Consumer complaint received 2025-04-29 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: NCB Management Services Inc.
State: TX

Complaint narrative:
XXXX XXXX Via Certified Mail Return Receipt Requested To : NCB Mangement Company Account # : XXXX To Whom It May Concern : This letter serves as a formal demand for validation, a cease and desist order, and a notice of pending legal action, pursuant to my rights under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692 et seq. ), Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), Uniform Commercial Code ( UCC Articles 3 and 9 ), FTC Identity Theft Guidelines, and applicable state and federal consumer protection laws. Also due to the My identity was breached as admitted by XXXX Can you please verify and validate any of this accounting is actually mine? how do you know who I am? what witnesses do you have? you are parking information on my consumer report without even validating the debt, or attempting you have the actual person or if this was a case of identity theft, but you purchased my personal information, so now i want to know the agents name, address, social security number, city and state they reside in. 

1. Was This Debt Securitized?

You are hereby demanded to produce : Proof whether the alleged debt associated with my name and your referenced account number has been securitized, sold, or transferred into any trust, security pool, XXXX, or third-party ownership structure ; Full chain of title showing all ownership transfers, assignments, and any legal sale of the alleged receivable ; Disclosure of any and all beneficial interest holders.

Failure to produce a complete, unbroken chain of title shall be considered evidence that you have no standing to collect this alleged debt.

2. Has This Debt Been Charged Off? 
You must confirm in writing : Whether the alleged account has been charged off ; The date of charge-off ; The original creditors name and original account number ; Documentation proving that any right to collect survived the charge-off event. 

If the alleged debt was charged off, and you can not produce lawful post-charge-off assignment proof, you have no lawful standing to collect or report it. 

3. Proof of Authorization to Access My Private Information Under FCRA 604 ( a ), you are required to prove : Who authorized you to pull, purchase, view, or utilize my private consumer credit file ; The legal basis for your acquisition of my personal identifying information. 

Absent proof of explicit permission or permissible purpose, your actions constitute identity theft under federal law. 

4. Cease and Desist Communication Order and Abuse Allegations Under FDCPA 805 ( c ) and 15 U.S.C. 1692c ( c ) : You are hereby directed to immediately CEASE all direct and indirect communication with me.

Communication includes but is not limited to : Phone calls, Voicemails, Text messages, Emails, Reporting to any consumer reporting agencies ( which constitutes indirect communication ). 

Furthermore, I hereby formally allege that your company has engaged in abusive and obscene communication prohibited by FDCPA 806. 
Your assertion that I " owe '' an alleged debt especially in light of ongoing disputes and lack of validation is offensive, obscene, abusive, and has caused emotional distress. 

I find your continued assertion that I owe a debt to be profane, offensive, harassing, and a willful violation of federal law. 

Any further attempts to collect or communicate without complete validation and settlement acceptance will constitute further abusive conduct under the FDCPA. 

5. Violations of FDCPA, FCRA, and UCC Your collection attempts and access to my personal information constitute serious violations of : FDCPA 806 ( abusive, obscene, harassing communications ), FDCPA 807 ( false representations ), FDCPA 809 ( failure to validate debts ), FCRA 623 ( furnishing inaccurate information ), UCC 3-501 & 3-603 ( failure to accept lawful tender ), Identity Theft Enforcement and Restitution Act ( 18 U.S.C. 1030 ). 

Each uncorrected violation is subject to statutory damages, actual damages, punitive damages, and legal fees.

6. Demand for Full Accounting and Wet-Ink Original Contract You must provide : A full transactional history of the alleged account, including payments, interest accrual, fees, charges, and penalties ; A certified copy of the original contract bearing my wet-ink signature, proving any legal obligation ; Proof that any alleged debt was properly assigned to you with full disclosure.

7. Legal Consequences and Settlement Demand You are hereby offered a final settlement opportunity : Permanent deletion of the alleged account from all consumer reporting agencies ; Written confirmation that the account will not be sold, reassigned, or re-reported ever again ; Payment of {$1000.00} to me for settlement of damages to my credit and reputation.

Failure to comply fully within fifteen ( 15 ) calendar days from receipt of this notice shall constitute : Final notice before I initiate binding private arbitration or civil litigation against you, Seeking damages for : Anxiety, Mental anguish, Defamation of character, Abusive and obscene debt collection tactics, FDCPA statutory and actual damages, FCRA violations, Spoliation of evidence ( if you fail to preserve documents ), Plus full attorney 's fees and court/arbitration costs.

I will also file formal complaints with : Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), Texas Attorney Generals Office, State Bar Association ( for ethical misconduct by corporate counsel ).

Governing Law : All matters relating to this account shall be governed by : The Fair Debt Collection Practices Act ( FDCPA ), The Fair Credit Reporting Act ( FCRA ), The Identity Theft Enforcement and Restitution Act, The Uniform Commercial Code ( UCC Articles 3 and 9 ), And any applicable state law. 

Respectfully, XXXX XXXX Without Prejudice, All Rights Reserved

Company response to consumer: Closed with explanation