Consumer complaint received 2025-04-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NCB Management Services Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX : NCB Management Services , Inc. 
Account Reference # : XXXX To Whom It May Concern : Please take formal notice that I, XXXX XXXX, a natural person and consumer, hereby dispute, challenge, and demand full validation of the alleged obligation referenced above, in strict accordance with my rights codified under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692 et seq. ), the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), and all applicable statutes governing commercial transactions, including but not limited to the Uniform Commercial Code ( UCC Articles 3 and 9 ).

This dispute is further necessitated by your material failure to comply with 15 U.S.C. 1692g ( a ), which mandates that a written notice of the alleged debt be transmitted to the consumer within five ( 5 ) days of initial communication. I have received no such notice. 
Your omission constitutes a direct violation of federal law and undermines any presumption of the validity of the alleged debt. 

I. Demand for Validation and Strict Proof of Claim You are hereby ordered to produce, within fifteen ( 15 ) calendar days, strict proof of the validity, enforceability, and ownership of the alleged account, to include : Evidence of Securitization : Complete, unbroken chain of title from the original creditor to your entity, Full disclosure of all assignments, sales, or securitization events affecting this account, Production of the Pooling and Servicing Agreement ( if applicable ) or any trust agreement evidencing securitization. 

Charge-Off Status and Accounting : Certified accounting records demonstrating the exact date of charge-off, Proof of lawful assignment or sale post-charge-off compliant with Generally Accepted Accounting Principles ( GAAP ), Full disclosure of the original creditor 's name, account number, and final balance at charge-off. 

Proof of Authority to Access Private Information : Specific identification of the permissible purpose under FCRA 604 ( a ) for your procurement of my consumer report, Copies of any contracts, agreements, or written authorizations permitting you access to my non-public personal information.

Production of the Original Instrument : A certified true copy of the original signed contract or agreement evidencing my personal liability, Said document must bear my wet-ink signature electronic or facsimile signatures shall not be accepted. 

Assignments and Purchase Agreements : Complete, executed copies of all Assignment Agreements, Complete copies of all Purchase and Sale Agreements, Full disclosure of any Forward Flow Agreements governing the alleged receivable. 

Licensing Authority : Evidence of your current, valid debt collection license in the State of Texas, Proof of bonding as required by the Texas Finance Code and state regulatory bodies.

II. Identity Theft Notification and Heightened Burden of Proof Please be advised that I am a documented victim of identity theft as confirmed by XXXX  
Under FCRA 605B, any entity attempting to collect an alleged debt must meet heightened verification requirements upon notification of such identity theft. 

You are hereby ordered to : Cease any and all collection efforts until full compliance with identity theft investigation requirements has been completed ; Produce documentary evidence negating any causal link between the breach and the alleged account. 

III. Demand to Cease and Desist All Communications Pursuant to 15 U.S.C. 1692c ( c ) : You are ordered to immediately cease all direct and indirect communications with me regarding the above-referenced matter, Including but not limited to : telephone calls, text messages, emails, postal mailings, and/or reporting to consumer reporting agencies.

Be advised : Any violation of this directive will be deemed willful, malicious, and calculated to harass, subjecting your entity to enhanced damages.

IV. Allegation of Abusive, Obscene, and Deceptive Collection Practices I hereby formally allege that your entity has engaged in conduct violating FDCPA 806 ( abusive and obscene communications ) and FDCPA 807 ( false, deceptive, or misleading representations ). 

Specifically : The baseless assertion that I " owe '' a debt, particularly after confirmed identity theft and lack of proper notice and validation, Constitutes profane, abusive, obscene, and harassing conduct under federal law, And has caused me anxiety, mental anguish, reputational harm, and emotional distress. 

V. Legal Consequences and Opportunity to Cure You are hereby offered a final opportunity to cure : Immediate permanent deletion of the alleged account from all consumer reporting agencies ( XXXX XXXX XXXX  ) ; Written confirmation that the account shall never be sold, reassigned, or reported again ; Payment of {$1000.00} as liquidated settlement damages for statutory violations and reputational harm. 

Failure to Comply : Arbitration and Litigation Absent full compliance within fifteen ( 15 ) calendar days from your receipt of this notice : I shall initiate binding private arbitration and/or civil litigation against your entity without further notice, Seeking : Statutory damages under 15 U.S.C. 1692k and 15 U.S.C. 1681n, Actual damages including mental anguish and defamation of character, Punitive damages for malicious disregard of federal law, Full reimbursement of arbitration costs, legal fees, and consequential damages.

Formal complaints will also be filed with : Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), Texas Attorney Generals Office, State Bar Association for any implicated legal counsel misconduct. 

VI. Governing Law All matters related to this dispute shall be governed by : The Fair Debt Collection Practices Act ( FDCPA ), The Fair Credit Reporting Act ( FCRA ), The Identity Theft Enforcement and Restitution Act ( 18 U.S.C. 1030 ), The Uniform Commercial Code ( UCC Articles 3 and 9 ), The laws of the State of Texas. 

Respectfully, XXXX XXXX Without Prejudice, All Rights Reserved

Company response to consumer: Closed with explanation