Consumer complaint received 2025-01-02 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: NCB Management Services Inc.
State: SC

Complaint narrative:
NCB Management Services XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX To Whom It May Concern : I am writing due to the negative marks youre made on my credit file. I would be willing to accept this debt if it were mines and upon Validation and Proof of Claim but its not mine. Im sure you are aware of the provision of the Fair Debt Collection Practices Act ( FDCPA ) so let it be known that I am requesting full validation of this debt, and that there is some contractual obligation which binding me to pay it. I request that you stop contracting me by telephone and restrict your contract with me to writing only, and only when you can provide adequate of this alleged debt. To refresh your memory on what constitutes legal validation, here is a list of REQUIRED documentation : Complete payment history, the requirement of which has been established by XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. Please provide verification by line item ( with an explanation of each item such as when the purchase took place, how much the item was, were the good received, when were the goods receive, etc. ) for the entire amount you say I owe obtained directly from the Original Creditor. 

Date of Last Activity My full, complete and correct social security number that may help to identify me as the correct person you are trying to collect from. 

Agreement that bears the signature of the alleged debtor wherein he agreed to pay the original creditor The obligation between you and I that allows you to collect on the alleged debt and any transaction between your company that binds me to an agreement to pay your company any money that you claim I owe, Proof of photo identification ( i.e. drivers license, state identification card, or other government issued identification card ) that was presented to you at the time of incurring this debt. 

Letter of Sale or Assignment Contract from the original creditor to your company. ( Agreement with your client that grants you the authority to collect on this alleged debt. ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ( XXXX XXXX, XXXX XXXX, XXXX ) information relating to the purchase of a bad debt is not proprietary or burdensome. Debtor must phrase their request clearly to obtain : The source of a debt and the amount a bad debt buyers paid for plaintiffs debt, how the amount sought was calculate, where at issues list of report Any other intimate knowledge of the creation of the debt by you, the collection agency. 

Im sure you know, under FDCPA Section 809 ( b ), you are not allowed to pursue collection activity unit this debt is validated. You should be made aware that in XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, the court ruled that reporting a collection account is, indeed, considered collection activity. You should also note that this is not a request for Partial Validation but rather, its a request for EVERYTHING listed here to constitute full and sufficient validation of this debt. 

Please provide this information in writing. Until I receive the requested validation, I requested that you crease all collection efforts, including reporting this debt to any credit bureaus, as required by the FDCPA. If you can not provide validation of this debt, I kindly ask that you remove any reference to it from my credit report and crease all further attempts to collect the debt. 

While I prefer not to litigate, I will use the courts as needed to enforce my rights under the FDCPA and other statues. I look forward to an uneventful resolution of this matter Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation