Consumer complaint received 2022-07-08 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: NCB Management Services Inc.
State: FL

Complaint narrative:
I have previously complained about NCB including complaint # XXXX XXXX XXXX NCB has negatively reported a collection of an alleged debt that has not been validated. They have sent me a credit application for XXXXXXXX XXXX, a transaction History from XXXX XXXXXXXX, and a Assignment and Bill of Sale between XXXXXXXX XXXX and NCB ( which does not represent the entire contract between them ) ; however, I never entered into a contract with NCB nor are the documents sent in a proper validation of this alleged debt. However, after reading the FTC report from XX/XX/XXXX " The Structure and Practices of the Debt Buying Industry '' I am requesting the forward-flow agreement between XXXX XXXX  and NCB, I also request the full portfolio they bought which says the total amount paid for said alleged debt, I would like to point out that as per said report the FTC alleged that companies fail to adequately verify disputed debts and quoted : " United States v. Asset Acceptance , LLC, No : 8:12-cv-00182 ( M.D. Fla. XXXX XXXX XXXX  ), available at http : //www.ftc.gov/ opa/XXXX/asset.shtm ( debt collector settled allegations that it violated the FTC Act by lacking a reasonable basis for representing to borrowers that they owed a debt ( 1 ) when the debt collector had reason to believe certain portfolios contained unreliable data and ( 2 ) after the borrowers disputed the debt ) ; see also United States v. Allied Interstate, Inc., No.

0:10-cv-04295 ( D. Minn. XXXX XXXX XXXX ), available at http : //www.ftc.gov/opa/XXXX/alliedinterstate.shtm ( debt collector settled allegations that it violated Section 5 of the FTC Act by lacking a reasonable basis for representing to borrowers that they owed a debt after the borrowers disputed the debt ) ; United States v. Credit Bureau Collection Servs. , No . 2:10-cv-169 ( S.D. Ohio XXXX XXXX XXXX  ), available at http : //www.ftc.gov/opa/2010/03/creditcollect.shtm ( debt collector settled allegations that it violated Section 5 of the FTC Act by lacking a reasonable basis for representing to borrowers that they owed a debt ) ; FTC v. EMC Mortg. Corp., No. 4:08-cv-338 ( E.D. Tex. XXXX XXXX XXXX  ), available at http : //www.ftc.gov/opa/XXXX emc.shtm ( mortgage servicer settled allegations that it violated Section 5 of the FTC Act by lacking a reasonable basis for representations that it made to borrowers, including claims about the unpaid principal amount, the due date, the interest rate, the delinquency status, and fees and corporate advances that prior mortgage loan servicers had assessed ). '' Additionally, the FTC has come to the conclusion that original creditors give incomplete file information to debt buyers, with this how can NCB claim to have verified this alleged debt belongs to me or its accuracy? Additionally, I never received a first communication from NCB regarding this alleged debt as required by law ; which is a violation!

Company response to consumer: Closed with explanation