Consumer complaint received 2017-11-08
Company: NCB Management Services Inc.
State: NY
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
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.

Company response to consumer: Closed with explanation