Consumer complaint received 2024-11-19 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: NCB Management Services Inc.
State: MO

Complaint narrative:
XXXX XXXX NCB Management Services reports to the 3 credit Bureaus debt from XXXX XXXX XXXX which was my original debtor they picked the car up some years ago and closed the account. But somehow it's shut but in collection/closed status. NCB is sending me settlement documents which are not my original creditor. My original creditor was XXXX as they are imposing as if they are managing the account for XXXX and attempting to collect a debt. I have never financed anything from them, but they are continuously sending Settlement invoices stating they are attempting to collect a debt. It is the account amount I had with XXXX I have documents that they have sent supporting this uploaded, as I understand that under certain statutes of limitation by replying they are a debt collector attempting to collect a debt that can be some sort of statute of limitation and it clearly states on the invoice that the original creditor and current creditor. I believe they are violating my Consumer rights or have violated the Consumer law code 407.020 which permits wrongful selling of accounts without verification and notification. I'm asking that they prove that I have debt with them specifically and official and original documentation supporting these facts with the documentation that they can collect on this debt, and with my knowledge and consent and of acceptance I am asking that this debt be consolidated and validated as I am trying to keep my credit in good standing to purchase a home for housing stability for my family and myself I also would like them not to sell my information that the debt as it has been sold to them, I'm asking that the account be closed, if in fact that there are significant findings that they have violated any consumer law coding or that there are finding of a statute of limitations that I am paid {$1000.00} per every violation they are made and put the account in a closed and be reported as in good standing to help my credit accounts not be of derogatory status. This has made me struggle through the years with my credit and has caused me plenty of stress. The creditor ( XXXX XXXX ) reported a Late Payment and put my credit account in Derogatory status. I called them and requested a payment plan due to having hardship of my brother passing away and having to assist with funeral costs. I had to assist other family members with funeral expenses as no one suspects death or an emergency of some sort, so in this case, I called to arrange my auto loan payment they recorded all the calls. So I did follow through with my set arrangements and the amounts I was told to pay made them aware of what I could pay and called when I needed to make further arrangements, they got the payment late due to my bank issuing time which I'm not accountable for it in some cases take the bank up to XXXX days to release funds, but the Posted date is unchangeable and I have no control over this. I sent payment on the day asked and was told XXXX days reporting I wouldn't be affected because the amount would help my interest as well as payment, a few days later, I got a notification a derogatory statement was reported on my credit report and unfortunately, it was XXXX again they record their calls and they claimed that this matter happened because of timing then another time they stated because the car note was not paid in full which was lacking XXXX dollars off they stated. They made arrangements with me to ensure my complete coverage of the full car note and no reporting to the credit bureaus, I feel that they violated my consumer rights under coding as the late payment coding as well and I feel that wasn't a reason to report me and I was assured this per recorded calls I wouldn't be affected and I asked them to review the calls and this would assure confirmation. They are ( the customer service team ) and the department that handles supervision complaints stated they would review but it was internal that it would be handled inside the company. I hope that you find my complaint worthy of investigation. Also please assist with removing that derogatory late payment as that has depleted my score tremendously, I feel they treated me unfairly as I am a loyal consistent paying customer. I have all documents supporting these facts along with copies of all the documents sent to all three bureaus and Creditors which have been uploaded. Respectfully yours

Company response to consumer: Closed with explanation