) contractual proof of obligation or an assignment SIGNED from an officer from the original creditors corporation that I am supposed to pay them. 15 USC 1692g Sec. 809 ( b ) of the Fair Debt Collection Practices Act ( FDCPA ) grants me the right as a consumer to request validation of this alleged debt they say I owe. I never received a notice of right to dispute nor did I receive any information to verify that the alleged debt with this company belonged to me. If I would have gotten anything in the mail or phone call from this company before they illegally reported to my credit report, I would have respectfully requested evidence that I am the person they are asking to pay this debt and a contractual obligation that legally binds me to pay them this debt. Upon them receiving my validation letter by certified mail with return receipt, they would have to legally cease from collection calls, letters, and efforts and delete the account from my credit reports until they can validate this debt. But again, I never received such a letter about this account or phone call ever in the mail because it was never sent. In order for them to prove that I received it properly, the proper letter should have been mailed certified mail with return receipt or by some form of proof of postage that would require my signature. And if the company did mail anything to me, where is the legal proof of my signature stating that I received it? Where is the return receipt or postage signature showing that I received it and signed for it? But again, I never received any sort of mail or package. They have illegally posted and reported to my credit file without adhering to the FDCPA laws. Im not sure if this company is a scam, but I know that this company has broken FCRA and FDCPA laws by reporting an alleged account to my credit report without informing me through mail or phone and I did not receive notice of right to dispute nor did I receive any information to verify that the alleged debt belonged to me. My credit has dropped tremendously in the middle of making a major purchase. Please help me get this account removed immediately. As a consumer, Im publicly publishing this descriptive complaint on consumerfinance.gov so that others can learn from my experience and so that this government agency can use this information to help work with other violations and complaints from consumers regarding this company. As a consumer defined under 15 USC 1692a ( 3 ), I'm also preparing to sue under the FCRA and FDCPA because of the numerous consumer law violations committed by this company, damages to my credit and opportunity costs with making a major purchase, and business ventures that must be delayed until this illegal account is removed. It should not be my responsibility to submit proof that this debt does not belong to me. It is the responsibility of the debt collector to submit proof that they can legally collect on the alleged debt and legally report to the credit agencies. As of this date, they have failed to do so. NCB MANAGMENT SERVICES XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX
09/26/2023	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	FL 32792	Web
Dear NCB MANAGEMENT I am responding to your contact about a debt you are trying to collect. You put on my credit that I owe you a debt. Please supply the information below so that I can be fully informed : Why you think I owe the debt and to whom I owe it, including : Is your license still active and valid because i did not locate it at : XXXX XXXX XXXX The name and address of the creditor to whom the debt is currently owed, the account number used by that creditor, and the amount owed. If this debt started with a different creditor, provide the name and address of the original creditor, the account number used by that creditor, and the amount owed to that creditor at the time it was transferred. When you identify the original creditor, please provide any other name by which I might know them, if that is different from the official name. In addition, tell me when the current creditor obtained the debt and who the current creditor obtained it from. Provide verification and documentation that there is a valid basis for claiming that I am required to pay the debt to the current creditor. For example, can you provide a copy of the written agreement that created my original requirement to pay? If you are asking that I pay a debt that somebody else is or was required to pay, identify that person. Provide verification and documentation about why this is a debt that I am required to pay. The amount and age of the debt, including : A copy of the last billing statement sent to me by the original creditor. State the amount of the debt when you obtained it, and when that was. If there have been any additional interest, fees or charges added since the last billing statement from the original creditor, provide an itemization showing the dates and amount of each added amount. In addition, explain how the added interest, fees or other charges are expressly authorized by the agreement creating the debt or are permitted by law. If there have been any payments or other reductions since the last billing statement from the original creditor, provide an itemization showing the dates and amount of each of them. If there have been any other changes or adjustments since the last billing statement from the original creditor, please provide full verification and documentation of the amount you are trying to collect. Explain how that amount was calculated. In addition, explain how the other changes or adjustments are expressly authorized by the agreement creating the debt or permitted by law. Tell me when the creditor claims this debt became due and when it became delinquent. Identify the date of the last payment made on this account. Have you made a determination that this debt is within the statute of limitations applicable to it? Tell me when you think the statute of limitations expires for this debt, and how you determined that. Details about your authority to collect this debt. I would like more information about your firm before I discuss the debt with you. Does your firm have a debt collection license from my state? If not, say why not. If so, provide the date of the license, the name on the license, the license number, and the name, address and telephone number of the state agency issuing the license. If you are contacting me from a place outside my state, does your firm have a debt collection license from that place? If so, provide the date of the license, the name on the license, the license number, and the name, address and telephone number of the state agency issuing the license. I have asked for this information because I have some questions. I need to hear from you to make an informed decision about your claim that I owe this money. I am open to communicating with you for this purpose. In order to make sure that I am not put at any disadvantage, in the meantime please treat this debt as being in dispute and under discussion between us. In addition to providing the information requested above, please let me know whether you are prepared to accept less than the balance you are claiming is owed. If so, please tell me in writing your offer with the amount you will accept to fully resolve the account. Thank you for your cooperation. Sincerely, XXXX XXXX
02/20/2018	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	KS XXXXX	Web
Fraudulent reports to Credit Bureaus of inaccurate and unvalidated debt. It is against the law to report inaccurate information to a consumers credit reports, as you should know that considering the amount of legal action that has been taken against your company. My request is listed below and failure to provide me with this information will result in legal action. XX/XX/2018 XXXX XXXX XXXX XXXX XXXX PL XXXX, KS XXXX NCB MANAGEMENT SERVICES, INC XXXX XXXX XXXX XXXX, PA XXXX XXXX : DISPUTE VALIDATION To Whom it may concern, Please be advised this is not a refusal to pay, but a notice that your claim is disputed and validation is requested. Under the Fair Debt Collection Practices Act ( FDCPA ). I have a right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the DDCPA. I have respectfully request that your offices provide me with competent evidence that I have a legal obligation to pay you. At this time I will also inform you that if your office have or continue to report invalidated information to any of the three major credit bureaus ( XXXX, XXXX, XXXX XXXX ), this negative mark is found or continues to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Debt Collection Practices Act and Defamation of Character. I am sure legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies. If your offices are able to provide the proper documentation as requested in the following declaration, I will require 30 days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports I will consult with legal counsel for suit. This includes any listings of any information to a credit-reporting repository that could be inaccurate or invalidated. IF your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. It would be advisable that you and yoru client assure that your records are in order before I am forced to take legal action. CREDITOR/DEBT COLLECTION DECLARATION Please provide the following : Agreement with your client that grants you the authority to collect on this alleged debt. Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. Any insurance claims been made by any creditor regarding this account. Any judgements obtained by any creditor regarding this account. Name and address of alleged creditor. Name on file of alleged debtor. Alleged account number Amount of alleged debt. Date this alleged debt became payable. Date of original charge off or delinquency. Verification that this debt was assigned or sold to collector. Complete accounting of alleged debt. Commissions for debt collector of collection efforts are successful. Please provide the name and address of the bonding agent for NCB Management Services , Inc. in case legal action becomes necessary. Your claim can not and WILL NOT be considered if any portion of the above is not completed and returned with copies of all requested documents. This is a request for validation made pursuant of the Fair Debt Collection Practices Act. Please allow 30 days for processing after I receive this information back. Best Regards, XXXX XXXX Cc : Federal Trade Commission
10/02/2022	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was paid	OK 73110	Web
The identified transactions are not information relayed to any transaction by me as the consumer. XXXX MANAGEMENT SERVICES has violated my consumer rights. I am exercising my rights as a consumer. I do not know how this company is and I have no contract with them. I do not know how they got my location information, name, or SSN. This is a violation of FDCPA and Truth and lending. There is no verification of debt attached to this statement which came through the mail. This company has attacked my credit report and I do not authorize any false statements upon my credit report. It is damaging to me and public trust. I am federally and state protected consumer pursuant to 15 U.S. Code 1692a ( 3 ) The term consumer means any natural person obligated or allegedly obligated to pay any debt. In Fact Pursuant 18 U.S. Code 8 I the natural person I am not obligated by federal law to pay a debt XXXX MANAGEMENT SERVICES are in violation of my consumer rights pursuant to 15 U.S. Code Fair Debt Collection Practices Act ( FDCPA ), The Gramm-Leach-Bliley Act ( GLBA ),. Fact XXXX XXXX has violated Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.Code 1692b Acquisition of location information by acquiring my place of abode and not contacting me the consumer before. Fact XXXX MANAGEMENT SERVICES Violated Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.Code 1692c Communication in connection with debt collection ( a ) Communication with the consumer generally ; Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. Fact XXXX XXXX Fact Violated Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.Code 1692d ( 1 ) Harassment or abuse ; The use or threat of use of violence or other criminal means to harm the physical person, reputation, or property of any person. ( 4 ) The advertisement for sale of any debt to coerce payment of the debt. Fact XXXX MANAGEMENT SERVICES are in violation of Fair Debt Collection Practices Act ( FDCPA ) 15 U.S. Code 1692e False or misleading representations ( 4 ) The representation or implication that nonpayment of any debt will result in the arrest or imprisonment of any person or the seizure, garnishment, attachment, or sale of any property or wages of any person unless such action is lawful and the debt collector or creditor intends to take such action. ( 8 ) Communicating or threatening to communicate to any person credit information which is known or which should be known to be false, including the failure to communicate that a disputed debt is disputed. ( 11 ) The failure to disclose in the initial written communication with the consumer and, in addition, if the initial communication with the consumer is oral, in that initial oral communication, that the debt collector is attempting to collect a debt and that any information obtained will be used for that purpose, and the failure to disclose in subsequent communications that the communication is from a debt collector, except that this paragraph shall not apply to a formal pleading made in connection with a legal action. Fact XXXX MANAGEMENT SERVICES In violation of Fair Debt Collection Practices Act ( FDCPA ) 15 U.S. Code 1692j - Furnishing certain deceptive forms ( a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. ( b ) Any person who violates this section shall be liable to the same extent and in the same manner as a debt collector is liable under section Fair Debt Collection Practices Act ( FDCPA ) XXXX of this title for failure to comply with a provision of this subchapter.
07/29/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	FL 32817	Web
I AM REQUESTING VALIDATION, NOT VERIFICATION!! This COMPLAINT is being sent to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureau { s }, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that your claim is disputed and validation is requested. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. Please provide me with the following : What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service : At this time I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureaus { XXXX, XXXX or XXXX } this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate to bring legal action against you for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character If your offices are able to provide proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting repository that could be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate. If your company fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit report and a copy of such deletion { to any/all of the XXXX major credit reporting bureaus : XXXX, XXXX and XXXX } request shall be sent to me immediately. I would also like to request, in writing, that no telephone contact be made by your company to my home or my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls and calls or correspondence sent to or with any third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter by USPS. It would be advisable that you assure your records are in order before I am forced to take legal action against your company and your client. This is an attempt to correct your records, any information obtained shall be used for that purpose. A response with a bill is NOT evidence of proof that the debt is mine. Anyone can open an account under my name for which a bill is produced, but that doesn't mean it was actually me or that the debt is actually mine. I need real evidence. This evidence consists of a contract from the original creditor or some agreement bearing MY written signature agreeing to pay the debt. In the absence of this evidence I ask you to please remove this account from my credit report.
06/24/2018	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	TX 755XX	Web
NCB MANAGEMENT SERVICES INC, XXXX XXXX on behalf of XXXX XXXX XXXX XXXX , who is collecting on behalf of XXXX XXXX XXXX XXXXwas required to notify me prior to XXXX XXXX XXXX XXXX, or no later than 30 days after XXXXfailed to notify me about reporting derogatory info. to XXXX, XXXX, and XXXX In section 603 ( p ) 15 U.S.C. ss 168s-2 ( a ) ( 7 ) ( A ) ( I ) ; The notice required under subparagraph ( A ) shall be provided to the customer prior to, or no later than 30 days after XXXX XXXX XXXX XXXX, furnishing the negative derogatory information to a consumer reporting agency described in section 603 ( p ), 15 U.S.C. ss 1681s-2 ( a ) ( 7 ) ( B ) ( I ). Plus broke commercial law under UCC? 9.501 that all notices were timely and properly given by dated certified mail receipt. They were not met. First, I never received any correspondence from NCB MANAGEMENT SERVICES INC, XXXX XXXX. A strong presumption of receipt applies when notice is sent by certified mail, because it creates actual evidence of delivery in the form of a receipt. XXXX XXXX v. XXXX XXXX, XXXX XXXX XXXX, XXXX ( XXXX Cir. XXXX ) ( emphasis added ). A weaker presumption arises where delivery is sent via regular mail, for which no receipt, or other proof of delivery, is generated. Id. In the absence of actual proof of delivery, receipt can be proven circumstantially by introducing evidence of business practices or office customs pertaining to mail. United States v. XXXX, XXXX XXXX XXXX, XXXX ( XXXX Cir. XXXX ). This evidence may be in the form of a sworn statement. Id. at 895 ; XXXX v. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX ( XXXX Cir. XXXX ) ( a sworn statement is credible evidence of mailing for the purposes of the mailbox rule. ). However, because the presumption is weak where proof of receipt is attempted solely by circumstantial evidence, we require the affiant to have personal knowledge of the procedures in place at the time of the mailing. XXXX v. XXXX, XXXX XXXX XXXX, XXXX ( XXXX Cir. XXXX ). The use of certified mail gets the benefit of the presumption only as long as the return receipt is presented. See, e.g., XXXX v. XXXX XXXX, XXXX, XXXX XXXX XXXX ( XXXXXXXX XXXX XXXX XXXX, XXXX ) .Please see attached pdf documentation EXHIBITS. Second the FDCPA ( XXXX XXXX. XXXX ( a ) states Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt I have not given either company the above written consent to contact me in connection with the collection of any debt alleged. Furthermore in the letter sent the name spelled is XXXX XXXX my name is spelled XXXX XXXX. I have no known relationship with these companies NCB MANAGEMENT SERVICES INC, XXXX XXXX, and am unaware of how they have obtained my personal identifying information with my knowledge and/or consent. Also, XX/XX/XXXX failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA? 809, which is {$1000.00} per violation and the state of TX allows treble damages. Under? 809. Validations of date and Mini-Mirandi under Section 807 ( 1 ) XXXX XXXX XXXX XXXX, Owner failed to send me my initial communication before placing this alleged derogatory status on my credit reports further violating the FCRA, I understand that according to the Fair Credit Reporting Act, failing to provide this notice can result in a penalty up to {$2500.00} and can be enforced by the FTC, and that my state attorney general can also enforce this with a {$1000.00} penalty as well.
07/06/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	GA 300XX	Web	Servicemember
Request for VALIDATION, NOT Verification XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX NCB MANAGEMENT SERVICE XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX RE : Account # XXXX To Whom It May Concern : This letter is being sent to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureau { s }, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that your claim is disputed and validation is requested. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. Please provide me with the following : What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service : At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureaus { XXXX, XXXX or XXXX } this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate to bring legal action against you for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character If your offices can provide proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting repository that could be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate. If your company fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit report and a copy of such deletion { to any/all of the 3 major credit reporting bureaus : XXXX, XXXX and XXXX } request shall be sent to me immediately. I would also like to request, in writing, that no telephone contact be made by your company to my home or my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls and calls or correspondence sent to or with any third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter by XXXX. It would be advisable that you assure your records are in order before I am forced to take legal action against your company and your client. This is an attempt to correct your records, any information obtained shall be used for that purpose. Best Regards, XXXX XXXX
03/16/2017	Yes	Debt collection I do not know	Disclosure verification of debt Right to dispute notice not received	GA 30213	Web
I was first contacted by NCB Management Services on XX/XX/2017 at XXXX. I missed the call so I called back when I saw the missed call at XXXX to see who was calling me and in reference to what. I was connected by the company 's operator to a XXXX. She asked me for the last for digits of my SSN and my date of birth. Having been a recent victim of identify theft I explained to XXXX that I did not give out such information to strangers over the phone. I asked if she could send communication to me in writing concerning the debt. She said she would do so. She also told me that written communication had been sent out a month prior and they had been trying to reach me by phone for over a month. I knew this to be a blatant lie as whenever I see a missed call on my phone I immediately return the call to follow up. Moreover, I check my mailbox EVERYDAY and I had not received ANYTHING from a debt collector. I asked if she would send the information again and she agreed and informed me that she was ending the call because I refused to verify my information. She told me that my refusal would be notated. I have lived out of the country for several years and I was very concerned about having anything negative placed on my credit report. So after a few minutes I called back again and was connected with a male collector. I explained the situation with XXXX and told him that I was calling because IF I owe something I am not trying to run I simply want to gather the information and get back to him. He asked me to verify my address which I did. He told me that XXXX had lied and his agency had NOT received the debt a month prior but on XX/XX/2017. He told me that if was a very new collection so I should expect a letter in the mail in a few days. He told me that the address that he had on his file DID NOT have a include a apartment number. I gave him my address again and told him to please send written communication of the debt to my address. He said that he would have the letter resent. He gave me his information to follow up with him AFTER I received the letter. His name is XXXX at extension XXXX. I told him I would and ended the call. On today, XX/XX/2017 at XXXX I received another call from XXXX. Again, she asked me to verify my social security number, again I refused. She told me she could n't talk to me ... I told her what happed with XXXX last week and that I still had not received written communication of the debt. I told her if I did not receive written communication that I would report them to the Georgia Attorney General 's office, the FTC and the Bureau of Consumer protection. She said she would connect me to a manager. After a long wait I was connected to the manager who basically told me that he could not talk to me if I refused to verify my identify. I told him that is fine. I am asking for WRITTEN communication. Communication that should have been sent to me within 5 days of initial contact which was XX/XX/2017. He told me that they follow the rules and unless I verified my identify he could not communicate with me. I told him to PLEASE sent a letter concerning my debt to the address that I proovided to XXXX on last week. He then hung up in my face. I feel harrased and I know my rights have been violated. I am stressed because I do n't have any information about this possible debt and I do n't want this to ruin my credit. They keep calling me but will not furnish written information about the debt.
06/07/2023	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	VA 23451	Web
Dear XXXX XXXX and XXXX XXXX, I am writing this letter to inform you, as the XXXX XXXX XXXXXXXX and XXXX XXXX XXXX of NCB Management Services , Inc., respectively, that I dispute the alleged debts you claim I owe, and I hereby request validation of the debts as provided under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 USC 1692g. Furthermore, I believe that your actions may be in violation of the False Claims Act. This communication serves as a formal notice that your claims are disputed, and I am requesting competent evidence that I have any legal obligation to pay you. Please note that this is not a request for mere verification of my mailing address, but a demand for validation under the aforementioned Title and Section. Account Numbers : XXXX & XXXX Pursuant to 15 USC 1692c. ( c ), I am notifying you in writing that I refuse to pay these alleged debts, and I am demanding that you cease all forms of communication with me through any and all mediums unless it pertains to my remedy in writing via mail. Furthermore, pursuant to 15 USC 1692c. ( c ) ( 2 ), I am invoking my specified remedy as a consumer, and I demand the following : - Deletion from all consumer reports. - Return of the requested documents so I can fully assess the validity of any alleged debts. - Cease and rescind use of my intellectual property, including my signature. Please provide the following information : - Name and address of the original creditor who created the debts. - Name on file of alleged debtor. - Account numbers on file for alleged debtor. - Address on file for alleged debtor. - Amount of each alleged debt. - Date that each alleged debt became payable. - Date of original charge or delinquency. - Was each debt assigned to a debt collector or purchased? - Amount paid if debts were purchased. - Commission for debts if collection efforts are successful. - Documentary evidence that your agency is in fact the holder in due course. - Certified copy of the original negative information notice required by FCRA section 623 ( 7 ) ( A ). Please provide the name and address of the bonding agent for NCB Management Services , Inc., in case legal action becomes necessary. Please be aware that I understand falsifying and concealing documentary evidence or making false statements is punishable under Title 18 U.S.Code 1001 and may result in up to five years of imprisonment. Without the information required by law for your offices to have on file, there is no valid way that your office can validate any alleged debts. Your claims can not and WILL NOT be considered if any portion of this form is not completed and returned with copies of all requested documents. This is a request for validation made pursuant to the Fair Debt Collection Practices Act. To acquiesce or fail to comply with the requirements of this notice would be an admission that there is no proof of claim for these alleged debts. You agreed to discharge the matters accordingly, not sell or assign these matters to another agency, as well as remove the false allegations off of all of my consumer reports and compensate me accordingly in the amount of the presented invoice in good faith and ordinary care for the financial damage caused by reporting false allegations. Your prompt attention and response is both requested and required. Sincerely, XXXX XXXX
08/04/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	TX 77573	Web
I would like to file a complaint regarding an account XXXX and XXXX are reporting. I have requested information, multiple times, from XXXX, XXXX and NCB Management to validate the accuracy of the account NCB Management Service ( Account # XXXX ) is reporting, however, XXXX and XXXX continue to verify the account information is correct and completely disregard my investigation requests. NCB initially sent a letter on XXXX ( included ) stating they could not substantiate the allegations in my dispute? ( My dispute was simply a request to provide the information being used to report the accuracy of this account. On XXXX, NCB sent a packet addressed to myself, the first page contained my information and stating NCB enclosed documentation concerning your account in response to your dispute or request for validation of this debt. Again, the first page did contain my demographics, however, the remainder of the packet was personal information belonging to TWO other people in a completely different state 1,103 miles from me. The packet contains this consumers protected personal information such as hid drivers license, social security number, banking information, title to his vehicle, contract and more. Not only did the packet provide this mans information, it provided all of the same protected personal information of the contract co-signer. Besides the packet information unrelated to myself, NCB did not provide any information to substantiate the account information they are reporting. I notified XXXX and XXXX of the failure to provide information as well as the breach of these two consumers personal information that was provided ; XXXX did not respond to my request for information and XXXX completely ignored the request, verified the account as accurate and updated the account to a newly reported past due amount, see attachments. After notifying NCB Management of the information they provided, NCB Management sent me a letter, though nice in nature, to assure me that my personal information was not disclosed to someone else that may have requested their information. In addition, requesting that I respect the privacy of the other consumers??? I am the person that reported the incident, clearly I respect their privacy. Even when our consumer protectors at XXXX and XXXX can not be bothered. Four months later, no information has been provided to me by XXXX, XXXX OR NCB Management ; the account is STILL reported with inaccurate and UNVERIFIED information and XXXX is reporting the account under an abbreviated collector name with no reference to the original creditor. Is this to make the one account appear as two separate accounts? Because that is exactly how it appears. XXXX is reporting the date of last activity as almost TWO YEARS LATER. XXXX is reporting this account as 120 DAYS LATE. Can an account be 120 Days Late for a year and a half and then okay? That doesnt seem accurate, or verifiable. This account needs to be deleted for inaccurate reporting, failure to ACCURATE VERIFY the account, unable to provide proof of the account, breach of multiple consumers information, ignoring request for investigation and continuing to report this account after receiving multiple notifications of the errors. This is absurd and is damaging my credit report.
07/16/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33179	Web
I am writing to file a formal complaint against the companies listed below as well as XXXX and XXXX regarding the unauthorized disclosure of my nonpublic personal information and the failure to remove identity theft accounts from my consumer report. This company 's actions have not only violated my privacy rights but also demonstrated a lack of concern for my well-being and the legal obligations outlined in the United States Code . I seek your assistance in resolving this matter and demand a fair settlement for the damages caused by their negligence. As a consumer, I engaged in business transactions with said companies. To my dismay, this company unlawfully sold my nonpublic personal information, including my social security number, account transactions, and balances, to consumer reporting agencies without obtaining my clear and conspicuous consent, as required by 15 USC 6802. By definition, this constitutes a violation of my privacy rights and establishes me as a victim of identity theft. It is crucial to note that, despite signing an application with these companies, I was never clearly informed or provided with a notice that complies with 15 USC 6803, which explains the disclosure of nonpublic personal information to third-party non-affiliated financial institutions. As a result, I have suffered significant harm, both financially and emotionally, due to the unauthorized disclosure and subsequent inclusion of fraudulent accounts in my consumer report. On XX/XX/2023, I reported this identity theft incident to the Federal Trade Commission, providing detailed information and evidence regarding the fraudulent accounts on my consumer report. Unfortunately, these companies have failed to take appropriate action in removing the disputed information, thereby violating the United States Code and disregarding the impact of their actions on my life. I demand that the companies listed and the consumer reporting agencies involved promptly remove the identity theft accounts from my consumer report. Additionally, I seek a fair settlement for the damages caused by their negligence, which includes financial losses, emotional distress, and the time and effort spent rectifying this matter. Failure to comply with these demands will leave me with no choice but to pursue full legal action, which could result in significantly higher compensation, including punitive damages. I kindly request your intervention in this matter to ensure that my rights as a consumer are protected and that appropriate actions are taken against these companies for their violations. Please conduct a thorough investigation into their practices, emphasizing the urgency and gravity of this situation. Furthermore, I request your guidance and support in navigating this process and achieving a fair resolution. I appreciate your assistance in keeping me informed of any actions taken or progress made regarding my complaint. Thank you for your attention to this urgent matter. I trust that the Consumer Financial Protection Bureau will address this issue promptly and provide the necessary remedies to rectify the damages caused. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NCB ManaggmenXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
07/25/2023	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	FL 32967	Web
Under 15 U.S. Code 1602 ( I ) ( I ) The adjective consumer, used with reference to a credit transaction, characterizes the transaction as one in which the party to whom credit is offered or extended is a natural person, and the money, property, or services which are the subject of the transaction are primarily for personal, family, or household purposes. Pursuant to 15 U.S. Code 1681a ( 2 ) ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device Should be excluded from a consumer report. The definition of a credit card under 15 U.S. Code 1681 is the same as it is under 15 U.S. Code 1602 ( I ) which is the term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor or services on credit. Notice congress said ANY card. The credit card is my social security card. This is the credit card I used to originate every consumer transaction below. They should all be removed from My consumer report pursuant to 15 U.S. code 1681a ( 2 ) ( B ). I am demanding that you remove these Transactions from my report immediately as they are a violation of my rights as a federally protected consumer under title 15 chapter 41. The term debt collector under 15 USC 1692a ( 6 ) means any person who uses any instrumentality of interstate commerce or the mails in any business the principal of which is the collection of any debts, or who regularly collects or attempts to collect, directly or indirectly, debts owed or sue or asserted to be owed or due another. Notwithstanding the exclusion provided by clause ( F ) of the last sentence of this paragraph, the term includes any creditor who, in the process of collecting his own debts, use any name other than his own which would indicate that a third person is collecting or attempting to collect such debts. For the purposes of section 1692f ( 6 ) of this title, such term also includes any person who used any instrumentality of interstate commerce or mails in any business the principal purpose of which is the enforcement of Secuirty interest. This passage clearly states that the term debt collector means ANY person who attempts to collect a debt. NCB Management Services Inc falls under the FDCPA. With this understanding, I know that all bills ( statements ) received in the mail are an attempt to collect an alleged debt. Under 18 USC 892 ( a ) Making extortionate extension of credit states, whoever makes any extortionate extension of credit, or conspires to do so shall be finder under this title or imprisoned not more than 20 years, or both. ( 6 ) an extortionate extension of credit with respect to which it is the understanding of the creditor and the debtor at the time it is made that delay in making repayment or failure to make repayment could result in the use of violence or other criminal means to cause harm to a person, reputation, or property of any person. Currently, NCB Management Services Inc is has taken property from a consumer credit transaction without authority or right to do so, damaging my consumer reputation due to unverifiable and inaccurate reporting information, therefore further damaging me financially, emotionally, and mentally.
09/16/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	TX 76017	Web
I sent a certified letter to NCB Management Services Incorporated requesting that they validate a debt. What I received instead was a letter back from them saying that my concern will be reviewed and that this is not an attempt to collect a debt. If this is not an attempt to collect a debt then why is this erroneous debt on my credit report? The FDCPA STATES : The FDCPA entitles you as a consumer to validate a debt when a collection agency demands money from you. If a collection agency cant validate the debt, the credit bureau can not list it as a negative mark on your credit report. When you get your debt validated, you request the collection agency to prove it has the legal right to collect the money. It also confirms that you agreed to pay the debt, and the amount of the debt is accurate. Any debt collection agency that refuses to follow these steps can be reported to both state and federal officials for violating the law. Instead of producing the documents I have requested which were : Please provide the following : 1. Agreement with your client that grants you the authority to collect on this alleged debt. 2. Agreement that bears my signature of the alleged debtor wherein he/she agreed to pay the creditor. 3. Any insurance claims that have been made by any creditor regarding this account. 4. Name and address of alleged creditor. 5. Name on file of alleged debtor. 6. Alleged account number. 7. Amount of alleged debt. 8. Date this alleged debt became payable. 9. Date of original charge off or delinquency. 10. Verification that this debt was assigned or sold to collector. 11. Complete accounting of alleged debt. 12. Commissions for debt collector of collection efforts that is successful. NCB Management Services Incorporated send me a letter back which I have attached and in closing said " This is not an attempt to collect a debt. '' If this is not an attempt to collect a debt then why has XXXX allowed them to place an erroneous debt on my credit report? This errorneous debt has not been validated at all. I have not received any documentation on this erroneous debt but XXXX has placed this company on my credit report. I want them removed immediately from my credit report because not only is NCB Management Incorporated on my credit report illegally, XXXX has conspired with this company to place them there erroneously. Please keep in mind that I DO NOT CONSENT TO XXXX VERIFICATION. I am requesting a reinvestigation AND your Method of Verification. Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. I am maintaining a careful record of my communication with you for the purpose of filing a lawsuit against XXXX should you continue in your non-compliance. I further remind you that, as in XXXX v. XXXX XXXX. No. XXXX ( XXXX XXXX XXXX, 1995 ), you may be liable for your willful non-compliance. Failure to respond satisfactorily within 30 days of receipt of receipt of this complaint may result in a small claims action against XXXX, seeking {$1000.00} per violation for. 1. Defamation 2. Negligent Enablement of identity fraud. 3. Violation of the Fair Credit Reporting Act.
07/20/2018	Yes	Debt collection I do not know	Threatened to contact someone or share information improperly Talked to a third-party about your debt	MO 645XX	Web
I spoke to NCB a debt collector working on behalf of XXXX XXXX. I spoke to NCB first on XX/XX/XXXX. We agreed on a settlement amount of {$3300.00} from the balance of {$4700.00}. The arrangement was to pay {$220.00} a month for 15 months. At that time I asked if around income tax I could possibly settle for less. I was advised yes. I have attached bank statements. I called again in XX/XX/XXXX to request a lower settlement. I was treated rudely by Mr. XXXX XXXX, he called me a liar. I complained to the supervisor. The supervisor said there was no notes on the account to proof what I was saying. He asked me the amount I was offering I said {$2000.00}, he laughed. I hanged up. I kept getting several calls. I asked to stop calling but they didnt stop. I received a call from XXXX with NCB and she treated me with respect so I listened to what she had to say. I advised her that as soon as I get my income tax I would be able to pay {$2500.00}. She said she would try and get it approved. I spoke to her again around XX/XX/XXXX and I advised her due to health issues and income tax not being enough I would not be able to settle for {$2500.00}. I also explained the arrangement I had back in XX/XX/XXXX but she said that cancelled itself off. I told her I didnt understand because the money I paid where did it go. She didnt have an answer but said I could pay what I can afford and she would note it down. I agreed to pay then $ XXXX monthly for 18 months. I had always requested to get documentation and they said they have sent it. I did receive emails but couldnt open them, it was just a blank page. I did advised them of this but nothing was resolved. I had fraud activity on my personal checking account and, on XX/XX/XXXX, I called NCB, Mr XXXX, to advise them, so they wouldnt attempt to withdraw. I advised NCB, Mr. XXXX that I would call him with new bank info as soon as I can. I decided to review the invoice of that month, and it stated I still owed {$4700.00}. I was puzzled. I called and left message in regards to this and decided not to pay until I received document stating the settlement amount. He called me on XX/XX/XXXX, I advised him I did have a new bank information but would not make payment until I received the proof of settlement. I kept getting emails with blank documents. On XX/XX/XXXX, Mr XXXX called a number, my daughters number. I do not have listed or have I approved to be called, I had never had any calls to that number. Mr XXXX called that number and started the conversation with you know who I am, read disclosure, then said we talked yesterday, My daughter kept telling him she didnt know who he was and that they had not spoken. Mr XXXX proceeded in advising her of the account giving her specific details : company they are representing, amount owed, and amount settlement, amount of payments, and that I still owed for XX/XX/XXXX. My daughter kept saying to him she had no clue about this. Then he asked the number called, she then said so you have the same name as XXXX, She let him know that she was not me and hanged up. This created a problem at my home and information was shared because my daughter was very upset at how Mr XXXX treated her.
09/27/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	MI 48309	Web
How are you? I hope all is well. I am writing to you because I recently reviewed my latest credit report and I found a few negative items that I have NOT confirmed or accepted to be accurate. Id like to ensure that you have and ONLY RETAIN current, TRUE, CORRECT, COMPLETE, and MANDATED REPORTED information per FCRA regulations. I DEMAND, as it is my lawful RIGHT ( s ) to do so, that you DELETE all information that is deficient of any condition, mentioned above. I listed below all the information that I found to be untrue, incorrect, incomplete, untimely, and not verifiable, and unsubstantiated. I have yet to be provided physical verifiable proof that the claims of negativity within my report is true. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity. Furnish information about accounts or other relationships with a consumer that is accurate. C - Conduct reasonable investigations of consumer disputes According to CRRG, in order to make a lawful report, you must follow the XXXX XXXX compliance standards. Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ XXXX XXXX compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB , FTC and my Attorney General.
10/26/2023	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was result of identity theft	IL 60628	Web
I am writing to formally file a complaint against NCB Collections regarding a deeply concerning and distressing matter related to a debt that is fraudulent. I have taken every necessary step to resolve this issue with NCB Collections directly but have faced considerable difficulties in achieving a resolution. I am now turning to your esteemed organization for assistance in addressing this matter promptly. The nature of my complaint revolves around a debt that NCB Collections has been attempting to collect from me. However, this debt is illegitimate and constitutes a case of fraud. I would like to provide a detailed account of the events that have transpired in this regard. Unauthorized Transfer to XXXX XXXX XXXX : To my great surprise and dismay, NCB Collections transferred my debt to XXXX XXXX XXXX without notifying me. This sudden transfer caused confusion and disrupted the process of addressing the issue. Communication with Radius Global Solutions : Following the transfer, I attempted to communicate with XXXX XXXX XXXX in an effort to resolve the matter. However, after extensive communication with XXXX XXXX XXXX I was inexplicably sent back to NCB Collections. This back-and-forth exchange only added to the confusion and frustration. Documentation of Fraudulent Activity : I have taken proactive steps to demonstrate the fraudulent nature of this debt. I filed an affidavit and provided a police report that clearly indicates the fraudulent activity associated with the debt. The car company in question has also been subjected to federal action due to their unethical practices of putting vehicles in individuals ' names without their consent or knowledge. The documents I submitted substantiate these claims, including a signature that is not mine and a lack of my identification on file. Submission of Required Documentation : I have diligently complied with NCB Collections ' requests for documentation, including the affidavit and police report, in an effort to prove the illegitimacy of this debt. However, NCB Collections has failed to take appropriate action and continues to pursue me for a debt that I am not responsible for. I am deeply troubled by NCB Collections ' relentless attempts to coerce me into paying for a debt that is undeniably fraudulent. I have cooperated fully by providing all necessary documentation to substantiate my claims, and it is disheartening that NCB Collections has not acted in accordance with the law and ethical standards. In light of the above circumstances, I kindly request that the Consumer Financial Protection Bureau thoroughly investigate this matter and take appropriate action against NCB Collections. It is imperative that this fraudulent debt is promptly removed from my credit profile, as it is adversely affecting my financial standing and causing undue stress and hardship. I would like to thank you in advance for your attention to this matter. Your intervention and assistance in resolving this issue will be greatly appreciated. I am open to providing any additional information or documentation that may be required to expedite the resolution process
03/06/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 76040	Web
I am a victim of identity theft. I discovered it when I tried to make a XXXX XXXX account in XX/XX/XXXX. It pulled up an error and it said there was already an account with my social security number. The email that it was associated with was my fathers email ( XXXX ). I then made an XXXX account. Once I was able to look at the XXXX account I found there was 5 credit cards opened in my name without my consent or knowledge of them being opened. XXXX account was opened on XX/XX/XXXX. XXXX XXXXXXXX XXXX XXXX was opened on XX/XX/XXXX. XXXX XXXXXXXX XXXX was opened XX/XX/XXXX. XXXX XXXX XXXX XXXX XXXX XXXXXXXX was opened XX/XX/XXXX. NCB Management ServiceXXXXXXXX XXXX XXXX XXXX was opened on XX/XX/XXXX. All of these were discovered when I opened my XXXX account in XX/XX/XXXX. Prior to opening my XXXX account, I had no knowledge of these credit card accounts. For the XXXX XXXXXXXX XXXX card and the XXXX XXXX XXXX card, my father gave me those cards in XX/XX/XXXX. He led me to believe he was the main card holder on the accounts and that I was just an authorized user on them. I now know that is not the case based on my credit report. I then asked my father XXXX XXXX if he knew about these accounts and he admitted to me around XX/XX/XXXX that he was the one who opened the accounts in my name. I filed a dispute on XXXX for all of these credit card companies but since all my information was used they all sent documentation back to me saying I was the one who opened the accounts and that they were valid. I then received documentation from the credit bureaus about the applications and the information that was used on the applications. One of the files I uploaded below that says " XXXX XXXXXXXX XXXX XXXX XXXX '' has all my dads information on it. Under contact information is all his information that is my fathers email and phone number. Under Financial Information my father had put I worked for his company " XXXX XXXX XXXXXXXX '' as an XXXX which is in XXXX XXXX, LA. I never worked for my fathers company nor did I have any job at the time. The job says I was an XXXX and that my hire date was XX/XX/XXXX I had just XXXX XXXX XXXX mid XXXX of XXXX. I looked up the requirements to be an XXXX in Louisiana they are as followed : You must complete a minimum of 90 hours of Education with an XXXX approved education provider, then you must pass a XXXX XXXX and also complete 30 hours of pre licensing platform training as well as 10 XXXX XXXX with an approved XXXX XXXXXXXX XXXX If I XXXX from XXXX XXXX in mid XX/XX/XXXX how is it it possible I completed this all by XX/XX/XXXX?? I also do not have W2 's from that year because as I have stated I did not have a job until I attended XXXX XXXX University in XXXX XXXX and had an XXXX XXXX job in XXXX. I now have 2 collections account associated with my social security number. The account are XXXX XXXX XXXX XXXX XXXX XXXXXXXX with a balance of {$490.00}. NBC Management ServiceXXXXXXXX XXXX XXXX XXXX with a balance of {$1700.00}.
08/29/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Difficulty submitting a dispute or getting information about a dispute over the phone	GA 30236	Web
NCB MANAGMENT SERVICES XXXX XXXX XXXX XXXX, PA XXXX Phone : ( XXXX ) XXXX Account # XXXX On XX/XX/XXXX, I wrote to you requesting an investigation into items that I believed were fraud, inaccurate, and falsely reporting. To this date only response that I have received was computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in XXXX v. XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX XXXX - XXXX. Court, ( XXXX California XXXX ) ; you may be liable for violating the Fair Credit Reporting Act ( FCRA ) by recklessly failing to follow reasonable procedures to ensure the accurate reporting of debts XXXX in bankruptcy and by refusing to adequately investigate consumer disputes regarding the status of XXXX accounts. I have requested that NCB MANAGMENT SERVICES provide proof of alleged items. I request to be provided with specifically the original application, contract, note, or another instrument bearing my signature. In addition, any the contract signed between NCB MANAGMENT SERVICES & the original creditor, notarized and sworn under penalty and perjury NCB MANAGMENT SERVICES ability to collect this alleged debt. I request this under 15 U.S. Code 1692g - Validation of debts. If information is not provided or the false reporting isnt removed ; as in XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX ( C.D.Cal. XXXX XXXX ), you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be reinvestigated. Account # XXXX Please send all validating records through the CFPB and certified mail to my address. I have uploaded a copy of my ID showing my mailing address. Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in the above actions being taken against your company. Under federal law, you have 30 days to complete your reinvestigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well. Please provide this information within 15 days of the completion of your reinvestigation. I demand that these accounts be deleted immediately, or I will file litigation. I demand that these accounts be deleted immediately as I will seek litigation and {$1000.00} per violation.
07/08/2022	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	FL 33139	Web
I have previously complained about NCB including complaint # XXXX XXXX XXXX NCB has negatively reported a collection of an alleged debt that has not been validated. They have sent me a credit application for XXXXXXXX XXXX, a transaction History from XXXX XXXXXXXX, and a Assignment and Bill of Sale between XXXXXXXX XXXX and NCB ( which does not represent the entire contract between them ) ; however, I never entered into a contract with NCB nor are the documents sent in a proper validation of this alleged debt. However, after reading the FTC report from XX/XX/XXXX " The Structure and Practices of the Debt Buying Industry '' I am requesting the forward-flow agreement between XXXX XXXX and NCB, I also request the full portfolio they bought which says the total amount paid for said alleged debt, I would like to point out that as per said report the FTC alleged that companies fail to adequately verify disputed debts and quoted : " United States v. Asset Acceptance , LLC, No : 8:12-cv-00182 ( M.D. Fla. XXXX XXXX XXXX ), available at http : //www.ftc.gov/ opa/XXXX/asset.shtm ( debt collector settled allegations that it violated the FTC Act by lacking a reasonable basis for representing to borrowers that they owed a debt ( 1 ) when the debt collector had reason to believe certain portfolios contained unreliable data and ( 2 ) after the borrowers disputed the debt ) ; see also United States v. Allied Interstate, Inc., No. 0:10-cv-04295 ( D. Minn. XXXX XXXX XXXX ), available at http : //www.ftc.gov/opa/XXXX/alliedinterstate.shtm ( debt collector settled allegations that it violated Section 5 of the FTC Act by lacking a reasonable basis for representing to borrowers that they owed a debt after the borrowers disputed the debt ) ; United States v. Credit Bureau Collection Servs. , No . 2:10-cv-169 ( S.D. Ohio XXXX XXXX XXXX ), available at http : //www.ftc.gov/opa/2010/03/creditcollect.shtm ( debt collector settled allegations that it violated Section 5 of the FTC Act by lacking a reasonable basis for representing to borrowers that they owed a debt ) ; FTC v. EMC Mortg. Corp., No. 4:08-cv-338 ( E.D. Tex. XXXX XXXX XXXX ), available at http : //www.ftc.gov/opa/XXXX emc.shtm ( mortgage servicer settled allegations that it violated Section 5 of the FTC Act by lacking a reasonable basis for representations that it made to borrowers, including claims about the unpaid principal amount, the due date, the interest rate, the delinquency status, and fees and corporate advances that prior mortgage loan servicers had assessed ). '' Additionally, the FTC has come to the conclusion that original creditors give incomplete file information to debt buyers, with this how can NCB claim to have verified this alleged debt belongs to me or its accuracy? Additionally, I never received a first communication from NCB regarding this alleged debt as required by law ; which is a violation!
12/06/2023	Yes	Debt collection Auto debt	Threatened to contact someone or share information improperly Contacted you after you asked them to stop	FL 33063	Web
LATE PAYMENT SUBJECT : NOTICE OF DISPUTE AND REQUEST FOR LATE PAYMENT/CHARGE OFF REMOVAL DEAR DEAR EXECUTIVE OFFICE I TRUST THIS LETTER FINDS YOU WELL. I AM WRITING TO FORMALLY DISPUTE THE PRESENCE OF LATE PAYMENTS REPORTED BY YOUR ORGANIZATION ON MY CREDIT REPORT. I BELIEVE THESE LATE PAYMENTS TO BE INACCURATE AND UNJUST, AND XXXX KINDLY REQUEST THEIR REMOVAL IN ACCORDANCE WITH APPLICABLE LAWS AND REGULATIONS. THE LATE PAYMENTS IN QUESTION ARE ASSOCIATED WITH THE FOLLOWING ACCOUNT -DATE ( S ) OF LATE PAYMENTS ) : XXXX, XX/XX/2019 until XX/XX/2019 I WISH TO EMPHASIZE MY COMMITMENT TO FAIR AND ACCURATE CREDIT REPORTING. THESE LATE PAYMENTS HAVE HAD A SIGNIFICANT IMPACT ON MY CREDIT WORTHINESS AND HAVE CAUSED ME UNDUE FINANCIAL HARDSHIP AND EMOTIONAL DISTRESS. IT IS MY UNDERSTANDING THAT YOUR ORGANIZATION HAS A RESPONSIBILITY TO REPORT ACCURATE INFORMATION TO THE CREDIT BUREAUS. GIVEN MY BELIEF THAT THESE LATE PAYMENTS ARE NOT REFLECTIVE OF MY PAYMENT HISTORY, I HEREBY REQUEST THEIR REMOVAL FROM MY CREDIT REPORT. THIS REQUEST IS MADE IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT ( FCRA ) AND RELATED REGULATIONS. I ALSO WANT TO BRING TO YOUR ATTENTION AN IMPORTANT MATTER REGARDING OUR ORIGINAL AGREEMENT. THE ARBITRATION CLAUSE WITHIN OUR AGREEMENT OUTLINES A MECHANISM FOR DISPUTE RESOLUTION THAT WE BOTH AGREED UPON. IT IS MY SINCERE HOPE THAT WE CAN RESOLVE THIS MATTER AMICABLY AND AVOID THE NECESSITY FOR ARBITRATION, WHICH COULD RESULT IN SUBSTANTIAL COSTS AND FEES FOR BOTH PARTIES. UCC1-308 15 usc 1692B 16 usc 1666 THEREFORE, I PROPOSE THE FOLLOWING OPTIONS FOR RESOLUTION : OPTION XXXX : REMOVE LATE PAYMENTS I KINDLY REQUEST THAT YOUR ORGANIZATION PROMPTLY REMOVE THE LATE PAYMENTS FROM MY CREDIT REPORT, THEREBY RECTIFYING THE INACCURACIES AND ENSURING MY CREDIT HISTORY IS ACCURATELY REPRESENTED. OPTION XXXX : INITIATE ARBITRATION SHOULD YOUR ORGANIZATION PREFER NOT TO REMOVE THE LATE PAYMENTS, I AM PREPARED TO INITIATE ARBITRATION PROCEEDINGS AS ALLOWED BY OUR AGREEMENT. THIS PROCESS MAY ENTAIL SUBSTANTIAL COSTS AND FEES, INCLUDING MY FILING FEE, YOUR FILING FEE, ARBITRATION INITIATION FEE, AN ARBITRATOR DEPOSIT, AND ANY LEGAL COSTS INCURRED DURING THE ARBITRATION PROCESS. I FIRMLY BELIEVE THAT AN AMICABLE RESOLUTION IS IN THE BEST INTERESTS OF BOTH PARTIES. HOWEVER, I AM FULLY PREPARED TO PURSUE ARBITRATION SHOULD THAT BE NECESSARY TO UPHOLD MY RIGHTS AND ENSURE FAIR CREDIT REPORTING. PLEASE RESPOND TO THIS NOTICE WITHIN [ 14 DAYS ] TO CONFIRM YOUR WILLINGNESS TO REMOVE THE LATE PAYMENTS OR TO EXPRESS YOUR INTENT TO PROCEED WITH ARBITRATION. YOUR PROMPT RESPONSE IS APPRECIATED AND WILL HELP FACILITATE A TIMELY RESOLUTION TO THIS MATTER. THANK YOU FOR YOUR ATTENTION TO THIS ISSUE. I LOOK FORWARD TO YOUR RESPONSE AND THE POSSIBILITY OF RESOLVING THIS MATTER IN A MANNER THAT ENSURES FAIR AND ACCURATE CREDIT REPORTING.
10/02/2022	Yes	Debt collection Auto debt	Took or threatened to take negative or legal action Threatened to sue you for very old debt	IN 470XX	Web
NCB Management Services obtained an out of statute debt originated in XXXX and written off in XXXX, more than seven and a half years have passed which precludes the creditor and any collection agencies from reporting it to my credit bureau. Under the FCRA 15 U.S.C. 1681c -- - an account in collection can appear on a consumer 's credit report for 7 and a half years from the date of first delinquency on the account. More than 7.5 years have passed. That being said, NCB KNOWINGLY and FALSELY reported the " open date ' of the account as XX/XX/XXXX. This is an outright lie. An intentional lie. A willful lie. An outrageously ILLEGAL lie. I disputed the fraudulent lie through XXXX and XXXX. XXXX removed the false fraudulent report. XXXX was allegedly provided with false documentation and kept the fraudulent report on my credit. This original debt was obtained in XXXX and the car was returned shortly thereafter due to dealer fraud ( and disputed due to dealer fraud which is a separate case in itself ) The first date of delinquency was XXXX. NCB has no documentation showing otherwise unless it is creating false documents to violate the FCRA. This also violates FCRA 623 ( b ) ( 1 ), 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ) in which NCB had a legal and federal obligation to investigate and remove the illegally reported item and instead, it produced fraudulent documentation, according to XXXX. Let it be clear, there is no document dated in XXXX that has anything to do with this debt. This debt originated and ended in XXXX with the return of a vehicle in XXXX and a complaint to the state about this dealer ( XXXX ) for fraudulent financial dealings. Any documentation later than XXXX is fake and I will commence legal action against this company if the CFPB does not take action as this is outrageous and illegal. If this company is doing this to me, it is doing this to others and I urge it to audit and investigate these illegal actions. The FCRA provides for maximum penalties of {$4300.00} per violation in the case of lawsuits brought by the FTC. XXXX also failed to properly investigate as required of any Credit Reporting Agency under FCRA 611 ( a ) ( 1 ) ( B ) -- the CRA must review and consider all relevant information submitted by the consumer. XXXX was made aware this debt was out of statute and it ignored additional dispute information. It failed to investigate the claim. XXXX XXXX, on the other hand, rejected the false documentation and removed the report from my credit as it properly fulfilled its legal dispute obligations during investigation. As such, both NCB and XXXX have caused significant damage to my credit by willfully violating federal consumer credit reporting laws. Both should be investigated. This out of statute and false report needs to be immediately removed from my credit.
09/03/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	AL 359XX	Web
According to the Fair Credit reporting ACT 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. '' XXXX and XXXX are consumer reporting agencies and I am the consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " it is the policy of the Congress that each financial system has an affirmative and continuing obligation to protect the privacy of it's customers and to protect the security and confidentiality of those customers ' nonpublic personal information. Furnisher of information to credit agency is a financial institution by definition under title 15 USC 1681 section 604 section 2 states " in general subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructionsof the consumer to whom it relates. '' Furnisher of information to credit agency the financial institution and the consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information or my written consent. Any and all consent to XXXX, XXXX, Furnisher of information to credit agency whether it be verbal, nonverbal, written, implied, or revoked is USC 6802 ( b ) ( c ) states that " a financial institution may not disclose non-public personal information to a non affiliated third party unless -- the consumer is given of explanation of how the consumer that nondisclosure option. Furnisher of information to credit agency never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( d ) ( 5 ) states " except as authorized under subsection ( b ) no consumer reporting agency may make any consumer report containing any of the following items of information other than records of convictions of crimes which antedates the report by more than seven years. This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. code 168s-2 ( A ) ( 1 ) A states " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S. Code 1681e states " Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that a consumer may exercise the right to opt out at anytime. I am opting out of your reporting services.
10/22/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	GA 30315	Web
Per Congress there is abundant evidence of the use of abusive, deceptive and unfair debt collection practices. These illegal practices have led to an invasion of my privacy per 15USC1692 ( a ). XXXX XXXX XXXX and NCB MANAGEMENT SERVICES is in direct violations of my federally protected consumer rights. I use my consumer report to extend myself credit, my federally protected right per 15USC1602G. 15USC1601 states its purpose is to protect me, the consumer, against inaccurate and unfair credit billing and credit card practices. Congress also states credit reporting agencies have assumed its role per 15USC1681 ( a ) ( 3 ). They must report what I instruct them to. 15USC1681s-2 ( 7 ) ( e ) states use of notice without submitting negative information and 15USC1681s-2 ( 7 ) ( g ) ( i ) states no reporting negative information about the consumer. On or around XX/XX/2021, XXXX XXXX XXXX XXXX out the balance on an alleged debt and sold the account to NCB MANAGEMENT SERVICES, an invasion of my privacy & violation of my federally protected rights. I previously commanded XXXX XXXX XXXX to cease all collection of any alleged debt and to cease all communication with me and all 3rd party debt collectors in regards to me for all purposes. XXXX XXXX XXXX is currently in violation of my federally protected rights. My question for XXXX XXXX XXXX and NCB MANAGEMENT SERVICES is did XXXX XXXX XXXX inform NCB MANAGEMENT SERVICES that I demanded XXXX XXXX XXXX to cease all further communication with me and any 3rd party debt collectors in regards to me for all purposes? Before we get to validation per 15USC1692g, the FDCPA states XXXX XXXX XXXX and NCB MANAGEMENT SERVICES must have my permission to communicate with me per 15USC1692c. XXXX XXXX XXXX and NCB MANAGEMENT SERVICES does not have my consent to communicate with me or any 3rd party debt collectors in regards to me for any purpose. 15USC1640 states any debt collector who fails to comply with respect to any person is liable to such person any actual damage sustained. Under federal law, I am entitled to emotional distress, damages, economic damages costs and attorney fees per 15USC1692k and other consumer protection laws. FCRA defines a consumer report as a medium, which is communication. I am NOT requesting an investigation or verification because Congress states XXXX XXXX XXXX and NCB MANAGEMENT SERVICES do not have the power to do so per 15USC1681 ( a ) ( 3 ). I am commanding an expeditious and permanent deletion of adverse account being furnished and immediately and permanently stop reporting for all purposes and to cease any further communication with me and any 3rd party debt collectors in regards to me for all purposes. I never gave XXXX XXXX XXXX or NCB MANAGEMENT SERVICES consent pursuant to federal law 15USC1681b ( 2 ).
03/30/2017	Yes	Debt collection Auto	Communication tactics Frequent or repeated calls	MN 553XX	Web
Describe what happened so we can understand the issue ... A rep from this collection agent did n't catch her name will call about 2 times a day asking to settle the debt. She will call from the XXXX number now it 's been turn into her call from a local number here In our state. XXXX XXXX XXXX, Mn XXXX NCB MANAGMENT SERVICES XXXX XXXX, PA XXXX XXXX Re : Acct # XXXX To Whom It May Concern : This letter is regarding account # XXXX which you claim my account was charged off {$8800.00} This is a formal notice that your claim is disputed. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. My reason for disputing is : my contract was canceled. Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and XXXX ) from your company or any company that you represent, for a debt that I do n't owe, is a violation of the Fair Debt Collection Practices Act ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. Failure to respond within 30 days of receipt of this certified letter will result in small claims legal action against your company at my local venue. I will be seeking a minimum of {$5000.00} in damages for : 1 ) Defamation 2 ) Negligent Enablement of Identity Fraud 3 ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) You will be required to appear in a court venue local to me, in order to formally defend yourself. For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. Consent to publish the description of what happened? Consent provided This is about a ( n ) Debt collection : Other ( i.e. phone, health club, etc. ) Which of these best describes your issue? False statements or representation : Attempted to collect wrong amount DESIRED RESOLUTION
05/08/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	IL 60637	Web
Hello my name is XXXX XXXX, I am a victim of identity theft I've tried to resolve a debt with XXXX XXXX company about a debt is not owe to me and which turned into a collection with NCB Management, I've submitted all of the documents that was asked for ( ex ). ID, ssn, police report, and affidavit, but in return the items came back verified but how is that when I never sign any documents or gave verbal permission to use my identity, I've asked XXXX and NCB Management for a reinvestigation on my behalf, but they refused my request. this is the letter I've sent to XXXX and NCB Management. XX/XX/ To : NCB Management Services Contract Number XXXX From : XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX Dear NCB Management Service XXXX XXXX XXXXXXXX XXXX XXXX Pursuant to the FCRA & the FDCPA, I now exercise my lawful right to question the validity of this debt your agency claims has come due. Fair credit reporting act 609 disclosures to consumers : ( c ) ( 2 ) ( E ) : A consumer reporting agency is not required to remove accurate derogatory information from a consumers file, unless the information is outdated under section 605 or can not be verified. Fair Credit Reporting Act 611 ( a ) 1 ( A ) Procedures in case of disputed accuracy : ( a ) Re-investigation of Disputed information ( 1 ) Re-investigation required ( A ) in general. Subject to section ( f ), if the completeness of accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or in directly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable re-investigation to determine whether the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, I demand to see a copy of the Verifiable, Validated so called proof ( an original Consumer Contract with a wet-ink Signature on it, copies of copies are not Validation and by law are not considered proof, that you have on file for the account listed above Under the FCRA, unverified, invalid account must be removed. If you are unable to provide me with the original copy of the verifiable/validated proof that you have on file within 30 days from the receipt of this notice, for the account listed above then you at once remove the account from XXXX XXXX credit Report. I demand the account be verified or removed immediately! The law is very clear as to the Civil liability and the remedy available to me for the negligent noncompliance ( section 617 ) if you fail to comply with this Federal Law. Sincerely XXXX XXXX
09/03/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NC 28273	Web
According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX and XXXX are consumer reporting agencies and I am the XXXX. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' The financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' XXXX, XXXX XXXX XXXX Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
09/02/2023	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	CA XXXXX	Web
I am writing to formally lodge a complaint against NCB XXXX XXXX, a debt collection agency, for their unjust and unethical practices in attempting to collect a debt that has not been properly verified and is beyond the statute of limitations. I am deeply concerned about their approach, which appears to violate the Fair Debt Collection Practices Act ( FDCPA ) and other relevant consumer protection laws. I recently received communication from NCB XXXX XXXX. in the form of an invoice and a copy of a bill, both of which are being used as evidence to support their claim for debt repayment. However, I find their approach inadequate and problematic for the following reasons : 1. Failure to Verify Debt : According to the FDCPA, debt collectors are required to provide validation of a debt upon request. I have made an official request for debt verification, and all I received in response was a copy of a phone bill and an invoice to pay. This does not constitute sufficient verification of the debt 's legitimacy and accuracy. 2. Expired Statute of Limitations : The debt in question is beyond the statute of limitations, which means that the legal timeframe for pursuing collection actions has expired. Despite this, NCB XXXX XXXX, is attempting to collect the debt, which raises concerns about their adherence to legal guidelines and ethical standards. XXXX. Insufficient Documentation : A mere copy of a phone bill and an invoice does not provide the necessary documentation to prove the validity of the debt. Without detailed information and proper validation, it is impossible for me to assess the accuracy of their claim. XXXX. Furnished the written validation notice within the required time period and otherwise complied with applicable validation requirements ( XXXX XXXX. XXXX XXXX. Company has no Contract between XXXX XXXX and NCB XXXX XXXX, I kindly request that the Department XXXX XXXX XXXX and XXXX thoroughly investigates this matter and takes appropriate action against NCB XXXX XXXX. if they are found to be in violation of consumer protection laws. I believe their actions not only undermine my rights as a consumer but also contribute to the erosion of trust in the debt collection industry as a whole. I am attaching copies of all relevant correspondence from NCB XXXX XXXX, as well as any communication I have had with them. I appreciate your attention to this matter and your commitment to safeguarding consumer rights. Please feel free to contact me at XXXX or XXXX if you require any further information or clarification regarding this complaint. I look forward to a swift resolution to this issue and the restoration of my rights as a consumer. Thank you for your time and consideration. Sincerely, XXXX XXXX
07/10/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	UT 846XX	Web
I am requesting an investigation and deletion of this debt. See Following Information Regarding Dispute, Account Information : Original Creditor XXXX - XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX - Acct. # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX Dates associated with items being disputed : Account originally opened with XXXX on XX/XX/XXXX Account opened with NCB Collection agency on XX/XX/XXXX Explanation of item being disputed : I applied for a loan in the amount of {$1400.00} on-line with, XXXX XXXX XXXX XXXX, XXXX Floor XXXX XXXX XXXX CA. XXXX, on XX/XX/XXXX, and was approved for the loan through, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. I was scheduled to get the first direct deposit on XX/XX/XXXX, however I never received that deposit, after contacting XXXX and sending an email on XX/XX/XXXX, with my bank records dated from XX/XX/XXXX thru XX/XX/XXXX it was found that XXXX had the wrong account number for my checking account. XXXX supposedly fixed the error and rescheduled a second direct deposit for XX/XX/XXXX. However once again that direct deposit also did not go through correctly. I made numerous phone calls regarding the loan to XXXX, and the issue was never resolved, nor did I ever receive the loan. I sent another email on XX/XX/XXXX, to XXXX advising in writing that I did not receive the loan and demanding that XXXX cancel the loan and remove it from my credit report immediately. I then received a bill for a loan that I never received, I called XXXX again, and again sent XXXX another email on XX/XX/XXXX with bank statements from XXXX and XXXX attached for proof to dispute the bill for a loan that I never received and demanding that the loan be canceled and to remove it from my credit reports. This was never done by Upgrade, I then received a notice of collection in XXXX of XXXX that was dated on XX/XX/XXXX, from the following Debt Collector : XXXX XXXX XXXX - XXXX Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA. XXXX Phone : ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX a debt collector hired by the following collection agency : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Phone : ( XXXX ) XXXX I am not responsible for a XXXX/ XXXX that I never received and repeatedly tried to get XXXX to correct or cancel the loan, I included supporting documentation to XXXX as proof that I did not receive this loan and disputed it. I have been repeatedly ignored by XXXX management after asking time and time again for a return phone call. I request that this item be thoroughly investigated and deleted from my Consumer Credit Report Immediately. Thank you in advance for your assistance in resolving this matter quickly. Regards,
07/29/2018	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was paid	NY 11510	Web
I had a loan with XXXX XXXX where the loan terms were predatory. I did business with a car dealer in XX/XX/XXXX in XXXX NY that was shady to say the least. I purchased a {$15000.00} vehicle and gave {$5000.00} as down payment in XX/XX/XXXX. I had to start a new job the following day and rushed through a process that I would normally take my time on. In XX/XX/XXXX without missing a payment of {$450.00} a month for 5 years my loan was still {$14000.00}. Five years of not missing a payment and the loan went down {$500.00}? The dealer kept my deposit and did not put it towards the price of the car. I called XXXX XXXX to negotiate a new loan and they declined to help, saying that they would give me a lower payment but only for 6 months. I refused. After 5 years of paying {$450.00} a month I had already paid {$27000.00} on a car worth less than {$15000.00} and XXXX was not willing to negotiate a fair loan. I then asked for a Voluntary surrender of the vehicle and they came and retrieved the car. Later I received a letter from XXXX saying they auctioned the car for a few thousand dollars and I was responsible for the rest. I believe XXXX sold the vehicle for about {$8000.00}. Therefore XXXX collected {$27000.00} worth of payments from me plus {$8000.00} from an auction. Thats {$35000.00} on a car worth less than {$15000.00}. Then sold the debt to a debt collector named NCB Management Services on top of the {$35000.00}. Then I get a call from NCB Management Services. I tell them the story and tell them that I don't intend to pay another dime. This was in XX/XX/XXXX. Now in XX/XX/XXXX I need to buy a home for my family of 6 and NCB shows a collection on my credit report. I call NCB and tell them clearly that I want to pay this loan off to have the collection deleted from my credit report. I was very clear when I said I will only consider paying more money towards this car if the collection is removed from my credit report. Over the phone the person understood and knew exactly what I needed. I payed {$2000.00} more to settle the debt. I made the payment on XX/XX/XXXX and on XX/XX/XXXX the collection is still showing on my credit report. It does show a XXXX balance but my request before agreeing to pay was to have the collection deleted from my credit report. It is obvious that I paid XXXX and NCB enough money as to not be punished with this collection on my credit report. NCB used deception to collect this money which continues the same trend from the XXXX loan of negatively affecting my financial status since I will be paying a higher mortgage because NCB did not do what they told me they would.
05/25/2018	Yes	Debt collection Payday loan debt	False statements or representation Impersonated attorney, law enforcement, or government official	OH 452XX	Web
Received a call from this collection company on my daughters phone. How they got her number, i have no clue because the original creditor doesnt have her number. XXXX XXXX calls me about my account with XXXX. Now mind you, i have been corresponding with them since I got laid off in XXXX. I end them updates every few weeks to let them know the progress of my unemployment application. I have sent them copies of everything as well as original documentation from my former employer. XXXX XXXX stated they mailed me a letter on XX/XX/XXXX to my current address and I informed him that i never received anything from them. He had all my personal information and stated he was calling to see how i wanted to move forward in resolving this matter. I told him i have been unemployed for 5 months and i am looking for employment. I am behind on my mortgage and other bills so this bill was not my full concern at this time. Securing me a place to stay was more important than this bill. He said i was approved for a " hardship '' application and i asked him for documentation to show the legitimacy of this company, the hardship application etc. He stated he would send me a confirmation email once i set up a payment arrangement. I gave him a pre-paid debit card that i no longer use to see if the company is legit and when i looked up the information, they are known for defrauding people and collecting information once a company sells the debt. I contacted XXXX XXXX company to question them about this and they told me they had sold or settled my account because I have been making payments and corresponding with them as well as giving the legal documentation from unemployment and my former employment. The balance the guy told me was incorrect as well and he even said I have been making timely payments but then everything stopped. Thats where the red flag went up. I have filed complaints with the Ohio Attorney generals office, consumer finance and I am filing a police report as well because they are trying to get over on me and I still havent received a confirmation email or documentation to validate this company and or account and i have not received a contract of anything either. I called our local phone companies to have them blocked and reported this company for harassment since they phished the internet for my daughters phone number. I have also alerted all 3 credit bureaus and Consumer internet crimes along with the internet crimes department of the FBI. A company similar to this did this very thing just a few months ago and took everything I had. I refuse to go through this again.
07/06/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	TX 77584	Web
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. 1. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. Account Name : NCB Account Number : XXXX Please remove it from my credit report. 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 dont 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.Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. PLEASE DELETE ALL ACCOUNTS THAT ARE NOT XXXX XXXX COMPLIANCE. Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately. PLEASE BE AWAR THAT DEPENDENT ON YOUR RESPONSE I MAY BE DETAILING ANY POTENTIAL ISSUES WITH YOUR COMPANY VIA ONLINE PUBLIC PRESS RELEASE INCLUDING DOCUMENTATION OF ANY POTENTIAL SMALL CLAIMS ACTION. I AM ALSO INCLUDING A COPY OF MY COMPLAINT TO THE ORGINATION BELOW : CC : XXXX XXXX ASSISTANT DIRCTOR OF ENFOREMENT CONSUMER FINANCIAL PROTECTION BUREAU CC : CONSUMER FINANCIAL PROTECTION BUREAU CC : XXXX XXXX XXXX CC : STATE SENATE CC : FEDERAL DEPOSITE INSURANCE CORPORATION CC : COMPTROLLER OF CURRENCY CC : CREDIT AND INSURANCE CC : STATE REGULATORY AGENCY
09/15/2016	Yes	Debt collection Auto	Cont'd attempts collect debt not owed Debt was paid	TX 77021	Web
First I like to explain that my choices above do n't match my situation that I am faced with. Although I do n't owe anything on this debt and it can not be collected. I did n't have the right choice so I put the dot in the Debt was paid spot. Now, I had a car that was repossessed in Texas. I had the car through XXXX XXXX who was my lender in XXXX/XXXX/2012. After the repossession XXXX did n't follow Texas Repossession Law. I asked NCB Management Services Incorporated to validate that this is a collectable debt under my rights as a consumer. I am going to provide all the information that I asked NCB Management Services Incorporated to return all the information that I need. Based on Texas Repossession Rights : Vehicle Information ; Year : Make Model Vehicle Vin Number : When the last payment was made month & year? When was the vehicle picked up month & year? What address was the vehicle picked up at? Who was the original lender? What address you send any letters to concerning the buy the car back? What address you send any letters to concerning the date of the vehicle sale? What capacity the car was sold in auction, private, bank sale and Date & Month? After or Before the sale did you provide in full detail the financial itemized report on damages, deficiency judgment, mechanical work itemization, and amount of sale letter How much was the car worth before the sale? How much was the car sold for at the sale? Provide all certified letters that were mailed out to the consumer by Texas Repossession Law. That notified the consumer what transaction was taking place on the vehicle. Under Texas Repossession Law the Consumer must have all this information and if the lender has not contacted the consumer on the sale of the car then the consumer is not liable for the remaining balance. I am asking for NCB Management Incorporated to be removed off my credit report because I asked them to provide to me this information within 30 days and they failed to d so in the allotted time frame. I would like an investigation done on my rights as a consumer under Texas Repossession Law. I ma providing a audio recording of the conversation with NCB Management Services Inc and my Personal Financial coach XXXX XXXX. In which they claim they do n't have to prove anything to the consumer that their collection efforts are valid. That is not true by the FDCPA, Fair Debt Collection Practice Act in which we have the attachments they needed to prove to me that their efforts as a collection company is fair to the Law.
06/13/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	VA 20170	Web
- NCB Management services have been contacting me for at least 6 months now for a loan ( A/C # XXXX ) that I don't own. I already have confirmed that the XXXX XXXX XXXX account ending in XXXX is not mine. I have communicated this information to NCB. - NCB reported this account to credit reporting agencies. Interestingly, the account opening or good standing never appeared on the credit reports. It appeared in the collection for the first time. ( A gray area and opportunity to improve the way debt collectors work ) - I inquired with XXXX and they told me to work with the collection agency. - I inquire NCB what do you need to establish that this is not my account. They asked for a identity theft police report. A police report number was provided to the NCB representative over the phone. However, they asked for the copy and a policy copy was mailed on XX/XX/2023. - On XX/XX/2023 XXXX XXXX a representative of NCB said that they need their investigation packaged to be filled. - The investigation package was completed and delivered to NCB in XXXX. - On XX/XX/2023 a conference call held between NCB representative XXXX and XXXX representative, XXXX. The whole case was discussed. XXXX confirmed the receipt of police report and all the initial discussions with NCB. - XXXX from XXXX suggested to file an FTC identity theft complaint. In addition she suggested to have a fraud alert on file. She also asked for a copy of the police report. These all things provided to her too. XXXX and other reporting agencies removed this item from my credit file. - Just when I thought it was done and dusted. NCB again started to call me and ask for money. I talked with XXXX XXXX from NCB on XX/XX/2023. She looked at her record and said yes we have a copy of the police report but we need two forms of IDs. Which I sent to NCB on XX/XX/2023. - Comes XXXX and now NCB is again calling. I talked with XXXX on XX/XX/2023, he said he ia supervisor at NCB. He said he would look into it. - But now XXXX XXXX on XX/XX/2023 from NCB is calling and rudely asking for money or settlement. He said he would report it to credit agencies. I requested him to transfer my call to XXXX or XXXX. He made a lame excuse and kept on talking. - This whole identity theft is horrible. - I have done every possible thing and provided everything needed. I have been asking NCB what else do you need to establish that this is identity theft. But a refusal to say anything, they said it's not our responsibility to tell you what to do. seriously?
04/03/2015	Yes	Debt collection Credit card	Communication tactics Threatened to take legal action	NJ 08012	Web
I have received multiple calls from an agency claiming to be a debt collector. I do believe they could be but have yet to have them identify themselves in any way other than over the phone. They seem to have my name and now definitely have my address and month and day of birth. All I have is a phone name, phone number, address and repeated requests for my banking information. I also have him accusing me of not being willing to work with him to resolve this debt. I tried several times to get him to understand that I would not be giving him any banking information over the phone and he jumped right to me refusing to work with him. I think he finally understood that I was going to set up an automatic payment to his company via my bank. I did ask him to prove to me that he was indeed who he said he was and that he was with a legitimate debt collection outfit. He offered me a phone number to XXXX XXXX XXXX instead. At some point I told him that I was aware of the Fair Debt Collection Act and that he should read it. He also insinuated legal action in an earlier call this morning as well as after I told him I would not be setting up an automatic withdrawal through his outfit. I told him again to send whatever information he wished to me via XXXX again. He then insinuated legal action by saying that if the XXXX of every month was good for me he needed to give me an extension to avoid legal action. After more of this, I told him things were getting weird and that we were done speaking. I get that I owe money. I, like so many other Americans, have fallen on some really XXXX hard times. I am proud to say that I have not had to resort to going back on XXXX AND that I have a freaking job FINALLY ( XXXX! ). I am a single, now-working-dad living at home with his XXXX year old Mom. All this after a crazy-making contentious divorce. I am trying to get my life together and having additional and unnecessary drama created in so doing ai n't helping me OR untold numbers of Americans. I honestly hesitate to even file a complaint because I am and have been quite discouraged with how much ever day normal people have to contend with from a lack of any protections. I want to do the right thing. I am trying. And I almost fall for what could be a total scam? For the love of giving the people a bit more power than we are lead to believe we have, DO SOMETHING. I am lucky as I have learned through, quite honestly, bad choices, to advocate. And I am trying!!!
06/13/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	GA 30338	Web
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, GA XXXX NCB Management Services Inc. XXXX XXXX XXXX XXXX , PA XXXX RE : NCB File # : XXXX ( On behalf of XXXX XXXX XXXX XXXX , XXXX D/B/A XXXX Acct # : XXXX ) To Whom It May Concern : This letter is in regard to reference number : NCB File # : XXXX account number : XXXX, which you claim I owe {$5200.00} to XXXX XXXX XXXX XXXX , XXXX D/B/A XXXX XXXX. This is a formal letter that your claim is disputed. I am requesting validation, made pursuant to the Fair Debt Collections Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note I am requesting validation, that is competent evidence bearing my signature, showing that I have or had some contractual obligation to pay you. Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and XXXX ) from your company or any company that you represent, for a debt that I dont owe, is a violation of the FCRA and FDCPA ; therefore, if you can not validate the debt, you must request that all credit reporting agencies delete the entry. Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. Failure to respond within 30 days of receipt of this certified letter may result in small claims legal action against your company at my local venue. I would be seeking a minimum of {$1000.00} in damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( Including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( Including but not limited to Section 623-b ) Please Note : This is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only and is not a statement, election or waiver of status. I contacted this company by certified mail on XX/XX/2019 and I have not received any credible response showing my signature on any documents showing where I owe this debt. This company has filed a collection report with all three credit bureaus without validating my signature. Please force this company to validate my signature that I owe this debt. If they don't respond in 30 days, please make them remove all collection notices with all three credit bureaus.
08/29/2020	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	IA 507XX	Web
This matter started back in XX/XX/XXXX after I received a letter from NCB. See attached. NCB letter stating : Dear XXXX XXXX, Your XXXX XXXX XXXX XXXX XXXX accounthas been purchased by our our company, NCB Management Services , Inc. Now that we own and service your account, you may be eligible for payment options that werent available before XXXX XXXX XXXX XXXX charged off an account. Since XXXX NCB has handled this as a debt collection matter and the account as a charge off. I replied to NCBs letter and requested validation disputing the debt and their failure to notify me writing within 5 days of the initial phone call NCB made in XX/XX/XXXX.I followed up again disputing the debt and the failure to provide written notice within 5 days. In XX/XX/XXXX Experian posted a notification, from NCB that the previous balance was reported as a new balance. On XXXX I was notified by XXXX that NCB was reporting my account as 30 days past due to XXXX. My complaint consists of multiple parts. 1 ) NCB exceeded 5 days where a debt collector provides written notification to the debtor. 2 ) NCB acquired the debt in XXXX from XXXX XXXX XXXX XXXX who charged off and continued to show as charge off through XX/XX/XXXX. Then NCB reported new balance activity and has changed from a charge off to a delinquent account for debt collection. Since NCB acquired as a charge off it is against FDCRA to report the same charge off as a delinquent account. The balance of {$3700.00} remains the same going back to NCBs XXXX letter. 3 ) A collection account is considered a continuation of the original debt. It is a violation of law for a collection agency to report old past-due amounts as if they are new again when the debts are sold. Reporting old debts with false updated activity dates, may violate certain sections of the FDCRA. When NCB reported new balance to credit bureaus in XXXX they were knowingly violating FDCRA, by reporting as new balance. 4 ) By NCB neglected to communicate in writing in XXXX at the same time they reported to credit bureaus. NCB has been reporting charge off to credit bureaus since XX/XX/XXXX. A charge off can not be reported as a new balance and delinquency 2 years later. I have not received any written notification, from NCB about a new balance or new activity. This egregious action by NCB denies me the right to dispute. Currently I added a security alert to my XXXX report.
03/29/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	FL 34786	Web
XXXX, XXXX XXXX XXXX XXXX SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX NCB MANAGEMENT SERVICE XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. ( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). ( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. The reference items are listed below please take this matter very serious NCB MANAGEMENT SERVICE XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District XXXX for the XXXX XXXX XXXX XXXX Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX
12/20/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 77074	Web
NCB management services is impossible to deal with. I went to a dealer to get a loan with my wife. We applied and got approved threw XXXX. We went in and signed. After signing they asked for my proof of income, proof of residence and my drivers license. I provided the dealer with all the requested information. Unfortunately my license was suspended and expired at the time. The dealer told me I could not be on the loan, and my wife would more than likely not qualify by herself but they would try. The resubmitted the loan in just her name and she was approved. She went in and resigned in just her name only. We took the car home. I some what recently found that my name was in the loan. I could not be on the loan because my license was expired and suspended. I have tried multiple times to correct this via different avenues, but NCB management insist that there 's is not a mistake. They sent me a copy of all documents they had, in the documents was the contract i signed that wasnt valid because my licsense was suspened and expired, and a copy of my drivers license. That copy of my drivers license had a valid experation date, but you could clearly see that the date had been changed as it did not match the font of the rest of the drivers license. The dealership changed the date on my license and went with the first contract. The dealership commited fraud. When I spoke to them on the phone told them what happened and told them that it violates my rights, they said " do n't throw around terms you do n't understand ''. They also said they only way they would consider removing the item from my credit was if I filled a police report. I call the city police department where I purchased the vehicle, because the loan was opened 10 years ago, they informed me that it was past the statute of limitations for fraud. I can not file a police report. I no longer have the license from 10 years ago. I asked NCB if XXXX verified my identity, by verifying the sent documents? They said it 's not up to the lender to verify documents, that they took it on good faith from the dealership. They opened the account without verifying my identity, cause if they had verified it, they would have sent the contract back because my license was expired and suspended, and the documents did not match. XXXX violated my rights by opening an account without verifying my identety.
04/01/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	OH 43119	Web
Notice for Proof of Claim Account : NCB MANAGEMENT SERVICES # XXXX ToWhom it may Concern : This is a this complaint is submitted Under OHIO LAW U.C.C1319.12 Taking assignment of debts States ( C ) No collection agency shall commence litigation for the collection of an assigned account, bill, or other evidence of indebtedness unless it has taken the assignment in accordance with all of the following requirements : Credit contracts are non-assignable even if the contract has a clause for assign abilitybecause it violates contract Law. Where there is no fair valuable consideration given, the contract or agreement is void ab inito. The debt is non-transferable. If it is a contract for credit or goes to the character of the parties, it can not be transferred or assigned. No state can make a law impairing contracts, Under OHIO LAW U.C.C 1319.12 Taking assignment ofdebts ( 3 ) The assignment was manifested by a written agreement separate from and inaddition to any document intended for the purpose of listing the account, bill, or other evidences of indebtedness with the collection agency. The written agreement shall state theeffective date of the assignment and the consideration paid or given, if any, for theassignment and shall expressly authorize the collection agency to refer the assignedaccount, bill, or other evidence of indebtedness to an attorney admitted to the practice oflaw in this state for the commencement of litigation. The written agreement also shalldisclose that the collection agency may consolidate, for purposes of filing an action, theassigned account, bill, or other evidence of indebtedness with those of other creditorsagainst an individual debtor or co-debtors. XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX, XXXX Id XXXX. Once the Creditor writes off a debt, it can not be assigned orCollected. Since this is an error I demand that you send me the following proofs. As you areobligated to do in accordance with the Fair Debt Collection Practice Act. Section 1692 ( g ) : Under the Law, FDCPA, Section 1692 XXXX g ), you have 30 days to supply these proofs, if moretime is needed please contact me by certified mail and I will extend you 15 extra days. I alsorequest to see a certified copy of any contract or agreement between you and the originalcreditor that gave you the right to collect this debt.
01/21/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	LA 701XX	Web	Older American
1. On XXXX XX/XX/2022, I received a letter through the XXXX from a company identifying itself as NCB Management Services Inc . The letter claimed they were acting as a debt collector for a loan issued through XXXX XXXX, c/o XXXX XXXXt ( two banks I had never heard of nor have ever had any business dealings or accounts ) and were demanding payment of a -supposed- {$3900.00} debt. By the time I saw the letter it was too late in the day to call this company, so I waited until the next morning. ( NOTE : The day before, I had received a disclosure letter from NCB that outlined their policies on collecting consumer info, etc. Since I had no idea what this was about, I had set it aside. ) 2. On XXXX XX/XX/2022, I called the number for NCB Mgmt. Serv. Inc. I spoke to one staffer, explaining the debt could not possibly be mine. I was then transferred to a woman identifying herself as " XXXX XXXX '' and claiming she was a supervisor. She insisted NCB had purchased the debt from XXXX XXXX, our phone conversation was being recorded and she wanted " to help me settle this debt ''. I informed her " they would not get a penny from me, because it wasn't my debt '' and promised I would get this resolved. 3. After an online search, I obtained a phone number for XXXX XXXX ( in Utah - I live and work in a different part of the country ). That staffer confirmed I did not have any loan connected with their bank and gave me a phone number for XXXX XXXX 4. I then called XXXX XXXX and spoke to a staffer there, who checked the info I gave her from the letter. She spent several minutes in this task. Then, she recommended I contact identitytheft.gov ( which led me to this site ). 5. Next, I called the 2 local banks where I had applied for the PPP grants for my business ( and both those grants were approved for Loan Forgiveness ). One of the bank managers did some additional checking with their fraud department and she informed me this was a scam - instigated by people using the publicly available data on the PPP loan recipients to coerce those recipients to believe they still owed money to the PPP Loan program. 6. I was advised to put a freeze on my credit reports ( done ), and am now contacting this agency with my experience. 7. Initially, I was planning to respond to the NCB letter, but have now decided to ignore them.
04/29/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	PA 19061	Web
My purpose for submitting this complaint today is because, in my attempt buy my first home, I have run into an unforeseeable issue with a debt collection company that has brought this prospect to a complete halt, and I believe has potentially infringed on the rights granted to me by the FCRA. Quite some time ago, XXXX of XXXX to be exact, I opened a secured credit card with XXXX XXXX. Unfortunately, not long after opening the account I was laid off from work and underwent a period of financial hardship ; and I could no longer keep up with the payments. I received a notice from XXXX on XX/XX/XXXX informing me that my account was charged off and owing in the amount of {$890.00}. At that time I simply couldnt afford to pay that amount. I later received a letter on XX/XX/XXXX from NCB Management Services Incorporated, stating that they were collecting the {$890.00} debt on behalf of XXXX, and I decided to just go forth and pay it as I was beginning to look into purchasing my first home, as well as possibly financing other endeavors, and could no longer afford for there to be this stain on my credit record. Arrangements were made with NCB to settle/resolve the debt, and to my knowledge, that was that. I spent the next year or so saving money for a down payment and preparing myself for the new financial venture that is purchasing your first home. So, when I recently went to go apply for a mortgage, I was baffled when the loan officer reported back that I would have to pay that same very debt to XXXX in order to get approved. I went back to the NCB website, the collection agency to whom I made the payment, and found my account with a {$0.00} balance. I went forth and filed a dispute with all three credit bureaus. This only resulted in the past due balance being updated to a more recent month on my credit report and having an even worse impact on my score than it had before. This debt is now past the statue of limitations for Pennsylvania ( 4 years from the date of last payment, reported as XX/XX/XXXX ) but is somehow still actively hindering my ability to buy a home for my family to this very day. I searched NCB on the BBB and found similar consumer complaints. It appears they may have a history of not forwarding payments back to the original creditors they are servicing the debt on behalf of.
09/29/2022	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was result of identity theft	PA 19111	Web
My name is XXXX XXXX my consumer Rights are being taken advantage of by these debt collectors, XXXX XXXX XXXX and NCB Management services inc for committing identity theft with my name.Please know i never gave no permission for my personal information being public and shared by non affiliated third parties which under federal law is a violation under 15 USC 6802 ( B ) and i the consumer, was not given notice before the the initial disclosure, to direct that such information not be disclosed to third party under 15 USC 6802 ( B ) 1c. With that said brings up yet again another violation under 15 USC 6802 ( B ) 1c, were i wasn't explained or shown clearly how to exercise my rights as a consumer to that nondisclosure from a consumer credit transaction between me and XXXX, to opt out of furnishing information to non affiliated third parties.Because of this fraudulent agreement/contract my personal nonpublic information was furnished to credit reporting agencies which was not of my consent and then stolen by NCB management who now says i owe them a debt which on XX/XX/2022 i requested validation and have not received up until now but they are communicating to me via consumer report, but still hasn't sent me any documentation that they can even collect on the alleged debt. I have reached out to XXXX and XXXX and XXXX on XX/XX/2022 about them furnishing this unverifiable collection attempt and they still report this fraud on my consumer report. I am legally refusing to pay debt under 15 USC 1692c ( c ) and i am demanding that all illegal activities of debt collection cease and desist immediately from NCB management services and all other third parties involved. If i don't find remedy to cure these violations of my right to privacy under federal law, i will have no choice but to file a lawsuits which i will be looking for actual damages caused from these companies unfair practices. NCB management services inc and all other third parties involved to be criminally liable and persecuted for aggravated identity theft pursuant 18 USC 1028A, extortion mail fraud and theft by deception. Please note that i went through all channels to get this problem solved and i am giving formal notice that i intent litigation if my demands aren't met you have been hereby notified Pursuant XXXX XXXX.
06/07/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	AZ XXXXX	Web
I have received your notice that you have bought the alleged debt. Once again you are impersonating a creditor. If XXXX stated NCB MANAGEMENT bought the debt and RISECREDIT closed account and removed from their system you bought the debt wouldnt that be considered your debt you are liable for. Your company not only bought the debt but obtained my personal information without MY permission. I do not know you neither went into business with you. This is identity fraud. I am the grantor of the credit I extend my credit which makes me the? I have a right to privacy in my personal transaction! You are damaging my credit! You did not send me a request to access my credit account neither did I give you MY personal information. Your company has my personal, private information that should only be obtained if I give the company the right to do so. You are NOT a company I ever did business with. I will file a IRS 3949a form on NCB AS WELL AS XXXX AND XXXX for not doing a proper investigation and not getting my consent to furnish fraudulent information to my credit account. Do your company read laws on securitization and XXXX ACCOUNTING? This is redundant and I have sent multiple notices to you to cease and desist all collection activities and remove from my report due to identity theft because I did not give you my personal information which means you got the information fraudulently. XXXX is in violation as well for selling my personal information to an unknown 3RD PARTY. You are not the creditor neither did I give NCB management my information. XXXX closed this account you bought the debt YOU are liable! I DO NOT KNOW YOU OR YOUR COMPANY thats damaging my consumer report! Have you read the privacy act, or fair debt collect practice act even ftc laws! You are in violation and could face criminal charges if you proceed! I did NOT do business with you so you shouldnt have my PERSONAL information! Thats identity theft and impersonating a creditor is fraud! YOUR COMPANY JUST SENT ME A LETTER STATING A data breach in your system. NOT ONLY DID YOU OBTAIN MY INFORMATION WITHOUT MY KNOWLEDGE AND CONSENT NOW YOU HAVE PUT MY PERSONAL INFORMATION AT RISK DUE TO YOUR COMPANY NEGLIGENCE! This is how your company operates than you should be shutdown immediately!
08/31/2021	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt is not yours	VA 239XX	Web
I have contacted this company on several different occasions regarding the company fraudulent attempt to collect a debt. The FDCPA provides debtors with a means for challenging payoff demands, and for determining the validity and accuracy of asserted debts. 15 U.S.C. 1692g. A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt The false representation of ( A ) the character, amount, or legal status of any debt ; or ( B ) any services rendered or compensation which may be lawfully received by any debt collector for the collection of a debt. I requested that this company provide proof of ownership and the company refused to do so. The court has recognized that a consumer should not have to pay a debt to one party only to find out later that another party is the true owner XXXX XXXX XXXX XXXX XXXX. Adequate proof of ownership is essential because debt buyers purchase large portfolios of accounts. A debt buyer must prove it has been assigned an account through proper documentation specifically related to a particular account at issue. XXXX XXXX XXXX XXXX XXXX XXXX This company failed to provide such documentation. The courts have held that a memorandum or other statement from the debt buyer of 3rd party collector that it has received assignment of account at issues is insufficient. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I requested a copy of the original authentic contract to verify the validity, terms and conditions of alleged debt. I requested a full authentic billing statement that would show the attempted balance is correct. The company failed to provide such information. Without being able to proof ownership, a contractual obligation, or certify a balance this company is in default of the Fair Debt Practice Collection Act. I provided affidavits of truth as well in an attempt to resolve this matter as permitted by the Federal Civil Procedure Code and the company failed to provide a rebuttal and is currently in default. Furthermore I have never provided the " original creditor '' with any permission to provide my information to a debt buyer or 3rd party collector. This company is infringing on my right to privacy.
10/06/2021	Yes	Debt collection Auto debt	Written notification about debt Didn't receive enough information to verify debt	WI 54601	Web
I am writing about my problem with ncb management. I requested on XX/XX/2021 via email the verification of debt. I had spoke to a supervisor on the XXXX who told me to send a email with all the information I was looking for. So I did that and was told if I didn't receive anything within a week to call back. When I did I was directed to mr. XXXX who said he will be handling the matter from now on. He gave me his personal number to reach him. When I spoke to Mr. XXXX he stated that they sent a email to me and he provided the email address it came from and I told him I had not gotten any email. He said okay well I can send it to your address and asked for my address. I provided it and still didn't receive anything. I called on XX/XX/2021 and left a voice-mail for Mr. XXXX asking what the status of getting the verification as I still haven't received it. I still have yet to get a call back or verification of debt. I then sent a email inquiring about the verification of debt on XX/XX/2021. I still haven't received to response. I then sent another email on XX/XX/2021 telling them I would like to get the verification or debt and some sort of response. The reason I am asking for verification is because the original company I had the loan through agreed if I returned the car and paid them XXXX the debt was settled as they sold the car for over XXXX So to my knowledge it was completely settled. I then noticed on my credit report that i now have this huge debt with ncb management. I called XXXX XXXX who said my account isn't open so they can't give me any details. So that is when I reached out to ncb management on XX/XX/XXXX. Mr. XXXX stated once I get the verification of debt that i could call him and he will discuss with me what he had sent. I feel this isn't right as I was told by the original company it was settled so I wanted proof of what I supposedly owed. From my understanding I was supposed to receive within 30 days the verification of debt and I haven't and the company isn't responding I will try to attach the emails to this so you can see i have been trying to communicate. My initial contact with them was through a employee named XXXX XXXX, every communication after was with Mr. XXXX, email and voice mails were left.
03/20/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NJ 088XX	Web
NCB Collection Agency XXXX XXXX XXXX Acct # XXXX in the amount of {XXXX} has placed erroneous details on my consumer credit report, in which is currently causing me collateral damages for an investment deal in the amount of {XXXX}. UCC-9 Part 6 ( 9-625 ) REMEDIES FOR SECURED PARTY 'S FAILURE TO COMPL WITH ARTICLE. ( a ) Judicial orders concerning noncompliance. ( b ) Damages for non compliance states subjects to subsections ( c ), ( d ) and ( f ) a person is liable for damages in the amount of ANY loss caused by a failure to comply NCB and XXXX failed to provide me with proof of receipt of the pre-sale letter advising the vehicle is being sold in a public/private sector/auction. 15 U.S. Code 1681 ( a ) Fair Credit Reporting Act # 2 exclusions 15 U.S. Code 1605 Truth in Lending Act Finance Charges includes an insurance premium that covers a lender if a obligor defaults or other credit loss is embedded in the finance charges. NCB and XXXX XXXX XXXX list the alleged debt as charge-off/collection inaccurate reporting ; a charge-off is a cancelled debt therefore XXXX collected the insurance premiums, list the account as a charge-off, which means XXXX XXXX XXXX not only collected the insurance but also got a tax deduction, then further went to sell this alleged debt to a debt collection agency ( NCB ) or debt buyer which means XXXX got paid 3x on this alleged debt not to mention insurance and tax fraud. I will pursue remedy for collateral damages on this current real estate investment deal and any other future real estate investment deal after resulting in denial due to this inaccurate reporting on my consumer report by NCB and XXXX XXXX XXXX until this account is deleted and removed from my consumer report. Inaccurate and erroneous reporting 15 U.S. Code 1681b permissible purposes of consumer reports. IRS Publications 4681 ( 2021 ), Canceled Debts, Foreclosures, Repossessions, and Abandonments. IRS defines Charge-off as gross or ordinary income. Income does not get reported on a customer report. Therefore, the reporting of this account as a debt is inaccurate and I am requesting cease and desist the reporting of incorrect/inaccurate information immediately.
11/15/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	MO 63118	Web
NCB Management Service is reporting incorrectly to XXXX ; XXXX and XXXX a collection in the amount of {$2500.00} on the NCB MANAGEMENT SERVICE account number XXXX. The original creditor is XXXX XXXX XXXX XXXX, XXXX. This account was fraudulently opened by my ex-husband on XX/XX/XXXX. I never authorized or agreed to open this account. Because this account was opened in my name, I began receiving statements from XXXX. I immediately contacted XXXX to let them know that this account was not mine, however in the meantime until this issue was resolved I had no choice but to make the monthly payments on this account. The amount of the loan was {$2200.00}. This loan has since been paid in full. ( Please see attached Transaction History. ) I continued to have issues with XXXX not properly applying my payments and consequently interest kept accruing even though the account was paid off. I did not know that XXXX sold and transferred this account. NCB Management Service is a third party debt collector. There are several issues with how this account is currently being reported. First, NCB is reporting ( 90 ) days past due with a starting date of XX/XX/XXXX. A collection account is considered a continuation of the original debt. It is a violation of law for a collection agency to report old past-due amounts as if they are new again when the debts are sold. If an agency persists in reporting old debts with updated activity dates, this could result in a legal case against the third party collection agency. Second, there is no date being reported for last active which is a violation of the Fair Credit Reporting Act. This account should be reporting a {$0.00} balance and {$0.00} past due. I have made numerous attempts to resolve this issue directly with XXXX XXXX however, I was not successful and consequently this account now is with NCB Management Service. This false reporting of a collection is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus ; XXXX XXXX XXXX XXXX XXXX and NCB Management Service to resolve this however, I have not been successful.
11/26/2019	Yes	Debt collection Auto debt	False statements or representation Attempted to collect wrong amount	FL 33613	Web
ON XX/XX/2019 I FIRST REACHED VIA TRACKING SIGNATURE MAIL IN WHICH THIS COMPANY SIGNED FOR THIS REQUEST ON XX/XX/2019 AT XXXX XXXX ACCORDING TO MAIL GREEN CARD USPS TRACKING THIS COLLECTION AGENCY NCB MANAGEMENT SERVICES NEVER REPLIED BACK WITHING 30 DAYS OF MY REQUEST FOR VALIDATION OF DEBT AMOUNT XXXX ACCOUNT NUMBER XXXX IN WHICH I DISCOVERED REPORTING ON MY CREDIT FILES WITH XXXX, XXXX, XXXX ON XX/XX/2019, I EVEN DISPUTED THIS ACCOUNT WITH LISTED CRA AND THIS COMPANY NCB MANAGEMENT SERVICES VIA TRACKING SIGNATURE MAIL NEVER REACHED BACK TO ME SO I THAN REQUESTED AGAIN ON XX/XX/2019 VIOLATION OF DEBT VIA TRACKING GREEN CARD SIGNATURE MAIL BY THE USPS IN EACH LETTER I ADVISED THIS COMPANY TO cease and desist ALL COLLECTION ACTIVITY AND TO STOP REPORTING UNVERIFIED DEBT TO CRA IMMEDIATELY ON XXXX I RECEIVED A COPY OF A BILL SUMMARY LISTING A INACCURATE NAME LISTED FOR DEBT, DEBT AMOUNT OF {$7700.00} IN WHICH NCB MANAGEMENT SERVICES IS REPORTING FALSE TO LISTED CRA AGENCIES I DISCOVERED THE ACCOUNT NUMBER REPORTING ON NCB MANAGEMENT SERVICES BILL SUMMARY IS REPORTING A DIFFERENT FALSE ACCOUNT NUMBER XXXX COMPARED TO ACCOUNT NUMBER { XXXX } LISTED WITH CRA AGENICES XXXX, XXXX, XXXX I THAN ADVISED EACH CRA TO INVESTIGATE FCRA VIOLATION AND FDCPA VIOLATION AND EACH CRA REPLYED THAT THIS COLLECTION AGENCY IS ADVISING THERE AGENCIES THAT ITS COMPANY IS REPORTING REPORTING ACCURATE ACCOUNT INFORMATION UNDER THE FCRA AND FDPCA HOWEVER I HAVE MAILED NCB MANAGEMENT SERVICES VIA TRACKING MAIL A COPY OF ITS BILL SUMMARY THAT WAS MAILED TO ME ON XX/XX/2019 I HAVE ASKED THIS COMPANY TO IMMEDIATELY STOP REPORTING ITS FALSE AND UNLAWFULLY REPORTING AND TO DATE XX/XX/2019 THIS COMPANY HAS STILL REPORTED FALSE AND INACCURATE ACCOUNT INFORMATION TO EACH CRA REPORTING AGENCIES CLEARLY IN VIOLATION FCRA SECTION, { 15 U.S.C. 1681-1681 } { SECTION 15 USC 1692 ( g ) Section 809 ( b ) } Section 5 ( a ) of the FTC Act, 15 U.S.C. 45 ( a ), which prohibits unfair or deceptive acts or practices in or affecting commerce ; SECTION USC 1692 ( g ) Section 806 ( 5 ) AND MANY MORE VIOLATIONS
01/14/2022	Yes	Debt collection Auto debt	False statements or representation Attempted to collect wrong amount	TX 77084	Web
NCB Management Services Account # : XXXX Balance reported {$23000.00} XXXX sent this creditor a certified, debt validation letter on XX/XX/2021 written thoroughly specially asking for proof of documentation of what I owed. I received a letter back from them dated XXXX stating that they were unable to substantiate the allegations of my dispute and provided me with zero documentation. The original lender is XXXX XXXX XXXX and when I contacted them via phone to ask why I had a collection charge off if my Gap insurance had paid this collection off they said, " I can see it in our systems that a payment was made but because the collection is now with NCB, we can't provide you with any proof because your account no longer exists with XXXX and so you must contact NCB XXXX " Prior to mailing NCB a letter on XX/XX/2021, I called NCB directly and asked for documentation supporting the balance they were attempting to collect on and was told by their representative and Manager that they didn't have any documentation and that I would need to contact XXXX directly. I have since sent out a dispute letter to all 3 credit bureaus explaining that not only did this account need to be deleted for not being valid but also needed to be deleted because there were MUTLIPLE inaccurate information being reported from all 3 credit bureaus which are grounds to delete account from my credit report regardless of validity due to inaccurate reporting. I have already started a separate dispute dated XXXX with XXXX and all 3 credit bureaus to also delete the charged off original lender XXXX account # XXXX off my credit report for inaccurate reporting and XXXX has since been the only credit bureau XXXX delete this account. I am mailing a 2nd dispute on XXXX to attempt to have it deleted from XXXX and XXXX too. If the original creditor is beginning to delete the original debt that was wrongfully added to my credit, how can NCB be allowed to report or attempt to collect on such a large and inaccurate amount? It's hurting my credit and needs to be deleted immediately!
03/02/2021	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	GA XXXXX	Web
I have received numerous letters pertaining to a debt that has been purchased by NCB. My wife, XXXX XXXX has been in contact with this organization multiple times and was given the option to settle the debt. First off, this company has purchased a debt that was charged off and reflects {$0.00} owed to the original creditor, XXXX. I have disputed this charge because it is an online transaction that I did not take complete. There is no signature, only electronic authorization using my information. While I received numerous pages of so called proof of this debt, I am still not certain it is my responsibility. My wife called and discussed this debt with collectors that agreed to settle this debt for a one time payment of {$500.00}, a portion of what is owed to satisfy the obligation, still not with certainty that this is in fact my debt. The only request she made was to have this completely deleted from the 3 credit bureaus in which it is being reported. Instead the company per a supervisor, demanded we pay the balance in full in order to delete the trade line. This is an unfair practice. The supervisor advised that only for the balance in full would the tradeline be deleted. He also explained that it could not be deleted. This is deceptive and a false statement by the representative of this company. I continue to get calls from the organization after she has spoken to this company and they refused to resolve this reasonably. Most recently on XX/XX/2021 she attempted again to pay the settlement offer of {$500.00} if it would be deleted. The representative continued to say the account couldn't be removed. At this point it is harassment. There is no other reason to continue to call to attempt to collect the debt that they hold hostage over our heads and continue to report on my credit bureau. Secondly, I have researched this company and do not see where there is a license to collect debt in the State of Georgia per their website. Perhaps this company is a scam, and the accusations that money is owed to this company is all a scam.
06/07/2019	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt is not yours	GA 30093	Web
On XX/XX/2019 I pulled my XXXX, XXXX and XXXX credit reports and I noticed a collection that I was not privy to having. I immediately typed up and signed a letter and sent it to NCB Management Services , Inc. requesting that they send me a validation letter that included a breakdown of the debt that they are stating that I owe, I aslo attached a copy of my Driver 's License and Social Security Card. I requested that they send me : What the money they said I owe was for : Explain and show me how they calculated what they said I owe : Provide me with copies of any papers that showed I agreed to pay what they said I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Provide me with their license numbers and Registered Agent or Agent of Service : According to the Fair Credit Reporting Act I am well within my limits to request validation from them, I did not receive a response. On XX/XX/2019 I sent NCB Management Services, Inc a 2nd letter requesting validation. On XX/XX/2019 I received a letter from them stating that " after conducting an investigation, we have been unable to substantiate the allegations in your dispute ''. According to the Fair Credit Reporting Act, NCB Management Services , Inc. are required to send me proper validation that I owe the debt that they are stating that I owe and as of yet I have not received anything of that nature and I am looking into pursuing legal action towards them. So today, which is XX/XX/2019 I am sending yet another letter which will be my THIRD letter asking them to validate the debt that they are stating I owe!!!!! It is unfair that a collection agency is reporting that I owe a debt to the 3 credit reporting agencies and I am not aware of the debt but they will not take the time to send me proper validation. This collection is drastically hurting my credit and limiting me from buying a house, apply for credit and providing a stable living situation for my children.
10/05/2022	Yes	Debt collection Credit card debt	Threatened to contact someone or share information improperly Contacted you after you asked them to stop	TX 77521	Web
This is about the Consumer Credit Transaction with your financial institution executed by way of signing an Agreement ( Document ). As per 15 USC 6827 ( 3 ) The term document means any information in any form. I demand you Cease and Desist from disclosing my nonpublic personal information to all nonaffiliated third parties, which includes XXXX, XXXX, and XXXX. The provisions of 15 USC 6801 ( a ) state It is the policy of the congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. Please be advised that I have not given your company consent to share my nonpublic personal information and if theres a nondisclosure clause in your contract/agreement giving you that option to share my nonpublic personal information. I ask that you show me in the same contract/agreement where I can opt out of the sharing of my nonpublic personal information. 15 USC 6802 ( B ) clearly states that A financial institution may not disclose nonpublic personal information to a nonaffiliated third party. 15 USC 6802 ( B ) 1b " the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information is not disclosed to such third party. 15 USC ( B ) 1c " the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' In the above-mentioned Consumer Credit Transaction , without giving me the opportunity to opt out, your institution furnished my nonpublic personal information to nonaffiliated third parties ( i.e XXXX, XXXX, and XXXX ). With that said, your company has not only infringed my right to privacy but also violated multiple Federal Laws. I hereby request you removed the below-mentioned information from my Consumer Report ( Account # XXXX ) within 5 business days. If you accept my request, I will not escalate this matter to a Federal complaint. Thank you for your attention to this matter.
10/14/2020	Yes	Debt collection Auto debt	Written notification about debt Didn't receive enough information to verify debt	FL 338XX	Web
This all starts out with XXXX XXXX XXXX and their Class Action Settlement for Predatory Lending with Multiple States earlier this year, XXXX. Within this settlement, it states that XXXX agreed to relieve loans and help repair the credit of individuals affected by their predatory lending practices. This was for auto loans placed between XX/XX/XXXX through XX/XX/XXXX. On XX/XX/XXXX the debt was sold to NCB Management Services. In any normal situation, this wouldn't be a problem. But because of the terms of the Predatory Lending Settlement, this debt should have never been sold or transferred to any collection agency, or debt buyer. This is in direct violation of the terms of the settlement which is to " help repair the credit of individuals affected by their predatory lending practices. '' Now, I contacted NCB Management Services by mail to dispute the collection and included a copy of the CFPB complaint against XXXX, as well as, a copy of the Multi State Class Action Settlement against XXXX and explained why they should cease all collection efforts and delete my file because this collection violates the terms of the Settlement. The letter was mailed XX/XX/XXXX. I also spoke with someone from NCB Management Services over the phone a few days after the letter was mailed and informed them of the letter as well. XXXX themselves also instructed NCB Management Services to cease all collection efforts after they received my complaint from CFPB. I received a notification on XX/XX/XXXX that NCB Management Services has reported a collection of {$12000.00} to the credit agencies!! Now, for me to dispute this collection and XXXX instructing them to cease all collection efforts and activities, then to still within a couple of weeks report this account to the credit agencies is a total violation of everything I mentioned in this complaint. To ignore my dispute and XXXX XXXX request is outright wrong!! Not to mention, this account should have never been sold to NCB Management Services in the first place!!
05/06/2022	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	NV 89032	Web
My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against NCB MANAGEMENT SERVICES for committing identity theft. I have never given NCB MANAGEMENT SERVICES any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am aware that in accordance with Article 9, the assignment of a defaulted note is illegal. Both the assignee and the assigned are both liable for violations under 15 U.S. Code 1692e ( 12 ). I have never received any type of documentation requesting validation from NCB MANAGEMENT SERVICES before they committed multiple violations under the FCRA and the FDCPA by furnishing this alleged debt to my consumer report including but not limited to 15 U.S. Code 1692d ( 4 ) which the FTC defines as debt parking. If NCB MANAGEMENT SERVICES can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing it on my consumer report, this has been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation. I am legally refusing to pay this debt pursuant to 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until NCB MANAGEMENT SERVICES can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and NCB MANAGEMENT SERVICES continues its collection efforts, I will file for litigation for actual damages caused and NCB MANAGEMENT SERVICES will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.
09/19/2022	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	MI 48188	Web
NCB Management is a very unethical company they have purchased debt from XXXX XXXX claiming that I owe them now XXXX without explanation I have requested information from them the information that was sent was incorrect. They created a ledger and titled it " XXXX transaction history '' as if the file sent was from XXXX when in fact it was not. The information on the ledger was incorrect and was not in correspondence with the original explanation of calculation of surplus of deficiency. Ncb claims I owe XXXX and XXXX said I owed XXXX ncb management has yet to clarify why they are requesting the number they are and where the credit of XXXX has came from. On the ledger they created they have claimed I did not pay my car note for the month of XXXX in which I did and sent the proof of statement for that month. It is against my consumer rights to try to collect on an incorrect amount. I have tried my absolute best to get this company to right there wrongs they will not. I have sent a letter breaking down WITH PROOF how they amount they was trying to collect on was incorrect they sent a letter stating that the information was not substantial for dispute! I truly believe the XXXX needs to seriously investigate this company as they are violating consumer rights and defaming me. This collection being on my credit is so detrimental to my life I have tried over and over to get them to remove because they can not verify the debt and they will not this is literally ruining my life. I am a struggling single mother and there are rules and regulations in life that I must abide by regardless of that and I believe companies should do that as well. I live my life with integrity and if I am wrong I will make things right. This company has no morality and does not abide by the laws written for them and I believe they should be truly looked into. You should not run a company disguising yourself as help for the consumer when you're XXXX them to collect dollars when you bought the debt for pennies. Its disgusting.
11/04/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	WA 98520	Web
XX/XX/XXXX XXXX called NCB MANAGEMENT SERVICE spoke to XXXX she said it was with XXXX XXXX XXXX XXXX for XXXX and that the application was from XX/XX/XXXX deposit was sent to XXXX XXXX XXXX who confirmed no deposits were received outside of payroll from XXXX when this account was closed. XXXX advised they need to do some research and see what is going on with the account. XX/XX/XXXX XXXX XXXX called XXXX XXXX XXXX XXXX XXXX is escalating to another department and I would be contacted back, XX/XX/XXXX XXXX Called NCB MANAGEMENT SERVICE XXXX XXXX advised they have requested the validation of debt XX/XX/XXXX XXXX XXXX went through all statements for XXXX no deposits were made on account. Account was closed on XX/XX/XXXX. Can not make a deposit in a closed account. XX/XX/XXXX XXXX Spoke to XXXX at NCB MANAGEMENT SERVICE. was told they can not look up the documents they sent me. They will be sending me the fraud packet XX/XX/XXXX XXXX XXXX Called XXXX Spoke to XXXX who transferred to XXXX supervisor Says she can't access the account transaction history. She will be sending me an email letting me know what information is needed XX/XX/XXXX XXXX filed report with offer XXXX Case number XXXX XX/XX/XXXX sent copy of the Police report and id report from FTC to NCB MANAGEMENT SERVICE & XXXX XX/XX/XXXX sent copy of the Police report police report and ID to the credit Bureau who modified the dispute to an id theft XX/XX/XXXX XXXX reduced my credit limit due to this negative item on my credit report. I am now having adverse action taken against me because of this item. When I called the credit Beru they said they cant do nothing until they finish the investigation XX/XX/XXXX XXXX XXXX called and spoke to XXXX said we got the documents on XX/XX/XXXX it is something we must investigate and resolved. We will get the fraud packet out to you and this is something we are trying to resolve but it does not happen over night will take some time. Now I am facing adverse action due to this account
05/09/2023	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TN 38128	Web
XX/XX/XXXX : I wrote a letter requesting validation for the debt in the amount of {$3500.00} NCB claims I owe them along with What the money they say I owe is for ; An explanation for how they've calculated what they say I owe ; Provide me with copies of any papers that show I agreed to pay what they say I owe ; Provide a verification or copy of any judgment if applicable ; Identify the original creditor ; Prove the Statute of Limitations has not expired on the alleged account ; Provide proof that they are licensed to collect in my state ; and Provide me with their license numbers and Registered Agent. I, also, requested that they cease contacting me by phone, and only correspond with me via mail. They have not honored this request as they call everyday. They responded with a letter dated XX/XX/XXXX, stating that they were unable to substantiate the allegations in my dispute. They continued to report the unvalidated account on my credit report. On XX/XX/XXXX I sent another letter to them requesting validation again. I reminded them that they had failed to provide me with a copy of any viable evidence bearing my signature or showing the account is being reported accurately. I received no response. On XXXX XXXX I re-sent a similar letter giving them a chance to provide documentation with my signature on it that proves I owe them the debt they're claiming I owe to them. They responded with a letter dated XX/XX/XXXX stating that they were unable to substantiate the allegations in my dispute. They continue to report the unvalidated account on my credit report. I have, also, written letters to the 3 credit bureaus to no avail. The only change that NCB made to my credit report when I reported to the bureaus, was adding a year to the " on record until '' date, which can only mean it's inaccurate now or was inaccurate before. I've asked them remove the account from my credit report if they are unable to validate or are reporting inaccurately, and they have not.
01/01/2022	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was paid	CA 92131	Web
On XX/XX/2021, I visited the website belonging to NCBI Management Services Incorporated, a debt collection service, in hopes that I could create a user account, view my account balance, and plan a course forward. I was able to successfully register with their portal and view my account balance, which at the time was {$3800.00}. When I clicked on payment plans so see their suggested payment schedule, a banner appeared toward the top of the window, saying that I have " offers available '' and suggesting I use their payment wizard. I clicked and was taken to my offers. The only offer presented to me was a SETTLEMENT payment of {$760.00}. They gave me numerous time-frames in which to pay the {$760.00} ( a little up front with weekly payments thereafter, steady bi-weekly payments, etc ), but in every case the bottom line was the same - pay {$760.00} and the account would be settled and the collection closed. I thought the offer was reasonable and wanting to make some progress on financial matters before the XXXX XXXX, I decided to pay the {$760.00} in a lump sum as offered by their wizard on the " my offers '' section. I added my bank account, read the terms, which stated clearly that this was a settlement offer and that it wouldn't show as fully paid on my credit report, and checked the box to accept. I checked the box that acknowledged that any " savings '' I made in the difference between the " original balance '' and the " settlement '' amount were taxable and would be reported to the IRS. I accepted all that and paid the amount in full, thus settling the account and closing the collection. The problem I now face came about when NCB didn't report my SETTLEMENT payment as a settlement payment, but rather as just payment against the total original balance. My online account now shows I owe over {$3000.00} instead of the original {$3800.00}, when it should, per our agreement and THEIR terms, be reflected as settled. Thank you.
07/03/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	SC 29414	Web
I, XXXX XXXX XXXX, am submitting this on my own behalf. This company does not have my permission to contact me or use my information. Additionally, this company has been notified via mail that the debt they are attempting to collect do not belong to me. This company has enough complaints that I assume that they are habitual rights violators. Starting with 15 USC 1692, this company has sent repeated notices stating they are collecting a debt : Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall ( 1 ) identify himself, state that he is confirming or correcting location information concerning the consumer, and, only if expressly requested, identify his employer ; ( 2 ) not state that such consumer owes any debt ; ( 3 ) not communicate with any such person more than once unless requested to do so by such person or unless the debt collector reasonably believes that the earlier response of such person is erroneous or incomplete and that such person now has correct or complete location information ; ( 4 ) not communicate by post card ; ( 5 ) not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt ; and I demand that this company remove this information from my credit report, delete any of my personal data and only communicate with me to confirm that this has been removed from my reports. I do not owe this company anything and this debt is UNVALIDATED. This company does not have permission to communicate with anyone using my personal information, including the credit reporting agencies. Delete this information from my reports. I have been a victim of identity theft in the past and this company using my information is no different.
09/29/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	LA 70448	Web
Requested debt validation on XX/XX/2020 via certified mail. The collection agency signed for the letter on XX/XX/2020. A complete and timely debt validation has still not been received by me as of today 's date - XX/XX/2020. This is well past 45 days. By federal law the collection agency is supposed to provide debt validation within 30 days ( 45 days during this pandemic ). If they do not then the debt is to be removed from my credit report. My credit file has merged with another person of similar name. I have called the credit bureaus, and they admitted the error. They are in the process of removing inaccurate/merged information from my file. XXXX has nearly completed it at this time. I am waiting on the other credit bureaus to complete the process. In the meantime, I am having difficulty with this collection agency. The debt they are attempting to collect is not mine. They have not validated it, and will not do anything to rectify the situation. I am a small business owner. I employee 9 people full time. I discovered this credit mess when I applied with the SBA for a disaster loan ( in XX/XX/2020 ) to save my business during this pandemic. I was denied for the SBA Loan based on my low credit score. My score is low due this collection agency and 3 others reporting inaccurate information on my credit report. The SBA will reconsider my loan request if I can get my credit score back up. I have followed all protocols under the FCRA to attempt to resolve this situation. The collection agency is not cooperating in any way at all. I have documented everything, and am prepared to initiate a lawsuit if necessary. My attorney will be involved should it come to this. THIS COLLECTION AGENCY IS IN CLEAR VIOLATION OF THE FCRA, AND ADDITIONAL STATE AND FEDERAL LAWS. I simply wish to resolve this matter so that I can keep my business running, and maintain my employees jobs and livelihood. Thank you
04/23/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	VA 20110	Web
A lady named XXXX XXXX from XXXX Management Services Incorporated left a voice mail this morning regarding a debt and requesting to call her back at XXXX - Ext. XXXX. I quickly knew this called was not intended for me because I do n't have pending debts and I had never heard of XXXX XXXX XXXX XXXX XXXX, an institution she is collecting a debt for. When I called her, I quickly identified myself but from the very moment she answered her phone she was loud, rude, disrespectful and sounded bitter and extremely angry, loudly. I tried to tell that I received a called from her in an attempt to collect a debt. I also tried to tell her that I 've had this phone number for about XXXX weeks and that she probably wanted to contact that previous person that had this number. She did not even spent a second to listen to what I had to say. She kept on going with her harsh and nasty tone of voice. I repeated my phone number twice as per her 'demand ', then I told her my name three times as she 'demanded '. Every time I try to say something else to explain the reason of contacting her back, she would speak over me and not let me talk. At some point during the speedy, one-way conversation, she told me she -had not finished talking yet! -. and kept questioning if I had an account and I said no. Then, she demanded from me to spell out my name. At that point I decided that I did not have to put up with her abusive and condescending attitude and hung up. I called her to clarify who I was and to also request my phone number be removed from the list of debtors. I even have my answering machine stating my name and do n't understand why they still will leave a message to collect a debt I do n't have and never did. This woman crossed the line ; she was insulting and abusive!. By far this the most disgusting person I 've had to deal with in my life. Please, someone make these people stop their abusive behavior.
10/27/2016	Yes	Payday loan	Charged fees or interest I didn't expect	TX 78728	Web	Servicemember
Pyments were twice a mth. Bcause of personal issues. Requested once a mth pymts. They said ok. Well bcause of same issues was already late for XXXX pymnt. I was called by WHO I THOUGHTwas the collections dept. I agreed to make my mthly pymt higher the XXXX of the next mth. So a few mths go by all is fine, but when I think its my last draw and should be 1/2 a draw bcause they did a XXXX draw that i was n't expecting a full pymt was taken and I found out at that time that they were not the company I contracted with, but a collection agency. When I called them, they refused to give me back my money. The lender was XXXX. The last draw they took was XXXX/XXXX/16 for XXXX. I recieved an email from them XXXX/XXXX/16 approving the renegotiation payment date. My balance was roughly {$2700.00}. When i recieved the call in XXXX I thought nothing of it, because I was late, and I figured they wanted to up the payment. I was in my car at the time, and I had people in the car with me. I agreed to the upped payment gladly, and made the payments gladly, because as I said i thought I was talking to XXXX!!!! Once that over draw came out and I called them and found out they were debt collectors, I was horrified!!!!! I told the to listed to their tapes, and they could easily tell that I thought I was talking to XXXX because I even mentioned the young man who called me initially when I was running a week behind on my payment. I told them to give me my money back!!! So far they 've refused. Ive been going back and forth for some weeks now. I want my money back. As far as I 'm concerned they 're thieves. I know they could tell that I thought I was talking to XXXX. When I said that to them, their response to me was " Why do you care who gets the money ''!!! They owe me a minimum of {$220.00} and I want it back. They 're Liars and Thieves. I hve the emails from elastic, my bank statements.
01/25/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	MI XXXXX	Web
Please be advised that this is not a refusal to pay the debt, but a notice sent pursuant to the Fair Debt Collection Practices Act, 1 : USC 1692g Sec 809 ( b ) that your claim that I owe you money is disputed, and I have previously sent NCB Management Services , Inc. several request to validate debt, NCB File Number : XXXX on XX/XX/XXXX2019, 17 XX/XX/2019, XXXX XX/XX/2019, and XXXX XX/XX/2019. Under the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the debt they say I owe you. I am requesting proof that I am the correct party, and there is some contractual obligation which is binding on me to pay this debt. I have given them reasonable time to remedy the situation. I have received no reply from them, though I did receive confirmation via mail that they did receive my letter. Reporting inaccurate and unsubstantiated information to a credit reporting agency may constitute fraud under federal law. Since they are still reporting this account on my credit report, they are now in violation of the FCPDA, and are now subject to fines of {$1000.00}, which I may collect from them by filing a claim in small claims court. I intend to follow through with the suit. They should also be aware that reporting such invalidated information to major credit bureaus might constitute defamation of character, as the negative marks on my credit report harm my credit and prevent me from enjoying all the benefits of good credit. I'm sure their legal staff will agree that non-compliance with this request could put their company in serious legal trouble with the FTC and other state or federal agencies. I am requesting that you investigate this company and take any appropriate regulatory action, including any necessary referrals to state agencies. It is important that we put an end to these types of deceptive and unethical business practices.
07/03/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NY 11233	Web
AS OF XX/XX/XXXX OF NOTICED FRUADULENT ACCOUNTS DISPUTE RESPONSE! THE XXXX credit bureaus and the company named below took more than 45 days to respond according to the " FAIR CARES ACT '' law ALL COMPANIES INVOLVED ARE NOW IN VIOLATION OF THE LAW!! NAME : NCB MANAGEMENT SERVICE Balance {$13000.00} Balance updated XXXX XXXX, XXXX Original balance {$13000.00} Account info Account number XXXX Date opened XX/XX/XXXX Account type Debt Buyer Status Collection account. Status updated XX/XX/XXXX Contact info Name NCB MANAGEMENT SERVICE Address XXXX XXXX XXXX XXXX, PA XXXX Phone number ( XXXX ) XXXX THIS ACCOUNT DATE OPENED/DATE CLOSED/BALANCE/LAST PAYMENT IS IN ACCURATE THE ACCOUNT NUMBERS ARE INCOMPLETE THIS IS GROUNDS FOR REMOVAL. RESPONSE DISPUTE! 15 U.S. C ode 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft Shall be removed from the consumers report not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identit theft!! Please delete these items as soon as possible! These accounts should not be furnished on my consumer report as they are in VIOLATION! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consume I am demanding the deletion of the accounts listed IMMEDIATELY.
10/15/2021	Yes	Debt collection Credit card debt	Communication tactics Frequent or repeated calls	OK 730XX	Web
This is has been going on for several months, however today was the most egregious violation of the Fair Debt Collection Practice Act that I have ever experienced : Harassment of a third party individual that has nothing to due with debt with 4 repeated simultaneous phone calls after third party requested not to contact her. On fourth call, debt collector advised her that they knew where I lived and would have the XXXX County serve me documents today and hung up on her. ( copy of phone log attached ) The same debt collector also left me an extensive voicemail ( transcript attached ) Claiming of threat that claim was being filed with XXXX County and my personal information would be made public. Please see full content on this attached voicemail transcript. When this account was first assigned to this company, I tried to communicate with the individual ( 1. ) I have never received any letter from them identifying who there where and instead was yelled and screamed at with derogatory alternatives of suit ; ( 2. ) I also disputed the amount and date of debt and requested full validation with all documentation and accounting of how they claim this amount. This has been asked three times with a debt collector and they still have not provided information and continue call and leave messages of egregious threat violations. I consideration of the Fair Debt Reporting Act - They have reported this debt on my credit bureau files before they ever sent me any letter ( s ) advising me of a assumed debt with them and have also failed to report to the credit bureau that the debt was previous requested to be disputed. As of today, I am not only sending them the dispute in writing and requesting that they cease and desist immediately ( per advice of attorney ), I have also obtained the same attorney for possible legal action for such violations,
10/31/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	AL 350XX	Web
The company, NCB Management Service, started reporting a collection account to my credit on XX/XX/XXXX in the amount of {$4700.00}. This is reported to XXXX and XXXX. I have sent countless letters to the collector stating that this debt does not belong to me. I have asked them to verify the debt and they sent me an agreement between me and some company called XXXX, this was back in XXXX of this XXXX. Bear in the mind the agreement had no signature from me stating I agreed to do business with this company. I have been a victum of identity theft in the year of XXXX. I had one account that I was able to have removed after providing a police report to the company. I'm curious if this account is similar to the other account, however I have no way of knowing as the company fails to provide me any additional details outlining why they are verifying this account as accurate. I sent in a letter on XX/XX/XXXX exercising my right under the FCRA to receive documented proof that I, the person they are proclaim own this debt, have a legal binding contractual obligation to pay this alleged debt. It has been over 30 days and they have not complied for the FRCA in providing the requested documentation. I have received no response from them. I have told them this was identity theft and yet they have continued to report this inaccuracy on my consumer report, thus preventing me from utilizing my credit for future purchases. This is my next solution before I file a small claims law suit for Defamation, Negligent Enablement of Identity Fraud, and Violation of the Fair Debt Collection Parctices act including but not limited to Section 807-8, and Violation of the fair credit reporting act including but not limited to section 623-b. I'm including the credit reports for the collection accounts and the police report of my identity theft for that year.
05/25/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	FL 34769	Web
Actions taken by me : In XX/XX/2021, I became aware of this collection by NCB Management on my credit report. I had received no letters, phone calls, or any other forms of communications from NCB Management pertaining to this account. The alleged debt 's original creditorXXXX XXXX / XXXX XXXX has never ever been on any of my credit reports as a credit account. There was never a credit inquiry for the alleged debt. In XX/XX/2021, I had sent a debt validation letter to NCB Management. ( see attached letter ). In early XX/XX/2021, I had a letter stating that they failed to validate the debt, as they had not responded to the debt validation letter. In late XX/XX/2021, NCB Management responded 45 days later. NCB Management responded with what appears to be an online application, loan history, and payment history. The information contained fraudulent information, such as a fraudulent address in Michigan, XXXX XXXX XXXX, XXXX XXXX, MI 3which I have never used nor lived at in my entire life. Upon receipt of response, I called and spoke with XXXX XXXX to inform him the debt was not mine and he argued with me. I followed up with an Identity Theft Report, once I found other fraudulent items opened in my name. The other fraudulent issues have been resolved. NCB Management has been taking their time on this matter. Additionally, NCB management has mail being forwarded from their XXXX, PA address to their XXXX, PA address, which is delaying mail even further. See attached document : Written Correspondences to NCB Management Tracking Numbers Validating Written Correspondences to NCB Management USPS Tracking Information For Letters Sent to NCB Management This debt is not mine. I have also highlighted the issue for the CFPB to see on the attached information received from NCB Management.
07/21/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was paid	FL 33180	Web	Servicemember
ATTN : XXXX XXXX CEO at XXXXXXXX XXXX has taken adverse action against me, with forethought and malice, by furnishing inaccurate and knowingly false late payments to my consumer report without my lawful authority. This adverse action as defined under 12 CFR 1002.2 ( c ) ( 1 ) ( i ), which has the same definition as 15 U.S. Code 1691 ( d ) ( 6 ), has negatively affected my ability to extend credit and operate in commerce. Congress makes it clear that causing a restraint of trade or conspiring to cause a restraint of trade, pursuant to 15 U.S. Code 1, is declared to be illegal to and carries both civil and criminal penalties. My right to privacy and my right to know where and how to direct the disclosure of my nonpublic information in accordance with 15 U.S. Code 6801 ( a ) of the Gramm-Leach Bliley Financial Protection Act, has been violated. I am aware that not excluding transactions between, I, the consumer, and the creditor is a violation of 15 U.S. Code 1681a ( 2 ) ( A ) ( i ). The consumer reporting agencies were not exercising their grave responsibility in respect to impartiality when furnishing this false and misleading information to my consumer report. Reasonable procedures were not taken to insure the accuracy of the information given by XXXX XXXX CEO at XXXXXXXX XXXX before furnishing it. This shows that the consumer reporting agencies have shown bias towards me because I never gave my lawful authority for any consumer reporting agency or XXXX XXXX CEO at XXXXXXXX XXXX to furnish any late payments to my consumer report. It is my belief that due to XXXX XXXX business relationship with the consumer reporting agencies, ( such as XXXX, XXXX, XXXX ), they parrot any information given to them as a means of coercing consumers to pay extra fees for debts that they allegedly owe.
07/29/2021	Yes	Debt collection Auto debt	Written notification about debt Didn't receive enough information to verify debt	FL 32713	Web
For several months I have been writing to NCB and XXXX about an account reporting to my credit report with them. I disputed the accounts with the three major bureau 's but the information came back as certified by the furnisher however when I have requested information in regards to these accounts I am not receiving all of the documents requested. In the state of Florida a company who repossess a car should provide a notice to the borrower 10 days prior to the sales date and must notify the borrower of the time and location of where the vehicle will be sold. Today, XX/XX/2021 I called XXXX XXXX and spoke to a customer service rep XXXX I advised her that I never received notice of the sale or a breakdown of the deficiency balance. She advised that she could not send me that information due to " time sensitivity '' I advised that as a consumer I feel as though I have the right to access information regarding the accuracy of information reporting to my credit report. I then called NCB and spoke to XXXX XXXX who advised me that she would be willing to arrange a pay for delete for {$1500.00} if I did not request to validate the debt. I told her I appreciate the offer however I have a right to receive this information. XXXX XXXX then advised that the validating information was sent to my home XX/XX/2021 per a letter received XX/XX/2021 when the last time I sent them mail was XX/XX/2021 and as of today XX/XX/2021 the information has not arrived to my home. I called back and notified XXXX that I had not mailed anything to their offices in late XXXX or early XXXX and her response on the recorded line is due to Covid we are possibly backed up. I am curious to know how the bureau were told this information was certified by XXXX XXXX or NCB Management Service so quickly with the bureau 's
12/04/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was paid	CT XXXXX	Web
-- -- -- UPDATE TO CLAIM # XXXX -- -- -- - MANAGENEBT SERVICES XXXX has responded to my CFPB complaint stating that they have NOT attempted to collect any debt and that they disagree with my claims on their violations under the FDCPA. MANAGENEBT SERVICES XXXX according to their response has removed themselves from liability under the violations of the FDCPA which they remain liable to pay remedy under 15 USC 1692k. Notice it is a fact MANAGENEBT SERVICES XXXX has sent a letter REQUESTING PAYMENT OF AN ALLEGED DEBT even tho they state they have not attempted to collect any debt. MANAGENEBT SERVICES XXXX has violated multiple federal laws under FDCPA and has been put on notice by AFFIDAVIT and demanded under 15 USC 1692g to validate the alleged debt to which they state they will no longer attempt to collect which leads me to believe this was an attempt to make an extortionate extension of credit by trying to collect money on a CONSUMER FINANCE CHARGE which is a violation under 18 USC 892 and is in fact committing RAKETEERING which is a violation under 18 U.S. Code 1962 -RICO. MANAGENEBT SERVICES XXXX is here by put on NOTICE of Federal Violations Under the FDCPA and under RAKETEERING for attempting to collect money by obscene matters and attempting to make an extortionate extension of credit and has lied in their response stating they have not attempted to do so but in fact have done so as shown in EXHIBIT A. I am willing to settle this matter IN GOOD FAITH if MANAGENEBT SERVICES XXXX pays I the consumer by cashiers check only in the amount of {$20000.00} to address XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX for the violations under the FDCPA under 15 USC 1692k and for showing lack of regard and respect to I the consumer and Consumer Financial Protection Bureau by lying.
06/01/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 33702	Web
A collection agency named NCB Management Services Inc has contacted me several times over the last two years regarding a debt of {$3500.00}. I sent them a certified letter on XX/XX/2021 asking them for proof that I actually owe this debt. The letter sent is attached as well as USPS Certified Mail Receipt and tracking information showing letter was delivered. In the letter I asked for an original contract from the company that they purchased the debt from as well as any and all information they used to determine I in fact owe this debt and the method they used to verify this. They replied via letter mailed by USPS that I received on XX/XX/2021. They did not provide any proof or verification that I owe this debt. They simply stated in the letter that they investigated my notice of dispute and couldn't substantiate my allegations. They did not provide any means of how they came to this decision or any documentation showing the debt is mine. I feel this is unacceptable and a violation of the FCRA. I have enclosed the response letter from them. This collection has not been validated as mine, there is no proof the debt is mine and no explanation as to how they came up with this decision. This company is reporting this frivolous claim to the three credit bureaus and has affected my credit and ability to obtain a mortgage. I feel this company must either prove this debt is mine with documentation showing I was in fact under contract to pay this amount or they need to have this collection deleted from all three credit bureaus. Simply stating they investigated it without showing me any proof they did investigate it as well as no proof I in fact owe this debt is not valid nor acceptable and is a violation of my rights under the FCRA guidelines. Please investigate this matter.
06/23/2022	Yes	Debt collection Auto debt	Communication tactics Frequent or repeated calls	IL 600XX	Web
I making a formal complain on the company NCB Management. NCB Management first called a family members phone number on XX/XX/2022. NCB was told that day that the number they were calling was not mine but a families member. This family member was told they would not call this number anymore and she advised she would let me know. NCB continued to call during the time frame of XX/XX/XXXX until current. During the time frame of XX/XX/2022 and XX/XX/XXXX of XXXX NCB called 36 times. During this time they were told on more than one occasion again this number was not mine but of a family members. In accordance to the Fair Debt Collection Practices act - it states that People collecting debts can't harass, oppress, abuse, or deceive you or anyone else they contact. Companies attempting to collect a debt can not call you over and over, make repeated phone calls that are intended to annoy, abuse or harass you or any person answering the phone. to which NCB continued to do despite being told to not call that number again and that it was not my number. I spoke with NCB on XX/XX/XXXX at XXXX am XXXX and advised that the number they had on file is incorrect and do not contact as it is a family members. NCB is also in violation of my rights through not only CFPB but XXXX for the biggest reason being XXXX requires all debt collectors to comply with their regulations. one regulation is that within five days of the debt collectors first contact with you, the debt collector must give you the following information in a written notice. 1. ) the amount of the debt 2. ) the name of the creditor to whom the debt is owed 3. ) that you have 30 days from receipt of the notice to dispute ( there has been not notice or validation sent ). NCB has violated multiple rights of mine.
04/29/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	FL 349XX	Web	Servicemember
This company is reporting NEGATIVE and INVALID information on my credit report and is severely affecting my credit score. The account information that this company is providing can not be proven because they do not have the original signed document saying that I owe them a debt which is A direct violation of my CIVIL RIGHTS according to the FCRA section 609. This company must remove their account from my credit reports immediately and permanently. A DELETION OF THIS ACCOUNT FROM MY CREDIT REPORT IS A FAIR RESOLUTION. Please be advised I have requested validation { not verification } of an item reported to you by the above original creditor/collection agency. I have received a response that does not indicate or prove : 1. I had this service. 2. What services I am being charged for. 3. What the cost of each service I am being charged for. A response with a bill is NOT evidence of proof that the debt is mine. Anyone can open an account under my name for which a bill is produced, but that doesn't mean it was actually me or that the debt is actually mine. I need real evidence. This evidence consists of a contract from the original creditor or some agreement bearing MY written signature agreeing to pay the debt. In the absence of this evidence I ask you to please remove this account from my credit report. I will proceed with legal action as prescribed by law against the above-named original creditor/collection agency. Should this item not be deleted within the required time allowed by law I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation. I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously.
11/01/2022	Yes	Debt collection Auto debt	Communication tactics Used obscene, profane, or other abusive language	MI 48197	Web	Servicemember
Please be advised, to my knowledge and recollection, I do not have any type of direct or indirect business relationship from which goods and or services were exchanged with your company. I have never conducted business transactions or signed any contract and or agreements with your company. I have never initiated or agreed to pay any amount associated with such an account created by your company from which any debt is owed and therefore dispute any debt you say I owe your company. On XX/XX/XXXX NCB Management Services called my cell phone without my prior consent. The employee failed to state that he was a debt collector, along with the additional disclosure required by law. The employee explained that the account was sold to NCB by XXXX XXXX in regards to a XXXX XXXX XXXX. I told the employee that I didnt have a XXXX XXXX XXXX. I requested the contact information for the finance company and the call ended after I received that information. On XX/XX/XXXX, NCB called me again, this time at XXXXXXXX XXXX by an employee named XXXX XXXX. XXXX XXXX did not make the proper disclosures as required by law. I explained to XXXX XXXX that he was calling me at an inconvenient time and he replied that it wasnt against the law for him to call me at XXXX in the morning. I became very upset at his tone and XXXX XXXX raised his voice and told me that my account with XXXX XXXX was not going away! I tried to explain to him that I didnt have an account with XXXX XXXX XXXX XXXX XXXX then stated that NCB called me the previous week about this debt. I informed XXXX XXXX that NCB didnt have permission to call me last week and they didnt have permission to call me that morning and the call ended. My heart was racing and I was very upset.
06/12/2022	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was result of identity theft	MI 48180	Web
XXXX XXXX, and ( XXXX XXXX Management Services Incorporated. Congress has limited the use of consumer reports to protect consumers ' privacy. all users must have permissible purpose under the Fair Credit Reporting Act to obtain a consumer report. Section 604 contains a list of permissible purposes under the law. ( FCRA sections in the U.S. Code, 15 U.S.C. 1681 et seq. ) These are : As ordered by a court or a federal grand jury subpoena. Section 604 ( a ) ( 1 ). As instructed by the consumer in writing. Section 604 ( a ) ( 2 ). For the extension of credit as a result of an application from a consumer, or the review or collection of a consumer 's, account. Section 604 ( a ) ( 3 ) ( A ). For employment purposes, including hiring and promotion decisions, where the consumer has given written permission. Sections 604 ( a ) ( 3 ) ( B ) and 604 ( b ) for the underwriting of insurance as a result of an application from a consumer. Section 604 ( a ) ( 3 ) ( C ). When there is a legitimate business need, in connection with a business transaction that is initiated by the consumer. Section 604 ( a ) ( 3 ) ( F ) ( ii ). To determine a consumer 's eligibility for a license or other benefit granted by a governmental instrumentality required by law to consider an applicant 's financial responsibility or status. Section 604 ( a ) ( 3 ) ( D ). For use by a potential investor or servicer, or current insurer, in a valuation or assessment of the credit or repayment risks associated with an existing credit obligation. Section 604 ( a ) ( 3 ) ( E ). For use by state and local officials in connection with determination of child support payments, or modifications and enforcement thereof. Sections 604 ( a ) ( 4 ) and 604 ( a ) ( 5 )
09/04/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Investigation took more than 30 days	MD XXXXX	Web
XXXX accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I told the XXXX, XXXX, and XXXX to reinvestigate these accounts XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX 15 U.S.C 1681 SECTION 602 A. states i have a right to privacy. 15 U.S.C 1681 SECTION 604 A. SECTION 2 : it also states a consumer reporting agency can not furnish a account without my written instruction. 15 U.S.C 1681C. ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years 15 U.S.C 1681S-2 ( A ) ( 1 ) A PERSON SHALL NOT FURNISH ANY INFORMATION RELATING TO A CONSUMER REPORTING AGENCY IF THE PERSON KNOW OR HAS REASONABLE CAUSE TO BELEIVE THAT THE INFORMATION IS ACCURATE.
09/23/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL 32609	Web
In accordance with the Fair Credit Reporting Act. The list of accounts has violated my federally protected consumer rights to privacy and confidentiality un 15 U.S.C. 1681 List of accounts : NCB Management Services Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to 15 U.S. code 1681d. ( b ) ( b ) DISCLOSURE ON REQUEST OF NATURE AND SCOPE OF INVESTIGATION Any person who procures or causes to be prepared an investigative consumer report on any consumer shall, upon written request made by the consumer within a reasonable period of time after the receipt by him of the disclosure required by subsection ( a ) ( 1 ), make a complete and accurate disclosure of the nature and scope of the investigation requested. This disclosure shall be made in a writing mailed, or otherwise delivered, to the consumer not later than five days after the date on which the request for such disclosure was received from the consumer or such report was first requested, whichever is the later. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C. 1681C. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
08/11/2022	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt is not yours	IL XXXXX	Web
There is a charged-off account from XXXX auto loans on my credit report. While coming through my credit report, I discovered NCB Management Services ( A collection agency ) bought the debt and is now listed on my credit report from all three credit bureaus as a collections account. This has adversely affected my credit. 1. I do not have a contract with NCB Management Services ; therefore, I do not owe their company anything. 2. I have never received any written correspondence from the company. I have never received any information from NCB, regarding the original creditor, the amount owed when the collector purchased the debt, the date of the last payment, and whether the date is passed the statute of limitations. 3. While researching the company, I discovered NCB Management is not licensed in my respective state ( Illinois ) to collect a debt. Illinois law requires a debt collector to be licensed to collect a debt. Therefore, NCB Management Services is not authorized to collect a debt from me. 4. I received an email from an office that I previously worked at and was told the current employee has received numerous phone calls from " NCB Management Services '' despite her telling them, that I no longer work there and that she does not have a forwarding phone number for me. 5. I have received numerous phone calls, allegedly from NCB Management, starting before XXXX XXXX and throughout the day, every day. XXXX XXXX XXXX ( ( This is where I saw what states do not require a license to collect a debt. Illinois was not listed ). XXXX XXXX XXXX ( This is per NCB Management Services website . They do NOT have a license listed to collect a debt in Illinois. I am also including a screenshot of the website.
04/07/2021	Yes	Debt collection Auto debt	False statements or representation Attempted to collect wrong amount	GA 30349	Web
After multiple investigations and sending certified letters. It is evident that my FCRA rights and need to remove NCB Management. My FCRA rights have been violated and if NCB management isn't removed immediately my attorney will have to file a lawsuit in XXXX XXXX, GA. Ive created 5 disputes since XXXX and this credit reporting agency is violating my rights and is not taking my facts seriously. NCB is continues to report inaccurate information. This account appears on XXXX XXXX report as well so why does the responsibility show individual? Again this company refuses to report accurate information. XXXX shows {$7500.00}. The amount shown by NCB Management is {$7600.00}. Again this is all incorrect. NCB Management and XXXX have a contract agreement for {$7600.00} dated in XX/XX/XXXX ; however, as shown in the statement the amount is shown as {$7500.00}. NCB Management doesnt have a contract for {$7500.00} yet this is the amount XXXX shows which is the original creditor. NCB also shows as a collection from XX/XX/XXXX-XX/XX/XXXX but how can this be when the account shows an open date of XX/XX/XXXX. Another inaccuracy. In addition, the first date of delinquency was XX/XX/XXXX as shown on the XXXX PDF. Therefore, this account should be removed because of the first date of delinquency. The statement also shows late fees and charges as of XXXX. NCB shows that this account is on record until XX/XX/XXXX. Thats another inaccuracy as it should be deleted bc of the first date of delinquency. I'm not asking for an investigation as it is apparent NCB Management does not take this seriously. This account needs to be removed based on multiple inaccuracies and the first 30 day late was in XX/XX/XXXX.
12/26/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	IL 60048	Web
I was a victim of identity theft that started in XXXX and discovered in XXXX. There were a number of accounts that were opened in my name without my knowledge. After the identity theft was discovered, the police was notified and an investigation was opened in XXXX County Illinois. I checked my credit report when I discovered that most of my accounts were compromised and significant fraudulent charges were placed on my existing credit cards and new online loans were opened in my name fraudulently. I contacted all my credit cards providers and was able to resolve the situation where they closed the questionable accounts and work with me to fix the situation. My complaint is with one credit collector by the name of NCB Management Services that has not been responding to my request to remove the collection report that they are continuously reporting on my credit report ; this causes my credit score to be negatively and severely affected ; this has caused a significant affect on my financial reporting and has caused hardship due to the fact that I am unable to receive a mortgage to buy a home. I contacted NCB Management Services and they are refusing to remove the inaccurate and fraudulent report from my credit report. They were not able to prove that the alleged debt is mine ; they keep sending me generic paperwork that does not prove that the debt is mine and they are unable to ascertain that the debt is mine. Anyone with access to a computer and my information could have easily applied and received the alleged loan. I am kindly requesting that you contact NCB Management Services and help me to resolve this matter as quickly as possible and force them to remove their account from my credit report.
11/10/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 78045	Web
. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items listed below are not deleted immediately. A copy of this letter as well as copies of the three written letters sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement. Despite three written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. Certified Mail tracking # XXXX XXXX XXXX XXXX XXXX of the last letter
10/30/2022	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt is not yours	FL 33015	Web
ACCT : XXXX To whom it may concern, I wrote you requesting validation of this alleged debt. You have not supplied the demanded proof of the alleged debt, I want to note that under the doctrine of estoppel by silence, Engelhardt v Gravens ( Mo ) 281 SW 715, 719, I can presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. In a good faith effort to resolve this matter amicably, I restate my demand for proof of the debt, specifically the alleged contract or the other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must terminate this collection action and correct any erroneous reports of this debt as mine. For the record, I state again that as I have no account with you, nor am I your customer, nor have I entered into a contract with you, I must ask for the following information : Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC ( f ) in this alleged matter. What is your authorization of law for your collection of information? What is your authorization of law for you collection of this alleged debt? Please send evidence your authorization to do business or operate in the state of Florida. Please evidence proof of the alleged debt, including specifically the alleged contract or other instrument bearing my signature. You have fifteen ( 15 ) days from receipt of this notice to respond. Your failure to respond, on point, in writing, hand signed, and in a timely manner, will work as a waiver to any and all of your claims in this matter, and will entitle me to presume that you sent your letter ( s ) in error, and that this matter is permanently closed. Best Regards,
10/02/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	GA 30339	Web
On XX/XX/2021 I paid NCBI a settlement amount of {$1300.00} with a Visa card ending in XXXX after being advised they do not accept XXXX XXXX for the account. I received a confirmation number XXXX for the XXXX payment and was told the account was settled and I would receive a XXXX balance letter. While still on the line with the Supervisor/Manager XXXX XXXX I received notice the payment also went through with XXXX XXXX XXXX She advised to chargeback the XXXX XXXX payment. Her contact information is : XXXX XXXX XXXX I did as instructed and completed a chargeback for the double payment. On XX/XX/2021 I called in and requested a XXXX balance letter because it had not been received, I spoke with Supervisor XXXX XXXX and was told I would receive it, on XX/XX/2021, I called again and spoke with XXXX XXXX because I had not received the letter and my credit reports had not been updated. On XX/XX/2021, my credit reports updated to reflect that there was a XXXX balance, but I still did not receive the letter. On XX/XX/2021 my credit report updated again with a new balance of {$4100.00} and derogatory status. I received a letter dated XX/XX/2021 about the charged back amount and that the balance due was {$4100.00}. I called again on XX/XX/2021 and spoke with XXXX XXXX because of this new issue and the fact that I still had not received my XXXX balance letter, she was very apologetic and assured me it would be taken care of within 24-48 hours and I would have my XXXX balance letter and my credit reports would be updated. As of today XX/XX/2021, I still have not received my XXXX balance letter and my credit reports are still showing a derogatory balance of {$4100.00}
06/09/2016	Yes	Consumer Loan Installment loan	Managing the loan or lease	VA 22191	Web
In XXXX XXXX I took out an internet installment loan from XXXX in the amount of {$2400.00}. I made several payments to them before finding out that this type of loan is illegal in my state ( Virginia ) as it was originated online. I contacted XXXX and offered to pay what I received minus interest as the loan was illegal. XXXX advised that they would no longer pursue collection on the loan. Fast forward to XXXX XXXX the loan was charged off and purchased by NCB Management. XXXX has never contacted me for any payments or reported any information regarding the loan on my credit report. In XXXX XXXX NCB Management reported an outstanding debt of {$2900.00} on my credit report on all XXXX credit bureaus. I contacted the XXXX and advised that I had no knowledge of this account from NCB and requested that they validate the debt. NCB responded that it was an account from XXXX. I contacted NCB by phone directly to see what needs to be done to remedy this issue. They advised that I needed to pay {$2900.00} ( principal plus interest ) to remedy this. They have also continuously called me at home, work and my personal cell phone in an attempt to collect this debt. I advised that this loan was illegal in my state but that I would attempt to resolve it after looking into this further. The representative has continued to contact me at work yelling at me that I owe this money because I took the loan. I am now reaching out to Consumer Finance to see what options I have to resolve this. I am requesting that this account from NCB Management be removed from my credit report as it is from a debt that is illegal in my state that I attempted to rectify with the original creditor.
05/05/2017	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt is not yours	TN XXXXX	Web	Servicemember
I have filed a previous complaint about this company. Complaint number : XXXX on XX/XX/2017 . They admitted to purchasing the debt from a company called XXXX . They admitted to attempting to collect the debt they had purchase. They sent me mail containing information of a car purchase. Non of the information mailed to me contain a contract between me and NCB management. I have notice this collection has come off of my XXXX credit report, yet remains on the other bureaus credit report. As I gathered information to give to the STATE 'S ATTORNEY GENERAL. I did a search for NCB MANAGEMENT SERVICE l icense. I have found they are in direct violation of TENNESSE FAIR DEBT COLLECTION PRAC TICES ACT 62-20-101. NCB MANAGEMENT SERVICE does not have a license in the state of TENNESSEE. They can not collect on a debt. TENNESSE FAIR DEBT COLLECTION PRACTICES ACT 62-20-105 states no person shall commence, conduct or operate any collection service business in this state unless such person holds a valid collection service license issued by the board under this chapter, or prior stat law. TENNESSE FAIR DEBT COLLECTION PRACTICES ACT 62-20-108 ( a ) ( 1 ) Every collection service shall have, for each location at which it conducts business a location manager who has submitted an application on a form prescr ibed by the board. TEN NESSE FAIR DEBT COLLECTION PRACTICES ACT 62-20-123 states a willful violation of this chapter, or any rule lawfully promulgated thereunder, is a Class C misdemeanor. NCB MANAGEMENT SERVICE is in direct violation. This will be the last communication I send before sending my evidence to the STATE 'S ATTORNEY GENERAL OFFICE.
02/02/2021	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt is not yours	NC 27513	Web	Servicemember
NCB Management services has refused to supply proof of investigation of a fraudulent Acct # XXXX I have written NCB Management services on several occasions. They have responded and told me that they will not reinvestigate the matter. Under section 616 of the FCRA XXXX is required to supply proof and method of their investigation. NCB Management services has yet to abide by the law. This blazing attack on my credit worthiness has caused me great financial harm. Therefore, I'm giving one final goodwill reach out before suing under section NCB Management services also claimed to CFPB that they need approval for account due to me listing another source on the complaint. This is not true NCB Management services has again used another stall tactic in order to circumvent the law. XXXX XXXX XXXX has full authority to access my account just as much as they have allowed an erroneous account to be reported without any true verification. This is another stall tact NCB Management services XXXX XXXX XXXX has had ample time to correct this erroneous information. They have yet to send me document level information baring my signature. I request that NCB Management services send this document from their address showing proof NCB Management services has in possession of any document baring my signature. I do not consent to any form of electronic investigation using XXXX XXXX or any other data collecting firms that also have erroneous information NCB Management services actions has caused me financial damage and credit worthiness. I plan to pursue every legal action available to rectify this problem. Including but not limited to civil lawsuit.
12/28/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TN 38128	Web
On XXXX I received a notice in the mail from NCB Management services stating that it was an attempt to collect a debt. The letter also had a logo and/or symbol on it. Pursuant to 15 USC 1692b ( 5 ) - Acquisition of location information which states : Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall5 ) not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt. That is a XXXX $ violation pursuant to 15 USC 1692k -Civil Liability. This letter also stated that they have different payment options for me to pay them. This is misleading because I never validated the debt. This is a violation of 15 USC 1692e-False and misleading representations which states : A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. I have proof of this document attached. this company is also communicating with me indirectly through other companies such as credit reporting agencies after I sent them a cease and desist this is a violation of 15 USC 1692c ( C ) ceasing communication which states If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt
03/01/2023	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was paid	CA 920XX	Web
NCB Management Services is attempting to collect an alleged debt from me on behalf of XXXX. NCB is not the original creditor and in fact a 3rd party debt collector. In the letter attached to this complaint, XXXX clearly states that the alleged debt was charged off. Pursuant to Federal law, a charge off means that this debt is written off by the creditor. In the same letter, XXXX also clearly states that after they wrote off the debt, they then sold it to NCB. This is misleading and illegal. Pursuant to Federal law, when a debt is charged off, the company is to provide the consumer with a 1099 so the consumer can report the amount as income on their income tax. Pursuant to Federal law, it is illegal to furnish income on a consumer 's credit report. Since XXXX had clearly admitted to charging off the debt, the account should have then been deleted from all of my consumer reports at the time of charge off, not sold to be collected upon by a company who has no 1st hand knowledge of the alleged debt. Pursuant to Federal law the consumer has to give permissible purpose and written instructions for information to be furnished on their consumer reports. I did not give written instructions to XXXX nor NCB to furnish this incorrect and illegal information to my consumer reports. I also do not have a contract with NCB Management Services. NCB is attempting to collect a debt that is legally not valid. NCB still continues to tarnish my reputation and credit with their false allegations and lies. This is still causing me undue hardship and discrimination against my credit die to their negligence and illegal practices.
04/20/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NJ XXXXX	Web
NCB continues to violate the FCRA by the following : Provide 609 Letter with the following detail, Pay off disclosure, Interest Rate Disclosure, Payment History and credit insurance details. IRS Publications 4681 ( 2021 ), Canceled Debts, Foreclosures, Repossessions, and Abandonments. IRS defines Charge-off as gross or ordinary income. Income does not get reported on a customer report. Therefore, the reporting of this account as a debt is inaccurate and I am requested to cease and desist the reporting of incorrect/inaccurate information immediately. In addition, The continued reporting of the inaccurate information is a clear violation of the laws 15 U.S. Code 1681s2 of your responsibilities as a furnisher of information, if you singularly or severally fail to comply with the above requests, I reserve the right to seek damages against all parties, under all available State and Federal statutes and UCC-9 Part 6 remedies. 15 U.S. Code 1681 ( a-4 ) Congressional Findings and Statement Purpose As a consumer Congress gives the right to privacy, I demand a removal of this account immediately. The law states There is a need to insure that consumer reporting agencies exercise heir grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy. According to consumer Law collection agencies must be in the state in which the consumer resides, The agency is is PA I reside in NJ. All information must be accurate and verified according to FCRA, Inaccurate reporting is a violation and proof is attached of all the inaccuracies reflecting on my consumer report.
01/18/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	MI 49424	Web	Servicemember
I received a letter back in XX/XX/XXXX saying I had to pay this debt of some $ XXXX dollars. I called NCB and was told this was an online loan taken out in my name back in XXXX. I had never received any letters about this debt until NCB contacted me in XXXX and they are a 3rd party debt collection service! The bank who allowed this fraudulent loan be given out never even contacted me themselves! Not once! Whoever did this had all of my personal information. The lending company says they never asked for a copy of my ID. They still gave out a loan to internet hackers regardless. NCB told me to file a police report and send it in and they would remove this fraudulent account. I did that and not only did they continue with collection efforts they reported this fraudulent account to all 3 credit bureaus! I had excellent credit until they did this to me. This is wrong on every level! Why did I even go through all of the hassle of going to the police department and sending in the information they requested if its not going to change a thing! On XX/XX/XXXX NCB sent me a letter saying they received my dispute and said " After conducting an investigation we have been unable to substantiate the allegations in your dispute. '' I need help!!! This is not right. I will get an attorney if need be. Please help. I will never pay a debt that is not mine. This is unfair. I pay my bills and debts. My credit is ruined because of this. NCB ensured me not to worry and send in the police reports and it would be done. They continually lie over and over. Please please help. Thank you so much. Sincerely XXXX XXXX
01/11/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL XXXXX	Web
TIME OUT!!! WAIT A MINUTE!!! This is my XXXX attempt at respectfully trying to achieve a lawful resolution to my situation. I've asked on XXXX occasions to have an investigation of an item that is reporting inaccurately on my credit report removed. My complaint was closed ( XXXX ) as the company NCB is using a stall tactic claiming that I am using a XXXX party to submit this request and that additional authorization is needed. I am reopening my case offering my statement as proof that no such XXXX party exists in submitting my dispute. I've recently received notification from this credit reporting agency that the inaccurate information on my consumer report continues to report as being verified. There is NO WAY that this can be true. I am invoking my rights per the Fair Credit Reporting Act, Public Law 91-506, Title VI, Section 611, Subsection A-D for the credit reporting agencies to PROVE that they have actually DONE an investigation and not just submitted a response per a computer-generated document. These erroneous entries are detrimental to my overall credit rating and have caused me severe financial and emotional distress. This complaint is not being submitted through a 3rd party and by NO MEANS are there any additional authorizations needed for my inquiries to be addressed. I immediately demand that the entry that I have disputed be permanently deleted from my consumer report as it is reporting incorrectly. Should NCB refuse to do so, I will have no choice but to continue invoking my rights under the Fair Credit Reporting Act, Section 616, to pursue legal action to make me whole.
09/09/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Their investigation did not fix an error on your report	NJ 08046	Web
Dear Sir/Madam, I am writing to formally dispute inaccurate and fraudulent information present on my credit report, as governed by the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681i ( a ). The following account is in question : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Public Information Type of Business Personal Loan Companies - Line of Credit - Bank Line of Credit - Bank - Bank Credit Cards Personal Loan Companies Student Loans Bank Credit Cards Bank Credit Cards Student Loans Personal Loan Companies Miscellaneous Finance Student Loans Bank Credit Cards Bank Credit Cards Line of Credit - Bank I have reviewed my credit report , and it has come to my attention that the information pertaining to the above-mentioned account is erroneous and has a detrimental impact on my creditworthiness. I believe that my rights under the FCRA have been violated, and I am formally requesting an investigation and correction of this matter. The account in question has been inaccurately reported as mine. I suspect that my personal information may have been compromised and used fraudulently to open this account. I have not authorized any such account, and this is a clear case of identity theft. The credit reporting agency has not sufficiently verified the accuracy of this information before including it in my credit report, which is a violation of the FCRA.
06/24/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	WA 98103	Web
These collection companies are reporting that I have an open account which is not under FCRA compliance. NCB MANAGEMENT SERVICES # XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX ( XXXX ) XXXX Placed for collection:XXXXXXXXResponsibility : Individual AccountAccount Type : Open Account Loan Type : DEBT BUYER Balance : $ XXXXDate Updated:06/13/2021Original Amount : {$1400.00} Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Pay Status : >In Collection< Remarks : >PLACED FOR COLLECTION< Estimated month and year that this item will be removeXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX ) XXXX Placed for collection:XXXXResponsibility : Individual AccountAccount Type : Open Account Loan Type : COLLECTION AGENCY/ATTORNEY Balance : $ XXXXDate Updated:XXXXOriginal Amount : {$420.00} Original Creditor : XXXX XXXX XXXX XXXX Past Due : > $ XXXX Pay Status : >In CollectionPLACED FOR COLLECTION< Estimated month and year that this item will be removed : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Placed for collection:XXXXResponsibility : Individual AccountAccount Type : Open Account Loan Type : COLLECTION AGENCY/ATTORNEY Balance : $ XXXXDate Updated:XXXXOriginal Amount : {$360.00} Original Creditor : XXXX XXXX XXXXXXXX Past Due : > $ XXXX Pay Status : >In Collection< Remarks : >PLACED FOR COLLECTION< Estimated month and year that this item will be removed : XX/XX/XXXX
06/02/2023	Yes	Debt collection Payday loan debt	Written notification about debt Didn't receive notice of right to dispute	LA 70508	Web	Servicemember
I recently filed a XXXX, in regards to collection company, NCB XXXX XXXX I reported that I had not received paperwork from this company, in regards to an account. Which I had not. I checked my XXXX XXXX XXXX emails and saw no mail images, from XXXX XXXX or XXXX XXXX delivered to my home. However, after receiving the first piece of mail, from XXXX XXXX, on XX/XX/XXXX ; it is stated that they are trying to collect on an account for an online loan company, that I know as, XXXX. I was not aware that this company does business by another name. So, of course I had no idea which company this was, reporting negatively to the credit bureaus. I do have a contract with XXXX. However, as initially stated. I did not receive any formal correspondence, in regards to my account being in jeopardy of being sent to collections. Which was the complaint towards companies, XXXX XXXX, XXXX XXXX. After doing some digging for possible emails from XXXX, since there were no letters sent ; I did find an email. An email that stated that my account had been sold in XX/XX/XXXX, to XXXX XXXX. What I did not receive prior to the account being sold, was any letter or email, providing me a balance of debt, at the time, I was given no option to clear the debt, before the account being sold, either. I had to do a strenuous search, in order to find the single email, in regards to my account being sold. I believe that I should have received more than a single email, for such a matter. I do not believe that XXXX did their due diligence, in order for me to pay off the debt, being it was sold.
10/13/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL XXXXX	Web
I have previously tried to work with NCB Management and they refuse to remove this alleged debt from the three major credit reporting agencies and continue trying to make me owe the debt. I have already mentioned to them that I need proof of this debt and simply presenting an agreement between them and the original creditor is not proof. NCB Management only provided me with an agreement between NCB Management and XXXX XXXX XXXX XXXX. NCB Management took the risk of owning that debt and it is now their responsibility. I do not have a contract or agreement with NCB Management. They are not prohibited to attempt to make me pay a debt I did not agree with them. They are also not licensed to collect a debt in the State of Florida. You can see that copy attached, so they must by law, cease and desist all collection of this debt and zero out the balance along with deleting this information from all major credit bureaus. NCB Management claims they sent me communication when the alleged debt was first transferred over to them but I never received it and I haven't received a copy of this alleged letter either. This has taken so much energy out of me. I was trying to purchase a home, but this is stopping me from doing so. I am mentally, physically, and emotionally drained from working on this matter to make a better life for me and my family. Per Social Security Administration, NCB Management would need to provide me with an SSA-89 government form giving them permission to use my personal information and if they do not have that form with my signature, that is identity fraud.
07/11/2020	Yes	Debt collection Payday loan debt	Written notification about debt Didn't receive enough information to verify debt	MS XXXXX	Web
On XX/XX/2020 I received a letter and repeated calls from NCB management services claiming I owe them {$1200.00} and they are representing an account for XXXX XXXX XXXX XXXX ( which I do not believe is a real and licensed business in the state of Mississippi ). I contacted them immediately because I did not believe I owed this amount, or anything at all to NCB or XXXX XXXX XXXX XXXX. I emailed their listed email address info@ncbi.com, and mailed them a physical copy- after no response in several business days, I called their number and spoke with someone named XXXX , he stated they received my email and letter and that all communications have stopped and I should not received any calls or emails about the debt owed ( per my request in the email/letter ). He also stated the company was working on providing me with the validation or how it can be resolved regarding my credit bureau ( as my email requested the trade line be fully deleted from my credit bureau ). I thanked him for his time and we ended the call. Since I have had zero information provided to me from them in anyway, they continue to send me collection emails ( last received one to my school email on XX/XX/2020 ), and they have not provided validation of this debt to me or any credit bureau other then their falsified charge off. Since it has been well over 30 days and they received my request via email, writing, and verbally, as well as verbally confirmed acceptance of these requests- I seek to have the trade line 100 % removed from all credit reporting agencies as they have failed to comply with the FCRA.
02/20/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	MD 20853	Web
I am writing to dispute and alleged debt with NCB management services, After numerous attempts ( letter sent to debt collector for validation ) they were unable to validate that I owe this alleged debt. How is this possible? under the laws of the XXXX these negative items still being reported on my credit report I have contacted the collection agency for proof ( copies of my signature, original contract with me and debt collector in agreement, original copies of the last statement or actual bill with me and debt collector. No official document or authority the collection agency has such as a license to collect in my city or state after numerous attempts still unable to get them to verify with any official permission documents that this is indeed my debt Ive enclosed copies of my recent request to the collection agency asking them to validate this alleged debt and the receipts showing that I sent these letters certified signature requested this alleged debt is not mine and I was given no evidence of my obligation to pay. The steps to the collection agency XXXX requires you to verify and validate the items within XXXX days. If the validity can not be verified debt collectors obligated by law to remove the items. I will use the courts as needed to enforce my rights under the XXXX I look forward to CFPB protection and to enforce the law against all perpetrators and violation of XXXX laws. CFPB protect my right to a fair and accurate credit report, also if legal action taken and CFPB find such perpetrators negligent against myself CFPB called as a witness on my behalf.
10/25/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	CA 92243	Web
NCB Management Services INC sent me the consumer [ XXXX XXXX ] collection letters about an alleged debt. After looking into the alleged debt in all three ( 3 ) Credit reporting agencies XXXX, XXXX, and XXXX I then moved forward to dispute this alleged debt with NCB Management Services INC . I sent NCB Management Services INC three letters of dispute with a conditional communication via mail correspondence only. I did receive a response from NCB Management Services INC . NCB Management Services INC did NOT send me lawful validation of this alleged debt pursuant to 12 CFR 1006.34 - Notice for validation of debts. Furthermore NCB Management Services INC sent me a letter that advises me about a Data Breach. I Lisette Loera found NCB Management Services INC now in violation of Identity theft for obtaining my information under false pretense and furnishing without having permissible purpose of the consumer which in this case is me. I will provide documents to support my claim. Below are the laws that support my claim. Persian to 15 U.S. Code 1681s2 ( a ) ( 1 ) ( A ) They Are PROHIBITED BY LAW to furnish any public information without informing me about my consumer rights which NCB Management Services INC did continue to furnish my public information without having permissible purposes, from [ XXXX XXXX ] pursuant to 15 U.S. Code 1681b ( c ) ( 3 ) Permissible purposes of consumer reports. 15 U.S. Code 1681 q - Obtaining information under false pretenses. 18 U.S. Code 1028A - Aggravated identity theft. These are the violations of Consumer LAWS
07/12/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Problem with personal statement of dispute	TX XXXXX	Web
I have made several attempts to NCB Management Services , Inc. to provide me with a SIGNED and DATED ORIGINAL CONTRACT between myself, XXXX XXXX and NCB. They still have not provided me with the information I've requested ( now demanded ). According to the last results from a previous dispute : The account is an auto loan originating with XXXX on XX/XX/XXXX for the purchase of a XXXX XXXX, XXXX. As a result of XXXX selling the account to NCB, they assigned their rights regarding this account to NCB. This statement means XXXX has sold this contract to another company. That means the contract between me and XXXX is CANCELLED. THE DAY NCB FINALIZED THE SALE OF THE DEBT FROM XXXX, THE CONTRACT HAS BEEN CANCELLED. As stated in our letter dated XX/XX/XXXX, NCB is now the current creditor to whom the debt is owed. This statement means NCB is now the credit for this debt. Since this debt is carried under NCBs umbrella, WHERE IS THE WRITTEN AND SIGNED CONTRACT BETWEEN ME, XXXX XXXX AND NCB?!? I have been repeatedly asking for the SIGNED contract between myself and NCB. They continue to grandstand and NOT service my request. They keep sending me alleged documents between me and XXXX but not the SIGNED contract between myself and NCB. I have attached the request letters sent directly to NCB to send the contract I've request ( WRITTEN and SIGNED contract between myself and NCB EXCLUSIVELY ) and the latest copy of the response they have sent. Please pay attention to the information highlighted on the first page of NCB 's document.
12/07/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	CA 94602	Web
I am submitting this complaint because I am being extremely affected by Credit NCB MANAGEMENT SERVICE. They are being completely unfair and I dont know how to get ahold on them but through this portal. I want to express that I have suffered a big impact in my credit score and I have lived one of the worst periods of my life with all this situation. This company has been reporting wrong information, re-aging the account, they have failed to mark account as disputed, they have also reported multiple billing errors by charter Internet ( original creditor ) and unfair business practices. The account information is the following : NCB MANAGEMENT SERVICES INC . Opened date : XXXX XXXX, 2020. Balance : {$5100.00}. Original Creditor Name : XXXX XXXX XXXX XXXX CALIFORNIA. My demand is based on many damages and all the violations that they have committed : 1. Violation of XXXX. 2. Violations of California XXXXXXXX XXXX 3. Failure to report first delinquency date. 4. Excessive calls. 5. Violation of California Consumer Protection Act. 6. Failure to validate account and produce itemization and debt instrument. 7. Violations of CCRA. 8. Deceptive business practices. 9. Negligence. 10. Charging unconscionable interest of 146 % as set for by California Supreme Court ruling of XXXX XXXX XXXX vs XXXX XXXX. Your company is not registered in the business search for California, nor for Pennsylvania. I WANT THIS ITEM REMOVED FROM MY CREDIT REPORT ASAP. Please see the attached documentation to this company. Thank you.
09/13/2022	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt is not yours	FL 33025	Web
I have attempted to fix this situation with XXXX which they sold this fraudulent account to NCB Management Services, I have sent letter to provide information of : 1. The original Retail Installment Sales Contract or Lease Agreement, associated with the sale and financing / leasing of this vehicle. Please be sure to include any arbitration provisions. 2. The full payment history on this account. That includes monthly balance, required minimum payment, and the actual amount paid. Please be sure to include the date of each payment. 3. The Notice of Sale / Notice of Default, informing me of the date, location and method through which the vehicle would be sold, and how I could redeem the vehicle. Please provide proof of mailing for this letter. 4. Explanation of Calculation of Surplus or Deficiency, including an itemized description of costs and fees. Please provide proof of mailing for this letter. 5. Any notices regarding our clients right to redeem personal property contained in the vehicle. Please provide proof of mailing for this letter. 6. Details regarding whether this was a public or private sale. If this was a private sale, please advise as to whether this was a wholesale transaction ( dealers/ vendors only ) or open to non-professional buyers. Nothing has been sent back to me. Letters were sent on XX/XX/2022, XX/XX/2022, and i even submitted complaints of fraudulent activity via the CFPB about 1 month ago and XXXX 's response was that they sent a letter of their investigation. No investigation happened though.
11/12/2017	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	LA 710XX	Web
I contacted XXXX XXXX XXXX by mail to validate debts : XXXX ). XXXX XXXX Account XXXX Amount {XXXX} ; Collection Agency XXXX XXXX XXXX XXXX Account number : XXXX Amount XXXX ; XXXX ). XXXX XXXX A Account Number XXXX Amount XXXX ; XXXX XXXX : XXXX XXXX XXXX Account Number XXXX Amount {XXXX} ; XXXX ). XXXX Account XXXX XXXX XXXX XXXX} ; XXXX ). XXXX XXXX XXXX, Account Number : XXXX Amount {XXXX}, Collection Agency : NCB Management Service : XXXX Amount {XXXX} and XXXX XXXX Account Number XXXX Amount {XXXX. They did not provide legitimate proof. I have called numerous of times this past month asking a customer service representatives how my debts were verified she did not have any information on these accounts that was supposedly mine. I 've requested to speak with a supervisor on many occasions, they did not provide adequate information either on how they { proved the debt was mine verified and validated } and was in hurry to get me off phone when I asked questions about these collection account. The supervisor told me that they could dispute the accounts again but I 've told her that I have repeatedly disputed each account four times this year XXXX, XXXX, XXXX and XXXX XXXX. I 've also requested proof of the collection agencies right to collect on the debts listed above and still no proof provided. I will provide proof where XXXX have removed some debts listed above but all three bureaus need to removed all debts immediately. I greatly appreciate your help in removing the following debts from all three credit bureaus.
07/13/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 77373	Web
This is a formal complaint against NCB Management Service located in XXXX, PA. This company has repeatedly violated my consumer rights under the Fair Debt Collection Practices Act and has caused me much unnecessary financial AND mental distress. For starters, they're reporting an erroneous & unverifiable collection account on all 3 of my credit reports, XXXX XXXX and XXXX and not to mention an account in which I've asked for proof of claim and in which they have refused to validate per my request under the Fair Debt Collection Practices Act. Despite my efforts to resolve this unfortunate nightmare for nearly a year now, NCB Management Service has completely ignored my communications and legal submissions to remove this inaccurate information from my credit reports. I am well aware of the many, many other complaints filed against this company for their illegal and unethical collection practices - disguising themselves under multiple business names and using ILLEGAL collection practices all across the country. Yet, somehow, this company is still in business. This company 's unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a Professional and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon.
06/07/2018	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was paid	UNITED STATES MINOR OUTLYING ISLANDS 75901	Web
Last Friday my wife and Ii called XXXX XXXX XXXX credit card division in order to pay and old accounted my wife 's. We were told by the mortgage company we are currently going ough to refinance our home that it needed to be paid and reported to the credit bureau in order to do a rapid restore of her credit. We call XXXX XXXX XXXX, and they told us we needed to call NCB. Management because they were handling the debt. I asked why couldn't they just call and let them know its being paid. They so no we had to call them. We called NCB they told us it had to be a cash payment through XXXX XXXX we ran out to XXXX XXXX and pulled money out of the ATM to make the cash payment. Monday NCB got payment and sent us a letter that we had a XXXX balance. Today I called XXXX XXXX XXXX to give verbal authorization to allow the credit bureaus to verify the XXXX balance. XXXX XXXX XXXX said they did have the payment, and it would take them 14 days to get it. NCB said they had already sent it to XXXX XXXX XXXX. Called NCB back and they varied it had been sent. I said it seems punitive to make the customer wait all those days, but the account is paid of. They to me they should have it updated already. The regular wait time is 30 days while the investigate. There was no investigation because it was paid in full. Why make the customer wait another 30 days while you sill put a negative entry in there c edit reports again, but you already have their money. This seems vey good XXXX and a violaltion of the Fair Credit reporting act.
11/28/2022	Yes	Debt collection I do not know	False statements or representation Attempted to collect wrong amount	PA 19142	Web
Consumer : XXXX XXXX XXXX : XX/XX/XXXX SSN : XXXX Notice Of Cease & Desist This is a warning notice to the alleged wrongdoer of such debt which youre a debt collector because you are simply attempting to collect multiple alleged debts. I noticed I've been violated pursuant to the FDCPA, there is evidence of the use of abusive, deceptive, and unfair debt collection practices. There is also evidence of aggravated identity theft, misleading representations & harassment. These practices resulted in the infringement of my intellectual property rights. Pursuant to XXXX XXXX XXXX ( c ) ( XXXX ) I am invoking my specified remedies as a federally protected consumer. I am demanding all of the following : I refuse to pay this alleged debt. Stop illegal negative reporting activity to ALL consumer reporting agencies. Report positive monthly to ALL consumer reporting agencies Check of {$3000.00} for violations. XXXX XXXX ( not a billing statement ) XXXX, this is a notice pursuant to the FDCPA. Failure to honor the demands above and send proper validation of the alleged debt within 14 days of receipt of this notice, shall : Be taken as tacit agreement to the claims set forth, XXXX the consumer all demanded remedies and Will result in litigation/ and or arbitration. ( XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX ( XXXX XXXX XXXX ) Assignees who are debt XXXX are responsible for the actions of those collecting on their behalf ; citing Police, XXXX at XXXX. ) Respectfully, XXXX XXXX
06/12/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	OH XXXXX	Web
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX This letter is my LAST request for you to remove your inaccurate and unverifiable accounts from my credit report. Once again, note that this is not a refusal to pay, but a notice sent pursuant to the FDCPA 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation is requested. The following accounts remain unverified, even after multiple attempts to receive validation from you. I request that these accounts be immediately removed from my credit report with all credit bureaus that you report to : NCB MANAGEMENT SERVICES, INC Furthermore, I believe I may have received telephone communication from your company even after I specifically requested to not be contacted by phone. As you know, this constitutes a violation of the FDCPA. I will be closely reviewing every call I've received from unknown numbers, but I am nearly certain these calls came from your company. According to the FTC, consumers can sue a collector in a state or federal court within one year of the date the FDCPA was violated. Consumers can sue for damages, like lost wages and medical bills. Even if a consumer can't actually prove damages, they can still be awarded up to {XXXX} plus reimbursement for attorney 's fees and court costs. A group of people suing as part of a class action lawsuit can even recover money for damages up to {XXXX}, or one percent of the collectors net worth, whichever amount is lower. Best Regards, XXXX XXXX XXXX
09/16/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	MO 631XX	Web
Good Morning, Request for Deletion of Charge-Off I hope this letter finds you well. I am writing to formally request the deletion of my charge-off, as per the terms of the Forward Follow Agreement that was previously agreed upon between your company NCB management services inc and XXXX XXXX XXXX As outlined in the agreement, the purpose of the Forward Follow Agreement was to allow the collection of specific data for a predetermined period of time. However, the agreed-upon period has now come to an end, and I kindly request that you initiate the deletion process for the charge-off as specified in the agreement. Please ensure that all data related to the collection is completely and irretrievably deleted from your systems and any associated storage devices. This includes any backups or duplicates of the data that may exist. I also request that you provide me with a written confirmation of the completion of the deletion process. I understand that data privacy and protection are crucial, and I appreciate your attention to this matter. If you require any additional information or documentation from my end to facilitate the deletion process, please do not hesitate to let me know, and I will promptly provide the necessary details. I kindly request that you carry out the deletion process within 3 business days to comply with the terms of the agreement. Thank you, For your cooperation in this matter. I look forward to receiving your confirmation of the deletion process.
09/22/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	SC 290XX	Web
Upon pulling my consumer financial report I discover that there is information that is deemed to be fraudulently reporting from this company. On XX/XX/2021 I sent certified mailing informing them of these fraudulent actions. I have discovered that this debt collector Pursuant to 15 USC 1692 ( a ) have violated my privacy completely. I did not provide this debt collector with direct consent that they could contact me via mail or any other communication which is required pursuant to 15 USC 1692c ( a ). When looking at the amount owed on my consumer credit report pursuant to 15 USC 1692e ( 2 ) ( a ) the character and the amount is misleading to the amount, reporting on my report is of a positive balance which is a misrepresentation. This company also seems to have committed identity theft due to myself never doing business with them about this matter and purchasing my information concerning me as a consumer in order to collect on a debt pursuant to 15 USC 1692e ( 10 ). I did not provide this debt collector with direct consent that they could contact me via mail or any other communication which is required pursuant to 15 USC 1692c ( a ). I notice that this company showing on my consumer report as a charge off which is also a violation pursuant to 15 USC 1692e ( 12 ) and has damaged my reputation and have also hindered me to obtain certain jobs due to being present on my consumer report. I have attached documentation that I have sent to this company concerning this matter.
06/24/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Problem with personal statement of dispute	GA 30507	Web
I had a car that was totaled by my ex who took my car without permission and had a car accident and he got a lawyer and supposedly settled and the insurance paid the vehicle that was in XXXX or XXXX I believe. Well now in XXXX it showed up on my credit report stating the loan was opened in XXXX of XXXX and that is completely false. Ive tried disputing and it doesnt get removed. I tried calling the company and they dont even have any information to give me about the account, I explained to 5 different people it was paid off by whoever hit him their insurance paid it. I was told that from his attorney because I have a restraining order on him we do not speak. I even had the police report saying I wasnt in the vehicle so The other person at fault was responsible for the pay off. I need this off of my credit report. The date is wrong this account wasnt opened in XXXX that is completely false information. And to my understanding it was paid off this was 5 years ago. I dont know if they put the payoff on wrong car since the check came from his name since hes the one who settled. I dont know but this needs to get fixed. Its been 5 years and when I call to ask more information to NCB management they had zero information to give me. They couldnt explain why that debt is there. Ive attached picture of court document where we went to court for him stealing my car and totaling it and a picture of the date and year so you can see theres no way the account was opened in XXXX
10/21/2019	Yes	Debt collection Auto debt	False statements or representation Attempted to collect wrong amount	TX 775XX	Web
On XX/XX/2017 I became XXXX and still am XXXX now. For 6 months following my initial XXXX date I received no income. It was hard to even keep food on the table. Id bought a vehicle prior to my XXXX and could no longer afford payments. I contacted my finance company to voluntarily surrender the vehicle. They wouldnt acknowledge this and rather than picking up the vehicle, they continued to harass me for the payment for 5 months, all the while the vehicle sat in my driveway undriven and in immaculate condition. Then, it was repod like a thief in the night. Id have given them the keys but they preferred to treat me like a criminal. After a couple of months, I began receiving calls from a debt collector. The truck had been auctioned and of course, there was now a negative balance they claimed I owed. This debt collector called both my wife and Is cell phones Sundays, Saturdays, morning, night, holidays, etc, daily demanding a payment. This went on until just a couple of months ago when I explained that I have been on XXXX and didnt realize the dealer shouldve paid off the vehicle with my XXXX insurance I was sold by the finance department. Theyve now sold the debt to a new debt collector. I challenged this debt with XXXX XXXX who ruled in the debt collectors favor, naturally. Im trying to buy a house now and cant because this bogus XXXX is on my credit report. Id like to sue all involved. They shouldnt be able to get away with ruining a XXXX mans life, but they do.
11/04/2021	Yes	Debt collection Auto debt	False statements or representation Attempted to collect wrong amount	KY 40219	Web
Recently NCB responded to my complaint, and admitted to reporting the incorrect dollar amount to the credit bureaus. NCB stated they purchased the account for {$16000.00} and are reporting this amount to the credit bureaus instead of the actual deficiency balance. Based off FDCPA and FCRA you are not allowed to report the wrong dollar amount, inaccurate information, or incomplete information. The information is incomplete as the documents you submitted do not outline how you come up with the {$16000.00} you are reporting. Im simply going based off your most recent explanation/ response as how NCB come up with this dollar amount. Again, the documents you provided do not state the {$16000.00} as the deficiency balance. Please report the accurate delinquency balance to the credit bureaus and remove the collection account immediately as the dollar amount you are reporting is not the accurate deficiency balance. Also, you didnt provide documentation of the last bill statement, documents confirming how you came up with the {$16000.00}, or provide anything stating I am able to dispute or even took the initiative to upload documents through cfpb. Maybe CFPB can take a look to see where the inaccuracies are. Again, your company has been aggressive and not satisfied my request to remove the collection. It IS a violation of the FDCPA and FCRA and I demand it be removed. If not removed, my next step will be to hire an attorney and take the matter to court
03/01/2020	Yes	Debt collection Auto debt	False statements or representation Attempted to collect wrong amount	NV 89012	Web
NCB, a known predatory abusive and inaccurate data reporting. They allege I owe {$9900.00} each month they put in my credit report a late payment, lowering my score,. The statutes of Nevada states the date of the alleged debt starts with the original debtor. 1st I owe the original debtor XXXX nothing and my last communique with them was XXXX of 2015. This alone is considered beyond statutes. NCB continued to report derogatory and predatory information as though this debt started each time they report is every month as a missed payment. I have unequivocally told them, the amount is false and they are beyond NRS starutes. They continue to falsify the time when the alleged debt started in an attempt to appear they are within statutes when according to law the alleged debt is bound to the original creditor XXXX. I've called them provided proof this debt is inaccurate and also considered beyond statutes of limitations per Nevada criteria. XXXX and NCB continue to falsely harass and damage my credit. I request they be removed from my credit report with all bureaus as their main objective is harrasmentm falsifying records to garner payment that is not owed. They are under investigation for numerous accounts of falsifying dates, amount owed to criminally enrich themselves by doing aforesaid action. I request they are ordered to cease and desist this damaging false allegation. They are predatory, actions tantamount to willfull misconduct,
04/05/2018	Yes	Debt collection Auto debt	False statements or representation Attempted to collect wrong amount	GA 30062	Web
Hello, I am seeking resolutions to handling FCRA violations done against me by debt collection agency, NCB Management Services, who is violating the provisions of the FCRA, which has caused my credit score to drop tremendously, resulting in receiving higher interest rates on loans ( specifically, a home loan I am trying to obtain currently ). 1. NCB Management Services is falsely reporting information to all 3 major credit reporting agencies, XXXX, XXXX, and XXXX that I owe them a debt in the amount of {$11000.00}. Violations include but are not limited to falsely reporting a debt as new or re-aged by altering dates such as changing the " Date Opened '' on my credit file to make the account appear newer than it is ( which has also resulted in my XXXX score taking a major plunge recently because it is reporting as a new debt ). Also, they are falsely reporting as a factoring company when they are actually a debt collection company. This is a violation to FCRA. And also listing themselves as the " Original Lender '', another violation to FCRA. I have documentation showing that this debt collection agency was removed back in XX/XX/2017 to only learn they are still reporting to all 3 major credit reporting agencies. I am still baffled how! Please help me in what seems to be a never ending uphill battle with this debt collection agency who is practicing illegal debt collection activities. Kindest Regards, Frustrated Consumer
09/19/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	MO 631XX	Web
Cease and Desist Communication Regarding Charge off I am writing to formally request that you cease and desist all communication with me regarding the debt.which you claim I owe. This letter is not an admission of any liability for this debt but a request for you to halt all communication concerning it. According to my records and the relevant statutes of limitations, this debt has been charged off, and it is no longer legally collectible. Furthermore, any attempt to collect or re-age this debt is in violation of the Fair Debt Collection Practices Act ( FDCPA ) and other applicable laws. Therefore, I insist that you : 1. Cease and desist all written and verbal communication with me, my family, or my associates concerning this debt. 2. Do not report this debt to all credit reporting agency and request for deletions to credit reporting agencies. 3. Do not sell or transfer this debt to any other third party. 4. Provide written confirmation, within 30 days of receiving this letter, that you have ceased all collection activities related to this debt. Please consider this letter as a formal warning that I am aware of my rights under the FDCPA, and I am prepared to take legal action if you do not comply with this request. I request that you send all further correspondence related to this matter, including the confirmation of cessation, and deletion. Your immediate attention to this matter is expected and appreciated.
09/03/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	VA 22191	Web
This letter is being sent pursuant to the provisions of the Fair Credit Reporting Act, 15 U.S.C. 1681 et seq. This letter is in accordance with the Fair Credit Reporting Act ( FCRA ), which requires that all consumer information be accurate, complete, and verifiable. This Act also requires that all third-party credit reporting agencies ( CRAs ) investigate the accuracy of any information they receive from creditors, debt collectors, or other sources. As such, I am requesting that you investigate this information and remove it from my credit report if it can not be verified as accurate and/or complete. I am writing to dispute the following information that appears on my XXXX report from XX/XX/XXXX : XXXX XXXX XXXX XXXX Credit Card with account # XXXX opened on XX/XX/XXXX and a balance of {$570.00}. I am a victim of identity theft and I never opened this account. XXXX Credit Card with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. I am a victim of identity theft and I never opened this account. XXXX XXXX XXXX Charge account with account # XXXX opened on XX/XX/XXXX and a balance of {$50.00}. I am a victim of identity theft and I never opened this account. Collection account from NCB MANAGEMENT SERVICE with account # XXXX and a balance of {$3000.00}. The original creditor is XXXX $ XXXXXXXX XXXX Reported : XXXX XXXX, XXXX {$770.00} I am a victim of identity theft and I never opened this account.
01/05/2020	Yes	Debt collection Payday loan debt	False statements or representation Attempted to collect wrong amount	CA 92647	Web
NCB is the company. This was discharged in Bankruptcy as listed on my credit reports of XXXX and XXXX. On my XXXX XXXX, it does state Discharged in Bankruptcy which is correct. What is NOT correct is that this account is listed by XXXX XXXX under collections. My lawyer has advised that once an account is listed, it must have a XXXX balance, and closed along with no negative information other than the remarks of Discharged in Bankruptcy. I have contacted XXXX XXXX and they advise me to contact XXXX, XXXX and NCB. I have contacted all three of them and they have confirmed that per their files, NCB, XXXX and a XXXX that this accounts is not listed as collections, but Discharged in Bankruptcy. The issue I have is that XXXX XXXX states the information is correct as listed. I dont understand why no one from XXXX XXXX can correct this. The 3 companies confirmed it was discharged and closed. XXXX XXXX will not remove this account from collections to closed. This is fraudulent information on my XXXX XXXX account from an agency that sends out my credit information and score. Please help me I have been going back and forth with them, no one will help me, they keep saying investigation confirm, this account is in Bankruptcy. Which I have advised for the past 8 months, that is true. I want them to move my file to closed. What can I do, this is nit right. Can you help me on this please and advise, what I can do.
02/11/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	CA 91605	Web
I have an account in collection with NCB Management Services Inc. On XX/XX/2018 I agreed to a payment arrangement with them and gave them permission to withdraw funds via electronic check from my checking account every month on the XXXX. I never give out my banking information, but agreed since they contacted me on my mothers phone ( not sure how they obtained this information ) and I was eager to resolve this account. On XX/XX/2018 an electronic check for {$780.00} was paid to XXXX XXXX Bank and initiated by XXXX XXXX ( Trace # XXXX XXXX XXXX XXXX XXXX ) on my checking account. On XX/XX/XXXX, the electronic check I approved for NCB Management Services went through for {$30.00}. Again on XX/XX/2018 another electronic check went though for {$310.00} paid to XXXX XXXX ; no name attributed to this charge ( Trace # XXXX XXXX XXXX XXXX XXXX ) Once more on XX/XX/2018 an electronic check went through for {$120.00} paid to XXXX XXXX ; no name attributed to this charge ( Trace # XXXX XXXX XXXX XXXX XXXX ) And again, On XX/XX/2018 another electronic check went through for {$300.00} paid to XXXX XXXX by XXXX XXXX ( Trace # XXXX XXXX XXXX XXXX XXXX ) After this transaction the checking account was closed. My bank denied payment to all the above transactions except to NCB Management. Since I have closed the account I request that prior payment arrangements be denied and I have not contacted NCB to make new arrangements.
07/20/2018	Yes	Debt collection Payday loan debt	Communication tactics Frequent or repeated calls	MD 21045	Web
Over the past month every day during the week and on the weekends. I receive a phone call from XXXX from XXXX XXXX. She has called my job at least 3 times and two times after the first time I told her not to via a voicemail. She keeps trying to pressure me into a cost in which I told her at this time i can't have phone conversations with you either i'm at work or I need to legitimately need to look to see if I can afford the cost by looking at my incoming and outgoing expenses. However, she calls every day not even allowing a chance of reprieve. Calling my job was really the last straw as I told her I can have issues at work, if she continues with her calling my job.They never even say the company in which I owe they just state their collection agency moreover, they give an added cost to the loan ( payday ) They include at least XXXX dollars more than what I actually owed. This started Second week in XX/XX/2018 and is still occurring at this time. I stated to her the reasons I couldn't afford to keep paying the loan company was because I couldn't afford the ridiculous interest rate and asked them if they could reduce and they wouldn't. I do have intentions of paying the company that I loaned this money from however, I do not have intentions of paying a debtor who may or may not have acquired my debt. Due to my husband loosing his job and me trying to care for a family of XXXX it has not been financially feasible.
10/10/2020	Yes	Debt collection Auto debt	Written notification about debt Didn't receive notice of right to dispute	WI 530XX	Web
Mid-day XX/XX/2020 ; I reached out to XXXX XXXX XXXX to find out what happened with the vehicle that was in my name. This was a vehicle that I had financed for someone and starting months back no longer recieved updates on from XXXX XXXX XXXX or the person that had possession of this vehicle. Through that phone call i found out that the vehicle had been repossessed, sold at auction and the debt had been sent off to a collection agency. They gave me the number to NCB Management Services , inc. and said for anymore information that I should call them. I called NCB Management Services, inc. shortly after and spoke to a representative who informed me that I owed XXXX left on the vehicle and instantly proceeded to ask for personal information. I obliged and gave my address and other contact information. When the phone call reached negotiations on the debt I told the representative that i needed to think about it and I never set up a payment arrangement with them that day or any other. On XX/XX/2020 ; I recieved a letter from NCB Management Services , inc. that stated that I had set a payment of XXXX to XXXX resolve the debt and that they had not recieved it. I did not make this payment arrangement and I did not promise NCB Management Services , inc. a payment of XXXX. Nor do I believe I was informed by NCB Management Services , inc. during any point in communication that I had the ability to dispute this debt.
08/28/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	WI 53223	Web
Recently after obtaining a copy of my credit report I discovered that NCB Management Services Inc is listed as a current creditor for : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and is reporting as open, and " Charged Off '' including Remarks ; Disputed resolved ; reported by grantor, consequently inaccurate balances have been furnished to all three credit bureaus. It appears the original creditor, [ XXXX ] sold the account to NBC Management Services for collection on XX/XX/XXXX, the initial loan amount reports a balance of {$2500.00} and secondly, a balance of {$2300.00} several disputes were filed with the Credit Reporting Agencies ( verbally and written ) between XX/XX/XXXX and XX/XX/XXXX. ( see attachment ) All three credit reporting agencies investigations have responded with " verified as accurate. '' According to the FCRA Section 609 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) is required and Section 611 ( 5 ) ( A ) mandates " promptly '' DELETION of all information that can not be verified. '' NCB Management has failed to provide its source about how this information was obtained in accordance with the FCRA, and has owned the account since XX/XX/XXXX and failed to provide appropriate debt validation required by federal law verification before posting to my credit report An attachment is included with complaint confirming a request to obtain debt validation.
11/15/2023	Yes	Debt collection Other debt	Communication tactics You told them to stop contacting you, but they keep trying	NJ 07087	Web
On XX/XX/2023 I had submitted a complaint with the XXXX true bureau, the cfpb stating that this agency is attempting to collect on a debt that I do not owe with the account # : XXXX. In that complaint, I stated that I want this agency to cease all communications as described in the fair debt collection practices act unless it was for the purpose of responding to a cfpb complaint. Additionally I had mentioned that they have violated my consumer rights and wanted to be compensated for it. On XX/XX/2023 the company responded in which they of course denied that they have broken any consumer laws and that they would " honor '' my cease communications request. I have just caught this agency violating my consumer rights once again and it is here on the cfpb and I demand compensation. The FDCPA describes communication as " conveying of information regarding a debt directly or indirectly to any person through any medium ''. Credit reporting is an indirect medium of which this company is using to communicate a debt as they furnished this information on the month afterwards and this month. This not only violates the fair debt collection practices act but it also violates the fair credit reporting act and my right to privacy as a consumer. I am humbly asking the cfpb to handle this situation or else I will be forced to litigate as I take my right to privacy and federal law very seriously.
10/19/2021	Yes	Debt collection I do not know	Communication tactics Used obscene, profane, or other abusive language	GA 30084	Web
An Affidavit of truth, Cease and Desist notice and a bill of particulars was received by NCB Management Services addressed to XXXX XXXX by certified mail on XX/XX/2021, these letters were in response to NCB Management Services numerous abusive emails being sent to my personal email from the past several months in which I never authorize NCB to communicate with. These deceptive and abuse emails were demanding {$20000.00} from me and at one time it was lowered to {$4000.00}, which appears that this company wants any amount of money I can give to them. I consider that a form of extortion. This company has parked this alleged debt on my credit reports without my knowledge of this debt. XXXX XXXX or NCB Management Services has NEVER verified a contract between myself and NCB for any amount of money nor any ledgers or accounting for this alleged debt has been presented to me. I have received more than 7 abusive emails, and as a consumer I discovered numerous violations on these emails. XXXX XXXX has not responded to my certified mail nor have they paid the bill of particulars or removed this alleged debt from my credit reports. Surprisingly I haven't received any more emails since NCB has received my Cease and Desist but they have not fulfilled the completed request to protect my privacy or stopped violating my consumer rights. This is my last effort to resolve before litigation.
11/23/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	OK 740XX	Web	Servicemember
There is an account reporting on my credit file that has been re-aged by the debt collector and is inaccurately reporting on my credit report. The account in question : NCB MANAGEMENT SERVICE # XXXX This account is tied to XXXX XXXXXXXX # XXXX. The date of first delinquency was XX/XX/XXXX and it is being reported by NCB MANAGEMENT SERVICE that the date of first delinquency was XX/XX/XXXX. I asked that the account be verified and it came back verified, however this is not possible since this account was NOT opened in XXXX and has clearly been re-aged. Re-aging a debt is highly illegal and I demand this account be removed immediately, as my consumer rights have been violated. According to FCRA Section 623 ( a ) ( 5 ) ( a ) : " In general, a person who furnishes information to a consumer reporting agency regarding a delinquent account being placed for collection, charged to profit or loss, not later than 90 days after furnishing the information, notify the agency of the date of delinquency on the account, which shall be the month and year of the commencement of the delinquency on the account that immediately preceded the action ''. My rights were violated as this account has shown up as a duplicate on my credit file and is littered with incorrect information and re-aged dates. This must be removed from my file ASAP. I have attached photos of the account in question.
05/09/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CA 90016	Web
On XX/XX/2019 received a letter in the mail from NCB Management Services Incorporated stating XXXX XXXX and XXXX XXXX has been purchased by them and I have a owed debt. To give them a call to resolve this account and they can offer payment options. The amount owed was {$2900.00}. I typed and signed a letter stating I did not owe nor had I ever opened a account with XXXX XXXX and XXXX and pusuant to the fair debt collection practices act I was respectfully wanting them to provide me with the amount of the debt, the name of the creditor, verification copies to whom this debt was owed, proof they are licensed to collect debts, proof of payments and when the account was opened. I stated I do not have any responsibility for the debt youre trying to collect. I sent this letter via usps with a certified and signature required mail on XX/XX/2019. On XX/XX/2019 I received a package in the mail with a letter from NCB and documents they provided of proof the debt. The information provided is not fully correct and this is a fraud debt. They sent a Elastic line if credit application, Assignment and Bill of Sale and a statement from XXXX XXXX and XXXX. I never have had a account with them nor does this show on my credit report. Information on the application is incorrect as my email, phone number, last employment, driver license number and bank information. I do not owe this debt.
10/12/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	CT 06457	Web
To Whom It May Concern, The reason for my dispute is NCB MANAGEMENT SERVICE XXXX was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623, subsection ( 7 ) ( A ). However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, NCB MANAGEMENT SERVICE failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, Under 809. Validations of date and Mini-Mirandi under Section807 ( 1 ) NCB MANAGEMENT SERVICE failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation NCB MANAGEMENT SERVICE is held liable as well for defamation and in the state of OHIO indebtedness with those of other creditors against an individual debtor or codebtors. FDCPA I fail to see where NCB MANAGEMENT SERVICE is in compliance with OHIO LAW. I also have report this account to the FTC, and Columbus Police Dept.I need this collection account to be removed from my credit report.NCB MANAGEMENT SERVICE has not even tried to contact me regarding this Fraudulent collection account. Please have them remove this collection account immediately.
10/01/2022	Yes	Debt collection Payday loan debt	Communication tactics Frequent or repeated calls	SC 295XX	Web
I have sent two cease and desist letters to NCB MANAGEMENT SERVICES to their mailing address on file back on XX/XX/2022, via email to XXXX on XX/XX/2022 then via email a second time on XX/XX/2022 when the harassing phone calls did not stop. I have attached the cease and desist letter to this complaint as well as a screenshot of the numbers NCB MANAGEMENT SERVICES has called harassing me from I have made multiple attempts to resolve my debt with rise credit however was unsuccessful. I did not receive any Mail notification or options to mitigate with NCB MANAGEMENT SERVICES, they have continuously harassed me. The Fair Credit Extension Uniformity Act encompasses the federal debt collection statute, the Fair Debt Collection Practices Act, and provides certain important restrictions on the conduct of debt collectors. Unless they have your prior consent or the express permission of a court, debt collectors and creditors may not communicate with you : At unusual times and places Before XXXX XXXX. or after XXXX XXXX Via telephone conversation more than once per week concerning a particular debt Using a specific method of communication ( e.g., phone calls or texts ) after you have requested that they stop communicating with you via that particular method At work, if they know your employer disapproves of such contacts When they know you are represented by an attorney
07/03/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CA XXXXX	Web
NCB Management Services , Inc. has listed an alleged debt on my three credit reports which I have no firsthand knowledge of and no contract in existence proving the debt reported is legally valid. No solicitation of service was ever performed and no request for the services this organization provides was ever requested by me. I have sent four certified letters on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ( receipt attached ) and XX/XX/XXXX ( receipt attached ) requesting verification that the alleged debt ( {$4400.00} ) is mine, including any documents bearing my signature agreeing to this alleged debt. NCB Management Services , Inc. has responded to the letters from XX/XX/XXXX XX/XX/XXXX with printouts of a bill and itemized documents ; however, they have just responded with a letter only to the request for signature validation on XX/XX/XXXX letter which also informed them that according to FTC opinion letter from XXXX XXXX XXXX, a printout of a bill or itemized document does not constitute verification. I have yet to receive any verifiable contract or document bearing my signature. I am requesting that since they can not provide indisputable proof bearing my signature of the alleged debt, that this account, including the Original Creditor ( XXXX ) be removed from all three credit reports and that this collection agency cease and desist from trying to collect from me.
08/08/2017	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 76010	Web
In submitted a written request for debt validation, on XX/XX/XXXX, to NCB Management Services. This letter was sent certified mail and was delivered and signed for, on XX/XX/XXXX. Under Texas Finance Code Section 392.202, NCB was to provide information that this debt was owed by me, how they calculated the amount owed, and that they were licensed to collect debt, in the state of Texas. According to that statute, if the debt was not validated within 30 days, NCB must cease all collection efforts and send notices to me and all credit reporting agencies that this account should be removed. I waited almost 45 days, without one word of response from the collection agency. On XX/XX/XXXX, I sent another certified letter, which was delivered, as of XX/XX/XXXX. Yesterday, I received a letter from NCB Management Services that I did not provide sufficient information, for their investigation. If memory serves me correctly, I requested for them to validate the debt that they claim is mine. I was asking them for information, which they did not provide. I sent copies of the original letter and the certified receipt, which they did not speak to or address. How can they get away with not doing their jobs? This place is putting stuff on my report that they ca n't even prove is mine. It 's not fair. I 'm trying to follow the proper channels, but this is frustrating.
02/16/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	OH 44313	Web
The attached letter was sent to NCB over a month ago with no response. Notice to Principal is Notice to Agent and Notice to Agent is Notice to XXXX NCB XXXX XXXX Acct # XXXX Notice to Dispute Debt I dispute any debt your company claim to have on me. You must stop all collection activities. Do not call my telephone number ( XXXX ) XXXX. If you were ever given permission to call this telephone number ( XXXX ) XXXX I am revoking that now. My demands are : For you to provide me the audit trail This is what I need included in the audit trail : Account File Ledger All Accounting documents The transaction history Please be sure to provide everything demanded in this letter. IF you are unable to provide the demanded information you must delete this account IMMEDIATELY. If you fail to communicate to the consumer reporting Agencies that this debt is in DISPUTE, that would be a violation Pursuant 15usc 1692e8-False or misleading Representation. The law is very clear as to the civil liability and the remedy available to me, according to 15usc 1692k. Furthermore, failure to honor this requested DEMAND will lead me to fully intend to pursue litigation in this matter suing your company for actual damages sustained. Please be aware that freezing this account is not an update to my credit report. Thanks for giving this letter your prompt attention.
09/04/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	SC 29485	Web
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I told the XXXX, XXXX, and XXXX to reinvestigate these accounts : Account name : NCB management service # XXXX, However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Also they aren't even in compliance with XXXX XXXX credit reporting. I have evidence to prove my case
03/28/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	AL 35007	Web	Older American
I received two calls from NCB Management Services on XX/XX/2020. One call left a message on an answering machine that is available to others that the message is from a debt collector. The caller did not leave a name. I received another message on the answering machine on XX/XX/2020 also stating that it was from a debt collector. The name was not clear but my best guess is XXXX XXXX. These calls came from local area code of XXXX using various numbers. The return call number was XXXX, ext XXXX located in XXXX, PA. The caller said it was in reference to an account at XXXX XXXX XXXX. I have never had an account at this bank and have never even heard of this bank. I do not have ANY accounts that are even past due and have never missed a payment on any account. I called this number and received an answering machine. I very firmly told these people that this account was not mine and also informed them that they were not to call my number again. On XX/XX/XXXX, I received another call for this same company. I answered and told the caller not to ever call this number again. These calls make me furious. I am receiving calls from other companies so obviously someone with a similar name has a credit issue. I do not know where these people are getting my phone number. Apparently they are calling anyone with a similar name. I want these calls to stop!!!!!
05/13/2019	Yes	Debt collection Other debt	Threatened to contact someone or share information improperly Contacted your employer	IN 46619	Web
I placed a call to NCB Management Services Incorporated on XX/XX/2019 and left a message with specific instructions to contact me on my cell phone. The cell phone number was given twice during the call. Despite the fact that I had left specific instructions regarding my callback number, NCB contacted my employer because the company representative said he " called the number that was on caller ID. '' Since specific instructions were left in my voicemail message, NCB had no right to call a number that appeared on caller ID. They had no way of knowing whose telephone number that was especially since the voicemail message that was left specifically designated the telephone number NCB was to contact regarding this debt. NCB has been particularly difficult to deal with. When I contacted them regarding specific language for reporting the debt as " paid as agreed per settlement, '' they became abrasive and stated that they were not responsible for reporting to the credit reporting agencies and that the language that appeared on credit reports was the responsibility of the original creditor. NCB is collecting a debt on behalf of a creditor, or perhaps even bought this debt, to say that they have no control over what is being reported is a falsehood. NCB has also failed to accurately account for all sums paid to them through settlement negotiations.
11/12/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	FL 32607	Web
I am writing this letter in because I checked my credit reports for accuracy as I am in the process of being pre-qualified for my very first mortgage through the First Time Homeowners Buyers program, and I saw a debt reported by NCB MANAGEMENT SERVICE for XXXX XXXX XXXX XXXX in the amount of {$2900.00}. Since I do not believe I owe this debt, I am requesting that you comply with Section 809 of the Fair Debt Collection Practices Act and send me the following information : ( 1 ) The name of the original creditor ; ( 2 ) What goods or services were purchased with the money you claim I owe ; ( 3 ) All documentation proving that I owe this debt ; and ( 4 ) A copy of your license to practice debt collection in my state. I am also requesting that you send a copy of this letter to the original creditor notifying them that I dispute this debt so that they can not report it as delinquent on my credit report. Likewise, if you have reported this debt to any credit bureau, I request that you also report to them that I dispute owing the debt. Please notify me when you have done so. If you need to contact me in the future, I insist that you do so by mail. I am not allowed to receive personal telephone calls at my place of employment. I also prefer that you not phone me at home regarding this debt. All future contact should be by mail. Thank you.
04/13/2019	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	OH 433XX	Web
To Whom It May Concern, The reason for my dispute is XXXX XXXX XXXX, NCB MANAGENT SERVICES INC was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623, subsection ( 7 ) ( A ). However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, XXXX XXXX XXXX failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, Under 809. Validations of date and Mini-Mirandi under Section807 ( 1 ) XXXX XXXX XXXX failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation XXXX XXXX XXXX is held liable as well for defamation and in the state of OHIO indebtedness with those of other creditors against an individual debtor or codebtors. FDCPA I fail to see where XXXX XXXX XXXX is in compliance with OHIO LAW. I also have report this account to the FTC, and XXXX Police Dept.I need this collection account to be removed from my credit report. XXXX XXXX XXXX has not even tried to contact me regarding this Fraudulent collection account. Please have them remove this collection account immediately.
03/03/2021	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt is not yours	MN 55901	Web
NCB Management Services is reporting a debt collection account against me that they fail to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. NCB Management wont sent any documents, bearing my signature, showing that I have a legally binding contractual agreement/obligation to pay them for the alleged amount. XXXX and XXXX have already removed this account from my credit for Violations against the Fair Credit Reporting Act. NCB Management also didnt furnish the credit bureaus with the required disclosure, within the period required by law. They are required by law to place a notice of dispute on my account within 30 days of my dispute, which you signed for XX/XX/2021. I have retained a copy of their signature and date of receipt, as well as time stamps of my credit reports showing that you violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and/or the Fair Debt Collection Practices Act 807 ( 8 ) by not placing the disclosure within the required 30 day period. Im requesting NCB Management delete this account off of my credit reports for good for violations against the Fair Debt Collection Practices Act.
01/11/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	GA 30342	Web
Fraud has been committed on my XXXX XXXX which violates the FCRA and FDCPA. NCB MANAGEMENT SERVICES , INC. is using extortion means to collect an alleged that I do not owe that resulted from extension of credit which violates Title 18 United States code 892-894 and constitutes racketeering activities and extortion. This is a notice sent per the Fair Debt Collection Practices Act the ( F.D.C.P.A. ) 15 U.S.C. 1692 ( G ) section 809 ( B ). This notice states that your claim is disputed and the validation of the account is required purchase agreement Evidence that you are a licenseded debt collector Chain of Title Proof your are license to collect a United states debt and enjoy it *A requested copy of your State Department of Commerce and Insurance Certificate . THIS IS A REQUEST FOR A COUNTY REQUEST REGARDING THE LIST OF COLLATERAL OR STATEMENT OF ACCOUNT IN REFERENCE TO U.C.C $ 9-210 This authenticated record must include all tax filings ( including all 1099s 1096s and 1098s ) any and all trades or investment and/or interest is associated with this account of which I am alleged to be a party. I have a right to this information as it's directly associated with the reporting activities. please settle the account immediately and cease all XXXX activities and have the tradeline line deleted from my XXXX Report. Also see attached letter
05/22/2020	Yes	Debt collection Auto debt	Communication tactics You told them to stop contacting you, but they keep trying	LA 70815	Web
I am getting calls every morning between XXXX and XXXX CST while I am at work. I am not supposed to use my personal phone on the clock and can not have personal calls on the work phone at all. I have told NCB Management, who has my XXXX XXXX XXXX repossession debt, that I am at work from XXXX to XXXX Monday through Friday and that I am not supposed to take personal phone calls at work several times. I have been doing my best to work with them anyway on paying {$50.00} per month. Now I'm being charged {$50.00} a week, which is every paycheck. I don't remember asking for that specifically. They say it's because they are trying to keep my credit from being damaged or I would have to pay {$200.00} per month other wise to keep my credit secure. The repossession of my vehicle was back in 2017. NCB Management is getting on my nerves now that XXXX XXXX XXXX passed my debt to them. I have had enough! Furthermore, when they call, they immediately ask for my name, and I am not identifying myself until I know who and what company is calling and for what reason. I get lots of scam and spam calls doing the same, and NCB never calls from the same number. I want to fix this and my credit, but I can't when NCB does all this and tries to control my finances to their benefit even when it hurts me. Pretty sure all that is illegal from what I have read.
06/30/2023	Yes	Debt collection Payday loan debt	Communication tactics You told them to stop contacting you, but they keep trying	TX 78251	Web	Servicemember
Account # XXXX Original account Holder : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX : XXXX XXXX Manager XXXX XXXX XXXX XXXX XXXX OH XXXX This account originated from XXXX XXXX XXXX XXXX XXXX XXXX XXXX. It was an Online loan. It was sold off to NCB XXXX. On XXXX, XXXX, XXXX is claiming I received notice in the mail notifying me that they are the creditor now of this account. However I received no letter in the mail. The only way I found out about this account was when It was reported on my credit in my collections and I found the phone number in my credit report. NCB is also claiming that on XX/XX/XXXX that an unidentified party called in. No one from my phone number called in until, I tryed to call in on XX/XX/XXXX to discuss the matter. I made an offer of {$1000.00}. However the call disconnected. I tryed calling back but could not get through. I receive numerous calls late in the evening after XXXX central time. XXXX on XXXX, XXXX, XXXX XXXX and another on XX/XX/XXXX XXXX. I requested that the party stop calling me. NCB has reported on my credit reoprts however they have not kept the original delinquent date from the original creditor. NCB bought the account XX/XX/XXXX and began reporting on it then. This account and Claims from NCB does not contain the same delinquency date as from the original creditor XXXX XXXX XXXX XXXX XXXX
07/24/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	SC 29681	Web
NCB Management Sevices company is practicing illegal collection activity and also inaccurate credit reporting. Back in XXXX of XXXX I contacted this company after I noticed they put a collection account on my credit after I filed chap XXXX Bankruptcy and discharged as of XX/XX/XXXX. I contacted them and filed a XXXX report. I rec 'd a letter from the Chief Compliance Officer by the name of XXXX XXXX, and it states verbatim that they ( NCB management ) will remove all things that are reporting on my credit for all 3 bureaus effective immediately. They did state that it could take up to 60 days. I look in XXXX of XXXX and everything was removed. Well last week around XX/XX/XXXX, I looked on my credit because I go an alert and yes, the item they removed in error was back on my credit. When I called them yesterday XX/XX/XXXX, they acted as if they had no clue what I was talking about. I req 'd to speak to a manager. His name was XXXX and he said it was put on my credit again XX/XX/XXXX. I told him that was the same date of the letter sent by XXXX and they are practicing illegal collection and reporting practices and I'm going to report them again. So here we are and I need to know why this collection company is still in business and making false claims against my credit with no regard. I would like this addressed immediately.
05/12/2023	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was result of identity theft	IL 60637	Web
After receiving the letter of validation from XXXX XXXX XXXX. I've noticed that there are forgery and false information on this bill of sell. as for one that signature is not mine, as Ive stated in my affidavit my brother forged my signature but you overlooked that. Ive also sent in a letter from my brother with his ID attached apologizing to me that he has done me wrong, for which I've forgiving him for. and also on the letter of validation you had one address, then you stretched it out and put another address. that's forgery. Ive never staded at neither of these addresses my brother did, I never let know one know where I stay this is why he had to use his address because he did not know where I live. on the address you have XXXX XXXX XXXX I never stayed there but my brother did, you got XXXX or XXXX XXXX XXXX, I've never stayed there but my brother did, you see all of this is leading back to my brother, this is why he is in prison now for theft and breaking and entering. therefore ive submitted documents to you numerous times, but you falil to see things in a different prospective. all I ask is for you to clear my name and go after the person who owe you money and that is my stepdaughter XXXX XXXX and not XXXX XXXX I would never co sign for anyone not even my mother, so why would I co sign for anyone else.
05/16/2023	Yes	Debt collection Payday loan debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	AZ XXXXX	Web
By Law this account was written off as income with a 1099c. You NCB Management has purchased this debt which mean you are trying to collect on a debt that was considered as income. This alleged debt you claim I owe should not be sold to a third party company than NCB MANAGEMENT gave information to another third party company XXXX, XXXX AND XXXX and refused to send me the wet ink signature that gave them authority to place this account on my consumer file. As the law states permissible purposes and I havent written you and ask you to furnish negative information on my consumer report. This is my attempt to settle this matter with good faith and clean hands. I conditionally accept this upon proof that you were allowed to furnish this information to my consumer report as well as furnish this information knowing that this debt was written off as cancellation of debt. You have caused damage to my report and I am denied good faith and credit due to the derogatory mark. If this matter isnt handle I will have to file a 3949-a to the IRS for investigation to accounting. As well as a 211 form with the IRS to investigate.. I am a natural living woman, you have trespass against my person and refuse to the codes and statues YOU NCB MANAGEMENT must uphold. This IS NOT DEBT IT IS CONSIDERED INCOME when a 1099c is filed.
02/21/2019	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was paid	TX 75126	Web
HI ON OR ABOUT XXXX OF XXXX I FINANCED A VEHICLE WITH XXXX AUTO FINANCE AND HAVE A 7 YEARS OLD COPY OF SEVERAL CREDIT REPORTS SHOWING THE PAYMENTS AND STATUS OF THE ACCOUNT BEING CURRENT AND WAS SOLD TO XXXX AUTO FINANCE AROUND XXXX OF XXXX. AT THE TIME THE LOAN WAS SOLD / TRANSFERRED THE DEBT WAS IN GOOD STANDINGS. SEVERAL YEARS LATER APPROXIMATELY XX/XX/XXXX FIVE YEARS INTO THE LOAN I SURRENDERED THE VEHICLE BECAUSE XXXX SAID THAT I OWED XXXX ON A VEHICLE ACCORDING TO THE LOAN SCHEDULE OF PAYMENTS WAS ONLY FOR 6 YEARS@XXXX A MONTH WHICH WOULD ONLY LEAVE A BALANCE OF A YEAR. I REACHED OUT TO THEM MANY OF TIMES AND NO ONE COULD EXPLAIN THIS ISSUE. IN THE INTERIM AFTER 3 YEARS OF THE SURRENDER, NCB MANAGEMENT SERVICES REPORTED ON MY CREDIT FILE A NEW ACCOUNT ON XXXX SHOWING THAT I HAD A REPO WITH THEM, MY CREDIT SCORE DROPPED TREMENDOUSLY I DISPUTED THIS WITH ALL CREDIT REPORTING AGENCY 'S AND NCB AS " RE-AGING ''. AFTER SEVERAL YEARS OF DISPUTING NCB UPDATED THE ACCOUNT SHOWING IT AS A REPO WITH XXXX XXXX. NOW ON MY CREDIT FILE IT SHOWS 2 DIFFERENT REPO 'S AND THIS IS INACCURATE. I HAVE CALLED AND SENT LETTERS TO THE CREDIT REPORTING AGENCY 'S EXPLAINING THIS ISSUE AS WELL AS SUPPLIED SUPPORTING DOCUMENTS AND THEY WILL NOT HELP AND NCB MANAGEMENT SERVICES WILL NOT CORRECT MY CREDIT FILE.
07/31/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	NV 89131	Web	Older American
I made a settlement offer to pay 50 %, on XX/XX/XXXX, of a cash loan that I received from the original owner XXXX XXXX XXXX XXXX, to receive a {$0.00}, balance with the collection company NCB Management. Services, Inc. On today, I spoke with a supervisor XXXX XXXX, at NCB Management regarding my XXXX credit report that has large C 's for each month starting with XXXX, XXXX. NCB did Not have my case file at this time because my account was not in Collection 's at that time. I asked Mr XXXX to please remove this error from my report of anything prior to the date he obtained my file, which he said it was XXXX, XXXX. I am also not certain if this is correct or not. He asked me to send him proof, I did so immediately. Afterwards, he had a letter emailed to me with my payoff amount. The lady, XXXX from this company wrote on the letter that I could not contact Mr. XXXX via email, but he just had me to send the proof via email of the Collections starting back before they acquired my file, and nothing could be done about the prior collection notes. This is not fair at all, I am positive that this company can do so but refuse to do so. With the pandemic everywhere and millions of jobs gone, we don't need this aggregation with our credit reports, as we are doing the best that we can do.
06/18/2018	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt is not yours	FL 32566	Web
On XX/XX/XXXX, I contacted NCB Management Service to get my account number. I wanted to send them a letter of validation. I noticed on my XXXX credit report that a had a negative entry from NCB Management Service dated on XX/XX/XXXX. I never had an account with NCB. The customer rep stated on the phone that they no longer have my account and it has been sold to XXXX XXXX. I asked them to please remove the unauthorize entry. The rep stated that nobody there had the power to remove it out and rudely hung up the phone. I would like to ask NCB to validate this account or delete it immediately. Please have NCB to provide : 1. Proof that you either own or were assigned the debt from the creditor. 2. Proof that you have the right to collect this debt in my state. 3. Proof that your company carries a bond. 4. Proof that the Statute of Limitations has not expired. 5. Complete payment history on this account along with an accounting of all additional charges being assessed. 6. Copy of the original contract bearing my signature. 7. Your license numbers and Registered Agent 8. Name and address from the original creditor. Please do not send a computer printout itemizing your outstanding debt, as this is not sufficient proof according to the Fair Trade Commission opinion letters.
05/07/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NV 89107	Web
NCB Management Service has yet to validate debt and how i the consumer is obligated to pay this debt. Notice to all, I, am the consumer in fact, natural person, original creditor, lender, executor, administrator, holder in due course for any and all derivatives thereof for the surname/given name XXXX, XXXX, and I have been appointed and accept being the executor both public and private for matters proceeding, and I hereby claim that I will d/b/a XXXX XXXX, i would be happy to settle any financial obligation I might lawfully owe as soon as I have received the following documentation from you : The following documents are needed to move forward in these matters XXXX. Validation of the debt ( An audit trail of account in accordance with XXXX ) ; XXXX. Verification of your claim against me ( a sworn affidavit or a hand signed invoice in accordance with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; Uniform Commerical Codes, Federal Fair Credit Reporting Act, and XXXX State Statues for Lawful Purposes. All tax bond receipts XXXX XXXX, XXXX, XXXX The authorization from the XXXX XXXX XXXX to go forward with the above mentioned account number [ 26 U.S.C. 2032A ( e ) 11 ] Employee Affidavit [ Title 5 U.S.C. 3333 ] Registration [ Title 22 U.S.C. 611 and 612 ]
12/05/2020	Yes	Debt collection Auto debt	Written notification about debt Didn't receive enough information to verify debt	GA 30506	Web
On XX/XX/20 I sent NCB management a letter, asking them to validate the date, which they are required to do, when asked, as part of the provisions of the Fair Debt Collection Practices Act, which they failed to do. I sent them a 2nd letter on XX/XX/20 that since they failed to validate the debt, that they were required by the FACT act Section 312, to remove the collection account from all 3 of the credit reporting agencies, which they failed to do. I sent them a 3rd letter on XX/XX/20 reminding them that they have yet to validate the debt, or remove it from my reports, and that if they didn't, then I would be taking legal action. With all 3 letters they gave the same response of, " they received my dispute, and after conducting an investigation, they were unable to substantiate the allegations of my dispute ''. I'm attaching all 3 letters that I sent, as well as the last copy of the letter they sent ( all 3 letters they sent, said the same thing ). The debt in question is a collection account, with the original creditor being XXXX XXXX, for a charged off auto loan, in the amount of {$10000.00}. XXXX XXXX is in the middle of a class action lawsuit for thier business practices, and NCB is supposed to no longer be allowed to collect on the account.
11/19/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	MD 21117	Web
I submitted a request to NMCB Management and the three major credit bureaus on the following dates requesting information regarding an account on my credit report : XX/XX/XXXX ... I sent my initial letter to the credit bureaus XX/XX/XXXX ... I sent follow up letter to the credit bureaus XX/XX/XXXX ... I received a letter from NMCB Management saying their investigation was complete and they were unable to substantiate the allegations in my dispute. XX/XX/XXXX ... I sent a letter directly to collection agency asking for validation of the debt. XX/XX/XXXX ... I received a letter from NMCB Management saying their investigation was complete and they were unable to substantiate the allegations in my dispute. XX/XX/XXXX ... I sent a certified letter to the credit bureaus to verify the debt since I am not aware of this account. XX/XX/XXXX ... I sent another dispute the credit bureaus due to no follow up. XX/XX/XXXX .... I sent a letter right the credit bureaus to provide the method of verification for this debt. XXXX ... I sent another letter to the credit bureaus advising them that I was filing a complaint due to the collection agency and credit bureaus inability to provide sufficient information to confirm that this debt reported is indeed mine.
09/26/2020	Yes	Debt collection Auto debt	Communication tactics You told them to stop contacting you, but they keep trying	NY 125XX	Web
Collection Company Name NCB Management Service XXXX. XXXX XXXX XXXX, PA, XXXX. Account : XXXX NCB file : XXXX contact XXXX NCB is collecting a debt from XXXX XXXX for balance of XXXX. XXXX XXXX claim to still owe this account. Yet hid my information to be part of the lawsuit. I was going to fie bankruptcy. But out it on hold due to the fact of lawsuit against XXXX XXXX XXXX. They falsey claim that the case has been settled which is not when you check the website. I am in the process of mailing a complaint to the P.A. attorney General about this company. They are very rude and stated I have to paid the debt. I had sent a letter to work out the debt but they did not respond. But when I called they play head games on the phone with me concerning XXXX lawsuit. Like they did not want to answer question. Yet this collection company is attacking all 3 credit reports. I ask them not call me demanding over 500 month paid a debt that I can not paid. Which they have contact former employer and old address using third party verification stating I gave them permission contact these people. Which I did not. I ask that you contacted them and XXXX XXXX. To eliminate this stituation. These two companies are not friendly at all. Sincerely, XXXX XXXX XXXX
06/10/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	MD 21229	Web
Credit reports from XXXX, and XXXX show a car repossession listed as an account that originated with XXXX and has a {$0.00} balance due. The original lender was XXXX and the account was sold to XXXX. XXXX XXXX This report and collection information is inaccurate and incomplete because : The amount stated in the collection is incorrect, and the balance is inaccurate. The lender sold the Vehicle at auction, the Vehicle had Gap insurance, therefore XXXX was paid for the difference between the sold price and the remaining due at the time of voluntary surrender. XXXX did not report the amount it sold for, and never disclosed the amount to me, they were paid by the GAP insurance company the difference between the selling price and the balance on the account. The original account has been adjusted to a {$0.00} balance. However, XXXX sold that account to NCB management services for the amount of {$11000.00} While XXXX found the error after I reported the issue in 2022, and removed the account from their credit report, NCB management services are continuing efforts to collect on a debt that has been paid in full and reporting the delinquency to XXXX, and XXXX XXXX reporting agencies. This violation of FCRA laws has impacted my credit score for years.
08/04/2020	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	FL 33060	Web
this Debt was a loan entered online in XX/XX/2019 from XXXX by XXXX XXXX. I agreed to payments of XXXX per month however the payments kept changing. I ended up in the hospital XX/XX/2019 and was late on this payment. When I went to make this payment they refused it and then set up new payment arrangements. I was to pay on or before the due date Which would be the XXXX because this is when I received my XXXX check.. The due date for XX/XX/XXXX was a Saturday and they closed early and did not accept the payment on line. I called on Monday morning XX/XX/XXXX they refused the payment said we are sending you to collections and this will be on your credit, I asked for a supervisor they stated there were none. I emailed request for a supervisor to call. I got no response I tried for weeks and got no where. I received an email on XX/XX/XXXX they had sold the account to a collection agency. who will not wok out payment arrangements but they are further damaging my credit by reporting every month i am late on payments. They will not correct this even after I have disputed it directly with all credit agencies.this collectors name is NCB management. I have also contacted the company asking for all documents relating to this account they have refused.
03/25/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30052	Web
While reviewing my credit report I've noticed several accounts did not belong to me, Ive tried disputing, also sent in a police report stating these accounts were fraudulent, Ive reached out to the companies to no avail. My identity was stolen and used in a malicious manner. On XXXX XXXX XXXX stated I owed them {$720.00}, Ive contacted the company several times with no resolutionXXXX XXXX was placed on my credit report stated I owed them {$300.00} XXXX contacted this company no resolution made. On XXXX XXXX XXXX XXXX stated I had an balance from a car I never purchased in the amount of {$47000.00} I contacted the company and it was taken off one of my credit reports but not all three.On XXXX. On XXXX XXXX XXXX stated I owed them {$140.00} for account that I never opened I did contact the branch but no response.On XXXX XXXX XXXX stated I had an account with them in the amount of {$1100.00} which was also fraudulent tried to contact company and no one has returned my call to discuss this matter. XX/XX/XXXX NCB which is affiliated with XXXX XXXX also placed an account on my credit which I contacted this company and sent my police report just all the other companies and they have yet to remove the account from all three of my credit reports.
11/15/2015	Yes	Debt collection Auto	Disclosure verification of debt Not given enough info to verify debt	NC 27513	Web	Older American
NCB Management Services Incorporated is currently collecting a debt for XXXX different original creditors. XXXX acquired the loan ( via assignment ) on XXXX/XXXX/XXXX ( see attached ) and XXXX XXXX acquired the loan ( via assignment ) on XXXX/XXXX/XXXX ( see attached ). The original creditor was XXXX XXXX Bank who acquired the loan on XXXX/XXXX/XXXX when I purchased a XXXX XXXX at XXXX XXXX XXXX in XXXX, North Carolina XXXX see attached ). Neither XXXX XXXX XXXX nor XXXX XXXX is the original creditor as claimed by NCB Management ( see attached ). On XXXX/XXXX/XXXX, I asked NCB Management Services , Inc., for full and complete verification and validation of the collection account pursuant to Section 809 of 15 U.S.C. XX/XX/XXXX ( g ) of the Fair Debt Collection Practices Act. On XXXX/XXXX/XXXX, NCB Management Services XXXX Inc., claimed that XXXX XXXX XXXX was the original creditor for which it was collecting ( see attached ). On XXXX/XXXX/XXXX, after asking for validation of the debt, NCB Management Services XXXX Inc., provided me documentation which did not mention XXXX XXXX XXXX as the original creditor ( see attached ). Instead, XXXX XXXX was mentioned as the original creditor. This information is ambiguous, misleading, and false.
08/24/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	IL 60426	Web
I reached out to all the credit card companies on my credit report as well as ncb management services requesting a validation letter of contract. These companies were not obtained by me. These companies refuse to work with me. I have been XXXX from work since XXXX of XXXX. I was never in financial position to take on any credit cards. NCB management services want XXXX the account was open XXXX. That is not a company i worked with.XXXX XXXX XXXX XXXX is not a company i work with they instead wrote of the debt imstead of removing the fraudulent account. XXXX XXXX XXXX wrote off majority of the fraudulent account now XXXX dollars owed instead of allowing me to do a fraudulent packet.XXXX XXXX XXXX has a fraudulent balance of XXXX this account is not mines. XXXX XXXX is a fraudulent account with a balance of XXXX. Last but not least XXXX XXXX opened a fraudulent account with balance of {$360.00}. I have requested documentation of validation constantly from these companies they refuse to send the paperwork. I have tried to handle this with each company they refuse to respond to any legal documentation i sent them. None of these companies have a contract with my physical signature confirming that I accept responsibility of the debt.
05/31/2020	Yes	Debt collection Other debt	False statements or representation Impersonated attorney, law enforcement, or government official	FL 34983	Web
On XX/XX/2020 I was inundated with threatening calls and USPS collection notices for a debt that had been charged off by XXXX XXXX was now under a collection of NCB Management from XXXX, PA. They put it on my credit report, not as XXXX XXXX but as a collection agent which is not authorized to collect anything in the State of Florida or for that matter, anywhere but in Pennsylvania. Having them do this to me I subsequently lost my employment because of this item, when I do not have any other negative marks on my credit. I notified them as pursuant to fair credit reporting act a listing of items that I wanted proof of and also informed them that they have to remove it from my credit report until legally resolved. This is pure harassment resulting in the loss of income, loss of a job, loss of dignity and I find out that what they are doing is against the law AND HARASSMENT OF A SENIOR CITIZEN which is against Federal Law. It is a violation of the Fair Credit Reporting Act It is a violation of The Fair Debt Collection Practices Act Defamation of Character Loss of Employment due to this specific negative item in credit report. They have not answered the legal complaint and as such their practices should be null and void.
12/07/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 33611	Web
On XX/XX/22 I called the company and talked to someone and explained that I did not know what the account on my credit was and that it must not have been mine. They said that they would send proof to me via email in the next day. On XX/XX/22, I called again because I had not received proof. They then told me that it was actually coming in the mail. They also told me that there would likely not be any real proof because it was an online loan and that essentially anyone who had my social security number, name, and address could open a loan in my name. I got the documents in the mail about XXXX weeks later and there was no signature or anything other than basic information included in the documents. They told me in our phone conversation that the information provided was the only information needed to prove that I was the one who opened the account. The account was paid at some point, but I have never paid the account, nor have I ever heard of either company associated with the account. I also asked them why the account still shows as an open collection on my credit if someone paid it and they said that it was just the way they did things. The account has shown a XXXX balance for at least a year but they refuse to close it.
03/25/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TX 77535	Web
XX/XX/XXXX date of first complaint CFPB XXXX I originally tried to get XXXX to remove this wrong information. See file number above. XXXX, said they were no longer reporting the information. The first collection agency sent the account to another collection agency. Now it is XXXX and legally past the statute of limitations. XXXX and the new Collection are reporting wrong information like the date of the last pmt was XX/XX/XXXX when the account was closed in XXXX. These should be removed. XXXX tried to tell me it was a different account but either way. it is past the statute of limitations and they are trying to re age the date on the collections. can you please help. I have attached the complaint and other files. I am not sure if the complaint is referring to the account below but i have attached it. Also it is irrelevant as the account is just invalid as it is past 7 years and they both are reporting wrong information. The last payment made on this account was XX/XX/XXXX. Date of first delinquency is reporting XX/XX/XXXX and date of last pmt is reporting XX/XX/XXXX. I never made another payment since XX/XX/XXXX. XXXX XXXX XXXX XXXX Collection agency NCB MANAGMENT SERVICES XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX
03/19/2023	Yes	Debt collection Auto debt	False statements or representation Attempted to collect wrong amount	TX 76018	Web
The XXXX XXXX XXXX was returned back to XXXX due to covid in XXXX of XXXX Also, this account has been closed since XX/XX/XXXX. However, they still failed to report the true balance. They reported the full balance of the car when it was on the showroom floor back in XX/XX/XXXX for {$20000.00}, which is also when the account was opened in XXXX the state of Illinois. XXXX XXXX XXXX sold the XXXX XXXX on XX/XX/XXXX, at an auction and received the amount of {$8000.00} or more. XXXX has failed to report the selling of the vehicle and also failed to report it to the credit agency purposely misleading others regarding this matter. This is a bad act of practice on XXXX XXXX XXXX I do not owe this amount therefore it should be deleted forever, This account has been deleted from my credit report several times and added back by the company. This account is right at 7 years and has been displaying the wrong information for quite some time. Now they are threatening to sell or has already sold this bogus account to NCB Management Services that displays I opened it on XX/XX/XXXX and owe them {$20000.00} now this isn't me either never purchased a XXXX XXXX XXXX on XX/XX/XXXX NCB is also included in this complaint as well. Thank you
04/20/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	DE 19802	Web
PURSUANT 15 USC 3002 I AM A NATURAL PERSON MEANING MY ALL CAPS NAME ISNT ME BUT IS MY PROPERTY. MY NAME IS XXXX. Notice it is a fact that my federally protected rights have been violated. THE COMPANY, NCB MANAGMENT SERVICES, PURCHASED AN ALLEGED DEBT FORM SOME OTHER COMPANY. I HAD NO INVOLVEMENT WITH THIS TRANSACTION. Whereas I believe them to be a debt buyer, NCB MANAGMENT SERVICES, must operate under the FDCPA. I am requesting all DOCUMENTARY EVIDENCE including all ledgers, books of accounts, that pertains to account. Failure to provide such documentary evidence is a clear violation of 12 cfr 1026.13 ( a ) ( 6 ) as I am invoking my right to obtain it in accordance with 15 usc 44. I, the affiant am legally refusing to pay this debt. I am demanding a cease and desist of all illegal activity, any communication and collection activity, including reporting which constitutes collection activity, of this and any alleged debts until you can provide me with the requested information in the complaint herein. Notice it is a fact that I also have never given written or oral consent for this account to be furnished on my consumer report, whereas that is a violation of 15 usc 1681 ( a ) ( 4 ) because I have a right to privacy.
01/02/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	TX 75044	Web
NCB management services has already been reported more than once, I continue to receive fraudulent calls from this company at my place of business. They are calling me multiple times a day on my business line. I never gave this company my employment phone line. Which I use strictly for business purposes. Not only are they harassing me at my job, but they are impeding my work. I use my work for to make outbound calls to make a living. This company has resorted to calling the receptionist harassing them, calling my extension. Calling my parents, this is all hours of the day. The company had already been advised I never opened any accounts with this company. This was a result of identity theft. I didnt authorize any accounts through them. They already have been sent an identity theft affidavit. They chose to ignore all my law enforcement documentation. Instead attempted to state they sent me documentation that once again never got sent. This account is identity theft. The account they are claiming received the money was also closed due to identity theft. Clearly this is fraud, the harassment on my business line prevents me from completing my job. They are not authorized to contact me or my employer any further.
08/17/2023	Yes	Debt collection Auto debt	False statements or representation Attempted to collect wrong amount	TX 75062	Web
Previously, submitted a complaint through CFPB reference # XXXX. Results came back with creditor stating that account has been verified and validation documents have been sent to XXXX XXXX XXXX XXXX XXXX XXXX IA XXXX. This address is inaccurate. Address is not mine! stating that a dispute letter had been received on XX/XX/XXXX, saying that " I believed that my vehicle had been stolen by XXXX XXXX ''. This is false because my letter clearly said " this vehicle had been stolen from me and XXXX XXXX was aware of it " I had personally called and made XXXX aware that vehicle had been stolen by XXXX XXXX I just had no clue where vehicle was at this point. But, I new that vehicle was been tracked by XXXX so it wouldn't be difficult to find it. Therefore, I have not received any validation documents nor the notice to sell the vehicle, deficiency notice, a financial transaction history of the account and a copy of the bill of sale agreement between XXXX and NCB. Accurate address was provided to NCB when dispute had been done XX/XX/XXXX. Account continues to report inaccurate stating open account status by XXXX while XXXX report Closed and 120 days late by XXXX, account status and date open also report inaccurate.
10/26/2020	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	TX 75052	Web
I disputed an alleged debit with NCB Management Services to all three credit bureaus ( XXXX, XXXX and XXXX ) on XX/XX/2020. All three credit bureaus verified the alleged debt as accurate. I requested that the credit bureaus validate the alleged debt on XX/XX/2020 but was advised I would need to contact the creditor/collection agency directly for additional information. On XX/XX/2020 I mailed a certified letter to the collection company requesting the validate the the debt ( per the FDCPA ) by providing the following information : -an explanation of what this alleged account balance is for -a calculation of this balance including the complete payment history on this account -documentation that shows I agreed to pay this debt -the agreement that grants them authority to collect on this alleged debt -a copy of their state license including the license number On XX/XX/2020 I received a letter from the collection company simply stating the conducted an investigation and are unable to substantiate the allegations of my dispute. They requested I provide them with additional information. They completely ignored my letter requesting they validate the debt. Therefore, they are in violating of FDCPA Section 809 ( b ).
05/11/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	AR 72076	Web
It has been nearly three months since I first reached out to XXXX, XXXX, and XXXX about fraudulent activity pertaining to credit file. I have sent XXXX, XXXX, and XXXX several pieces of supporting documentation to validate my claim. I still have the same fraudulent addresses reporting on XXXX, XXXX, and XXXX after I specifically sent a notarized request asking them to be removed. Several inquiries still remain on my XXXX, XXXX, and XXXX report. I submitted an report from the Federal Trade Commission which included all of the accounts in question. XXXX recently sent me a response requesting that I send in a copy of my drivers license, social security card, etc for identity purpose. I was sure to include all of those documents with my initial dispute and after speaking with a representative I was informed those documents had been received which makes this letter or automated response inaccurate. My rights under the Fair Credit Reporting Act have and continue to be violated and the bureaus must be held accountable per section 605, 609, and 611. Accounts XXXX XXXX XXXX XXXX, XXXX XXXX, and NCB Management were never established or opened by me and are the direct result of identity fraud and or theft.
09/09/2023	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	SC 29349	Web	Servicemember
In XXXX while living in XXXX md, I signed up for XXXX XXXX, with an 18 month contract. Within the contract they were supposed to provide internet that could support streaming and cable for XXXX a month. Long story short they could not provide speeds that supported their own on-demand features and the account was downgraded to cable only for XXXX. XX/XX/XXXX I took a new job and moved to XXXX. Paying my final bill and closing the account. Keyword ... XXXX. The debt this CA is trying to claim on my credit report is one, inaccurate as the debt was paid and the account closed. More importantly, they are falsifying the dates for XXXX so they can impact my credit for the 7yrs its allowed and try to scam and extract money from consumers not owed. This company needs to be investigated for their attempts at collecting on a debt not owed, falsifying amounts and most importantly intentionally listing inaccurate dates to drive up their probability of payment on a collection. It is their responsibility to list the CORRECT and true information of a debt. I don't know how long this has been going on but I find it completely unethical for a CA to use such dishonest tactics to scam consumers and attempt to extort them.
05/03/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	GA 303XX	Web
Around XX/XX/2019 I've submitted my dispute letters to XXXX, XXXX XXXX, and XXXX, but also the collection agency NCB Management Services Incorporated.. XX/XX/2019 I received a letter of correspondence from NCB stating that my concerns will be reviewed yet the item is still on my XXXX report and my XXXX report . On my XXXX XXXX report the account has been closed and this occurred XX/XX/2019. None of the companies have provided me with any proof that I have a contractual obligation to pay the collection agency, no contract bearing my hand written signature on it at all. This has ruined my ability to get additional things accomplished due to these companies willful non compliance with the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ). I have the right to request the method of verification under the FCRA, Section 611 ( a ) ( 6 ) and 7. The credit reporting agencies MUST provide me the method of verification information within 15 days of my request, yet this hasn't been done either. Enclosed with my complaint will be all the documentation that I've sent and received so far. Also I'm enclosing a screenshot of my XX/XX/XXXX XX/XX/XXXX credit update as proof that the account has been closed.
08/26/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 78109	Web	Servicemember
On XXXX XXXX I sent out a certified mail letter to NCB Management Services. To validate an debt they claim I owe. the US postal tracking number is : XXXX XXXX XXXX XXXX XXXX. The letter states the following. " Request For Debt Validation Pursuant to 15 USC 1692g Be Advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act ( FCRA ) [ 15 USC 1692g ] stating your claim is disputed and validation is requested. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you. '' Also. If your office fails to respond to this validation request within 30 calendar days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file, and a copy of such deletion request shall be sent to me immediately. Under 15 U.S. Code 1692g - Validation of debts. I have submitted a copy of the Certified letter I sent and a copy of my Identity theft report and a receipt from the US postal service showing delivered.
04/14/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	OH 45231	Web
NCB MANAGEMENT SERVICES # 1953 is violating several FDCP laws. I do not know this company. I have never signed a contract with this company. PC 530.5 states that every person who willfully obtains personal identifying informationof another person, and uses that information for any unlawful purpose, including to obtain, or attempt to obtain, credit, goods, services, real property, or medical information without the consent of that person, is guilty of a public offense. A previous request for them to produce the ORIGINAL CONTRACT of this debt with this company has not been received, yet they continue to violate my rights as a private consumer. They have violated the following 15 U SC 1692e ( 2 ) ( B ) ; False representation of any service rendered or compensation 15 USC 1692c ( b ) ; Communication without prior consent, expressed permission 15 USC 1692d ; Harass and oppressive use of intercourse about an alleged debt. 15 USC 1681 ; Harass and oppressive use of intercourse about an alleged debt. 15 U SC 1692g ( a ) ( 4 ) Certifiable Validation and Verification of alleged debt ( s ) Violated 15 U SC 1692j ( a, b ) ; Furnishing certain deceptive forms. ( are not a party In the alleged debt )
04/04/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	MN 55416	Web
NCB MANAGMENT SERVICES is reporting on my Credit Report that I have a Balance in Collection as of XXXX that has never received any payments. I have never recieved any Collection Letters, debt details or contact from NCB Managment Service nor the original debtor regarding this debt. The date, balance and original creditor are not familiar to me and since I had filed bankruptcy prior to this debt, I am concerned they are attempting to collect a debt that was cleared from my bankruptcy. Since my Spouse has passed away, it is also unclear if this debt is related to him and not directly related to me. In XX/XX/XXXX and again in XXXX, I disputed the information on my Credit Reports with XXXX and XXXX. The outcome is not clear and I have not received any details regarding this debt. On XX/XX/XXXX, I mailed a letter to NCB Management Services requesting the details regarding this open balance they've reported in collection or they remove the negative remards in their entirety. I have recieved no reply. As I am trying to address this collection, I am unable to do so without any knowledge or details of the origin and am unable to dispute it further as NCB Managment has failed to provide any details.
03/03/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	MA 021XX	Web
Hi my name is XXXX XXXX and Im a federally protected consumer, and I am making this complaint against NCB Management Services , Inc for committing identity theft. I have never give NCB Management Service Inc any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am legally refusing to pay this alleged debt pursuant to 15 USC 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until NCB Management Services Inc can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and NCB Management Services Inc continues its collection efforts I will file for litigation for actual damages caused and NCB Management Services Inc will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice you are hereby notified Pursuant UCC 1-202. Your prompt attention and response are both requested and required.
03/09/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	MD 21217	Web
To Whom It May Concern : I'm a recent victim of identity theft and fraud. I recently reviewed an extensive copy of my credit report included dark web alert ( s ) with the intention of trying to improve my credit and take care of my responsibilities and noticed NCB MANAGEMENT SERVICES that I wanted a little more explanation on, and they need to be deleted/removed from my credit report. I also recieved an alert on my experian account that a recent account has been opened with my social security number at XXXX XXXX XXXXXXXX, The claim # is : ( XXXX ) that does not belong to me. Please help. THIS ACCOUNT LISTED BELOW IS NOT MINE. I ALREADY FILED A IDENTITY THEFT REPORT & POLICE REPORT WITH MY LOCAL POLICE DEPARTMENT AND FTC.GOV. IF YOU DO NOT REMOVE I WILL SUE YOU IN COURT FOR DEFAMATION OF CHARACTER. FTC IDENTITY THEFT Report Number : XXXX THE POLICE REPORT # : XXXX I DEMAND THIS ACCOUNTS LISTED BELOW THEY NEED TO BE DELETED/REMOVED OFF MY CREDIT REPORT IMMEDIATELY! .AND STOP REPORTING THIS FRAUD ACCOUNT. COLLECTION ACCOUNT : NCB MANAGEMENT SERVICES Account Number : XXXX delete it from my credit report Thank you for your time and help in this matter. Sincerely, XXXX XXXX XXXX XXXX.
11/01/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	MS XXXXX	Web
NCB MANAGMENT SERVICES has failed to validate that this account is reporting maximum possible accuracy per the FCRA. I have initiated several attempts through the credit bureaus and collection agencies to have this account validated and has not received a response and I have reason to believe that reasonable procedures were not conducted on these accounts due to the current violations I have found as if relates to my credit profile and unverified accounts on my report. How can a disputed be resolved if the customer disagrees, who resolved the disputed account, no reasonable procedure was performed it is a violation to my rights to claim that an account has been resolved if I didnt resolve it and its still reporting inaccurately This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed ( letters attached to show when I disputed account below ) 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. This company has continuously failed to validate this collection account futher violating FDCPA 809b per the FTC opinion
09/11/2016	Yes	Debt collection Auto	False statements or representation Attempted to collect wrong amount	AL 365XX	Web	Older American, Servicemember
XXXX XXXX, my XXXX XXXX XXXX was totaled. XXXX paid XXXX over {$14.00}, XXXX for the car. Well, I assumed the care was paid off and I owed nothing. Back in XXXX XXXX, I started to receive noticies from NCB Management. I really thought it was a scam, until I finaly contacted XXXX. I contacted NCB Management, and proceeded to make monthly payments, which began in XXXX XXXX. NCB Management, after being paid each month, was still reporting my account as not being paid and reported at first as a new account and then change to collection account with the original creditor being XXXX for little of {$6000.00}. But, it strange that the balance was going down on the account. I have statements and emails stating that the account was being paid, but still stating that it was closed and never paid. I recently contacted NCB Management, after they sent the payment for XXXX XXXX back to the bank, they state that the account been closed since XXXX XXXX for non payment. Now I am getting these harassing calls stating that my payment was returned and I need to contact them. But now it is showing on my credit report that XXXX is now reporting the same account as a new account for collections.
01/14/2023	Yes	Debt collection Credit card debt	False statements or representation Impersonated attorney, law enforcement, or government official	IL 604XX	Web
On Monday XXXX XXXX, I received a phone call at XXXX by a XXXX XXXX claiming to be a representative from NCB Management Services XXXX calling from a XXXX area code number claiming that I owe some debts but refusing to tell me what debts. I didnt tell me my name at all and the last XXXX numbers of the phone number were the same as my social security number which was weird.The next day at XXXX, I got another phone call from the same area code by the name of XXXX XXXX claiming tXXXX be a representative from the same company and again I never revealed myself knowing that it was a scam. The next day, I received yet another phone call from the same area code number by the name of XXXX but again I never revealed myself and instead I told them I was the clients power of attorney and they still refused to tell me the nature of the call. I havent been paying any of my credit cards due to not working and I havent got anything from any debt collectors yet. I got scammed twice in XXXX and learned my lessons and did some research of my own to see what to look for as far as scams. The phone numbers that the scammers called me from are : ( XXXX ) XXXX, ( XXXX ) XXXX, and ( XXXX ) XXXX
12/25/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	TN 38128	Web
On XX/XX/2021 I checked my consumer report and noticed that XXXX XXXX was reporting an inaccurate account on my credit profile. Neither XXXX nor XXXX has this account on my credit profile. This is a violation of 15 USC 1681- Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting ( 1 ) The banking system is dependent upon fair and accurate credit reporting. No other consumer reporting agencies have this account listed on my report. This makes this company also in violation of 15 USC 1681e- Compliance procedures ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it SHALL follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. I am requesting the information from the original creditor and also an investigative report as to why this account is reporting on my consumer report. 15 USC 1681g Disclosures to consumers ( a ) Clearly states Every consumer agency SHALL, upon request clearly and accurately disclose to the consumer : all of the information in the consumers file at the time of the request.
11/21/2022	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	CA 91304	Web
On XX/XX/XXXX I mailed the debt collector ( XXXX XXXX XXXX XXXX ) a debt validation letter. On XX/XX/XXXX I received an improper debt validationXXXX XXXX XXXX XXXX XXXX sent me a package of validation that did contain information about the debt such as past statements. However it still lacked important information. Such as the official contract or document from XXXX XXXXXXXX XXXX that bears my signature stating I am the alleged bearer of the debt. Along with the official document stating that XXXX XXXX has the legal right to collect the debt. They also have to send me their license # to collect debt in my home state of California and Pennsylvania where they are stationed. Lastly XXXX XXXXXXXX XXXX XXXX must send me all the information about the debt including how much they paid to purchase it. If XXXX XXXXXXXX XXXX XXXX does not get me all this information together in a proper debt validation by XX/XX/XXXX which is the deadline to their 30 day validation window. Then they have to remove the collection from my credit report from the three Bureaus and cease collecting the debt as is my right under the Fair Debt Collection Practices Act. ( FDCPA )
06/15/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	GA 30328	Web
I have submitted a complaint previously on XX/XX/2021. This debt buyer is still reporting inaccurate information. I have no legal obiligation to a debt buyer per law. I asked previous to send proof of the alleged debt. But the only thing provided was a copy of a original contract from a creditor. I have never entered into any contractual agreement with NCB Management. This inaccurate information is casuing emotional turmoi.l The presence of these inaccuracies has caused immense anxiety, frustration, and stress in my life. Constantly worrying about the unjustly damaged credit score and the potential negative consequences has taken a toll on my emotional well-being. This is a mental burden, dealing with the consequences of these inaccuracies has resulted in sleepless nights, difficulty concentrating on daily tasks, and an overall sense of mental anguish. The constant preoccupation with rectifying this situation has adversely affected my overall quality of life. I assert my rights under the FDCPA and the FCRA to dispute the debt based on the absence of contractual privity, lack of validation, and potential inaccuracies in credit reporting.
08/28/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	TX 75204	Web
This complaint is regarding XXXX 's inability to effectively dispute a item on my credit report that is being reported by XXXX XXXX XXXX XXXX. XXXX XXXX XXXX sold my debt to NCB Management Services , INC., who agreed to remove the item from my credit report after I paid 50 % of the debt. I paid 50 % of the debt in XXXX automated installments but XXXX did not removed the item off of my credit. Instead, they updated my account to {$0.00} owed and partially paid off, which was updated by XXXX twice within the last 7 days. This seems like double jeopardy. XXXX sold the debt to NCB Management but is still actively holding the credit item on my account. NCB Management agreed to remove the item of I partially paid, and I did. Now, I feel like I was either manipulate by this company, which seems very unethical, or XXXX is being allowed to sell the debt but refuse to comply with the agreement. I will attached a copy of the agreement and a screen shot of the {$0.00} balance reflected on my credit report. In this case, who is the legal owner now? XXXX or NCB Management. XXXX must comply with the terms that were made after they sold the debt.
09/23/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	IL XXXXX	Web
This company calls me every single day. Leaves a message with no information other than to call back about debt collection. I have checked all credit reports - theres nothing that even mentions this NCB Management Services. I have blocked their phone number previously, and they just start calling on another phone number. I have asked them to stop calling me, they will not. When I do call back, they tell me this is their attempt to collect a debt. I ask what they are talking about and they say " we're attempting to collect a debt. '' When I inquire about what debt they're calling me about, they ask me for my personal information including DOB and SSN. I say I have never received anything in writing from them, so I will not provide my personal information- I can't confirm its not fraud. They're the ones calling me every day over something I have no knowledge of. If they're contacting me everyday, they shouldn't need me to hand over my SSN before proceeding. Again, I have nothing in writing from them - ever. I have nothing with their name in my emails, my credit reports, nothing! How do I get them to cease and desist communications?
11/12/2018	Yes	Debt collection Auto debt	False statements or representation Attempted to collect wrong amount	IL 60652	Web
I purchased a vehicle through XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX. The vehicle was voluntarily surrendered on XX/XX/XXXX. On XX/XX/XXXX the vehicle was sold. I was sent a notice stating the balance owed was {$3100.00}. At some point in XXXX, the account was sold to NCB Management. NCB Management is reporting a balance of {$2100.00}. I requested validation of this account XX/XX/XXXX. On XX/XX/XXXX2018 NCB forwarded me documents from XXXX. Upon reviewing the documents I noticed that XXXX falsified the amount owed. The amount owed was indeed {$2100.00} instead of the amount they originally told me. This is a direct violation of the Fair Debt Collection Practices Act ( FDCPA ), which is enforced by the FTC. XXXX is also reporting my last day of payment as XX/XX/XXXX but it is not reflected in the itemized list of payments. This would decrease my total amount owed by {$360.00} so again, this is illegal. Furthermore, XXXX is in violation of their Arbitration clause by sending my account to a third party, NCB Management. NCB Management has no legal right to collect the debt and by the reporting of this debt, they are in violation of FRCA.
10/26/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	CA 92024	Web
It appears that my credit/my file/my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any account or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove this files. XXXX XXXXXXXX XXXX XXXX Date Opened : XX/XX/20 Balance : {$2100.00} If you feel there is a possibility this account belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
09/28/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	FL 331XX	Web
Good afternoon Team NCB, In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions Im writing to dispute for the second time the following in my file. The item i dispute alse are encircled on the attachment copy of report i received. This item # XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX disputed by name of source, such as creditors or tax court, and identify type of item, such as credit account, judgment, etc. ) is inaccurate or incomplete because ( describe what is inaccurate or incomplete and why ). Im requesting that the item be deleted ( or request another specific change ) to correct the information. Use this sentence if applicable and describe any enclosed documentation, such as payment records, court documents ) Enclosed are copies of documents supporting my position. Please reinvestigate this ( these ) matter and delete or correct the disputed items as soon as possible
06/02/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	GA 30004	Web	Servicemember
I checked my credit report and notice this collection account on my report that is fraudulent, haven't been properly verified, reporting frivolous and inaccurate information. The collection agency purchased a fraudulent account that was removed off my credit report due to being a victim of identity theft back in 2015 I sent the creditor and the credit bureaus proof of this information and the account was removed however this is over 6 years later and this new company is now reporting the inaccurate information. According to the FCRA LAWS ensure that bureaus report only 100 % accurate credit information. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature Failing that, the item must be deleted from the report as soon as possible. The listed item is entirely inaccurate and incomplete, and as such represents a very serious error in your reporting. Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last six months, or the last two years for employment purposes.
04/11/2020	Yes	Debt collection Auto debt	False statements or representation Impersonated attorney, law enforcement, or government official	TX 78744	Web
NCB MANAGEMENT has placed negative information in my credit file, WITHOUT notifying me first, as per the FCR Act. I would have then told them, as i have written, them and the bureaus, this is not my debt, I have no relations with XXXX, and have never benefitted from such. A company is a " dead '' entity, and only exists because we the people created the State/Government, then gives this " dead entity '', limited powers. When does these powers include, now telling me who i am, or what i did, or am doing, XXXX, thus runs the show. The law does not presume an agency relationship exits just because an alleged agent says so, Armato v. Baden Restaurants, 71 cal. App. 4th 885, 84 Cal. Rptr. 2d 294 ( 1999 ). a claimed existence existence of an agency relationship forces a fact intensive inquiry. See, e.g. C.A.R. Trans. Brokerage v. Darden Restaurants., 213 F. 3d474 ( 9th Cir. 2000 ). NCB MANAGEMENT flaunts all DUE PROCESS LAWS, by placing this negative information in my file, without proving anything, that it is me, and/or i am the one responsible, only creating ultra vires acts, interefering in my Constitutional right to contract.
01/24/2021	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was result of identity theft	NJ 07112	Web
This account was past around to 14 different creditors. The account was closed but I guest management services incorporated picked it up. The account once was removed off my credit report but the collections agency keep putting it back on every new year. Someone used my name after I pulled back from cosigning. The sales rep at the dealership proceeded anyway after I told him I changed my mind. The next day after me leaving the dealership. This account was back in XX/XX/XXXX. Now the debt collector place it on my credit as XX/XX/XXXX with the amount of {$10000.00}. I reached out to the collector and told them what happened and said the can do a settlement for {$1000.00} I agreed but then I ask can I receive a letter of proof stating I resolved the matter and they said I would have to wait. I thought if I pay with my Credit card I should be able to receive proof so now I had doubt on paying the settlement and the reason I was going to pay the settlement because I was trying to buy a house because I just got married and need the later to proceed with buying my house. I really don't fill like I am responsible for this debt.
06/22/2016	Yes	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	FL 32829	Web
i have been contacted on numerous occasions by NCB Management Services about a debt that i am unaware of. I have requested that they verify the alleged debt through a letter to me per FDCPA guidelines. I have requested they cease contact with me or anyone else by phone until they provide verification of the legitimacy of the alleged debt. As of this date they have continued to contact me and family at work and home at all times of the night demanding that i pay this debt. After repeated communication to these agency 's they continue to make threats. I am filing this complaint to request the Consumer Financial Protection help in resolving this matter. NCB refuses to provide basic information needed to verify that this debt is even real. I received phone calls from multiple people from XXXX telling me that they are going to notify law enforcement about this debt ( which is both impossible and a violation of FDCPA ). The tactics employed by NCB are both predatory and illegal. Please help in resolving this matter expeditiously so this company is not allowed to continue to operate under false pretenses and unprofessionally.
06/21/2021	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	FL 32940	Web	Older American, Servicemember
After several months of robocalls indicating that a member of our household owed debt and that said member should contact the collection agency. The calls were made by NCB Management Services , Inc., XXXX XXXX XXXX, XXXX-XXXX, PA XXXX ( or a subcontractor used by same ). We notified NCB by certified mail ( receipted by NCB on XXXX XX/XX/2021, USPS Certified Number XXXX XXXX XXXX XXXX XXXX ) to cease and desist in calling our home providing them with the guidelines set forth in Federal Trade Commission Act 805 Fair Debt Collection Practices Act ( As amended by Public Law 111-203, title X, 124 Stat. 2092 ). NCB made no effort to contact us to remediate the purported debt as set out in the above statutes. We continued to receive calls from NCB or one of its subsidiaries with the last being received on XXXX XX/XX/2021. Their continued harassment has caused us to remove our voice mail and even though their calling number has been blocked they use another number from which to call. We can not supply an account number as we do NOT have an account. They were calling our home seeking out a party by the name of " XXXX ''.
08/19/2017	Yes	Debt collection Auto debt	False statements or representation Attempted to collect wrong amount	GA 30296	Web
In the beginning I agreed to make payments of {$50.00} at the of each month starting in XXXX XXXX. I was planning on paying off the total, but could n't and I agreed to make a payment of {$520.00} on XXXX but I had to cancel. So I setup recurring payments of {$150.00} on the XXXX and XXXX or a few days after to ensure the funds are there of each month starting XXXX XXXX. The first payment of {$150.00} came out of XXXX absolutely fine. The next payment of {$150.00} came out of XXXX which was not the agreed date, but ok because I am trying to pay off my debt. So the next payment of {$150.00} came out on XXXX, again not the agreed date. So on XXXX I received notification from NCB that they would be taking out the next payment of {$150.00} on XXXX/XXXX/XXXX, 4 days before the agreed date. At that point I cancelled the recurring payments with them. At this point I feel I should not be liable for this debt because they took funds out of my account before the agreed due dates. I want the debt to be removed from my credit report and I want all the funds that were taken out before the agreed due date returned back to me.
10/25/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	CA 92647	Web
I filled chapter XXXX Bankruptcy in XX/XX/XXXX and it was Discharged XX/XX/XXXX. I have been advised by my bk lawyer, that to review my report That all account included in the bankruptcy is to show the following. Discharged in Bankruptcy, included in Bankruptcy, or Bankruptcy Balance must show XXXX Account must be listed as closed A no negative late payments can be showed except for bankruptcy. The question of have is, I have one account that was included in Bankruptcy and was discharged, Closed and balance is XXXX. Two credit bureaus that provided XXXX XXXX my report, this this one account under COLLECTIONS, but it does state Discharged and not under the closed file. Is this legal, I have reach out, to the two credit bureaus, XXXX XXXX and no one has replied on this issue or fixed it. If this account was included in my bankruptcy and discharged it should not be under collections. Can you advise if this is correct and if I should file a complaint. I under the Bankruptcy will stay on my credit report for 10 years, but not the collections and I am getting various answer. Please advise. Thank you
01/24/2017	Yes	Consumer Loan Vehicle loan	Shopping for a loan or lease	TX 76017	Web	Servicemember
I have been told that NCB Management Services , Inc has filed a law suit against me in court for about 4 thousand dollars. I do not know who NCB Management Services , Inc. is, I have not ever signed anything with them and do not owe them money. I am receiving letters from attorney 's wanting me to file bankruptcy. I do not know who this company is or why they are dragging me to court. NCB Management has no records of my signature with them for any product or service. I did return a car to XXXX but the car was in good working order and it was not a repo. I returned the car because they and the dealership promised me If I paid on the car for a year I could turn the car in and get another car. I did not want or like the car I was sold. I tried to trade the car in 14 times and was turned down everytime. When I turned the car in it was valued at XXXX and the amount owed was XXXX. I do not know where they come up with me owing them for XXXX dollars to a company I have never heard of. I believe they are trying to collect fees and interest on money they did not loan or have the right to collect ; and I do not owe.
04/07/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	TX 75220	Web
In XXXX, XXXX credit cards and XXXX other loans ( I don't know if they were pay day loans or what kind of loans because I didn't open them ) were obtained in my name by fraud. I don't know who opened them. After much work, the XXXX credit cards and another loan removed their reporting because their investigation showed it was fraud and not my accounts. NCB, although the person I talked to said he thought it was fraud, they would not remove. I finally just negotiated a pay off with them to get it off of my credit report. I paid them for someone else 's fraud. I have a letter from them that they would completely removed the account from my credit report if I paid the negotiated amount. They haven't removed it. After some time they changed the reporting to show that I owed the amount left after I paid the negotiated amount. Now they show it has a XXXX balance but have not removed it from my credit reports as agreed in writing. I've attached the letter. No other creditors have been as shady and dishonest as NCB, They really are bad and should be investigated without regard to my complaint.
02/08/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CA 94014	Web	Older American
XX/XX/2019, XX/XX/2019 I have contacted NCB Management on several occasions to prove to them that this account does not belong to me and they are assisting that it does even after I have proven to them that the account was opened by a different drivers license, address, job information, email, mobile phone, address information. Everything on the application that was submitted IS NOT MY INFORMATION. I went so far as to send them a copy of my driver 's licence to prove the application 's driver license number is not mine and they still said they " are unable to substantiate the allegations in my dispute sent. To whom it may concern : I have proven to you that this account does not belong to me and should be removed from the three reporting agencies : XXXX, XXXX & XXXX. XXXX is still reporting the amount owed of {$2700.00}. XXXX is still reporting and XXXX is still reporting. NCB MANAGEMENT SERVICE Last reported XX/XX/2019 {$2700.00} Open balance XXXX XXXX XXXX XXXX Original creditor By the provisions of the Fair Credit Reporting Act, I demand that these items be removed from my report ASAP!.
08/01/2022	Yes	Debt collection Auto debt	False statements or representation Attempted to collect wrong amount	FL 33027	Web
Had a Auto loan with XXXX. The car transmission failed and I contacted them to see if they could extend the payment to allow me to save and par for the XXXX repair that was quoted by XXXX. They refused and said no, they could not do it so I told them they can come and pick up the car. All this was during the pandemic and I noticed on XXXX XXXX that the loan was written off as a bad debt. I was surprised they wrote it off as a bad debt while the car was still in my driveway. About 6 -8 months later, I woke up and the car was gone. My complaint is the fact that they violated the law by not letting me know the car would be sold at an auction. I did not receive a letter until after the car was sold, Nonetheless, the interest rate that XXXX charges on consumers is outrageous. They have also sold the loan to a collection agency which I am confused about. I would be more thank happy to work with XXXX on resolving this issue but I think its unfair that this doesnt was sent to collection after the car was sold and written off as a bad debt and without notifying me of the auction.
11/23/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was paid	CT XXXXX	Web
MANAGEMENT SERVICES INCORPORATED. CORPORATE has sent me a debt collection letter in attempt to collect a alleged debt stating they are financial partners with XXXX XXXX. Notice it is a XXXX XXXX XXXX. CORPORATE is a debt collector and falls under FDCPA. Notice it is a fact XXXX XXXXXXXX XXXX has charged off the alleged debt and has sold it to MANAGEMENT SERVICES INCORPORATED has violated me on multiple occasions under the FDCPA and are liable for damages under 15 USC 1692k-15 USC 1611 and 15 USC 1640.I have DEMANDED validation of debt under 15 USC 1692g and MANAGEMENT SERVICES INCORPORATED. MANAGEMENT SERVICES INCORPORATED has committed numerous Federal Violations against me the consumer and is attempting to collect a alleged debt through obscene matters under 18 USC 892 because anything coming from a consumer credit transaction is a FINANCE CHARGE which is the SUM OF ALL CHARGEs meaning any extension and any alleged debt coming from that extension of credit is already paid and any recollection attempts is a violation under 18 USC 892 and a violation under Racketeering.
03/08/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit repair services	Confusing or missing disclosures	MI 48238	Web
I had an orginal account with XXXX XXXX XXXX which was sold and own to NCB management services incorporated. On XX/XX/2023 I reached out to NCB management and spoke with a supervisor and I ask when I pay off what I owe can you please delete the account from my credit report because I am trying to get an auto loan via my bank. He agreed ( there is a video recording through them ) and that it should be deleted in 2-3 weeks. I notice on XX/XX/2023 that they did report to the credit buearu that it is paid but however it is still on my credit report. I called the same day to ask if someone can put in writing on what was agreed concerning the account being deleted they said no one can do it and to call back next week to get a receipt of the payment which I will not receive until two weeks later. I called XX/XX/2023 to explain the situation and again another dead end one can write the agreement but will send me a receipt in 14 days. I mainly want a written statement from them agreeing to deleting my account and my receipt hope someone can help. NCB phone number : XXXX XXXX.
12/08/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	IL 60651	Web
NCB management services, account number XXXX I have filed an identity theft report, I have asked this company to cease & desist all communications which they havent, I have asked this company to provide me with contract signed by all parties involved in this debt which they havent, this is a third party company I have no original contract with and my information have been sold to this third party company against my will and without my consent my consumer rights are knowingly violated by all parties involved in this account debt, this company also continues to contact me after I demand them to cease and desist all communications with me. 15 USC 1692 ( c ) ( a ), 15 USC 6802 ( B ) ( 1 ), 15 USC 1681 ( 4 ), 15 USC 1681 ( b ) ( 2 ), & 15 USC 1692 ( g ) ( b ) have been violated by this company. My last request for this company to cease & desist all communications with me and I demand this company to delete or request to delete this account from all 3 credit bureaus immediately and this account is under investigation and this company will be subpoenaed to civil court
07/04/2023	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was paid	MD 21229	Web
NCB did not look into the fact that this is a write off by XXXX. The original creditor XXXX XXXX XXXX has determined that this is a charge off ( written off ), and a close out. Which in turn means that the original creditor can not take any further collection action after close out, including selling the debt to another agency, and if required by Internal Code and regulations must report closed out debt to the IRS. The fact that XXXX wrote this debt off as a charge off means that XXXX reported this debt as a loss to the IRS. Therefore this means that no further payments are due. In addition : the balance reflects a XXXX balance on credit reporting agency reports. XXXX could not legally sell this debt, therefore they have violated my privacy by selling my information to NCB, and NCB has violated The Fair Debt Collection Practices Act by not validating the debt collection accuracy and or legality. XXXX May also be in violation of other laws if in fact they did sell a debt to NCB and collected any money from that sale, after reporting it as a loss to the IRS
02/01/2023	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	WI 53207	Web
In XXXX of XXXX I was contacted by NCB stating I owed a debt for a cash advance and they now owned it. I was unsure of the debt, as the only one I had knowledge of taking out was paid off years ago. I requested information on the debt be mailed to me. I recieved nothing. I did not hear from them again. Not even information on their company or my rights. In XXXX of XXXX I recieved a notice that there was a collection account on my credit report and my score dropped XXXX points. Despite them not providing me a validation notice or the validation I requested. I filed a dispute and sent them another request for validation of the debt. I tried to call and talk to someone but they said no one was available and to call back later that day. They finally mailed me the original agreement I signed and a very basic financial record to close the dispute on my credit report. I contacted them again and requested more validation of the record, because it didn't show any of the details for the advance or payment information. I am still waiting on it to see how to progress.
08/02/2018	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	MI 49307	Web	Older American
NCB Management Services Inc appeared on my credit report this this past year as a collection stating that I owed {$3600.00}. The original creditor was XXXX ( which I think may be a payday lender ). The loan was for around {$3500.00} in which I paid every 2 weeks a large sum with very high interest rates ( 3-400 % disguised as FEES ). I paid approximately 1/2 the loan off and when I asked to re-borrow the extra debt was added to my balance but I never received the the extra funds. So I stopped payment. When I saw this collection on my credit report I called XXXX XXXX XXXX XXXX was told they were only the financier and then I called XXXX but both said they have nothing to do with the loan. So I called NCB and asked for a compromise and we agreed to {$1200.00} payment and deleted from credit report. But they would not send me a letter stating this and I have found debt collectors to lie. So I filed with the XXXX offering to pay {$500.00} and removal from credit reports, but this has not solved the problem either. How did the balance get to {$3600.00}?
12/21/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was paid	IN 46131	Web
This company did not have permissible purpose to furnish anything on my consumer report. I did not give this company my written instructions to furnish anything on my consumer report. Furthermore, I did not engage in any consumer credit transaction with this company therefore they should not have any of my information. They have infringed upon a consumers right to privacy by obtaining my information without my consent. Moreover, the account is with XXXX XXXX XXXX XXXX, which contains a finance charge and a finance charge is the sum of all charges, thus this account was paid in full when the company obtained my credit card ( social security number ). Under federal law, a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. This account shall not contain a balance nor should it be listed as a collection/charge-off account. Furthermore, XXXX XXXX XXXX XXXX has committed aggravated identity theft by reselling my private information to a third party ( NCB in this particular case ).
10/27/2020	Yes	Debt collection Auto debt	False statements or representation Attempted to collect wrong amount	PA 19120	Web
In short I've been fighting this debt for about 3 years now NCB Management Services bought my old car loan from XXXX XXXX after it was repossessed when the car was repossessed I only owed about two maybe three months of Miss payments which would have totaled at most a little over {$1200.00} I have contacted NCB Management Services let them know this they acknowledged that they had paperwork saying XXXX XXXX would continue my car loan if I paid a little over {$1100.00}, I communicated with them multiple times that that is all I owed once the car was repossessed they were not allowed to be charge for the entire loan they still keep trying to charge me and now I want to stop with me from buying a house and I would like this entire debt removed as they willingly continue to purchase the wrong amount of debt in order to gain the most money for them, if a car is repossessed and is still in good working condition able to be sold again from my investigating they are not allowed to charge the full price of the vehicle but they're still trying to do that.
05/04/2023	Yes	Debt collection Auto debt	False statements or representation Attempted to collect wrong amount	IL 60610	Web
I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. ''. I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof of the negative payment status for this account, or delete the negative information in this account. account. Also you stated this account is reporting accurately, however, I see multiple discrepancies with my credit report, even after your investigation, so not only did you not provide me with the proper paperwork you lied about the information being correct none of your dates or amount match what you said provided to the other 2 credit bureaus if you continue to report incorrect, unverified and made up information I will be reporting this as I have a right to a correct and credit report I asked in the previous dispute you provided me With the information and I didnt receive anything only false updates on the accounts
08/11/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	MO 647XX	Web
On XX/XX/2022 the defendant wrongfully began reporting false and harmful information to the credit bureaus regarding such an account which has never been mine, would have been mine, and whatsoever. I have filed disputes with credit agencies and this has led me to here, a violation of FCRA regulations which protect against harm and financial hardships against consumers. Defendant has been sent a refusal to pay letter, per FCRA guidelines and was received in their offices on XX/XX/2022 at XXXX XXXX. The actions resulting from the letter being delivered have been ignored and the consumer is illegally being impacted by the misinformation this business is illegally reporting to the credit agencies. It has been 5 business days since delivery and accounts are still reporting illegally and incorrectly on the plaintiffs ' credit reports. The complaint is a demand per guidelines on FRCA this account be removed, any and all attachments to said, individual. I am a victim of identity theft and it is federal due to crimes attached to my credit profile.
02/22/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	SC 290XX	Web
There was a fraudulent account opened with my information that was done online to receive cash from a place called XXXX XXXX of South Carolina in 2015. Upon discovery on my credit it was sent to a collections which this how I found out about the account. The amount is XXXX dollars that NCB management is trying to collect. I've been disputing this account for the past three years to get it removed of my credit. There is no verifiable information other than stolen information. When I ask for any proof there is no proof other than it was done electronically and the money was issued then account closed.ive called the main company and explained this to them and they can not pull up any accounts by my name or last four of my social. I called the collection agency NCB Management and explain this to them and they said they bought the account from XXXX XXXX I asked them how are they verifying information if the actual company doesn't have any informations to go off of. This fraudulent account needs to be removed and deleted off my credit profile
06/14/2018	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	NC 28390	Web
I AM XXXX XXXX XXXX AS EX HUSBAND LAST NAME IS XXXX as divorce on XX/XX/2012, ALSO HE STEAL MY SSN NUMBER AND ADDRESS SO HE IS REAL XXXX XXXX XXXXXXXX XXXX SSN IS XXXX XXXX XXXX AND HE STEAL MY SSN CHANGE BLAME ME I HAVE TO PAY FOR THOSE 2 THINGS OWE FOR XXXX XXXX XXXX AND CAR PAYMENT ( XXXX ( SP ) SO PLEASE CHECK UP AS INSPECTION HIS PHONE IS XXXX XXXX XXXX AND XXXX XXXX ( EFFECTIVE COMMUCIATION ON VP WITH INTERPTER .. TKS HE REFUSE PAYMENT THOSE HIS PAYMENT OF TWO THINGS AS WE ALREADY DIVORCE PERIOD HIS ADDRESS IS XXXX XXXX XXXX, XXXX XXXX NC XXXX U HAVE ALRIGHT TO ARREST XXXX XXXX XXXX NOW .. HE NEVER LISTEN AND INGORE THEM SOMEONE TRY TO CONTACT AND INGORE THEM AS OWE PAYMENT LET U KNOW THANK U PLEASE LET ME KNOW MY NAME XXXX XXXX XXXX XXXX XXXX XXXX IF PROBLEM CALL ME QUICKLY I WILL GET LAWYER ABOUT IT ... MY ALREADY PAYMENT FOR XXXX CONSUMER PAYMENT PAY OFF THOSE AND ANOTHER XXXX XXXX XXXX HIS NAME ON TOP THAT ALL HE BORROW MONEY AND GET CAR THAT WHY HIS RESPONSIBLE THAT ALL AS VOWS PERIOD .. PLEASE HELP ME AS SOLVE DOWN
03/24/2016	Yes	Debt collection Credit card	Communication tactics Frequent or repeated calls	PA 161XX	Web
I just learned today that the debt collection agency NCB Management Services on behalf of XXXX XXXX XXXX telephoned my wife in late XXXX XXXX. The collector harassed my wife to the point that she felt forced to pay {$50.00} on the account and has done this in years past to re-age the account. The account is not my wife 's account. It is my account. I never gave my wife authority to pay anything on the account or on behalf. The account is out of statute. Back in XX/XX/XXXX my XXXX son XXXXXXXX for months on end. I have not, personally, paid on the XXXX XXXX XXXX account for over 5 years. I know the collection of the account is out of statute. Here in Pennsylvania the statute of limitations is four years. I believe it is an unlawful collection practice by NCB Management Services to hound a non card holder to make a nominal {$50.00} payment in an attempt to revive the statute of limitations -or any other amount. I believe that NCB Management Services should return to my wife the recent {$50.00} payment that they procured by fraud.
12/08/2017	Yes	Debt collection I do not know	Communication tactics You told them to stop contacting you, but they keep trying	SC 29407	Web
This company ( comes up as NCB management ) has called me numerous times at my place of employment. The first time I asked the gentleman politely to refrain from calling my job phone and that he can call my cell ( if he had it on record ) after XXXX. Me telling him that stemmed from our job receiving a recent number of spam calls. So we were advised to not give out our personal information. He said he had my number and would call. That afternoon, I received another call at my job but was n't available to answer. When I did speak to a representative again, I asked her to please take my work number XXXX out of their system because we can not receive personal calls. Since then, I have still been receiving calls from them from different numbers, even on the weekends ( My job has caller id ). I also advised her that if there is any debt that i owe to please send it via mail. She asked for my address, i told her that if I " owe '' a debt, they should have my address. How can I get these calls to stop at work? I could lose my job.
09/26/2023	Yes	Debt collection Auto debt	Threatened to contact someone or share information improperly Talked to a third-party about your debt	IL 60612	Web
On XX/XX/XXXX my friend XXXX Called in around XXXX CTS and spoke with XXXX XXXX regarding my debt. XXXX Failed to get XXXX 's first and last name on that phone call. he went ahead and disclosed details regarding my debt to XXXX with out going through any verification process as to who he may of have been speaking with. Under XXXX XXXX understanding he can disclose my personal information to ANYBODY that has my date of birth ( seems like that may be an oversight in training ). My understanding of the FDCPA is that as debt collectors they are required by federal law to keep my privacy protected and to not disclose my personal info to an unverified party. i feel like they are in direct violation of third party discloser laws, covered under SUB SECTION 805 B of the FDCPA. I feel like they are in Violation of my rights, and i am asking them to Cease Collections on this account immediately and to remove off my credit report, as they are in violation of federal law, and they have failed to keep my rights as a consumer protected.
06/30/2021	Yes	Debt collection Mortgage debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	VA 230XX	Web
I had a vehicle that I purchased XXXX XXXX financed through XXXX XXXX. The vehicle was stolen in XXXX of 2016. I did file with my insurance company. Insurance paid some but left a balance. XXXX XXXX wanted insurance to pay an amount that was much higher on a XXXX XXXX XXXX vehicle as if it was brand new, insurance company refused.Insurance company sent them a check for what the vehicle was worth at the particular time. XXXX XXXX then sold the account to Ncb Management Services. After sometime I noticed Ncb Management Services had not only added this debt to my credit report but also listed HOME FORECLOSURE as well. I have not ever had a mortgage. I have contacted them about this and they will repeatedly avoid discussing the issue / or will advise me that it was not them that listed the foreclosure on my XXXX Credit Report. Listed on my credit report following the debt has Ncb Management Services as the furnisher of information regarding this FORECLOSURE. I have called to correct this several times and they will avoid me.
07/08/2019	Yes	Debt collection I do not know	Communication tactics You told them to stop contacting you, but they keep trying	FL 34997	Web
1. I was repeatedly receiving calls from NCB Management at home, and on the work phone. I sent NCB a letter on XX/XX/2019 ( attached ), advising them to : ( a ) stop calling me at my place of business, as my employer forbids this. ( b ) stop using deceptive practices such as using local numbers for out of state collection companies. This deceives the intended recipient into thinking it is someone local. The collection agency does not have a local or instate office. ( c ) On XX/XX/2019 I received a letter from NCB that stated in writing they I would no longer receive calls from them. ( attached ) ( d ) Despite receiving the above letter of XX/XX/19, on XX/XX/2019 I received a phone call from NCB, on my work phone, again using the same local deceptive number. I took a cell phone picture of my work phone ( attached ), which clearly shows the date and time. 2. I never received a notice of validation of debt from this debt collector when i asked for it again in writing on XX/XX/19 ( attached ), I still never received it.
11/10/2017	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	OH 43219	Web
I have a a unverified account from NCB MANAGEMENT SERVICES # XXXX**. I had previously disputed this account. I have never done business with NCB MANAGEMENT SERVICES. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that NCB MANAGEMENT SERVICES Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that NCB MANAGEMENT SERVICES Cease and Desist all further communications and collection actives and provide the verification of the purported debt.
05/25/2023	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was result of identity theft	TX 75212	Web
I have provided this company with the necessary documents showing I was a victim of identity theft. I received a letter on XX/XX/XXXXXXXX advising me that they were unable to substantiate the allegations in my dispute but didn't provide any more details. I called the phone number listed on the letter XXXX, which states the company name and says please hold repeatedly. I have not talked to anyone verbally, as this phone number does not connect you to a human being. This account is a fraudulent account. Their documentation sent in XXXX of XXXX does not show any identity verifications that shows I legally purchased this vehicle. There is not a copy of my drivers license, check stubs, bank statements or any other factors that proves I purchased this vehicle. Only documents showing a signature that was falsely signed. When purchasing a vehicle, by law, you have to provide proof of identity. Please show me a copy of my drivers license and income verification documents that was used to complete the purchase of the vehicle.
07/31/2021	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	SC 290XX	Web
ON XX/XX/2021 I Requested that NCB Management Send me the Original Agreement for this allege collection account XXXX Any promissory note attached to this agreement Along with the 1099 -OID for this alleged debt if it is not medical debt. They sent in the paperwork that had no signs of my own, It is against the statute of frauds of South Carolina - " Statute of Frauds SECTION 32-3-10. " Agreements are required to be in writing and signed. ( 5 ) To charge any person upon any agreement that is not to be performed within the space of one year from the making thereof ; Unless the agreement upon which such action shall be brought or some memorandum or note thereof shall be in writing and signed by the party to be charged therewith or some person thereunto by him lawfully authorized. '' NCB has yet to produce anything that resembles a contract yet they keep contacting me with this alleged debt as if they have the right to I want this alleged collection account permanently deleted from all of the credit reporting agencies
08/29/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	CA 94061	Web
I am filing this complaint because I'm going through a really stressful time due to NCB Management Services , Inc. I filed an arbitration case against NCB, who is reporting the account involved in this matter. NCB has refused to arbitrate the matter thereby violating the contractual agreement that was in place with XXXX XXXXXXXX XXXX XXXX XXXX XXXX. ( the original creditor ). NCB Management Services , Inc. is a debt buyer, therefore they must honor the arbitration agreement that was originally signed with XXXX XXXX XXXX XXXX XXXX XXXXXXXX. The XXXX XXXX XXXX is about to close my case because NCB has not honored the filing fees payment. This means that every consumer that wants to open a legal action against NCB will not be helped. I want to request the CFPB to begin an investigation so this company does not continue to evade its responsibility to respond to arbitrations filed by consumers. I am attaching the proof of the case and the XXXX XXXX XXXX 's email in which they state the case was to be closed.
10/16/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	MO 631XX	Web
In Accordance to the Fair Credit Reporting Act 15 U.S.C 1681 Fair Debt Collection Practices Act 15 U.S.C 1692 XXXX XXXX XXXX XXXX & NCB Management Services XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A section 2 : it states a consumer reporting agency can not furnish without my written consent 15 U.S.C 1692C without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.at any unusual time or place or a time or place known or which should be known to be inconvenient to the consumer. a debt collector may not communicate, in connection with the collection of any debt 15 U.S.C 1692 806 ( 5 ) Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number.
09/11/2017	Yes	Debt collection Auto debt	Written notification about debt Didn't receive enough information to verify debt	GA 30274	Web
Based on my most recent credit report, NCB Management Services has been reporting a collections amount of {$11000.00} which is for a XXXX XXXX that was repossessed by XXXX XXXX XXXX. On my credit report, XXXX XXXX XXXX reported the account CLOSED as of XX/XX/XXXX ( said XXXX XXXX was repossessed in XX/XX/XXXX ). NCB Management Services nor XXXX never reached out to me to inform me of the collections and though the account is closed with XXXX XXXX XXXX, NCB Management Services has never contacted me via mail, email, text nor phone regarding this account. NCB Management Services continues to report the account to the 3 major credit bureaus in order to keep that account current and longstanding. In an effort to purchase a home, this has been a major issue with the underwriters. I wrote a letter to the 3 major credit bureaus to verify the account and it validity and the remarks were unfavorable because at no point was it stated how the account was verified. Thank you for kind assistance on this matter.
06/01/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	NJ 08879	Web
I am writing this personal statement to report a case of identity theft regarding recent inquiries, Loans and unauthorized transactions made on my behalf. I have only recently discovered this information through a credit repair company, which I sought assistance from while applying for a XXXX XXXX membership. I want to make it clear that these inquiries, Loans and unauthorized transactions were not made by me, and I believe that my personal information has been compromised. It is of utmost importance to address this matter promptly, as it not only affects my credit history but also raises concerns about potential fraudulent activity. I kindly request your immediate attention and support in resolving this issue and safeguarding my personal and financial well-being. companies involved ; XXXX XXXX for {$470.00} XXXX XXXX XXXX {$790.00} XXXX XXXX XXXX XXXX {$200.00} NCB management Services XXXX XXXX XXXX XXXX {$12000.00} XXXX XXXX XXXX XXXX {$720.00} Two hard Inquiries by XXXX XXXX XXXX XXXX XXXX XXXX XXXXI
04/15/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	AZ 860XX	Web	Older American, Servicemember
NCB Management in violation of 808 and 809. Unfair practices and Validation of debt. I failed to receive in writing : ( 1 ) the amount of the debt ; ( 2 ) the name of the original creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumer 's written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor.
04/03/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CA 922XX	Web
I am having an issue with NCB XXXX XXXX. They say I owe {$3700.00} From a company called Rise XXXX of California. I don't know what this is, I have never had credit or a loan with this company. I have been disputing this with the 3 credit agencies for a couple of years now, I keep getting the answer " Verified as accurate ''. Who verifies this information? It is NOT accurate, I keep saying this but nothing is done. They believe the company over me? Really? I mailed them a letter of validation on XX/XX/2021. I have asked for proof, I get a letter that says " We are unable to substantiate the allegations of this dispute '' I called once, I spoke to a very RUDE lady, she wouldn't tell me anything, she asked me for a SSN, I told her I would not give it to her, she should have it on file. I asked her to give me a different option to verify myself, she wouldn't. I asked her to mail me proof, she said I would get court papers in the mail, I told her FINE. I have never seen anything. I dont know what to do now.
07/26/2017	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was result of identity theft	TX 77550	Web
I 've tried disputing a couple of fraudulent accounts on my credit report, and the Bureau has taken some of it off but only the collection things. I 've sent letters to the collection agencies, NCB MANAGEMENT and have gotten little response. Not sure what is being looked into when the bureaus send me the results showing verified. How can they verify something that 's not mine? Most recently about a month ago I did send in an Identity Theft document and all of the items it asked me to include. Feel like after six months of disputing and working hard that it 's really going nowhere. Would like to have this stuff taken off my credit report bc it is not mine. Thank you I leave out of the country for months at a time, and someone must have used my information and apply for credits because I was always getting declined no one could tell me what happened. Police said too much time passed. I 've made contact via certified mail 2 times. XX/XX/XXXX and XX/XX/XXXX. Still have not received anything back or response.
06/21/2021	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was result of identity theft	IN 47130	Web
I've been a victim of ID theft and have multiple accounts opened in my name. I've taken EXTREME precautions to get my life back. Currently, I've I have freezes on my SS #. This Debt was successfully disputed, removed & closed XX/XX/XXXX XXXX XXXX SAME DEBT was purchased by a XXXX XXXX file # XXXX for {$5700.00} beginning XX/XX/XXXX then placed on my credit report AGAIN! This caused my score to drop 57 XXXX XXXX XXXX points which is ludicrous!!! To my understanding, it is illegal for third party debt collectors to place anything on a credit report. XXXX ( Whatever that stands for ) has not sent any formal letters to my address identifying who they are, what this debt us, or given me ANY personal details about the debt other than an amount and name of creditor. They know NOTHING about me at all!!! They use to robo-dialing that hangs up when you answer so you can't event talk to them!!! These are such unprofessional and unwanted business practices! I don't owe this debt. Please assist, Thanks!
02/16/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	AR 720XX	Web	Servicemember
On XX/XX/2020, & XX/XX/2020 I sent letters to the CRAs disputing this account and their inaccuracies. In which they stated the dispute was resolved ( incorrect information was still reporting ) .On XX/XX/2020 I sent a letters the original creditor XXXX XXXX the CRAs, & to NCB Management asking for validation of the debt in which they submitted no proof of validation & inaccuracies were still being reported on my report after claiming they had been fixed ( not fixing the existing problem ). On XX/XX/2020 a letter from NCB Management stating they were unable to substantiate my allegations yet I have evidence on my report that contradicts that statement. Such as the dates being reported opened, the date of activity, the account status and more which are against FCRA regulations. This account is also in litigation due to deception and predatory lending practices of the original creditor XXXX. This account falls within the time frame of XXXX XXXX - XXXX XXXX in which XXXX settled and was found at fault.
08/26/2022	Yes	Debt collection I do not know	False statements or representation Impersonated attorney, law enforcement, or government official	TX XXXXX	Web
I keep getting fraud calls, but today, a company listed as NCB MGT Srv INC on my caller ID called 2 times. Please see attached screenshots of the calls. I asked this person what the call was about and the female refused to answer what services they provide, refused to tell me her name, & refused to provide a web address, and asked to put me on hold, so I hung up. I XXXX searched NCB MGT Srv INC and found a web address as XXXX XXXX XXXX & called customer service # XXXX & spoke with XXXX on a recorded line as it is introduced as being a recorded line. I asked if she had my phone number in her files & what the company was about, I provided my current phone # and was advised I have no files that pulled up. Advised XXXX I would file a consumer complaint, as I received calls that introduces their company name. Please see attached photos of the phone numbers of the companies. Not sure if the caller from # XXXX is impersonating a lawyer, etc as this person did not want to identify herself. Thank you.
01/04/2021	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt is not yours	LA 701XX	Web
I have a debt showing on my credit report for a company i have never heard of NCB Management Services. On my credit profile it shows they are trying to collect a debt that they say i owe or owed to XXXX XXXX XXXX. XXXX was found by a Coalition of 34 State Attorney Generals to have violated consumer protection laws in auto loans with a high probability of default. i have never heard of this company ( NCB ) and they are trying to collect a debt from me from a fraudulous other company XXXX XXXX XXXX. This is fraud and i would like this removed from my credit report immediately. XX/XX/XXXX a settlement was announced as a result of this investigation into XXXX where XXXX exposed borrowers to unnecessarily high levels of risk. NCB is trying to collect a debt from me and i would like them to be removed from my credit report immediately. also my state attorney is apart of the investigation into XXXX. all of this is fraud and preventing me from purchasing a home for my family. terrible just terrible
07/18/2017	Yes	Debt collection Auto debt	False statements or representation Attempted to collect wrong amount	NC 27610	Web
About a month ago I submitted a dispute to credit bureaus regarding the amount of the auto loan posted from NCB Management. The amount was aroun d 10,000. NCB sent back original paperwork but left out all auct ion paperwork. According to law, I am still liable for the remaining amount. I have requested a hard copy of this receipt and I have been told they may not have it. They have a typed up transaction list but nothing at all about the sale of the vehicle to the auction about how much it sold for. The car was originally around 20,000. They said they have sold it for around 10,000. And now I owe the remaining amount. How do I know that they did n't sell it for more or less? I need a a valid receipt of the amount from the auction to verify what I have left to pay. As indicated my wife spoke with the m on XX/XX/XXXX and they said they would get back with her in a couple of days. Meaning they have no proof of how much I owe and they are reporting it on my credit report negatively.
05/16/2022	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	GA 310XX	Web
XXXX XXXX XXXX XXXX charged off my auto loan after they told me that I could voluntarily surrender my automobile in 2015 and I wouldn't owe anything but the three months late payments. They have continued to harass me about paying the outstanding loan of the car after several years of disputes about the amount being incorrect. I did pay a company a XXXX dollars toward the outstanding amount for the three months of late payments but now, this new company NCB Management was sold my file and it seems illegal that XXXX XXXX XXXX charged off my debt and received compensation by way of taxes, and now, according to the fair credit reporting act are required to drop this from my credit report. I also noted that NCB Management Services sent me their notification from an address associated with an address as part of an FTC lawsuit XXXX. The address on the mailer is XXXX XXXX XXXX XXXX NY and I suspect they are trying to illegally apprehend money from me that they are not entitled to receive.
05/14/2020	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	FL 339XX	Web	Servicemember
I never received any paperwork that gave me any information to properly dispute or accept this said account within 30 days. This account is also reporting very inaccurately on all three of my credit reports. Each Bureau are listing something different. I sent a debt validation on XX/XX/2020 to NCB and haven't received any paperwork to prove that this account is accurate and belongs to me. I also submitted a dispute to XXXX on XX/XX/2020 to see if they could verify and maybe help me resolve this. On XX/XX/2020, XXXX results were " updated ' and the report number is XXXX. How are you able to validate with the credit company but not with the accused account holder?? This account is not only hindering me from purchasing a home, but it is also hindering me from other opportunities and is a violation of my rights. As I was browsing through their website to find out a little more about the company, I noticed the only license listed on their page is from South Carolina ONLY.
04/16/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	MI 48203	Web
I filed a bankruptcy chapter XXXX that was discharged onXX/XX/XXXX. I checked my credit report and all was fine except NCB Management a debt collector for 12 XXXX XXXX XXXX XXXX. Has my account as bankrupt however they still have it listed as open. I called before the discharge and asked the gentlemen why it was still listed as open, he advised me that he would correct it immediately. I filed a complaint with XXXX and XXXX so far I haven't heard back from them, however I decided to call NCB again and the collection agent advised me that they did have it as bankrupt however they by law code 93 of the fair credit reporting law had to keep it open. According to my credit report they last reported this account open on XX/XX/XXXX. I realize that if the account is closed and has been closed for almost two years it should say closed having it a bankrupt is not enough. NCB Management Services XXXX XXXX XXXX XXXX PA XXXX their phone number is XXXX The account number is XXXX
07/03/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	LA 70726	Web
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
10/20/2021	Yes	Debt collection Auto debt	False statements or representation Attempted to collect wrong amount	KY 40219	Web
I am contacting NCB in regards to proper resell of vehicle again. I have now received and reviewed what you have mailed, however, I see inaccurate and invalid dates. The dollar amount of {$16000.00} you are reporting to all 3 bureaus is not the deficiency balance. NCB has not outlined their calculation and is the wrong dollar amount. At this point I believe there was not a proper resell of the vehicle as it is not properly outlined or how it was determined. Is this why XXXX XXXX, whom you outsourced to, submitted the file back to you a week after questioning the account? Not only am I skeptical, but Im also disgruntled. Not to mention how aggressive and helpless the representative/manager made me feel when I called in and mentioned disputing the file. I demand that NCB remove the report from all 3 credit reporting agencies ( XXXX, XXXX, XXXX ) as this has harmed my credit and is considered a violation of the FDCPA and FCRA. Please do not contact me anymore either.
12/20/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	NH 03102	Web
I have tried to explain during that period I was both mentally and physically XXXX XXXX XXXX XXXXXXXX to where the United States government felt that I was not capable of handling my own affairs and ordered XXXX representative. During that time the car dealership was given all of the financial information including the the awards letter, and the bank statements that 100 % said I was not in charge of my financial and still through dealership magic got me into a car XXXX just wondering that if XXXX XXXXXXXX is enough to have us acquitted of a crime or committed to a hospital against XXXX why isnt it enough to assist against the dealership that took advantage of that XXXX I have tried to fight and have spent countless hours on the phone getting absolutely nowhere ignored mysteriously disconnected and straight out told were hanging up on XXXX I can send documentation, but would like to do it through better secured email because it is information from Social Security
01/06/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Problem with personal statement of dispute	ME 048XX	Web
In XX/XX/XXXX, I received a copy of my credit report after being denied a line of credit. I noticed a collection account from NCB Management on my report that I was not aware of. I have never received any communication either by phone or mail regarding this account. Therefor, I sent this company a request for validation via certified mail on XX/XX/XXXX. USPS recorded that this certified letter request was received on XX/XX/XXXX. On XX/XX/XXXX, I received a letter from this company that did not fulfill my request of validating this debt that is on my credit report. The letter from NCB Management was also dated for XX/XX/XXXX however I did not receive it until XX/XX/XXXX. The letter stated that they conducted an investigation into my dispute but they were unable to substantiate my claims. This was not the request that I had made. I further looked into this debt collection company and learned that they are also not licensed to collect debt in my state, which is Maine.
08/28/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	GA 30265	Web
I requested on various disputes that the following companies make the following revisions to my report based on fraudulent date being reported. XXXX- reporting account status as Derogatory, despite the fact that this account was settled and paid as requested. NCB - reporting account status as Derogatory/Collections, despite the fact that this account is settled and paid as requested. XXXX- reporting account status as Collection/Chargeoff, despite the fact that this account is settled and paid as requested. XXXX XXXX XXXX - reporting payment status as Collection/Chargeoff, despite the fact that this account is settled and paid as requested. XXXX XXXX - reporting payment status as collection/chargeoff, and reporting account status as derogatory, despite the fact that this account is paid and settled as requested. XXXX XXXX - reporting account status and payment status as derogatory, despite the fact that this account is settled and paid as requested.
01/23/2017	Yes	Debt collection I do not know	Improper contact or sharing of info Talked to a third party about my debt	MT 598XX	Web
NCB Management Service called my husband on XXXX XXXX, 2017, about an alleged debt I owe and told my husband the name of the creditor, the amount of the debt, and last payment made to the alleged creditor. The debt collector also tried to get my husband to " take care '' of the debt. My husband asked if he was on the alleged debt, and he was told his is not. I called the number my husband gave me and instructed the debt collector not to contact my husband or any other third parties about the alleged debt. The representative claimed he could call whomever he wanted to discuss the alleged debt, then asked me to verify personal information. I refused, and told him I did not trust his tactics. He said he would transfer me to his supervisor. I waited on the line, but nobody ever came back on the line. The debt collector attempted to contact my husband again on XXXX XXXX, 2017. On the same day, I sent by email and certified mail a request for validation of the debt.
04/27/2016	Yes	Debt collection Credit card	Improper contact or sharing of info Contacted me after I asked not to	CA 902XX	Web
A XXXX XXXX of NCB Management Services is calling my private cell phone number in an attempt to reach a gentleman I work for as an XXXX XXXX. I have told him this is my PRIVATE cell phone and that I am not related to the gentleman he is looking for. He persists in calling 1-2 times per day ( I no longer answer my phone ). This is harassment AS WELL AS improper contact, especially after I have informed him there is no familial relationship and it 's the wrong number, as well as sharing of highly private information insofar as I now know a creditor is trying to collect money from the man I work for. I do not have the right to know this information, nor do I want to. His justification for calling the number is that it was put on the application, which I totally doubt, since its MY personal cell phone number not related to the business. I believe I got the cell number a long time after the account was opened so it 's impossible that number is on the application.
08/11/2017	Yes	Payday loan, title loan, or personal loan Personal line of credit	Problem when making payments	VA 22306	Web	Servicemember
Took out a line of credit with this online lender XXXX. Requested they close the account and let me pay it off over time ( interest rate was too high, could not afford it ). XXXX XXXX who works for NCB debt collection for this place called my husband 's, my son 's and my home phone which I did not provide them with any of these. She was told not to call these numbers and she lied and said I gave them to her. Not true, I would never do that. Last night she called the home phone which we NEVER use, except for emergencies and asked was this " XXXX XXXX '' I said yes and she said who she was. I was really upset she has my e-mail, cell phone, work phone and home address. I made arrangements to pay monthly but one payment was returned. They reported me to the credit agency and I feel these high interest rate online loans should not be legal anyway so why should they be able to report to the credit agency. They say they are XXXX XXXX but they are just loan sharks.
08/20/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	TX 77087	Web
On XX/XX/2020 I notified NCB Management Services Inc, that I never opened any account with this company. I was informed that they had received my dispute letter, my drivers license and my social and the police case number and that I would receive an affidavit in the mail. Well, I continue to call every 7-10 business days and each rep would claim the affidavit was in the mail. I never received the affidavit. On XX/XX/2020, I called again and the guy who answered the phone stated that he was reading from his computer accusing me of having this debt after I stated several times that my wallet was stolen and my identity was compromised. This company has chose to ignore all my law enforcement documents. This is not my account and it is causing a true hardship for me and my family. This company is saying I owe them {$7000.00}. I am a victim of fraud and identity theft and this company is trying to force me to pay for something I never took possession of.
03/06/2019	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	VA 22191	Web
Around XX/XX/XXXX I received a credit alert stating that a company by the name of NCB Management Sercives Inc. added a collection to my credit reports alleging I owe them {$1900.00}. To date XX/XX/XXXX this company has not notified me of this alleged debt and by not notifying me they have denied my legal right to dispute any debt within 30 days of notification from a debt collection agency - pursuant to 15 USC 1681 et al. This debt has been disputed with the credit report agencies multiple times and all they are doing is stating it has been verified, but yet this company has not provided me with ANY type of documentation or communication. This debt is to be removed from all three credit bureaus immediately and proper procedure and protocol followed. I have no reservations in litigating this ridiculous practice performed by NCB Management Sercives Inc. in a court of law where I will seek punitive and statuary damages to the fullest extend of the law.
09/14/2020	Yes	Debt collection Auto debt	Written notification about debt Didn't receive enough information to verify debt	GA 30318	Web
ON XX/XX/2020, I noticed a debt for {$10000.00} on my credit report for an auto loan. After disputing the debt online due to not being given properly dispute information, or validation info XXXX. After the debt was still verified by XXXX and listed again on my credit report the next month, I made initial contact with the creditor on XX/XX/2020 requesting to have the debt validated. I had not received an written contact info about the debtor how to dispute it. I did not receive a debt validation rights letter at any point in writing after the initial contact from NCB Management on XX/XX/XXXX or XX/XX/2020. Today is XX/XX/2020. The creditor has continued collection efforts during this entire period without properly following the FDCPA guidelines and it has adversely affected my credit recently. After suffering multiple violations of my FDCPA rights, this debt needs to be removed immediately. All of our calls and interactions were recorded.
04/14/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	RI 02860	Web
I am unaware of the above listed accounts. Please validate this information with the creditors and provide me with copies of any documentation associated with these accounts, bearing my signature. In the absence of any suchdocumentation bearing my signature, I formally request that this information be immediately deletedfrom the credit file you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Actsection 623 ( a ) ( 3 ), and I am keeping careful record of your actions. Failure to respond satisfactorily within 30 days of receipt of this certified letter will result in a smallclaims action against your company. I will be seeking {$5000.00} in damages for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act You will be required to appear in a court venue local to me, in order to formally defend yourself.
10/14/2023	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was paid	NJ 08109	Web	Older American
I want to file an irregularity complaint about a report to the credit bureau on a collection account from the company called XXXX XXXX XXXX. This contract between this company and the original owner XXXX XXXX started on XX/XX/XXXX, with account number : XXXX, on a XXXX brand car, model ; XXXX, XXXX XXXX. From that date, the vehicle was paid regularly for XXXX years but in XXXX XXXX XXXX XXXX, the place where she worked was closed and it was very difficult for her to get a job to be able to pay her obligations or commercial commitments and she began to fall behind with it and then came the Corona virus19 Pandemic, this does not justify the delay in your payments but this vehicle described above was recovered ( through XXXX cars ) by XXXX XXXX XXXX and we are sure it was sold to another client. The collection agency is NCB Management Service XXXX, file # XXXX. Our question is ; is this legal? XXXX XXXX and XXXX XXXX XXXX XXXX ( Co-signer )
10/30/2023	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was result of identity theft	WI 53208	Web
I declare under the penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the forgoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements to omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C 1621. This alleging that a person or a company without my authorization used my personal identifying information to apply for goods, services or money and was successful in creating some accounts. All is being investigated by the FTC. Police report and FTC report has been both filed and submitted NCB, and XXXX XXXX are breaking FCRA 605B ( 15 U.S.C. 1681c-2 ) by continuing to report debt on my consumer report that does not belong to me.
05/11/2017	Yes	Debt collection Auto debt	Written notification about debt Didn't receive notice of right to dispute	FL 33624	Web	Servicemember
In response to my first complaint ( XXXX ) NCB Management sent information to an address that does not belong to me, never has belong to me, and to which has been a disputed address on my credit reports. Whether mail was returned via the post office is not for me to find ou t, 1. Ho w would I know mail was sent if the address is not mine? If mail such as this was sent via certified mail with signature requested then we would n't be going through this right now. XXXX nor NCB Management s ent me validation of this debt or the notice it was going to be reported, nor did either of them send me the notice of sale after repossession until this complaint was filed t hen NCB sent n otification and documentation. This is against laws, and part of a repossession is to provide a date and time of sale in case the consumer would like to gain ownership of the car again and that 's was never received until after complaint through the CFPB.
08/09/2021	Yes	Debt collection Payday loan debt	Written notification about debt Didn't receive enough information to verify debt	OK XXXXX	Web
I have send a dispute letter to XXXX and XXXX stating the information being reported is inaccurate. A collection account reported by NCB Management is reporting inaccurate information and when I sent a letter on XX/XX/XXXX and XX/XX/XXXX asking them to validate the said collection account they send me a letter stating that they could not substantiate the allegation of my dispute. Please see attached the letters. My credit report still says the same thing. I also send a letter ( attached ) on XX/XX/XXXX letting them know they have Re-AGED my debt. That is a Major FCRA violation. This account is still on my credit report. The FCRA generally require a furnisher to conduct a reasonable investigation of a dispute submitted directly to a furnisher by a consumer concerning the accuracy of any information contained in a consumer report. Please have them remove this account from all three major bureaus and minor bureau too. Thanks in advance.
05/17/2018	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was paid	GA 30066	Web
XX/XX/2014 my XXXX was stolen at totaled. I have the police and incident report confirming. I had the car for 6 months, never late on a payment, but i knew nothing about gap insurance so i was stuck with the balance. I made arrangements and paid as agreed. I was promised and asked repeatidly about the collection being completely deleted from my report and was promised it would. I asked EVERY month i called in to make the payment so it would be recorded and on record. I stuck to my agreeement and paid a XXXX balance only for them to not delete. still showing as negative with a XXXX balance. our convos are recorded and ive tried to reach out to fix. i want the records pulled and ncb collection deleted as agreed or atleast shown as positive. it is killing my credit. THE LETTER THEY EMAILED DOES NOT MATCH OUR VERBAL AGREEMENT. I WANT RECORDS PLAYED. I SPOKE WITH XXXX XXXX, HES RUDE, WONT RETURN CALLS. IVE SENT 10 EMAILS- NOTHING IN RETURN.
09/21/2021	Yes	Debt collection Auto debt	Written notification about debt Didn't receive enough information to verify debt	AZ 85308	Web
I received an initial communications letter from XXXX XXXX XXXX XXXX on Monday XX/XX/2021 stating they are trying to collect a debt that I do NOT recognize. On XX/XX/2021, well within 30 days after receiving their letter, I sent them a letter to the stated correspondence address disputing the validity of the debt and requested validation of the debt. The letter was sent via USPS Certified Mail with Return Receipt and was signed for on XX/XX/2021. On XX/XX/2021 I sent them a follow-up letter notifying that they have failed to validate the referenced debt and that they are still reporting the account as valid in violation of the FDCPA. Again the letter was sent via USPS Certified Mail with Return Receipt and was signed for on XX/XX/2021. The collections account has been continuously reported and is still currently, credit report shows the account was updated XX/XX/2021, being reported on my credit reports as a valid collection account.
04/26/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CO 80120	Web
In 2014 I became a victim of Identity Theft. a family member stole my identity and bought a car. I found out a few years later and tried to call the dealership to find out more information only to find out they went out of business. I have never had this car, I have never bought it, only my name was used in the sale. XXXX XXXX sold this debt to NCB MANAGEMENT SERVICES who now is reporting me to all three credit bureaus XXXX, XXXX, XXXX. They claim I owe them {$4000.00}. I do not owew them a penny and will not pay them anything!. I do need the professionals behind me to help me in this fraudulent claim that NCB XXXX claims I owe. I have researched NCB only to find out they are a predator corporation that destroys peoples lives. I will not become their victim. This is my complaint I am a hard working person who is honest about everything. I need help desperately fighting this collections monster who preys on honest hard working people.
05/25/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	AR 72315	Web
XXXX is reporting the account with NCB MANAGEMENT SERVICES inaccurately on my report. Upon reviewing my credit report I did not recognize this account. I initially sent a request for all credit agencies including XXXX to validate the account, and send proof such as a copy of a signed agreement or any other documentation to validate the information being reported was indeed mine or correct. After the dispute I sent the agencies on XX/XX/XXXX this inaccurate account was deleted from my credit report on XX/XX/XXXX. On the report of XX/XX/XXXX XXXX reinserted this back to my credit report. I have disputed this again since then.. After 4 different attempts they have failed to provide me proof of this account. I have disputed this information four times on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, and have given them warning that if it could not be validated, to remove it from my report or i would be filing a formal complaint.
01/18/2018	Yes	Debt collection I do not know	Communication tactics You told them to stop contacting you, but they keep trying	VA XXXXX	Web
I repeatedly receive robocalls leaving a message from NCB Management Services, XXXX, attempting to collect a debt for XXXX XXXX XXXX ( sic ). I have no idea who this person is and have owned this phone number for over a decade. I have talked with several representatives of the company and each time they say they will remove my phone number but I receive a call the next day. Not only is this an erroneous number but I believe they are violating the Fair Debt Collections Act in several ways. They are leaving a voice message that says they are a debt collector attempting to collect. My understanding is that is illegal as others could hear the information. Further if you listen to the message hoping to get a person to remove you, it states that by continuing to listen you affirm that you are XXXX XXXX XXXX. I believe that is also a violation. I have made multiple attempts to the company to stop this continued harassment with no success.
09/17/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	SC 29646	Web
I entered into a lease agreement with XXXX by way of XXXX on XX/XX/XXXX, of which I fell into default on, and my vehicle was repossessed. This made me an eligible consumer of the XXXX class action lawsuit in XXXX of XXXX. I received a restitution settlement for {$260.00} XX/XX/XXXX via XXXX, however, the vehicle is still showing twice on my credit report ; once as a charge off of {$8800.00} and another time through a XXXX party collections agency that XXXX sold the account to called NCB Management. The charge off for XXXX is not set to be removed until XX/XX/XXXX and the account with NCB management, of which I did not sign a contract with, will remain until XX/XX/XXXX. I received restitution from the lawsuit and have disputed this with both XXXX and NCB Management numerous times and it's gone unchanged. These negative items have caused me to be declined for pre-qualification for a home loan and also a loan with my credit union.
12/19/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	MS 38637	Web
NCB Management Services continues to report inaccurate unverified information about me to XXXX XXXX & XXXX. I wrote the company, they received my letter XX/XX/20, and replied with a letter dated XX/XX/20. The letter stated that they were unable to substantiate the allegations in my dispute. I requested that they send me the Original Documents or Contract with my Signature on it verifying {$3500.00} reported debt with them. No requested supporting documents were included nor was original document/contract/substantiation referenced in the letter dated XX/XX/20. NCB not only continues to report unverified information to the 3 Credit Bureaus but they also report monthly late payments. ( Please note that I made 4 disputes XX/XX/20, XX/XX/20, XX/XX/20, & XX/XX/20 with the 3 Credit Bureaus all resulting in Dispute resolved ; reported by grantor remarks, no changes made, no deletes/no removal, and no supporting documentation received )
04/30/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	ID 83605	Web	Older American
I was part of the identity theft from XXXX back around XXXX, I've spent a lot of time clearing things up but had trouble with one company called XXXX. I contacted them by phone and letters requesting all information on the account ie ; when was it opened, name address etc ; informing them that I don't beleive that this was my account. I waited 30 days then contacted them by phone and mail and did so for the next 4 months when I finally got the answer that they couldn't be bothered with it, It disappeared off of my credit report. Now come XXXX and I start getting calls and letters from a company calles NCB Management trying to collect on this debt, I informed the company by phone and mail that they bought a fraudulant account but they keep pressing me. The information I have on the company is what I got off of my credit report. NCB Management, XXXX XXXX XXXX, XXXX, PA, XXXX ph # XXXX and the acct # is XXXX, this is all I have
09/08/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	NY XXXXX	Web
NCB Management Services ( " NCB '' ) continuously made robocalls with a prerecorded message of debt collection and for the receiving party to dial an extension. In this matter, I am the receiving party of the communication. I have demanded NCB representatives to ( 1 ) divulge all alleged debts, name of the creditor, the amount of the debt, documentations representing an existing debt ( 2 ) stop all telephonic communications to my home and cell phones ( 3 ) confirm the name, address, and other information of the debtor NCB alleges a debt is present. NCB representatives refused to provide any information as per my demands. Furthermore, their representatives demanded I divulge personally identifiable information such as name, address, and social security number which I refused. NCB refused to stop all communications even though they were told on multiple occasions to stop calling. The last call was on XXXX/XXXX/2016 at XXXX est.
03/10/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	PA 19026	Web
I recently checked my credit report and noticed to inaccurate accounts. Account under the name of NCB Management Services has been added to my credit report. I have never done any business with this company and I have asked them for evidence of when this account was opened. I did not receive anything and they have not given any details. The credit bureaus have investigated this account, it has been over 30 days, I did not receive anything. I see on my report that the account was added on XX/XX/XXXX. The amount reported on this account is XXXX. Account under name XXXX XXXX XXXX was added to my credit report. The balance reported is XXXX. The date for this account says it was XX/XX/XXXX. I have called them directly and asked evidence of how this account was opened. I have not received anything, I also asked the credit bureaus to investigate this account. It has been over 30 days and they have not provided any evidence.
06/08/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	OH 44313	Web
In accordance with the Fair Credit Reporting Act NCB Management Acct # XXXX has violated my rights. 15 USC 1681 section 602A. states I have the right to privacy. 15 USC 1681 section 604A section 2 : it also states a consumer can reporting agency can not furnish an account without my written instructions This account is also reporting inaccurately on a number of data points. The account is reported as open which is illegal and inaccurate.as it is not an active account and is a collection. The account is also reporting as a charge-off but is allegedly a collection which is illegal and inaccurate. The account is also reporting ok payment history on XX/XX/XXXX then shows as a charge off as of XX/XX/XXXX which is illegal and inaccurate. I have also attached a letter. XXXX has deleted this from my credit report due to the multiple inaccuracies and illegal reporting and I expect XXXX and XXXX to follow the law as well.
10/21/2022	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive notice of right to dispute	TN 37013	Web
NCB Management Services, has violated the fair debt collection practice act 15 U.S. Code 1692g ( a ) ( 3 ) ( 4 ) Validation of debts. In their initial communication they did not provide a statement notifying me of my right to dispute this alleged debt. Their violation of the FDCPA has caused me grave injuries and damages, Per Frey v. Gangwish, 970 F.2d 1516 ( 6 '' Cir. 1992 ). The FDCPA is " an extraordinarily broad statute '' and must be enforced " as Congress has written it. This company NCB Management has harassed me about a dent in the amount of { {$1100.00} } I have asked them not to harass me call nor send me emails and they continue to do it they also said that my debt will continue to harm my credit until I pay them which I do not owe them. I have never get a loan or credit card from this company and I don't even know who they are or where they are located. Ive never have/had any contracts with NCB Management .
03/22/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	FL 33139	Web
I HAVE NEW and UPDATED information regarding the previously submitted claim. I have contacted CFPB previously regarding this company reporting negative information to my consumer credit report ( claim XXXX, XXXX, XXXX ) I have sent them a cease and desist, I have requested for validation of debt, and they keep sending the same information that does not validate this alleged debt. I have never contracted with them nor authorized this. I filed an FTC report, and yet they have closed the complaints and still reporting. I have contacted the XXXX regarding the same issue and NCB has responded that they have ceased all attempts at communicating with me, however, they still are reporting the negative information to the credit reporting agencies and a consumer credit report is a medium of communication. This company not only has committed identity theft but continues reporting negative information after a cease and desist.
10/03/2017	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	GA 30157	Web
A request for verification was sent to NCB Management Service onXX/XX/XXXXwhich was received on XX/XX/XXXX Although there was proof that my request had been received, 30 days have passed and I have yet to receive a response. I also contacted NCB Management Service via telephone at XXXX XXXX and spoke with NCB rep at which time I was told that no one could tell me why I had not received any of the documentation that was requested although they do show in their system that the request was received on the date stated above. On the XX/XX/XXXX day, I informed NCB Management Service via telephone that they were in violation of the Fair Credit Reporting Act by not providing me with verification or documentation verifying the account. Therefore, I requested that they stop negatively reporting to all three credit bureaus AND remove the account from each of my credit files. Per the norm, I received no response to my request.
08/02/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	VA XXXXX	Web	Older American
See attached and : Dear Rep, There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer : 1. XXXX - XX/XX/XXXX, XX/XX/XXXX XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXX. NCB Management XXXX 12 XXXXXXXX XXXX XXXX XXXX - XX/XX/XXXX You are required to do what I am asking and block/ delete these transactions from being reported to my consumer report within 4 days according to the law. Thank you.
06/25/2021	Yes	Debt collection Auto debt	False statements or representation Attempted to collect wrong amount	FL 32819	Web
I am disputing a collection account showing on my credit report from NCB Management Services , Inc in the amount of {$7000.00}, originally from XXXX XXXX XXXX XXXX, which I do not believe I owe this amount. I have disputed this account directly with NCB and the credit reporting agencies, and even hired a company to assist me with no result. They were informed of my dispute and that I was requesting a copy of the Explanation of Calculation of Surplus or deficiency as proof of the amount they claimed I owed, since I never got a copy from XXXX. NCB continues to report this account on my credit reports and this information is affecting my credit rating and ability to obtain credit, This situation have also created a lot of emotional stress. I am requesting your assistance in enforcing this company to comply with my request or delete their trade line from my credit reports. Thank you in advance for your assistance.
08/17/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Was not notified of investigation status or results	GA 30331	Web
I initiated a dispute with XXXX via BBB onXX/XX/XXXX and they told me that they are n't required to retain records to validate accounts they just call and confirm name, address, and SSN with the collection agencies. I informed them that if they do not have proper documentation to validate the account it needs to be deleted or if they do it needs to be sent to me. As ofXX/XX/XXXX I have yet to receive the requested info. I also initiated a dispute via their website HOWEVER as of XX/XX/XXXXthe account remains on my account which is clear that an improper investigation was completed. I disputed directly with the company as well on XX/XX/XXXX and as ofXX/XX/XXXX the company has YET to send me the requested proof of validation HOWEVER I 'm confused as to how XXXX " validated '' the account if me, the consumer, has yet to receive any documentation from the company nor XXXX. And it is obviously wayyyy beyond 30 days.
04/29/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 75214	Web
Account # XXXX NCB Management Services is not license to collect in the state of Texas therefore according to 15 U.S. Code 1692c - ( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except ( 1 ) to advise the consumer that the debt collectors further efforts are being terminated ; ( 2 ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor ; or ( 3 ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy. If such notice from the consumer is made by mail, notification shall be complete upon receipt.
06/23/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	MI 49504	Web
In accordance with the fair credit reporting act the reporting of the following have furnished reports has violated each of my rights : NCB Management Services account # XXXX, file # XXXX XXXX XXXX XXXX account # XXXX 15 U.S. Code 1681 602 ( a ) Accuracy and fairness of credit reporting ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 15 U.S. Code 1681b - Permissible purposes of consumer reports ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
02/17/2021	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	FL 33458	Web
NCB Management continues to try to collect on the debt and they refuse to provide the information i continue to request from. i have asked for this information below numerous times and they simple ignore my request and attempt to try and settle the debt. Collections agency must provide these : 1. What the balance they say owe is for with proof of payments up to that balance 2. Explain and show you how you calculated what you say I owe 3. Provide you with copies of any papers that show I agreed to pay what you say I owe 4. Provide a verification or copy of any judgment if applicable 5. Identify the original creditor 6. Prove the Statute of Limitations has not expired on this account 6. Show you the you are licensed to collect in my state 7. Provide you with your license numbers and Registered Agent or Agent of Service With that said I just want them to abide by the law or remove this from my report.
12/13/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	GA 303XX	Web
I've disputed alot of different errors on my credit reports including company XXXX XXXX which is still reporting late payments and I haven't been late. Also XXXX XXXX XXXX is still reporting wrong info to the credit bureaus and haven't provided me with any proof of their verification process on verifying the alleged debt and failed to remove items from my credit report. The investigation results remain the XXXX same and I'm tired of this, I'm tired of these creditors and credit bureaus not complying with the law. Also NCB has been reporting late payments on my XXXX report and that's illegal especially if I never made any type of agreement with them, I have proof. Another thing I wanted to bring up is that the company XXXX is reporting an account on my credit reports that they no longer own, and this account needs to be removed. I've attached my credit reports and dispute letters to this complaint.
05/27/2020	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was paid	FL 32246	Web
This debt is apart of class action suit against XXXX and another company has bought their paper at pennies on the dollar. I was sold a lemon from the dealership and XXXX didn't care about it. I was making my payments on time until I began having major problems with my car. They showed on my credit report that all but 1 payment was on time and have continued to harass me all these years since 2016. Here are a few suits in the process : https : XXXXXXXX XXXX https : XXXX Here is another lawsuit : https : XXXX Now this new company : NCB MANAGEMENT SERVICE is doing the same thing and has reported a debt that was original with Santander Consumer USA. I never received anything from NCB MANAGEMENT SERVICE regarding their purchase of the note at a discount. They are a Factoring Company that buys bad debt in bulk and harass consumers for full payment amount when debt has already been discharged.
03/31/2017	Yes	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	CT 06513	Web
NCB MANAGEMENT acct # XXXX XXXX XXXX, pa XXXX My name is XXXX i am complaining in reference to a violation of my FCRA and FCDPA i sent this company a debt validation for a balance they have on my credit report stating i owe {$7100.00} and they sent all information in reference to the loan and the actual price that was owed, which is only {$2500.00} they have violated the FCRA over a dozen times after i disputed it saying the item is verified and meets the fcra requirements for the {$7100.00} which the paperwork from their office states i only owe {$2500.00} i have tried to contact them in reference to my concerns of the account and them hurting my credit reports and making it difficult for me to get financing and rebuilding my credit and so forth i feel as if this issue should be removed off my reports for the simple fact they violated several laws and continue to violate my rights as a consumer.
05/04/2023	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was result of identity theft	NY 11233	Web
AS OF XX/XX/XXXX OF NOTICED FRUADULENT ACCOUNTS AND INQUIRIES ACCT NAME : NCB MANAGEMENT SERVICE Balance {$13000.00} Balance updated XXXX XXXX, XXXX Original balance {$13000.00} Account info Account number XXXX Date opened XX/XX/XXXX Account type Debt Buyer Status Collection account. Status updated XX/XX/XXXX Contact info Name NCB MANAGEMENT SERVICE Address XXXX XXXX XXXX XXXX, PA XXXX Phone number ( XXXX ) XXXX THIS ACCOUNT DATE OPENED/DATE CLOSED/BALANCE/LAST PAYMENT IS IN ACCURATE THE ACCOUNT NUMBERS ARE INCOMPLETE THIS IS GROUNDS FOR REMOVAL. 15 U.S. CODE 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from alleged identity theft.not later than 4 business days after the receipt. ACCORDING TO THE " FAIR CARES ACT '' YOU ARE VIOLATING MY RIGHTS AS A PROTECTED FEDERAL CONSUMER
12/07/2022	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	AR 721XX	Web
NCB Management claimed they sent an email to XXXX on XXXX XXXX. After carefully checking my spam folder and inbox I only show two emails from NCB Management. This is a Request for NCB Management to provide proof of the initial email notifying me of this alleged debt on XX/XX/2022, and a copy of the purchase agreement. The emails I have from NCB Management I will include as an attachment are dated XXXX and XXXX. NCB Management reported this fraud-related account to my credit report on XXXX not providing me 30 days under the FDCPA 15 USC 1692g ( 3 ) to dispute the alleged debt. Also, NCB Management is violating 15 USC 1692e by using deceptive tactics by accusing me of e-signing documents and receiving money without showing proof. If NCB Management doesn't provide the requested information, then should cease collection and remove this account from credit report or face litigation and penalties.
07/11/2022	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 77088	Web
I requested debt validation on XX/XX/2022 and received delivery confirmation XX/XX/2022. As of XX/XX/2022, I have not received validation of the alleged debt. I have no knowledge of a contract with the company trying to collect. According to 15 USC 1692g 5 ( b ) ( also known as FDCPA 809 ) : ( b ) If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector.
10/24/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	SC 29414	Web
I have tried to resolve this issue with the company. This company has responded to complaints with further allegations and continue to damage my credit identity by reporting a fraudulent account. According to the Fair Credit Report Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify- through the physical verification of the original signed consumer contract all accounts you post on a credit report. I have yet to seeVerifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts. This company has stolen my personal information, which is identity theft and I demand resolution.
08/16/2018	Yes	Debt collection Other debt	Communication tactics You told them to stop contacting you, but they keep trying	TX 76021	Web
I have been contacted by NCB Management services in regards to a debt owed at work and on my personal line going back to the beginning of XXXX. I have phone recording of all the phone call I have received at my place of employment where I have stated ; 'This is a business line, you can not call here ', more that 10 times, along with an associate of mine who has answered some of the calls. I am still receiving these phone calls at work. The representative who has been contacting me is not interested in when or where they are allowed to call, nor, it seems, the rules they must go by to legally collect a debt. Whenever I explain that this is a business line and that it is 'not okay ' to continue calling here, I just get talked over and then receive more calls. I am filling this complaint because I am now in a difficult position with my place of employment regarding these continued phone calls.
07/19/2019	Yes	Debt collection Auto debt	Communication tactics Frequent or repeated calls	CT 06514	Web
on Friday XX/XX/2019 THEY CALLED AN ALT NUMBER AND LET THE PERSON KNOW THEY NEEDED TO CONTACT ME ABOUT A DEBT, THEY GAVE THE PERSON INFORMATION ABOUT THE CAR AND THE SETTLEMENT AMOUNT THEY WANTED TO MAKE WITH ME, I DID CALL THE COMPANY BACK ONCE THE PERSON TOLD ME ABOUT THE PHONE CALL AND SPOKE TO REPRESENTATIVE AND TOLD HIM ABOUT WHAT HAPPENED AND HE LET ME SPEAK TO THE SUPERVISOR, I TOLD THE SUPERVISOR ABOUT CONVERSATION AND HE SAID HE COULD PULL CALL BECAUSE CALLS ARE MONITORED, BUT THEN HE SAID PERSON WAS DESK AND PUT ME HOLD AND SPOKE TO THEM WHEN HE CAME BACK HE DID SAY REP GAVE INFO TO PERSON THAT HANDLE CALL NOT REALIZING THAT WAS AGAINST THE LAW-I LET SUPERVISOR TO TAKE MY NAME AND ALL NUMBERS ATTACHED TO MY ACCT OF CALLING LIST-THE NAME OF THE COMPANY IS NCB-MANAGEMENT IN XXXX PA-XXXXPLEASE HELP ME IN THIS CASE THAT WILL NOT HAPPEN TO ANOTHER CONSUMER-XXXX XXXX SUPERVISOR NAME
01/02/2017	Yes	Payday loan	Payment to acct not credited	VA 22030	Web
I borrowed {$1500.00} from XXXX ( an online payday loan company ) and they deducted {$360.00} from my checking account ( account statements enclosed ). However, now another company called Management Services Incorporated has put the loan in collections on behalf of XXXX. for the full amount. They have not credited any of the money that I paid them and payday loans/lines of credit are illegal in Virginia. I did, however, write them a letter, forcing them to refrain from deducting the money from my checking account XX/XX/XXXX ( this has also been enclosed with this complaint ). They have also listed this as a debt that is in collections on my credit report, which is of course having a negative impact on my credit. I am not reneging on paying the loan back, I just know that since this is illegal, this needs to be removed from my credit reports on all XXXX bureaus immediately. Please advise.
01/03/2023	Yes	Payday loan, title loan, or personal loan Payday loan	Received a loan you didn't apply for	TN 381XX	Web
I reached out to NCB concerning two payday loans that appears to be fraud in my name. I have asked for the Original wet signed contract, Payment history, The debtor original name and date the loan was taking out. I have attached the documents that was sent back to me through the mail. This debt is tied to a bank account that is not mines according to the documents that was sent back to me. I had a bank account with XXXX that was my deceased father 's Estate account only no personal bank account for me at this bank. NCB Management stated I owe now XXXX and XXXX to them through this checking on account that is not mines. Please note that letters that were sent have no debt balances on them. The balances I listed is from my credit reports I pulled recently. NCB has also updated the collections on my credit report as 150 days passed due damaging my credit even more. Thank you,
12/10/2018	Yes	Debt collection Auto debt	Written notification about debt Didn't receive notice of right to dispute	MN 55448	Web	Servicemember
I made a poor choice in desperation and bought a car from XXXX in XX/XX/2011. Within the first week, the air conditioning went out in the vehicle and was going to cost me XXXX dollars to fix. A week after that I had a tire blow on the highway. Apparently there were wires showing that I did not notice when I purchased vehicle. By this time Im frustrated. Then when I decided to return the car something happened in the engine so I wasn't even able to return it. I called to have them come and get it. I was not aware that there is something called the " lemon '' law. I just knew I got a bad deal. I didn't realize this was on my credit score until I went to purchase my first home. Now its a problem. I don't recall getting any notices or phone calls. I am attempting to dispute this debt. Any help would be appreciated. It has been 7 years so I do not recall a lot of information. Thank you
01/11/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL 33137	Web
15 U.S. CODE 6801. PROTECTION OF NONPUBLIC PERSONAL INFORMATION.I have NEVER GAVE NCB XXXX XXXX EXPRESSED WRITEN PERMISSION TO COLLECT AND SHARE MY DATA, AND UNDER FALSE PRETENSES. DUE TO THE INFRINGEMENT AND BREACH OF MY RIGHT OT PRIVACY AND TO BE SAFE WITHIN MY PAPERS ACCORINDING TOTHE FOURTH AMENDMENT. THERE IS NO PERMISSIBLE PURPOSE PURSUANT TO 15 USC 1681, MY NON PUBLIC PERSONAL INFORMATION IS NOT TO BE SHARED BY XXXX ALSO AS A THRID PARTY AFFILIATE. ANY INFORMATION OBTAINED AND WITHOUT MY AUTHORIZATION MUST BE DELETED OR BLOCKED. THE OBLIGATION HAS BE RELIEVED. CEASE AND DESIST ALL MEANS OF COLLECTIONS OF A DEBT. THE SELLING OF MY DATA FROM NCB MANAGEMENT TO XXXX IS AGGREGATED ID THEFT OVERALL. ANY INFO REPORTING FROM NCB IS TO BLOCKED AND REMOVED PURSUANT TO FCRA, FDCPA AND FEDERAL LAW STATES HEREIN.15 U.S. Code 1681c2 - Block of information resulting from identity theft.
07/09/2019	Yes	Debt collection Auto debt	Written notification about debt Didn't receive enough information to verify debt	GA 30296	Web
on XX/XX/2019 I sent NCB MANAGEMENT SERVICES a Debt Validation letter they received it on XX/XX/2019 they didn't respond at all at first then I received a letter from XXXX XXXX XXXX claiming they are collecting the debt for ncb management and if I have any questions to contact them about the debt. but NCB management is still reporting the debt to the credit bureau 's on my credit report and they also have updated the credit bureau 's that the despute has been resolved but it has not been resolved. I have not been sent any validation of this debt and it has been over 30 days. I have not heard anything else from them on this matter but the debt is still showing on my report. they are breaking all the laws on debt and credit bureau reporting which states they should validate the debt when requested. I have included the letter I sent them and the letters I received back from them.
06/09/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	VA 23503	Web	Servicemember
I have 3 accounts in collections but they have been set to closed and according to CRA policy, unpaid collections must be deleted immediately upon closure. This company has failed to follow fair, credit reporting policies, and request cease and desist on further collection activities and to remove all reports from all credit bureaus. I filed a complaint yesterday before I realize that these accounts were set to closed. I know requested they just be removed permanently and to stop all unlawful activities. This company is harassing me unnecessarily by subjecting my personal credit to unlawful damage from failure to follow policies set by the CRA. This company also got my illegally and is still continuing to contact me through Mail and Phone to try to collect debt. Do not sell this debt that you have placed in my name without my consent to any other parties. Thank you so much
10/26/2018	Yes	Debt collection Payday loan debt	Written notification about debt Didn't receive notice of right to dispute	OH XXXXX	Web
I have sent numerous letters to the CEO or NCB Management regarding this issue asking for " validation '' meaning evidence bearing my signature, contractual obligations for this debt and claims of 120 past due. I have yet to receive anything from NCB. I sent a certified letter on XX/XX/18, XX/XX/18 and XX/XX/18. Each letter was signed for. I also sent a letter to the three credit bureaus XXXX XXXX, XXXX, and XXXX asking for the same information, they keep stating its been verified but haven't sent me the documentation requested showing how they verified, nothing bearing my signature or how they came up with the 120 days past due. The letters stated this had to be done withing 30 days or the negative tradeline must be removed from my credit report. They all have not done what was requested within the 30 days and have not removed the negative tradeline from my credit reports.
05/31/2017	Yes	Debt collection Auto debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	DE 19701	Web
I received collection notices from NCB s tating I owe them {$12000.00}. At the bottom of the letter it states they purchased the debt owed from XXXX . I had a vehicle repossessed by XXXX in VA in XXXX . NCB i s reporting the debt is a collection owed to them and was opened by me with them in XXXX XXXX . This is incorrect! I never opened an account with NCB in XXXX XXXX . I was living in Delaware in XXXX XXXX and not in Va. This incorrect report of an open outstanding collections of {$12000.00} is being reported negatively on my credit file. It was previously reported by XXXX as repossession on my credit file. This has negatively impacted my ability to sustain my credit standing and is preventing me from securing housing. I have disputed it with the credit bureau and with FTC. I just want them to correctly report it on my credit file as it was originally.
11/02/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 77026	Web
Hello, I am XXXX XXXX XXXX and the reason I am writing to you is complain on XXXX for their not of response and reporting. I have done everything and followed every step on removing false accounts that are reporting and still have not heard anything. It has passed the 30 days multiple times and at this point, and nothing has not been resolved. They keep reporting accounts that do not belong to me. I have mailed several certified letters, that are dated, that have everything listed in detail, that have everything required and they still done anything to remove them. I am very frustrated at the point and need to get these accounts removed as soon as possible. I will be listing some dates below that I have sent out to them : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP WHEN THEY RECEIVED THE LETTERS.
04/27/2017	Yes	Debt collection Auto debt	Written notification about debt Didn't receive enough information to verify debt	NC 27260	Web
I have been disputing this for over a year now. I have letters from XXXX of XXXX that was sent ask ing NCB management a nd XXXX XXXX to send me a payment history, which they refuse to send because the SOL in North Carolina have ran out and they are re-ageing the account to add a negative report on my credit report. XXXX has removed it because they would not verify the information. I 'm still disputing it with XXXX who refuse to send me the verification as well. I 'm giving bo th NCB management and XXXX XXXX 15 days to comply with my dispute or I 'm taking them to small claims court which they would have to provide what I 'm asking. a payment history. this is my final attempt to contact them. I will see them in court. THIS IS MY FINAL ATTEMPT. I have sent more certified letters again. still no response to what I 'm requesting. a payment history
01/12/2023	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was result of identity theft	CA 920XX	Web
NCB Management Services Inc has been harassing me for months attempting to collect an alleged debt that I do not owe to them. I have no written signed contract with this company or any contractual ties with this company. They have been mailing correspondences to my domicile attempting to collect an alleged debt, in addition to continually calling my phone multiple times a day at work. I have stated numerous times that I do not owe them for any alleged debt and that I do not even know how they received my information. I never gave any written consent to NCB Management Services Inc to have any of my information nor given them any written consent to furnish any information on my credit report. They have illegally obtained my personal information and are illegally attempting to collect an alleged debt. They have violated numerous of my federal consumer protection rights.
04/14/2021	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was result of identity theft	SC 29229	Web
Im writing you guys in regard of accounts being reported to my credit report that arent mines. I have sent in identity theft report to all 3 of the major bureaus and also wrote a letter to them explain my situation and asking them to removed the accounts or block them. I have been successful with removing accounts but theyre a few that hasnt been removed from two of the credit bureaus ( XXXX & XXXX ) The name of these accounts are NCB MANAGEMENT SERVICE, CXXXX XXXX, XXXX XXXX XXXX I have been dispute these accounts since XX/XX/2020. These accounts have been removed from my XXXX credit report. Also NCB MANAGEMENT SERVICE , & XXXX XXXX XXXX has been removed from XXXX. Also I have shown XXXX & XXXX the proof of these accounts being removed from XXXX. I have done my part and I need something to be done immediately. I have This is stopping me from closing on a home.
03/05/2021	Yes	Debt collection Auto debt	False statements or representation Indicated you were committing crime by not paying debt	TX 770XX	Web	Servicemember
XX/XX/XXXX I submitted an inquiry for debt validation of an account I did not recognize as valid on my credit reports. I received a letter post marked XX/XX/XXXX with copies of paperwork I do not recognize and a signature that is not my own. Within this documentation is no legal binding proof of identity which was explicitly requested. Furthermore the documentation provided references XXXX and not NCB Management Inc, in which I do not owe and have never owed. NCB continues to report and attempt to collect a debt that is not owed to them or by me at all. I've since disputed this reporting with XXXX, XXXX, and XXXX to no avail. This negative inaccurate reporting is hurting my credit worthiness and affecting my life. I am asking for a correct review of this file and that correct information and proof be provided and or reported which is my right as a consumer.
04/24/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	MS 39206	Web
I was informed by the credit bureaus that a collection was placed on my credit report. I had been informed by XXXX that my identity was stolen on the dark web. .And that accounts were open and paid on monthly basis in my name. Also a car was also purchased and paid in my name. Now this company has placed a collection on my credit for the amount of XXXXThis company has never called me or notified me in any type of way about this account. .I was informed by the credit bureaus that this collection had been placed. I have never had a loan with this company. I never signed any paper work with this company. The company name is NBC MANAGEMENT SERVICES, INC. I would like this company to show my wet ink signature which i no they cant because i never took out a loan with them. This is identity theft. Also an old address was used. I have never heard of this company.
06/23/2023	Yes	Debt collection Auto debt	Written notification about debt Didn't receive enough information to verify debt	IA 501XX	Web
Previously, disputed account because account reports inaccurate. First mistake that I notice is that account is reporting " account not disputed '' this is false because account has been disputed! Credit Report shows that XXXX creditor is reporting account as " Payment after charge off paid collection purchased by another lender '' This is not possible if account is reporting as paid why would account be sold to collection and report as open account status while in collection and being derogatory. Account is a mistake itself. I have not received any documentation verifying debt as mine and information reported on credit report being correct. More than 30 days have passed and no documents have come in the mail. I have attached copy of letter along with current and previous credit report to assist with request. This documents have been sent to you by mail.
06/06/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	NV 89121	Web
This company has attempted to call me during work hours to attempt a debt in which they obtained illegally. It is against the law to buy a person 's information and I also do not have a written contract with them. When I ask them to remove this report from the bureaus, they said " not gon na happen '' The original debt was actually paid off and they sold nothing but the interest of that debt. This turns into predatorial and then also releases me from the original contract. I did not reenter any written contract nor sign any paper work with this company. They are asking to pay them over 5k which wasn't even the balance of the original contract either. Further I did not give any permission for this company to report anything to any credit bureau. They have did this without my acknowledgement. They have not been able to verify anything of this said account.
07/22/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33313	Web
THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE STOLE MY PHOTO AND SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN THESE FRAUDULENT ACCOUNTS IN MY NAME I AM VICTIMOF FRAUD I am writing to request and initiate a formal complaint against XXXX, XXXX and XXXX CRA. On XX/XX/2021, I mailed XXXX, XXXX and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
07/10/2017	Yes	Debt collection I do not know	Communication tactics You told them to stop contacting you, but they keep trying	NM XXXXX	Web
2nd notice : Complaint number : XXXX On XXXX XXXX , I submitted a complaint to your website. I received a response fro m NCB Management Services. I a ppreciate your answer. You stated you have removed my number from your database. I received a call on XXXX / XXXX / 2017 at XXXX XXXX from NCB Management Services, again . The lady stated that her name is XXXX . I could not understand her last name. She stated that she was calling in reference to a XXXX XXXX XXXX , and for me to please call her, so she could help me take care of this. The number given was XXXX , extension XXXX . I do not have a loan with this company, and I have never heard of this company. NCB Management Services is not to call me, according to their answer from my XXXX / XXXX / 2017 complaint. XXXX Please, please, have this company to stop calling me.
02/17/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 92407	Web
According to the FDCPA, specifically 15 US Code 1692 ( c ) ; this is my formal declaration to terminate and cease all communication from you in regard to the debt you are attempting to collect. In response to the Ceasing Communication Notice, in accordance with the Federal Fair Debt Collections Act, you may only contact me to inform me that there will be no further collection efforts or to notify me that a specific action will take place. Please be advised that I am well aware of my rights and know that any further contact by you or your company, except a communication, confirming your acknowledgment of this letter, is in violation of the FDCPA. In addition, any third party that you use to coerce the collection of this debt shall also be in violation of federal law. If you do not cease communication a lawsuit will be commenced against you.
02/09/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	GA 30071	Web
I have sent several complaints to the credit bureaus on XXXX, XXXX, XXXX XXXX with XXXX and XXXX There is inaccurate information listed on my account with NCB Management systems. The company is stating that I XXXX XXXX dollars to them. I have never been extended credit from NCB. However, In XXXX I did have a car repossessed by XXXX XXXX The care was repossessed and sold at an auction for XXXX. Not only is the amount owed to XXXX not matching the amount that the car was repossessed for the debt is showing as if it is a new debt on my credit report with different amounts showing. I have call the company, I have called the credit bureaus and they have not been able to resolve this issue. They keep saying it is investigated. This is not the case. This debt is reporting like a new debt and NCB refuses to show me proof of what I owe. Please help!
05/23/2016	Yes	Debt collection Payday loan	Communication tactics Frequent or repeated calls	AL 366XX	Web	Servicemember
This company has called my house number, my work number and my cell phone on Saturday before XXXX XXXX and then called again on Sunday XXXX/XXXX/2016. I told them that I would n't discuss this matter over the phone until I receive notification in writing. They said they just purchased the account and are in process of mailing out the letter, but they want to handle this account as soon as possible, because it is time-sensitive. Then they said they would send me an email, to which my reply was " That 's fine, but I still need it in writing. '' The rep told me that snail mail is too slow and they would send it, but they really want to handle this situation as soon as possible. Also they told me that they reported this account on credit as a negative and they will remove it once I 've paid it off. I checked my credit and there is nothing there.
12/06/2017	Yes	Debt collection Payday loan debt	Threatened to contact someone or share information improperly Talked to a third-party about your debt	SC 29550	Web
NCB Mangement Services , Inc. has harassed me and my employer since XXXX calling after day four to five times a day. Calling my grown children on their cell phones and on XXXX XXXX, 2017 called one of my children at work and got him in trouble because he is not to have phone calls at work, he has told him number of times to quit calling him and in the phone call of XXXX XXXX, 2017 the person from NCB Management told him that he was a debt collector and was trying to collect a debt that I have. I have mailed them today a letter asking them to stop calling my employer, my children cell phones and call my children on their job sent it return receipt. They have my number and my address this debt does not belong to them they call them everyday and leave phone mails to the point of harassing them for something that does not involve my children
07/16/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30331	Web
Recently, I received a copy of my credit report and found several inquiries and accounts on my credit report that were not opened by me. I don't have any knowledge of these accounts being open. They were opened fraudulently. I understand that under federal law, ( the Fair Credit Reporting Act. ) unauthorized inquiries, and fraudulent accounts shall not be allowed to be placed on my file unless I have approved it.The presence of these fraudulent accounts and inquiries on my credit report constitutes inaccurate information, which must be removed under the Fair Credit Reporting Act. Respondent, please have the following inquiries removed from my credit file immediately because I did not authorize them, these creditors do not possess my signature, on any documentation, conveying my authorization to inquiry for a loan, or a line of credit.
10/18/2021	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was result of identity theft	DE 198XX	Web	Servicemember
I filed a Fraud Affidavit Police report for Identity theft with all three major creditors for XXXX inXX/XX/XXXX. A fraud alert was added to all three credit reports to also include a freeze. XXXX sold the loan to NCB Management Services ( XXXX XXXX XXXX XXXX PA XXXX contact number ( XXXX ) XXXX They are reporting on the behalf of XXXX derogatory payments. I also reached out to NCB Management Services and explained that a Police Report was already filed inXX/XX/XXXX and that I provided the report to all three major credit bureaus as well. I have notified both the Creditor and XXXX that I have been disputed this as Fraud provided police report in XX/XX/XXXX. The issue at hand is that XXXX keeps selling the fraudulent account to other Debt Collectors and I keep getting harass about the same Fraudently Activity since XX/XX/XXXX.
11/08/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	IL 60139	Web
NCB MANAGEMENT is reporting a collection account on my credit report from XXXX. This is a fraudulent account, I have never had an account with XXXX. XXXX has removed this account from all three of my credit reports, but NCB MANAGEMENT is still reporting this same account on my XXXX report. They originally blocked the account, but they have re-inserted this account. They never notified me that this account was being put back onto the report. I reached out to the collection agency requesting documentation on this account. Their paperwork was returned back to them because they tried mailing the documents to the fraudulent address that's connected to this account. That's another red flag, the personal information connected to this account is fraudulent. NCB Management still have not provided me any documentation regarding this account
07/15/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX XXXXX	Web
I have attempted several times to get this debt validated by this company and they still have not done it. My first attempt was XX/XX/2021 by certified letter. My second attempt was 30 days later. Per FCRA rules, if the debt isn't validated within 30 days, the company is supposed to delete the debt from my credit profile with all credit bureaus. The FCRA rules are NOT being followed, which is why I have filed complaints with the CFPB, FTC, and XXXX and at this point I am also well within my rights to contact an attorney. The company stated in my last complaint that they sent the info that I requested for validation ( full name, original contract, original signature, full date of birth, full social security number ) but I have NOT received that info. I do believe that was a tactic by the company in order to close out the complaint.
08/04/2021	Yes	Debt collection Auto debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	SC 290XX	Web
This company purchased an account from XXXX XXXX and sent me a letter for me to pay a debt. I filed a complaint against them already and they've admitted to doing it and by them sending me a letter stating that I owe a debt is a violation under the FDCPA and they violated other consumer laws in the letter. The company responded to the complaint saying that they disagree with my claim that they've violated any laws when it's clear evidence that they have. I am currently seeking legal advice on this matter because I sent an invoice to them for all of the violations and they didn't cooperate but did say they weren't going to continue to collect money but the damage to my character has been done through my consumer report. This negative account has prevented me from getting credit on my behalf and it feels like a form of oppression.
02/27/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	WI XXXXX	Web
I declare under penalty of penur ( under the laws of the XXXX XXXX, I execuled oulsict of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S. C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person of company - without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
04/15/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was paid	IN 47715	Web
I negotiated a pay off through XXXX XXXXXXXX with a debt collector XXXX XXXX XXXX on XX/XX/XXXX on my XXXX account ending in XXXX. The contract payments were paid in full on XX/XX/XXXX. On XX/XX/XXXX Management services Incorporated NCB sent a letter trying to collect after several attempts to verify it was paid on XX/XX/XXXX they received a fax with the payoff contract. Bank statements of payments and clear XXXX contract and a letter of explanation. I spoke with employee XXXX XXXX and was told they received and reviewed documents and would no longer try to collect on this debt. On XX/XX/XXXX over a year later I received a letter trying to collect on the debt again. I called on XX/XX/XXXX and was told I still owe the debt. Im tired of being harassed by a different debt collector for the same debt which has already been paid.
01/09/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 338XX	Web
I declare under penalty of perjury ( im in the law of the United States. if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge.Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful miss statements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C 1001. Additionally, these miss statements are punishable as perjury under 18 U.S.C 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company -without my authorization-Use my personal identifier information to apply for goods, services, or money, and was successful in creating some accounts.All is being investigated by the FTC.
12/12/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 77545	Web
I declare under penalty of perjury ( under the laws of the United States if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge Further I certify that I am permitted by federal and state law to file this dispute. I also understand that knowing and willful misstatements or omission of material facts constitutes a federal criminal violation punishable under 18 U.S. Code 1001 additionally these misstatements are punishable as perjury under 18 U.S. Code 1621. This collection found within my credit report are not related to any transaction that I made I Am alleging that a person or company without my authorization used my personal identifying information to apple for goods, services or money. and was successfully in creating some accounts. All being investigated by the FTC.
04/13/2023	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was result of identity theft	IL 60637	Web
Ive tried contacting XXXX and they told me to submit my documents and I did numerous of time. I truly believe XXXX has no respect for the CFPB they disregard my emails and my faxes, every time I call they tell me that they did not receive it, so maybe I have to fax it again, I told the Rep that I faxed it numerous of times, what's the hold up. she then put me on hold and came back XXXX minutes later, stating they received my Id but nothing else. Therefore she said call back and see if anything came in I called back XXXX hours later I got a different representative I stated my case, and she put me on hold for about XXXX minutes and came back and said that I did not have any faxes at all, so I said the other rep told me that they got my Id, now you're telling me that you don't see nothing, and she said no try back tomorrow.
06/02/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30101	Web	Servicemember
NCB management has sent me a letter stating my information has been compromised and leaked, my social security number and other information has been hacked, I am a victim of identity theft and my information is being used to open accounts, I want this resolved NCB management has now put me in a strain for leaking my information, I will except XXXX to cover for damages or I will turn this over to an attorney to settle this issue, im already talking with an attorney, but if NCB management wants to settle with me it will be XXXX plus taxes, I will file a ftc identity theft report, to report this serious issue, I have been experiencing excessive amounts of fraud from this, now since i know where my information has been compromised, now settle this matter or will sue for a lot more than XXXX plus taxes which 33 % thank you.
12/05/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NC 28214	Web
I declare under penalty of perjury ( under the laws of the United States. If executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. This collection found within my credit report are not related to any transaction that I made alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money, and successful in creating some accounts. All is being investigated by the FTC.
05/01/2017	Yes	Debt collection Auto debt	Written notification about debt Didn't receive enough information to verify debt	FL 33624	Web	Servicemember
NCB Management has been reporting a debt on my credit report. I have yet to receive one notice from them in regards to the debt at my address. This also means that I was not afforded the opportunity to dispute the debt prior to them reporting it my credit reports. I received a notice today XXXX / XXXX / XXXX that they received my dispute but there was no information to validate their letter. This is the first notice from the company to my address, never received phone calls in regards to the matter either. According to my credit report they are have been repeating the report to keep it fresh so that it starts the " credit clock '' over which i 'm sure is also illegal. Not to mention I got a notification within the last day or so that a " NEW '' debt was reporting to my credit and once again I was n't notified.
06/02/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	MD 21215	Web
I had an auto loan via XXXX my car was totaled in XXXX of XXXX I wasnt at fault so other parties insurance paid me my vehicle was a total loss. As of XX/XX/XXXX the payout amount was {$18000.00}. XXXX XXXX paid a settlement amount of {$13000.00} leaving a balance of {$5000.00} according to certified letter. Gap insurance paid {$2600.00} leaving a total of {$2300.00}. I received a warranty refund of {$2100.00} leaving a balance of {$210.00}. I received a maintenance refund of {$1900.00}. I should of received a refund of {$1700.00}. Not only did XXXX keep my refund they incorrectly reported my account to the 3 credit bureaus they also sold my account to NCB Management Services and they have a collections account for {$1900.00} which is the amount of my maintenance refund and NCB refuses to remove inaccurate account
07/27/2021	Yes	Debt collection Payday loan debt	Written notification about debt Didn't receive enough information to verify debt	OK XXXXX	Web
have send a dispute letter to XXXX and XXXX stating the information being reported is inaccurate. A collection account reported by XXXX XXXX, NCB Managment and XXXX XXXX is reporting a past due on my credit report. I sent 3 letters, On on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX to both bureaus stating that a the date of last active on all three account were different, my collection account was reporting a past due balance, and XXXX XXXX is reporting twice on my credit file for the account. And my credit report still says the same thing.The FCRA and Regulation V generally require a furnisher to conduct a reasonable investigation of a dispute submitted directly to a furnisher by a consumer concerning the accuracy of any information contained in a consumer report. Please look into this for me. thanks in advance.
05/15/2023	Yes	Debt collection Auto debt	Communication tactics Frequent or repeated calls	PA 19002	Web
This company began calling me to collect a debt. At first, they were calling me before XXXX, as well as later in the night every single day. The call woke me up early before work, and I answered and told them to not call my phone before XXXX as I work at XXXX everyday and it is disturbing my ability to work by waking me up almost an hour before my shift. I work from home and have to be up later to get things situated for my family for the next day. After this, they began calling me up to 3x everyday between XXXX. It's now gotten to the point where my entire voicemail box is being 100 % filled every week because of the amount of times they are calling me. This is teetering on the point of harassment, and they are not abiding by the Fair Debt Collection Act. I can provide picture proof of the calls, if needed.
08/07/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	AR 72076	Web
I've recently been in contact via mail with all three of the major consumer reporting agencies regarding fraudulent established accounts reporting on my credit file. Currently a company by the name of NCB Management is reporting a fraudulent auto loan on my XXXX and XXXX credit report after being notified from the bureaus of the most recent status. In addition the open date reporting is totally inaccurate and doesn't match the open date of the original fraudulent account reporting on my credit file. These inaccuracies are grounds for immediate removal and violates both the Fair Credit Reporting and Fair Debt Collection Practice Act. I have previously been denied credit due to these inaccurate accounts reporting and find this being totally unacceptable due to the length of time this issue has been going on.
01/24/2018	Yes	Debt collection Auto debt	Written notification about debt Didn't receive enough information to verify debt	FL 33176	Web
On XXXX/XXXX/XXXX I contacted NCB Management Services and inquied about a debt that 's being reported on to my personal credit report. I spoke to a XXXX XXXX, XXXX ext : XXXX and supervisor by the name of XXXX XXXX. I requested that theyprovide me with proof of debt and a legal binding contract with NCB Management Services that I have signed. I explained that I have never signed anything document that gives them the right to report to my credit report. I even asked for them to prove that they are legally bonded in the State of Florida to collect debt. I was told that they are not required to provide such information. They stated that they will mail out a dispute letter. All these questions were left unanswered. They kept asking how do I plan to resolve the debt. They were not helpful at all and very evasive.
06/26/2022	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	FL XXXXX	Web
I sent out a validation letter to validate the information and there was nothing sent for me to validate. I was never given the initial investigation on this matter to even dispute it in the first place. I have nothing in writing to validate that this alleged debt belongs to me. In pursuant to UCC 3-302 I am requesting the original security signed by me providing you the right to collect on this account. Until you provide me this information you are to cease and desist all communication and collection activities including credit reporting and criminal activity with the postal system unless it is dealing with any request I have made. Also, XXXX out the balance to XXXX dollars leaving me with no responsibility for the alleged debt. If nothing is done within 15 days I will proceed with this matter further.
09/18/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Was not notified of investigation status or results	TN 37013	Web
XXXX : 6 addresses, 7 closed account and 2 Collections that need to be removed from my credit report. XXXX : 7 closed account that Need to be remove from my credit report. XXXX : 8 closed account, 2 collections, 1 address that need to be removed from my credit report. These credit bureaus are reporting inaccurate information into my report WITHOUT MY CONSENT AND that is causing me to get denied for everything that I apply for. Even for an apartment, Im going XXXX cause no one want to lend me anything. These negative items in my credit report is causing me my XXXX XXXX. Im stress and Im going to loose it if XXXX, XXXX and XXXX do not Delete the negative items on my credit report. I have disputed these negative items on my credit report EVERY SINGLE MONTHS to get them out and they still not being removed.
02/18/2023	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was paid	VA 23503	Web	Servicemember
I had my vehicle totaled XX/XX/2020 and my car insurance through XXXX paid off my balance immediately. I have attempted to dispute this and told them to remove it because it was paid off. They refused to remove it. Also, I was NOT given a chance to dispute this debt before it suddenly appeared on my credit reports. I have had zero contact with them and received zero notice validating this debt and had a chance to dispute it before they decided to violate my rights and ruin my credit. I dont even know what this amount is for!!! I do not owe this money and this company violated my rights and the law. The information and dates are unknown to me as well! The dispute is NOT resolved like they made a comment on the collection. This company didnt even provide me with a debt validation or proof after I disputed.
11/01/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	FL 33026	Web
I contacted NCB management back in XXXX to have this debt resolved and removed off my credit report. NCB management blocked calls from calling their call center for roughly 2 weeks. I still havent been provided with no answers to any of my questions. I asked them to remove this account off my credit report until they complete their investigation. This company is holding me hostage and I explain to them that I was in the process of buying a house. They dont care and they only want to do what they want to do. Its completely sad that this company is just holding me hostage like this. The document that I received from the original owner of the debt show that the application is not even 100 % complete. I have failed 2 police reports so fair and is willing to go farther to fail charges against NCB management.
09/15/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 773XX	Web
I have been disputing this account with the credit bureaus for sometime now. Each time they would say that NCB MANAGEMENT would verify the debt. So I took it upon myself to ask NCB MANAGEMENT for validation of the debt. Are they legally able to collect on the debt? How did they calculate the amount they claim I owe? How do they know I am the owner of the debt? Im curious because I have never done business with them or the original creditor. Well, it has been more than 30 days and I still have not received anything proving the debt is mine. They received my letter on XX/XX/XXXX. Here is the tracking XXXX XXXX XXXX XXXX XXXX. I was under the impression that if they didn't respond it would automatically deleted from my credit reports. Silence is being in agreeance. I am sure there is a law that proves it.
11/28/2018	Yes	Debt collection Auto debt	False statements or representation Attempted to collect wrong amount	NY 10310	Web
The collection - NCB Management Service , Inc have been reporting inaccurate information on my credit report. I made a request to have the information removed and they provided me information showing my signatures. However, this information is from the original creditor which is totally inaccurate in amounts and balance owed. They can not base the inaccuracy they are reporting from a file that was provided by the original creditor. The original purchase was made through XXXX in XX/XX/XXXX, then it was transferred to XXXX, and then serviced by XXXX. NCB Management Services is a best collector and does not have all the pertinent facts from XXXX to the time the vehicle was returned to the creditor in XXXX voluntarily, and this was not the arrangements made prior with the creditor in XXXX upon settlement.
03/22/2023	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt is not yours	AZ 85635	Web	Servicemember
In accordance with the Fair Credit Reporting act NCB Management Service Account # XXXX, has violated my rights. NCB Management Service Account # XXXX is not my account. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose No wet signature contract with the aforementioned organization NCB Management. NCB Management is a third party with no legal claim to debt charged off by XXXX. Original account XXXX with XXXX is Closed and Charged off which means the IRS has paid a tax benefit to XXXX making the debt null and void.
10/28/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX XXXXX	Web
Pursuant to Title 15 Chapter XXXX XXXX XXXX XXXX has committed individual actions against me beginning in 2018. They also involved a 3rd partly, NCB Management, who also violated Title 15 Chapter XXXX. Both companies have committed Criminal and Civil actions of willful non compliance and negligence. Both have infringed on my name that is protected by copyright laws and my right to privacy. I have sent both organizations Notice of Fault letters along with invoices itemizing each violation under Title 15 Chapter XXXX. Both refuse to uphold the law that relates to their individual actions and both have yet to settle this matter. Moreover, XXXX XXXX XXXX has only removed the account in question from 2 credit reporting agencies. They continue to defame my character and cause injury to me and my family.
03/31/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30135	Web
In XXXX, someone in XXXX stole my identity. At the time I resided in GA since XXXX and was working on assignment in Colorado. XXXX Bank contacted me and immediately I went in and we closed the account and opened a new one. In addition, there were other payday companies and creditors this person tried to hit. A letter was sent and all was resolved. 2 years later it was sold to a collection company, when they contacted me I explained what happened provided information and never heard from them again. This company XXXX seems to keep refreshing the date so that it will never fall off. It has been 9 years and if anything this should still not be reporting on my credit report, better yet it was identity theft and they keep updating to keep it on there. I have tried everything. Please help. Thank you
05/02/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	CA 94403	Web
1. This is the company involved- XXXX and XXXX XXXX ( XXXX Credit Report ), for {$2000.00} open balance debt opened on XX/XX/XXXX, and I am not aware of this. They put the report under collections. Please delete. 2. NCB MANAGEMENT SERVICE ( XXXX ) - this is also reported as a collection on XX/XX/XXXX, with zero open balance. Please delete the report. 3. In accordance with the fair credit reporting act, these companies mentioned above have violated my rights. 4. 15 USC 1681 Section 602 states I have the right to privacy 5. 15 USC 1681 Section 604 A Section 2 states, a consumer reporting agency can not furnish an account without my written instructions 6. 15 USC 1666B - a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose
02/13/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	PA 175XX	Web
i have send multiple challenge letters to verify and validate the 100 % accuracy of the reporting of this account. They have never sent me a wet signature copy of the contract ... they never send me all of the documents that by law are required during a repossession process. they never send me the letter that i have the option to buy back the car per example ... this is a clear violation of my rights..XXXX could not prove this debt was mine nor is it reporting 100 % accurately not 99 % or 80 % so they deleted it ... my understanding is that the other bureaus should follow suite as this is a violation of the law they are required to follow ... i am attaching a copy of my report ... look at the date of last active between XXXX and XXXX..this account has obviously been reaged another violation
08/04/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TN 381XX	Web
I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ... NCB ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
06/24/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	GA XXXXX	Web
I would like to add to an existing complaint. Complaint No. # : XXXX. NCB XXXX XXXX sent me a letter on XX/XX/2019 claiming they have conducted an investigation into my complaint stating that they can't substantiate the allegations brought against them specifically providing validation of my signature showing that I have some obligation to pay them a debt owed. They still have failed to provide any validation of my signature on any loan or debt obligation to NCB XXXX XXXX. I am requesting validation, made pursuant to the Fair Debt Collections Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note I am requesting validation, that is competent evidence bearing my signature, showing that I have or had some contractual obligation to pay you.
02/18/2018	Yes	Debt collection Payday loan debt	Took or threatened to take negative or legal action Threatened to arrest you or take you to jail if you do not pay	TX 77494	Web
On Monday, XX/XX/2018 a XXXX XXXX XXXX, call my cell phone as ask for my name and date of birth. I did confirm that i was the XXXX XXXX and knew about this debt. Did try to make arrangements with the XXXX about this issue but the officer notify me that he wasn't from XXXX XXXXXXXX XXXX and they are going to collect this debt and accuse me of opening this account in the false pretenses. Even threat me, that they were going prosecute me and take everything i owned. I at this point told him i am not going to respond to threats and please get off the phone which then told me all the personal stuff including verbally attacking me say if " if you can afford your car payment you will afford payment i offer you. So start paying up now. Which at that point i hung up to phone which he called again.
09/13/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	FL 32174	Web
XXXX continues to illegally report on my credit a debt that they are claiming. They keep changing the account closed dates, the account number, and the amount so they can continue to report it. They have also fabricated a payment in 2016 so the reporting period would start all over. I have disputed this account both with XXXX and with the credit bureaus. They then sold it to a reporting agency and had it reporting to my credit as 3 separate line items. I was able to dispute that due to the similarities. It was at that time that they added a false payment so that they could continue to report this as a bad debt on my credit reports. This debt is passed 7 years and due to their illegal reporting practices it continues to harm my personal credit files as though it is a brand new collection.
09/20/2022	Yes	Debt collection Auto debt	Communication tactics You told them to stop contacting you, but they keep trying	TX 78209	Web
The company NCB MANAGEMENT SERVICE has been harassing me with letters, phone calls, etc. with numbers that are from my area code to get me to answer. Each time it has been worse and worse with the debt collectors being rude and demanding to setup payment plans. On top of this their collection agency is not eligible to be collecting in my state! They dont even hold a license to debt collect in Texas and are illegally collecting debt as well. They have been reporting my debt to the credit bureaus as well. I have just recently been updated that they are reporting false information to my credit history and continue to report falsely via XXXX. Not only are they reporting as collection but DOUBLE reporting so it shows on my credit as debt I am not associated with or had a connection with.
01/03/2018	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt is not yours	TX 77581	Web
XXXX was deleted from my XXXX credit file. The collection account ncb management is the collection company who now owns the collection account for XXXX. If the original account was not valid neither is the collections account. Trying to collect on a non valid account violates my rights as a consumer. Please stop all attempts to collect on a non valid debt. This not only includes phone calls, letters, and emails, but also must be removed from all three credit files, XXXX, XXXX, and XXXX. This non valid debit has caused me to not be considered for jobs, I would like all three credit companies to please send update credit histories to every company that has requested my credit file for consideration of hire in the last 2 years, once these faulty items have been removed from my credit file.
06/09/2023	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened to arrest you or take you to jail if you do not pay	LA 70301	Web
Someone keeps calling all my family & friends, but never me from XXXX giving a case # claiming theyre a courier. First saying I had to take care of it before the court date, then saying theyd be picking me up, then that theyd take my sister in laws land. I did call & it said NCB Management when they answered. I gave case # & was hung up on. Another time I called & it said Legal Dept. & to leave a message. I didnt. A few days after the first few calls I did get a letter from NCB stating that my information had been compromised. Therefore I do believe its a scam. Its getting to be harassment because theyre calling so many people claiming they done a background check on me & found their name. Of course they get worried hearing theyll be picking me up tonight & that theyll lose their land.
12/11/2020	Yes	Debt collection Auto debt	Written notification about debt Didn't receive enough information to verify debt	AL 35613	Web
So let me make sure that I understand. Despite writing NCB on XX/XX/21 ; XXXX and XXXX ( and showing proof of delivery by fax ) it wasn't until I filed a CFPB complaint that they SELECTIVELY responded and denied ever having received any one of the previous 4 letters sent to them ... hmmm. My request was SPECIFIC and based on everything I've been able to research on XXXX requirements for lawful repossession. So today I sent them another letter - I WANT ALL OF THE DOCUMENTES REQUESTED - especially proof that I was properly notified of the intent to repo the vehicle because I don't recall ever receiving a USPS notification or signing for such a letter. Once again today 's letter has been faxed ( proof attached ) and I've also contacted XXXX since NCB sent documents with their letterhead.
04/03/2023	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	IA 50263	Web	Older American
I reviewed my Credit report and discovered an account in collections. I only found this because I received a notice from a different debt collector for the exact amount of money. as the debt on my credit report. I had previously disputed this with 2 of the Credit Bureaus and had not been informed of the results. I was not provided with verification of how this process was completed. or given any of the information related to the unknown debt other than the debt collectors name. I attempted to file a second dispute on-line and was not allowed to do so. If i don't get the needed results by filing this complaint I may have to file a complaint on the Credit Bureau for denying me the right to dispute and not following up on my request to send documentation of the investigation to me..
05/16/2017	Yes	Debt collection Auto debt	False statements or representation Attempted to collect wrong amount	MD 212XX	Web
I have contacted this company on several different occassions. This debt was already resolved. The car was sold at the auction and there was no remaining balance. I contacted XXXX to retrieve the pay out documentation and they told me they no longer handled the account. I then requested that XXXX furnish me with the documenation however, they refuse to. I reside in the state of Maryland and anytime a vehicle is repossessed and resold documentation is of the date of sale, location of sale, and amount of sale must be provided to me. Previously this information was sent and it had a balance of {$0.00} however now this account is in collection. The credit bureaus have updated this account as verified but no information or documentation to validate this account was provided to me.
03/07/2019	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	IL 60652	Web
On XX/XX/2019 a letter was sent to each credit bureau ( XXXX, XXXX and XXXX ) to validate an account on my report. That account was from NCB for account # ending in XXXX. NCB did not respond to bureaus providing requested validation. Instead they send a letter to me saying they can not give information to a 3rd party. This " 3rd party '' is the same XXXX party they continue to report to monthly saying I owe this debt but now they are saying they can't report to these companies to validate the debt. If they can not provide validation to the bureaus than I am requesting the account be deleted. It is the responsibility of each bureau to accurately report information according to FCRA. If this listings on my report can not be validated than I am requesting each bureau to delete it.
12/23/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	FL 34785	Web
I received a letter from a company called XXXX XXXX XXXX stating that I owed a debt of {$8800.00} to a company titled NCB Management services. This is the first time Im receiving any form of documentation from either of these companies. I responded back to both companies in writing for verification/validation in the form of written documentation to note some form of wet ink contract or purchase agreement or any reason why they would be contacting me about owing them money. Neither company has responded to my written request and I have only received a certified returned receipt from NCB Management. I am still waiting for written validation. I also sent a copy of the letter sent to XXXX XXXX XXXXs to NCB to ensure that each party had the ability to collaborate in this matter.
11/02/2022	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 75212	Web
On or about XX/XX/2022, I pulled my XXXX reports and discovered a negative reporting account on all three credit bureaus. The account with NCB Management Services is being reported as a collection account, and this is hurting my credit score. I have made numerous efforts to locate and contact this company for validation of this debt. I have requested proof of this account and any contract documents signed by me, and I have not received one response. I have requested the amount of the alleged debt, the full name and mailing address of the original creditor for this alleged debt, documentation showing that the company is licensed to collect debts in Texas. THIS IS HURTING ME AND MY ABILITY TO PURCHASE A HOME. This item needs to be immediately removed from all credit reporting.
03/14/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	AZ 85757	Web
I have sent 3 certified letters to this company, dating back to late XXXX, disputing this alleged account. I have asked them to provide competent evidence, bearing my signature, that I am contractually obligated to pay this alleged amount. I also have written correspondence from this company stating they are unable to verify the debt as mine and unable to produce any competent evidence, bearing my signature, that I am contractually obligated to pay this alleged account. Therefore, it is unverifiable information and per the FCRA and FDCPA, any information that is unverifiable should be removed or corrected. I do not recognize this account. All I asked is for this company to verify that this debt actually belongs to me and is my duty to pay- which they have failed to do.
06/14/2020	Yes	Debt collection Payday loan debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	SC 29642	Web	Servicemember
They called my work several times after being told no to do so. I work in XXXX XXXX XXXX, those phone calls are not allowed. I was told to not have them call again or else.They called relatives and friends to find out my location. I have elderly parents who get 2 to 3 calls a week from them.The amount owed is double the loan amount according to them. During a call to they suggested legal action was going to be taken, such as a court case with my local magistrate. They also left messages on voice mails stating that I was a debtor. I received several calls on Sunday, throughout the day, and from non business related numbers. I have disputed the debt with credit agencies and through their website. I have never gotten any accounting statement of the amount of the alleged debt.
08/10/2018	Yes	Debt collection Auto debt	False statements or representation Attempted to collect wrong amount	DE 19713	Web
I had a car loan with XXXX. The car was repossessed and subsequently re-sold to another individual. XXXX applied NONE of the funds from the resale to my balance and is now attempting to collect the full balance from me and apparently a balance on the same vehicle from someone else. I have been told that this company does this to virtually everyone..often selling the same car 5 or 6 times and then collecting full balances on each of them so that, in effect, they can collect {$40000.00} in balances on ONE $ XXXX vehicle. This is not only unethical, it is ILLEGAL and the CFPB needs to turn this into a national class action lawsuit. They have also now placed this debt with NCB Management which means they are also breaking federal law XXXX Account XXXX NCB Account ( same )
05/15/2023	Yes	Debt collection Auto debt	Written notification about debt Didn't receive enough information to verify debt	AZ 85710	Web
I XXXX XXXX XXXX enter into a collection contract with NCB, with XXXX XXXX. File number # XXXX. I paid the car off through NCB. NCB, never reported the agreement with the XXXX Credit bureaus. Now, on my credit report is showing Negative derogtory credit every month on my credit report. I called XXXX, he will not correct or accept my calls. I feel like NCB took my money and never told XXXX XXXX that I made the final payments to NCB Collection XXXX My credit score is tanking due to NCB. I called XXXX XXXX they seem to know nothing about NCB collection agency. XXXX XXXX still shows a balance of XXXX, as of XXXX XXXX plus, the account shows written off and closed. I been defrauded by XXXX XXXX and NCB collection agency. XXXX XXXX account number # XXXX. XXXX XXXX XXXX XXXX
01/16/2021	Yes	Debt collection Auto debt	Written notification about debt Didn't receive enough information to verify debt	TX 78413	Web
NCB This all started out with XXXX XXXX and the class action Settlement for predatory lending with multiple States earlier last year XXXX within this settlement, it states that XXXX agreed to relieve loans and help repair the credit individuals affected by their predatory landing practices. This was a auto loan placed between XX/XX/XXXX through XX/XX/XXXX On XXXX XXXX the debt was sold to NCB Management Services. In any normal situation, this wouldn't be a problem. But because of the Predatory lending settlement, this debt should have never been sold or transferred to any collection agency, or debt buyer. This is in direct violation of the terms of the settlement which is to " help repair the credit of individuals affected by their predatory lending practices. ''
02/05/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	MD 20748	Web	Servicemember
NCB Management Services has been reporting an collections account on my credit report with all three bureaus. I've never had an account with this company and requested debt validation via certified mail in the form of an original signed contract between myself and the company. The company was not able to provide said document and I submitted the letter, copy of the certified mail receipt, and the contract that they sent back to me ( between myself and another company ) to the bureaus via disputes. Despite the fact that I've shown proof that I've never had a contract or done business with this company, the bureaus will not remove the account and the company continues to send the bureaus lies. NCB Management Services is NOT XXXX XXXX XXXX XXXX XXXX or XXXX XXXX.
10/07/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	TX 77346	Web
This company shared my account with a third-party collection company ( NCB ) before notifying me via mail of the account. They also have failed to validate this account being mine from me disputing this account since last year. They were reporting the debt as XXXX in XXXX and sold it to NCB and now NCB is reporting XXXX which means someone is lying about this account and no one has validated the account with proof of these amounts nor documentation that the account is even mine. I have also filed an FTC report and Police Report last year due to being a victim of identity theft but XXXX disregarded disputes and continues to verify this account with the bureaus. ( I have attached XXXX reporting of the XXXX from XXXX and NCB XXXX & FTC report filed last year. )
05/20/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 90018	Web
I Have been a victim I have had someone use my identity with different names, addresses and information. I need this to be investigated and fix immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
06/21/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Improper use of your report Reporting company used your report improperly	VA 22903	Web
XXXX accordance with the Fair Credit Reporting XXXX Account # 's NCB Management Services Acct # XXXX XXXX has violated my rights. 15 U.S.C.1681 section 602 A.States that I have the right to privacy. 15 U.S.C. 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish an account with out my written instructions. 15 U.S.C. 1681c ( a ) ( 5 ) States any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681s-2 ( a ) ( 1 ) 15 U.S.C. 1692C Without the prior consent of a consumer giving directly to the debt collector or express of a court of competent jurisdiction a debt collector may not communicate with a consumer in connection with
05/09/2020	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	NM 87112	Web
Good evening, I have provided a dispute under the Fair Credit Reporting Act towards the amentioned originator of the previous debt owed and was granted to have the report dismissed from record. However, another company has bought the debt previously as well, which appears both companies were reporting negatively. My issue is if the originator tends to dismiss the debt and clears my name therefore I feel the second company should clear my name as well since the debt is no longer owed as it has been removed from the credit report. It appears this would fall under double jeopardy on this case. I respectfully request to look into this matter and possibly take appropriate course of action regarding over this matter. Thank you for your time and attention.
09/29/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30097	Web
on XX/XX/2020 I placed a call to NCB Management to discuss a notification received by mail. The call was transferred to supervisor, XXXX XXXX. I requested details of the bill. She indicated this item was an online transaction and provided details. I requested proof of documentation be mailed to my address on file. Additionally, I advised I was disputing this debt. She advised if it is fraud then I should have filed a police report. I would like this investigated for Fraud and any proof and applicable documents be mailed to our home address. I have no business relationship with NCB and do not owe NCB any money per any contractual obligations. The charges are fraudulent. Please remove this from my credit bureaus and communicate with me via mail only.
04/24/2017	Yes	Debt collection Auto debt	Written notification about debt Didn't receive enough information to verify debt	TN 37040	Web
XXXX XXXX , XXXX I filed a complaint with the BBB and CFPD agains t NCB Management services, Inc. I n their response to my complaint they stated they would send validation of the debt owed. They have not done so. All they have done was state they would send the required information. I am requesting the original contract, complete financial transaction history, and a copy of the letter they stated was sent in XXXX XXXX , XXXX . With out this information in a timely manne r. NCB Management serv ice is deliberately violating Fair Credit Reporting Ac t, 15 U.S.C & 1681. Under that act all unverified accounts must be deleted. Without validation of this debt and continue reporting to the XXXX credit bureaus, will result in me seeking damages.
12/21/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	FL 33165	Web
The company NCB MANAGEMENT SERVICES, reported to the three mayor credit Bureau, a fraudulent account opened under my name XXXX XX/XX/XXXX: Report Number : XXXX Date Generated : XX/XX/2020 ) and associated under my credit profile. I tried to deal with NCB MANAGEMENT SERVICES and with Credit Bureau like XX/XX/XXXX and XX/XX/XXXX but no one tried to help me. Every time that I tried to open a dispute withXX/XX/XXXX I got the following error : " You have previously disputed this item. We are not required to process a duplicative dispute. '' Now NCB MANAGEMENT SERVICES had associated the same account into my wife credit profile. My wife tried to get a new car and now she was unable due to the fraudulent account. Please I need your help. Thank you,
04/03/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	TX 77019	Web
In XXXX around XXXX, the pandemic began economic hardship so I checked on my loan to confirm it was done. XXXX confirmed no loan due and in good standing. Few months later XXXX contacted me about an outstanding balance and said if I only paid {$100.00} via phone they would waive balance. I asked if they were sure because account was cleared. I paid over phone. On XX/XX/XXXX I began receiving calls from a company named NCB and XXXX XXXX informed me that it had purchased debt from XXXX. I briefed him but had to let him go due to family deaths. A second call came but voice mail from NCB. Then XX/XX/XXXX XXXX XXXX of NCB Management Service called me about an alleged balance due of {$1700.00}. Informed her of facts and said I would complain to CFPB.
12/11/2018	Yes	Debt collection Payday loan debt	Communication tactics You told them to stop contacting you, but they keep trying	MD 21740	Web
I sent NCB management a validation letter on XX/XX/XXXX. I asked them to stop communication with me for 30 days. They agreed and sent me a letter telling me they would stop. They lied and started getting in touch with me XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. They have been using different Maryland numbers starting with ( XXXX ) XXXX, ( XXXX ) XXXX, and ( XXXX ) XXXX a least 5 times a day on those days. I have caller ID. They are located in PA and using MD numbers. I sent them a validation letter after I received a phone call from them but no letter about the debt, and they said they did and I asked for a receipt of delivery and they haven't given me one yet. I have receipt of delivery for the validation letter.
04/15/2023	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt is not yours	PA 15212	Web
I sent a certified letter to NCB Management Service requesting that you provide verification of debt on XX/XX/2023 delivered and accepted on XXXX XXXX @ XXXX. Requesting the following information : The name and address of the original creditor, the account number, and the amount owed. Verification that there is a valid basis for claiming I am required to pay the current amount owed. Details about the age and amount of the debt including a copy of the last billing statement from the original creditor ; a detailed explanation of any interest added or payments made since the last billing statement and if the are licensed to collet set in my state. I did receive any information they send me another letter on XXXX XXXX requesting payment.
03/26/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	CA 92225	Web
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
01/08/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Problem with personal statement of dispute	FL 33068	Web
on XXXX/XXXX/XXXX I filed a complaint on XXXX XXXX XXXX on NCB Management Services Inc in regards to them not being license in the state of florida to collect and they responded insisted that they are license in the state of florida, I rejected their respond and wrote back telling them that they are NOT license in the state of florida to collect and they responded back on XXXX/XXXX/XXXX insisting that they are license in the state Florida On Florida Ofiice of Financial Regulation website, XXXX XXXX is only license in the state of PA, License # XXXX. I have attached response that I receive from NCB Management from my complaint on BBB and I have also attached Proof showing that NCB is not license to collect in the state of Florida.
02/16/2023	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was result of identity theft	NY 114XX	Web
15. U.S.C 1681 Section 602 A. States I have the right to privacy. 15. U.S.C 1681 Section 604 A. Section 2. It also states a consumer reporting agency can not furnish a account without my written instructions. 15. U.S.C 1692 CXXXX Without the prior consent of the consumer given direct to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 1. ) NCB- Is reporting on my XXXX credit report that on XX/XX/XXXXXXXX there is a collection amount of {$13000.00} 2. ) XXXX XXXX XXXXXXXX XXXXXXXX XXXX- Is reporting on my XXXX credit report that as of XX/XX/XXXX there is a collection in the amount of {$5600.00}
03/13/2023	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt is not yours	MO 63801	Web
The auto loan was awarded to ex wife in the divorce decree in XXXX. In XXXX the company tried to collect from me. Several disputes have been placed showing court documents stating it is not my debt. The company is using XXXX, whom told me today that court declarations do not apply to them and they will not respond to any disputes to correct it. I was even given a email to them that is no longer monitored according to the automatic response it replied with, leading me to have to resend to the correct email. I have been attempting to correct the debt that is negatively impacting my credit several times since XXXX. It is preventing me from obtaining a mortgage loan and I have been advised by my loan officer to follow these steps.
12/31/2020	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	SC 294XX	Web
I contacted NCB Management, Via certified mail it was signed for on XXXX XXXX, I ask them to verify account, within 30 days, they never did, but they updated the account on my XXXX Credit Report on XX/XX/2020. When I spoke to a representative, I was told that I needed to contact the company. On XX/XX/2020. I received a letter stating that they couldn't substantiate my claim and asked my to send over any information, that may have to help them with this account. XX/XX/2020, they received a letter stating that they have 10 days to removed said account from my credit report. Haven't heard anything from them since than, But XXXX updated my dispute on last evening saying that the account was updated and not deleted. I need help ....
01/05/2023	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was result of identity theft	VA 23606	Web
NCB Management Services , Inc had obtain my personal information through identity theft. I never given this company any of my personal information including a social security number. According to the Privacy Act of 1974 which states : " The Privacy Act prohibits the disclosure of a record about an individual from a system of records absent the written consent of the individual, unless the disclosure is pursuant to one of twelve statutory exceptions. The Act also provides individuals with a means by which to seek access to and amendment of their records, and sets forth various agency record-keeping requirements. '' NCB and XXXX XXXX violate this act when my information was illegally obtained without my verbal or written consent.
10/07/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CA 90242	Web
{$1900.00} Ncb Management Services XXXX XXXX XXXX XXXX XXXX Due to inaccuracies in these credit reports, ( XXXX & XXXX ) i demand that the validation i hereby request be in the form of a verified statement by a person with original knowledge of the debt, who can testify that the debt was incurred legally. Please be advised that I am request competent evidence that I had some contractual obligation in relation to the tradeline. Within 30 days of this notice, either answer these demands or remove the associated negative tradeling notations from these credit reports. Continued unsubstantiated reporting of possible inaccuracies to third parties may provide a basis for formal complaint being filed pursuant to federal statute.
07/21/2023	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	FL 33810	Web
I have received multiple phone calls and text messages from Ncb Management Service claiming to collect on a debt that's in collections. I have checked all my credit reports and I show no accounts in collection or anything negative. They never say what the company is that they are collecting on just keep asking me to click on links in a text to sign into their portal. I will not click on any links due to possible scam. I also do not answer when they call. I have blocked every number they call on and they keep harassing me with different phone numbers. These are just the phone calls, no longer have the text messages XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
10/09/2019	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	MO 647XX	Web
XX/XX/XXXX, was original creditor was XXXX a day on my credit card in or around XX/XX/2017. to XXXX XXXX XXXX which i never had an acct. with. i disputed an they said i let someone use my card my wife said which i am not married an it was my girlfriend an she was trying to help m with canceling my credit card after i had suspected bogus charges on several mths before an i worked long hours.contacted local sheriff dept. an they said they never or eldom catch cause internet crime is so hard to trac. so i never reported the crime as i was so busy.know ncb debt collections management have taken over an it never was my debt '. an i had always paid my card in full til this debt an know is gon na be on credit an my credit is bad.
10/20/2015	Yes	Consumer Loan Vehicle loan	Taking out the loan or lease	GA 30058	Web
The 2015 XXXX XXXX truck under purchase from a XXXX, Texas dealership was returnedvoluntarily after contract for vehicle signatures were found to be forged to XXXX XXXX dealership financial group. Deal was extremely padded without my consent or authorization. Legal and binding signatures for myself and co-buyer were submitted tothe Office of Texas Attorney General for legitimate verification of my true and personal signature along with co-buyer. Harassing mail and phone calls for remaining after sale oftruck have come from NCB Management Services of XXXX, PA. They have become extremely belligerent in nature and disturbing. I am requesting immediate halt to their attempt to collect on a forged contract for vehicle purchase.
10/06/2022	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	VA 23112	Web
I have been receiving repeated calls ( 7-10x a day ) from this company. I asked them to stop calling but they continue to harass me. On XX/XX/XXXX, I received notification that there is a debt on my credit report. When I go to check the collection, it says that I opened an account in XXXX for over {$13000.00} and that there was recent activity in XXXX. I have never spoke to these people, nor have I received any opportunities to dispute this debt. I feel that my rights have been violated as I have not even been presented with documentation of when this debt was created and Im certain that I did not create new debt in XXXX outside of the purchase of my home. I am asking that this be deleted from all of my credit reports.
02/25/2021	Yes	Debt collection Auto debt	Written notification about debt Didn't receive enough information to verify debt	NJ 07728	Web
To whom it may concern, I have contacted you several times ; my first attempt being XX/XX/2020. I asked that you reinvestigate or delete disputes from my credit report. I have submitted a complaint where, you stated I was reaching out from a third party. This is to insure you that there is no third party submitting the complaint. I have yet to hear back from you, it has been longer than the thirty 30 day time frame. You have not complied with the law and responded to my initial letter on XX/XX/2020. I am demanding that the dispute is removed from my credit immediately, or I will unfortunately have to contact Federal Trade Commission about you lack to comply with consumer protection laws. Thank you in advance.
03/03/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	SC 29414	Web
On XX/XX/2020 I sent a 3rd party debt validation letter to NCB Management Services Incorporated requesting any contractual agreement between me and their agency and to this date no proof of validation has been submitted to me as demanded. I have never done any business with this agency nor do I wish to do so. The alleged debt is in the amount of {$2300.00} which is a fraudulent charge. By law pursuant to 15 U.S.C section 1681s-2 of the Fair Credit Reporting Act ( FCRA ), NCB Management Services Incorporated has failed to validate this alleged debt. They have NO signed contract with my signature stating that I gave them ANY permission to access my credit reports which is a violation pursuant to 15 U.S.C section 1681b.
12/01/2023	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt is not yours	GA 30039	Web
My wife and I were looking to buy a home so I went and got my credit report because we couldn't get an approval because of NCB Management Services Inc. saying that I owed money for a vehicle i never had at a address i never lived at i placed security fraud alerts on all three credit reporting bureau 's I sent a letter to the company certified mail requesting validation of the debt and any documents stating that i had signed a contract with them they never sent an explanation to verify that I owe their company any money and i feel that my rights were violated because they have my personal information and i never gave any written consent for them to have it. this is damaging my families life and i am highly concerned
11/21/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	OH XXXXX	Web
NCB Management is reporting on my credit report, they misrepresented the character /legal status of the debt, they ruined my credit rating, used unfair means to collect the debt including calling me at work when asked not to, until I felt I had to pay it to stop them from harassing me. I paid the debt through XXXX XXXX XXXX. They are still reporting on my credit reports as a paid collection which is still ruining my credit rating. They are not even the original owners of the debt and have no contract bearing my signature, therefore has no right to report anything on my credit reports. They violated the FDCPA when they harassed me by calling me at work and home on a routine basis until XXXX XXXX XXXX got involved.
11/30/2017	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was result of identity theft	SC 298XX	Web
The consumer 's Agent with Power of Attorney in Fact proceeded to validate a debt in dispute status currently being reported by company NCB MANAGEMENT SERVICES INC to the 3 Major Credit Bureaus. After a fax communication to validate the debt and provide company tax identity information per [ FDCPA 809 ] XX/XX/XXXX, provided on XX/XX/XXXX a fraudulent debt that leads one to the conclusion that NCB has on file an account number confirmed to be different from the " Original Creditor ''. The information NCB provided contains False and Misleading Representations of the truth [ FDCPA 807 ( 2 ) ( A and B ) ] in what seems like an attempt to start a whole new contract with the consumer. This is not the consumer 's wish.
03/24/2023	Yes	Debt collection Auto debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	MO 631XX	Web
On Approx XX/XX/XXXX, I sent NCB MANAGEMENT SERVICES INC, A request for validation made pursuant to the ( FDCPA ), 15 U.S.C sub section 1692 ( G ) Section 809 ( B ). for the account in question. This request letter was received XX/XX/XXXX, via Certified mailing # XXXX XXXX XXXX XXXX XXXX postal service as third-party witness by NCB management Services INC. NCB INC, has exhausted the statues and limitations on the administrative process and good faith doctrine. The debt has not been proven that I am legally obligated to pay therefore, it is fraud and identify theft. NCB MANAGEMENT SERVICES INC does not have my consent to trade my personal property/information Via Privacy act 1974. I reserve my rights UCC 1-308.
02/02/2023	Yes	Debt collection Payday loan debt	Communication tactics Frequent or repeated calls	MO 64138	Web
For XXXX this company has been harassing me. While working, while at school, even while Im sleeping. They call from all kinds of different numbers and area codes. XXXX told me they sold the account to a third party for {$6200.00} to NCB. I said that was fine, but I had been sick and couldnt work for a XXXX XXXX and needed time to return to work. I then told them if they kept harassing me I would then contact a lawyer. They kept calling, then my XXXX calls me and tells me they keep calling her and telling her I owe this amount of money in debt which is illegal. Not only did they call my XXXX more than once, they disclosed private information. I will not tolerate this behavior and unprofessional by this company.
03/23/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	GA 31313	Web
Disputed the alleged debt with the debt buyer by the name of NCB management. They have attempted to validate this alleged debt and will not provide me with verification that I owe this debt. A signed loan agreement, signature and identification used to obtain credit. The furnisher by the name of NCB is attempting to collect a debt on a charged off account, and also they do not have a certificate of authority to due business in the state of Georgia, I have disputed this debt several times. NCB management or NCB are both reporting to XX/XX/XXXX and XX/XX/XXXXunder different names, both names of business are non compliant to do business in Georgia. Also, they are reporting an open account on a charged off Item.
09/30/2019	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	WI 53216	Web
XXXX XXXX XXXX XXXX {$780.00} XX/XX/XXXX NCB MANAGEMENT SERVICES , INC. {$2800.00} XX/XX/XXXX XXXX XXXX XXXX {$1300.00} XX/XX/XXXX Hi Sir/Ma, One day I checked my credit report just to see what was on my credit file, unfortunately I found these three accounts that I am not aware of, I tried to dispute it, and request for debt validation to proof. Examples, Valid copies of the debt agreement stating the amount of the debt and interest charges, Agreement with the creditor that authorizes you to collect on this alleged debt, and Complete payment history on this account along with an accounting of all additional charges being assessed, to my surprise they did not respond to all my mails. Thank you. XX/XX/XXXX.
06/06/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	MI 48180	Web
On XX/XX/2023, I received a letter from NCB Management Services , Inc stating that my personal information has been affected and compromised. NCB claim on XX/XX/2023, NCB discovered that an unauthorized party gained access to NCB 's systems on XX/XX/2023. After a thorough investigation, on XX/XX/2023, NCB confirmed that MY information was accessed by the unauthorized party. NCB claims that the unauthorized party no longer has access to my information. I'm highly upset as I was never aware of this company until they sent me a letter. How did this company NCB get my personal information? I never had an account with this company nor did this company have a permissible purpose to access any information about me.
03/16/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Problem with personal statement of dispute	SD 57702	Web
I took out a loan with XXXX XXXX XXXX which became illegal in my state around the same time ). I took the loan out in XXXX, I missed a payment and they sent me to their collection agency NCB XXXX XXXX XXXX. I ended up paying off the loan before it was initially due. I paid it off in XXXX XXXXand they said they would not report it. They never fixed it. I should have had a good score. I only missed that one payment and was back on track and paid off before the agreement. They are a high interest rate loan company and while this was happening it became illegal in SD. They told me they would not report it as collections because I did reconcile my debt with them quickly, yet three years later it is still there.
10/22/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	FL 33414	Web
NCB MANAGEMENT SERVICES stated that I obtained a loan from XXXX XXXX XXXX XXXX on XXXX XXXX in the amount of {$1800.00}. I have never received said such loan. I was a victim of fraud and have tried to explain that to the collection company, I have asked them to validate the debt, and they have never provided me validation. NCB MANAGEMENT SERVICES only wanted me to send them a copy of my drivers licensee. I'm not understanding the law. How can people just get my information open up accounts and I have pay for this. I need to have this addressed. I continue to dispute the account and they say it's my account. they have called an harass me about the account and would never provide me a contract of the debt..
05/17/2016	Yes	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	IL 60560	Web
I received a letter from NCB Collections attempting to collect a debt that I do not owe. I disputed the debt. They sent me a response letter with purported information that says I do owe the debt. However, as you will see, this application is not in my name ( not even the correct sex ), not my address, not anywhere close to me at all. In fact, NCB violated someone else 's privacy by sending me this information ( an XXXX XXXX to be exact ). Again, they did not verify the debt belongs to me, since what they sent me is for someone else entirely and they violated that person 's privacy by sending me their information. I am enclosing the dispute letter I sent to NCB along with their response and document.
03/25/2020	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	KS 671XX	Web
On XX/XX/2020 a woman possibly named XXXX called my XXXX year old father in law, from a restricted phone number and demanded to speak with me. My father in law told her that I was at work and not at the phone number she called. Which is his personal cell phone that I have never used or been associated with. She left a call back number with him of XXXX ext XXXX. This call back number is associated with NCB Management Services. I have never received a letter or phone call from this company, however they are harassing my family and friends for a supposed debt that I have no knowledge of. I have been contacted by other family and friends who have told me that they are threatening to send me to jail.
08/24/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TX 76548	Web	Servicemember
XXXX has incorrect information on my credit report and according to FCRA, I have the right to an accurate credit report. The report says I opened account in XX/XX/2022 and made zero payments and XXXX payment amount and term was for one month. I never opened an account in XXXX or would agree to one month payment. The amount states {$2200.00}. Also same account NCB Management, collection agency violated the FCRA : Debt collectors are not allowed to call friends or family members and discuss account. NCB Management violated this 3 times by calling a family member discussing my account and asked them to pay {$1300.00}. Each violation is a fine of {$1000.00} and they have violated it 3 times.
05/09/2023	Yes	Debt collection Credit card debt	False statements or representation Attempted to collect wrong amount	MS 39120	Web
Today Card has sent my account to collections to NCB Inc Management and while I do owe something I do not owe the amount they saying I owed. I signed up for a covid relief program they were offering and they said that I would not be charged interest and my payments would be waived for the time that I requested the covid relief because my hours had been cut at work during that time and they assured me that my payments would not be doubled once I resumed payments. They continuously charged me late fees and interest during that time. Most of what is owed is not from charges I made its from the interest and late fees that charged during the time I was suppose to be given relief during a hardship.
05/10/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	LA 704XX	Web
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, La XXXX XXXX You are in direct Violation of The Fair Credit Reporting Act ( XXXX XXXX XXXX ) has violated several of my rights. 15 U.S.C 1681 Section 602 A Clearly states that I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instruction. 15 U.S.C 16666 B. A creditor may not treat a payment on a credit card account und an open-end consumer credit plan as late for any purpose. Remove these late fees payments and update this account immediately as you are in direct violation of several laws under The Fair credit Reporting Act.
03/27/2018	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	TX 778XX	Web
I received a call at XXXX XXXX on XX/XX/2018. I asked who was calling and what it was about and the girl only told me her name, which is XXXX. I asked several times what her call was in reference to and all she said was that it was an important business matter. I hung up and researched the number which is to NCB Management Service which is a Collection Agency. I was not told during the call that it was an attempt to collect a debt, only that it was an important business matter. These people have been calling me 4 to 6 times a day. I am XXXX, have XXXX due to a XXXX XXXX problem and a XXXX XXXX. First they will call my home number and then my cell phone number during the day every day.
10/15/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	ND 583XX	Web	Servicemember
I am having an issue with a debt which is being reported on my consumer credit files, I have tried multiple times to explain that the account is a mixed file issue, as it is not mine. The company keeps saying they have validated the debt but have not shown me what this validation is. Furthermore, both the company and a collection agency they have hired are both actively reporting my file as flagged and active in collection. I am seeking help in this matter to mediate the problem and have the company comply with the FCRA and provide an investigation, provide me with documentation or other material. I am asking for a review of the matter so that I can get some help getting this fixed.
08/14/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	MS 39157	Web	Servicemember
NCB Management Services continues to report inaccurate Unverified information about me, to the credit bureaus they report to. I have written this company Numerous times requesting that they send me the Original Documents or Contract with my Signature on it, Verifying that I have a debt with them.. { I have copies of the letters I sent NCB Management Services through Certified Mail requesting this information } proof NCB Management continues to update this alleged debt to the credit bureaus as a Collection Account. I have not received any contracts that I signed with this company. I have no debt with NCB Management Services. I have never did any business with NCB Management Services.
11/04/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	MI 48188	Web
My aunt used my credit information while living with me and she eventually passed away ( XXXX XXXX ) is her name because she was alway there at the house I never would see most of the mail. So she was able to open several accounts in my name, the account in question was discover months after her death, all the other account were removed but this one was sent to collections I called NCB to explain what happe ; however they would not help me, they stated if I paid a portion of the debt it would be removed from my credit. Several years later they have not removed this from my credit file, they keep telling me to allow 90 days but tears have past and it still effecting my livelihood.
11/07/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL XXXXX	Web
On XX/XX/2020 I noticed a collections agency on my credit reports, which caused my credit rating to be seriously affected in a very negative way. I called the company and informed them I had no business with them and requested they send me some proof, we have business together. I also asked for them to provide a legal contract, we have with each other signed by the both of us. I was informed they purchased some sort of debt totaling over 6,000 dollars. I explained I didn't know what they were talking about and demanded they contact the credit bureaus and remove this item ASAP! I'm prepared to fight this to the end and have know problem filing suit against this fraudulent company.
09/28/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	MS 38637	Web
NCB Management Services , Inc is and has been inaccurately and erroneously reporting a monthly account balance, payment, etc since XX/XX/2019 on a collection account to the three major credit reporting companies XXXX, XXXX, and XXXX. ( Samples of Credit Reports attached ) A collection agency should not be reporting a collection account 30 days late as the current status. The account was not opened with/by the collection agency, they purchased the bad debt. XXXXurchasing a bad debt does not make them the original creditor. Only the original creditor can report as 30, 60, 90 or even 120 days late. Monthly status codes related to delinquencies do not apply to collection agencies.
01/29/2018	Yes	Debt collection Auto debt	Communication tactics Frequent or repeated calls	MD 20852	Web
NCB Management Service Inc. does not have a signed contract that states I agreed to pay NCB. This account is past the Maryland Statue Of Limitation on debt collection, while NCB is reporting this account as current with the credit bureaus. Although it is noncollectable. Reporting a different removal date from the original account holders. Despite numerous certified letters NCB always make the claim they are investigating this matter, yet never send a correspondence telling the results of the investigation. These are just a few of the many violations of the Fair Debt Collection Practices Act and the Fair Credit Reporting Act that NCB Management Services Inc. continue to violate.
04/22/2023	Yes	Debt collection Auto debt	False statements or representation Attempted to collect wrong amount	AZ 85351	Web	Older American
Original purchase of the vehicle in question from XXXXXXXX XXXX. Due to loss of income as result of XXXX XXXX, I did a volunteer turn in/repossession of the vehicle approximately late XXXX/early XXXX directly to the the XXXX dealership in XXXX AZ. Some time later I was advised by letter that the vehicle I purchased two years before for {$50.00}, XXXX had been sold for {$20000.00} and was contacting me for a " balance '' due of {$29000.00}!! No documentation or proof of this claim!!! The current rent collector also has not provided proof of this alleged sale amount which would have been a low ball sale on the part of XXXX XXXX ( dilberate???? ) to penalize me additionally!!!
11/06/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	TX 75082	Web
NCB Management services has been constantly harassing me by phone, calling my cell phone while Im at work. Calling my company I work for now at least 40 times per hour and including to calling my family over and over. I do not owe them anything. They are attempting to collect on a debt that wasnt mine. When I had identity theft I reported XXXX as fraud, that was removed from my credit report, the bank then attempted to sell the fraud, now this company is harassing me. I do not owe this company any money. I had identity theft and the company received an FTC Affidavit. Also they are impeding my work and calling my supervisor consistently this is not only harassment but abuse.
06/02/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 95823	Web	Servicemember
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ca XXXX XXXX You are in Direct Violation of The Fair Credi Reporting Act ( XXXX XXXX XXXX XXXX XXXX, XXXX ), has violated several of my rights. 15 U.S.C 1681 section 602. A. Clearly states that I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : il aiso states a consumer reporting agency can not furnish an account without my writlen instructions. 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account open-end consumer credit plan as late for any purpose. Remove these late payment and update this account immediately in direct violation of several laws under The Fair Credit Reporting Act.
02/01/2023	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	GA 30043	Web
After reviewing my consumer reports, I noticed this account NCB Management Service Inc. I have not received any goods or service from this company : nor have I ever done any business with the company. I am unsure of how this company illegally obtained any of my information as far as my name, ssn, and DOB. As I know that only a contract/signed agreement between NCB Management Service Inc. and myself would make me legally bonded to any debt that they may claim. I am very sure that I have never provided any wet signature or provided any of my personal information to this company or any agreement. I continue to receive emails and phone calls from this debt collection company.
12/19/2022	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was result of identity theft	GA 30033	Web
NCB XXXX placed this account on my credit report on or around XX/XX/2022. In XX/XX/2022 I contacted NCB and stated the issue related to this account and were advised to mailed all my supporting ( fraud ) documents in for review in which I did and all were received on XX/XX/2022. I have contacted NCB several times related to such, I am getting the run around ( advising me to call back on different days, speak with mgt, account on hold ). On XX/XX/2022 I called in at or around XXXX and a agent advised me a member of XXXX was not in and to call back within 30 minutes in which I did and spoke with a XXXX, he advised me an email was sent over to XXXX and to call back in 24hrs.
12/08/2021	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt is not yours	NY 11222	Web
On XX/XX/XXXX, my older brother XXXX XXXX asked me to co-sign on a vehicle that he planned on financing in the state of Florida. To my knowledge, the account was closed out in XXXX in the amount of {$6300.00}. My credit report ( attached ) also shows the account as closed. On three separate occasions over the course of 3 years, I have had to explain why a closed auto loan from XXXX XXXX XXXX XXXX has shown up as a collection mark on my credit report. On XX/XX/XXXX, I contacted NCB Management services to get a debt deletion letter, since I plan on purchasing a home soon. The manager, XXXX XXXX promised to send the letter on two separate occasions and has still not complied.
08/07/2019	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	NM 87121	Web
A debt collection company named NCBI called me and has been calling me for several months now using local numbers. I finally called back and they stated that I took out a loan in XX/XX/2017 for {$2500.00}. Supposedly I agreed to pay {$310.00} per month on the XXXX of every month and was now in the hole for over {$3000.00}. The personnel I spoke with all seemed to have XXXX ( from XXXX ) accents and all seemed to have normal American sounding names. I argued with them but they threatened my credit score and lawful penalties if I did not agree to resolve this bogus loan. I called out the last person I spoke with, a supervisor, and she became agitated with our conversation.
06/13/2017	Yes	Debt collection Payday loan debt	Communication tactics You told them to stop contacting you, but they keep trying	OH 441XX	Web
Debt was told t o NCB Management , I settled with them, they are reporting on my credit report as a collection account event though they do not have a contract with me. I have asked them to remove it from my credit report, I agreed to pay the settled amount. I have no obligation to NCB there is no contract. XXXX wrote this off and sold the debt. but NCB was constantly calling me at home and at work and I did n't know my rights and agreed upon a settlement because I was trying to get my credit back on track after getting behind due to some medical bills and did n't want them to keep calling my place of employment. This debt settlement will be paid in full in XXXX .
08/16/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Was not notified of investigation status or results	TN 38016	Web
I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties. This looks SUSPICIOUS AND DECEPTIVE ; I demand proof TO SEE valid authorization/proof of alleged debt. Reporting without valid proper disclosure requirements is in direct violation of my consumer rights. I XXXX XXXX, legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these regulations by the FTC U.S C41, et Esq. I am maintaining a careful record of my communication with your company.
10/12/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 92692	Web
I have attempted multiple times to have NCB Management vaildate this debt they claim I owe. Each time, the NCB Management has failed to provide me with proper validation for the debt. They continue to send me a contract from the original creditor stating this is their proof that it is my debt that I owe. No supporting documents to prove this is my debt, such as documentation bearing my original signature, has ever been provided to me. A document without my original signature does not validate that this is my debt. According to the FCRA, NCB Management has violated my rights as a consumer and I'm requesting this account be removed from my credit report immediately.
03/22/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	TX 76006	Web
No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either
01/20/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TX XXXXX	Web
I have made several requests to obtain debt repayment contracts from NCB Management Services Inc . They have not provided me with a SIGNED and dated contract between myself and NCB Management Services. I have sent correspondence to this establishment on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. They have since sent a response stating they can not substantiate the allegations of my dispute and to provide name, address, phone number, etc., for validation. This is a ruse to hold this account illegally to my credit profile. This company has all of my information because it is posted on my credit report. They still have not provided me with the documents I've requested.
12/18/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30228	Web
I have spoken to the original account holder back in XXXX and they advised that me that I didn't posses the correct information to verify the account. They then advised that they had closed the account due to fraud. I was then referred to NCB Management services in XXXX and the gentleman I spoke with advised me that he would come to my home and get the money owed personally. I then advised him not to contact me anymore and that I would report him to my local police department if the harassment continues. From there I filed a complaint with the FTC to have the account removed from my credit file. Now they are starting to contact and report to my file once again.
07/03/2021	Yes	Debt collection Auto debt	Written notification about debt Didn't receive enough information to verify debt	IL 62221	Web
Letter was sent to the credit bureaus and the collection agency on XX/XX/2021 asking to verify the debt ... Letter sent on XX/XX/2021 to the credit bureaus and collection agency asking to verify the debt. Letter sent on XX/XX/2021 to the collection company asking to Cease and Desist. After this I notice the collection agency and bureaus report that all was verified and updated, but I have not received any documents or statements showing me how or why this is verified or how this is my debt. I have not received any correspondence showing me this is my debt or how this debt was verified from neither party, but yet, my credit reports were updated with information.
11/11/2016	Yes	Debt collection Auto	Cont'd attempts collect debt not owed Debt was paid	CA 90621	Web
The debt was for the amount that XXXX XXXX XXXX XXXX XXXX looked for reimbursement due to an accident involved their insured client. However, XXXX XXXX XXXX XXXX XXXX employee was able to contact me earlier. I gave them my automobile insurance claim number. The debt was paid off after XXXX XXXX XXXX XXXX XXXX employee contacted my automobile insurance company. I confirmed with my automobile insurance company claim adjuster that the full amount of this debt was paid. NCB Management Services Incorporated says they represent XXXX XXXX XXXX XXXX XXXX and its insured, who was involved in the accident and keeps contacting me about the debt that was already paid off.
09/15/2015	Yes	Debt collection Credit card	Improper contact or sharing of info Talked to a third party about my debt	IL 622XX	Web	Servicemember
I am the only person on the debt. XXXX XXXX from NCBI called my husband at work and proceeded to tell him about the debt. He is not on the debt nor is he responsible. We have been having issues and now he is talking about leaving me due to him being contacted, especially at a work number. I am not working nor able to at the moment. She also lied and said she was a representative of XXXX XXXX and kept saying she needed a formal agreement for me to make payments before she could hang up. I want something done. NCBI or NCB Managment can not be trusted. They lie and do whatever they can get by with to get you to pay. Also I never received any paperwork from them.
06/28/2021	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	IL 61604	Web	Servicemember
Paid off a debt after agreeing to a settlement agreement with NCB Management Services Incorporated. They reduced the balance of the account as agreed by reporting it to the credit bureaus. They then re-reported the full remaining balance against me to credit bureaus claiming it is part of the process and they can do nothing about it. Made contact with company who is unable to anything about it and " attempted to transfer me to a supervisor/management '' for an hour before coming back with " It's under investigation now. We'll contact you later. '' Unlawful negative action taken less then twenty-four hours after fully satisfying the payment plan as made.
09/16/2021	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	AL 354XX	Web
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Al XXXX SSN : XXXX DOB : XXXX NCB Payment and Correspondence is listed on my credit reports but i have no debt with them. I was told they bought my account from another collector. After reviewing my credit report I noticed a lot of inaccuracies on my credit for said account. The date the account was opened is wrong for all accounts. Also, the date the account was reported is not correct. There is no verification date listed on my credit report. The date shown for last activity is not correct. There is no last payment date listed. Please investigate so that I can have these errors removed from my credit reports.
07/28/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	NC 28269	Web
XXXXXXXX XXXX and NCB management service which is the same debt!! However XXXX XXXX was apart of multiple state class action lawsuits were the judge ruled in the consumers favor that XXXX XXXX had to buy back or cancel the debit of all the subprime loans and pay restitution to the consumers! I was apart that lawsuits I have received my check however the debt is still on my credit report plus they sold the debt to NCB management Service and it on my credit in fact its still in collections in they are trying to collect the debt from me however the judge rule that XXXX must buy back the debt in wipe it from my credit that hasnt happened! Total amount XXXX
05/30/2019	Yes	Debt collection Payday loan debt	Communication tactics Frequent or repeated calls	ID 83702	Web
Ive spoken to An agent with NCB Management 3 or more times. Ive made arrangements to pay the debt once a month until the balance is paid in full. I made a payment at the beginning of XXXX. The agent called me at the end of XXXX to tell me that my account is on non-payment status. How can my account be in non-payment status when I just made a payment? I told her I get paid once a month, and will pay the balance down monthly until the balance is paid in full. There really is no need for her to keep contacting me. All of our conversations are redundant ; there is nothing we can talk about on the next call that we havent talked about on the last few calls.
03/12/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	OK 74133	Web	Servicemember
XXXX " XXXX? " from XXXX XXXXt ( XXXX XXXX ) services keeps calling my cell phone and leaving messages regarding a debt for my wife. I do not have a message identifying who I am on my voicemail, yet XXXX continues to identify himself as a debt collector and that he is trying to collect on my wife 's XXXX XXXX account. He has threatened legal action over voicemail, which couple with the blind identification of himself as a debt collector to a party who has not identified themselves, is a direct violation of the FDCPA. Although the debt in question is a valid one, it belongs to my wife and I have never been authorized to discuss or deal with this matter.
04/20/2018	Yes	Debt collection Auto debt	Written notification about debt Didn't receive notice of right to dispute	GA 30032	Web
I pulled my credit reports back in XXXX and Noticed that a car that i purchased showed for the full amount of $ XXXX when it was a total loss and insurance paid it off. XXXX never sent me any information on that account after the accident. That car was purchased in XXXX and they reaged it on my credit report. They sold the debt to NCB they are a collection agency and they never contacted by mail. I disputed the debt it was removed then it was added back to my reports a year later without them notifying me within 5 business days that it would be put back on my credit file. Now both XXXX and NCB are trying to collect a debt that is not owed at all.
07/20/2022	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	GA 31313	Web	Servicemember
I pulled my credit reports and noticed this organization reporting on my credit reports. My first initial communication with NCB Management was a certified debt validation letter w/ tracking numbers XXXX ( that was delivered XX/XX/2021 ). I never received an response from NCB MANAGEMENT. I called them up on XX/XX/2021 and was told they responded to me through email. I never received an email from NCB Management regarding this account. I then requested for them to respond to that letter through USPS mail and was then given the run around and asked numerous of questions as to why I want this information. The rep was super rude and didn't help me at all.
06/09/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 75126	Web
I have been requesting info regarding a collection on my credit report from NCB Management in excess of 60 days with no luck. This debt is listed on all 3 of my credit reports. I have asked for the original contract with my wet signature authorizing this debt along with the original information from the original creditor with name ( s ), address ( es ), and phone number ( s ) listed. I also requested a breakdown of the billing and payment history along with the acquired proof of ownership showing the collection agency has the right to collect on it. This company, NCB Management, has been given ample time to respond with this information and has not.
07/11/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	FL 32246	Web
I have contacted XXXX regarding a collection that has been paid off XX/XX/XXXX and it still showed opened. I requested that they update the file has closed and remove from my credit report. The response from XXXX that it was updated and closed as of XX/XX/XXXX. I contacted XXXX by phone on XX/XX/XXXX to report this infraction and was told that I will need to contact the company, NCB Management Services , Inc for a date closed on this issue and to have them contact XXXX to remove from credit report. I am going in circles. No one is taking responsibility and I need this to be taken care of since its making a dent in getting services that I need.
02/17/2020	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	UT 840XX	Web
XX/XX/20, Called me from a spoofed local number, then 6 minutes later called me from their business number. They keep calling my parents landline after being told by my parents that I can not be reached at that number. dates and numbers of recent calls to my parents. XX/XX/20 ; XXXX, XX/XX/20 ; XXXX, XX/XX/20 ; XXXX at XXXX and XXXX, XX/XX/20 ; XXXX, XX/XX/20 ; XXXX, XX/XX/20 ; XXXX, XX/XX/20 ; XXXX, XX/XX/20 ; XXXX. Thats just this month so far, XX/XX/XXXX and XX/XX/XXXX are just as bad. I have told them I don't want to talk to them, I have hung up on them and blocked their numbers yet they repeatedly call me and my parents over and ever.
08/05/2022	Yes	Debt collection Auto debt	Written notification about debt Didn't receive enough information to verify debt	PA 190XX	Web	Servicemember
NCB management services incorporated sent a letter on XX/XX/2022 to collect a debt of {$6900.00}. This letter was sent due to failure of NCB to send me the supporting documents that I asked to see in regards to the debt in question. I wrote NCB and asked that they remove the Debt within 30 days if they can not find the documents I needed, and report this to the credit bureau. I responded within the time frame that they needed no later than XX/XX/2022. It is now XX/XX/2022 and they still have my account under review and it has caused me extreme financial hardship due to the false collection tactics and shady practices that go against the FDCPA.
09/02/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	AL 352XX	Web
This company has extremely high interest fees and should be illegal. I quickly found myself in a situation I couldn't afford so the account was charged off. I was called within a couple of months with a settlement offer of less than {$600.00} which I accepted. The company offered to delete the charged-off account from my credit history if I accepted and paid the debt that day which I did. I am still showing the debit is unpaid on my history as well as that I still owe the full balance. This company not only takes part in predatory lending, but they also take part in predatory collecting of debts. Please delete this from my credit history ASAP.
01/12/2019	Yes	Debt collection Auto debt	Written notification about debt Didn't receive enough information to verify debt	PA 195XX	Web
The laws of the state of Pennsylvania clearly states that when a repossession takes place, that there must be at least two auctions completed before there is an upset price pertaining to collection purposes. However, in fiscal year 2017, being that my family runs a XXXX business, we suddenly faced several financial issues that caused this repossession. Accordingly, I am requesting a reasonable settlement to this collection. The vehicle loan was for a high interest rate, and the payment was very high. I would appreciate an offer in compromise either through my email or direct mail, and Ill do my best to make that payment to benefit all parties.
01/05/2022	Yes	Debt collection Payday loan debt	Written notification about debt Didn't receive enough information to verify debt	AL XXXXX	Web
On XX/XX/XXXX around XXXX, I called NCB because at my bank 's request. I spoke with a gentleman to request a verification of the debts I allegedly owe. I asked if it could be emailed to me so that I could proceed with what I was trying to do and was told that could not happen. I provided a few other solutions and was told that could only happen if I made a payment arrangement at that time. I declined to do because I did not have the information I requested. I did not receive the information needed after about two weeks, so I called again but I have not been able to get an answer on the phone nor have I received the documentation I requested.
07/24/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	MS 39157	Web
( XXXX XXXX XXXX XXXX XXXX ) is now reporting on my credit report of a balance of {$3300.00} I have been writing and calling ( NCB Management Services ) about this debt I have no knowledge of. I check my reports and NCB Management Services seems to have change their name on one of the credit bureaus reports as the collector to. ''XXXX XXXX XXXX XXXX , '' Reflecting the same debt they say I owe. The address I have been mailing letters to and calling, To get information on this debt is the same address and number listed below. XXXX XXXX XXXX XXXX, PAXXXX ( XXXX ) XXXX This is a case of Fraud, because I have no knowledge of this debt.
08/10/2023	Yes	Debt collection Auto debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	FL 33161	Web
Hello, My name is XXXX XXXX XXXX. I am a consumer who currently resides at XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX, in XXXX XXXX . I am writing this because I, XXXX XXXX XXXX, Consumer did not give NCB Management Services Inc. written instructions or consent to communicate with I, XXXX XXXX XXXX, Consumer, or any other person regarding an alleged, " Debt ''. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281, SW 715, 719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. This information is true and correct to the best of my knowledge.
01/24/2023	No	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	MD 21239	Web
In my consumer report there is a charge off reporting and that is illegal to do because charge off is considered cancelled debt and according to the IRS cancelled debt is considered income, income can not report in a consumer report. The documents I attached is a screenshot of the IRS talking about cancelled debt and how it is income and the 3 consumer reporting agencies reporting the charge off also stated the law USC 1681 I never authorized to report this and how this is defamation, told them I can ligate them for defamation because there reporting information, they are not supposed to which can damage me financially and emotionally.
07/24/2023	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Loan balance remaining after the vehicle is repossessed and sold	IA 501XX	Web
Account was disputed because account is reporting inaccurate on credit report. Stating open by XXXX while closed by XXXX. Missing date last verified by XXXX and date closed by bite XXXX and XXXX reporting account not disputed. This is false because account has been disputed. I ask that for information on how account came up with this balance owed. Please break down numbers so that I can understand. Previously account disputed by original creditor as Payment after chargeoff by XXXX while XXXX reported unpaid balance XXXX reported as Paid charge off and suddenly it all changed to charge off as bad debt unpaid balance reported as a loss
07/02/2017	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was paid	FL 33179	Web
NCB Management Service hounded me for months from XX/XX/XXXX to XX/XX/XXXX to pay an auto debt I defaulted on. After numerous attempts by NCB to collect the debt, I caved in and settled the debt for ~ {$1900.00} on XX/XX/XXXX under the impression they delete the negative trade line from my credit reports. I called and sent letters to them to remove the negative trade line from my credit reports with no luck. I spoke with an account manager and he wanted me to pay an additional {$700.00} for them to delete the information from my credit reports. I told the supervisor I 'm currently out of work and I could n't afford to pay more money.
08/06/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	OK 73110	Web
There is information on my consumer report that is a result of identity theft. I did not provide written permission or instructions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted off my consumer report. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not related to any transaction by me as the consumer ; XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX, XXXX, NCB Management Service.
12/11/2021	Yes	Debt collection Auto debt	Written notification about debt Didn't receive notice of right to dispute	IL 604XX	Web
Received mail on XX/XX/21 from NCB Management Services Incorporated attempting to collect a debt. The initial communication does not meet the FDCPA requirements for this communication. It does not include the itemized amount of the debt reflecting interest, fees, payments, and credits since the itemization date, and the itemization date. Further, the letter does not meet the requirements of 15 U.S.C. 1692g ( a ) where the collector must include a tear-off dispute form with pre-written prompts for disputing the debt in the validation notice. I do not believe I owe this debt, but I will handle that matter outside of this complaint.
08/27/2017	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	WA 98367	Web
This debt is being reported by the credit bureaus as being owed by me. I have sent two letters - XXXX/XXXX/XXXX and XXXX/XXXX/XXXX - to this collection agency requesting verification that the debt ( {$3000.00} ) is mine, including my signature agreeing to this debt. This collection agency responded to the first letter saying, but not providing proof, that this is my debt. The second letter has not been responded to. I am requesting that since they can not provided indisputable proof ( my signature ) that this account be removed from my credit reports and that this collection agency cease and desist from trying to collect from me.
06/16/2023	Yes	Debt collection I do not know	Written notification about debt Notification didn't disclose it was an attempt to collect a debt	CA 91941	Web
Hello, I received a letter in the mail letting me know that there was a recent security incident at NCB Management Services , Inc. I don't know who this company is, nor have I ever opened an account with them. There was breach of my personal information with the company named above. I don't even know if they are legit, nor have I given any permission for such company to have any of my personal information. I don't know if NCB is a legit company in the first place. Please help our society to look into this business and do some ressearch so that no other persons/businesses will be abused. Thank you for your time. XXXX XXXX
04/13/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	MD 206XX	Web
XXXX XXXX Circuit # XXXX All 3 Accounts was paid before being placed as judgements as well as the new law passed in XX/XX/2017, judgements should not be placed on the credit report if all the personal information is not reported. This is a violation, accounts was removed Fair Collection and Out # XXXX Creditor has not provided any proof or contracts bearing my signature but after 2 disputes, the credit bureaus are still reporting inaccurate information. This account was removed from XXXX. NCB Management # XXXX Account was recently added, with terms but I have never had a contract to have terms or a payment status reported.
04/17/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	CA 94503	Web	Servicemember
I have disputed account on my credit report held by : NCB MANAGEMENT XXXX XXXX on several different occasions. Credit bureaus keeps sending back verification without information as to who they got information from within debt collection agency. They state they will not reinvestigate conflicting information on my credit report I disputed reporting information XX/XX/2019 and XX/XX/2019 Account is being double reported against laws FCRA. There is also conflicting reporting of balance owed. Account was also changed from paid in full to charge off status in XX/XX/2019. I was never sent a re-insertion letter from this status change.
04/21/2016	Yes	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	TX XXXXX	Web
I am being contacted repeatedly, like every single day, by XXXX XXXX XXXX of NCB Management Services in XXXX. His phone number is XXXX Ext XXXX. They say they are trying to collect a debt from my son, XXXX XXXX. My son has a XXXX XXXX XXXX and I hold a power of attorney for him. I pay all of his bills and am unaware of any that are not paid. I have asked XXXX XXXX for this information, but he refuses. He insists that I send him the POA before he will even tell me what the debt is for. If my son owes money to anyone, I will pay it. But I have not received any bills for anything. I just keep getting these harrassing phone calls!
01/04/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	MO 631XX	Web
This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, and abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.
12/01/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	MO 631XX	Web
This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, and abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.
09/21/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	VA 22407	Web
I sent you a debt validation letter more than 120 days ago asking for your company to provide me with proof that I own this debt, and your company has failed to respond. I then looked at my credit report and noticed that you are still reporting this inaccurate account on my credit report without validating it. The law is clear on this issue, you cant continue report a disputed debt if you failed to validate. Because of your actions, you have violated the FDCPA act which carries a fine of {$1000.00} for every incident, and FCRA for reporting inaccurate information on my credit. This violation also carries a fine of {$1000.00}
10/12/2019	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	MS 39212	Web	Servicemember
I tried to pay the company but they refused payment and locked up their website and turned account over to collection agency. I tried calling the company to arrange payment rep told me to call back they would hang up the phone I would call on numerous occasions only to never get anyone and website locked up not accepting any payment. I tried on many occasions to pay this company it locked up and would not take a payment. It was as if they deliberately wanted to send my account to a collection agency. The company is ruining people credit by locking up the account online where the customer can not pay the bill as it is agreed.
07/12/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	GA 30016	Web
This complaint is regarding account information below that has not been investigated and no information given. Its been over XXXX months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.
09/13/2023	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was result of identity theft	PA 19138	Web
This is a continuous debt collection that resulted in Identity Theft with a provided Police Report when XXXX XXXX ( try to collect ) as of XX/XX/XXXX 1. CFPB Reference Complaint XXXX XXXX. XXXX XXXX. XXXX NCB Management Service has made several attempts to Collect and pulling hard inquires report my credit report trying to collect a pay day loan that was a result of identity Theft ( Rise Payday Loan. I have disputed this numerous of times and it was resolved in XXXX. The Debt Collection Agency again as of XX/XX/XXXX is trying to collect. Reference of Older Case in XXXX ( Resolved As Not My Account do to identity Theft
06/18/2023	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt is not yours	VA 20152	Web	Servicemember
Company is trying to collect debt that is not mine. I have never had any business with this company or any services. They have refused to provide a service contract to validate the claim of me owing them and it has been two years and they still have yet to provide any documentation. I reached out to credit bureaus for assistance with disputing this and they have not removed the information no matter how many times I have disputed the information. As an identity theft victim it has been so hard to get the corporation of the credit bureaus and organizations to help me recover my information and clean up these inaccuracies.
11/16/2022	Yes	Vehicle loan or lease Lease	Struggling to pay your loan Loan balance remaining after the vehicle is repossessed and sold	FL 33404	Web
Please submit copies of the legal notifications and documentation of the subject vehicle 's selling commercially acceptable. If no proof of a deficit is produced within 14 days of receiving this notification, the purported claim of a deficiency will be void, and any further collection efforts or reporting of this invalid claim on my credit reports would be considered a violation of the FDCPA and FCRA. In addition, if you can not comply with the requirements above individually or collectively, I retain the right to pursue damages from all parties under all applicable State and Federal legislation and UCC - 9 remedies.
02/10/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	FL 32824	Web
This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.
09/09/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	FL 32824	Web
This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.
08/09/2017	Yes	Debt collection Auto debt	Communication tactics You told them to stop contacting you, but they keep trying	CA 96001	Web
On XX/XX/XXXX, I requested in writing that NCB a debt collection company should only communicate with me in writing. The telephone number that they are calling is a work phone and is on an unsecured line that can be monitored at any time by individuals who should not be privy to personal matters that pertain to me. I followed up with written communication via the BBB odr system again on XX/XX/XXXX to reiterate my request to communicate via writing only.. NCB has continued to call the line and even left a voice message which has resulted in me being reprimanded by my employer for using a work phone for personal reasons.
03/08/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	AL 35007	Web
In early 2019 I was a victim of ongoing identity theft in which unknown individuals or individual obtained my personal information and my bank information. With this information they obtained multiple online personal loans and took the funds from my bank account as well. Each time I resolve the issue with one " Debt Purchaser '' they sell the debt to another party. This has been ongoing through disputes since 2019 and I am now taking legal action as well against the original lender and the collection/Debt Purchaser that now owns the debt to have the debt quit being sold to the next buyer after I prove its not my debt.
10/31/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	AR 72015	Web
I've been trying to resolve this issue regarding a clear violation of the FDCPA and FCRA involving an account that was never mined neither did I receive and goods, services, or money from NCB MANAGEMENT. NCB MANAGEMENT has been notified several times via mail explaining that this Fraudulent account doesn't belong to me but continues to report which is considered willful noncompliance and which may result in damages considering I have been denied credit due to the inaccuracy of the reporting. NCB MANAGEMENT fails to adhere to the FDCPA and must be held accountable for misrepresentation and erroneous credit reporting.
02/19/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL XXXXX	Web
On XXXX XXXX, XXXX, NCB MANAGMENT SERVICES ( Opened XXXX XXXX, XXXX ) add a derogatory mark on my credit reports. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtor*s creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA NCB MANAGMENT SERVICES has violated my rights as a consumer and I requesting legal action Please remove collection from my credit reports.
06/06/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	SC 29414	Web
I am submitting this complaint for myself. I have attempted to resolve this with the company NCB Management to no avail. I have never done business with this company, nor the company the alleged debt is from. On XX/XX/XXXX, I received a letter from NCB Management Services indicating my personal information had been breached by an unauthorized party. Not only should NCB not have my information, but they have also been negligent in protecting my private info. I demand this company cease and desist all communications regarding my information and also cease reporting this unverified information to credit bureaus.
09/19/2021	Yes	Debt collection Auto debt	Written notification about debt Didn't receive enough information to verify debt	KY 40219	Web
I reached out on XX/XX/2021 via letter to NCB Management who owns the debt and has now outsourced to XXXX XXXX XXXX. NCB management/XXXX XXXX XXXX say I owe about {$16000.00} for a car. I have not received a letter of the notices or allowable resale of a vehicle. NCB Management still reflects on my credit report with XXXX, XXXX, and XXXX with no proof of debt owed or legitimate documents. This has harmed my credit and is considered a violation of the FDCPA and FCRA. Please advise I submitted a letter to XXXX, XXXX, and XXXX in regards to having the debt collector verify the collections and havent received anything.
04/03/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Was not notified of investigation status or results	NY 119XX	Web
Disputed NCB Management Services account serveral times with XXXX for reporting inaccurate information, not verify debt, double reporting same account on credit report labeling one account as collections and the other account as a current debt with original creditor as XXXX XXXX XXXX and XXXX with different debt amounts. The reporting year is also inaccurate causing the two accounts to appear on report beyond statute of limitations which would end XX/XX/XXXX not XX/XX/XXXX. I was not given any results or verification of debt after any of the disputes. There is a dispute statement listed which I did not provide.
02/10/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	FL 34266	Web
I got my car through a XXXX XXXX on XX/XX/2016. My car was repossessed and resold and purchased by another lender. It says on my credit report the account was closed on XXXX XXXX. As I look on my credit report I see an open account for the amount of {$15000.00} opened XXXX XXXX through NCB Management services with the Original credit name of XXXX XXXX XXXX XXXX ). XXXX was in a class action lawsuit and it was a judgment passed that any derogatory information including late payments or repossessions must be removed from all credit reports and since it is still on my credit report they are violating the UCC code.
02/09/2022	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt is not yours	LA 70114	Web
XX/XX/XXXX I received a copy of my consumer credit report and have noticed that a company by the name of NCB Management Service is attempting to collect a debt that is not owed in the amount of XXXX and which I have not directly given this company permission to obtain any of my personal information ; this is a direct violation of my rights to privacy. According to the privacy act of XXXX, I, the consumer did not give this company any written consent neither an oral agreement which bonds me to this company in regards to this account. Please provide any contractual agreement that validates this debt accurately.
07/08/2020	Yes	Debt collection Payday loan debt	Written notification about debt Didn't receive notice of right to dispute	MN 554XX	Web
Company bought my debt from a payday loan company when I didnt even know I still owed on the original debt. The original debt is not listed on my credit report but I didnt find out about this debt till it showed up on my credit report, I got in contact with them and tried to argue that I didnt owe it but they made threats against my assets if I didnt at least set up a payment plan. The debt theyre asking for is far more than I could have possibly owed, and I had no chance to dispute it before it showed up on my credit report. This caused me to loose out on a mortgage I have been working towards over 12 years.
02/26/2021	Yes	Debt collection Payday loan debt	False statements or representation Attempted to collect wrong amount	IA 50310	Web	Servicemember
NCB Management was to take money out of my bank account every 2 weeks and were taking payments out weekly, increasing amounts that I DID NOT agree upon. This caused me to get overdraft charges from my bank and gave me enormous amounts of stress and anxiety. I contacted my bank and requested a stop payment in the amount NCB MANAGEMENT was taking from me weekly as it was supposed to be biweekly. Since doing so I am getting 5-10 calls per day from NCB MANAGEMENT. A man by name of XXXX XXXX is leaving me voicemails multiple times per day stating he is a debt collector. I have paid the debt in full and then some.
10/10/2019	Yes	Debt collection Auto debt	Written notification about debt Didn't receive enough information to verify debt	AZ 85035	Web
NCB Management Services INC is a debt collector that purchased by charged off auto loan. When they purchased it they also reported to my credit bureau. and re-aged the account so it appears as new debt. It does not specify or reflect the original charge of date therefore lowering my score. Federal law requires that lenders report the original delinquency date of the account, and that collection agencies carry over that date so that any collection account can be deleted at the same time. A collection account is considered a continuation of the original debt. This particular agency isnt fallowing regulations
01/08/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	SC 29223	Web	Servicemember
I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document of my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.
10/18/2022	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	AL 361XX	Web
I was left a message on my desk by my assistant, she explained to me that this person keeps calling the office repeated - ( Photos taking from previous dates they have called ) I do not owe any monies nor did I give Any one permission to sell, trade, buy, lease, rent to own, my personal information. This is harassments calling my place of employment. This is a violation of my consumer rights. As of today XXXX this illegal, unprofessional, harassments can potentially effect my employment status. My personal business ( via true or false ) with constant calls has literally caused character defamation.
04/06/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 76014	Web
FCRA states information reporting has to be 100 % verifiable and 100 % accurate otherwise the information must be removed under federal law. XXXX has been reporting unverifiable and inaccurate information on my credit which has damaged my credit. I intend to litigate if they do no remove this file from my credit report. I request for them to provide the written contract and physical documentation to support the information they are reporting on my credit report via the CFPB portal. Do not send screenshots. Do not send medical statements. Send my actual signature on a contract. As this debt is Not mine.
04/06/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 76014	Web
FCRA states information reporting has to be 100 % verifiable and 100 % accurate otherwise the information must be removed under federal law. XXXX has been reporting unverifiable and inaccurate information on my credit which has damaged my credit. I intend to litigate if they do no remove this file from my credit report. I request for them to provide the written contract and physical documentation to support the information they are reporting on my credit report via the CFPB portal. Do not send screenshots. Do not send medical statements. Send my actual signature on a contract. As this debt is Not mine.
12/07/2023	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt is not yours	IN 46383	Web
A new ( er ) collection popped up on my report for {$1600.00} NCB/XXXX XXXX XXXX XXXX XXXX XXXX Reporting this debt with bad data in order to extend life of debt. XXXX customer service was not helpful, but account specialist in XXXX collections said : Account sold to NCB : {$1600.00} XX/XX/2017 She did not have any further data : specifically the last payment made/payment history/DOFD ( 30 days, etc ). Ive challenged this with the 3 bureaus but they have not posted the DOFD, and they state NCB is asserting that last payment made was XX/XX/2017 but that is the date it was sold to another company.
06/14/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 75605	Web
On XX/XX/2021 NCB MANAGMENT SERVICES added a derogatory mark on my credit report per XXXX. upon further research, this account was transferred/sold and charged off and i am no longer responsible for the account. debtor creditor did not verify this account. also there was no written form of communication, contract or signature for this accused debt at all. a bill without a signature does not validate the debt and anybody can send a bill and say its mines. according to the FCRA NCB MANAGMENT SERVICES has violated my rights as a consumer and i'm requesting legal action to remove this account immediately
10/24/2017	Yes	Debt collection Credit card debt	Communication tactics You told them to stop contacting you, but they keep trying	IL 60631	Web
I have communicated XXXX with a XXXX XXXX XXXX at NCB Management Services on several occasions. On more than XXXX occasion I clearly asked that all communication be made via post and to no longer call me. I made these requests on about XX/XX/XXXX, XX/XX/XXXX, and other dates. My do not call request was noted in the system. On XX/XX/XXXX, at XXXX pm the same person called me ( XXXX XXXX again, the very person who put the note in the system ) concerning the debt and I brought this to her attention. This was the second time they have called me after I have requested being put on the do not call list.
08/13/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	AL 351XX	Web
I've tried to dispute this once they refused. I have no idea what this debt is from they say I had a car I believe just on the phone yesterday. I've told this company multiple times this isn't me and they still call and harass me for money I don't owe them. I've been treated unfairly for the last few years and over paid thousands in interest due to this account being in collections. Collection company is NCB MANAGMENT SERVICES I've never once accepted ownership of this debt always told them this wasnt my own doing and they still continue to leave this collection marketed against my credit report.
05/10/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	MS 389XX	Web
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MS XXXX XXXX : XX/XX/XXXX SS # : XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, TX To Whom It May Concern : You are reporting the following collections as an OPEN ACCOUNT which is not under FCRA compliance . This is inaccurate reporting and needs to be removed immediately. Please send me a copy of my credit report when the below deletions have been removed. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NCB MANAGEMENT SERVICES XXXX
07/24/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	MS 39157	Web
NCB MANAGMENT SERVICES This company is reporting on my credit report that I owe them a Debt. I have no knowledge of ever getting a loan or any products from this company. I have written and tried to call this company three times asking them to send me documentations of a contract or anything with my signature on it. My most recent letter was wrote on XXXX XXXX2020 by Certified Mail .They received my verification letter on XXXX XXXX,2020. I haven't heard back from this company. On my credit reports it states I owe them {$3300.00} NCB MANAGEMENT SERVICES XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX
03/07/2022	Yes	Debt collection Auto debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	TX 77057	Web
NCB Management Services of XXXX XXXX XXXX XXXX, XXXX XXXX Contact number XXXX. Per my XXXX credit file dated XX/XX/XXXX, File No. XXXX NCB illegally put a hard inquiry on my credit file on two different dates XX/XX/XXXX & XX/XX/XXXX. I have never done business with this company or given this company verbal or written consent to access my credit file. The fraudulent actions this company have taken against me has resulted in the denial of credit for lenders, which goes against the FDCPA guidelines. I am requesting the hard inquiry and any collections this company put on my credit files be removed.
10/26/2022	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt is not yours	AR 72206	Web
There continues to be a violation of the FDCPA against myself with NCB Management Service who has apparently sold a fraud-related debt to XXXX XXXX whom has sent notification dated XXXX listing NCB Managment Service as the current creditor which is false or misleading representations section 807. NCB Management Service has never served or provided any credit to me, nor have I ever applied or requested any credit from NCB Management Service. NCB Managment Service Continues to report this fraud-related debt to my credit file knowingly this debt has been sold which violates both the FCRA and FDCPA.
11/23/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33020	Web
On XXXX XXXX, 2020, NCB MANAGEMENT SERVI add a derogatory mark on my credit report per XXXX, XXXX and XXXX. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtors creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all.A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA NCB MANAGEMENT SERVI has violated my rights as a consumer and I requesting legal action to remove this account immediately.
11/04/2019	Yes	Debt collection Auto debt	Written notification about debt Didn't receive enough information to verify debt	TX 751XX	Web
NCB Management has attempted to put this debt as a different date as the previous creditor to make it appear on my credit report longer than what it is suppose to have been. I spoke with this company and the representative was extremely rude after some back and forth banter I hung up and decided to dispute the debt with the bureaus and they eventually removed it and then added it back closed it then opened it and now its open again stating that it was verified. I would like to know how this debt it being verified and they will not send me any info regarding the debt. It is {$8200.00} dollars.
11/20/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	FL 32162	Web
My credit report and my husband 's credit report both include two accounts that refer to the same debt ( ie, duplicate reporting ), and whose date of last activity and date of first delinquency are both more than 7 years old. We have disputed this multiple times with the companies directly and with XXXX, and nothing has happened. We have also submitted multiple demands for an explanation of their Method of Verification under FCRA 611 ( a ) ( 7 ) and we have not received any reply at all. The accounts are : XXXX XXXX XXXX Account Number XXXX and NCB MANAGEMENT SERVICES INC Account Number XXXX
03/29/2019	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	CA 94598	Web	Servicemember
This company is a Fraudulent collection agency who has no regards to the laws set by the US Bankruptcy court. They are going to receive a letter from my attorney and lawsuit for breach of the XXXX Fair Debt Collection Practices act. They bought this debt from XXXX XXXX XXXX XXXX XXXX. This debt was discharged through Chpt XXXX Bankruptcy in XXXX of XXXX. They are still calling me and are reporting to equifax as an open account. On XX/XX/XXXX they updated the account. They are also going to be getting a visit from a news organization at XXXX XXXX XXXX XXXX, XXXX XXXX, SD XXXX. This is illegal.
02/26/2018	Yes	Debt collection Auto debt	False statements or representation Attempted to collect wrong amount	TX 75482	Web
I purchased a used car and it financed threw XXXX XXXX XXXX XXXX XXXX XXXX, texas XXXX XX/XX/XXXX It was then chgd to XXXX consumer usa XXXX XXXX XXXX XXXX i got behind due to car broke.and had to leave at family home on XXXX on XXXX it noted i was 30 days late.this acct is over 7yrs old. Then it was sold to ncb mgnment.the dates were put as if i owed this debt 1st day deliquent XX/XX/XXXX i disputed but thy say its accurate and i never lived at XXXX asked it to be removed but no luck this account is way over 7 yrs old from 1st delinquency and thy wont post it accurate i have documentation..
07/26/2023	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt is not yours	FL 32533	Web
I had a contract with XXXX for a car loan.. I fell on hard times and was not able to pay for the car. So XXXX repossed the car from me.. and then sold the car ... .. six months later NCB management is contacting me telling me that I owe them for the same car that was repossed by XXXX and charged off my account.. please tell NCB to stop trying to collect on a debt that I have no binding contract to anymore.. and remove that off of my credit report. Asap and any other derogatory mark and nquires off of my report. I did not give permission for any hard inquiries that don't involve credi cards
03/08/2019	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	MI 48315	Web
XX/XX/XXXX XXXX XXXX from NCB management Services XXXX repeatedly calls my business and is harassing my staff asking my personal information my birth date and social security number and giving employees information on the debt. He told my employee that he was calling from XXXX and spoke to her rudely and keeps calling. XX/XX/XXXX XXXX XXXX called again harassing my staff today he said he was from Another company and when my employee said your the same guy that called yesterday He lied and said it wasnt him. Never disclosed that he was a debt collector. He is nasty and rude to my staff.
06/12/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 94533	Web
On XX/XX/2018 NCB MANAGEMENT SERVICE added a derogatory mark on my credit report per XXXX. upon further research, this account was transferred/sold and i am no longer responsible for the account. debtor creditor did not verify this collection. also there was no written form of communication, contract or signature for this accused debt at all. a bill without a signature does not validate the debt and anybody can send a bill and say its mines. according to the FCRA NCB MANAGEMENT SERVICE has violated my rights as a consumer and i'm requesting legal action to remove this account immediately
11/10/2022	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	TN 383XX	Web
I have been disputing this account and requesting validation per the FDCPA since the beginning of the year because the account does is not reporting up to their industry reporting standards. please see my attached documentation. This is my tacking from XXXX mail from XXXX XXXX and XXXX XXXX Please help me as this information is reporting incompletely and inaccurately. This company has also failed to validate this account per FDCPA 809. Please help me!!! I HAVE REACHED OUT TO THE 3 MAJOR CONSUMER REPORTING AGENCIES AS THEY CONTINUE TO ILLEGALLY REPORT THE ACCOUNT INFORMATION AS WELL.
03/27/2023	Yes	Debt collection Other debt	Communication tactics You told them to stop contacting you, but they keep trying	FL 32514	Web
XXXX XXXX I spoke with NCB managment around XXXX and informed them to send me everything in writing and to stop calling me. Since then I have received repeatedly, phone calls, text all hours of the day and I already told XXXX, a representative, prior to the phone calls that I wanted everything in writing and now a man has called me from the same number demanding my social and said " I was told in order for them to stop calling they would need the last 4 of my social although '' XXXX yelled at me before as well. I have opted out of text messages and yet, I still can not get around them.
09/06/2022	Yes	Debt collection Auto debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	LA 70058	Web
XXXX had the debt for 5-6 years and they never set me any information about the repo like when it was sold for how much which is required.. Now NCB MANAGMENT SERVICES is on my credit report for this debt and when I asked for validation of debt they sent me letters of the billing statements and not proof that the debt was mine or that they tried to contact me before adding this to my credit reports which has no ruined my credit.XXXX I sent them a letter asking for proof of sell and the amounts the vehicle was sold for.. I sent this to them more than 30 days ago and have not heard back..
09/20/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	IL 60605	Web
NCB Management is a debt collection agency that is attempting to collect a debt of mine that was discharged through a Chapter XXXX bankruptcy on XX/XX/XXXX. NCB did not begin reporting this debt to the credit bureaus until after the bankruptcy was filed with the bankruptcy court on XX/XX/XXXX. I have sent multiple disputes to all three of the credit bureaus in XXXX, XXXX and XXXX of this year, and so far, NCB has only removed reporting from XXXX as of XX/XX/XXXX. Reporting a collection account to the credit bureaus after the consumer has filed bankruptcy is against consumer protection.
03/25/2017	Yes	Debt collection Auto	Cont'd attempts collect debt not owed Debt is not mine	FL 33162	Web
( NCB MANAGEMENT SERVICES, INC ), continued attempts to collect debt I do not owe. I have disputed ( NCB MANAGEMENT SERVICES, INC ) account number XXXX because the debt is not mine with the Big XXXX credit bureaus on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. But to no avail the item remains on my report and ( NCB MANAGEMENT SERVICES, INC ), has not provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA
10/22/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	GA 30180	Web
NCB Collection with account # XXXX opened on XX/XX/XXXX XXXX ( b ) and a balance {$11000.00}. This account was charged off and no longer owe money to this creditor but it's still showing a balance due. XXXX XXXX account with account # XXXX opened on XX/XX/XXXX XXXX ( b ) and a balance of {$2000.00}. This account was off and no longer owe money to this creditor but it's still showing a balance due. XXXX XXXX XXXX with account # XXXX opened on XXXX and a balance of {$6200.00}. This account was charged off and no longer owe money to this creditor but it's still showing a balance due.
11/27/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 32828	Web	Servicemember
NCB Management Services , Inc continuously tries to collect a false inaccurate debt by any means necessary. In the form of harassing phone calls to both friends, relatives, employers, letters, and credit reporting. On several attempts NCB has been put on notice of this so-called claim to a false inaccurate debt in the amount of {$6800.00}. A debt they claim to have purchased from XXXX XXXX that was discharge. Furthermore, besides being inaccurate as of todays date NCB is attempting to collect on a debt thats over seven years old. And past Five-year statues of limitations in Florida.
09/01/2018	Yes	Debt collection Auto debt	Written notification about debt Didn't receive notice of right to dispute	GA 30032	Web
This is a debt company that purchased the debt from XXXX they are saying that the date of delinquency is correct even though it is not the debt was opened in XX/XX/XXXX and was delinquent up until the car was repoed in XX/XX/XXXX. They are saying that they are reporting the debt correctly. I read on the consumer reporting agencies that they can report a delinquent debt past the date of the first delinquency of the original debtor. They are saying that is false and they can report the debt from the time they bought it from the original debtor,. band it is reporting as an open account
12/12/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TN 38127	Web
I am not liable for this debt with XXXX XXXX XXXX XXXX. I do not have a contract with NCB Management Services they did not provide me with the original contract as I requested. In accordance with the Fair Credit Reporting Act, the list of accounts has violated my federally protected consumer rights to privacy and confidentiality under the 15 US 1681. XXXX XXXX XXXX XXXX has violated my rights. 15 USC 1681 section 602 A states I have the right to privacy. 15 USC 1681 section2 : It also states a consumer reporting agency can not furnish accounts without my written instructions.
08/17/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	PA 19013	Web
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple 3 Bureaus Data breaches. I decided to look at my credit reports and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureaus and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved.
05/15/2023	Yes	Debt collection Auto debt	Written notification about debt Didn't receive notice of right to dispute	GA 30228	Web
NCB Management services is steadily reporting a past due amount of {$6400.00} on a closed account I had with XXXX XXXX on a voluntary repossession from XX/XX/XXXX. I have tried repeatedly to tell them the amount of not owed and it was settled with XXXX before they placed it on my credit in XXXX. I keep disputing it on XXXX XXXX but I have never personally received mail, a notice, an email or anything regarding this. I want it removed from my credit ASAP on all three credit bureaus as I believe they have taken a closed debt and trying to steadily destroy what little credit I have.
05/20/2021	Yes	Debt collection Payday loan debt	Communication tactics You told them to stop contacting you, but they keep trying	CA XXXXX	Web
NCB Management has made repeated attempts to contact me by phone after being instructed no less than two times to cease attempting contact. NCB Management had been contacting me by email also, so I used that email address to send them to notifications, one dated XX/XX/2021 and one dated XX/XX/2021 directing them to cease further attempts to contact me or associates. I received no response to either communication. In my requests I had asked for a confirmation letter to be sent, and none was. Despite my attempts NCB Management has made several calls each day of every weekday.
11/22/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 32701	Web
As I already reported via telephone, I am a victim of identity theft. I have recently learned that my personal information was used to open an account at these companys. I did not open these accounts and I am requesting that the account be closed and that I be absolved of all charges on the account. Pursuant to federal law, I am requesting that you provide me and/or the listed Law Enforcement Designee, at no charge, copies of application and business records in your control relating to the fraudulent account and/or transactions. A copy of the relevant federal law is enclosed.
05/02/2023	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	LA 70508	Web	Servicemember
I recently viewed my credit report and noticed a collection account, from a company that I am not familiar with, NCB MANAGEMENT.. I tried to contact the original creditor,XXXX XXXX XXXX but to no avail. Not only do I not know of the original creditor, but I also received no formal communication, in regards to the debt, right to dispute the debt, or to rights to request the validation of the debt. It only appeared on my credit report. As I have a fraud alert on my credit report, I was not made aware by the bureaus of any inquiries made or new accounts added to my reports.
04/09/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	FL 324XX	Web
In XXXX I was evicted from an apartment. The law firm placed a collection account on my credit profile. Then in XXXX the Lawyer sold the debt to XXXX XXXX XXXX XXXX XXXX Then In XXXX XXXX XXXX Bank sold the debt to NCB management Services. It has now been 12 years since the original account became delinquent and the account closed. I have contacted the Lawyer -they wont talk to me, and both collection agency. I was in hope someone would fix this. The account is showing it was closed and went delinquent in XXXX. If that is true then they owe me 8 years of an apartment.
03/25/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	IL 60030	Web
On XX/XX/2020, NCB MANAGEMENT SERVICE add a derogatory mark on my credit reports. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtors creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all.A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA NCB MANAGEMENT SERVICE has violated my rights as a consumer and now I request legal action to remove this account immediately.
04/15/2015	Yes	Debt collection Credit card	Improper contact or sharing of info Talked to a third party about my debt	FL 32311	Web
I was contacted by this person that claimed he had purchased my loan from another company in which I had been paying on for over 6 months by auto draft from my account. This guy proceeded to tell me that he needed me to give him my account information so that he may continue to draft payments from my account. Needless to say I refused to give my information out over the phone and since then he has continued to harass me, calling constantly XXXX times daily. He has also contacted my sister and my mother which is unacceptable. Is there anything that can be done about this?
06/02/2023	Yes	Debt collection I do not know	False statements or representation Indicated you were committing crime by not paying debt	FL 33610	Web
I am contacting you to request the deletion and removal of the following accounts and information from my consumer report. It is imperative that these accounts and information listed below are not reported on my consumer report. This action is a clear violation of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). Therefore, I urgently request that you remove these accounts and information from my consumer report without delay, as they are in direct violation of multiple laws. I expect immediate action to rectify this situation.
05/26/2023	Yes	Debt collection I do not know	False statements or representation Indicated you were committing crime by not paying debt	FL 33426	Web
I am writing to request the immediate removal and deletion of the following accounts and associated information from my consumer report. It has come to my attention that these accounts and information should not be reported on my consumer report, which is a clear violation of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). I urge you to take immediate action to remove and delete these accounts and information as they are in direct violation of several laws. I expect these accounts and information to be removed without delay.
06/02/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	SC 29115	Web	Servicemember
Please see the attached letter regarding the account that is not mine due to identity theft. I have filed all of the necessary forms including the FTC online form and affidavit. This is all equivalent to a police report as well. This is my second request to you to remove these fraudulent accounts from all three of the credit bureaus before I take legal action. Send the validation of these accounts as well with your response back to this complaint. I want the account name, account balance, past due amount, and date of last activity verified and provided to me as well.
05/29/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	SC 291XX	Web	Servicemember
Please see the attached letter regarding the account that is not mine due to identity theft. I have filed all of the necessary forms including the FTC online form and affidavit. This is all equivalent to a police report as well. This is my second request to you to remove these fraudulent accounts from all three of the credit bureaus before I take legal action. Send the validation of these accounts as well with your response back to this complaint. I want the account name, account balance, past due amount, and date of last activity verified and provided to me as well.
05/09/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	SC 291XX	Web	Servicemember
Please see the attached letter regarding the account that is not mine due to identity theft. I have filed all of the necessary forms including the FTC online form and affidavit. This is all equivalent to a police report as well. This is my second request to you to remove these fraudulent accounts from all three of the credit bureaus before I take legal action. Send the validation of these accounts as well with your response back to this complaint. I want the account name, account balance, past due amount, and date of last activity verified and provided to me as well.
12/14/2017	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	MD 21703	Web
I have been getting calls fromm NCB Management at my place of employment and I have already set up a payment plan with this company through their website and the first payment had already come out on XX/XX/XXXX of {$75.00} and the next one is scheduled to come out XX/XX/XXXXof {$75.00}. They call my job everyday and I am not getting called into my bosses office about this. I work with kids and I ca n't get away to take these phone calls and if I have a payment arrangement set up and the first payment was already made why do they have to continue to call me like that.
09/17/2019	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 77521	Web	Servicemember
I have a collection listed on my credit report that has never been validated. I dispute it and get no resolution. I am unsure if it was opened fraudulently or what because no contact has ever been made in regards to this. I am the spouse of a military Veteran that is completely XXXX and any valid accounts that were opened in my name, would reflect an interest rate capped by the SCRA due to my spouse being XXXX XXXX and deploying. I am unable to verify the account info, to see what this is and if the military lending act/SCRA was applied if it is indeed a valid debt.
07/29/2018	Yes	Debt collection Auto debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	FL 32405	Web	Servicemember
Sent for validation of debt in accordance with the FDCPA and was not validated nor removed instead they are offering settlement ( s ) on a debt or contract I have not made with this company. NCB Management Services, INC has kept my credit from showing it's true score and has kept my family from benefiting from a true credit history. I have never made any contract or agreement with this company and they have not been able to prove that I owe this debt to them. Furthermore ; I nor my family was ever served properly on this account since we do not live in Pennsylvania.
07/07/2017	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	CA 96001	Web
On XXXX-XXXX-17, This debt was disputed via CFPB under case number XXXX-XXXX. This dispute stated the collection agency had failed to verify said debt and was reporting on my credit report. The company responded to the complaint and stated that they would send me out the contract/ debt validation immediately. To date, This has not taken place. I am disputing this once again, as the company has failed to provide proof of debt in the form of a signed contract. Considering this information has not been provided, Per the FCRA I am not obligated to pay the alleged debt.
07/17/2017	Yes	Debt collection Auto debt	Written notification about debt Didn't receive notice of right to dispute	FL 33624	Web	Servicemember
I have previously sent in a complaint on this matter and it was never resolved. NCB Management failed to notify me of their intentions to collect on a debt on behalf of XXXX XXXX for an auto loan on a car I voluntarily surrendered in 2012 I believe. NCB Management said in the complaint response that notification was sent to an address listed on my credit report which never belonged to me and I made them aware of this in my complaint. I have searched the Florida Office of Financial Regulation and NCB Management is not licensed to collect on a debt in Florida.
06/11/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	CA 90017	Web
NCB Management is reporting to CRAs as an open Factoring Account. Attempts to remove this account, and the falsely reported information, have gone unanswered by the agency. On XX/XX/2020 and XX/XX/2020, letters were mailed to the agency 's XXXX XXXX XXXX , XXXX, PA XXXX address requesting validation, and I have not received a response from the agency validating any of the information that is being reported to the 3 CRAs Currently the account is being reported as an individual account/paid as agreed with additional annotations that it is a collections account.
04/21/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Report provided to employer without your written authorization	GA 30344	Web
8 years ago someone stole my identity and purchased a vehicle under my name. I didnt find out till later because the person was actually making a couple months payments. Then I tell the creditor when I pull my report that it isnt mine and I never heard back from anyone. Later the car was repo and passed on to a collector without my consent and theyve been harassing and sending mail to my home for years and its also been affecting my life. Restraining me from moving forward in life and buying a home. Thank you to whom ever is reading this, this is my last hope.
11/15/2016	Yes	Debt collection Auto	Improper contact or sharing of info Contacted me after I asked not to	FL 322XX	Web	Older American, Servicemember
I have been constantly harassed over the phone after I asked not to contact me in Reference the debt, I asked him to verify the debt because I do n't owe NCB the collection agency anything, they have reported the last payment date is incorrect the amount I owed the debt is incorrect, the company they representing I never owed that company, I did n't give them authority to report this inaccurate info to the credit Bureaus. please verify my debt, please verify date last payment made, and the correct amount owed. also I did n't miss any payments on this account.
04/14/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	FL 33313	Web
Im really grieved and exhausted at my experience with NCB MANAGEMENT I was unfortunately a victim of identity theft. I have a mother who has XXXX and a child with XXXX so its really hard and very challenging to battle back and forth with this agency. I sent a letter to this agency with a certified return receipt. That indicates the letter was signed for an received on XX/XX/22. In the letter I Included a copy of my identity theft affidavit. Im simply asking for this account to be remove from my report. Its been well pass 30 days and Ive received no response.
06/07/2015	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt resulted from identity theft	MN 554XX	Web
A representative from XXXX XXXX XXXX contacted me in regards to a debt owed from the creditor XXXX XXXX XXXX, XXXX. I told the representative that I am a victim of identity theft and the representative stated to me, he did not believe me. I hung up the phone and the representative continuously called me backed and harassed and verbally abused me by swearing at me telling me, I owed the debt and start telling me I will be arrested if I do n't pay this debt. The representative is in violation of Minnesota debt collection laws and The Fair Credit Reporting Act.
05/05/2020	Yes	Debt collection Payday loan debt	Communication tactics Used obscene, profane, or other abusive language	TX 77081	Web
Around last month, I called this so called NCB Management since I had a miss call from them. They asked me if I could verify my name and social security. Before giving any of my information, since my SS was stoled and recently got it around XXXX of last year. They gave me their information and I told them I would look into my email if I had any information regarding their company and who they were working work. And the person who I was speaking to very rudely said okay, and hunged up on me. FYI : I had not receive any letters from this company whatsoever.
05/04/2018	Yes	Debt collection Payday loan debt	Communication tactics You told them to stop contacting you, but they keep trying	UT XXXXX	Web
About a month ago, NCB management was repeatedly calling my work, when I finally talked to XXXX XXXX ( sp? ) I told her that they can not call on my work phone number due to our phone policy. Today ( XX/XX/18 ) I received another call from XXXX XXXX and she said she has no record of that conversation. I have also sent them two emails stating in writing that they can not call my work. I'm at a loss for what to do to stop the harassment so I wanted to file a complaint here to have it legally documented that they are breaking the law and continue to harass me.
06/20/2023	Yes	Debt collection Payday loan debt	Communication tactics You told them to stop contacting you, but they keep trying	AR 72023	Web
There are 2 negative remarks on my credit report by the same company and I have NO IDEA what it is!! They also called my younger brother to discuss this debt I know nothing about, which is illegal. They tried getting personal information and when I told them to stop contacting me because it is considered harassment they told me they can do whatever they like. They are looking for an " XXXX XXXX '' and that is not me, even when I tried telling them that it is not me. When I asked for proof of the " original documentation '', they denied sending it to me.
06/30/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 75071	Web
I never agreed to any debt collection with the company. No proof debt this is ruining my life for getting housing. NCB has no proof of my signature for agreeing to debt now their system has been breeched and my personal information was attacked. This account should be removed does not comply with fair consumer reporting act. Purchasing a consumer debt and placing it on their report without knowledge of the account is against the law. I have never did business with this company. They will need to validate this debt by showing proof of my ID and signature.
09/28/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TN 38128	Web
This collection company keeps harassing me over a debt I am NOT liable for. I have asked this company to provide me with the following : Original signed copy of the contract, showing date account opened, authorized payment agreement, and XXXX disclosure. They HAVE NOT provided me this information. 15 USC 1692, NCB Management Account # XXXX has violated my rights 15 USC 1681 Section 602 A states I have a right to privacy 15 USC 1681 Section 604 A Section 2 states, a consumer reporting agency can not furnish an account without my written instructions
07/06/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 32205	Web
I began questioning this organization in XXXX of XXXX into XXXX and this supposed obligation has been influencing my credit. The obligation authority hasn't given verification that the supposed obligation has a place with me. This is the fourth time this obligation was sold in the wake of demonstrating that this supposed obligation isn't mine because of the organization 's deficient evidence and a duplicate of a printout bill isn't verification this is influencing my capacity to get another home. I don't have any idea why I'm being dealt with this way.
09/03/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CA 92584	Web
Ncb Management Servi showed up on my credit report several months ago. I do not know this company or the so called debt they say I owe, even though it says XXXX dollars on my credit report. I have sent them many letters asking for the removal of this account on all three credit bureaus. There is no account number associated with this account. My mailbox has been broken into many times and I have reported several fraudulent accounts on my credit report. I would like this company to delete this account from all 3 credit bureaus to rectify this situation.
08/15/2022	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive notice of right to dispute	NJ 08021	Web
NCB Management Services, has violated the fair debt collection practice act 15 U.S. Code 1692g ( a ) ( 3 ) ( 4 ) Validation of debts. In their initial communication they did not provide a statement notifying me of my right to dispute this alleged debt. Nor did I receive a statement that I can request verification of this debt. Their violation of the FDCPA has caused me grave injuries and damages, Per Frey v. Gangwish, 970 F.2d 1516 ( 6 '' Cir. 1992 ). The FDCPA is " an extraordinarily broad statute '' and must be enforced " as Congress has written it.
10/15/2023	Yes	Debt collection Telecommunications debt	False statements or representation Attempted to collect wrong amount	GA 30909	Web
On XX/XX/2023 I wrote a dispute letter to NCB Management Services requesting that they provide me with verification of the alleged debt they are attempting to collect. I noticed that XXXX has made the account a charge-off on my consumer report with a {$0.00} balance and a 1099c was also suppose to be sent to me so I can file it on my tax returns as gross or ordinary income. If that be the case then how can NCB legally try to collect a debt impersonating the original creditor. That is against the FDCPA 15 USC 1692e False or misleading representations.
04/11/2016	Yes	Debt collection Auto	Cont'd attempts collect debt not owed Debt is not mine	NV 89178	Web
My credit report showed a collection agency, NCB Management Services, INC with a balance of {$6400.00} that belongs to my ex spouse 's loan from XXXX. The loan does not belong to me. My ex spouse, XXXX XXXX is solely responsible for repayment of this loan per my divorce decree. NCB Management has failed to provide me with any type of documentation or proof that this debt is mine. I did not get any type of letter or notice from NCB Management Services regarding the collection account nor did they give me 30 days to provide that this debt is NOT valid.
10/12/2021	Yes	Debt collection Auto debt	Written notification about debt Didn't receive notice of right to dispute	NJ 088XX	Web
Bought a vehicle back in XXXX under XXXX who recently has a class action lawsuit. The vehicle was repossessed in XXXX and I have been trying to dispute this off my credit because it has been sold to different collection agencies. This bank was taken to court and under the class action lawsuit even though the vehicle was sold they are supposed to take care the deficiency of the balance to XXXX $ I demand this be taken off my credit report attached is proof its supposed to be off my credit. I am being over charged with fees seems every week or month!
11/09/2017	Yes	Debt collection Payday loan debt	Communication tactics You told them to stop contacting you, but they keep trying	AL 35405	Web
On Wednesday, XXXX XXXX XXXX I received a call at work from a bill collector that I was unaware of. I 'm not allowed to get calls at work unless it 's family emergency. I ask the man to not call me back at work and if I owed this debt to please send something in writing to my address stating I owed this. On Thursday, XXXX XXXX I received several calls from this same person and due to the calls I was fired today. So if I owed this company anything, they wo n't be getting a dime now due to me losing my job because they kept calling when ask not too!
10/21/2022	Yes	Debt collection Auto debt	Written notification about debt Didn't receive enough information to verify debt	TX XXXXX	Web
NCB has purchased a debt from XXXX XXXX that has reached the statute of limitations. The balance of this debt is incorrect. Last payment day is incorrect and this debt is also owned by another company. Ive contacted and attorney to start a legal process against NCB and the other company. This inaccurate debt needs to be removed from my credit report. Debt needs to be verified for accuracy and proven. Nobody has done that due to the inaccurate information. Its against the law to reage this debt and attempt to collect it with XXXX debt collectors.
02/27/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	CA 92026	Web
I have sent NCB Management Services numerous requests to fix the in accuracies on my credit report since XX/XX/XXXX. I have also disputed the account with all three credit reporting agencies as well. NCB is still reporting inaccurate information to the credit bureaus. I sent NCB a certified letter XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX and they received the letter on XX/XX/XXXX asking for an investigation under the FCRA FRCA 623 ( a ) ( 8 ) and they failed to investigate the inaccurate information and send me the documentation that I requested.
06/13/2023	Yes	Debt collection Auto debt	False statements or representation Attempted to collect wrong amount	TX 75074	Web
XXXX and NCB are both reporting negatively on my credit bureaus for the same account just different amounts. They are either closed or charged off but show a balance. I was told this is considered Double Jeopardy and have attempted to dispute with them through mail and one account has updated the last payment date to this year when the actual last payment was in 2018. North of these accounts are impacting me negatively greatly. Im assuming XXXX is retiring the amount prior to auction and NCB is reporting after auction. Could you please assist?
01/31/2023	Yes	Debt collection Auto debt	Written notification about debt Didn't receive enough information to verify debt	IL 604XX	Web
On XX/XX/XXXX at XXXX I spoke with a lady and asked to be sent a validation of debt along with the full payment history, her response was if you know it is your debt then why do you need this? I waited months and never received the requested forms. On XX/XX/XXXX at XXXX I request the same forms I also communicated with the guy about the above incident. He let me know he would send it up with a rush and I should have it in my email within XXXX if I do not to call back. I have requested these verification since XX/XX/XXXX it has been XXXX XXXX
06/12/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NJ 07104	Web
Information on this account I would like it to be removed From my XXXX and XXXX be XXXX Account status Closed Date opened XX/XX/XXXX Account type Auto Loan Payment summary XXXX XXXX XX/XX/XXXX - XXXX XXXX - XXXX - - XXXX - - XXXX - - XXXX - - XXXX - - XXXX - - XXXX - - XXXX - - XXXX - XXXX XXXX - XXXX PAYMENT HISTORY LEGEND Status Charge-off Status date XX/XX/XXXX Past due amount {$0.00} Original loan amount {$13000.00} Monthly payment {$0.00} Additional info Responsibility Individual Terms 74 Months Company sold NCB MANAGEMENT SERVICES INC .
03/15/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	TX 77539	Web
I filed a CFPB claim against XXXX XXXX XXXX reporting an auto charge off that is reporting after the statute of limitations. They sent a letter to me on XXXX2019 stating that this account was sold to the third party NCB Management and consequently they are not able to take any action. Now I am filing a complaint against NCB for reporting an account that is over 7 years from the date of last activity. I have included the letter from XXXX to prove that this account is over 7 years old and they can not do anything as this account was sold to NCB.
07/08/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	GA 30315	Web
In accordance with the fair credit reporting act XXXX Accounts # XXXX NCB Management Services, has violated my rights. In accordance with the fair credit reporting act XXXX Accounts # XXXX XXXX XXXX XXXX, has violated my rights. In accordance with the fair credit reporting act XXXX Accounts # XXXX XXXX XXXX, has violated my rights. 1. 15 U S. C 1681 section 602 A states I have the right to privacy 15 US. C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
09/11/2019	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	CA 90805	Web
NCB Management Services representing XXXX XXXX XXXX XXXX XXXX has repetitively sent correspondence demanding payment for an unknown debt. When I requested by law that they send me identifying documents to show that I owe this debt such am ID, Social Security Number, and/or contract bearing my signature, they have not done so. Their claim is Hearsay according to law. In the midst of this, they are ruining my quality of life because they have put this item on my credit : XXXX XXXX, 2018 Amt {$3700.00} Original Creditor XXXX XXXX XXXX XXXX XXXX
02/23/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	NC 28504	Web	Servicemember
I had an account that was past due because I was XXXX from the military and I was unable to make the payments on time and I tried to set up a payment plan to resolve the debt and in the midst of moving and getting my family settled after service I lost track of and was unaware of the debt being sold off and was required or notified that the balance was excessively higher than the balance before my transition from military service and I have noticed now that the balance is {$3400.00} and alot higher than it was when I last made a payment.
11/22/2022	Yes	Debt collection Auto debt	Written notification about debt Didn't receive enough information to verify debt	TX XXXXX	Web
Spoke with NCB MANAGEMENT SERVICES in regards to an account that was allegedly mine. I asked them to validate the information in accordance with 15 USC 1692g and they were unable to do so but instead sent a statement simply implying that I owe the debt. I responded with a second letter of validation and they sent the same statement. I contacted the credit reporting agencies and told them they are inaccurately reporting this account and to remove it in respect to 15 USC 1681 in which they responded with filing a complaint with you, CFPB.
10/18/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	NV 89145	Web
I am writing to bring attention to a concerning matter concerning my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I hold serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Thus, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.
10/16/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	FL 33619	Web
I am writing to bring attention to a concerning matter concerning my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I hold serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Thus, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.
10/06/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	AL 36116	Web
I am writing to bring attention to a concerning matter concerning my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I hold serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Thus, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.
09/25/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	FL 34608	Web
I am writing to bring attention to a concerning matter concerning my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I hold serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Thus, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.
09/07/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	FL 33604	Web
I am writing to bring attention to a concerning matter concerning my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I hold serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Thus, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.
09/05/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	NV 89147	Web
I am writing to bring attention to a concerning matter concerning my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I hold serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Thus, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.
08/30/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	NV 89102	Web
I am writing to bring attention to a concerning matter concerning my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I hold serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Thus, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.
08/18/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	NV 89145	Web
I am writing to bring attention to a concerning matter concerning my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I hold serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Thus, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.
08/17/2023	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was result of identity theft	MD 212XX	Web
Good afternoon, I received a letter from NCB Management about 3 months ago informing me my information was compromised in a data breach. The letter stated my information was compromised, however did not explain how, why or what measures will be taken to prevent a future breach. I called XX/XX/2023 and spoke with supervisor XXXX and asked for a new letter due to receiving a couple pay cards I did not apply for. I lost the original. She refused to send me a new letter stating they were sent out by vendors and I could not have a new one.
08/02/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	CA 94303	Web
I am writing to bring attention to a concerning matter concerning my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I hold serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Thus, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.
04/18/2023	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	FL XXXXX	Web
I have now received 5 phone calls from XXXX XXXX at ( XXXX ) XXXX They stated their address is XXXX XXXX XXXX XXXX, PA XXXX They told me multiple times they are trying to collet a debt, but i have no debt or outstanding bills. They refuse to tell me how they got my number or who the person they are trying to call. This is very frustrating since I worked hard to pay my bills and I pay them on time. I have checked XXXX XXXX and all three credit reporting services and no debt or credit shows any issues. This needs to stop and stop now
03/23/2017	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	MI 483XX	Web	Older American, Servicemember
Please note that I was rudely contacted as was my family by someone who would not give their name, fooled me into providing my personal information ( last 4 digits of my social security number ) and stated I have an account for an internet loan. I am XXXX years old. I did not take out an internet loan, and they will not stop harassing me by phone or my family members. I have requested a cease and desist, but they continue to call, make threats, wo n't provide any documentation, and over disclosure my personal details that they have.
11/01/2018	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	FL 33417	Web
Beginning in XX/XX/2018 I requested validation of debt showing on my credit report from NCB ( see attach letter. ) I never received any validation of the debt from them but they continue to report to my credit report which is a violation of the Fair Debt Collections Practices Act. I have written to them three times subsequent to my first letter and they continue to ignore my requests to prove up the alleged debt. Even though they are showing a 0 balance they are referencing some sort of settlement which is hurting my credit score.
11/23/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	IL 60651	Web
NCB Management Services , Inc, account number XXXX, This account is being illegally reported to my credit report according to the FCRA, this is a third party company that I do not have any contract or business with. My information was sold to this company violating my consumer rights law 15 United States Code 1681 ( B-2 ), & 15 United States Code 6802 ( B-1 ). This company is knowingly committing consumer reporting fraud. This company passed the statute to respond back to me and havent updated any reports to my credit profile.
02/15/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	FL 32829	Web	Servicemember
ate Assigned XXXX XXXX, 2017 XXXX XXXX, 2017 XXXX XXXX, 2017 Original Balance {$3800.00} {$3800.00} {$3800.00} Current Balance {$0.00} {$0.00} Responsibility Individual Individual Individual Status Payment after charge off/collection Account legally paid in full for less than the full balance Comments Account paid for less than full balance, Paid collection, Account previously in dispute - now resolved by data furnisher Dispute resolved reported by grantor Account Previously In Dispute - Now Resolved - Reported By Subscriber
07/19/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	FL 33185	Web
I am writing to address a concerning issue regarding my credit file. I have noticed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Additionally, I have serious doubts about the accuracy of the debt being claimed. Under the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Therefore, I kindly ask that you provide me with the necessary validation and take the necessary steps to resolve this matter.
09/19/2021	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt is not yours	IL XXXXX	Web
i signed a contract with elastic XX/XX/2016 not with ncb management my original account with elastic account number ( XXXX ) consumer reporting agencies bear grave responsibilities to ensure the accuracy of the accounts they report on and thier responsibility must consist of something more than merely parroting information recieved from other sources. the collection account is also reporting open, please remove this account immediately from my credit report. and please provide me a copy reflecting this account removed,,
01/25/2020	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was paid	TX 78043	Web
I need this charge taken off of my credit history. It is affecting very bad and I cant get approved anywhere. When I did a voluntary surrender of this vehicle I was notified by the customer service rep that it wasnt going to affect my credit score. When the vehicle was auctioned off they told me that they sold it for the a higher amount that I owed on the loan so I dont know why there is still money pending. At the time I was going through a very bad hardship and I was let go from work so I had to let go of the vehicle.
08/17/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	NJ 08701	Web
I have a loan with XXXX XXXXXXXX XXXX, NCB ( Original Creditor : 14 XXXX XXXX XXXX I ), and XXXX, XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX ). I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, XXXX XXXXXXXX XXXX, NCB ( Original Creditor : 14 XXXX XXXX XXXX I ), and XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) with no successful resolution. There was definitely an error on their part.
06/28/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	FL 34221	Web
Ive explained that I have been out of the country for 10 years to NCB Management services and that the account they have is fraudulent. With proof. They have refused to take this debt off of my credit report and will not remedy this situation. This is affecting my livelihood and preventing me from creating a better life for my family as a man. My name is damaged. My credit is destroyed because of this and their tactics. If I owned this debt I would pay it. I have integrity but this is not my debt and is fraudulent.
10/10/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	CA 92225	Web
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my XXXX XXXX. This account is inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to XXXX, XXXX and XXXX Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.
04/24/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	NM 87112	Web
NCB Management as well as XXXX continue to report a discharged account as an active collection account after a Chapter XXXX bankruptcy. The account has a XXXX balance due to discharge, and per bankruptcy law it is illegal to attempt to collect on any balance discharged in a bankruptcy. And therefore, if they are reporting it as an active collection account- this is illegal and they are in violation of bankruptcy law which is a civil offense. Attorney consult and possible litigation against both companies pending.
06/01/2023	Yes	Debt collection Auto debt	Took or threatened to take negative or legal action Seized or attempted to seize your property	GA 30909	Web	Servicemember
Original creditor : XXXX XXXX XXXX XXXX sold the debt to NCB Management Service and they calling with threatening messages and the original creditor seized the vehicle. The amount they say I owe is {$12000.00} and thats incorrect. They seized the vehicle and staying I owe more then its worth and ruined my credit. I have written letters several times and contact the credit bureau to provide proof of the original contract and they provided me with nothing. Im trying to buy a home for me and my kids and grand kids.
08/14/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	SC 29072	Web
NCB Management Services XXXX XXXX XXXX XXXX PA XXXX On XX/XX/2020 NCB Management Services added a derogatory mark on my credit profile per XXXX XXXX in the amount of {$7600.00}. After further review I realized that the XXXX date on the account was inaccurate across all credit bureaus, which should not occur. I also realized other simple mistakes are reporting about this account. The Fair and Accurate Credit Reporting Act ( FACTA ) protects me from having erroneous or false derogatory info be posted on my report.
06/28/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	OK 74136	Web	Servicemember
I had a loan through XXXX XXXX and in the past few months I 've been hospitalized and become XXXX XXXX XXXX XXXX and have been awarded XXXX benefits-although I have n't started receiving any payments yet. I fell behind on my payments but I did call the bank and try to alter my payment plan. The balance owed to them was around {$1200.00}. Without my knowledge, they sold my debt to XXXX collection company and XXXX has falsely placed a collection on my credit report for a whopping {$3200.00}.
07/01/2015	Yes	Debt collection Credit card	False statements or representation Attempted to collect wrong amount	OR 97526	Web
NCB Management Inc. ran an ACH payment through our bank after specifically being advised to cancel the payment, and that funds were not available. Their representative assured us the payment had been cancelled as of XXXX XXXX, 2015, and they ran it anyways on XXXX XXXX, which caused our account to overdraft, and may result in fees from the bank. Our bank has been notified, and we have submitted an official fax reqeust to the company to refund the charge if the bank is unable to stop the unauthorized payment.
03/06/2023	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	AZ 85206	Web
The complaint is NOT about collecting the wrong amount. The complaint is regarding a XX/XX/2022 telephone call I had with XXXX XXXX, Debt Collector with NCB Management whom I entered into a payment arrangement for an unsecured debt that I do admittedly owe to his office. XXXX assured me he would place an indicator in his system of record blocking the account from being placed on my credit report. However, the following month I received notification the tradeline was being newly reported as a collection item.
01/11/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	TX XXXXX	Web
Account status is reporting open on one Bureau and closed on another. Also information like, Dispute Status, Date of Last Activity, Date Opened, and Creditor Remarks are reporting inaccurately and are in violation of my rights and the FCRA. I have sent dispute letters in regard to this matter and NCB Management Services continue to report this erroneous information, defaming my character. I have informed the credit bureaus, in addition I've mailed a copy to NCB Management of their false ans unfair reporting.
06/15/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	AE 99654	Web	Servicemember
This unethical scam of a bank in XXXX called XXXXXXXX XXXX opened an account fraudulently and has been harassing me for almost a year and a half. They have stolen my social security number, XXXX shared it with several other companies and have been reporting false information to the credit Bureaus. They reached out to me after they stole my personal information and now claim I owe nearly {$5000.00}. It is the only negative mark on my credit report. They stole my identity. This is absolutely unacceptable.
07/06/2022	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	CA 92805	Web
I sent a dispute letter regarding an account on my consumer report. They responded by sending me a copy of the following alleged information : original contract, account statements, and account transfer document. I sent them another letter describing how they failed to provide me the required documentation and again they responded by sending me the same documents they did before. It is clear that this company is willfully noncompliant with the rules set forth by the FTC and is in violation of said laws.
11/19/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	FL 34287	Web
I've sent numerous certifies letters to all 3 major credit bureaus including the Collection agency NBC MANAGEMENT SERVICE ( XXXX ). They're reporting a debt that I'm not familiar with and they have not explained to me where this debt is from nor have they validated the debt for me Its been over 60 days and this is really starting to hold me back from me closing on my home for myself and children. Im a hardworking single mother and this just isn't right. I really need assistance with this matter, Please!
07/19/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	OK 73110	Web
New Info I pulled my Credit Report and noticed inaccurate information reporting by credit agency 's. They are in violation of in reporting inaccurate personal info, inquiries, charge offs, and collections. 15 USC 1681 ( a ) ( 4 ) 15 USC 1681i 15 USC 1681s-2 15 USC 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) 15 USC 1681i ( 7 ) 15 U.S.C. 1692g I am requesting as the CONSUMER a description of the procedure used to determine the accuracy and completeness as stated in 15 USC ( 6 ) ( B ) ( iii ). FTC # XXXX
07/06/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	NV 89101	Web
I am writing to bring to your attention that my credit file contains a collection entry from your agency. However, I have never received any prior notification regarding this collection. Furthermore, I strongly believe that the debt being claimed is not accurate. According to the Fair Debt Collection Practices Act, I am entitled to request and receive validation of the debt. Therefore, I kindly request that you provide me with the necessary validation and take appropriate action to rectify this matter.
07/05/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	FL 330XX	Web
I am writing to bring to your attention that my credit file contains a collection entry from your agency. However, I have never received any prior notification regarding this collection. Furthermore, I strongly believe that the debt being claimed is not accurate. According to the Fair Debt Collection Practices Act, I am entitled to request and receive validation of the debt. Therefore, I kindly request that you provide me with the necessary validation and take appropriate action to rectify this matter.
06/25/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 75287	Web
In XXXX of 2020, a collection account of {$2600.00} from XXXX XXXX XXXX being collected by NCB Management services showed up on my credit report. I have never Never used XXXX XXXX XXXX and before this collection account appeared, I had never even heard of them. I've tried disputing the collection account via XXXX twice with no success and I've tried reaching out to both companies with no response. At this point, I have no idea how to remove this debt that does not belong to me from my credit report.
06/09/2017	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	CA 95678	Web
On multiple occa ssions, NCB Management Services has called me at work. Once they left a voicemail and the other time I picked up. Our work lines are recorded and now our conversations are recorded in my system at work. Now I 'm stuck with the potential of losing my job if that conversation or voicemail is heard during quality testing. Every day I fear it 's my last day because those conversation are recorded and archived. The person was also very rude and would not allow me to exit the conversation.
11/12/2020	Yes	Debt collection Auto debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	AZ 85044	Web
I spoke with XXXX XXXX. He transferred me to his supervisor, XXXX. I explained my situation. I needed the agreement to state when the debt was paid, the company would delete the trade line from my credit. He refused to put this in the letter. He stated their attorneys would not allow this verbiage to be used. No matter how many times I asked, begged and pleaded with him. He refused to add these words to the document. So, if I paid this off, it could still be on my credit and they wouldnt remove it!!!
01/29/2023	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Loan balance remaining after the vehicle is repossessed and sold	GA 30032	Web
This company NCB Management Service Has Violated All of the Consumer laws first they repossess my car did not give me my 3 disclosures didn't receive any paperwork about the repossession also included inaccurate information on the credit report which against consumer laws which I did not receive paperwork of where the vehicle was located and that is very unlawful and fraudulent tactics. I also send them a cease and desist letter however they sent me a receipt of this illegal debt and did not comply.
04/05/2020	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	FL 32714	Web
NCB Management Services is reporting a debt of {$2300.00} from a tribal loan that is not legal under Federal usury laws which cap interest at 36 % or Florida law caping interest at 18 %. I would request NCB recalculate the balance to reflect all payments and a legal interest rate not bound by tribal jurisdiction or remove the item from all three credit bureaus. I had requested account verification from NCB and this was not provided within 30 days of the request nor has it been received to date.
05/03/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	IL 606XX	Web	Servicemember
NCB Management Services is incorrectly reporting a closed account as open as a negative collection on my XX/XX/XXXX and XXXX XXXX credit report. This account was included in my chapter XXXX bankruptcy which was discharged i n XXXX / XXXX / 2017. Th ey should not be constantly reporting negatively on my report. I filed a dispute with XXXX XXXX on XXXX / XXXX /2017. Who stated that the company would not cooperate with. I feel that this is unfair reporting on this companies part.
03/15/2017	Yes	Debt collection I do not know	Communication tactics Threatened to take legal action	CA 94545	Web
NBC Management has not disclosed any information to me in reference to a debt they claim I owe. They did not allow the 30 days to dispute or validate this claim. They have harassed my family members and my friends by calling them all hours of the day. They continue to call my old job looking for me. I received a voice message from them basically saying they had legal paper work they needed to drop off for me and if anyone knew any information of my current employer or residency to give them a call.
05/24/2022	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 77338	Web
I sent a letter to NCB on XX/XX/XXXX about an unknown account on my credit report in the total of {$2200.00} ( opened on XX/XX/XXXX ). I have no connection with this account of business and noted that verification was needed. Today, XX/XX/XXXX I've received a letter past 30 days of requesting verification that did not confirm any amount of money but was noted " this communication is from a debt collector ''. I am unaware of how they have my information and need this unknown business to be removed.
11/16/2018	Yes	Debt collection Payday loan debt	Communication tactics You told them to stop contacting you, but they keep trying	GA 30083	Web	Servicemember
I have asked them to stop calling because I am working with my attorney to file bankruptcy due to me being ill and almost XXXX and now being behind on all my debts. I told them I am not working and living with family. I asked on 3 different occasions to stop calling and the told me no and said they can call and harass me as much as they want because I owe them money because its their rights. Not only that but they are harassing my family members that are even asking them to stop but they will not.
03/20/2015	Yes	Debt collection I do not know	Communication tactics Called after sent written cease of comm	FL 33913	Web	Older American
NCB MANAGEMENT SERVICES , INC . XXXX XXXX XXXX XXXX, PA XXXX ATTENTION : XXXX XXXX Contacts my work cell phone continuously for a debt collection that I am not the consumer I am the consumers daughter they continuously harasses me even after verbal requests not to contact me and a written letter was sent with the Consumer Protection Act was quoted and sent XXXX/XXXX/15 @ XXXX XXXX XXXX XXXX XXXX/XXXX/15 @ XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX/XXXX/15 @ XXXX XXXX XXXX XXXX
01/10/2018	Yes	Debt collection I do not know	Communication tactics You told them to stop contacting you, but they keep trying	CA 92672	Web
THIS IS NOT MY DEBT AND I AM NOT THE PERSON THEY ARE TRYING TO CONTACT. NCB Management has repeatedly, often daily, called my workplace asking for someone named XXXX, who does not work here. I have told them repeatedly that XXXX does not work here, that I do not know such a person, and that they are calling a workplace and need to stop disrupting my work. However, they have completely ignored my requests for over one month. The repeated harassment is disruptive, infuriating and against the law.
03/27/2020	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	SC XXXXX	Web
I reached out to NCB Management ( XXXX and XX/XX/2020 ) in regards to a collection with them that was included in a chapter XXXX bankruptcy that was discharged. They received the paper work from my Lawyer ( XXXX XXXX XXXX in XXXX, SC ). Per my conversation with the representative she stated that they received the paper work from my lawyer and the bankruptcy court but they will not change the way it is listed with the credit bureau, she stated that is the way they report and nothing will change.
01/09/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Was not notified of investigation status or results	TX 75232	Web
I sent a dispute to XXXX more than 60 days ago and still no response I will like these accounts delete. This company never responded to my dispute for accounts : NCB MANAGEMENT SERVICE XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX and XXXX did an investigation and deleted all 3 of these inaccurate accounts. It is this company 's duty by FCRA and FTC to report precise and accurate information. below are the results from the other 2 Consumer reporting agencies that deleted these accounts.
05/20/2020	Yes	Debt collection Credit card debt	Communication tactics You told them to stop contacting you, but they keep trying	AZ 85742	Web
NCB Management states I owe them a debt. They have called several times a week over the last couple of month so I sent them a certified letter asking them to validate specific things and also added a cease and desist on phone calls, Told them that all future communication had to be written. They received the certified letter Tuesday XX/XX/20 according to tracking from USPS but today I received another phone call from them, a lady names XXXX XXXX to call them back to resolve/settle this debt.
05/01/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	TX 77429	Web
on XXXX I paid off a Collection from : NCB Management Services , Inc. XXXX XXXX XXXXXXXX XXXX, PA XXXX. They informed that the collection would be deleted from all 3 bureaus on my credit report in 30 days after payment and they still have not deleted this collection. I've done everything I was asked to do and they didn't hold up there part. Original Creditor : XXXX XXXX XXXX XXXX, XXXX Acct # : XXXX Current Creditor : NCB Management Services , Inc. NCB File # : XXXX Balance : {$2200.00}
01/09/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	AL 36526	Web
I am emailing in regards to an erroneous account being reported on my XXXX and XXXX consumer credit report. This company NCB Management is reporting this erroneous account on my report. I have attempted many numerous request by certified mail that NCB Management verify this account belongs to me by providing physical verification such as a signed contract and etc. Section 611 ( 5 ) ( A ) of the FCRA clearly states that this information should be promptly deleted if it can not be verified.
11/23/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	OH 445XX	Web
NCB XXXX a debt collector continues to report an account that was discharged in a bankruptcy as an open account. The information includes a balance of {$150.00} as if it is the current balance. I was told by XXXX that their legal department says it must be reported that way when I spoke to him on XX/XX/19 and XX/XX/19. Both dates he said he would contact me. He didnt contact me on either date. I was told the only way the account would be considered closed is if the balance was satisfied.
08/22/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 75089	Web
In accordance with the Fair Credit, Reporting Act. This creditor has violated my rights. Under 15 USC 1681, section 602 states I have the right to privacy. Fifteen USC sixteen eighty-one section six oh four A section two it also states a consumer reporting agency can not furnish an account without my written instructions. Under fifteen USC 's one six six six B. A creditor may not treat a payment on 'a credit card '' account under an open end consumer credit plan as late for any purpose.
06/05/2023	Yes	Debt collection I do not know	False statements or representation Indicated you were committing crime by not paying debt	TX XXXXX	Web
I have had multiple phone calls from NCB regarding a debt that I contested with them. This account has never shown up on my credit report, nor do I know what it is. That being said, I recently received a letter from them on XX/XX/2023 whereby it states that I agreed to a promise to repay the debt. No payment arrangement would have ever been made. This letter is nothing more than a total fabrication. Please feel free to contact me should you like to discuss in more detail. Thanks XXXX
06/30/2021	Yes	Debt collection Auto debt	Written notification about debt Didn't receive enough information to verify debt	FL 33617	Web
On XX/XX/XXXX sent a debt validation letter and nothing was sent back to me in return. Then sent another letter of no response from the debt validation on XX/XX/2021 and still have not received anything from the debtor. They are not in direct violation of the FCDPA and I demand removal of this debt being they are pass the validation timeframe and have not shown proof of the requested items for validation of these debts. Attached are the letters that was sent for validation no response.
12/14/2017	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 76180	Web
I 've responded to NCB Management Services Inc every time a letter has been sent to me. I have never done business or signed up for any credit with XXXX XXXX XXXX XXXX. I 've requested proof such as a signed agreement, payments made, credit received, etc so it could be forwarded to law enforcement, but have yet to receive anything but more letters demanding payment for # XXXX. I ask that they stop contacting me and remove this account from my personal credit report as it is not mine.
10/22/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 77581	Web
XXXX and NCB MANAGEMENT SERVICES, INCXXXX Are in violation of my rights as set forth by hippa and cra. They say I have an account with them, but I never opened an account with them. When I used this site to let them know that it is ID theft. Neither company removed the items from my credit report. XXXX says they no longer own the account so they ca n't remove it, and NCB says it is my account, and refuses to remove it. It is not my account. These items need to be removed immediately.
10/10/2023	Yes	Debt collection Payday loan debt	Written notification about debt Didn't receive enough information to verify debt	CA 92805	Web
I get calls every day from NCB Management Services about a payday loan I didnt take out. I dont remember the exact dates, but over the course of at least 2 months Ive repeatedly asked for something in writing so I can dispute the transaction. The only thing I received was a letter saying my dispute was denied. Today, XX/XX/2023 I again requested something in writing. I was told it would be emailed to me, but Ive not received anything. Ive repeatedly given them my contact information
07/16/2021	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was paid	TX XXXXX	Web
NCB Management was sold/assigned a debt that was/is already payed according to 18 USC 8. Moreover, although they have recently deleted this unlawful reporting from my consumer report, I am holding them civilly liable for each individual action under the Fair Debt Collection Practices Act. I have sent through certified mail a sworn affidavit of truth, invoice, and exhibits that prove each violation that I am demanding remedy for. Not to mention actual damages I sustained as a result.
09/26/2015	Yes	Debt collection Credit card	Communication tactics Called after sent written cease of comm	CA 95363	Web
This company had called and threatened coming after my family and I filed a cease communication. Since then they just change people calling all of my family. They continue to threaten my brother, sister, and mother. They called my brother and threatened to find out where I live and constantly harass my family. I no longer live with my family and I have been unemployed. I have been going to college and have been trying to just survive. I wish to resubmit a cease communication again.
03/20/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33511	Web
I received an alert on my XXXX app on XX/XX/2023 that a XXXX hard inquiry was pulled from my report. I did not XXXX for any XXXX credit card and reported this as fraud to the XXXX bureaus. We placed a freeze on my report and setup up fraud alerts. Please have this inquiry removed as it was not from me. There is also a collection account NCB management services ( XXXX ) that is also displayed on my XXXX and XXXX credit reports. This is also not my account and needs to be deleted.
04/12/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	AZ XXXXX	Web
This company has refused also ignored my notices in the mail to verify the account that I have conditionally accepted with proof. NCB MANAGEMENT refused to acknowledged my certified notice.. i have mailed, sent a cfpb XXXX and XXXX complaint and they refuse to report accurate information on my consumer report.. NCB Management was removed from my XXXX and still remains to XXXX and XXXX. I also didnt recieve the 3 disclosures before furnishing negative report on my consumer report
06/28/2020	Yes	Debt collection Auto debt	Written notification about debt Didn't receive notice of right to dispute	TX 76017	Web
On XX/XX/2017, I was contacted by NCB Management Service INC on behalf of XXXX XXXX XXXX, stating that I owe a balance of {$7800.00} which was later reported on my credit. I made a settlement arrangement with the collection company with the promise that it would be removed from my credit report once the debt is paid off, which I paid. However they didn't keep to their promise! The collection still shows on my credit report and due to that my credit has been impacted negatively.
09/14/2022	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt is not yours	TN 37923	Web
NCB ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) has been fraudulently reporting on my personal credit. This account has been addressed with NCB and XXXX under the fraud they have committed against consumers. I have sent certified mail return receipt and still its reporting. This debt with XXXX is FRAUD and they sold it to NCB after they claimed it was resolved. I am so tired and frustrated from these antics. How do they get away with violating a consumer. Please help me!
03/24/2022	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt is not yours	FL 33015	Web
In accordance with the fair credit reporting act NCB Management Services account # XXXX, has violated my rights. This debt was included in a multistate settlement between XXXX consumer and several states attorneys lawsuit including Florida state which its where my debt was issue. I need this account removed asap from my credit reports on all XXXX bureaus as which its affecting me to get credit. I dont have any contract or written agreement with this debt collection company.
01/06/2023	Yes	Vehicle loan or lease Lease	Struggling to pay your loan Loan balance remaining after the vehicle is repossessed and sold	TX 77504	Web
Ncb Management Services has reopened this account on my all 3 credit reports without my consent or permission or my signature on the original contract they have. It has been on my credit report for over 7 years and has not come off. The account is closed and reported as derogatory 120 days on my credit report and I continue to get denied when I apply for things. The balance reporting are not the same across all 3 bureaus one reports XXXX balance and other report {$9500.00}.
01/25/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	CA 93309	Web
XXXX has been non-compliant with removing the unverified account NCB MANAGEMENT SERVICES, INC. Opened Date XX/XX/2017 which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that NCB MANAGEMENT SERVICES , INC. was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
08/12/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	TX 75087	Web
NCB told me they didnt have to close the account they keep attempting to collect and that they were not able to locate a discharge order. Their account was discharged XX/XX/2021. This account needs to be updated with the credit bureaus to reflect as such. The account is no longer collectible and shouldnt remain as a open collections account. I am not responsible for this debt. Failure to comply I will forward to my attorney for further attempts to violate bankruptcy laws.
05/23/2017	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	CA 91423	Web
I received collections form this company before and I notified them several times that I filed bankruptcy in XXXX - XXXX and this old debt was included in that bankruptcy. Recenty I have been getting calls from this NCB c ollections agency and now letters regarding the XXXX XXXX XXXX I had a while ago. I need the collections to stop and the calls and letters as it is illegal to try to collect a debt that was included in my bankruptcy that w as discharged al ready
10/20/2020	Yes	Debt collection I do not know	Communication tactics You told them to stop contacting you, but they keep trying	VA 23602	Web	Servicemember
XXXX continuously contacted me for years to collect on a debt then sold it after charging it off to NCB Management and give them my emails which has never been an authorised form of communication with anyone to share but myself. That company proceed without any confirmation from myself or even contacting to create an account on my behalf without my permission. Sadly, I no longer have access to my previous phone where both of these companies were continually harassing me.
09/18/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL 32225	Web
According to the FCRA the following companies XXXX XXXX XXXX account XXXX NCB Management Services account XXXX XXXX XXXX XXXX account XXXX, & account XXXX have violated rights 15 U.S.C 1681 section ( A ) ( 4 ) I have the right to privacy 15 U.S.C 1681 section ( B ) ( a ) ( 2 ) nothing can be furnished to my consumer report without my written consent 15 U.S.C 1681 section ( A ) ( 3 ) ( a ) ( b ) ( c ) any medical bills or information should not be on my consumer report.
01/21/2023	No	Debt collection Payday loan debt	False statements or representation Attempted to collect wrong amount	CO 80401	Web
On XX/XX/XXXX, I agreed to a payment plan with NCB for 40 % of my balance, in installments of {$130.00} for 24 months, equaling {$3100.00}. I took a picture of the offer I accepted, where I clearly circled and wrote what I was agreeing to. On XX/XX/XXXX, I received a payment plan agreement from them. It was for twice the amount. XXXX payments of {$130.00} for a total of {$6300.00}. This is not what I agreed to. I have since emailed and asked them to cancel the plan.
01/26/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 33139	Web
I requested copies of my reports and this company NCB MANAGEMENT SERVICES has been reporting as collections. I do not have a debt with this company, I have never contracted with this company, nor has this debt been validated. I have filed an identity theft report which is attached. NCB MANAGEMENT SERVICES has no permissible purpose and is causing damages to me and my family as I am not able to get a credit extension due to the negative information the y are reporting.
10/04/2021	Yes	Debt collection Auto debt	Written notification about debt Didn't receive enough information to verify debt	KY 40219	Web
I received a response back from NCB management today XX/XX/2021 stating they had mailed verification documents to my current address on XX/XX/2021. I also called NCB and spoke to a supervisor, XXXX, who verified the address they had on file as well. It has been 13 days. The supervisor stated its regular mail but it doesnt take 13 days to receive mail. I believe this company is not able to verify debt or proper resell documents. If you are, please send certified mail.
02/22/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	OK 74403	Web
I have contacted XXXX XXXX five times since XX/XX/XXXX. Ive also contacted the three Credit Agencies and nothing is being done. XXXX XXXX is the debt collector for XXXX XXXX XXXX. I filed bankruptcy and received my discharge XX/XX/XXXX. This company as of XX/XX/XXXX is still reporting this account as OPEN with XXXX balance. I called XXXX XXXX this morning only to get hung up on. This debt collector is hurting my credit score. I would like to file charges on them.
10/21/2016	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	AZ 85635	Web
I bought a car XX/XX/XXXX. By XX/XX/XXXX same month. Car was totalled out. Insurance paid XXXX. In full. They even took XXXX from my service contract. In which I was suppose d to get all of that. They told insurance company car paid off. I have all insurance paperwork. It was never on my credit report until XX/XX/XXXX. 3 years later. They have turned collection over to ncb management services and they say I owe XXXX. Bull. They were paid in full. I do t owe anything.
09/21/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	MI 48180	Web
NCB Management Services , Inc 15 U.S. Code 1692c- Communication in connection with debt collection. Without the prior consent of consumer given directly to the debt collector or the express permission of a court of competent jurisdiction. a debt collector may not communicate with a consumer in connection with the collection of any debt. NCB Management Services , Inc is contacting me at any unusual time and place which is inconvenient for me, as well as embarrassing.
01/15/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	GA 30083	Web
RE : Debt Collection for XXXX XXXXXXXX XXXX XXXX NCB Management Services is trying to collect on a debt that is the result of identity theft. The attached documents have been received via usps mail by XXXX XXXXXXXX XXXX XXXX XXXX NCB Management Services . Due to the high incidence of fraud, I demand any documents presented as evidence of a debt be verified ( sworn under oath ) as valid. Once sworn evidence is received I will pay any debt owed plus 85 % interest.
07/31/2017	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	TX XXXXX	Web
I was denied credit due to a collection account that appeared on my credit. I saw that it was NCB MANAGEMENT SERVICES. They never sent me a notification or anything they just put it on my credit. I sent them a dispute and a request for validation of the account. I never owed anyone XXXX They also re aged the account as well. This has been going on for 95 days and NCB refuse to answer me. They continue to report this inaccurate unverifiable information on my credit.
05/27/2022	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	TX 752XX	Web
NCB Management Services trying to collect a debt that was charged off due Original Creditor XXXX got the vehicle in its possession and sold the vehicle. The debt is no longer owed. Balance {$0.00} ; account status-closed; XXXX XXXX XXXX XXXX POTENTIALLY NEGATIVE MONTHS Balance details 100 % of this account is paid off Balance on XX/XX/XXXX {$0.00} Account info Account number XXXX Account statusClosed Date opened XX/XX/XXXX Account type Auto Loan Status Charge-off
12/16/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	OR 97217	Web	Older American
XXXX XXXX which is a high interest loan is not updating my credit report in a timely manner. I paid the loan off in full on XX/XX/21. My credit report shows that I still owe {$2500.00} and that my last payment was made on XX/XX/21 ( 2 months ago. ) I've asked them to correct and they've advised me it should be corrected sometime in XXXX. By the way, the interest rate was 99.20 %. For that premium rate they could at least report to the credit bureaus in real time.
04/23/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	MI 48335	Web
On XX/XX/XXXX and XX/XX/XXXX I mailed NCB Management Service Certified letters asking them to verify that this debt, they claim I owe belonged to me. I never once received verifiable proof from them with my signature on any type of documents nor any type of paperwork stating that I had any type of legal binding agreements with them pertaining to this debt they claim I owe. Therefore, they proceeded to violate the FCRA and damage my credit. Balance : {$2900.00}
09/08/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	VA 22191	Web
NCB MANAGEMENT SERVICE- {$4100.00} XXXX XXXX XXXX XXXX {$1500.00} XXXX XXXX - {$900.00} XXXX XXXX XXXX - {$2800.00} XXXX XXXX XXXX - {$990.00} XXXX I am a victim of fraud, and I did not authorize these accounts to be opened. I am requesting this that the credit bureau investigate these accounts and remove them from my credit report. Please Delete all inaccurate information & respond to this letter within the next 30 days with the status of the investigation
08/20/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	MS 39120	Web
In accordance with the fair credit Reporting act the all credit collection accounts under my name has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for ar purpose.
03/21/2017	Yes	Debt collection Auto	Improper contact or sharing of info Talked to a third party about my debt	FL 34759	Web
I have received two voicemails from a XXXX from NCB Management with the following details : this is a purchased debt, looking to set up affordable arrangements and the call is from a debt collector. These voicemails have been left on a cell phone, which I have n't extended consent to call, and they 've left very detailed information on a line that is not registered to me nor does it identify me in the recording, which is high risk for third party disclosure.
11/17/2017	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was paid	LA 712XX	Web
XX/XX/XXXX XXXX and NCB financial have been harassing me about a vehicle I no longer have. This vehicle was stolen and was paid off by my insurance company in XX/XX/XXXX and they are still harassing me for {$4500.00} which Im not paying because I dont owe this debt I no longer have the vehicle ... they are repeatedly reporting this to credit bureaus monthly. Im not paying or liable for something that was stolen from me and paid for by the insurance company.
11/30/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	IL 60621	Web
This complaint is regarding accounts. Per track, it's been several months with no information given, no investigations performed, and timely updates. Violates federal 15 USC 1692gf. I never authorized or given permission per 15 U.S. Code 1681 ( b ), which violates permissible purposes moreover, 15 U.S. Code 1681e ( B ) The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reported.
10/25/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	LA 70817	Web
A certified letter was sent to NCB MANAGEMENT SERVICES INCORPORATED on XXXX ( United States Postal Services display " delivered '' from a company representative on XXXX at XXXX XXXX ; displaying their Violations of Fair Credit Reporting Acts. NCB MANAGEMENT SERVICES INCORPORATED has ignored the complaint, failed to respond, and failed to delete the company 's fraudulent reporting to XXXX, XXXX XXXX XXXX. Nevertheless, responded with a frivolous response.
03/22/2021	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	LA 70363	Web
I have tried several times over the past few years to resolve this matter with NCB and was told it would be dropped from my credit file. I have tried for several months to reach this company by all major credit bureaus and have filed disputes, by phone, letter, and email. but the company will not respond to my request to have this removed from my credit file although I do not owe a debt to the company and the credit file reflects a XXXX negative balance.
07/31/2018	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt is not yours	MD 21030	Web
NCB Management services is a company trying to collect on a debt that does not belong to me. The amount they are trying to collect is {$5600.00} dollars. I have asked for information to be provided to me to verify this debt. Under the Fair Debt Collection Practices Act I have the right to request validation of this debt. I request VALIDATION made pursuant to 15 USC 1692g Sec. 809 b of the FDCPA. This company is not licensed to collect a debt in Maryland.
03/28/2017	Yes	Debt collection Auto	Cont'd attempts collect debt not owed Debt is not mine	TN 37040	Web
I filed a dispute with the credit bureau. There is inaccurate information on my credit report. It is damaging and hurting my credit worthiness. I do not have a contract with the collection agency, that is reporting to all three credit bureau. I do not owe this collection agency. They should not be able to knowing violate the Fair Credit Reporting Act by reporting inaccurate information and failing to properly investigate the inaccuracies being reported.
08/08/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	GA 30506	Web
Back in XX/XX/2020 I applied for a loan for a vehicle with XXXX. I had set up to even look at a car. I never went and never got a vehicle out with the company. They dinged my report with a XXXX loan. We discussed this would be about the car price as well. However nothing was taken out from the company. No loan or anything of this matter should be on my report. I have attempted to dispute this matter and they keep coming back with this is a legit report
04/24/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	GA 30549	Web
I previously had a collection account with NCB management as a result from XXXX XXXX. The account was settled and paid in full in XX/XX/2020. I was told if I settled the account that the account would be removed from my credit report. It is still showing on my account but a XXXX balance. This is negatively impacting my credit score. I am respectful asking that this company honors the agreement and remove NCB management from all reporting Credit Bureaus
11/10/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	CA 93309	Web
XXXX has been non-compliant with removing the unverified account NCB MANAGEMENT SERVICES , INC. which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that XXXXNCB MANAGEMENT SERVICES , INC. was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
04/01/2022	Yes	Debt collection Auto debt	Written notification about debt Didn't receive enough information to verify debt	GA 30122	Web
Over the past year, I've written to both XXXX XXXX and NCB collections, asking them to prove that they complied with Georgia state law. Neither has responded with any documentation. All NCB could send was a statement. Not any of the 21 items I should've been provided according to state law. Therefore. Continuing to report the account by both companies is wrong! Continuing to attempt to collect the debt seems to be an FDCPA violation on NCB 's part.
02/11/2022	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was result of identity theft	TX 77084	Web
This debt collection company NCB has already been removed from other reporting bureau companies and should also be removed from XXXX. NCB is constantly being reported monthly with a balance which should have a zero balance as the collection agent. Also, reporting incorrect and inaccurate dates of payment and account status to re-age the account. This is a violation against the fair credit reporting act by the agent reporting fraudulent information.
10/18/2021	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	TN 378XX	Web
Got a call from a collection agency wanting me to pay a debt that I didnt know about, but I investigated it and it had been on there for a long time but I didnt fell like it was mine because I have never taken out a payday loan in my life. Collection agency kept calling and I wanted this gone so we settled on {$3000.00} and I payed it in one payment and that was 2yrs ago and its still on there. I willing to do whatever to get this off of me. Thanks
09/03/2021	Yes	Debt collection Auto debt	Written notification about debt Didn't receive enough information to verify debt	SC 294XX	Web
I have sent multiple letters asking for validation and the method of how they validated multiple fraudulent and questionable items on my credit report and have not received back anything in over 45 days for these accounts that are clearly inaccurate and fraudulent accounts. This credit bureau is disregarding the law and taking advantage of consumers and this has caused a big stress on my life. My most recent certified letter I sent was XX/XX/2021
06/27/2018	Yes	Debt collection Payday loan debt	Threatened to contact someone or share information improperly Talked to a third-party about your debt	NV 89002	Web
A debt collection company, NCB Management Services, somehow got a hold of a relative on XX/XX/18, after I had already spoke with them on XX/XX/18. They provided my relative with information that should not have been provided to them. They told them that they were trying to contact me for a debt collection and even provided them with the amount of the collection and what it was from. This information should not be provided to anyone other than me.
04/29/2016	Yes	Debt collection I do not know	Improper contact or sharing of info Contacted me after I asked not to	FL 32811	Web
XXXX XXXX with NCB management has called my place of employment where these calls are not allowed three times so far this month of XXXX 2016! He has been told repeatedly I can not take calls even repeating back that I said that three times already but continued to call me again today! He and his company are violating my rights and making my work stressful please do something about this! His number is XXXX XXXX XXXX XXXX ext XXXX thanks XXXX XXXX
10/10/2015	Yes	Consumer Loan Vehicle loan	Problems when you are unable to pay	MO 63020	Web
threatened to take the cosignor on an old debt to court. Solicited information from her about how to get my work information by threatening to take her to court. I have just started a new job and after 3 days of working they 've already managed to call. I work where personal calls are not allowed and I could be reprimanded. ive read complaints against this company refusing to send information in writing and demanding to settle over the phone.
03/25/2022	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	AZ 85339	Web
NCB MANAGEMENT SERVICEIS ATTEMPTING TO COLLECT AN ALLEGED DEBT FROM ME AND CAN NOT VALIDATE THE ALLEGED DEBT. THE ACCOUNT IS CURRENTLY A COLLECTION STATUS AND NCB MANAGEMENT SERVICEIS STILL TRYING TO COLLECT. I even submitted a cease and desist. I attach the letter too and they could not provide the promissory note of this alleged debt. NCB MANAGEMENT SERVICEis in violation of 12 CFR 1022.41 ( d ) integrity. I need this account DELETED now!
05/19/2020	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	RI 029XX	Web
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. This company is erroneously reporting information to the three credit bureaus ( XXXX, XXXX, XXXX ) and I need this damaging information removed, or I will have to resort to litigation for damages.
09/15/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 32824	Web
Received 2 phone calls on XX/XX/2020. The first call came in asking to speak with a family member in regards to a debt. I dont live with this family member so they are not supposed to call my cell phone to collect on a debt. I called them back and ask to remove my number from the dialed. Then a second call came in around XXXX from a different from number and they heard my voice and hang up the call. NCB management services incorporated
07/16/2021	Yes	Debt collection Auto debt	Communication tactics Used obscene, profane, or other abusive language	SC 290XX	Web
NCB Management Services violated I the natural person XXXX XXXX by sending me a letter stating that I owe a debt that I have no knowledge of. I have never entered any agreement with NCB Management and there were several violations that were committed on the the letter that I received from them that I will attach. They have went to the extent of reporting this debt to consumer agencies and damaging my report which is illegal and unlawful.
08/31/2017	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was paid	NY 13090	Web	Servicemember
This was a payday load with a very high-interest rate ( over 40 % ). My husband was in the XXXX and activated to full-time when I received this loan. I did not know about the laws concerning lending to military families. Furthermore, we qualified for XXXX so the rate should not have been more than 6 %. I called the company. the amount I had already paid back was over principal + 6 %. It was sent to collections and is on my credit report.
10/07/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	WA 99301	Web
NCB management services reporting my account is open after it was discharged in bankruptcy, and it showing a late payment every month as this account is closed and I have disputed it and nothing has happened and I contacted the company and they say they have a right to report it as that and I dont understand how as of every other account that was discharged in my bankruptcy has been removed from my credit report as it has a zero balance
11/17/2020	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	CA 90650	Web
NCB Management Services was collecting a debt and their collection agent promised me that if paid them they would delete the collection from my credit report at all credit bureaus, all I had to do was dispute it through the credit bureaus after I paid them. So I paid them and now I have disputed the account multiple times through the credit bureaus but NCB Management has refused to delete the account as their collection agent promised.
08/31/2023	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	WA XXXXX	Web	Older American, Servicemember
I never heard of this company or their client until the debt showed up on credit report as a debt in collections. I disputed it with XXXX. Response was I owed this debt. That's it. Did not receive any proof or verification. I called the debt collection company several times, only went to voicemail and I never received a call back. I wrote a letter in XX/XX/2023 via XXXX. No reply. I sent a second letter via certified mail, no reply.
12/18/2021	Yes	Debt collection Auto debt	Written notification about debt Didn't receive notice of right to dispute	SC 29223	Web
ncb management service at XXXX XXXX XXXX XXXX XXXX, pa XXXX submitted a collection account to my credit report on XX/XX/XXXX owing a past due balance of XXXX i dont know this company. i have never done any business with this company. this company does not have a contract with me or with my signature. .its stating account opened in XX/XX/XXXX, and a report date of XX/XX/XXXX. I havent recieved any correspondence from this company prior.
10/05/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	IL 604XX	Web
on XX/XX/2022 a certified letter was sent to ncb management requesting validation of debt. NCB never responded within to the 30 days alotted by law. This ia a violation of my rights under 12CFR1006.34 Also on XX/XX/2022 a certified letter was sent to XXXX XXXX XXXXXXXX requesting debt valadation under the 12CFR1006.34. XXXX XXXX claims to know nothing about any debt or card i may have had. SO please remove this from my credit report.
12/13/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	MD 21202	Web
I am writing to express my dissatisfaction with your failure to furnish the requested documents and complete the debt validation process, as stipulated in my previous correspondences via mail. Given these circumstances, I insist on the prompt removal of the account you reported from XXXX. The fact that this is just being reported to only once by the credit bureau means that this collection account is definitely unverified and unjust.
04/10/2023	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	TX 75252	Web
I discovered today on XX/XX/XXXX that a company calling themselves, NCB management services his place the collection account on my credit. I have no clue who these people are. I have received no voicemails. I have received zero written communication. It just pops up on my credit file. Now I know regulation of requires them to verify you have received written notification and notification of your right to dispute. This did not happen.
01/27/2023	No	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	FL 32277	Web
On XXXX XXXX- opened a collection. Account -- NCB MANAGEMENT SERVICE {$8000.00} that I owe I have never signed any written document saying that I owe this debt to the collector. They are violating my rights of the FCRA as a consumer. I do not know who they are and have not written consent from my end. Also, they have not verified that I owe this debt to this alleged company. Please have this removed from all three credit bureus.
05/20/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 77433	Web
In accordance with the fair credit Reporting Act XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 states i have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under a open end consumer credit plan as late for any purpose.
10/16/2023	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	FL 34983	Web
Sent requests on XX/XX/23 and on XX/XX/23 requesting copy of signed contract from original creditor, statements showing payment history ( they claimed to have ), and any identifiable information. They sent multiple collections emails that had an, account number, amount owed, and my information. The credit bureaus just allowed it and marked it as verified. My information has been part of several data breaches that I CAN NOT KEEP UP!
10/21/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	NM 870XX	Web
a company named NCB management services called my cell phone and did not leave a message. I returned the call and could not make contact with a live person. Instead I was transferred numerous times by recorder messages and finally ended up at a company voice mail box. In a stern, but polite fashion I instructed who ever receives this message to remove me from their call list, and informed them that I do not have any debt with them.
01/20/2023	Yes	Debt collection Credit card debt	Communication tactics Frequent or repeated calls	CA 95127	Web
The debt collector named NCB Management Services Inc. or XXXX is XXXX XXXX XXXX and calling her about my debt that is fraud. They called her XXXX times and were rude to her too, demanding she tell them where I am and that I am there, but she is lying to protect me. My mother lives in XXXX XXXX and I live in XXXX, so there is no reason to call her several times about my situation. She is a XXXX XXXX and causing her XXXX and XXXX!
05/05/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	MD 207XX	Web
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat payment on a credit card account under XXXX open end consumer credit plan as late for ar purpose.
06/05/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	AL 35209	Web
I am a victim of identity theft and this creditor Santander ( NCB MANAGEMENT SERVICES ) is reporting inaccurate information on my credit report and refuse to remove this account off of my report. I have sent in all of the documentation such as the ftc report and police report to solidity the information they needed the amount was XXXX but now they are still reporting almost XXXX Dates are XXXX they claim till now XX/XX/XXXX XXXX
10/22/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 78154	Web
THIS COMPANY IS REPORTING INACCURATE INFORMATION IN MY CREDIT REPORT ACROSS ALL THREE CREDIT BUREAUS. IT IS SHOWING A 120 DAY LATE ON THIS ACCOUNT FOR {$3000.00} DEBT THEY CLAIM I OWE, I SENT LETTER VALIDATION TO THIS COMPANY SO MANY TIMES FOR THE PAST YEAR BUT THEY NEVER BOTHER TO RESPOND AND GIVE ME A PROOF OR PROPER VALIDATION OF THIS DEBT. I AM TIRED DEALING WITH THESE COMPANIES. PLEASE HELP ME RESOLVE THIS ISSUE. THANK YOU.
04/18/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Problem with personal statement of dispute	IL 60411	Web
I have asked repeatedly for debt validation. I have asked for a copy of the original contract with my signature as well as itemized list of the balances owed. I also asked. The collection company has refused to provide the information. I am either placed on hold for hours with the phone repeatedly hanging up and no response to the letters. However they are reporting to my credit. Each report is reporting a different amount due.
01/03/2023	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was paid	FL 334XX	Web
The loan originated with XXXX XXXX. It was sold to NCB Management Service. This lender is trying to collect on a debit on that was paid for and settled on already by XXXX directly. My credit report clearly shows that XXXX XXXX was paid, sold to another lender, and then collected the monies owed and settled out the account. Now the 3rd party lender wont remove the same monies for over {$9000.00} that have already been paid for.
11/17/2020	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	CA 90650	Web
NCB Management Services was collecting for a debt I had, and their collection agent promised that if I paid them, they would delete it from my credit report at all credit bureaus, all I had to do was dispute it through the credit bureaus after I paid. So I paid NCB Management Services, and now I have disputed the account multiple times through the credit bureaus but NCB Management refuses to delete it from my credit report.
02/20/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	IL 604XX	Web
I have been trying to work with this account for the last 9 months however, I was never given any update or information of the results of the disputes I have submitted. This is a violation of my rights as a consumer. The account information is showing inaccurate informations, invalid account numbers and asterisk dont match or correspond to creditors also Re adding or re aging accounts this is violation and must be notified.
06/02/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	FL 33614	Web
I noticed an alleged debt put on my consumer report by you guys, I never received any communication from you prior to putting this on my consumer report. I am requesting 1099c of this account. This is unfair for reporting this account and be shown on my consumer report. I have attached my complaint letter and [ please read it carfully. If this situation is not handled accordingly, I will seek legal action against you guys!
01/11/2021	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	IN 471XX	Web	Servicemember
I spoke to NCBI management on XX/XX/2021. Representative named XXXX transferred me to a gentlemen named XXXX. They stated " We are not required to provide proof of Debt ''. " There is no such thing as pay to delete or settle to delete '' " We are not required to notify you '' I have paid them {$550.00}, but after being educated I asked to validate the Debt. They refused and said it is my job to verify the debt, not theirs.
08/22/2019	Yes	Debt collection Auto debt	Communication tactics You told them to stop contacting you, but they keep trying	TX 751XX	Web
The Statute of Limitations for this Debt Expired in XX/XX/2019. I have asked NCB Management to stop contacting me but they still continue to contact me on a debt that is no longer owed. The company is in violation of the Federal Debt Collection Practices Act, The Texas Debt Collection Act and The Texas Civil Practice & Remedies Code ( Section 16.004 ( a ) ( 3 ) ), which states that the statute of Limitations is 4 years.
09/24/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	WA 98208	Web
I had a car that was purchased with my XXXX husband and when we got divorced he stole the car and hid it. I assisted the authorities with the recovery and now it is showing up on my credit report with twice for the incorrect amount. They resold the vehicle but are attempting to collect the entire amount ( twice ). I have tried to fix the issue with them but i have two collections on my report for the same amount instead.
05/19/2016	Yes	Debt collection Payday loan	Communication tactics Frequent or repeated calls	TX 76180	Web	Servicemember
This company continued to contact my work phone number after receiving notice that calling the number was not allowed. The debt was under dispute with the credit bureau and when I spoke with someone regarding the continued calls and asked that something written be sent in the mail regarding the debt since it was under dispute due to my lack of knowledge of the debt. I was informed that I could " play this game all day. ''
08/29/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 77545	Web
IN accordance with the fair credit reporting act XXXX account has violated my rights. 15 USC 1681 section 602 states I have the right to privacy 15 usc 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 USC 1666B : a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
06/22/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	AL 36117	Web
The credit bureaus keep reporting my personal information as inaccurate, the last day active is inaccurate, and collection reported inaccurate. This is grounds for removal. They also violated my rights under the following : 15 U.S.C 1681 Section 602 A. states I have the right to privacy. 15 U.S.S 1682 Section 604 A Section 2 states a consumer reporting agency can not furnish an account without my written instructions.
05/02/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	OH XXXXX	Web
XXXX accepted an application from a thief and I sent them my police report that I never had this loan.someone got in my bank account stole money and un knowingly XXXX took money out of my bank account I asked them to send me back the money they stole instead they say it isn't fraud.the application doesn't have my email and contains incorrect facts like I'm on XXXX which I am not .this is wrong my identity was stolen.
11/21/2023	Yes	Vehicle loan or lease Loan	Getting a loan or lease Loan opened without my consent or knowledge	FL 32808	Web
This is an auto loan account that is being reported to the credit bureaus that I do not recognize and I am not aware of. This is clearly fraudulent. Listed below are the details. NCB Management Services Accnt # : XXXX Opened : XX/XX/2018 Balance : {$12000.00} Tried to dispute this account multiple times but the company did not take action on the dispute I filed. I am attaching my FTC Affidavit to back up my claims.
02/23/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	TX 75035	Web
NCB MANAGEMENT SERVICES for the last 2 yrs has tried to collect on a debt that has been written off and should nolonger be on my credit report. The original debt was a car loan through XXXX XXXX XXXX. This was written off in XX/XX/XXXXand and should have been removed from my credit report in XX/XX/XXXX. At that time NCB purchased the account, listed it as a open account and says that there is a balance of {$4800.00}.
10/22/2023	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	TX 799XX	Web
Keep receiving phone calls and voicemails that state they are a legal person regarding a legal matter and that it is very very important to contact them or legal action will be taken as a result... This type of behavior is uncalled for especially when I have requested a written contract to show my official signature on it validating any kind of debt to this or any agency trying to attack my credit score and reports.
11/09/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	CA 93307	Web
My name is XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. The Credit Bureaus are reporting inaccurate information on NCB MANAGEMENT SERVICE. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
03/02/2021	Yes	Debt collection I do not know	Communication tactics You told them to stop contacting you, but they keep trying	VA 223XX	Web
I asked this company for a debt validation letter, which I have never received. They call me 4 times a day EVERY DAY. They call my work phone twice a day and my cell phone twice a day. They call from a Maryland number but as far as I know, they are not located in Maryland. I have asked them to stop calling my work. This is a violation and they continue to do it. They are harassing me even after I asked them to stop.
10/29/2022	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	AZ 85225	Web
Fdcpa stated I have a right to a proper investigation. I need proper VALIDATION : NCB MANAGEMENT SERVICES # XXXX. I need the following validation : copy of the original contract with signature, full copy of payment history, name and address of original creditor, proof of the debt assignment. By law you have 30 days to respond this is validation any inaccurate information must be removed immediately. Best regards,
02/08/2022	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was result of identity theft	FL 33436	Web
A payday loan was opened in my name through identity theft. Filled with the FTC and mailed documentation to the bank and to the debt collector. The bank reviewed and found the claim of identity theft to be legit and removed debt from my name and from the credit bureaus. The debit collector ignored my letter and sent a second letter to collect. I have sent a follow up letter from the FTC identity theft page on XXXX.
06/21/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 77545	Web
In accordance with the Fair Credit Account XXXX account NCB Management Services ( XXXX XXXX ) account number XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. They are also pulling unauthorized inquiries on my credit report.
05/06/2022	Yes	Debt collection I do not know	Communication tactics You told them to stop contacting you, but they keep trying	TX XXXXX	Web
I filed a complaint about this company with CFPB on XX/XX/2021 complaint # XXXX about a alleged debt that I have disputed and continue to dispute. I requested that all collection and credit reporting cease and desist to no avail has this occurred and the alleged proof and frivolous explanation is not acceptable. I continue to receive unwarranted calls from this abusive agency after requesting cease and desist..
08/21/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	GA 30180	Web
I had a car financed through XXXX and the car was repoed in early XXXX. The account was sold to XXXX and I paid it off in XXXX ( settled for less than what was owed ) but they consider it paid in full. Both XXXX and XXXX show it paid in full but thats they problem ... they both show it so it is a duplicate reporting of the same debt. Ive contacted them over and over but they and they refuse to remove one of them.
05/24/2023	Yes	Debt collection I do not know	False statements or representation Indicated you were committing crime by not paying debt	LA 710XX	Web
I am contacting you to request the prompt removal of the following accounts and associated information from my consumer report. It is imperative that these accounts and information are not reported on my consumer report, as this constitutes a clear violation of the FDCPA and FCRA. I insist on their immediate deletion to rectify this legal infringement. Please remove these accounts and information without delay.
01/17/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	OR XXXXX	Web
Received a letter from a debt collector ( Management Services XXXX ) regarding an account with XXXX XXXX XXXX XXXX NCB Management Services purchased this account. Letter states as of XXXX XXXX, 2021 I owed XXXX. Never dealt with either company. The XXXX & phone number used to obtain the account is not mine ( or anyone I know ). I have filed a fraud report with local PD ( Incident # XXXX. The debt is NOT MINE!
05/12/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	SC 294XX	Web
I total my car in XX/XX/2018 XXXX XXXX an XXXX didnt paid off the car an left a balance. Instead of the car people going after them the came after me. Threatening me about me damaging my credit if the balance aint paid an now a year or so later the sold my information without my consent or knowledge to a company who is harassing me about the balance. Its not my fault they wasnt paid I made my payments on time
04/14/2023	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	IN 47130	Web
Back in 2019 XXXX XXXX was sued due to increasing instrests and raising carpayments. My car was so in this lawsuit. By understanding after was taking by them and not doing there part they then sold my account. The lawsuit also stated for a compensation and I never got anything but billed a strange amount that isn't mine and no car! It is hurting my credit and I can't get another car because of it. Please help!
11/06/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	GA 314XX	Web
My name is XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. NCB ( XXXX XXXX XXXX XXXX ) was mistakenly reported on my profile. Had your record-keeping been accurate, and where is the proof of payment history? The XXXX Credit Bureau is willfully in violation of FCRA and condoning illegal behavior, they MUST correct or remove this collection account immediately.
07/18/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL 33185	Web	Servicemember
This Company NCB Management Services Incorporated, I do Know this company Has Many complains, This Company Attempts to collect debt not owed From me. I did send a Dispute Letter to the Credit Bureaus then responded was Verified by the NCB, Then I disputed to the Creditor Asking by Proof of my signature but they don't have it, so please I do want you to investigate I'm going to attach proof of this Thank you.
08/03/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	FL 32713	Web
A detailed look at my credit report I found that the reported balances are inaccurately reporting {$22000.00} ( XXXX ), {$22000.00} ( XXXX ), {$14000.00} ( XXXX ) when I reviewed the information presented reflects that The original balance was XXXX. The deficiency balance was reported as {$7300.00} but on the account statement it reflects that the balance is {$5200.00}. Clearly the reporting is inaccurate.
09/03/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 76502	Web	Servicemember
XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX XXXX ( XX/XX/XXXX ), NCB Management Services NCA ( XX/XX/XXXX ), XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ), XXXX XXXX XXXX ( XX/XX/XXXX ) and XXXX XXXX XXXXXXXX XXXX ( XX/XX/XXXX ) has violated my rights with the reporting to my credit report.
05/19/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NJ XXXXX	Web
Complaint ID XXXX has ben closed without proper documentations being provided and within the appropriate time frame. Per NCB they claim to have provided the necessary documents to verify or validate the alleged debt. As Per CFPB 1006.34 Notice for validation of debts all items should be provided and I have not received these in its entirety and for this should be removed from my consumer report immediately.
07/05/2018	Yes	Debt collection I do not know	Written notification about debt Notification didn't disclose it was an attempt to collect a debt	CA 94585	Web
On XX/XX/XXXX I sent NCB Management Services a Cease and Desist letter that was delivered and signed on XX/XX/XXXX. On XX/XX/XXXX I sent NCB Management Services a copy of a complaint letter that I sent the Bureau of Financial Protection. The letter was delivered on XX/XX/XXXX. NCB Management Services has not been in compliance and are in violation of the FCRA and FDCPA. Please see enclosed documentation
07/15/2015	Yes	Debt collection Credit card	Disclosure verification of debt Right to dispute notice not received	CA 92399	Web
I 'm contacting your agency to understand why my account with XXXX XXXX XXXX would be transferred to a collection agency and per the letter from the agency account is in a delinquent status. I understood only collection accounts are turned over to agencies for payment. The letter from the agency is dated XX/XX/2015 and XXXX XXXX XXXX has just processed my latest payment to them on XX/XX/2015.Please advise
06/09/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	NV 89101	Web
Despite my multiple efforts to address the presence of fraudulent, inaccurate, and misleading items on my consumer report, the issue remains unresolved. The inclusion of these items has had a profound impact on my life, causing immense stress and anxiety. It is crucial to reiterate that I never authorized any of this information to be associated with my name, as I have fallen victim to identity theft.
06/16/2022	Yes	Debt collection Auto debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	SC 294XX	Web	Servicemember
XX/XX/21 NCB threatened to make my credit bad and stop me from establishing good credit again. They open this account on XX/XX/21 without my awareness. And reported to the credit bureau as a collection account. Once they seen I was trying to purchase a home the company then made the account an open account on my credit. Now the account is on my credit is an open account that I just started with them
09/14/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Attempted to collect wrong amount	CA 91402	Web
I recieved a call from a XXXX XXXX claiming he was collecting for his client XXXX mutual. Call back number is XXXX ext.XXXX claim number XXXX. He claimed I had been in an accident back in 2015, but I was n't. He had an old address of mine my full name but wrong date of birth. I have brought this to my car insurance awareness already and I was hoping this agency could futber look into this. Thank you
01/31/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	OK 74403	Web
XXXX and XXXX a is reporting XXXX XXXX and NBC Management as open and in collection on my credit report. This information is not correct because they was included in my bankruptcy. I have called several times and I do t get any results. The people that answere the phones can’t understand English. They say they have disputed it but when I call back within 39 days they have no record of my disputes.
09/14/2023	Yes	Debt collection I do not know	Communication tactics Used obscene, profane, or other abusive language	VA 22406	Web
NCB contacted me and my mother both separately about her supposed debt, and did not identify who they were collecting for or that it was a collect call. The caller was rude and incredibly testy, stating that he could not discuss the business of the call with me until mom cleared it. In short- they were attempting to hide the nature of the call, and grew angry when they could not maintain secrecy.
03/10/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	NY 12553	Web
In accordance with the fair credit reporting act XXXX act # XXXX has violated my rights 15 USC 1681 section 602 States I have the right to privacy. It also states a consumer reporting agency can not furnish my account without my written instructions. 15 USC 1666B states that a creditor can not treat a payment under a credit card account under a open end consumer credit plan as late for purpose.
09/06/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	MN 564XX	Web
NCB Management Services calls my home phone number EVERY SINGLE DAY for SEVERAL MONTHS! They never leave a message. The one time I was home and they called, I answered the phone and asked what they wanted. They were looking for someone named XXXX. I do not know anyone with this name. I asked them to PLEASE STOP CALLING ME! They continue to call my home phone number EVERY DAY! THIS NEEDS TO STOP!
11/10/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	CA 92584	Web
I negotiated and paid a collection account with NCB Management- which is the collection agency for XXXX XXXX ( pay day loan ). It was agreed that upon receipt of the negotiated payment- the collection agency would cease all collection activity and the account would be deleted from all credit reporting bureaus. Initially the account was deleted and has now re-appeared on the XXXX credit report.
03/19/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	TX 752XX	Web
NCB Management Services Inc. agree to remove the collection item from credit report after negotiated payment was sent. its been almost 30days and collection items are still on my credit report i have letter stating that they will remove it what we agreed on and i also have proof of bank statement with payment has been sent. i am not sure what to do at this point and i really need your help.
02/25/2021	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	NM 87505	Web
Everyday I receive a call with a caller ID indicating it is coming from NCB Management Services. The calls are using spoofed numbers other than numbers on their web site. Numbers include XXXX, XXXX, XXXX, XXXX. These numbers are obvious spoofed. No messages are ever left. The company has failed to provide a written notification of alleged debt. There is absolutely no reason for repeated calls.
07/15/2021	Yes	Debt collection Credit card debt	Communication tactics You told them to stop contacting you, but they keep trying	LA 70122	Web
NCB management will not harassing me. I sent them a Cease and desist certified mail which they received on XX/XX/2021. They keep sending me invoices for an alleged debt they dont even have the authority to collect on. My credit shows XXXX as the owner of this alleged debt. I have asked numerous times for them to stop contacting me and sending me items that dont even qualify as debt validation
11/06/2017	Yes	Debt collection Credit card debt	Communication tactics You told them to stop contacting you, but they keep trying	ME XXXXX	Web
Apparently XXXX XXXX XXXX XXXX XXXX XXXX Pennsylvania has repeatedly phoned my friend 's house demanding to speak to me about a debt. My friend has already told them I do not live there and asked them to stop phoning. NCB staff are phoning my friend every single day. When my friend picked up the phone yesterday, the caller was completely silent. This appears to me to be deliberate harassment.
05/09/2023	Yes	Debt collection I do not know	False statements or representation Indicated you were committing crime by not paying debt	FL 33056	Web
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reporting on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and remove off of my consumer report immediately as its violating several laws. Remove these account and information immediately!
02/21/2022	Yes	Debt collection Payday loan debt	Communication tactics You told them to stop contacting you, but they keep trying	NV 89178	Web
XXXX XXXX sold debt to NCB XXXX XXXX NCB Management Services Inc . Address : XXXX XXXX XXXX XXXX, PA XXXX Customer Inquiries : XXXX Business Inquiries : XXXX Email : XXXX They call me daily, if not several times per day. Each time I have answered and simply stated to stop calling this number. I also filled out their Opt-out form via their website. I do not want them calling me any longer.
08/22/2023	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive notice of right to dispute	FL 32940	Web
My wife was connected by XXXX XXXX XXXX on XX/XX/XXXX. I have had no prior communication. Whatever account was not registered in her name or contact information. I reached out on XX/XX/XXXX for a debt validation letter. I haven't received one. Its has been over 5 days since requested or an option to dispute the debt. Stated debt was from XXXX XXXX XXXX, which I have never held debt with.
08/09/2022	Yes	Debt collection Auto debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	GA 30260	Web
This company NCB Management has harassed me about a dent in the amount of {$14000.00} in the months of XXXX, XXXX, and XXXX year of XXXX have asked them not to harass me call nor send me emails and they continue to do it they also said that my debt will continue to harm my credit until I pay them which I do not owe them I owe XXXX company Ive never XXXX any contracts with NCB Management .
07/29/2018	Yes	Debt collection Auto debt	Written notification about debt Didn't receive notice of right to dispute	GA 30519	Web
Debt ( {$9200.00} ) was from XX/XX/XXXX by XXXX, Debt was parked and resubmitted on XX/XX/XXXX, incorrectly put the age of the account from 3yrs to 1 yr, information on credit profile is incorrect and have disputed with the Credit Companies, they files as other however it is a auto, never sent me information about parking debt or that it is a valid debt to pay, no contact from NCB at all
08/06/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	GA 30127	Web
NCB has called twice trying to collect a debt belonging to a man from what sounded like his XXXX (? ) account. I was told the name ( mine ) attached to the phone number they 've been calling does not match the name they are trying to reach, nor does my address ... yet they keep calling. I was forwarded to a supervisor who assured me NCB would not be calling again. All calls are recorded.
06/10/2022	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt is not yours	IL 60462	Web
XXXX XXXX XXXX fraudulently sold my information to this company. This is not my debt in the first place. They keep calling all during the day harassing me this matter and I keep telling them they have the wrong guy. That still doesn't stop them from calling. I tried calling XXXX about this matter but all they have is an automated service and its pretty much impossible to reach anyone.
11/28/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	TX 77065	Web
I notified this NCB collection agency on XX/XX/2022, for complete verification and notified them that this suspicious account is In dispute because of the possibility of identity theft. This collection agency has failed to provide me with the essential verification as required within the required time. I have never received any collection letters from said agency required by law.
01/07/2022	Yes	Debt collection Payday loan debt	False statements or representation Attempted to collect wrong amount	CA 90046	Web
I made a written agreement with NCBI credit management and they furnished me a letter stating they would delete the collection account and verbally told me so over the telephone in XX/XX/2021. They re-nigged on the agreement and now it is still showing up on my credit. I call them and I get nothing when I call 10 times a day several days in a row. This company is run by scam artists.
11/16/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	FL 33313	Web
I originally sent letter by certified mail receipt XXXX XXXX XXXXrequesting validation and I never received any documentation indicating this debt belongs to me. I sent a follow up letter XX/XX/2021 and didnt receive any reply. Thats past the 30 day time frame permitted to validate debt. Im requesting removal of account. Ive attach documentation that Ive retained for record purposes.
02/02/2023	Yes	Debt collection Auto debt	Communication tactics You told them to stop contacting you, but they keep trying	TX 77429	Web
I started speaking with the company early XXXX XXXX XXXX, mentioned my situation an told them I would reach out when I was ready to resolve debt after that Ive received frequent calls every following week sometime multiple times in a day, I finally answered an told the agency to stop reaching & theyre still contacting me every other day & company has never sent documents I asked for
06/13/2021	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	TX 77057	Web
NCB Management Services located at the XXXX XXXX XXXX, XXXX XXXX. Contact number XXXX. This company purchasing accounts from creditors that has be filed under bankruptcy and or dismissed and reporting accounts to the credit agencies as valid and collectible dept. I contacted the credit agencies and was informed to contact CFPB to have issues resolved due to the fraudulent practices.
09/12/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	OH 45069	Web
I am not looking for this complaint to be changed to a request for a dispute. Ive done that already. I am looking for this information to be DELETED per the FCRA. They have had 6 months and 3 dispute letters sent to resolve this and they have failed. Now it is time to DELETE the accounts per the FCRA. Please do not close this complaint without resolving this completely. Thank you
04/26/2023	Yes	Debt collection I do not know	False statements or representation Indicated you were committing crime by not paying debt	FL 33610	Web
I have been requesting for this company to send me validation of debt to clarify everything about this alleged debt but not only they have failed to send me information, but they are also reporting false information to the credit bureau which is damaging my character. My information may have gotten to the hands of the wrong people and this may be the result of such an incident.
12/09/2022	Yes	Debt collection I do not know	False statements or representation Indicated you were committing crime by not paying debt	LA 710XX	Web
I have been requesting for this company to send me validation of debt to clarify everything about this alleged debt but not only they have failed to send me information, but they are also reporting false information to the credit bureau which is damaging my character. My information may have gotten to the hands of the wrong people and this may be the result of such an incident.
10/10/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	MS 39564	Web
On XX/XX/2022 I directly contacted NCB MANAGEMENT SERVICES, INC. Through priority mail to validate a debt according to CFPB XXXX Notice for validation of debts. The company failed to validate the debt within the 30 day period of my request. The debt is not valid. I have attached a copy of the letter mailed to them along with the proof of my Identity I mailed to them as well.
05/10/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	MD 21040	Web
On my credit report my information was released to companies that i have not done any business with. I have not authorized or gave any written consent for any of my information to be released. This is a violation under, 15 U.S Code1681b. A collection account was opened in XX/XX/XXXX by NBC Management Services unlawfully, an account opened XX/XX/XXXX by U S Dept Of EDXXXX .
10/19/2021	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was result of identity theft	UT 84651	Web
XXXX account was opened in my name, however it was a result of identify theft. Reports have been filed and original company even verified it was fraud and removed the debt then continued to sell the debt to a debt collection agency and re add it to my report. Please tell them to cease trying collect on this account which is not mine and removed it from my report immediately
10/13/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	AL 352XX	Web
This debt is a result of Identity theft and this needs to be removed immediately. The debt for XXXX XXXX has been previously disputed, removed and then was sold to a collection company and put on my credit report again after being previously removed. I checked my report and they are being reported as deragatory. This is keeping me from buying a home and my job of choice.
09/22/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was paid	CA 92139	Web
NCB MANAGEMENT SERVI Last reported XX/XX/XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX ( XXXX XXXX XXXX XXXX XXXX Account status Open Type -- Responsibility Individual Remarks Account paid for less than full balance Paid collection Account previously in dispute - Now resolved by data furnisher Original creditor name XXXX XXXX XXXX XXXX
12/26/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	TX 77081	Web
NCB knows this debt is fraudulent. They were told this multiple times. I was a victim of identity theft. My wallet and passport were stolen at the time. Not only do I not owe them a simgle dollar. I will also seek damages for all the derogatory remarks they'e been adding to my report in harrassment. I attached below a copy of my stolen passport report confirmation.
07/21/2022	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was result of identity theft	FL XXXXX	Web
I did not authorize nor consent to the following collection account being furnished to all major reporting agencies on my consumer reports : NCB MANAGEMENT SERVICES, INC. I also did not authorize nor consent to the following collection account to collect a debt and harass me by continuously calling my phone, mostly when I am working : NCB MANAGEMENT SERVICES, INC.
06/04/2021	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt is not yours	AL 360XX	Web	Servicemember
NCB Management Services is contacting me about a auto loan from XXXX XXXX. XXXX had to settle in 34 states and work to repair the credit of those affected. I wasnt 60 days past due when they took my vehicle. They then sold the car and sold the debt to NCB Management with whom I have never done business. I keep getting harassing calls and threats from this company.
01/07/2022	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	GA 30213	Web
This account is inaccurate and an FCRA violation. NCB MANAGEMENT SERVICE # XXXX. I'm unaware of this account and did not receive notification about of debt. If you believe you provided notification, please PROVIDE CERTIFIED RECEIPT. Also, please provide Assignment of Debt, Validation of Debt, and Method of Verification. Please honor all request of documentation.
01/10/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	TX 76021	Web
NCB Management has an account reporting on my credit report with XXXX. It shows opened XX/XX/2016 and has an open status. This does show included in bankruptcy in the notes and a XXXX balance but they refuse to close this account. I disputed this with them and XXXX but have not had this corrected. It is still showing open and under my collections on my report.
01/09/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33068	Web
I have contact all 3 credit bureaus to inform them of fraudulent activitys on my credit.i also sent copies of police reports where there were someone who was arrested for using my name my social security. I would appreciate all things on my credit be removed and not placed back on my credit with this fraudulent activity it stops me from being able to get credit
04/05/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not disclosed as an attempt to collect	OH 43081	Web
On XX/XX/2017 I received a call from NCB Management ( XXXX ) regarding an account I have with XXXX. At no point during the call did she advise me this was an attempt to collect a debt and that any information obtained would be used for that purpose. This is a blatant violation of the FDCPA and I 'm requesting the debt to be erased or restitution made to myself.
08/18/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	MO 655XX	Web
XXXX Report Number : XXXX Date Generated : XX/XX/2020 Account Number Starts With : XXXX Collection Company : NCB MANAGEMENT SERVICE Amount Owed : {$9200.00} I am not liable for this debt with XXXX XXXX XXXX . I do not have a contract with NCB MANAGEMENT SERVICE. Neither XXXX nor NCB MANAGEMENT SERVICE has provided me with the original contract as I requested.
01/13/2023	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Loan balance remaining after the vehicle is repossessed and sold	GA 30132	Web
car was repossessed in XXXX due to late payments during the XXXXXXXX XXXX. I communicated with the company that I was not able to work due the XXXX and would only be able to make below the minimum payment. I never received a notice of repossession prior to the car being taken and now I am still being contacted about the past due loan balance by debt XXXX.
04/21/2020	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was result of identity theft	CA 91405	Web
NCB MANAGMENT SERVICES Last reported XX/XX/2020 {$4700.00} Open balance XXXX XXXX XXXX XXXX XXXX XXXXXXXX Original creditor unfortunately this is the only Information shows on my credit report, don't show account number or a telephone number to call, I already dispute this with XXXX and XXXX it was no response from them please help me to resolve this thanks
06/28/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	NY 146XX	Web
I have attempted to dispute hard inquiries and a collection through XXXX I wrote letter Ive reached to credit who informed me that a dispute must go thru XXXX however none of their investigations have yielded any results. I reached out NCB Management regarding this collection which is not my debt nor do I have any contractual agreement with NCB Management.
03/09/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	FL 33142	Web
keep on receiving notices for a debt collection company called NCB MANAGEMENT SERVICE, Stating that I owe {$4100.00}, I never dealt with this company or owed them money. I spoke to NCB MANAGEMENT SERVICE, I told them to verify this debt, they still haven't provided me proof, and there are still trying to collect this debt and report it on my credit report.
11/28/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	MD 212XX	Web
Good afternoon, Ive previously disputed this debt XXXX with a letter and phone call. The reporting for this debt is wrong, date opened, last active to name a few. Please see attached credit report, the notes read previously furnished however the information is still incorrect. The fair debt collection practices act had been violated on numerous occasions.
08/10/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	TX 77477	Web
In XX/XX/XXXX, I opened an auto loan account with XXXX. During XXXX, I was not able to maintain the loan and the vehicle was repossessed. I believe my last payment was made in XX/XX/XXXX (? ). The account has apparently been sold to NCB who appear to be reporting this account as new and delinquent, which is having a significant impact on my credit report.
12/08/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 76011	Web
My information was sold and bought illegally because I was a victim of the XXXX data breach. I want these items Deleted from my credit reports effective immediately. I am attaching proof that XXXX has admitted that I was in fact a victim of this data breach and XXXX has done nothing. Please help me delete these illegal accounts from. my credit reports.
03/09/2021	Yes	Debt collection Private student loan debt	False statements or representation Attempted to collect wrong amount	PA 159XX	Web
I paid off a company who led me to believe that after the debt was pays they would remove completely as paid in full. I made them aware that the debt amount was wrong and included illegal overages so they said they would lower it. Once paid they marked as settled for less. You can see in the contract they implied no settle for less would be there.
01/01/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 77074	Web
I have disputed XXXX through multiple sources. After much work the XXXX account was removed from my XXXX credit file. The XXXX account also needs to be removed from XXXX and XXXX credit files as well. The collections account for santander, Ncb management, needs to be removed as well. If the XXXX account is not valid neither is the collections account.
12/02/2021	Yes	Debt collection Auto debt	Communication tactics Frequent or repeated calls	MD 217XX	Web
NCB Management keeps calling my phone and they have placed a collection on my account. The phone calls are everyday and my voicemail is always alerting me they have provided no proof of this debt and now they put a collection onto my credit report has really hurt my score I was in the process of trying to buy a house and out the blue here they come.
08/11/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	TN 37209	Web
NCB MANAGEMENT BOUGHT A CLOSED AND SETTLED DEBT FROM XXXX XXXX XXXX XXXX WAS PAID OFF WITH A SETTLEMENT CHECK AND ACCEPTED THE SETTLEMENT AS PAID IN FULL THEY CLOSED THE ACCOUTN AND CHARGED OFF. i DON'T OWE XXXX XXXX OR NCM MANAGEMENT THAT BOUGHT A DEBT CLOSED AND PAID OFF. I WANT THIS REMOVED FROM MY CREDIT REPORT I DON'T OWE THIS COMPANY ANYTHING
05/02/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	CT 06010	Web
Th e reporting agency XXXX XXXX XXXX are committing fraud against me. By reporting information that resulted in identity theft, pursuant to, 15 U.S. Code 1681 ( e ). Also 18 U.S. Code 894, they have and continue harming my my name as consumer and ruining the fact of presenting a better credit score if it wasn't for these fraudulent occurrences.
07/20/2022	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Collected or attempted to collect exempt funds	IL 60156	Web
For the past XXXX or so years now I had to repeatedly tell this company to stop calling my number, I told them many times that this is the wrong number and clearly they kept calling, until I told them I would report this company if they kept calling. Since then they havent called since but the they did try to collect on exempted funds previously.
03/01/2021	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	NM 87505	Web	Older American
I reported illegal collections tactics by NCB Management on XX/XX/2021. The illegal tactics included daily phone calls with no messages and no demand letter. The calls stopped, and now the company has reported a debt I do not owe to the credit bureaus, another violation of the FDCPA. I was notified by XXXX of the derogatory report on XX/XX/2021.
11/15/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	TX 77346	Web
I sent a letter requesting documents to NCB management after disputing with all 3 reporting agencies and having the account reflect differently on each account but never received a response. NCB received the letter on XX/XX/2020, and I have still not gotten a response however they continue to verify the account with the credit reporting agencies.
03/29/2018	Yes	Debt collection Auto debt	Written notification about debt Didn't receive enough information to verify debt	PA 18951	Web
I have been disputing this very old debt on my credit multiple times. They have not provided any proof of the debt or a copy of the contract or deficiency balance to determine the account is reporting accurately. I do not agree with what they have reported and they won't respond to me. They have violated 15 USC 1692 FDCPA and 15 USC 1681 s-2 FCRA
05/22/2018	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	SC 29301	Web
I have been on the Do Not Call Registry for about 4 years now and I am getting calls from debt collectors when I have NO DEBT!!! There is NO excuse for them not obeying the law & failing to update their databases. This recent call is from NCB Management at XXXX. There have been others with different numbers but not sure if from the same company.
09/11/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	CA 90044	Web
I have tried for many years to dispute this item of my credit with XXXX. They have failed to look at the facts and request a copy of the original contract. I have also tried disputing this item with CFPB as well. I now have supporting documentation to show the dates and information provided to the credit bureaus are fraudulently being reported.
03/03/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33805	Web
I WAS A VICTIM OF IDENTITY THEFT SO THIS WAS ONE OF THE ITEMS. I SENT THEM A COPY OF MY IDENTITY THEFT REPORT AND I ALSO SENT IT TO ALL 3 MAJOR CREDIT BUREAUS BUT THEY STILL HAVE NOT DONE ANYTHING TO CORRECT THIS. I KEEP ON SENDING OUT LETTERS AND DOCUMENTS BUT THEY SAID THAT THEY VERIFIED THAT THIS IS MY ACCOUNT. I DON'T KNOW WHAT ELSE TO DO.
02/13/2017	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	SC 29223	Web
NCB Management Services , Inc is attempting to collect a debt does not belong to me. They continue to send me information trying to verify debt i by a bank account number that is not mine, but also further no signature of mine on any documents. They continue to call and harass me about the debt, and I have asked them to discontinue calling me.
05/15/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	CA 93551	Web
XXXX, mailed a letter to NCB Management Services to validate debt. They have not responded in a timely matter. XXXX and XXXX have deleted the account from my kredit profiles. According to FCRA section 611 ( a ) 6 and 7 gives us the right to request a method of verification. NCB has failed to provide the method of verification within 15 days.
12/21/2019	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was result of identity theft	TN 37167	Web
Spoke to NCB Management about this account and advised them that the original creditor removed this debt because it was a result of identity theft. The original creditor from my understanding is XXXX XXXX They indicated they were not aware when they purchased the debt and further action would cease. Now they have put it on my credit report.
02/18/2023	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was result of identity theft	MD 20785	Web
IVE BEEN A VICTIM OF IDENTITY THEFT, SOMEONE WHO STOLEN MY IDENTITY OBTAIN A LOAN WITH NCB MANAGEMENT SERVICE Original creditor : XXXX XXXX XXXX ON XX/XX/2018 IVE TRIED COMUNCATE WITH THEM REGARD THAT FRAUDULENT ACCOUNT NEVER GOT A RESPONSE FROM THEM. I WROTE LETTERS AND HAD TO MAKE A POLICE REPORT MAIL IT TO THEM AND NEVER GOT A RESPONSE
06/22/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	KS 67207	Web
Told them 1 year ago to stop calling me, they are trying to collect a debt for a XXXX XXXX, they told me they wouldnt call me anymore, but called me 100+ times over the course of the year. As im a truck driver i hardly have time to take these calls, as either im busy or it would be dangerous to do so. This is ridiculous and needs to stop
10/16/2022	Yes	Vehicle loan or lease Loan	Getting a loan or lease Fraudulent loan	MD 21217	Web	Servicemember
As a young lady I was never educated about my credit or even checking my credit. Now that I am older and want to purchase a home I Started educating myself more about my credit and Started to look at my credit more. I realized that my identity was used, which I do not understand how people or a person was able to open accounts in my name
07/22/2022	Yes	Debt collection Auto debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	MD 21703	Web
Under Maryland law a debt collector has no legal right to collect a debt that is more than 3 years old. this auto debt was charged off by the lender in 2018. I was successful in getting it removed from my credit report only for a debt collector to report it to the credit bureaus after over 3 years and has succeeded in damaging my credit
12/09/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	CA 92869	Web
They are attempting to collect a debt for {$6500.00} that does not belong to me. I was a victim of identity theft. they have not provided me with a validation of debt or any other document proving this is legitimately my debt. They are still reporting it to the credit bureaus as a collection. it is severely affecting my credit score
09/29/2023	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Sued you without properly notifying you of lawsuit	GA 30519	Web
I have been receiving letters from different lawyers regarding this debt. I have also sent a correspondence letter to the debt collector to verify/confirm this debt and have not heard from them and this was months ago. Now Im being sued for a debt I have no knowledge of and no one can seem to verify. And getting threats of garnishment
08/20/2019	Yes	Debt collection Payday loan debt	False statements or representation Attempted to collect wrong amount	CA 90201	Web
Ncb management service a debt collector trying to collect a debt that I don’t recognize, a wrong balance they have it as an open account reporting it every month with a balance . They are violating my rights and damaging my credit score is costing me money . I demand to delete it of my XXXX credit report and any other credit agency!!
05/20/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	NJ 07060	Web
In accordance with fair credit reporting act XXXX account XXXX XXXX XXXX. Original creditor XXXX XXXX XXXX. Have violated my rights. 15 USC 1681 section 602 : states that i have the right to privacy. 15 USC section 604 A Section 2 : also states a consumer reporter agency can not furnish an account without my written instructions.
07/28/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	TX 75087	Web
NCB management services ( collection ) was included in my Chapter XXXX bankruptcy on XX/XX/2021. This bankruptcy has been discharged including this debt. NCB CONTINUES to report this account as open and derogatory. NCB can not legally collect on a debt discharged in bankruptcy they are violating my consumer rights and the FCRA laws.
03/09/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	TX 78727	Web
I spoke with the collection company and they said If I paid the amount in full they were going to send me a deletion letter. After making the full payment, they sent me a paid in full letter, but not a deletion letter. I called a few times and spoke with XXXX, and he couldn't get any of his managers to send me the deletion letter.
08/01/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	FL 33026	Web
I have filed 3 credit disputes, I have requested information from NCB and the documents that they provided didnt match my driver license number. XXXX XXXX filed a complaint to have the account removed and I filed 2 with credit bureaus. I also called the agency directly and it took them over 30 days to provide me with information.
05/10/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	CA 92311	Web
NCB Management is reporting a debt on my credit file that I do not owe. I recently checked my credit and noticed this debt reporting. I have consulted with the Attorney General of California and have found that this account is past the statute of limitations. I do not owe this debt and it needs to be removed from my credit file.
06/10/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 32221	Web
NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617/// THIS COMPANY IS REPORTING AN ACCOUNT ON MY CREDIT THAT IS NOT MINE/INACCURATE.FRAUD. I DID NOT GIVE NY PERMISSION TO REPORT THIS ACCOUNT AND I WAS NOT NOTIFIED THAT THIS ACCOUNT WAS OR WILL BE REPORTED TO MY CREDIT REPORT.
12/01/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	FL 33180	Web
My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. Per my rights under the FCRA, please provide the contact information for the third-party vendor that supplied you with this errant information, since my court does not have a subscription to your credit bureau.
06/21/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	AZ 85379	Web
NCB Maganement Services , Inc. claims I owe them {$60.00}. I have asked for validation of an account from them showing I have a signed contract with NCB. So far, they have not provided me with any such document. Further, NCB has continued to report negatively to the credit bureaus, damaging my ability to obtain new credit.
04/03/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	OH 451XX	Web
Ncb management keeps sending me to same fraudulent information now they are saying I put in a duplicate complaint.i called them to send me a fraud packet.this is identity theft I never had an account with XXXX .if this gets returned again I will file a lawsuit against ncb for fraud and harrassment.please stop this fraud.
02/09/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 760XX	Web
NCB Management has been calling 2-3 times a day M-F, for the past XXXX months, even after I have told them over the phone and through email that I don't owe any debts to anyone. They call from multiple phone numbers : XXXX, XXXX, XXXX. These are just a few. I think in total I've counted 6 different numbers they've used.
07/06/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	VA 23464	Web
I disputed the charges on my credit report and advised this company in writing to provide me with a debt validation letter and this has not been done. I contacted the original creditor who stated that they would remove these items which they did and indicated my record would be updated with this collection agency as well.
06/24/2019	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	CA 92626	Web
They have been calling my cell phone and work number constantly, I've asked them to stop and blocked their numbers but they keep calling from different numbers, even at work. They have been calling and speaking with coworkers and constantly calling my work number which I'm not even at. The name I was given was XXXX XXXX
07/25/2023	Yes	Debt collection Payday loan debt	Communication tactics You told them to stop contacting you, but they keep trying	NV 89801	Web
I have been having NCB management try to collect a debt that cant be verified and I have told them to stop and they finally did after 2 years but when I call to settle I am on hold for hours and get disconnected then my emails dont get answered. Last call I made to NCB was XX/XX/XXXX and last email I sent was XX/XX/XXXX.
03/03/2021	Yes	Debt collection Auto debt	False statements or representation Attempted to collect wrong amount	MI 48507	Web
There is a NCB account # XXXX on my account ( Original Creditor XXXX XXXX XXXX XXXX ) This account is not mine, this account belongs to my father ( whom we share the same name ) and is joint with my mother and him. I have no ties with this account. This should not have been disputed to my account. Please remove it.
09/26/2020	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was result of identity theft	VA 23464	Web
I am a victim of identity them and this is one of the accounts included in my fraud report. I have mailed a copy this report to the original credit and the collection agency NCB Management Services as well as the Credit Reporting agencies. They continue to report this item on my credit report further damaging my credit.
01/28/2021	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	TN 385XX	Web
I get calls 2-3 times a day from NCB MGT SRV INC with different numbers, like XXXX or XXXX. No message is left and noone speaks if I answer. I looked on line to determine what the letters meant and found it was a debt service. I do not have any outstanding debts and see no need to be harrassed by the continual calls.
08/22/2023	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was paid	GA 31210	Web
The original creditor is XXXX XXXX which the debt was in the amount of {$10000.00} on a car loan. XXXX has reported my debt as a charge off and i never recieve a 1099-c form. After XXXX put my debt as a charge off They sent my debt to NCB management and they are illegally coming after me for a debt that been paid off.
11/21/2022	Yes	Debt collection Auto debt	Communication tactics Frequent or repeated calls	VA 23606	Web
NCB XXXX XXXX XXXX keeps calling me daily from different phone numbers including the XXXX provided in the form. Also receive text messages from them as well from different numbers stating the same thing over and over again. I feel harass by this company everyday from constantly calling and texting me the same thing.
01/21/2022	Yes	Debt collection Auto debt	Written notification about debt Didn't receive notice of right to dispute	TX 78520	Web
NCB MANAGMENT SERVICES ) at ( XXXX XXXX XXXX XXXX, PA XXXX ) has been sending me collection notices in the amount of {$6300.00} the collection has been reported as past due balance. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature.
10/20/2020	Yes	Debt collection I do not know	False statements or representation Attempted to collect wrong amount	TN 38109	Web
ON XXXX XXXX, I notice a alleged debt of {$11000.00} from NCB Management services that i do not owe, and i sent a letter asking for information related to the alleged account and hasn't received anything thus far .I am asking that for the validity of the debt, along with other documents to support the alleged debt
06/01/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	WA 981XX	Web
The collection company, NCB Management, has posted erroneous information to my credit reports. I wrote asking for validation of the debt and they only sent a computer printout in response. Their failure to adequately respond is a violation of the FDCPA per XXXX XXXX XXXX Law Firm, XXXX XXXX XXXX Court, XX/XX/XXXX
11/18/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	MA 02149	Web
this company ncb management is trying to collect on a debt that was proven fraud its been clearly sold from one collection to another now this company is trying to collect on a fraud account I had disputed back in 2019 and was successful at removing it. I want this harassment to stop or I will take legal action.
10/01/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	VA XXXXX	Web	Servicemember
I contacted XXXX regarding this account asking to remove and further proof of this item and provided fraud report in 2021, I recently updated the identity theft report once again requesting the removing of this fraudulent account from my credit report. NCB Management and was previously XXXXXXXX XXXX XXXX XXXX
04/15/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 78130	Web	Servicemember
In accordance with the Fair Credit Reporting Act XXXX, the companies listed have violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
09/23/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	SC 29045	Web
I defaulted on a loan with XXXX. The loan was sold to a collection company ( agent ) I made a payoff agreement with the agent of XXXX to payoff for removal. One the debt was paid off XXXX placed the debt back on my credit as a paid off collection and will not remove it as per the agreement with it 's agent.
06/14/2023	Yes	Debt collection I do not know	Threatened to contact someone or share information improperly Talked to a third-party about your debt	TN 37167	Web
This company is calling family members at work while informing them of my debt. My family does not want to be contacted about any debts that are not regarding them. I haven't received any written communication regarding whatever debts they say that I owe yet they're disturbing family members about the debt
08/25/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CA 90046	Web
NCB Management reports fraudulent accounts to credit bureaus. NCB Management fails to comply with federal regulations by credit reporting agencies. NCB Management is guilty of : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act Thank you, XXXX XXXX
10/04/2021	Yes	Debt collection I do not know	False statements or representation Attempted to collect wrong amount	DE 199XX	Web	Servicemember
Based on settlement letter sand the settlement amount on their website, I accepted a settlement to pay the collection and have it removed from the bureaus. I paid the amount due. Now the balance is still showing and has been reported to the bureau as a payment instead of deleting the tradeline as promised.
01/02/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NC 27012	Web
I HAVE NO KNOWLEDGE OF THIS ACCOUNT ; IT IS FRAUDULENT. I have been in contact with the debt furnisher, NCB Management, and they do not have information pursuant to XXXX XXXX Fair Credit Reporting Act or UC-C . They are robbing, badgering my credit with no explanation on an erroneous, alleged collections.
08/18/2023	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	MI 48021	Web
NCB management has damage my credit report after I sent a written notice pursing to 15 Usc1692c ( C ) and they failed to cease collection. Attached is my certified receipt showing that their company representative signed off on it. Attached is also my second notice per 15usc1692c ( C ) I REFUSE TO PAY
12/09/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	GA 30082	Web
I had an account with Rise please reference RE : XXXX XXXX ; CFPB Case # XXXX. I paid the amount owed in total to NCB Management Services with the understanding that they would not report anything to the credit agency. This debt has been paid in full and I would like to have it taken off my XXXX Report.
09/02/2021	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt is not yours	LA 70817	Web	Servicemember
NCB Mangement Services Inc. at XXXX XXXX XXXX XXXX-XXXX, PA XXXX has been sending me collection notices in the amount of XXXX. The collection has been reported past due. I do not know this company. I have not done any business with this company. This company does not have a contract with my signature.
12/03/2018	Yes	Debt collection Auto debt	Written notification about debt Didn't receive enough information to verify debt	AL 35211	Web
Sent multiple dispute letters requesting verification of the debt. Letter sent on XX/XX/2018 and XX/XX/2018 only to receive notification that the letters were received. Verification of the debt has yet to be provided and this outstanding debt is continuously causing negative impacts to credit reports.
02/14/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	CO 80013	Web	Servicemember
An account is being reported multiple times by different collections agencies. I am being penalized by the same debt three times. Account numbers are the same, amounts are different on XXXX, XXXX, and XXXX. Dates are also incorrect. These accounts violate my rights under the Fair Credit Reporting act
01/10/2023	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	AL 357XX	Web
XXXX IS ATTEMPTING TO COLLECT AN ALLEGED DEBT FROM ME AND CAN NOT VALIDATE THE ALLEGED DEBT. THE ACCOUNT IS CURRENTLY IN A COLLECTION STATUS AND STILL TRYING TO COLLECT. I even submitted a cease and desist. I Attach the letter too and they could not provide the promissory note of this alleged debt.
05/23/2018	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt is not yours	TX XXXXX	Web
While checking credit report I noticed several indications on my report from XXXX XXXX. I have been a victim of identity theft and fraud in the past. Individuals have used my information to apply for payday loans, utilities, etc. Police report has been filed and fraud alerts placed on credit report.
06/04/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TN 37128	Web	Servicemember
I have attempted to dispute this debt on multiple occasions, dating back to 2018. Each time NCB refused to remove the information. I have since learned there has been a data breach of my information including my highly sensitive social security number which opens me up to a realm of identity theft.
03/10/2023	Yes	Debt collection I do not know	False statements or representation Attempted to collect wrong amount	MI 493XX	Web
This debt collection company inaccurately fraudulently reported on my credit reports. It is saying I made a payment to them in my XXXX when I did not. Its further reflected in my XXXX that these payments never happened. I dont know what is going on and why they are reporting these deceptive claims.
11/24/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CO 80221	Web
I do not recognize the debt listed from XXXX XXXXXX/XX/XXXX. I have disputed this with XX/XX/XXXX who upheld the debt. I have no idea what this is or why it's on my report. It is showing an open balance of {$3000.00} and opened on XX/XX/ but it does not indicate what the debt even is! Please help!
11/17/2020	Yes	Debt collection Auto debt	False statements or representation Attempted to collect wrong amount	AZ 85044	Web
I have paid this debt off for a lesser amount. They are refusing to provide a delete letter to the credit bureaus. They stated they were advised by the CFPB not to do this. I have this conversation recorded stating this!! Now, they are refusing to speak to me or the credit bureaus to fix my credit!
06/20/2023	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was paid	GA 30039	Web
NCB Management Services failed to comply with an agreement to remove Account XXXX from all credit bureaus. This is still reporting as a derogatory remark which is affecting my financial health considerably. The original creditor was XXXX XXXX XXXX. The account was settled over 2 years ago on XXXX.
11/12/2022	Yes	Debt collection I do not know	Communication tactics You told them to stop contacting you, but they keep trying	WI 53206	Web
I have asked to be placed on there. Do not call list multiple times they call from different numbers every single day at least twice a day and I mean every single day I have asked so many times to be placed on a do not call list because they have the wrong number. Please have them stop calling me.
08/02/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NJ 085XX	Web
Pursuant to 18 USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15 USC 1681b 2, company has also NO permission to report ANYTHING using my information pursuant to 15 USC 1681 4. I have never entered into a contractual agreement with NCB Management ever.
11/15/2022	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt is not yours	CA 91351	Web
Account was added to my XXXX report as a collection. Do not have a XXXX and have never taken out an auto loan out with this company. This does not belong to me. When calling agency to remove, they stated all information does not match my information with the exception of them using my social.
01/26/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	IN 462XX	Web
No information given regarding account. Violates federal 15 USC 1692gf also no medical release given and eligible to collect on debt per Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting
10/14/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30168	Web
I natural person, consumer, and creditor PULLED MY CONSUMER REPORT AND SEE UNAUTHORIZED REPORTINGS OF ACCOUNTS ON MY REPORT. THE COMPANY IS IN VIOLATION OF : 15 USC 1681 ( a ) ( 4 ) 15 USC 1681 ( a ) ( 2 ) ( b ) 15 USC 1681 ( b ) ( a ) ( 2 ) 15 USC 1681 ( b ) ( 2 ) ( a ) 15 USC 1681 ( c ) ( 2 )
08/06/2021	Yes	Debt collection Payday loan debt	Written notification about debt Didn't receive enough information to verify debt	CA 92264	Web
NCB Management Service has removed the scheduled date that this account is scheduled for removal from their entry, or the date of first delinquency, listed on my XXXX Credit Report. It appears that NCB Management Services is re-aging debt that is now past the California statute of limitations.
08/03/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	AL XXXXX	Web
No information given regarding account. Violates federal 15 USC 1692gf also no medical release given and eligible to collect on debt per Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting
07/17/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	AL 36532	Web
No information given regarding account. Violates federal 15 USC 1692gf also no medical release given and eligible to collect on debt per Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting
07/11/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	OH 455XX	Web
No information given regarding account. Violates federal 15 USC 1692gf also no medical release given and eligible to collect on debt per Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting
08/25/2023	Yes	Credit reporting or other personal consumer reports Other personal consumer report	Incorrect information on your report Information is incorrect	MD 21228	Web	Older American
They have wrong information about my report and has wrong information .they are trying to go homeless, they are defamation of my character, this i call harassment toward me which is bad practice, since i mention already. I'm trying to buy a house but, its hurting me to get a hose transaction.
04/08/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NV 89139	Web
FRCA Violation credit card XXXX XXXX XX/XX/XXXX FRCA Violation real estate loan late payment XXXX CARES ACT Violation personal loan late paymentsXX/XX/XXXX FRCA Violation other loans XX/XX/XXXXXXXX FRCA Violation hard inquiries XX/XX/XXXX XXXX FRCA Violation collections NCB MANAGMENT SERVICES
02/19/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	GA 30135	Web
In accordance with the Fair Credit Reporting act XXXX Account, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions
02/01/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	GA 30135	Web
In accordance with the Fair Credit Reporting act XXXX Account, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions
04/18/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	WA 98607	Web	Servicemember
I received a letter from NCB Management Services Inc. I do not owe this company any money and I have told them several times not to contact me any more. However, every so often they send collection letters to my house. They are not legally allowed to do business in my state. XXXX XXXX XXXX
12/06/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	VA 236XX	Web	Servicemember
In accordance with the fair credit reporting act, NCB MANAGEMENT SERV acc # XXXX has violated my rights. 15 U.S.C 1681 section 602 A states I have a right to privacy. 15 U.S.C 1681 604 Section 2 states a consumer reporting agency can not furnish an account without my written instructions.
07/12/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Report provided to employer without your written authorization	TX 77022	Web
Identity theft 15 USC1681b- Conditions for furnishing and using consumer reports for employment purposes With no permissible purpose. Meaning they didnt get my written consent to furnish anything on my account. I didnt give written instruction. Without permissible purpose = identity theft
02/04/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 77429	Web
I have a collection on my credit repot from NCB MANAGEMENT SERVICE Original creditor : XXXX XXXX XXXX XXXX. I have no idea where this account came from and reached out to this company several times a d I have gotten no verification of this account and I'd like it deleted from credit reports
07/26/2021	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was paid	FL 334XX	Web
I owned a XXXX XXXX and I voluntarily surrendered it due to transmission issue. The seller made false representation for the warranty. As a result, I return the car. The seller reporteda balance of {$18000.00} which I disputed. Now that company is reporting it illegally on my credit report.
03/20/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	FL 32828	Web
XXXX sent my account to collections after I paid the account off at the closing of my house. NCB has closed the account with only XXXX. XXXX account should be deleted completely since XXXX should have never sent to collections. XXXX this should be done with all credit reporting agencies.
09/05/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	AL 351XX	Web
This is a collection account that I never signed or agreed too I have no knowledge of where this account came from or why I am being charged for this as I have no accounts in similar to this account and need it removed from all credit profiles ASAP as this is hendering my business growth
09/27/2018	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Seized or attempted to seize your property	IL 60659	Web
ncb managment service report to credit report burea they told me they will not but they did to destroy my everything want to deleted ncb managment service from credit report and take legal action to stop collections communications, i have to do what ncb managment serivce told me to do,
11/05/2022	Yes	Debt collection Auto debt	Written notification about debt Didn't receive enough information to verify debt	FL 32117	Web
The DATE OF LAST ACTIVIITY & DATE OPENED : Are reporting the same date which is, XXXX/XXXX/2019. This is wrong reporting after disputing with the credit bureaus they refused to removed it from my credit report. I don't have a contract with them and they don't have a signature from me.
10/19/2022	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	IL 614XX	Web	Servicemember
I have no idea what this company is, I have asked them to send whatever it is through the mail and was met with a very rude and disrespectful answer. I have asked them to stop contacting me, and they just use a different phone number. This has been going on for 6 months to a year now.
09/20/2021	Yes	Debt collection Credit card debt	Communication tactics You told them to stop contacting you, but they keep trying	IL 60616	Web
I XXXX XXXX have been on a medical leave since XXXX I not able to work and waiting on SSID for help. I have been receiving false information from a DEBIT COLLECTOR SINCE XXXX. FOR A CREDIT CARD I DON'T EVEN HAVE THE COMPANY IS CALLED NCB MANAGEMENT SERVICES XXXX XXXX XXXX XXXX PA XXXX
12/15/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 33714	Web
I XXXX XXXX is not knowledgeable of this debt and it is not mine it appeared on my credit and I have been going back in forth to get it removed as it is affecting my financial freedom and way of living by reporting negatively NCB MANAGEMENT {$1800.00} ACCOUNT # XXXX DATE XX/XX/2018
12/08/2021	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Loan balance remaining after the vehicle is repossessed and sold	GA 30043	Web
I had gotten into a car wreck to where I couldn't work I just went to XXXX 3 days a week. I informed XXXX about it. Needles to say the XXXX XXXX XXXX was repossessed and sold. XXXX got their car back and got money when they sold it. SeemS like this contract should be null and void.
09/04/2019	Yes	Debt collection Payday loan debt	Threatened to contact someone or share information improperly Contacted your employer	LA 70570	Web	Servicemember
NCB Management has called my place of employment after on the XXXX website I was ensured that my job would not be called for any reason. My phone rings 4 to 5 times per day with these people. If I dont answer they should just report the debt to my credit report. This is harassment.
07/26/2021	Yes	Payday loan, title loan, or personal loan Payday loan	Received a loan you didn't apply for	CA 92620	Web
I have filed a FTC report to get the account NCB MANAGEMENT SERVI off my credit reports ( XXXX and XXXX ). I have sent letter and filed a FTC report and they continue to report this negative false information on these to bureaus, which goes against the Fair Credit Reporting Act.
12/28/2020	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 77083	Web
On XX/XX/2020 a certified verification letter was sent to NCB management services incorporated. Per tracking details it shows they received the certified letter on XX/XX/2020, and as of today XX/XX/2020 I have yet to receive any information regarding The validation of the account.
03/20/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	VA 225XX	Web
NCB Managment Services - Says its in collections for {$2900.00}. With XXXX NCB Managment Services - Same thing - With XXXX XXXX XXXX {$890.00} Says it is in Collections With XXXX XXXX XXXX XXXX - {$99.00} Says it is in Collections With XXXX These accouts are definitely not mine
09/07/2022	Yes	Debt collection Auto debt	False statements or representation Attempted to collect wrong amount	TX 77584	Web
I purchased this car in XXXX. The amount I owe isnt correct. This car was repossessed in XXXX due to me not being able to make payments. They keep re-aging the dates and the account is open. This has been on my account for 6 years. I have tried to get this disputed several times.
02/28/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TN 37174	Web
Contacted again XX/XX/2020 at XXXXCST, I have explained relentlessly that I am not XXXX XXXX . XXXX XXXX had this number over 6 years ago before I received this number from my cell phone carrier. I have explained this and they continue to contact me and refuse to stop calling me.
10/14/2016	Yes	Debt collection I do not know	Improper contact or sharing of info Contacted employer after asked not to	FL 33570	Web
NCB Management Services , Inc. is not only calling my cell phone every day, but they are also calling my work 2 to 3 times a day, and I just found out they have been calling my Mother 's cell phone as well. They have violated the law, and I want them to stop calling. Thank you!
05/06/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NJ 07111	Web
Double jeopardy XXXX XXXX Soled the debt to XXXX XXXX, who is reporting it as a charge off, but the same debt is reported by collection agency By the name of NCB management service amounts incorrect the used information that I gave them lately to up date to keep on my report.
12/19/2015	Yes	Debt collection Credit card	Communication tactics Frequent or repeated calls	AZ 863XX	Web
I received a call stating it was a collection agency. He left no name, no name of company, just a phone number for me to call. By the way, none of the Communication Tactics to choose from apply to me, but I had to choose one to continue. I received the attached letter later.
12/19/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	PA 19135	Web
I filed a dispute with XXXX and XXXX about inaccurate information being reported on my credit report on XXXX from NCB management services. its been well over 30 days and I have yet to hear back from them.i demand that these items be removed from my credit report immediately.
10/13/2021	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	TX 76522	Web	Servicemember
XX/XX/XXXX, XXXX, XXXX, XXXX frequent phone calls at my place of employment. I have made several attempts to have them stop calling my work phone. My employers does not all personal phone call on work phones. they have called my co-workers asking them to transfer them to me.
01/22/2020	Yes	Debt collection Payday loan debt	False statements or representation Attempted to collect wrong amount	OH 45066	Web
They have 2 entries on my Credit report for same debt, one from XXXX, and the other the collections agency NCB management they sold too, I disputed but somehow they are saying its accurate its not only 1 entry should say I owe the money either XXXX, or NCB not both. Thanks
01/06/2017	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	VA 22701	Web	Servicemember
They call every day. They ask for XXXX XXXX. They say it 's an attempt to collect a debt. They say if you are not XXXX XXXX, hang up and call this number. I called the number a year ago asking them to stop calling me. They agreed to stop, but I am still getting calls daily.
09/13/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	OH 440XX	Web
A fraudulent account was opened using my identity. This account is not mine and the debt collection for this account is harming my credit report. I have never done business with your company or a third party that conducts business with you. I am a victim of identity theft.
02/04/2021	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	MI 483XX	Web
I was contacted by this collection agency who stated that if I paid the outstanding balance I had with their office that they would notify all the credit bureaus to remove the collection account from all of my reports. I have paid the balance and they have not done this.
04/14/2023	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt is not yours	FL 33176	Web
I have contacted this company over the years and they refuse to remove this from my credit report. NCB Management Service. My credit report has a date XX/XX/2018 {$8900.00} was added. This information is false. Can you please help me remove this derogatory information?
03/01/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	TX 78660	Web
I began my dispute with XXXX XXXX XXXX, XXXX XXXX XXXX and NCB Management Services in XX/XX/17. I disputed these items because I don't feel that they are being reported in compliance with FACTA, the Fair Credit Reporting Act and the Fair Debt Collection Practices Act.
10/23/2018	Yes	Debt collection Payday loan debt	Communication tactics Called before 8am or after 9pm	AL 368XX	Web	Servicemember
NCB magement bought my installment loan from risecredit. I am the process of selling my home. When my home sells. I will pay off the amount that I borrowed not any interest or late payments. I just would like to notify ncb that I will pay this off once my house sells.
07/07/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	TX 770XX	Web
Recently I was alerted by XXXX that NCB Management Services is reporting a fraudulent account XXXX {$3000.00} on my credit file. This account isn't mine nor did I open said account. I have a police report in which I can furnish to XXXX and NCB Management Services.
01/27/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	FL 34639	Web
Ncb management services trying to collect a debt thats not mine also I sent validation letters Over 60 days ago never heard a response for this Company I need signed documentation copies of my signature for this type of loan I never do any business with this company
09/24/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	LA 704XX	Web
On XX/XX/18, contacted this company via phone because this item has been reporting in my credit report and to notify them that this account was opened as a result of fraud. I have completed an identity theft report via the ftc.gov listing this account as fraudulent.
08/04/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	TX 78251	Web
I have reached out multiple times to NCB about removing account from credit report after being promised by management that this will be done as soon as agreed settled amount of {$1200.00} was paid. Amount was paid on XX/XX/2020 and the account is yet to be removed.
07/25/2020	Yes	Debt collection Auto debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	MN 55412	Web
THEY KEEP UPDATING THIS ACCOUNT TO MY CREDIT AND I KEEP LOSING POINTS TO MY CREDIT REPORT. I ASK IF FOR THIS ACCOUNT TO BE VERIFED AND IT HAS NOT BEEN WITHIN THE TIME FRAME THEY SAY IF IT DOES'NT BE PAID IT WILL STAY DAMAGING MY CREDIT THOS NEEDS TO BE REMOVED ASAP
06/25/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	CA 91607	Web
I am a victim of identity theft. The account was opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.
03/29/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 76137	Web
I have a negative account reporting on my credit profiles by two separate collectors. A clear violation of the FCRA. XXXX XXXX has reported the debt then sold the debt to NCB Management. And they are both now reporting the debt. Which is violation of federal law.
09/21/2021	Yes	Debt collection Payday loan debt	Communication tactics Frequent or repeated calls	TX 75098	Web	Servicemember
The company sold the account to NCB Mangement Services Inc. NCB continued to call even though I told them I could not pay anything due to being unemployed, and then calls became more frequent to the point they started to reach people in my family about the debt.
10/18/2023	Yes	Debt collection Auto debt	Written notification about debt Didn't receive notice of right to dispute	MD 20602	Web
This debt was purchased from XXXX finance however, XXXX stated the amount owed was written off for {$9500.00}. Ncb is showing an amount owed of around XXXX XXXX Please show documents showing validation of debt as well as the amount you purchased this debt for.
12/09/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	GA 310XX	Web
Because of this incident, I have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results.
06/04/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	SC 29605	Web
Company is still showing incorrect information. Company is reporting activity on credit report every month there has never been any activity on this account. On credit report its showing a last activity reporting every month. I know nothing about this account
07/14/2015	Yes	Debt collection I do not know	False statements or representation Indicated committed crime not paying	CA 949XX	Web	Older American
I received a call to my cell phone, a number I have had for XXXX+ years. The company looking to collect debt, ( XXXX XXXX @ XXXX ext XXXX ) wanted information about someone named " XXXX '' at my number. This seemed nothing but a phishing scam ... am I wrong?
03/26/2023	Yes	Debt collection Other debt	Communication tactics You told them to stop contacting you, but they keep trying	PA 170XX	Web
I have told company many times to quit calling me and have tried to dispute claim becuz I was not only person on the loan so I feel I should not be held responsible for the whole debt I also tried to negotiate the debt down but they would not work with me
07/19/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	VA 22191	Web
I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. These accounts has been reporting inaccurately. I wanted to dispute these because of this and it was affecting my credit report.
06/28/2022	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was paid	IN 471XX	Web
I paid a settlement agreement with this lender on XX/XX/2022. They are still showing the account as active with a past due amount on my credit report. I've requested this information to be updated as paid and updated on my credit report with no success.
04/11/2022	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	AL 36526	Web
This company continues to report this negative account information on my credit report, without explanation. The company has failed to issue a notice of debt, nor debt validation information.This item should be removed immediately from my credit report.
01/16/2021	Yes	Debt collection Auto debt	False statements or representation Attempted to collect wrong amount	TX 75605	Web
on XX/XX/2020, i sent NCB MANAGEMENT SERVICE a letter asking for the validity of the alleged balance of XXXX that i do not owe.I haven't receive anything from them concerning this account.please assist me in this matter and i have attached a copy below
12/12/2017	Yes	Debt collection Auto debt	Written notification about debt Didn't receive enough information to verify debt	AL 351XX	Web	Servicemember
NCB management services is showing on my credit report for the amount of XXXX. I contacted the company and they say my account is closed and they have no information regarding account. Would like to dispute but company is unable to verify information.
01/28/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NY 10453	Web
Ive requested documents from NCB Management Service Inc three times and havent got a responce from them. I dont know what i have to do to have them tell me why i owe them money when i dont even know who they are and have never did business with them.
01/10/2023	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was paid	NY 11720	Web
I was told my debt was settled for the amount I paid but its still Showing on my credit report and open date has changed and amount has changed that was not the agreement I had with them and they lied to me and not answering my calls or talking to me
07/29/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	MO 658XX	Web
this account has been changed from one collector to another. i have asked for proof of why they say i owe this. after asking them, they continue to send old info. or they just dont want me to know. please stop this. i dont know what company it is.
02/19/2022	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 77084	Web
NCB Management, a collection agent, has been reporting a monthly balance and failed to send verification and legal rights to collect the alleged debt account. Also, there is inaccurate information being reported like no payment amounts, or dates.
05/31/2023	Yes	Debt collection Auto debt	False statements or representation Attempted to collect wrong amount	GA XXXXX	Web	Servicemember
XX/XX/XXXX is the original collection date. It is XX/XX/XXXX. The item should no longer be on my reports. I received a letter from XXXX that was issuing a refund due to file review. XXXX was the original creditor. This debt should be discharged.
03/28/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	GA 30034	Web
I sent in my written disputes to cancel every collection account that appears on my credit reports. According to the Fair Credit Reporting Act sections 609 and 611, all of these collection accounts shall be removed from all of my credit reports.
02/13/2022	Yes	Debt collection Auto debt	Communication tactics Frequent or repeated calls	KS 66061	Web
I have a collection on my credit report that is in the amount of $ XXXX.The name of the company is NCB Management Services . NBC opened a collection account in my name XX/XX/2021. They have called me several times asking me to address the dedt.
12/09/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	OK 73034	Web
This debt was paid to the original creditor and you have no business continuing to report it as a collections account. In fact, I never had a contractual obligation with this collections company and they are fraudulently claiming I owed them!
07/23/2019	Yes	Debt collection I do not know	Communication tactics You told them to stop contacting you, but they keep trying	TN 38122	Web
I have no balance due with the referenced biller. No debt validation has been received. The company has been advised not to contact me by any means other than USMail, but continues to call my phone and the phone number of a former employer.
04/02/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	NC 28215	Web
collection as an " OPEN ACCOUNT '' which is not under FCRA compliance. This is inaccurate reporting and needs to be removed immediately. After you have finished with my request, send me a copy of my credit report reflecting these changes.
04/02/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	NC 28215	Web
collection as an " OPEN ACCOUNT '' which is not under FCRA compliance. This is inaccurate reporting and needs to be removed immediately. After you have finished with my request, send me a copy of my credit report reflecting these changes.
09/21/2020	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt is not yours	TX 78228	Web	Servicemember
Collection company is illegally reporting this account on my credit that does not belong to me. I have sent out letters to collection to provide documentation showing proof this is my account bearing my signature and they have not done so.
07/10/2020	Yes	Debt collection I do not know	Communication tactics You told them to stop contacting you, but they keep trying	FL 33013	Web
NCB Management continues to call me at my place of employment. I have advised nicely that it is a place of business and that personal calls are not allowed and they continue calling my job at least once a day, often multiple times per day.
11/22/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	CA 95901	Web
I the consumer have tried to dispute accounts that were resulting in IDENTITY THEFT the creditors, XXXX, XXXX, AND XXXX failed to block and remove the accounts according to 605b 15 usc 1681 c-2 PLEASE remove accounts from consumer report
08/15/2023	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt is not yours	KS 66223	Web
I've made several attempts to obtain additional information regarding the purported debt from NCB Management, specifically seeking evidence of the debt. Regrettably, no documentation has been provided to me despite my repeated requests.
07/09/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	FL 338XX	Web
I dispute this on my credit report because the original debt is from XX/XX/2012it should be removed from my account and it is not this is not correct information and is in violetion of FAIR DEBT COLLECTION PRACTICES ACT please remove it
10/01/2017	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	SC 297XX	Web
Disputed several time to credit bureaus of account was a result of identity theft and provided a police report. I also contacted the collection agency to notify them of the inaccuracy of this account and received no response or help.
07/10/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	FL 323XX	Web
I called XXXX to settle complaint over the phone on or about XX/XX/2023 in reference to my concerns about inaccurate notation on my credit report ; dates in reference to XXXX XXXX XXXX XXXX, CREDITOR, through NBC Mangement Services.
07/18/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information is missing that should be on the report	GA 30035	Web
Car was taken by XXXX XXXX and the company then filed bankrupcty which my car was inlcuded in but now the information was sold to an collection agency and now that compnay is saying i owe money on a car that was closed on my aacount
11/09/2018	Yes	Debt collection Other debt	Communication tactics You told them to stop contacting you, but they keep trying	WA 99207	Web
Company has mailed, called both cells and work phones, and emailed several times from different numbers leaving messages. This company has called early in the morning as well, each time their calls are blocked they use a new number.
05/04/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	VA 22153	Web
XXXX XXXX account was not open XX/XX/2016 vechile not safety to drive the bracket that held back up was never report on XXXX XXXX. it was discover after in accident with a XXXX car NCB Management Service XXXX XXXX XXXX XXXX PA XXXX
03/02/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	FL XXXXX	Web	Servicemember
XXXX XXXX purchased bad paper loan from my previous car loan provider who repossessed my vehicle. The car was sold, the insurance paid the shortfall and the company is now reporting this old debt as legitimate on my credit report.
05/05/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	NY 12180	Web
This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt. All reporting needs to cease.
01/03/2021	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was result of identity theft	WI 53704	Web
Sometime in 2018 someone unknown to me got a loan with this company. I have disputed this account several times and the company will not remove this from my credit report. I have submitted proof of my identity and a police report.
02/18/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	TX 75243	Web
Per tracking, Its been 2-3 months. No information given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XXXX, Attorney General and FTC
03/29/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 32210	Web
I have been disputing the identity theft I discovered on my credit report. Most of the accounts have been removed but there are still quite a few that are still fraudulently reporting. They are affecting my score and credibility.
03/23/2019	Yes	Checking or savings account Checking account	Problem with a lender or other company charging your account Transaction was not authorized	KY XXXXX	Web
Nbc management service for XXXX XXXX XXXX. XX/XX/16 {$6900.00}. I had taken a scam check to my bank XXXX XXXX. I was told it was a scam. Also i currently have a bank account with them currently. So thete is some type of mistake.
07/17/2019	Yes	Payday loan, title loan, or personal loan Personal line of credit	Struggling to pay your loan	CA 91910	Web
XXXX XXXX will not verify the debt. They have been calling 3rd party 's regarding a debt and they as I have asked that they send me something to verify the debt via e-mail or mail and to this day they have not sent me anything.
09/04/2023	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt is not yours	FL 32824	Web
Debt Buyer : NCB MANAGEMENT SERVICE Balance : {$8300.00} Date Opened : XX/XX/2018 Account type : Debt Buyer I do not have a contract with NCB MANAGEMENT SERVICE, They did not provide me with the original contact as requested.
07/22/2022	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt is not yours	FL 349XX	Web
This creditor is attempting to collect a debt that does not belong to me. My information was stolen by identity theft. The creditor was alerted and is still harassing me and reporting inaccurate information on my credit file.
05/20/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33437	Web
I have tried calling them and requesting for anything in writing proving my association with the bill but they never send anything, its been months of going back and forth. I have no idea what company they are collecting for.
12/19/2017	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	NY 14075	Web
XXXX XXXX of NCB Management continues to call family members of the person who supposedly owes a debt that he is trying to collect. He has called more than once after he was told he has the wrong number and not to call again.
08/18/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	TX 76132	Web
I have previously submitted over request regarding debt and also documents of the debt and the company has refused to provide any documents. I submitted complaint XX/XX/23 and have not received any documents from company NCB
08/14/2020	Yes	Debt collection I do not know	Communication tactics You told them to stop contacting you, but they keep trying	NV 89145	Web
I have asked this company to cease and desist all contact. They continue to reach out, but now call from blocked numbers and threaten legal action. They also gave information to my sister who answered the phone for me today.
08/22/2017	Yes	Debt collection Auto debt	Written notification about debt Didn't receive notice of right to dispute	CO 80013	Web
I received a Lemon car from XXXX, which I voluntarily surrendered due to a lawsuit that was in progress against XXXX. I returned the car to them and was told this would not go on my credit. I DO NOT have a contract with NCB.
05/17/2017	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	WA 98144	Web
i have a couple debts thats been reported that i have zero to do with me i dont know if its because my father and I have the same name or if i was irresponsible with my SS # but they have n't been able to verify the accounts
03/17/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	NY 11434	Web
According to 15USC 1681s-2a AND 15USC 6801, 15 USC 6802 According to this laws this credit institution has violated my right and need to do the rights thig by deleting this charge off of my account because according to IRS
05/06/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	PA 189XX	Web
XXXX XXXX is reporting from an account that was opened almost 9 years ago and thus should be removed. NCB is reporting collections for the XXXX account and is double reporting the XXXX account that should also be removed.
10/14/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 92113	Web
I never have an account with these collector/creditor. I tried to contact them several times and ask for proof of ownership but they are failed to send me necessary documentation to prove that I really own this account.
05/12/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NJ 07304	Web
I DID NOT CONSENT NOR AUTHORIZE THE FURNISHING OF MY CONSUMER REPORT AS A FEDERALLY PROTECTED CONSUMER ACCORDING TO: FCRA 15 USC - 1681b(a)(2) 1681d(a)(1)(A)(B) 1681e(a)(b)(c)(e) FDCPA 15 USC- 1692e(a)(b) ACCOUNT#XXXX
03/18/2019	Yes	Debt collection Credit card debt	Communication tactics Frequent or repeated calls	CA 92545	Web	Older American, Servicemember
NCB management calls several times a day, despite cell phone being on the Federal Do not call list They even call on Saturday which in itself is a violation of the Roth California FDCPA act this is NCB ; s Banning Arm
02/07/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	SC 29605	Web
Original Creditor ( XXXX XXXX ) charged off and closed account then sold it to another company ( NCB Managment ). The other company has filed a collection and is reporting on my credit report as a collection account.
11/06/2020	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 78148	Web
This account has been on my credit report and I have tried numerous times to have it removed. The company will not send me copies of any original paperwork to prove that the debt is mine. {$1000.00} from XX/XX/2019.
08/14/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	GA 30296	Web
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715, 719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists.
02/09/2022	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	TX 77469	Web
Nothing, I was a victim of identity theft and someone has stolen my identity And us it for fraudulent charges without my knowledge and I did not receive any money or no compensation for my identity that was stolen.
03/10/2021	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was paid	TX 77095	Web
This debit was paid 2 years ago and the account is reporting as a negative. It is affecting my credit score as they told me that this is would pay for deletion. I have try to resolve this matter only to be ignored.
03/04/2021	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	RI XXXXX	Web
I have not supplied proof under one doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in facts exists.
05/17/2023	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 78752	Web
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v Gravens ( mo ) 281 SW 715, 719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists.
05/03/2021	Yes	Debt collection Payday loan debt	Communication tactics Frequent or repeated calls	TN 37931	Web
Every single day NCB Management calls me at least twice a day, sometimes more. I worked in collections and know it is a FDCPA violation to call more than once per day, especially leaving multiple messages per day.
05/31/2019	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	GA 30016	Web
Never did bussiness with this company in the amount of {$10000.00}. I never did a contract with this company. i never heard of this company. They must have me mixed up with someone else. This is damaging my credit
08/17/2017	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt is not yours	MD 21061	Web
XXXX XXXX has claimed that owe XXXX XXXX {$2700.00} for a payday loan ( which is not legal in Maryland XXXX I have told them on several occasions that this is not my debt, they have listed this on my credit report
05/27/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	LA 70126	Web
I Tried to work with these companies with removing all the interest penalties. None of them wanted to help me.the loans have been sold to companies I now knowledge I dent make no loan with none of them companies.
09/17/2023	Yes	Debt collection Auto debt	Written notification about debt Didn't receive enough information to verify debt	FL 32773	Web
This debt was sold to another third party collections without my consent. ACCOUNT # XXXX CHARGED OF BALANCE : {$5800.00} DATE OPENED XX/XX/2022 NCB MANAGEMENT SERVICE XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX
12/13/2021	Yes	Debt collection Payday loan debt	Written notification about debt Didn't receive enough information to verify debt	AL 36109	Web	Servicemember
XXXX XX/XX/2016 Collection was reported and placed on consumer credit report. Several attempts have been made to get company to report correct information, but all cooperation with that company has been ignored.
03/22/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	NY 12180	Web
I Filed a dispute in regards to the inaccurate information on my credit report, it has been well over 30 days and I haven't received any investigation result. Date XX/XX/2021 amount XXXX NCB MANAGEMENT SERVICE
04/12/2019	Yes	Debt collection Auto debt	False statements or representation Indicated you were committing crime by not paying debt	TX 77095	Web
Ncb Management Services re-age my account after I sent in my dispute forms. Which is a violation. I feel like that isnt right. Even the creditor re-age theres as well, XXXX Consumers. I have pictures to show you
06/10/2021	Yes	Debt collection Auto debt	Written notification about debt Didn't receive enough information to verify debt	TX 77581	Web
I mailed XXXX on XX/XX/2021 and filed my FTC report to verify a debt that was reported in the amount XXXX that was never verity and they sent the debt to a debt collector. They are in violation of 15 usc 1681b.
03/22/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 79925	Web
I have never heard of this company and I have no idea what this debt is. I have tried to call them and they could not give me any information. They had my information but refused to give me anymore information.
03/18/2021	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	GA 310XX	Web
In XXXX I reached out to NCB Management about this debt. The company talked me into setting up payment, however I didnt realize Im a part of the litigation with XXXX XXXX XXXX original debtor ). https : XXXX
01/29/2023	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was paid	OR 97756	Web
Have been trying to get hold on them But never had the opportunity! Pls lets get to a agreement I can do payments I had been XXXX to work for health problems but I believe I can fix this, im open to negotiate
11/22/2023	Yes	Debt collection Auto debt	Communication tactics You told them to stop contacting you, but they keep trying	TX 76135	Web
Ive sent a cease and desist letter to NBC Management Service and they keep calling and not validating the debt they are trying to collect I have the letters ive wrote and inaccurate documents they have sent.
01/14/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 75042	Web
NCB MANAGEMENT {$2600.00} REPORTING FRADULENT INFORMATION ON MY CREDIT REPORT AND FAILED TO PROVIDE ORIGINAL SIGNATURE AND IDENTITY OF WHOM ACCOUNT WAS OPENED BY. ACCOUNT WAS OPENED FRADULENTLY AND NOT MINES
12/19/2022	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was result of identity theft	AE XXXXX	Web
In 2016 it was said that I made an online request for some money. It was not me. NCB management has all they document they need in order to take the collection off, but they are stating I need fraud packet.
05/19/2019	Yes	Debt collection Payday loan debt	Written notification about debt Notification didn't disclose it was an attempt to collect a debt	MS 388XX	Web
I had an account with them. I got laid off wasn't able to make payments. Couple months later they sold my account to NCB Management services without notifying me now i have a collection on my credit report
06/25/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 75154	Web
Pursuant to 18 USC 8, I owe no debt. This company is violating my consumer right to privacy pursuit 15 USC 1681b 2 company has also no permission to report anything using my info pursuant to 15usc 1681 4
06/06/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was paid	AL 361XX	Web
Creditor Name NCB MANAGMENT SERVICES Account No. XXXX I paid for this account to be deleted. I have a recorded conversation and an email stating this. This account hasn't been deleted or updated at all.
02/03/2022	Yes	Debt collection Other debt	Communication tactics You told them to stop contacting you, but they keep trying	GA 30117	Web
I Have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( Mo ) XXXX XXXX XXXX, XXXX I may presume that no proof of the alleged debt, nor therefore any such debt in fact exist.
05/07/2017	Yes	Debt collection Auto debt	Written notification about debt Didn't receive enough information to verify debt	SC 293XX	Web
I disputed a collection on my credit and I said non contract with the company I do n't have a contract with collections agents I need this off my credit boo do n't have a contract with collections agency
08/15/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	CA 94606	Web
XXXX still showing 2 collections on the credit report and those were charged off about 2 years ago, 1 is NCB Management Service {$4000.00} and the 2nd is not showing the name or any other information.
08/31/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	MS 390XX	Web
on XX/XX/2018 i sent a letter to XXXX XXXX requesting them to verify my signature on the item that they say i owe $ XXXX.i haven't heard anything regarding this item that is damaging my credit report.
01/23/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	IA 52722	Web
NCB XXXX XXXX XXXX is violating my consumer rights under the FDCPA. I have not signed a contract with XXXX XXXX XXXX or NCB Management Services Incorporated. I have no knowledge of this alleged debt.
02/02/2021	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt is not yours	GA 30039	Web
This collection was put on my credit reports erroneously. The company was asked to validate the debt in writing and never responded .Under the FCRA all unverified accounts are to be promptly deleted.
11/10/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NY 11218	Web
NCB MANAGMENT SERVICES XXXX XXXX XXXX XXXX PA XXXX My Account was closed by XXXX XXXX XXXX XXXX then reopened with NCB management, My payment history is incorrect, therefore damaging my credit score
03/18/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	TX 77021	Web
NCB Management Service Inc. repeatedly reports inaccurate account information ( date opened : XX/XX/2016 ) and without validation of the debt owe to the credit bureaus in violation of FDCPA and FCRA
11/09/2019	Yes	Debt collection Credit card debt	Communication tactics Frequent or repeated calls	FL 331XX	Web	Servicemember
Continuing calls many consecutive days on weekends in early am I have mention to the debt collector my health concern and took down their name and number but they called me today again in the XXXX.
07/30/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	WI 53208	Web
NCB Management is reporting a negative balance of {$4900.00} debt on my credit reports which doesn't belong to me,, first day reported XX/XX/2017, I've never opened or had an an account with them.
06/14/2017	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	PA 152XX	Web
Company keeps calling to collect a debt that is not mine. I told them not to call, and they keep calling. I do not owe a debt, therefore I will not pay anyone a dime. Cease and desist immediately.
06/30/2017	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	TX 77082	Web
When I Spoke with company representative they could not send me nothing but a copy of a bill. They do not have documents supporting that my identity was verified I am not familiar with the debts.
11/18/2022	Yes	Debt collection Auto debt	Communication tactics Frequent or repeated calls	PA 19380	Web
The company in question ( ncb management incorporated ) has no right to furnish information and isnt legally allowed to do collections in the state of Pennsylvania ; which is a violation of law.
11/14/2022	Yes	Vehicle loan or lease Loan	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	NY 10039	Web
date various from XX/XX/2022 to XX/XX/2022 XXXX from NCB MANAGMENT SERVICES a third party company, the account was closed by XXXX XXXX and this third party NCB MANAGMENT refuses to close account
12/05/2020	Yes	Debt collection Auto debt	False statements or representation Attempted to collect wrong amount	FL 33179	Web
My newly bought vehicle was stolen and insurance paid off the remaining balance that was indicated by the loan comopany " XXXX '' After it was paid off, XXXX contacted me to collect XXXX Dollars
09/09/2021	Yes	Debt collection Credit card debt	Communication tactics You told them to stop contacting you, but they keep trying	SC XXXXX	Web
I have repeatedly asked this company to stop calling me, but they turn around and call me right back. They have been harassing me for months. I am not collecting dates and times to report them.
10/02/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CA 90242	Web
I was unaware of this debt because of identity theft and found out about it as I am trying to purchase a home and this debt is prohibiting me from doing so. NCB MANAGMENT SERVICES {$1900.00}
03/20/2023	Yes	Debt collection Auto debt	Took or threatened to take negative or legal action Threatened to arrest you or take you to jail if you do not pay	IL 60637	Web
My brother stole my identity to co sign a car for my step daughter. Without my knowledge. My brother is a thief and career criminal, please help This complaint is tied in with XXXX XXXX XXXX
07/06/2022	Yes	Debt collection Payday loan debt	Threatened to contact someone or share information improperly Contacted your employer	VA 23231	Web
Appears to be a wrongful account, accounts was process online with my information illegally. I connected without the company with no resolution. This company has also connected my place work.
02/18/2023	Yes	Debt collection Payday loan debt	Took or threatened to take negative or legal action Threatened to arrest you or take you to jail if you do not pay	NJ 08844	Web
This company called me repeatedly and threatened me with arrest and jail. Put negative reports on my credit for collection. Ruined my XXXX XXXX. Needs to be removed from my XXXX report ASAP.
04/02/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Problem with personal statement of dispute	AZ 851XX	Web
Inaccurate start date of account, inaccurate payment history, inaccurate payment dates, reports late payment on closed account, inaccurate or unverified dates of first and last payment made.
09/08/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33026	Web
Over the last few days I have tried to contact NCB management and they wont answer any calls or return my calls. XXXX trying to get a collection resolved but theyre refusing to work with me
03/16/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CA 93036	Web
I have disputed this item on my credit report and placed fraud alerts as I have never know or heard of the creditor and I have never received any information regarding this debt or company
04/19/2022	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was paid	FL 34472	Web
Contact company multitude times over 4 years and send documents of lawsuit papers of the amount XXXX and the original owner of debt. Breached its own contract by charging improper fees.
06/17/2021	Yes	Debt collection Auto debt	Written notification about debt Didn't receive notice of right to dispute	LA 708XX	Web
In XXXX I received a debt collection response letter for my complaint about the verification of the account. The debt collection response letter has multiple incorrect debt violations.
03/20/2020	Yes	Debt collection Auto debt	Threatened to contact someone or share information improperly Talked to a third-party about your debt	FL 32701	Web
They've called my family my work and my husband who isn't even on the loan after I told them to stop contacting me almost 2 years ago. They constantly try to resell and open my debt.
07/12/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	FL 32901	Web	Older American
I am trying to remove NCB Management Services from collections in all three credit bureaus as they have no validated proof of my signature on any documents and they will not remove.
11/12/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	KY 40509	Web
This company is reporting an account to the credit bureaus that doesn't belong to me. Remove this immediately or I'll seek damages because you are responsible for what you report.
06/29/2021	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	TX 79936	Web
I am not liable for this debt with NCB MANAGMENT SERVICES plus they did not provide me with the original application like I asked. Account No:XXXX Amount Disputed : {$2600.00}
10/15/2018	Yes	Debt collection Auto debt	Written notification about debt Didn't receive notice of right to dispute	TX 76135	Web
NCB Management Service XXXX XXXX XXXX XXXX, PA XXXX According to the Secretary of State Debt Collector Search website, this company does not have an active Texas bonding company.
02/12/2022	Yes	Debt collection Auto debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	GA 30117	Web
This company has illegally open a account in my name its a against the law to harm a consumer report XXXX XXXX is acting under ncb management. Constantly harassed me for years.
01/03/2021	Yes	Debt collection Auto debt	Communication tactics Frequent or repeated calls	FL 328XX	Web
Harassing phones calls this debt is over 7 years old. They are now reporting it as a new debt which is completely false. They call all day leaving very threatening voicemails.
07/18/2018	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was result of identity theft	NV 89123	Web	Servicemember
i noticed the the company and proved them i was in XXXX when the loan was signed and it came out my report from the original company but i guess this company bought the debt.
06/22/2015	Yes	Debt collection I do not know	Taking/threatening an illegal action Threatened arrest/jail if do not pay	FL 335XX	Web
NCB has called repeatly to my work, which I have asked to stop. Calls are threatening for a debt I do not owe. Mutiple calls daily.NCB has even called my child 's cell phone.
10/08/2020	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	WI 53209	Web
On XX/XX/2020 I disputed this debt. I have never signed a contract. I do not know who this company is. I have not done business with this company. I do not owe this company.
04/25/2017	Yes	Debt collection Auto debt	Communication tactics Frequent or repeated calls	VA 221XX	Web
NCB management calls me ove r 10 ti mes a day. They call early and late. They have now changed their number to unknown. I am trying to dispute this debt but they still call.
11/08/2023	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt is not yours	SC 291XX	Web	Servicemember
I do not have a contract with this company nor can they provide me with a contract. They are not allowed under the consumer laws to collect a debt from me. Account # XXXX
12/08/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Credit monitoring or identity theft protection services Billing dispute for services	VA 22191	Web
They opened. Credit card & loan illegally Also Someone illegally applied for unemployment under my name since XXXX this year 2022 I did filled a police report for it Thanks
10/06/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	AZ 85022	Web
Also have my mail going to other addresses or packages going to other addresses l requested for it be remove or updated and they refuse out right!!! Still have this problem
08/09/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was paid	MI 493XX	Web
NCB MANAGEMENT SERVICES is still furnishing on my XXXX report after deletion from both XXXX and XXXX to identity theft and inaccuracy. NCB MANAGMENT is not in compliance.
03/01/2017	Yes	Credit reporting	Incorrect information on credit report Account terms	OH 441XX	Web
NCB Management ( XXXX ) was deleted from CR and then re-added without any notification. Added as a new collection which is not true. Also Incorrect Balance owed reporting
11/12/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	IL 60653	Web
NCB management has been report wrongful information over several months to XXXX if after being deleted from both XXXX and XXXX credit report. This is ground for removal.
07/12/2018	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	NV 89074	Web
Repeated phone calls, harassing and threatening language. They call from multiple numbers after I tell them not to call anymore and they call before XXXX and after XXXX.
05/26/2023	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was result of identity theft	SC 29730	Web	Servicemember
this Collection company is reporting this account on my credit report. I have asked this company to validate this account. I have never done business with this company.
03/10/2020	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt is not yours	AR 72019	Web	Servicemember
NCB Management is reporting negative information to the credit bureaus for an auto loan that I do not have with them. Ive never signed a contract with NCB Managemnet.
01/12/2022	Yes	Debt collection Credit card debt	Communication tactics Frequent or repeated calls	MO 63010	Web
Calling my phone 15 times a day every day no message Ncb management corporation XXXX XXXX XXXX Are not supposed to be able to call phone that many times with new law
09/13/2018	Yes	Debt collection Payday loan debt	Threatened to contact someone or share information improperly Contacted your employer	OH 43402	Web
At least once a day for the last few weeks, NCB management calls my workplace and continues to do so after both me and my boss have asked and then told them to stop.
08/24/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	WA 980XX	Web
1-2 calls per day. I have asked them to remove this number and have also emailed a request to ceases and desist. Refuses to answer questions or identify themselves.
06/07/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	AR 721XX	Web
This company has an account reporting negatively on my credit report. There is no proof of an original document or signature between NCB Management Services and I.
08/25/2018	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was paid	MN 553XX	Web
i was told i i settled the debt that it would be removed from my credit report and the debt was paid and still havent been removed from report i have all recepits,
01/30/2023	Yes	Debt collection Auto debt	Took or threatened to take negative or legal action Threatened to sue you for very old debt	FL 328XX	Web
This original debt was from XXXX XXXXXXXX XXXX XXXX It is now reporting as debt with NCB Management as a debt that is from XXXX this false and all is inaccurate.
11/21/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	MS XXXXX	Web
refused to stop publishing inaccurate information in my credit file to all 3 credit bureaus as well as honor my request have the accounts deleted from my file.
05/03/2016	Yes	Debt collection Auto	Disclosure verification of debt Not given enough info to verify debt	MO 641XX	Web
There is a collection listed reporting which I do not owe. I have disputed with no actual validation. Please help I have never did business with this company.
04/28/2022	Yes	Debt collection Payday loan debt	Written notification about debt Didn't receive notice of right to dispute	TX 761XX	Web	Servicemember
I didn't receive a notice about a collections effort on this collection account. I was not aware of the collection or why it's reporting on my credit report.
03/14/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	OH 436XX	Web
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.
04/27/2020	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened to sue you for very old debt	GA 30907	Web	Older American
I received a letter from the company, when I called to try and find out what it was about some lady with an XXXX accent refused to tell me and demanded money
01/28/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	GA 30215	Web
Advised NCB Management of the account attached to my social was a result of identity theft but the company continues to report this fraudulent information
01/24/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	TX 78626	Web
I filed a dispute in regards to the incorrect items on my credit reports, it has been well over 30 days and I haven't received any investigation results.
02/25/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	GA 31419	Web
I filed a dispute in regards to the incorrect items on my credit report and its been well over 30 days and I havent received any investigation results.
11/26/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	AR 72761	Web
XXXX sold the account to XXXX, THIS ACCOUNT WAS DISCHARGE IN XX/XX/2021. WE WILL RE-OPENING XXXX TO FILE ADVERSARY LAWSUITS AGAINST BOTH. SEE ATTACHED
10/16/2017	Yes	Debt collection Auto debt	False statements or representation Attempted to collect wrong amount	SC 293XX	Web
Ncb called me the other week stating that I owed them some much money but I do not owe that amout they sent me documents but there wrong documents um
07/27/2017	Yes	Debt collection Payday loan debt	Written notification about debt Didn't receive enough information to verify debt	FL 33916	Web
.XX/XX/2017 send written request for this company to provide physical validated to all three credit bureaus. This company has never sent this proof.
09/28/2022	Yes	Debt collection Auto debt	Written notification about debt Notification didn't disclose it was an attempt to collect a debt	GA 30012	Web	Servicemember
by law I don't owe this company I did sign or make a deal with them. and if this letter don't work and they need to take this off my bureau.
09/13/2023	Yes	Debt collection Auto debt	Written notification about debt Didn't receive enough information to verify debt	GA 30296	Web
This company did not validate the debt via my request. They need to validate the debt with everything thats requested in dispute documents.
02/09/2019	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	FL 33073	Web
On, XX/XX/2019 I requested debt validation ( letter attached ) then responded with a generic letter not addressing any request ( attached )
03/05/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	GA 31021	Web
My identity has been compromised by somebody that I do not know. Please feel free to give me a call if you have any questions or concerns.
01/14/2021	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was result of identity theft	GA 31021	Web
My identity has been compromised by somebody that I do not know. Please feel free to give me a call if you have any questions or concerns.
12/30/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	GA 30312	Web	Servicemember
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.
01/29/2023	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	IL 60651	Web
I shouldn't have any negative items on my credit report please remove all negative items thank you theirs no Information to be verified.
11/26/2020	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was paid	GA 30281	Web
On XX/XX/20 I paid this account in full through a settlement and was told it would be deleted. Please help get this removed Immediately!
11/04/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NC 28311	Web
The collection agency is in violation of law for reporting inaccurate and fraudulent collection account reported from my credit report.
10/11/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	SC 29223	Web	Servicemember
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.
04/06/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 77073	Web
NCB is claiming that I owe them {$6400.00} but I didn't recognize this debt. Please Remove this inaccurate collection from my report.
11/06/2022	Yes	Debt collection Auto debt	Communication tactics You told them to stop contacting you, but they keep trying	SC XXXXX	Web
XXXX has sold this account and the vehicle was removed and they put it back on with a different date. It was sold to NBC MANAGEMENT
10/15/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL 34743	Web
My information was sold to a different company. I also have medical bills from places I know I havent visited to receive treatment.
03/09/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	OH XXXXX	Web
I don't know who these people are.i asked for a debt validation and they sent me a letter with someone else 's email address on it.
09/23/2017	Yes	Debt collection Auto debt	Took or threatened to take negative or legal action Collected or attempted to collect exempt funds	NJ 08302	Web	Older American
NCB Management Services , Inc. sent me a legal document stating that I am being sued. I have no signed contract with this company.
03/04/2021	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was result of identity theft	AL 361XX	Web
My identity has been compromised by somebody I do not know. Please feel free to contact me if you have any questions or concerns.
12/07/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	NC 27603	Web
This information has been removed off of another account, therefore it needs to be removed off my XXXX and XXXX account. Thanks.
12/19/2020	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	NV 89110	Web	Servicemember
In 2013 this vehicle was charged off. And I have the proof. It's only showing on two credit bureau and it should be on all three
02/06/2016	Yes	Debt collection Credit card	Communication tactics Frequent or repeated calls	PA 19135	Web
I have a payment plan with them i missed one time and I continue to get calls two three times per day including Sat and Sundays.
06/08/2023	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	FL 33619	Web
They keep calling me and emailing me about a debt I never ever heard about before. Calling me from fake numbers every other day
01/21/2020	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	AL 36869	Web
NCB for a debt regarding XXXX XXXX. They placed this on my credit report without sending me a letter allowing me to dispute it.
10/09/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	OH 448XX	Web
I asked to verify it belongs to Me and they said they do belong to me with no real proof names on the account are not the same
05/27/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	NJ 07109	Web	Servicemember
This account is not accurate NCB Management Service please send me a validation of debt and also they are violating FCRA law
04/03/2016	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	PA 183XX	Web
I XXXX XXXX receiv a threating letter from ncb management service.and threaing phone call s a bout a vehicle I do n't have.
04/27/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	TX 75134	Web	Servicemember
Agency agreed to a pay for deletion on this account. Account has been paid in full as agreed between myself and agency.
03/26/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	UT 84065	Web
NCB Management is reporting on a debt that I do not owe! This debt has been paid and it needs to be fixed on my credit.
11/16/2018	Yes	Debt collection I do not know	Communication tactics You told them to stop contacting you, but they keep trying	WA 98664	Web
Calls all through out the day Keep calling after I repeatedly ask them to stop Change their numbers to hide themselves
06/09/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NY 11434	Web
This not my account, have absolutely no idea what it is and where it came from, contacted creditors and no response..
08/26/2022	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	MN 55303	Web
I have received a minimum of one call if not more every single day for over a year despite not engage or interacting.
06/16/2022	Yes	Debt collection Auto debt	Communication tactics Frequent or repeated calls	GA 303XX	Web
15usc1681 section 602a and 15usc1681 section 604a. I would like NCB Management Services deleted off my credit report.
04/21/2016	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	VA 23602	Web
This company continues to call my place of employment. They have been asked to stop numerous times. I work in a XXXX.
11/06/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NC 28451	Web
a car loan i had 4 years ago bout to be going on 5 years keep harassing me for money and my information on my credit
09/02/2019	Yes	Debt collection Payday loan debt	Communication tactics Frequent or repeated calls	OH 43228	Web
The company calls repeatedly at all times of the day. They have not responded to my request that I not be contacted.
07/04/2021	Yes	Debt collection Payday loan debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	TX 760XX	Web
I HAVE TRIED TO DISPUTE THIS DEBT NUMEROUS TIMES PER : Title IV of the Consumer Credit Protection Act. Section 401.
07/09/2023	Yes	Debt collection Auto debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	AL 354XX	Web
THIS COLLECTION IS REPEATLY PUT ON MY CREDIT REPORT DAMAGING MY CREDIT WITH THE OPENING DATES CHANGING EVERY TIME.
06/27/2023	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt is not yours	TX 75159	Web
NCB Management Services and XXXX XXXX are reporting on the same debt that has not been validated as being owed me.
08/15/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	FL 32818	Web
This is not my debt. They cant prove that the account belongs to me. Im victims of a scam due to identity theft.
08/27/2015	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	CA 92154	Web	Servicemember
all calling my cell no they are debt collector using different names all the times and different companies also
09/17/2023	Yes	Debt collection Credit card debt	Communication tactics You told them to stop contacting you, but they keep trying	WI 54449	Web
continue to call work to collect debt. collection agency was notified several times to stop calling at work.
01/22/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	GA 300XX	Web	Servicemember
I sent dispute to credit bureaus about this account is not mine, please remove this account from my credit.
12/11/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NC 27410	Web
I did not owe anything from these Debt Collectors ; 1. NCB MANAGEMENT SERVICES INC . XXXX. XXXX XXXX XXXX
07/07/2022	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	WA 98683	Web	Older American
Told them to see Bankruptcy that was DISCHARGED XX/XX/XXXX COLLECTIONIS SHOWING AN OPENING OF XX/XX/XXXX?
10/27/2021	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was result of identity theft	DE 198XX	Web	Servicemember
COMPLAINT ID XXXX SUBMITTED ON XX/XX/2021 PRODUCT Debt collection ISSUE Attempts to collect debt not owed
02/02/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	GA 310XX	Web
I received a 1099-C cancellation of debt but still getting request from debt collector requesting money.
11/24/2023	Yes	Debt collection Payday loan debt	Communication tactics Frequent or repeated calls	GA 30043	Web
They keep harassing my parents ' house phone when the company isn't even trying to reach them directly.
06/21/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit repair services	Confusing or misleading advertising or marketing	IN 47906	Web
Ive been harassed and bothered by debt collectors for accounts I didnt opened. Family has been harassed
11/10/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	SC 293XX	Web
I sent XXXX and XXXX and XXXX letters to valdated and debt with an debt collector no ones reponded
10/19/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	PA 152XX	Web
Have multiple delinquent credit card accounts/loans on my report that I never was aware of or made.
05/04/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	FL 334XX	Web
I have a lot of inquiries I have no knowledge about and open auto loans on my credit report profile
04/12/2021	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	FL 34744	Web
Debt collcetion company agreed to remove from credit report once paid and they DID NOT AS AGREED
07/14/2021	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt is not yours	NY 10457	Web
The company claims : I owe, {$16000.00}. I do not agree with the claim in fact, I owe {$0.00}.
07/23/2023	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	SC XXXXX	Web
IN REVIEWING MY CREDIT FILE I WAS DENIED DUE TO ACCOUNT ON MY FILE THAT I HAVE NEVER OPENED.
08/06/2020	Yes	Debt collection Payday loan debt	Took or threatened to take negative or legal action Collected or attempted to collect exempt funds	GA 30067	Web
NCB management service say I owe them I don't owe them nothing and they put it on my credit
11/02/2022	Yes	Debt collection Payday loan debt	Communication tactics Frequent or repeated calls	FL 32837	Web
Repeated calls after hours with threatening tones. called after requested to stop calling
08/08/2021	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was paid	NY 10303	Web
This account was settled and closed and this company is trying to open the account back up
02/19/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 33312	Web
Missed call from collection agency for debt from someone who does not live in the property
08/07/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NJ 08854	Web
NCB MANAGEMENT SERVICE i have sent my FTC affidavit it is also attached to this complaint
06/16/2021	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	AZ XXXXX	Web
Ncb mtg services keeps calling me at work. Their number is XXXX. I can't take these calls
05/15/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	TX 77084	Web	Servicemember
Have made many many calls with them and no response from management. This is not my debt
03/06/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	KY 41042	Web
Account was disputed. Tried to dispute through credit breaus and through company itself
03/30/2021	Yes	Debt collection Payday loan debt	Took or threatened to take negative or legal action Collected or attempted to collect exempt funds	CA 90660	Web
I did not get this loan an ex spouse used my information to get loan and not pay it off
06/30/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	CA 92024	Web
Someone stole my identity and opened many accounts without my permission or authority.
02/23/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NY 11432	Web
Quite unsure why i have loans open under my name for a vehicle that i did not purchase
10/23/2020	Yes	Debt collection Credit card debt	Written notification about debt Notification didn't disclose it was an attempt to collect a debt	PA 19061	Web
check attachment. NCB is in violation of 15 usc 1692e. ( 11 ) and 15 usc 1692g
04/27/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	PA 19143	Web
Sending back verified without providing information on how the debit is mines
09/17/2022	Yes	Debt collection Auto debt	Communication tactics Frequent or repeated calls	TX 769XX	Web
Constant harassment by calling multiple times a day at all times of the day.
05/07/2018	Yes	Vehicle loan or lease Loan	Managing the loan or lease Loan sold or transferred to another company	TX XXXXX	Web
harrassing to pay, calls all day long leave message at least 6 times a day
08/26/2022	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	NC 27704	Web
Calling everyday concerning the debt. Dates XXXX. The amount owe is XXXX
02/02/2022	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	CA 91911	Web
I keep seeing this on my credit bureaus and dont know what or who it is.
05/27/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MO 64030	Web
This company refused to remove this information off of my credit report
08/23/2021	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 77584	Web
Unauthorized and inaccurate accounts reported from my credit report
07/07/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	MI 48227	Web
I requested Information verifying this debt, but never received it.
03/08/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	FL 33032	Web
This account has been paid for and nobody wants to remove it.
02/17/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	OH 456XX	Web
This was suppose to be paid by switching cell phone companies
05/19/2017	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt is not yours	TX XXXXX	Web
This company is not licensed to collect in the state of Texas
05/31/2018	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	SC 29501	Web
They need to stop calling my job. I will sue for harassment.
01/23/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	WI 53218	Web	Servicemember
This account information is Inaccurate and need to be fixed
05/02/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TN 37421	Web
I got a bill in the mail date XX/XX/XXXX from ncb services
08/17/2023	Yes	Debt collection Credit card debt	Communication tactics Frequent or repeated calls	FL 33771	Web
Repeat phone calls and messages One today at XXXX XXXX
04/24/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	MI 48185	Web
Illegally reporting to credit report without consent..
07/01/2023	Yes	Debt collection Credit card debt	Communication tactics Frequent or repeated calls	TX 790XX	Web
Repeatedly calling and leaving silent voice-mails.
07/14/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	CA 91106	Web
Reporting closed loans as open and owing money
05/04/2022	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	FL 34207	Web
Didnt get any information to verify this debt
08/17/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	CA 94577	Web
I am not aware or I don't know of this debt.
05/05/2021	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was result of identity theft	FL 32207	Web	Servicemember
This Debit is not mine this was due to fraud
05/15/2018	Yes	Debt collection Credit card debt	False statements or representation Attempted to collect wrong amount	OH 44105	Web
I do not have a contract with this company.
05/02/2018	Yes	Payday loan, title loan, or personal loan Payday loan	Received a loan you didn't apply for	SC 293XX	Web
This account is an fraudulent account.
12/02/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30126	Web
This is not my account
10/04/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 77581	Web
Violates Hippa and cra
11/04/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	FL 34639	Web
Had identity stolen
12/30/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	IL XXXXX	Web
Debt is not owed
01/29/2024	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 78220	Web

01/25/2024	Yes	Debt collection Payday loan debt	Threatened to contact someone or share information improperly Contacted you instead of your attorney	OH 44870	Web

01/25/2024	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was result of identity theft	LA 70714	Web

01/24/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	SC 29020	Web

01/23/2024	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was paid	IL 60565	Web

01/23/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 75051	Web

01/23/2024	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 77365	Web

01/22/2024	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	FL 32701	Web

01/22/2024	Yes	Debt collection Payday loan debt	Written notification about debt Didn't receive enough information to verify debt	MN 55391	Web

01/21/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NY 11692	Web

01/20/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 78613	Web

01/18/2024	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	FL 34243	Web

01/17/2024	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	MI 48038	Web

01/15/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	NJ 07062	Web

01/15/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 77070	Web

01/12/2024	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 77336	Web	Servicemember

01/12/2024	Yes	Debt collection Rental debt	Attempts to collect debt not owed Debt was paid	TX 77545	Web

01/11/2024	Yes	Vehicle loan or lease Loan	Repossession Loan balance remaining after the vehicle is repossessed and sold	GA 30291	Web

01/11/2024	Yes	Debt collection Payday loan debt	False statements or representation Attempted to collect wrong amount	TX 763XX	Web	Older American

01/08/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Was not notified of investigation status or results	AL 36093	Web

01/08/2024	Yes	Vehicle loan or lease Loan	Getting a loan or lease Loan opened without my consent or knowledge	IL 60462	Web

01/08/2024	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 77064	Web

01/08/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	CA 90746	Web

01/08/2024	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive notice of right to dispute	CA 92507	Web

01/07/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Their investigation did not fix an error on your report	TN 37042	Web

01/07/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 75010	Web

01/05/2024	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 77583	Web

01/05/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33025	Web

01/05/2024	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	OH 43551	Web

01/04/2024	Yes	Debt collection Payday loan debt	False statements or representation Attempted to collect wrong amount	IN 46383	Web

01/04/2024	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	AL 35022	Web	Servicemember

01/03/2024	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 77384	Web

01/03/2024	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 33713	Web

01/02/2024	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	TX 75482	Web

01/02/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	FL 33841	Web

01/01/2024	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	MI 482XX	Web

12/27/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MS 387XX	Web

12/27/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33417	Web

12/27/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Their investigation did not fix an error on your report	GA 30022	Web

12/27/2023	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	MI 48126	Web

12/26/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	IL 60621	Phone

12/25/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	GA 30294	Web

12/24/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	LA 71220	Web

12/24/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	FL 34711	Web

12/23/2023	Yes	Debt collection Payday loan debt	Written notification about debt Didn't receive enough information to verify debt	FL 33805	Web

12/22/2023	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was paid	OH 452XX	Web

12/21/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 341XX	Web

12/21/2023	Yes	Vehicle loan or lease Lease	Repossession Loan balance remaining after the vehicle is repossessed and sold	GA XXXXX	Web

12/21/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	FL 33024	Web

12/19/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was paid	TX 78220	Web

12/19/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	PA 17402	Web

12/18/2023	Yes	Debt collection I do not know	Threatened to contact someone or share information improperly Contacted you after you asked them to stop	GA 30328	Web

12/17/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	NJ 07111	Web

12/16/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	OK 73013	Web

12/16/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	GA 30349	Web

12/15/2023	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	IL 60449	Web

12/15/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	FL 33181	Web

12/13/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 77384	Web

12/12/2023	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	TX 75035	Web

12/11/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 75062	Web

12/07/2023	Yes	Debt collection Auto debt	Written notification about debt Didn't receive enough information to verify debt	NY 11692	Web

12/06/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	AL 36116	Web

12/06/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	NV 89101	Web

12/05/2023	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was result of identity theft	MI 48059	Web

12/05/2023	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	FL 33908	Web

12/05/2023	Yes	Debt collection I do not know	Communication tactics You told them to stop contacting you, but they keep trying	OH 43209	Web

12/02/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	IL 60617	Web

11/30/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	VA 23669	Web

11/22/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 33328	Web

11/22/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 77493	Web

11/17/2023	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was result of identity theft	FL 33607	Web

11/15/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	FL 33619	Web

11/15/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NV 89031	Web

11/08/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	IL 60504	Web

11/08/2023	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	TX 76137	Web

11/07/2023	Yes	Debt collection Telecommunications debt	Attempts to collect debt not owed Debt is not yours	CA 92234	Web

11/07/2023	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was result of identity theft	NY 11368	Web

11/07/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	IL 60601	Web

11/07/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	VA 22306	Web

11/06/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	IL 60608	Web

11/05/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	TX 75241	Web

11/04/2023	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	NC 27405	Web

11/03/2023	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt is not yours	NY 10019	Web

11/03/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Their investigation did not fix an error on your report	TN 37363	Web

11/03/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	MD 20646	Web

11/03/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Their investigation did not fix an error on your report	NY 12428	Web

11/02/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	SC 293XX	Web

11/02/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	PA 19145	Web

11/01/2023	Yes	Debt collection I do not know	Communication tactics You told them to stop contacting you, but they keep trying	FL 32514	Web

10/31/2023	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was result of identity theft	FL 33309	Web

10/30/2023	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	FL 33407	Web

10/30/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NY 11222	Web

10/27/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	TX 77070	Web

10/24/2023	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt is not yours	OK 74133	Web

10/23/2023	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	FL 33014	Web

10/23/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 77365	Web

10/23/2023	Yes	Debt collection Auto debt	Communication tactics You told them to stop contacting you, but they keep trying	NH 03864	Web

10/23/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	OH 44313	Web

10/23/2023	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	FL 33014	Web

10/22/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 79934	Web	Servicemember

10/19/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Their investigation did not fix an error on your report	WI 53216	Web

10/18/2023	Yes	Debt collection Payday loan debt	Written notification about debt Didn't receive enough information to verify debt	GA 30312	Web

10/18/2023	Yes	Debt collection Payday loan debt	Communication tactics Frequent or repeated calls	TX 76309	Web

10/18/2023	Yes	Vehicle loan or lease Loan	Repossession Deficiency balance after repossession	GA 31407	Web

10/17/2023	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 79922	Web

10/13/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was paid	TX 78015	Web

10/13/2023	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was paid	PA 19464	Web

10/13/2023	Yes	Debt collection I do not know	Threatened to contact someone or share information improperly Contacted you after you asked them to stop	FL 32068	Web

10/13/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30329	Web

10/12/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 77032	Web

10/11/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	TX 77598	Web

10/10/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	LA 70114	Web

10/06/2023	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was paid	WI 53224	Web

10/06/2023	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	SC 29651	Web

10/05/2023	Yes	Debt collection I do not know	False statements or representation Attempted to collect wrong amount	PA 19464	Web

10/05/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	IL 60653	Web

10/02/2023	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	CA 93230	Web

10/02/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	NY 10456	Web

09/29/2023	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was result of identity theft	TX 77598	Web

09/28/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	FL 33062	Phone

09/26/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 32808	Web

09/25/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	VA 22191	Web

09/24/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	LA 70114	Web

09/23/2023	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt is not yours	FL 33067	Web

09/22/2023	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	FL 33181	Web

09/21/2023	Yes	Debt collection Auto debt	Communication tactics Frequent or repeated calls	GA 30401	Web

09/20/2023	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was result of identity theft	MS 39560	Web	Servicemember

09/20/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	GA 30058	Web

09/18/2023	Yes	Debt collection Payday loan debt	Communication tactics Frequent or repeated calls	FL 33169	Web

09/12/2023	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt is not yours	VA 24017	Web

09/07/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL 32818	Web

09/06/2023	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	OH 43551	Web

09/06/2023	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	CA 92223	Web

09/05/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Public record information inaccurate	KY 40219	Web

09/05/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	CA 91730	Web

09/04/2023	Yes	Debt collection Auto debt	False statements or representation Attempted to collect wrong amount	FL 32808	Web

09/04/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	MO 63101	Web	Servicemember

08/29/2023	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was paid	MD 21228	Phone

08/28/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	GA 30238	Web

08/27/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 32068	Web

08/27/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	IN 47201	Web

08/25/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	NJ 07112	Web

08/25/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	GA 30144	Web

08/24/2023	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	OH 44216	Web

08/23/2023	Yes	Payday loan, title loan, or personal loan Payday loan	Received a loan you didn't apply for	TN 38017	Web

08/19/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	OH 43605	Web

08/19/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	LA 70127	Web

08/18/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	CA 94578	Web

08/18/2023	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 75216	Web

08/17/2023	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was result of identity theft	GA 30331	Web

08/16/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	DE 19711	Web

08/14/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	PA 19140	Web

08/12/2023	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt is not yours	FL 33510	Web

08/09/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 75052	Web

08/08/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	TX 77021	Web

08/03/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was paid	FL 33157	Web

08/01/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	MS 39739	Web

07/30/2023	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	AR 72142	Web

07/27/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	GA 30815	Web	Servicemember

07/27/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	LA 70814	Web

07/26/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	SC 29073	Web

07/24/2023	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	NJ 08902	Web

07/21/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	TX 75062	Postal mail

07/19/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 75650	Web

07/19/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	TX 75240	Web

07/18/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	OH 43004	Web

07/16/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	AL 35064	Web

07/15/2023	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	MD 21221	Web

07/14/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	OK 74021	Web

07/14/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	IL 60406	Web

07/13/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	MO 64052	Web

07/13/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 33445	Web

07/12/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	VA 23323	Web

07/12/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	AZ 85249	Web	Servicemember

07/06/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Was not notified of investigation status or results	FL 32811	Web

07/06/2023	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was result of identity theft	IL 60628	Web

07/06/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	LA 70817	Web

07/05/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	FL 32303	Web

07/05/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NV 89014	Web

07/05/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	TX 77014	Web

07/02/2023	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	CA 92223	Web

07/01/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 76011	Web

06/29/2023	Yes	Debt collection Auto debt	Written notification about debt Didn't receive enough information to verify debt	TN 37013	Web

06/29/2023	Yes	Debt collection Auto debt	False statements or representation Attempted to collect wrong amount	CA 92009	Web

06/27/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	AZ 85204	Web

06/26/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	TX 78204	Web

06/23/2023	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	TX 77407	Web

06/22/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 75154	Web

06/21/2023	Yes	Debt collection Auto debt	False statements or representation Attempted to collect wrong amount	SC 29073	Web

06/21/2023	Yes	Debt collection Auto debt	Communication tactics You told them to stop contacting you, but they keep trying	GA 30241	Web

06/20/2023	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt is not yours	AR 72209	Web

06/20/2023	Yes	Debt collection Auto debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	TX 77469	Web

06/19/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	MD 20785	Web

06/19/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	WI 53225	Web

06/18/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	FL 33476	Web

06/17/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	FL 33269	Web

06/17/2023	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	TX 78251	Web	Servicemember

06/16/2023	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was result of identity theft	GA 31210	Web

06/16/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	AR 72069	Web

06/14/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	DE 19720	Web

06/14/2023	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	TX 75052	Web

06/13/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	TN 38128	Web

06/13/2023	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt is not yours	TN 38114	Web

06/13/2023	Yes	Debt collection Credit card debt	Threatened to contact someone or share information improperly Contacted you after you asked them to stop	GA 30815	Web	Servicemember

06/12/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TN 38016	Web

06/09/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TX 75116	Phone

06/08/2023	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was paid	NC 28306	Web

06/07/2023	Yes	Debt collection Auto debt	False statements or representation Attempted to collect wrong amount	SC 29073	Web

06/07/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL 33615	Web

06/06/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	FL 32534	Web

06/06/2023	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	MT 59105	Web

06/06/2023	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was result of identity theft	GA 30019	Web

06/05/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	PA 19023	Web

06/05/2023	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 75013	Web

06/04/2023	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	LA 70127	Web

06/03/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	IN 46229	Web

05/31/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MD 20602	Web

05/30/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	LA 70049	Web

05/30/2023	Yes	Debt collection Auto debt	False statements or representation Attempted to collect wrong amount	DE 19805	Web

05/25/2023	Yes	Debt collection Payday loan debt	Communication tactics Used obscene, profane, or other abusive language	VA 23456	Web	Servicemember

05/24/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30062	Web

05/22/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	MO 64501	Web

05/20/2023	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt is not yours	FL 33510	Web

05/18/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	TX 77573	Web

05/18/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	CA 90046	Web

05/16/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	FL 33426	Web

05/14/2023	Yes	Debt collection I do not know	False statements or representation Attempted to collect wrong amount	WA 98802	Web

05/14/2023	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was result of identity theft	CA 91316	Web

05/11/2023	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt is not yours	AL 35160	Web

05/10/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30605	Web

05/09/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	GA 30092	Web

05/07/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	MO 64129	Web

05/02/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	TX 77469	Web

04/30/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30120	Web

04/29/2023	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was result of identity theft	GA 30033	Web

04/28/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	PA 15208	Web

04/28/2023	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	AL 36830	Web

04/28/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 32608	Web

04/27/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	LA 70563	Web	Servicemember

04/26/2023	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	MS 39272	Web

04/24/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	TX 76063	Web

04/22/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	SC 29073	Web

04/22/2023	Yes	Debt collection Auto debt	Written notification about debt Didn't receive enough information to verify debt	AL 35215	Web

04/19/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	RI 02908	Web

04/18/2023	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	WA 98273	Web

04/18/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	FL 33126	Web

04/18/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	FL 33126	Web

04/15/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	SC 29485	Web

04/10/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MI 48146	Web

04/07/2023	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was paid	GA 30461	Web

04/07/2023	No	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was paid	GA 30461	Web

04/07/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL 33476	Web

04/06/2023	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt is not yours	GA 30288	Phone

04/01/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	OK 73003	Web	Servicemember

03/31/2023	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	GA 30345	Web

03/27/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	IL 60409	Web

03/27/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Difficulty submitting a dispute or getting information about a dispute over the phone	FL 32097	Phone

03/26/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	IL 60438	Web

03/24/2023	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Denied request to lower payments	CO 80237	Web	Older American

03/23/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	FL 33126	Web

03/23/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	FL 33126	Web

03/21/2023	Yes	Debt collection Auto debt	Written notification about debt Didn't receive enough information to verify debt	NJ 07111	Web

03/15/2023	Yes	Vehicle loan or lease Loan	Incorrect information on your report Account information incorrect	TX 77338	Web

03/15/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	LA 70049	Web

03/14/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	GA 30127	Web

03/14/2023	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt is not yours	MD 20902	Phone

03/13/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	AL 36116	Web

03/13/2023	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 75181	Web

03/11/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	SC 29073	Web

03/10/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	PA 19136	Web

03/10/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CA 90068	Web

03/08/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	FL 32837	Web

03/08/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Was not notified of investigation status or results	TX 75482	Web

03/07/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 77014	Web

03/06/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Incorrect information on your report Account information incorrect	TX 77396	Web

03/05/2023	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	OK 74133	Web

02/27/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NH 03260	Web

02/26/2023	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened to sue you for very old debt	FL 33463	Web

02/23/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	MO 63107	Web

02/22/2023	Yes	Debt collection Auto debt	Written notification about debt Didn't receive enough information to verify debt	IL 60433	Phone

02/21/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 77054	Web

02/17/2023	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	FL 34787	Web

02/16/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	AL 35160	Web

02/15/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	FL 32216	Web

02/14/2023	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	FL 33411	Web

02/14/2023	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt is not yours	FL 33470	Phone

02/13/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	LA 70563	Web	Servicemember

02/10/2023	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was result of identity theft	FL 33033	Web

02/08/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	OH 45238	Web

02/08/2023	Yes	Debt collection Credit card debt	Threatened to contact someone or share information improperly Contacted you after you asked them to stop	AL 35044	Web

02/04/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 76951	Web

01/31/2023	Yes	Debt collection I do not know	False statements or representation Told you not to respond to a lawsuit they filed against you	FL 32205	Web

01/30/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NC 28078	Web

01/30/2023	Yes	Debt collection Auto debt	Written notification about debt Didn't receive enough information to verify debt	SC 29316	Web

01/30/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit repair services	Problem with customer service	LA 70578	Web

01/29/2023	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt is not yours	FL 33027	Web

01/28/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 32025	Web

01/24/2023	No	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	TX 77054	Web

01/23/2023	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	AZ 85719	Web

01/23/2023	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	SC 29069	Web

01/19/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30088	Web

01/18/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	CA 91316	Web

01/16/2023	Yes	Payday loan, title loan, or personal loan Personal line of credit	Struggling to pay your loan	IL 60422	Web

01/15/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Was not notified of investigation status or results	FL 33169	Web

01/12/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	SC 29150	Web

01/12/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NJ 07107	Web

01/12/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	SC 29720	Web

01/11/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	MA 02121	Web

01/11/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	SC 29229	Phone

01/10/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	IL 60619	Web

01/09/2023	Yes	Debt collection Auto debt	False statements or representation Attempted to collect wrong amount	GA 30122	Web

01/09/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	PA 19131	Web

01/08/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	LA 71115	Web

01/06/2023	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt is not yours	IL 60484	Web

01/05/2023	No	Debt collection Auto debt	Attempts to collect debt not owed Debt is not yours	MO 63376	Web

01/04/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	AL 36054	Web

01/04/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	PA 19015	Web

01/03/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	CA 94121	Web

01/02/2023	Yes	Debt collection Auto debt	Written notification about debt Didn't receive notice of right to dispute	PA 19140	Web

01/01/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	CA 90048	Web

01/01/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	TX 75215	Web

12/31/2022	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	LA 70815	Web

12/29/2022	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	FL 33185	Web

12/28/2022	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Loan balance remaining after the vehicle is repossessed and sold	IL 60462	Web

12/28/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	OH 44143	Web

12/27/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	FL 33411	Phone

12/23/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	IL 61108	Web

12/22/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	FL 33009	Web

12/21/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	GA 30331	Web

12/21/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	FL 33404	Phone

12/20/2022	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	WA 98036	Web

12/18/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	AL 35613	Web

12/17/2022	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt is not yours	GA 30016	Web

12/14/2022	Yes	Debt collection Credit card debt	Communication tactics Frequent or repeated calls	NE 68130	Web

12/14/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	IL 60608	Web

12/11/2022	Yes	Debt collection Payday loan debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	OH 43204	Web

12/07/2022	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt is not yours	FL 33916	Web

12/07/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	SC 29203	Web

12/06/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	OH 44507	Phone	Servicemember

12/05/2022	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was result of identity theft	NY 11432	Web

12/03/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Was not notified of investigation status or results	TX 75052	Web

12/02/2022	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was result of identity theft	GA 30294	Web

12/01/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NJ 07032	Web

11/30/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	GA 30294	Web

11/29/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	GA 30701	Web

11/28/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 34638	Web

11/27/2022	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	SC 29316	Web

11/24/2022	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was paid	CT 06470	Web

11/23/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	PA 19106	Web	Servicemember

11/22/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 95991	Web

11/21/2022	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt is not yours	MO 63188	Web	Servicemember

11/20/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	SC 29697	Web

11/20/2022	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was result of identity theft	NY 11798	Web

11/20/2022	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	AR 72142	Web

11/17/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	TX 77099	Web

11/16/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL 33313	Web

11/16/2022	Yes	Debt collection Credit card debt	False statements or representation Attempted to collect wrong amount	NY 12563	Web	Older American

11/14/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Problem with personal statement of dispute	WI 54806	Web	Servicemember

11/13/2022	Yes	Debt collection I do not know	False statements or representation Attempted to collect wrong amount	SC 29316	Web

11/12/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	IN 46235	Web

11/11/2022	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt is not yours	FL 32308	Web

11/09/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	FL 32828	Web

11/08/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 33027	Web

11/03/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	FL 33881	Web

11/02/2022	Yes	Debt collection Auto debt	False statements or representation Attempted to collect wrong amount	NC 28472	Web

10/31/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	GA 30238	Web

10/30/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 75115	Web	Servicemember

10/27/2022	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was result of identity theft	FL 34771	Web	Servicemember

10/26/2022	Yes	Debt collection Auto debt	Communication tactics Frequent or repeated calls	AL 36732	Web	Servicemember

10/26/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Was not notified of investigation status or results	SC 29532	Web

10/26/2022	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	AL 35613	Web

10/26/2022	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	SC 29456	Web

10/24/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NV 89121	Web

10/24/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	SC 29501	Web

10/23/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	GA 30294	Web

10/22/2022	Yes	Debt collection Credit card debt	False statements or representation Impersonated attorney, law enforcement, or government official	TX 78752	Web

10/22/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 33308	Web

10/19/2022	Yes	Debt collection Payday loan debt	Communication tactics You told them to stop contacting you, but they keep trying	OH 43537	Phone

10/19/2022	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was result of identity theft	GA 30238	Web

10/13/2022	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TN 37174	Web

10/12/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit repair services	Fraud or scam	SC 29621	Web

10/11/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	GA 30062	Web

10/11/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	FL 34120	Web

10/07/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 33308	Web

10/06/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 77078	Web

10/05/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	SC 29223	Web

10/04/2022	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt is not yours	GA 30005	Web

09/27/2022	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was result of identity theft	TX 77573	Web

09/26/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 77532	Web

09/26/2022	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	OK 73099	Web

09/25/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	DC 20001	Web

09/22/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	IN 46802	Web

09/22/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	FL 32825	Web

09/22/2022	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt is not yours	GA 30012	Web

09/20/2022	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Problem while selling or giving up the vehicle	AZ 85711	Web

09/20/2022	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was result of identity theft	FL 34771	Web	Servicemember

09/20/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	AR 72069	Web

09/20/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	LA 71202	Web

09/18/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 76063	Web

09/18/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	VA 22314	Web

09/16/2022	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was paid	VA 20175	Web

09/15/2022	Yes	Debt collection Auto debt	Written notification about debt Didn't receive enough information to verify debt	GA 30043	Web

09/14/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	FL 32779	Postal mail

09/12/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	CA 91764	Web

09/09/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Report provided to employer without your written authorization	GA 30439	Web

09/08/2022	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	TX 77459	Web

09/08/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	PA 15145	Web

09/08/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 75052	Web

09/08/2022	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Threatened to sue you for very old debt	IL 62305	Web

09/08/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	WI 53220	Web

09/07/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	AL 36020	Referral

09/06/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Incorrect information on your report Account information incorrect	TX 77493	Web

09/06/2022	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt is not yours	FL 34771	Web	Servicemember

09/02/2022	Yes	Debt collection Payday loan debt	Communication tactics Frequent or repeated calls	CA 90630	Web

09/01/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	AR 71909	Web

09/01/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	SC 29505	Web

08/31/2022	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt is not yours	MD 20904	Web

08/31/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	GA 31088	Web

08/30/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	CA 90016	Web

08/28/2022	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	CA 90601	Web

08/23/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	AR 72069	Web

08/21/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	VA 23832	Web

08/19/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	AL 35613	Web

08/18/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	CA 90601	Web

08/16/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TN 38114	Web

08/15/2022	Yes	Debt collection Auto debt	Threatened to contact someone or share information improperly Contacted you after you asked them to stop	FL 32811	Web

08/15/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	GA 30813	Web

08/15/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Was not notified of investigation status or results	SC 29301	Web

08/13/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	WA 98248	Web

08/12/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33411	Web

08/09/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	GA 30012	Web

08/08/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL 33325	Web

08/04/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	GA 30062	Web

08/03/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30326	Web

08/03/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	TX 77014	Web

07/31/2022	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt is not yours	CA 92009	Web

07/30/2022	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	FL 32824	Web

07/28/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 34953	Web

07/28/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33445	Web

07/28/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NY 11207	Web

07/27/2022	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt is not yours	TX 76541	Web	Servicemember

07/27/2022	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 77494	Web

07/27/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CA 91786	Web	Servicemember

07/26/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit repair services	Confusing or misleading advertising or marketing	GA 30127	Web

07/25/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	PA 15427	Web

07/18/2022	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	CA 92675	Web

07/16/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	IL 60604	Web

07/16/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	TX 77014	Web

07/13/2022	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 75227	Web

07/12/2022	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 77042	Web

07/11/2022	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt is not yours	NY 10550	Web

07/10/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30127	Web

07/09/2022	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	SC 29209	Web

07/09/2022	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	LA 71463	Web

07/07/2022	Yes	Vehicle loan or lease Loan	Incorrect information on your report Account information incorrect	FL 33142	Web

07/05/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 77047	Web

07/05/2022	Yes	Debt collection Other debt	Communication tactics Used obscene, profane, or other abusive language	TN 37660	Web

07/04/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Was not notified of investigation status or results	GA 30624	Web

06/30/2022	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	NE 68850	Phone	Servicemember

06/28/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CA 92660	Web

06/28/2022	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Threatened to sue you for very old debt	NY 10941	Web

06/27/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	MD 21136	Web

06/22/2022	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was result of identity theft	MD 21236	Web

06/22/2022	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	SC 29209	Web

06/21/2022	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	MD 20784	Postal mail

06/20/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	VA 23228	Web

06/18/2022	No	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	FL 32824	Web

06/17/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit repair services	Fraud or scam	CA 92114	Web

06/10/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	VA 22554	Web

06/10/2022	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	TX 77090	Web

06/07/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30346	Web

06/07/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	MO 63107	Web

06/06/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	SC 29127	Web

06/06/2022	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TN 38128	Web

06/05/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	TN 38125	Web	Servicemember

06/04/2022	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	SC 29209	Web

06/02/2022	Yes	Vehicle loan or lease Loan	Incorrect information on your report Information belongs to someone else	NY 11203	Web	Servicemember

06/01/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	GA 30168	Web

05/31/2022	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	MD 20784	Web

05/30/2022	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was result of identity theft	CA 91367	Web

05/27/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	IL 60639	Web

05/27/2022	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was result of identity theft	NV 89118	Web

05/25/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	TX 77053	Web

05/25/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NY 11235	Web

05/25/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	GA 30238	Web

05/24/2022	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt is not yours	GA 30241	Web

05/24/2022	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was paid	TX 77410	Web

05/23/2022	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	FL 32065	Web

05/22/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30127	Web

05/21/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	SC 29209	Web

05/20/2022	Yes	Debt collection Auto debt	Written notification about debt Didn't receive enough information to verify debt	GA 31316	Web	Servicemember

05/19/2022	Yes	Debt collection Auto debt	Written notification about debt Didn't receive enough information to verify debt	PA 19380	Web

05/17/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	UT 84106	Web

05/15/2022	Yes	Debt collection I do not know	Communication tactics You told them to stop contacting you, but they keep trying	NC 28229	Web

05/13/2022	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt is not yours	TX 76053	Web

05/13/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	AL 36251	Web	Servicemember

05/06/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	CA 92024	Web

05/05/2022	Yes	Debt collection Auto debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	TX 78503	Web

05/04/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	GA 30260	Web

05/04/2022	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	GA 30058	Referral

05/04/2022	Yes	Debt collection Auto debt	Written notification about debt Didn't receive enough information to verify debt	TN 38570	Web

05/03/2022	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt is not yours	GA 30120	Web

05/02/2022	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	MD 21236	Web

04/29/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 75126	Web

04/29/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	AZ 85379	Web

04/22/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	MI 48045	Web

04/22/2022	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was result of identity theft	TX 77494	Phone

04/20/2022	Yes	Debt collection Auto debt	Written notification about debt Didn't receive enough information to verify debt	GA 30281	Web

04/20/2022	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 76134	Web

04/19/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	NV 89118	Web

04/19/2022	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive notice of right to dispute	FL 33319	Web

04/09/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL 33602	Web

04/08/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	CA 91801	Web

04/08/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	FL 34741	Web

04/08/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	SC 29108	Web

04/07/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	AL 35184	Web

04/06/2022	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt is not yours	FL 32810	Web

04/05/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	CA 93727	Phone

04/05/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	SC 29223	Web

04/04/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	FL 34759	Web

04/01/2022	Yes	Debt collection Payday loan debt	Written notification about debt Didn't receive notice of right to dispute	MI 48837	Web

04/01/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	FL 32811	Web

03/31/2022	Yes	Debt collection Auto debt	Written notification about debt Didn't receive notice of right to dispute	FL 32835	Web

03/31/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	AL 35022	Web

03/30/2022	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was result of identity theft	NY 10550	Web

03/28/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Was not notified of investigation status or results	GA 30331	Web

03/28/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33030	Web

03/27/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	WV 26031	Web

03/24/2022	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was result of identity theft	MS 38655	Web

03/24/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33511	Web

03/23/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33426	Web

03/23/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	SC 29108	Web

03/21/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	FL 32801	Web

03/20/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 95242	Web

03/19/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	WA 98032	Web

03/19/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was paid	WA 98032	Web

03/18/2022	Yes	Debt collection Auto debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	NY 11554	Web

03/15/2022	Yes	Debt collection Auto debt	Took or threatened to take negative or legal action Collected or attempted to collect exempt funds	SC 29935	Web

03/13/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 77520	Web

03/11/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NY 11203	Web	Servicemember

03/10/2022	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt is not yours	GA 31907	Web

03/10/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 77584	Postal mail

03/09/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 95377	Web

03/04/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 31907	Web

03/03/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 76135	Web

03/01/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	CA 91331	Web

03/01/2022	Yes	Debt collection Auto debt	Took or threatened to take negative or legal action Collected or attempted to collect exempt funds	OK 73130	Phone

02/28/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CA 90028	Web

02/28/2022	Yes	Debt collection Payday loan debt	Written notification about debt Didn't receive notice of right to dispute	CA 92530	Web

02/26/2022	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	PA XXXXX	Web

02/25/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	RI 02920	Web

02/23/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NY 11553	Web

02/23/2022	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	GA 30342	Web

02/22/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Incorrect information on your report Account status incorrect	MN 55303	Web

02/20/2022	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt is not yours	SC 29414	Web

02/20/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	MN 55014	Web

02/19/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	TX 77530	Web

02/18/2022	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	FL 34668	Web

02/17/2022	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was paid	FL 33025	Web

02/15/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 76011	Web

02/14/2022	Yes	Debt collection I do not know	Written notification about debt Notification didn't disclose it was an attempt to collect a debt	LA 71109	Web

02/13/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	TX 77630	Web

02/11/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	GA 30331	Web

02/11/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	SC 297XX	Web

02/09/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	MO 63376	Web

02/04/2022	Yes	Debt collection Payday loan debt	Written notification about debt Didn't receive notice of right to dispute	FL 33309	Web

02/03/2022	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 75146	Web

02/02/2022	Yes	Debt collection Auto debt	Communication tactics Frequent or repeated calls	AZ 85338	Web

01/31/2022	Yes	Debt collection Credit card debt	Communication tactics Used obscene, profane, or other abusive language	CA 94560	Web

01/30/2022	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	AL 36105	Web

01/27/2022	Yes	Debt collection Auto debt	Communication tactics Frequent or repeated calls	FL 34986	Web

01/27/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	MO 64063	Web

01/26/2022	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	GA 30097	Web

01/25/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	CA 93001	Web

01/25/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	NC 28278	Web

01/21/2022	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	CA 92264	Web

01/20/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NJ 08016	Web

01/19/2022	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was result of identity theft	GA 30052	Web

01/13/2022	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	FL 33309	Web

01/13/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	GA 30240	Web

01/13/2022	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt is not yours	GA 30094	Web

01/13/2022	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt is not yours	GA 30094	Web

01/12/2022	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	VA 22401	Web

01/12/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	OH 43213	Web

01/10/2022	Yes	Debt collection Auto debt	Written notification about debt Notification didn't disclose it was an attempt to collect a debt	MD 21811	Web

01/05/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	TX 76155	Web

01/05/2022	Yes	Debt collection Payday loan debt	False statements or representation Attempted to collect wrong amount	TX 77007	Web

12/28/2021	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt is not yours	NY 11435	Web

12/21/2021	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt is not yours	NY 10453	Web

12/20/2021	Yes	Debt collection Auto debt	Took or threatened to take negative or legal action Threatened to sue you for very old debt	NY 11778	Web

12/20/2021	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	FL 32751	Web

12/18/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was paid	FL 33313	Web

12/15/2021	Yes	Debt collection Auto debt	Written notification about debt Didn't receive enough information to verify debt	NC 28031	Web

12/11/2021	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was paid	FL 33313	Web

12/10/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	MS 38671	Web

12/10/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	LA 70510	Web

12/08/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	IL 60510	Web

12/08/2021	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a credit reporting company's investigation into an existing problem Was not notified of investigation status or results	IL 60510	Web

12/08/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	SC 29137	Web

12/04/2021	Yes	Credit card or prepaid card General-purpose credit card or charge card	Incorrect information on your report Account information incorrect	TX 78732	Web

12/03/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	VA 22701	Web

12/03/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	TN 38401	Web	Servicemember

11/29/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	IL 60443	Web

11/29/2021	Yes	Debt collection Auto debt	Threatened to contact someone or share information improperly Contacted you after you asked them to stop	TN 38128	Web

11/26/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	GA 30260	Web

11/23/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	MD 21042	Web

11/17/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	SC 29449	Web

11/17/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	MI 49417	Web

11/16/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Was not notified of investigation status or results	GA 30152	Web

11/15/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	TN 38105	Web

11/09/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	FL 33065	Web

11/06/2021	Yes	Debt collection Auto debt	Written notification about debt Didn't receive notice of right to dispute	GA 31906	Web

11/05/2021	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt is not yours	AL 35758	Web

11/05/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	SC 290XX	Web

11/05/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	GA 30034	Web

11/02/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	AZ 85335	Web

11/01/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NJ 08844	Web

10/27/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	OH 43207	Web

10/27/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	FL 32210	Web

10/26/2021	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was paid	TX 78640	Web

10/26/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	AZ 85345	Web

10/25/2021	Yes	Debt collection Payday loan debt	Written notification about debt Didn't receive enough information to verify debt	CA 95125	Web

10/25/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	IL 61265	Web

10/19/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	IL 60139	Web

10/19/2021	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was result of identity theft	GA 30238	Web

10/18/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	NY 11378	Web

10/13/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was paid	TX 75060	Web

10/13/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	OH 44125	Web

10/12/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 78681	Web

10/11/2021	Yes	Debt collection Auto debt	Communication tactics Frequent or repeated calls	GA 30135	Web

10/06/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	VA 23229	Web

10/06/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33428	Web

10/05/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	OH 440XX	Web

10/04/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	FL 33309	Web

10/01/2021	Yes	Debt collection Auto debt	Written notification about debt Didn't receive enough information to verify debt	GA 30044	Web

10/01/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	GA 30044	Web

09/27/2021	Yes	Debt collection Auto debt	Written notification about debt Didn't receive notice of right to dispute	TX 77077	Phone

09/25/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	TX 78543	Web

09/25/2021	Yes	Debt collection Auto debt	Communication tactics Frequent or repeated calls	GA 30058	Web

09/24/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	SC 29708	Web

09/23/2021	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was paid	FL 33313	Web

09/22/2021	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt is not yours	MI 48334	Web

09/21/2021	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was result of identity theft	AL 35758	Web

09/21/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NY 10552	Referral

09/21/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	AL 35233	Web

09/21/2021	Yes	Debt collection Auto debt	Written notification about debt Didn't receive notice of right to dispute	AZ 85284	Web

09/20/2021	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	FL 33317	Web

09/20/2021	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was result of identity theft	TX 75204	Web

09/17/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 76134	Web

09/14/2021	Yes	Debt collection I do not know	Communication tactics You told them to stop contacting you, but they keep trying	AL 36606	Web

09/13/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33428	Web

09/11/2021	Yes	Debt collection Auto debt	Written notification about debt Didn't receive notice of right to dispute	FL 33025	Web

09/11/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30134	Web

09/11/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NY 11206	Web

09/10/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	FL 33946	Web

09/09/2021	Yes	Debt collection Auto debt	Written notification about debt Didn't receive enough information to verify debt	NJ 08046	Web

09/09/2021	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	GA 30274	Web

09/08/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	GA 31329	Web

09/05/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	FL 32305	Web

09/03/2021	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt is not yours	MI 48334	Web

08/30/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Was not notified of investigation status or results	MO 63034	Web

08/27/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	FL 32216	Web

08/27/2021	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt is not yours	TX 75093	Web

08/27/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	TN 38128	Web

08/26/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	RI 02920	Web

08/25/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NY 11236	Web

08/25/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	GA 30122	Web

08/25/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	TX 75158	Web

08/25/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 75104	Web

08/24/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	IL 60411	Web

08/18/2021	Yes	Debt collection Payday loan debt	False statements or representation Attempted to collect wrong amount	DE 19938	Web	Servicemember

08/17/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	MD 20785	Web

08/13/2021	Yes	Debt collection Auto debt	Communication tactics Frequent or repeated calls	FL 33313	Web

08/13/2021	Yes	Debt collection Payday loan debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	FL 32669	Web	Older American

08/11/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	SC 29456	Web

08/10/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	SC 29456	Web

08/10/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	TX 78521	Web

08/09/2021	Yes	Debt collection Auto debt	Written notification about debt Didn't receive notice of right to dispute	PA 19129	Web

08/09/2021	Yes	Debt collection I do not know	Communication tactics You told them to stop contacting you, but they keep trying	MO 63332	Web

08/08/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30331	Web

08/06/2021	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	TN 37748	Web

08/05/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	SC 29483	Web

08/04/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 78251	Web

07/31/2021	Yes	Debt collection Auto debt	False statements or representation Attempted to collect wrong amount	NY 10303	Web

07/31/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 77573	Web

07/29/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	TX 770XX	Web

07/27/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	GA 31329	Web

07/26/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	SC 29445	Web

07/25/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	AL 35124	Web

07/23/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	NV 89102	Web

07/22/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33401	Web

07/21/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	IL 60642	Web

07/16/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	KS 67060	Web

07/13/2021	Yes	Debt collection Auto debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	NY 11717	Referral

07/12/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 33029	Web

07/12/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	TX 77504	Web

07/09/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	GA 30038	Web

07/08/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	NY 11575	Web

07/08/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	TX 78621	Web

07/07/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	GA 30274	Web

07/06/2021	Yes	Debt collection Payday loan debt	False statements or representation Attempted to collect wrong amount	FL 32869	Web

07/05/2021	Yes	Debt collection Auto debt	Written notification about debt Didn't receive notice of right to dispute	AL 35224	Web

07/04/2021	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	FL 33569	Web

07/03/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	TX 78526	Web

07/02/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	NJ 07036	Web

07/01/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	WI 53224	Web

06/29/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33025	Web

06/29/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	TX 76006	Web

06/24/2021	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was paid	NJ 07042	Web

06/23/2021	Yes	Debt collection Auto debt	False statements or representation Attempted to collect wrong amount	TX 78840	Web	Servicemember

06/23/2021	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was paid	GA 30028	Web

06/21/2021	Yes	Debt collection Auto debt	Written notification about debt Didn't receive enough information to verify debt	TX 75701	Web

06/21/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was paid	LA 71067	Web

06/17/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	SC 29379	Web

06/16/2021	Yes	Debt collection Payday loan debt	Written notification about debt Didn't receive enough information to verify debt	FL 33024	Web

06/16/2021	Yes	Debt collection Credit card debt	Communication tactics You told them to stop contacting you, but they keep trying	CA 92883	Web

06/16/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 75201	Web

06/15/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	TN 38125	Web

06/15/2021	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was paid	MO 63031	Web

06/15/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	FL 32256	Web

06/14/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	GA 30316	Web

06/10/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	MI 49009	Web

06/10/2021	Yes	Debt collection Medical debt	Threatened to contact someone or share information improperly Talked to a third-party about your debt	AZ 85204	Web

06/09/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	OH 43611	Web

06/09/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information is missing that should be on the report	TX 77708	Web

06/09/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TX 77090	Web

06/08/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	CA 90650	Web

06/07/2021	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	NC 27909	Web

06/07/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	TX 78621	Web

06/04/2021	Yes	Debt collection Auto debt	Written notification about debt Didn't receive enough information to verify debt	TX 77079	Web

06/03/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 75052	Web

05/28/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	WI 54401	Web

05/26/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	CA 90503	Web

05/25/2021	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was paid	CA 95337	Web

05/25/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	OH 44103	Web

05/24/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL 32869	Web

05/22/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	FL 33024	Web

05/18/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	OR 97080	Web

05/18/2021	Yes	Debt collection Auto debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	TX 77379	Web

05/17/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	SC 29445	Web	Servicemember

05/15/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	OH 45231	Web

05/13/2021	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	OH 44312	Web

05/11/2021	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	FL 33603	Web

05/10/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	NY 11581	Web

05/10/2021	Yes	Debt collection I do not know	Communication tactics You told them to stop contacting you, but they keep trying	TX 77048	Web

05/06/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	MI 48185	Phone

05/04/2021	Yes	Debt collection Payday loan debt	Threatened to contact someone or share information improperly Contacted you after you asked them to stop	CA 95125	Web

05/01/2021	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	CA 94607	Web

04/30/2021	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt is not yours	GA 30052	Web

04/29/2021	Yes	Debt collection Auto debt	Written notification about debt Didn't receive enough information to verify debt	GA 30078	Web

04/29/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 77494	Web

04/27/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	FL 32869	Web

04/23/2021	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	OH 44646	Web

04/16/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	CA 90503	Web

04/15/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 31329	Web

04/13/2021	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	KS 66213	Web

04/13/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	IL 62208	Web	Servicemember

04/13/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	NM 88005	Web

04/09/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	NV 89701	Web

04/02/2021	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt is not yours	SC 29935	Web

03/31/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	FL 33317	Web

03/31/2021	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	PA 19312	Web

03/30/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	FL 33024	Web

03/23/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 34952	Web

03/20/2021	Yes	Debt collection Auto debt	Written notification about debt Didn't receive enough information to verify debt	FL 32808	Web

03/14/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	WA 98936	Web

03/13/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	GA 30328	Fax

03/12/2021	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was paid	GA 30260	Web

03/12/2021	Yes	Debt collection Auto debt	Written notification about debt Didn't receive enough information to verify debt	NJ 08618	Web

03/11/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	OH 43229	Web	Servicemember

03/11/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	CA 91792	Web

03/10/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	MI 48188	Web

03/09/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	FL 33460	Web

03/09/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	OH 43611	Web

03/05/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	CA 92057	Web

03/04/2021	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	MD 21206	Web

03/02/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	CA 92057	Web

03/01/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	AL 35601	Web

02/26/2021	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt is not yours	FL 33617	Web

02/23/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	CA 92127	Web

02/20/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	MN 55404	Web

02/20/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33065	Web

02/19/2021	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was paid	NJ 07740	Web

02/18/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	IN 46410	Web

02/18/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	PA 15145	Web

02/16/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	CA 90503	Web

02/16/2021	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt is not yours	VA 23234	Web

02/15/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CA 95912	Web

02/15/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	GA 30331	Web

02/13/2021	Yes	Debt collection I do not know	False statements or representation Attempted to collect wrong amount	TX 75287	Web

02/12/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	UT 84095	Web

02/10/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	GA 30096	Web

02/10/2021	Yes	Debt collection Auto debt	Written notification about debt Didn't receive enough information to verify debt	NY 11416	Web

02/09/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	GA 30024	Web

02/09/2021	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was paid	AL 36203	Web

02/09/2021	Yes	Debt collection Auto debt	Written notification about debt Didn't receive notice of right to dispute	TX 76039	Web

02/03/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 76115	Web

02/03/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33020	Web

02/02/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	NY 11213	Web

01/30/2021	Yes	Debt collection Auto debt	Written notification about debt Didn't receive enough information to verify debt	GA 31027	Web

01/29/2021	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt is not yours	TX 77357	Web

01/27/2021	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Loan balance remaining after the vehicle is repossessed and sold	LA 70068	Web

01/27/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CA 95828	Web

01/26/2021	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt is not yours	TX 77044	Web

01/26/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	GA 30318	Web

01/26/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 75062	Web

01/25/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 75165	Web

01/25/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TN 38135	Web

01/22/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TN 38109	Web

01/22/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	GA 30253	Web

01/22/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 75063	Web

01/22/2021	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt is not yours	FL 33545	Web

01/15/2021	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was result of identity theft	TX 77077	Web

01/14/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	IL 60544	Web

01/12/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	VA 23455	Web

01/12/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	CA 92284	Web

01/12/2021	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	TX 78416	Web

01/11/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 77002	Web

01/08/2021	Yes	Debt collection Auto debt	Written notification about debt Notification didn't disclose it was an attempt to collect a debt	LA 71109	Web

01/08/2021	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	NV 89102	Web

01/07/2021	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Loan balance remaining after the vehicle is repossessed and sold	FL 32117	Web

01/01/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	TX 75115	Web

12/30/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	MD 20814	Web

12/28/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	FL 32818	Web

12/22/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Public record information inaccurate	VA 22003	Web

12/17/2020	Yes	Debt collection Auto debt	Written notification about debt Didn't receive enough information to verify debt	NY 11798	Web

12/08/2020	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	WA 98023	Web

12/06/2020	Yes	Debt collection Auto debt	Written notification about debt Didn't receive enough information to verify debt	PA 19082	Web

12/04/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	VA 22116	Web

12/02/2020	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt is not yours	NY 14850	Web

12/02/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	GA 30236	Web

12/01/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NC 28215	Fax

12/01/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	FL 33025	Web

12/01/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NJ 07106	Fax

12/01/2020	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	NJ 07102	Fax

11/28/2020	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	NJ 07712	Referral

11/24/2020	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	NY 10705	Web

11/21/2020	Yes	Debt collection Auto debt	Written notification about debt Didn't receive enough information to verify debt	MI 48238	Web

11/20/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	GA 30907	Web

11/18/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect		Fax

11/17/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	WI 53235	Fax

11/17/2020	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	NY 11226	Referral

11/13/2020	Yes	Debt collection Auto debt	Communication tactics You told them to stop contacting you, but they keep trying	PA 15219	Web

11/13/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NJ 07107	Fax

11/13/2020	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	SC 29009	Fax

11/10/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Difficulty submitting a dispute or getting information about a dispute over the phone	IL 60409	Web

11/10/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30519	Web

11/10/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	NV 89081	Fax

11/07/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	OH 43008	Web

11/06/2020	Yes	Debt collection Auto debt	Written notification about debt Didn't receive enough information to verify debt	NY 10530	Web

11/06/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	AR 71742	Postal mail

11/06/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	SC 29485	Web	Servicemember

11/06/2020	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	FL 34202	Fax

11/06/2020	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt is not yours	AL 35613	Web

11/04/2020	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	TX 76014	Web

11/04/2020	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	FL 33029	Web

11/03/2020	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	PA 19149	Fax

11/03/2020	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt is not yours	GA 30126	Web

11/02/2020	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	FL 33172	Fax

11/02/2020	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Loan balance remaining after the vehicle is repossessed and sold		Phone

10/28/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	CA 90250	Web

10/27/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CA 92881	Fax

10/22/2020	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	FL 33319	Postal mail

10/22/2020	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 78244	Web

10/20/2020	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt is not yours	MI 48124	Web

10/18/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	IL 60169	Web

10/16/2020	Yes	Debt collection Auto debt	Written notification about debt Didn't receive enough information to verify debt	LA 70117	Web

10/15/2020	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	FL 33165	Web

10/15/2020	Yes	Debt collection I do not know	False statements or representation Attempted to collect wrong amount	MO 64056	Web

10/14/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	AR 72301	Web

10/13/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30326	Web

10/06/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	AL 36111	Web

10/06/2020	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Problem with paying off the loan	MD 21607	Web

09/28/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	NY 12196	Web

09/28/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30240	Web

09/28/2020	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt is not yours	OH 43615	Web

09/23/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 77433	Web

09/21/2020	Yes	Debt collection Auto debt	Written notification about debt Didn't receive enough information to verify debt	NY 11203	Web

09/15/2020	Yes	Debt collection Auto debt	Written notification about debt Didn't receive notice of right to dispute	OK 73132	Web

09/04/2020	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	FL 32824	Web	Servicemember

09/02/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	TX 78613	Web	Servicemember

09/01/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	VA 23112	Web

08/28/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	CA 90744	Web

08/28/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	NY 12196	Web

08/27/2020	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	FL 34639	Web

08/25/2020	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	WA 98023	Web

08/23/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	CA 94526	Web	Servicemember

08/22/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	SC 29407	Web

08/21/2020	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Loan balance remaining after the vehicle is repossessed and sold	FL 33025	Web

08/21/2020	Yes	Debt collection Auto debt	Written notification about debt Didn't receive enough information to verify debt	IA 52002	Web

08/21/2020	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was paid	VA 23601	Web

08/20/2020	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	SC 29485	Web

08/20/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30331	Web

08/20/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	CA 95215	Phone	Older American, Servicemember

08/19/2020	Yes	Debt collection Auto debt	Written notification about debt Didn't receive enough information to verify debt	LA 71104	Web

08/19/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	CA 93552	Phone

08/19/2020	Yes	Debt collection Auto debt	Written notification about debt Didn't receive enough information to verify debt	NY 11727	Web

08/17/2020	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	AZ 85742	Web

08/14/2020	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	LA 70726	Web	Servicemember

08/13/2020	Yes	Debt collection Auto debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	SC 29040	Phone

08/08/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	MD 21619	Web

08/07/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Public record information inaccurate	WI 53546	Web

08/05/2020	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	IL 60510	Web

08/01/2020	Yes	Debt collection Auto debt	Written notification about debt Didn't receive enough information to verify debt	NY 11727	Web

08/01/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	NE 68127	Web	Servicemember

07/29/2020	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt is not yours	IL 60430	Web

07/27/2020	Yes	Debt collection Auto debt	False statements or representation Told you not to respond to a lawsuit they filed against you	FL 32732	Web

07/24/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	FL 33181	Web	Older American

07/23/2020	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 77380	Web

07/22/2020	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 78729	Web

07/20/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	WI 53532	Web

07/20/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	WA 98503	Web

07/17/2020	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	WA 98023	Web

07/13/2020	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt is not yours	FL 32792	Web

07/04/2020	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	TN 38125	Web

06/30/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	CA 95307	Web

06/30/2020	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TN 38018	Fax

06/29/2020	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TN 38125	Fax

06/25/2020	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	FL 32792	Web

06/23/2020	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was paid	HI 96732	Web

06/15/2020	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was result of identity theft	FL 33055	Web

06/13/2020	Yes	Debt collection Payday loan debt	False statements or representation Attempted to collect wrong amount	OK 744XX	Web	Servicemember

06/13/2020	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	DE 19809	Web

06/11/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 33173	Web