Consumer complaint received 2025-10-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: NCB Management Services Inc.
State: WI

Complaint narrative:
Subject : FINAL NOTICE CEASE & DESIST / INTENT TO LITIGATE To : NCB Management Services , Inc. 
XXXX XXXX XXXX XXXX, PA XXXX RE : Alleged XXXX XXXX Account / XXXX XXXX XXXX Account # XXXX To Whom It May Concern, This serves as my Final Notice, a Cease and Desist Demand, and a Formal Intent to Pursue Legal Action regarding the alleged deficiency balance your company, NCB Management Services , Inc., claims to have acquired from XXXX XXXX XXXX concerning my XXXX XXXX XXXX ( XXXX XXXX ). 

I have performed a thorough review of every document tied to this accountincluding the Retail Installment Contract, the XXXX deficiency letter, the Bill of Sale dated XX/XX/XXXX, and the full XXXX  Transaction Historyand the evidence confirms multiple legal, procedural, and accounting violations. 
Until full lawful validation is provided, this debt is unverified, inaccurate, and legally unenforceable. 



1. False and Misleading Balance Reporting ( FDCPA 807 ( 2 ) ( A ) ; FCRA 623 ( a ) ( 1 ) ) XXXX  own deficiency letter dated XX/XX/XXXX lists a {$13000.00} balance, yet NCB is reporting {$11000.00} as of XX/XX/XXXX. 
No ledger or transaction record explains the {$1500.00} difference. 
Under 15 U.S.C. 1692e ( 2 ) ( A ), reporting or collecting on an amount without factual accounting support constitutes false representation of the character, amount, or legal status of a debt.

2. Missing Proof of Ownership ( FDCPA 809 ( b ) ) The Bill of Sale from XXXX XXXX to NCB contains only generic language referencing a spreadsheet ( CUTOFF.xlsx ) but no reference to my name, VIN, or account number.

Without a specific assignment identifying this debt, NCB can not demonstrate lawful ownership or standing to collect. 
Generic bulk transfers are not valid validation under 15 U.S.C. 1692g ( b ).

3. Repossession and Sale Violations ( UCC 9-614 / 9-625 ) The XXXX notice claims my vehicle sold on XX/XX/XXXX for {$4400.00} with {$180.00} in auction fees. 
However, the required Notice of Intent to Sell Collateral was never provided, and no documentation identifies where or to whom the vehicle was sold. 
Under UCC 9-625 ( b ), failure to provide proper notice forfeits the creditors right to any deficiency balance.

This deficiency is therefore void.

4. Missing 1099-C Filing ( IRS 6050P / FCRA 623 ( a ) ( 1 ) ) If XXXX XXXX charged off or sold the account for less than full value, a Form 1099-C ( Cancellation of Debt ) was legally required.

None was produced.

If the debt was charged off, it is legally treated as discharged income, not a collectible balance.

Attempting to collect or re-report such a balance violates federal tax reporting and credit-furnishing laws.

5. Unlawful Transfer Timeline ( FDCPA 807 / FCRA 623 ( a ) ( 2 ) ) XXXX declared the deficiency in XX/XX/XXXX but did not execute its Bill of Sale to NCB until XX/XX/XXXX XXXXtwo years later. 
This gap in chain of title means NCB can not prove continuous ownership or lawful assignment of the alleged account. 
Reporting or collecting without legal title is a clear violation of FDCPA 807 ( 2 ) ( A ) and FCRA 623 ( a ) ( 2 ).

6. Incomplete and Inaccurate Accounting ( FDCPA 807 / UCC 9-210 ) The Exeter Transaction History confirms : {$4400.00} marked as PROCEEDS from sale and {$180.00} in AUCTION FEE. Numerous $ 10- {$20.00} late-fee and NSF entries. No application of sale proceeds to the principal balance and no running
balance to substantiate the {$13000.00} deficiency claimed later. 
This proves XXXX records are mathematically inconsistent and can not support any lawful balance transfer to NCB.

Demand for Immediate Action Under FDCPA 809 ( b ) and FCRA 623 ( a ) ( 1 ) you are hereby ordered to : 1. Provide complete and lawful validation of this accountincluding contract, payment ledger, proof of sale, repossession notice, and specific Bill of Sale listing this account ; or 2. Cease all collection activity, remove any credit-reporting tradeline, and confirm deletion in writing within 15 days of receipt.

Failure to comply will result in formal complaints to the Consumer Financial Protection Bureau, Federal Trade Commission, and the State Attorney General, and immediate initiation of civil litigation for statutory damages and legal fees under the FDCPA, FCRA, and UCC.

Notice of Intent to Pursue Legal Action If NCB Management Services or its agents contact me again regarding this alleged debt without first producing full, lawful validation, such contact will constitute willful non-compliance and harassment. 
I have documented evidence of every discrepancy between XXXX internal accounting and NCBs current reporting.

Any continued communication or reporting will be met with a lawsuit for damages, attorney fees, and injunctive relief under federal law. 

You are now on official notice. Govern yourselves accordingly. 



Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation