Consumer complaint received 2017-07-31
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: NCB Management Services Inc. (CA)

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.