Debt or credit management -- Confusing or missing disclosures -- Complaint #13052575
Complaint Overview
Complaint ID: 13052575
Company: Ncb Management Services INC.
Product: Debt or credit management
Sub-Product: Debt settlement
Issue: Confusing or missing disclosures
State: Texas
ZIP Code: 75181
Date Received: 2025-04-17T12:00:00-05:00
Date Sent to Company: 2025-04-17T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Violation by XXXX XXXX : False Reporting : XXXX XXXX reported an account that was not mine, and I disputed it with all relevant credit bureaus multiple times, only to have it verified and reposted without sufficient proof. Unlawful Disclosure of Personal Information : XXXX XXXX shared my personal information with a third-party debt collector in violation of the Fair Credit Reporting Act ( FCRA ) 1681b, which limits the sharing of credit information without proper consent. Violation by NCB Management Services : Unlawful Debt Collection : NCB Management Services is not licensed to collect debts in Texas, which violates the Texas Debt Collection Act. Their actions, including demanding payment for a debt that was not mine, constitute unlawful and fraudulent behavior. This violation has caused me undue stress, financial harm, and significant delay in purchasing my home.
Frequently Asked Questions
What is Complaint #13052575 about?
Complaint #13052575 was filed against Ncb Management Services INC. regarding Debt or credit management specifically about Confusing or missing disclosures. It was received by the CFPB on 2025-04-17T12:00:00-05:00.
How did Ncb Management Services INC. respond to this complaint?
The company responded with: "Closed with explanation". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Debt or credit management) and describe your issue in detail.
Can I see other complaints against Ncb Management Services INC.?
Yes, visit the Ncb Management Services INC. company profile at readthecomplaint.com/company/ncb-management-services-inc to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.