Debt collection -- Written notification about debt -- Complaint #17999073
Complaint Overview
Complaint ID: 17999073
Company: Ncb Management Services INC.
Product: Debt collection
Sub-Product: I do not know
Issue: Written notification about debt
Sub-Issue: Didn't receive enough information to verify debt
State: Texas
ZIP Code: 77072
Date Received: 2025-11-30T12:00:00-05:00
Date Sent to Company: 2025-11-30T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
NCB Management Services placed an account on my credit file even though I never created any agreement with them. I did not sign anything that gives this company permission to obtain or use my private information. I never communicated with NCB before they reported this account and they have not shown any proof that I chose them to handle anything involving me. I am not requesting a payment breakdown or a list of charges. I am requesting proof that NCB holds a direct contract with my signature. Under 15 U S C 1681e subsection b, any company furnishing information must follow verified procedures to ensure accuracy. Reporting from a company that I never signed with can not be accurate. Under 15 U S C 1681b, a company must have a lawful purpose and consumer authorization before accessing or using my personal information. NCB has not shown any permission from me. Under 15 U S C 1692g, a collector must demonstrate that it has a legitimate right to act in connection with a consumer. NCB has not provided anything that shows I granted them authority to manage or report anything linked to my identity. Under 15 U S C 1681i, once a consumer challenges an account, the company must provide documents that support the reporting. NCB has not presented anything with my signature. Whatever financial issues I faced do not equal an agreement with this collector. NCB keeps responding with general statements that avoid the real question. I am requesting evidence that I personally authorized NCB to take possession of my information. They have not shown any document that confirms my approval. I did not choose NCB Management Services. I did not sign anything with them. I did not authorize them to obtain, store, or report my personal information. They have not provided proof of permission, yet they placed this account on my credit file and it has caused real harm to my financial stability.
Frequently Asked Questions
What is Complaint #17999073 about?
Complaint #17999073 was filed against Ncb Management Services INC. regarding Debt collection specifically about Written notification about debt. It was received by the CFPB on 2025-11-30T12:00:00-05:00.
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 collection) 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.