Debt collection -- Attempts to collect debt not owed -- Complaint #5068810
Complaint Overview
Complaint ID: 5068810
Company: Ncp Holdings, L.P.
Product: Debt collection
Sub-Product: I do not know
Issue: Attempts to collect debt not owed
Sub-Issue: Debt is not yours
State: Texas
ZIP Code: 75154
Date Received: 2022-01-04T12:00:00-05:00
Date Sent to Company: 2022-01-04T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Debt collection company XXXX XXXX XXXX is reporting on my credit a debt of {$850.00} for an original creditor listed as NCP Finance Limited Partnership. Upon review of my credit reports, I reached out to each credit bureau by mail on XX/XX/XXXX requesting validation of the debt. In response they stated that the debt was verified, however, did not supply any additional information to me proving such. I then reached out requesting the method of verification on XX/XX/XXXX to the credit bureaus and was told I could reach out to XXXX XXXX XXXX directly. I sent another letter directly to XXXX XXXX XXXX on XX/XX/XXXX requesting proper validation of debt. In response, I received a letter dated XX/XX/XXXX showing copies of a promissory note to which I believe to be fabricated, as it has my maiden name and dated XX/XX/XXXX, a time in which that was no longer my legal name, no signature, and no proof of debt or validation was provided. They then proceeded in request for me to call them directly by phone, when I have established communication in writing by mail. I have provided ample time and numerous opportunities for this company to provide proof that I am responsible for this debt, and after months of reaching out, I still have not received anything.
Frequently Asked Questions
What is Complaint #5068810 about?
Complaint #5068810 was filed against Ncp Holdings, L.P. regarding Debt collection specifically about Attempts to collect debt not owed. It was received by the CFPB on 2022-01-04T12:00:00-05:00.
How did Ncp Holdings, L.P. 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 Ncp Holdings, L.P.?
Yes, visit the Ncp Holdings, L.P. company profile at readthecomplaint.com/company/ncp-holdings-l-p 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.