Consumer complaint received 2025-06-12 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: FL

Complaint narrative:
This is my second formal complaint against NCB XXXX XXXX for reporting, validating, and handling a debt that they claim is mine a deficiency balance from an auto loan originally opened with XXXX XXXX. I was listed as a co-buyer, not the primary borrower, and nearly every step NCB took has been misleading, incomplete, and in violation of the FDCPA and FCRA. 

XXXX & Violations : XX/XX/XXXX : Auto loan with XXXX XXXX originated. I was listed as a co-buyer, not the primary borrower ( XXXX XXXX ). Vehicle : XXXX XXXX XXXX. 
XX/XX/XXXX : Vehicle repossessed and sold. I was not notified of any sale or repossession nor sent a notice of deficiency. 
XX/XX/XXXX : NCB purchased the debt from XXXX but the bill of sale was dated after the vehicle was already repossessed and sold. This raises serious concerns about chain of title and timing. 
XX/XX/XXXX : NCB claims they sent a debt validation letter. I never received any letter at my correct address. They sent mail to outdated or incorrect addresses, including XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX neither of which were my active residence. 
XX/XX/XXXX : NCB began reporting the debt to the credit bureaus, despite never properly notifying me or giving me an opportunity to dispute within the XXXX window a violation of FDCPA 809 ( a ) and 809 ( b ). 
XX/XX/XXXX : I filed my first CFPB complaint. NCB responded by mailing me a validation packet months after the account had already been reported, and only because I escalated to the CFPB. This is NOT proper or timely validation. 
XX/XX/XXXX : My TransUnion credit report still reflects : Incorrect open date ( XX/XX/XXXX ) DOFD listed as XX/XX/XXXX ( from XXXX, not NCB ) My name reported alone no co-borrower distinction Account showing reinserted or re-aged, violating FCRA 623 Key Issues & Evidence : Mailing Violations : I was never directly mailed anything until XXXX. NCB mailed documents to addresses associated with XXXX XXXX or to a shared old address with my name listed under hers not as the direct recipient. I never received anything at my current legal residence in time to dispute. 
Validation Violations : The packet NCB provided only included : A blurry contract showing me as co-buyer A bill of sale between XXXX and NCB ( dated XX/XX/XXXX ) A generic transaction history No clear breakdown of what I supposedly owe vs. what was owed by the primary borrower No itemized deficiency notice or proof I was ever contacted pre-sale No proof of fair sale or market value of the vehicle Repossession Sale Issues : The car was sold for only {$1700.00}. There is no documentation proving it was sold in a commercially reasonable manner or even a copy of a legitimate auction listing. This suggests a violation of state XXXX laws regarding repossession sales. 
Misrepresentation & Reporting Violations : NCB claimed I had never contacted them before XXXX, yet I filed multiple disputes with credit bureaus before then. 
They continued to verify tradeline disputes with the bureaus while refusing to validate with me directly in violation of FCRA 623 ( b ). 
They reported the debt with misleading open dates and inaccurate addresses. 
Their own letter stated I was properly notified on XX/XX/XXXX yet they have no proof it was sent to my correct address or received. 

Applicable Violations : 15 U.S.C. 1692g ( b ) Failure to cease collection and validate within XXXX  days of dispute. 
15 U.S.C. 1692e ( 8 ) Reporting disputed debt without disclosure.

15 U.S.C. 1692f Unfair or unconscionable collection methods.

FCRA 623 ( a ) ( 1 ) ( A ) Furnishing data with known errors.

FCRA 623 ( a ) ( 3 ) Failure to update/correct tradeline after disputes.

FCRA 611 ( a ) Failure to reasonably reinvestigate.

FCRA 609 ( a ) Failure to provide proper documentation. 
XXXX v. XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) Validation must include full chain of title and itemization NCB failed to meet this standard.

Company response to consumer: Closed with explanation