Debt collection -- Attempts to collect debt not owed -- Complaint #5661014
Complaint Overview
Complaint ID: 5661014
Company: Ncb Management Services INC.
Product: Debt collection
Sub-Product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-Issue: Debt was result of identity theft
State: Michigan
ZIP Code: 48180
Date Received: 2022-06-12T12:00:00-05:00
Date Sent to Company: 2022-06-12T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
XXXX XXXX, and ( XXXX XXXX Management Services Incorporated. Congress has limited the use of consumer reports to protect consumers ' privacy. all users must have permissible purpose under the Fair Credit Reporting Act to obtain a consumer report. Section 604 contains a list of permissible purposes under the law. ( FCRA sections in the U.S. Code, 15 U.S.C. 1681 et seq. ) These are : As ordered by a court or a federal grand jury subpoena. Section 604 ( a ) ( 1 ). As instructed by the consumer in writing. Section 604 ( a ) ( 2 ). For the extension of credit as a result of an application from a consumer, or the review or collection of a consumer 's, account. Section 604 ( a ) ( 3 ) ( A ). For employment purposes, including hiring and promotion decisions, where the consumer has given written permission. Sections 604 ( a ) ( 3 ) ( B ) and 604 ( b ) for the underwriting of insurance as a result of an application from a consumer. Section 604 ( a ) ( 3 ) ( C ). When there is a legitimate business need, in connection with a business transaction that is initiated by the consumer. Section 604 ( a ) ( 3 ) ( F ) ( ii ). To determine a consumer 's eligibility for a license or other benefit granted by a governmental instrumentality required by law to consider an applicant 's financial responsibility or status. Section 604 ( a ) ( 3 ) ( D ). For use by a potential investor or servicer, or current insurer, in a valuation or assessment of the credit or repayment risks associated with an existing credit obligation. Section 604 ( a ) ( 3 ) ( E ). For use by state and local officials in connection with determination of child support payments, or modifications and enforcement thereof. Sections 604 ( a ) ( 4 ) and 604 ( a ) ( 5 )
Frequently Asked Questions
What is Complaint #5661014 about?
Complaint #5661014 was filed against Ncb Management Services INC. regarding Debt collection specifically about Attempts to collect debt not owed. It was received by the CFPB on 2022-06-12T12:00:00-05:00.
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.