NCB Management Services Inc is a debt collection agency, which receives a lot of consumer complaints to our law firm for debt harassment. Find out who they are, why they might be calling, and how you can stop them.
What is NCB Management Services?
NCB Management Services , Inc. (NCB) is a business process outsourcing (BPO) company based in Pennsylvania that specializes in third-party debt collection. NCB has received consumer complaints alleging violations of the Fair Debt Collection Practices Act (FDCPA), such as sharing information about delinquent debts with unauthorized third parties and threatening to take actions that cannot legally be taken. If NCB has contacted you about delinquent collection items, make sure you understand your rights before you respond.
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Is NCB Management Services a scam?
They’re legit. According to the Better Business Bureau (BBB), NCB Management Services, Inc. was founded and incorporated in 1994. The BBB established a profile page for NCB in 1995, and NCB has been a BBB-accredited business since 2011. The BBB lists NCB Management Services as a collection agency. Buzzfile estimates NCB Management Services’ annual revenue at $52.4 million and the size of its headquarters staff at 64 employees, with an estimated 350 total employees across all locations.
According to its website, NCB is “an industry leader… in providing clients with a full-spectrum of Accounts Receivable Management (ARM) solutions.” NCB states that its goal is “to provide …clients with superior support while improving both the efficiency and effectiveness of their business functions. By blending many years of collection experience, with the latest in new information systems and communication technology, NCB has consistently achieved superior results in a wide variety of applications.”
Who does NCB Management Services collect for?
NCB Management Services collects delinquent debts for a wide variety of businesses and industries, including financial services companies; consumer retail lenders; education lenders; insurance providers; government agencies; and healthcare and medical service providers. In addition, NCB provides collection services of commercial “B2B” accounts, and BPO services that include customer acquisition; customer care and retention; product support; and back office outsourcing. NCB’s Portfolio Acquisitions division also acts as a debt purchaser.
NCB’s collections programs consist of pre-charge-off first-party collection services to supplement or replace the in-house collection efforts of many corporations; pre-charge-off third-party collections to lower the cost of delinquencies and mitigate credit losses; and pre-charge-off recovery collections to increase cash flow. In addition, NCB’s traditional recovery programs employ “collection specialists that are experienced in post-charge-off collections using a… time-proven collection methodology that consistently drives performance.” NCB uses a “concentrated customer- and brand-centric approach that strengthens customer loyalty.”
NCB Management Services cites affiliation with several professional organizations, including the International Association of Credit and Collection Professionals (ACA International); the International Association of Commercial Collectors (IACC); the Commercial Law League of America (CLLA); and the Receivable Management Association (RMA). Their Feedback page includes contact information for their Compliance Officer and a link entitled, “Consumer Education,” which leads to the Consumers page of the RMA website.
Who are we? We are Lemberg Law, a Consumer Law Firm
Lemberg Law is a consumer law firm helping victims of collection harassment and abuse. We are ranked A+ by the BBB. We’ve helped more than 15,000 consumers stop harassment and recover money from debt collectors. Harassed? Abused? Misled by a collector? Call our Helpline today! There is no charge unless we win.
How many complaints are there against NCB Management Services?
As of December 2019, the BBB has closed 143 complaints against NCB Management Services in the preceding 3 years, with 33 complaints closed in the previous 12 months. Most of those complaints cited problems with billing and collections, although several complaints also cited problems with customer service.As of March 2016, the Consumer Financial Protection Bureau (CFPB) has closed 593 complaints involving NCB. Justia lists at least 7 cases of civil litigation involving NCB.
NCB Management Services, Inc. One Allied Drive Trevose, PA 19053 Phone Number: 800-828-1110 Website: http://www.ncbi.com/
Can NCB Management Services Sue Me or Garnish My Wages?
It is illegal for a debt collector to make empty threats to sue you or garnish your wages. It is also unlikely NCB would sue you for a debt you may not owe or they cannot validate. However, debt collection agencies are known to have summoned debtors to court and garnish wages after a default judgement. Contacting an attorney BEFORE this could possibly happen would be a smart move. We’ve helped thousands of consumers fight back against unscrupulous debt collection harassers. Find out if we can help you too today!
In 2018, two consumers a proposed class action against NCB Management Services, Inc. alleging that the company mailed them collection notices that were out of step with the federal Fair Debt Collection Practices Act (FDCPA).
In June 2011, in the Supreme Court of Appeals in West Virginia, a judge issued a ruling in a case alleging NCB Management Services had violated provisions of the West Virginia Consumer Credit and Protection Act (WVCCPA). In the original case, the plaintiff had taken out a $9,000 loan to purchase a motorcycle for her son. The plaintiff’s son had agreed that he would make monthly loan payments directly to the plaintiff, who would in turn make payments to the credit card company who financed the loan. At some point, the plaintiff’s son failed to make payments on the loan, which went into default. The motorcycle was repossessed by the auto dealer, and after attempts to collect the debt, it was sent to NCB for collection. In her original complaint, the plaintiff alleged that NCB “began aggressively attempting to collect the deficiency balance she allegedly owed on the motorcycle loan in a manner that violated the WVCCPA. According to the plaintiff, NCB …misrepresented facts to her, made incorrect legal representations about her eligibility to file for bankruptcy protection, communicated directly with third-party family members who were not liable on the account against her express instructions to not contact said family members, improperly accessed and used information from the plaintiff’s and her husband’s credit report, and badgered the plaintiff to use her husband’s credit card to pay off the alleged deficiency balance.” The plaintiff filed a complaint in court, and NCB filed an Answer to the complaint and a Motion to Dismiss the complaint, “claiming that a consumer such as the plaintiff has no private cause of action against a professional debt collector under the WVCCPA.” The plaintiff opposed NCB’s motion. Ultimately, the court was unable to determine whether the plaintiff had the right to sue NCB under the WVCCPA, so the case was referred to the Supreme Court of Appeals.
At the June 2011 hearing, the Supreme Court of Appeals was required to determine whether “a consumer has a private cause of action against a non-creditor debt collector pursuant to the” WVCCPA. The plaintiff argued that the WVCCPA “regulates the conduct of, and provides a cause of action against, all debt collectors, regardless of whether they are collecting their own debts or debts initially originated by others…In addition, she argued that, if the WVCCPA is construed in a manner that would not allow consumers to sue debt collectors, consumers would be denied a means of enforcing the WVCCPA, …which is necessary to avoid an absurd result.” NCB Management Services argued that the WVCCPA “applies only to creditors, … is triggered only if a creditor has violated the WVCCPA, and that debt collectors… are not creditors.” The court determined that “the purpose of the WVCCPA is to protect consumers from unfair, illegal, and deceptive acts or practices by providing an avenue of relief for consumers who would otherwise have difficulty proving their case under a more traditional cause of action.” In addition, “the WVCCPA is a remedial statute intended to protect consumers from unfair, illegal, and deceptive business practices, and must be liberally construed to accomplish that purpose. . . . It is a comprehensive attempt on the part of the West Virginia Legislature to extend protection to consumers and persons who obtain credit in state.” As a result, the court found the plaintiff had the right to sue NCB under the WVCCPA, and NCB’s Motion to Dismiss her complaint was denied.
NCB Management Services Calling You?
Federal laws protect you. The Fair Debt Collections Practices Act (FDCPA) regulates the behavior of collection agencies by prohibiting actions such as the use of abusive or threatening language; harassment; or the use of false or misleading information to collect a debt. The FCRA regulates how collection agencies and creditors report delinquent debts to credit reporting agencies. Additional consumer protection laws include the Telephone Consumer Protection Act (TCPA) and the Consumer Financial Protection Act (CFPA).
Can I sue NCB for harassment?
Yes. If you want to enforce your rights, or recover money for violations — you need to sue. Federal laws provide individuals like you with a means to seek monetary damages in court. For example, the FDCPA allows consumers who have been violated to recover damages of up to $1,000, plus attorney fees and court costs.
Consumers have reported this agency harassing them from the following numbers:
“Know that you, Vlad, and your firm did a good thing. You took on a big company for little people and righted a wrong. For this we are grateful.”
“I’ve tried several times to handle debt collectors, but to no avail. It got very frustrating. Contacting you was the best decision I’ve made. It was no longer me against the collectors. I wasn’t alone. I had a team on my side. You truly care. Thank you so much for doing what I couldn’t do by myself.”
”I was super skeptical that anyone could fix my debt issues. I had dealt with it so long it just became an every day hassle I just wanted to avoid. I made the decision to call Lemberg Law, and I can say I’m no longer skeptical. The calls have stopped, and they even were able to recover money for me. I couldn’t have asked for a better experience.”
Can You Help Me Delete NCB Management Services from My Credit Report?
The short answer is yes. We can help. Call us today.
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About the Author:
Sergei Lemberg is a lawyer whose practice focuses on consumer law, class actions and personal injury litigation. He has been repeatedly recognized as the “most active consumer attorney” in the country. In 2020, Mr. Lemberg represented Noah Duguid in the United States Supreme Court in the case entitled Duguid v. Facebook. He is the author of Defanging Debt Collectors, a book that teaches consumers how to battle debt collectors and win.