Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #13454910
Complaint Overview
Complaint ID: 13454910
Company: Ncb Management Services INC.
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Incorrect information on your report
Sub-Issue: Account information incorrect
State: North Carolina
ZIP Code: 285XX
Date Received: 2025-05-11T12:00:00-05:00
Date Sent to Company: 2025-05-11T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I am disputing a collection account related to a vehicle repossession. I do not believe the amount being collected is accurate, and I request a full accounting of the debt. This includes a detailed explanation of how the deficiency balance was calculated after the repossession and sale of the vehicle. Additionally, the vehicle was covered by a Guaranteed Asset Protection ( GAP ) insurance policy. I request confirmation of whether a GAP claim was filed, the result of that claim, and whether any credit was applied to the remaining balance. If no GAP claim was filed, I request a full explanation and supporting documentation. Under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting full validation of this debt. Please provide all supporting documentation, including : The original loan agreement An itemized breakdown of the deficiency balance Records of repossession notice and sale Sale date and amount received GAP claim documentation ( or explanation of why no claim was filed ) Until this information is provided, I request that all collection efforts cease and that the account be reported as " disputed '' to all credit reporting agencies in accordance with the Fair Credit Reporting Act ( FCRA ). If the debt can not be validated or if it is determined that GAP insurance should have covered the balance, I am requesting that this account be removed entirely from my credit reports with all credit bureaus.
Frequently Asked Questions
What is Complaint #13454910 about?
Complaint #13454910 was filed against Ncb Management Services INC. regarding Credit reporting or other personal consumer reports specifically about Incorrect information on your report. It was received by the CFPB on 2025-05-11T12:00:00-05:00.
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 (Credit reporting or other personal consumer reports) 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.