Consumer complaint received 2023-06-07
Company: NCB Management Services Inc.
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
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

Company response to consumer: Closed with explanation