A call from NCB Management Services about a debt you do not recognize can feel invasive. The BBB has fielded over 145 complaints against the company in the past three years, many alleging harassment and improper communication. Federal law limits what NCB Management can say and how often it can call.
Key Takeaways
- NCB Management Services is a third-party debt collection agency based in Trevose, Pennsylvania.
- The BBB has logged over 145 complaints against the company in the past three years, many alleging aggressive or misleading communication.
- Consumers have reported calls about debts already discharged in bankruptcy, a pattern that may support an FDCPA claim.
- Federal lawsuits, including Campbell v. NCB Management Services and Johnson v. NCB Management Services, allege violations of debt collection law.
- You may be entitled to up to $1,000 per FDCPA violation, plus actual damages and attorney fees.
- The Wood Firm PLLC works on contingency. You pay nothing unless we win.
Free Case Review: +1-844-638-1122
Who Is NCB Management Services?
NCB Management Services is a third-party debt collection agency based in Trevose, Pennsylvania.
The company collects unpaid accounts on behalf of credit card companies, banks, lenders, and other creditors. NCB Management did not originate these accounts. It purchased or was assigned them after the original creditor gave up on direct collection.
In our practice, we request the chain-of-title documentation on every NCB Management file. Consumers have alleged contact about debts already discharged in bankruptcy, and that pattern often points to a validation problem.
- Address: 1 Allied Dr, Trevose, PA 19053-6945
- Phone: (215) 244-4200 | 215-244-4200 | +1 215-244-4200
- Fax: (215) 633-9920
- BBB Status: Over 145 complaints in the past three years
NCB Management Services Phone Numbers
NCB Management uses a range of numbers when contacting consumers. If any of these called you, the caller is almost certainly NCB Management Services.
- 215-244-4200: Trevose, PA main office
- 215-633-9093: Regional line
- 855-622-5900: Toll-free line
- 855-739-5600: Toll-free line
- 866-615-6222: Toll-free line
- 877-901-3200: Toll-free line
- 800-828-1110: Toll-free line
- 855-622-5800: Toll-free alternate
- 800-633-9905: Toll-free alternate
- 855-622-3500: Toll-free alternate
- 877-901-8400: Toll-free alternate
- 267-525-4218: Regional alternate
- 855-768-6613: Toll-free alternate
Document every call: date, time, number, and what was said. That log becomes evidence if the calls cross into harassment.
Why Is NCB Management Calling You?
NCB Management is calling you because a creditor sold or assigned your account for third-party collection. The company profits when you pay, which can create pressure to use aggressive tactics.
BBB complaints describe several recurring patterns.
- They are collecting a debt already discharged in bankruptcy. Consumers have alleged continued contact after a bankruptcy discharge should have ended collection.
- They are calling with limited detail about the underlying debt. Consumers report difficulty confirming who the original creditor was.
- They are calling frequently, including relatives. Multiple complaints describe repeated contact beyond what federal law allows.
Do not pay before verifying the debt. If NCB Management will not identify the original creditor, that refusal alone may be a violation.
Is NCB Management Services a Scam?
NCB Management Services is a real, licensed debt collection agency, but licensed does not mean every tactic is legal. The BBB has logged over 145 complaints against the company in the past three years, many alleging harassment and improper communication.
Documented conduct, including alleged contact about discharged debts and frequent unwanted calls, may give rise to federal claims.
Is NCB Management Services Banned by the FTC?
No. NCB Management Services has not been banned by the FTC.
Consumers have instead pursued federal lawsuits and filed complaints with the CFPB and state attorneys general.
In our practice, we treat the absence of an FTC ban as no guarantee of compliance. The federal lawsuits below already document some of the same conduct an FTC action would target.
Has NCB Management Services Been Sued?
Yes. NCB Management Services has been named as a defendant in multiple federal lawsuits alleging violations of debt collection law.
- Campbell v. NCB Management Services, Inc., 6:19-cv-00136-JDK: the complaint alleges violations of the FDCPA in the company’s collection communications.
- Johnson v. NCB Management Services, Inc., 1:19-cv-01386-JRS-MPB: the complaint alleges deceptive or misleading collection practices.
- Covington v. NCB Management Services, Inc., 8:19-cv-00676-MSS-AEP: the complaint alleges unlawful contact tactics under federal debt collection law.
In our practice, we pull the complete case file whenever a client is contacted by NCB Management. These lawsuits show a recurring pattern around unclear or improper collection notices, and that pattern is often where a validation claim starts.
If you received a confusing letter from NCB Management, keep it. That letter may document a violation.
How to Stop NCB Management Harassment
1. Keep Detailed Records
Document every call: date, time, phone number, and what was said. This log becomes evidence if you file a complaint or pursue legal action.
2. Send a Cease-and-Desist Letter
Mail a cease-and-desist letter by certified mail with return receipt. After NCB Management receives it, the company may only contact you to confirm cessation or notify you of legal action.
3. Dispute the Debt
Send a written dispute within 30 days of first contact. Request validation, which requires NCB Management to prove the debt is accurate and belongs to you before continuing collection.
4. Confirm Any Debt Before Paying
Scammers sometimes impersonate real collectors. Confirm any balance through NCB Management’s official channels or a written validation request before sending payment.
5. Call an Attorney
In our practice, once we send formal notice of representation, NCB Management must route all further contact through our office instead of calling you directly.
Can NCB Management Services Sue Me?
NCB Management can file a lawsuit if it believes a debt is valid and within the statute of limitations. The company must first prove the debt in court before taking further collection action.
If the statute of limitations has passed in your state, typically 3 to 6 years for most consumer debt, NCB Management cannot successfully sue you on that account.
Can NCB Management Affect My Credit Report?
- Debt was already paid or discharged: dispute with documentation from the original creditor or bankruptcy discharge order.
- Debt is not yours: dispute with identifying information proving the error.
- NCB Management never validated after your written request: reference the unanswered request in your bureau dispute letter.
- Debt is time-barred: a time-barred debt can still appear on a credit report for up to seven years from the date of first delinquency.
Inaccurate reporting can give you a separate FCRA claim on top of any FDCPA claim.
How The Wood Firm PLLC Helps Stop NCB Management Debt Collection Harassment
When NCB Management contacts you about a discharged debt, calls with limited account detail, or contacts relatives beyond what federal law allows, those patterns can support claims under the FDCPA and FCRA.
The Wood Firm PLLC has represented consumers exclusively since 2010 and has never represented a creditor. You pay nothing upfront, and NCB Management pays our fees if we win. Attorney Jeff Wood founded the firm to focus solely on consumer protection. Call +1-844-638-1122 for a free case review.
Has NCB Management crossed the line with you? Visit our contact page or call +1-844-638-1122 for a free case review. The Wood Firm PLLC handles these cases on contingency. If NCB Management violated federal law, the company pays our fees.
Frequently Asked Questions About NCB Management Services
Why is NCB Management calling me?
NCB Management is likely contacting you about an unpaid account it purchased or was assigned for collection. You have the right to request written validation before making any payment.
Is NCB Management Services a scam?
No, NCB Management Services is a licensed, legitimate debt collection agency. Many consumers have still reported aggressive behavior, so confirm any debt before responding.
What is NCB Management Services?
NCB Management Services is a third-party debt collection agency based in Trevose, Pennsylvania. It collects unpaid accounts on behalf of credit card companies, banks, and other creditors.
Has NCB Management Services been sued?
Yes. Federal lawsuits including Campbell v. NCB Management Services and Johnson v. NCB Management Services allege violations of debt collection law.
Can NCB Management Services sue me?
Yes, if the debt is valid and within your state’s statute of limitations. The company must prove the debt in court before taking further action.
Can NCB Management affect my credit report?
Yes. Unpaid accounts handled by NCB Management can appear as collection entries and remain for up to seven years from the date of first delinquency.
What is NCB Management’s phone number?
NCB Management’s main office number is (215) 244-4200. The company also uses several toll-free numbers listed above, so check the full list if an unfamiliar number called you.
What to Do If NCB Management Contacts You Next
A company facing multiple federal lawsuits and over 145 BBB complaints will not stop calling on its own. Document every call, request written validation, and keep any letters that arrive.
The Wood Firm PLLC works on contingency and reviews these cases free of charge. Call +1-844-638-1122 to find out where your case stands.
Jeff Wood represents consumers exclusively, never creditors or collectors. He holds federal court admissions across 9 districts, including all courts of AR, CO, NM, and TX. He practices from Little Rock, AR.
