NCS, Inc CFPB Complaints

2000 Latest Complaints

Date Received	Timely Response	Product	Issue	State / Zip	Submitted Via	Tags
12/09/2020	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	IA 51104	Web	Servicemember
On XX/XX/2020, I checked my credit report and found that I had an open debt collection account, ( NCS Inc. XXXX XXXX XXXX # XXXX XXXX XXXX, IA XXXX ) from XXXX 'XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX, IA XXXX ) on an account that I did not open. I contacted NCS and requested information regarding the account. I had spoken with a representative, " XXXX '', who had requested information about the account and instructed me to obtain information from XXXX to prove my case. I explained that I no longer live at the address they have on file due to divorce and I was not able to go to the address to obtain said mail. I contacted XXXX and requested copies of all agreements, applications, and any other information on file. I was sent two documents and given limited credit card information regarding billing. I faxed all information to NCS and followed up with a call. I reviewed the documents with " XXXX '' and explained the phone number, email address, mailing address, signatures, and credit card information belonged to my ex-wife and was, in fact, not mine. " XXXX '' stated she would send the information to the consumer relations person who would have to review it and make a decision on whether or not I was liable for the debt. I was contacted by " XXXX '' days later and told because I had a child with my ex, I was responsible for the debt she accrued. I asked where in the law it states having children with someone makes you legally responsible for debt that person acquired. " XXXX '' stated she did not know and was just relaying the information the consumer relations person gave her. I again reviewed the documentation showing where the credit card used for the initial purchase was not mine, the signature was not mine, and the contact information was not mine. " XXXX '' stated to me, " I don't know what to tell you, I'm just the messenger. '' I requested information providing proof that I was notified, or attempted to be notified the account was being sent to collections. I also requested to speak with the consumer relations person for an explanation on how I am liable for a debt I did not agree to, consent to, sign for, or how having a child with someone who owed a debt was inherently my responsibility. I reiterated to " XXXX '' I no longer lived at the address they had on file and requested to pick up the documents at their office. " XXXX '' stated she didn't know if or when the requested information would be available for me to pick up. The next day, I called back to see if the consumer relations person was available as I had not received any information or contact. I was told by " XXXX '' that he was not in the office and she did not know when he would return. I was told to give her a time I would be available and he would call me back. I stated to " XXXX '' I would be available and requested to be contacted as soon as possible. I also asked " XXXX '' if I was able to pickup the documentation I had requested. " XXXX '' stated information was sent to the address that is on file. I once again explained I no longer live at that address and would like to pick up copies for my reference. I was not given any answer on how I would be able to obtain documentation showing proof there was an attempt to collect debt from me or that it had been sent to collections. I asked if I had been sent any notification within 5 days of contact regarding debt collection. I was told no. That afternoon, I was contacted by " XXXX XXXX ''. I asked how it was determined I was liable for the debt. " XXXX '' did not answer the question and stated that I did not contact XXXX to give back the instrument. I again asked how I was liable for the debt. " XXXX '' stated that in his notes I had contacted XXXX in XXXX or XXXX attempting to locate the instrument and that I had not contacted XXXX since. I stated to " XXXX '' I did reach out to them requesting information and stated to the bookkeeper that, if I was able to locate the instrument, I would return it. I also informed " XXXX '' that I was unaware of the debt in XXXX and that I contacted Midbell on XX/XX/2020. " XXXX '' yelled into the phone, " I said XXXX or XXXX. '' " XXXX '' then stated I had not contacted them about giving back the trumpet. I explained to " XXXX '' I no longer live at the address and I had been in contact with my son who I had asked to give me any information about the instrument or if he could tell me where it was. However, I had no information and was not contacting XXXX to tell them I did not have any leads about the whereabouts of said instrument. " XXXX '' stated I sent his office forms about the instrument so I was aware of the debt and that because I have a child with the person who owes the debt, I am liable. I explained to " XXXX '' that I provided the information requested by his office and I had initiated contact with his office regarding the debt. I informed " XXXX '' that even though " XXXX '' had confirmed NCS had my phone number ( which is not listed on any contract, agreement, or any other documentation provided ), I had never been contacted by XXXX or NCS in an attempt to resolve the debt or notify me the debt was being sent to collections. I again informed " XXXX '' I did not have prior knowledge of the debt collection as I requested the information directly from XXXX and that if " XXXX '' checks the timestamps from the emails I also faxed his office, he would see the correspondence between myself and XXXX reps in an attempt to rectify this issue was dated between XX/XX/2020 and XX/XX/2020 ( the day after my initial contact with NCS and XXXX ). " XXXX '' then asked me, " Do you not feel responsible for this debt since it was for your kid? '' I responded to " XXXX '' no, I did not because I did not consent to the purchase, I did not sign for the purchase, I did not make the purchase, and I did not agree to the terms of said purchase. I then asked if I could be shown in the consumer rights or other federal law, where I am liable for a debt I did not agree to take on. " XXXX '' then stated I would be referred to the legal department for action.
04/18/2018	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	IA XXXXX	Web
This debt came about cause of a terrible court ruling in a eviction case in XXXX XXXX. I had been living at XXXX XXXX for two years. They had had several landlord changes. They all knew ahead of time I work out of town for the summer. There is several reasons why i believe this ruling was wrong. For one they had more then enough notice knowing i would be out of town. Cause they had tried to evict me and dropped it after i told them i had phone records to show they knew cause i had called them. Two by the Iowa calculation of time the rent was paid on time. I had a hearing in which my attorney did absolutely nothing to help me. And after the hearing i lost. i did some looking myself and found out the Iowa codes and appealed the case. The judge took about three months to rule. In here ruling in which see stated the wrong facts she ruled to up hold the original judge ruling but gave me my appeal money back. i was on a month to month lease so honestly by my lease agreement which XXXX XXXX has XXXX broke the lease. My lease agreement said rent was late after the XX/XX/XXXXand a XXXX fee was added. It also says that there was a dollar a day fee UNTIL rent was paid. The amount XXXX is trying to collect from me has the XXXX fee plus the dollar a day for each day after the XX/XX/XXXXin that month. I am unable to try to get legal help any futher in court. This collection agency knows this ruling was completely wrong and has evidence there to show it. They told me if i could show the ruling was wrong they would drop it. I did. Then he said they would drop all the over charges and they haven't. They just filed a false claim in court against me saying i was hiding not to be served. They have an attorney there XXXX XXXX so they should know the law and these ruling was wrong.
12/11/2023	No	Debt collection Rental debt	Took or threatened to take negative or legal action Collected or attempted to collect exempt funds	IA XXXXX	Web
Noll Collection is threatening to garnish my XXXX check for a debt they are fully aware of the fact I DO NOT OWE. Noll Collection never properly served me and some how got the judge to allow them to serve me by publication. I was wrongfully evicted from my apartment and I have evidence my landlord was trying to over charge me for rent. I also have evidence my landlord is the ones that broke the lease not me. I worked out of town and my landlord was fully aware of this fact. The lease I signed said when rent was due then I was a fee of a dollar each day rent wasn't paid that month. I literally still have the lease. In fact the judge that ruled against me advised XXXX to remove the dollar a day fee cause in his words it could lead to muddy waters. I was wrongfully evicted from my apartment then railroaded by this legal system here in XXXX XXXX and now Noll Collection is attempting to garnish my XXXX check. The attorney for Noll Collection knew I was working and filed for this notice of publication which should be a crime. XXXX was allowed to illegally evict me then this curupt legal system wrongfully convicted me then to help allowed Noll Collection attorney to serve me by publication trying to steal more money from me by garnishment and I'm wrong for trying to leave my life. This company criminal actions need to be looked into.
03/31/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NE 687XX	Web
Ive been told I owe XXXX to a XXXX XXXX XXXX by NCS inc. Ive already told them on the phone and written letter that it is not my debt and most likely an accounting error. Ive asked them to stop harassing me over the reported debt because it is not mine. I recieved a statement from the creditor showing past purchases with amounts and dates. The statement also defends my claim that the amount is not mine and couldnt possibly be mine. All transactions leading up to the final amount which is disputed took place on a Tuesday. The day he came to our shop on his designated route. Was a Tuesday. All transactions that took place were paid in full the day of the transaction. The disputed transaction which occurred on a random Friday was also not paid for. My payment history and the transaction day of week history is more then enough to prove this debt was and is not mine. We would have never done business on a Friday. And since I had a COD account I would have never been able to charge an amount. Ive explained this to the collection service and asked them to stop harassing me and they still continue to call and send me letters threatening to damage my credit if I do not pay.
11/09/2020	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	IL 60438	Web
Dear XXXX, In the results of your Third investigation, you stated in writing that you verified that this item ( XXXX XXXX ) ( XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX ) is being reported correctly? with SEVERAL INCONSISTENCIES reported on this account how could you verify it? Who verified this account? This is not a request for VERIFICATION or proof of mailing address but a request for VALIDATION made pursuant to the above-named Title and Section. Now, I respectfully request that XXXX provide me with competent evidence that I have any legal obligation to pay this debt OR DELETE THIS FRIVOLOUS ACCOUNT IMMEDIATELY 1. ) Please provide a valid basis for the debt, such as the original contract/agreement, the promissory note between Consumer and original creditor, bearing Consumer wet-ink signature ; 2. ) Please provide the account and general ledger statement showing the full accounting of the alleged obligation that you are now attempting to collect. Such as XXXX XXXX balance sheet ( XXXX # 's XXXX, XXXX, XXXX XXXX, XXXX XXXX report, XXXX registration statement, XXXX prospectus, RC-S, and RC-B call schedules ;
10/12/2022	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	IA 507XX	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. NOLL COLLECTION SERVICE AMOUNT : {$89.00} This is what I'm requesting for debt validation : I'm requesting the chain of custody for this account and pursuant to the Freedom of Information Act, I'm requesting all of the accounting for this account, public and private in accordance to XXXX. You have 14 days to supply this information or delete this trade line from my consumer report before and pursue litigation against you for violations of the FDCPA.
04/30/2018	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	IA 51106	Web
I would like to add new documentation to my complaint against XXXX XXXX. The reason why i filed the complaint is the tactics they used to get more time to serve me. They knew i was out of town and have known it for awhile. I had a a case i lost which was the first part of all this. I couldn't make it back cause i was out of town working so i filed for a continuance. It was granted but when the time came i was still out of town and the my motion was denied. I called XXXX XXXX and XXXX to ask for more time and they wouldn't. I have called there repeatedly about this new one. I have told them several times i was out of town. I had even scheduled a time to pick the notice up there at there office. In the first case it was an over payment and they held a check for me until i came in town to pick it up. So when they filed the notice to serve by pulication stating i was hiding is a lie. Its what they had to say to get the court to give them time.
01/18/2019	Yes	Debt collection Payday loan debt	Written notification about debt Didn't receive notice of right to dispute	IA 503XX	Web
In XX/XX/2018, I had sent the collection company a letter to Validate an account that was appearing on both XXXX & XXXX credit reports. I had disputed this account with the credit bureaus on numerous of occasions only to get back responses that the account has been VERIFIED but like I mentioned they never VALIDATED the account. The collection agency sent me a copy of a judgment which I wasnt aware of, they never sent me nothing via usps mail stating that they were attempting to collect this debt & lastly I DIDNT receive anything from them stating that they were suing me. After they sent me the copy of judgment is when I searched court records to verify that in fact they not only got a JUDGMENT on this account but that they are also enlisted this very same account as a COLLECTIONS DEBT with the 2 Credit Bureaus listed earlier in my statement
10/04/2016	Yes	Debt collection Medical	False statements or representation Attempted to collect wrong amount	OR 97203	Web
Debt collector " NCS , Inc., dba Noll Collection Service '' made misleading statements to me. First, they stated that medical debt is not discharged in a Chapter XXXX. This statement is false, and can be verified through legal research on your behalf. Second, I asked debt collector for a letter of the terms we discussed before payment. Debt collector tried to solicit, via email, a confession of judgment form. Debt collector tried to pass off a legal document as not legal process, which violates the FCDPA. Third, debt collector tried to increase the cost of the debt by collection on a fee for processing payments online. This attempt to collect debt beyond what was originally stated in the agreement creating the debt, and also violates the FCDPA.
02/07/2023	No	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	IL 60431	Web
This complaint is about a debt collection agency noll collection in XXXX XXXX iowa, XXXX noll an attorney is reporting a false amount of debt on my credit report even though XXXX XXXX XXXX of south dakota judge discharged the their claim of amount we owed to a rental apartment XXXX at XXXX XXXXXXXX XXXX where i lived for 4 years .noll collection is still reporting imaginary amount of XXXX dollars on my and my husband s credit report even though ordered by court that we dont owe them this amount. I paid her court fees and what ever was ordered by judge. Now this is unfair that noll collections lawyer XXXX noll is still reported a closed account new just to hurt my credit exactly at time when i applied fir home loan.
08/24/2016	Yes	Debt collection Non-federal student loan	Taking/threatening an illegal action Sued w/o proper notification of suit	MN 551XX	Web
In 2013 I had talked with Noll Collection they asked me questions about the debt asked if I had attended the school advised yes then that was it later few months I found out they tricked me into a verbal judgement and they have refused to send me letters of the debt nor have they sent anything about being served for a judgement! They have failed to give mini miranda on multiple times they have threatened that if I do not provide my employer info that they will take any action that they can and hung up on me- They have been rude and unwilling to work with!
03/07/2016	Yes	Payday loan	Can't contact lender	MD 20737	Web
I keep receiving calls from NCS Collections for an alleged payday loan that I do not owe. When I asked for the original creditor and documentation the caller refused to provide me with the request. I was then threatened with arrest and was told that I would be receiving a summons to appear in court. After conducting my own research it appears that this company has threatened consumers all across the country with these fraudulent payday loans and have violated the Fair Debit Collection Act on a daily basis.
11/02/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	IA 510XX	Web
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 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 3 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.
03/12/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Attempted to collect wrong amount	TX 787XX	Web
I have attempted to contact National Credit Services , Inc. via email and phone in order to have an incorrect account on my credit removed. The account in question involves an eviction from XX/XX/XXXX which was paid off in XX/XX/XXXX directly to the property management company ( XXXX XXXX XXXX ). I have a Release of Judgement showing that the amount is paid in full but have not been able to reach anyone at National Credit Services , Inc .
03/16/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	IA 52245	Web
Noll Credit # XXXX is reporting a debt that is not mine. This is for a lease that I had that the sellers broke by deciding to sell the place. But now they are coming after me for the rest of the lease that THEY broke. This debt should not be mine and I should not owe this, nor should it be on my credit.
10/11/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	IA 51106	Web
Noll collections, and XXXX XXXX are violating my rights under the no surprise act of 2022. I have medical bills that out of network provider is attempting to charge me with out my authorization.
08/04/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit repair services	Excessive fees	TX 750XX	Web
I called and asked if there were ever a contract ever signed by me from them and i never recieved and letters informing me of any bills or any action being taking towards me
09/26/2023	Yes	Debt collection Medical debt	Threatened to contact someone or share information improperly Talked to a third-party about your debt	IA 50702	Web

01/23/2022	Yes	Debt collection Private student loan debt	Attempts to collect debt not owed Debt is not yours	IA 50501	Web

12/22/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	IA 50501	Web

05/01/2019	Yes	Debt collection I do not know	False statements or representation Told you not to respond to a lawsuit they filed against you	OR 97401	Web	Servicemember

12/30/2018	No	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	IA 50036	Web

07/04/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	IA 50501	Web

02/08/2018	Yes	Debt collection I do not know	False statements or representation Attempted to collect wrong amount	NE 68776	Web

10/11/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	IA 50501	Web

09/07/2017	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	IA 50035	Web

02/23/2017	Yes	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	IA 50036	Web

02/23/2017	Yes	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	IA 50036	Web

02/09/2017	Yes	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	IA 50036	Web

02/09/2017	Yes	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	IA 50036	Web

12/05/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	NY 11221	Web

08/31/2016	Yes	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	IA 50036	Web

08/31/2016	Yes	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	IA 50036	Web

06/23/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	AZ 85335	Web

06/02/2016	Yes	Debt collection Payday loan	Cont'd attempts collect debt not owed Debt is not mine	NE 68776	Phone

05/14/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Taking/threatening an illegal action Threatened arrest/jail if do not pay	NE 68776	Web

05/14/2016	Yes	Debt collection Payday loan	Cont'd attempts collect debt not owed Debt is not mine	NE 68776	Web

02/19/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	IA 52132	Web

01/31/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	SD 57103	Web

09/10/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	NE 68122	Web

04/29/2014	No	Debt collection I do not know	Disclosure verification of debt Not disclosed as an attempt to collect	IA 51106	Web

02/13/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Right to dispute notice not received	IA 51105	Web