NCB Management Services: Who They Are and Your Rights

Type

Collection agency and debt buyer

Also known as

NCB Management Services, Inc.; NCB

Headquarters

Trevose, PA

Collects

purchased consumer accounts, financial institution accounts, insurance balances and subrogation claims, commercial accounts

Phone numbers it lists

(800) 828-1110

Website

ncbi.com

3,581 debt collection complaints were sent to the Consumer Financial Protection Bureau about NCB Management Services Inc. from November 13, 2023 to November 12, 2026. A complaint is a consumer's account, not a finding that the company broke the law. Read the complaints in the CFPB database.

Who Is NCB Management Services?

NCB Management Services, Inc. says it was founded in 1994 and describes itself as a provider of accounts receivable management and call center services "as well as a respected national debt buyer." Its office is at One Allied Drive in Trevose, Pennsylvania. NCB says it is licensed, bonded and insured to operate in all fifty states, and its website lists NMLS ID 209072.

That two-sided business model is the most important thing to understand about NCB. Some accounts it collects belong to its clients. Others it has bought outright, in which case NCB itself is the creditor you are dealing with.

Why NCB Management Services May Be Contacting You

NCB's site groups its work into financial recovery for lenders, commercial (business-to-business) collections, insurance collections, and portfolio acquisitions. On the insurance side it describes subrogation recovery for property and casualty insurers, Subrogation is an insurer's attempt to recover what it paid on a claim from the person it says caused the loss, so you can receive such a letter from a company you never had a policy with. On the financial side it says it has represented some of the largest financial institutions in the country.

NCB's FAQ adds a useful detail: it reports accounts it has purchased to the credit bureaus, but says it waits at least 45 days after its first notice and will not report if you resolve the account or enter a payment arrangement in that time. It says it does not credit report accounts placed with it by third-party creditors. So the type of account affects whether an NCB tradeline can appear on your report at all.

How to Check a Debt NCB Says You Owe

Your first step is to learn which kind of NCB account you have.

• Ask whether NCB owns the account. If it bought the debt, ask for the chain of title from the original creditor. If it is collecting for a client, ask which client.
• Read the validation notice carefully. It should give the creditor at the relevant date, an itemization of interest, fees, payments and credits since then, and the deadline for disputing (15 U.S.C. § 1692g; 12 C.F.R. § 1006.34).
• Dispute in writing within the validation period. NCB says account disputes and document requests must be sent in non-electronic writing to its Trevose address, so mail them and keep proof of delivery.
• For a subrogation claim, ask for the accident report, the insurer's payment records and the basis for saying you are responsible. Check whether your own insurer should be handling it.
• Mind the clock. Texas has a four-year limitations period for most debts (Tex. Civ. Prac. & Rem. Code § 16.004), and a debt buyer may not sue on a time-barred consumer debt (Tex. Fin. Code § 392.307). Limitations periods vary by state.

What NCB Management Services Can and Can't Do

When NCB collects for a client, it is a "debt collector" under 15 U.S.C. § 1692a(6). When it collects debts it bought, the Supreme Court's Henson v. Santander (2017) decision means the "owed another" test does not apply, but a company whose principal purpose is collecting debts is still covered. Either way, these rules apply:

• It must not report information it knows or should know is false, and it must note a debt as disputed if you have disputed it (15 U.S.C. § 1692e(8)).
• Under Regulation F, a collector generally cannot furnish information to a credit bureau before it has communicated with you about the debt (12 C.F.R. § 1006.30(a)).
• It may not call more than seven times in seven days about one account (12 C.F.R. § 1006.14(b)(2)) or call at inconvenient times, presumptively before 8 a.m. or after 9 p.m. your time.
• It cannot demand payment at work if it knows your employer prohibits such contact (15 U.S.C. § 1692c(a)(3)).

We did not find an enforcement action against NCB in the CFPB's enforcement actions list, the FTC's case database, the Connecticut Department of Banking's 2016–2026 consumer credit orders, California DFPI enforcement records or the New York DFS enforcement actions list, which we checked in November 2026.

We Sue Debt Collectors That Break the FDCPA

Texas Debt Law files Fair Debt Collection Practices Act lawsuits against debt collectors in federal court for consumers in Texas, California, Illinois, Georgia and Colorado. If NCB Management Services or anyone collecting for it harassed you, misstated what you owe, threatened action it could not take, or told others about your debt, you may have a claim. A court can order a collector that violated the FDCPA to pay your actual damages, up to $1,000 in additional statutory damages, and your attorney's fees and costs (15 U.S.C. § 1692k(a)). An FDCPA claim generally must be filed within one year of the violation (§ 1692k(d)), so keep your letters, call logs, voicemails and screenshots, and talk to us early. Texas residents may also have claims under the Texas Debt Collection Act. Learn more from our FDCPA attorneys.

Free FDCPA Case Review(214) 851-2250

Or start your free case evaluation online. No lawyer can promise a result; every claim depends on its facts and proof.

Sources

• NCB Management Services: About
• NCB Management Services: Contact
• NCB Management Services: FAQ (credit reporting)
• NCB Management Services: Clients
• NCB Management Services: home page (licensing and NMLS numbers)
• CFPB Consumer Complaint Database: NCB Management Services Inc., debt collection

This profile is general information compiled from public sources, not legal advice, and it does not state or imply that NCB Management Services has violated any law. Company details change; tell us if something here is out of date. Lea este perfil en español.