Debt collection -- Took or threatened to take negative or legal action -- Complaint #4507126
Complaint Overview
Complaint ID: 4507126
Company: Ncb Management Services INC.
Product: Debt collection
Sub-Product: Mortgage debt
Issue: Took or threatened to take negative or legal action
Sub-Issue: Threatened or suggested your credit would be damaged
State: Virginia
ZIP Code: 230XX
Date Received: 2021-06-30T12:00:00-05:00
Date Sent to Company: 2021-06-30T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I had a vehicle that I purchased XXXX XXXX financed through XXXX XXXX. The vehicle was stolen in XXXX of 2016. I did file with my insurance company. Insurance paid some but left a balance. XXXX XXXX wanted insurance to pay an amount that was much higher on a XXXX XXXX XXXX vehicle as if it was brand new, insurance company refused.Insurance company sent them a check for what the vehicle was worth at the particular time. XXXX XXXX then sold the account to Ncb Management Services. After sometime I noticed Ncb Management Services had not only added this debt to my credit report but also listed HOME FORECLOSURE as well. I have not ever had a mortgage. I have contacted them about this and they will repeatedly avoid discussing the issue / or will advise me that it was not them that listed the foreclosure on my XXXX Credit Report. Listed on my credit report following the debt has Ncb Management Services as the furnisher of information regarding this FORECLOSURE. I have called to correct this several times and they will avoid me.
Frequently Asked Questions
What is Complaint #4507126 about?
Complaint #4507126 was filed against Ncb Management Services INC. regarding Debt collection specifically about Took or threatened to take negative or legal action. It was received by the CFPB on 2021-06-30T12:00:00-05:00.
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.