Consumer complaint received 2025-06-19 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NCB Management Services Inc.
State: TX

Complaint narrative:
I submitted a formal written request to XXXX XXXX XXXX for full debt validation and documentation related to a vehicle repossession. Specifically, I requested all documents pertaining to the repossession process, including the outstanding balance at the time of repossession, the pre-sale and post-sale notices, sale details ( date, method, and amount received ), and a complete accounting of any alleged deficiency balance. Instead of providing any of the legally required documentation, XXXX XXXX XXXX responded only with a letter stating that the debt had been sold to a third-party collection agency, NCB Management Services , located at XXXX XXXXXXXX XXXX XXXX  PA XXXX XXXX No repossession documents, sale records, or deficiency breakdown were included. This failure to provide proper debt validation and mandatory post-repossession disclosures under the Fair Debt Collection Practices Act ( FDCPA ) and Uniform Commercial Code ( UCC ) 9-611 and 9-614 has prevented me from verifying the accuracy and legality of the alleged debt. I am requesting that appropriate regulatory action be taken to ensure compliance with consumer protection laws and to prevent continued collection or credit reporting based on an unvalidated and potentially unlawful deficiency claim. 
this is a follow up case # XXXX since CFPB close the case and no resolution was provided, also no documentation to support the claim the company responded to the case # XXXX Thank you for submitting your concerns and providing NCB Management Services, Inc. ( NCB ) an opportunity to respond. The referenced account was an auto loan originating with XXXX XXXX XXXX ( XXXX ) on XX/XX/XXXX, for the purchase of a XXXX XXXX XXXX. This loan agreement has you listed as co-buyer and another individual listed as buyer. NCB purchased the account from XXXX on XX/XX/XXXX. This transfer included all pertinent information needed to confirm the debt is valid and owed, as well as XXXX assigning to NCB all of its rights related to the debt, including the right to collect and credit report the debt as permitted by law. The transfer of these contractual rights from XXXX to NCB does not require your permission or signature. You are still bound by your original agreement to pay this debt. The difference is that NCB now owns the right to collect it from you. NCB notified you of this transfer through our initial letter dated XX/XX/XXXX, outlining NCB as the current creditor to whom the debt is owed and advising of your right to dispute the debt and request validation. During this validation period, we waited over 30 days for you to respond before credit reporting the account on XX/XX/XXXX. NCB received your first dispute and request for debt validation on XX/XX/XXXX. Prior to your current complaint, on XX/XX/XXXX, NCB provided debt validation documents sufficient to verify the debt is valid and owed, which included a copy of the signed contract, the deficiency notice, a financial transaction history of the account, and a copy of the bill of sale agreement between NCB and XXXX. We will also attach a copy of these documents along with our response to the CFPB. NCB investigated your dispute by reviewing the information you provided, the information and documents provided to us by the original creditor, and data from our own system regarding the status of your account. The documents and data we have do not substantiate the allegations in your dispute concerning this account. Our investigation confirmed the debt is valid and the information we reported to the credit reporting agencies ( CRAs ) was accurate, complete, and reported in compliance with the FCRA and XXXX XXXX credit reporting standards. Based on information provided by the original creditor, we reported XX/XX/XXXX, as the date of first delinquency. This is the date that controls how long the account remains on your credit report. We have never changed the date of first delinquency. We reported XX/XX/XXXX, as the date we purchased the account and opened it in our office. The CRAs and XXXX XXXX require us to report this date opened information. In sum, NCB did not violate the FDCPA. We have a permissible purpose to credit report your debt, the information we reported was accurate, and we met our obligation to investigate and respond to your disputes as required by law. NCB updated our reporting to the credit reporting agencies to reflect the status of your dispute. At NCB, I am writing in response to NCBs recent submission regarding my dispute. I strongly disagree with their claim that they provided validation of the alleged debt. I sent my debt validation request via certified mail on XX/XX/XXXX, and it was received by NCB on XX/XX/XXXX, per USPS tracking and signed receipt. 

Despite their claim that they sent debt validation on or around XX/XX/XXXX, I have not received any documentsnot by certified mail, regular mail, or any electronic method. There is no proof of delivery provided by NCB to support their claim that the documents were sent or received. This undermines their response and violates my rights under the Fair Debt Collection Practices Act ( FDCPA ). 

According to 15 U.S.C. 1692g ( b ), a debt collector must cease all collection activity, including credit reporting, until they have provided the requested validation. NCB appears to have continued reporting the debt to credit bureaus without properly validating it with me. If they reported or re-reported this account after receiving my May 14 request and without providing documentation to me, they may also be in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( a ) ( 3 ).

It is also questionable how they were able to locate, review, and send such detailed documentsincluding a signed loan agreement, transaction history, deficiency documentation and bill of sale from another creditorin such a short time frame, and yet provide no evidence that I received any of it. but NCB does validate it with credit bureaus I am formally requesting that NCB : Provide proof of delivery for the documents they claim to have sent Cease collection and credit reporting until I receive proper validation Ensure the account is marked as disputed with all credit bureaus Unless NCB provides clear proof that they have complied with the FDCPA and FCRA, I consider their response insufficient and misleading.

I am requesting continued CFPB review and assistance, as I have not been provided what I am legally entitled to.

Company response to consumer: Closed with explanation