Who Called From 855-622-3500?
Short answer: 855-622-3500 is a number used by NCB Management Services (NCB), a debt buyer based in Trevose, PA — documented consumer line (public directory record). They are almost certainly trying to collect a debt, most often credit card debt. You are not required to answer or say anything — and you have the right to demand written proof before you pay a cent.
Whose Number Is 855-622-3500?
The number 855-622-3500 is used by NCB Management Services (documented consumer line (public directory record)), a debt buyer in Trevose, PA. For the full company profile — ownership, history, and known aliases — see our complete NCB Management Services guide. This page focuses on the calls coming from 855-622-3500 specifically.
About this specific number
- 📞 Number: 855-622-3500 (area code 855, ending in 3500)
- 📍 Line type: Toll-free — resolves to a toll-free line.
- 🏢 Operator: NCB Management Services, a debt buyer in Trevose, PA.
- 🔢 Related lines: NCB Management Services is documented using 3 numbers in our directory, so calls may also come from other digits.
855-622-3500 is a toll-free number, which collectors like NCB use for high-volume inbound and outbound calling.
Consumers frequently search "855-622-3500" the moment it rings. If you found this page that way, the safest next move is to say nothing by phone and demand NCB Management Services put everything in writing.
On your caller ID, in voicemails, or in letters, this company can also appear as: NCB, NCB Management, NCBI.
Why Is NCB Calling Me From 855-622-3500?
In our directory, 855-622-3500 is tracked as a documented consumer line (public directory record) for NCB Management Services, which typically collects credit card debt, retail accounts, personal loans. A call from 855-622-3500 usually happens because:
- ✅ An original account (a credit card debt, for example) went unpaid and was charged off by the creditor.
- ✅ The account was sold to NCB Management Services, which now owns the debt and is trying to collect the full balance.
- ✅ NCB Management Services is now dialing you from 855-622-3500 and possibly other lines to reach a resolution.
Calls from 855-622-3500 often come at the start and end of the business day. Reports around 855-622-3500 often describe repeated daily calls. If NCB Management Services is calling you more than seven times in a week about a single debt, that pattern alone may cross into harassment. Some consumers only notice 855-622-3500 after it has called dozens of times. You can send NCB Management Services a written request to communicate by mail only — that alone can quiet the phone while you investigate. Either way, the burden is on NCB Management Services to document the debt behind 855-622-3500.
Important: a phone call — even from a real number like 855-622-3500 — does not prove you owe the debt, that the amount is correct, or that NCB Management Services can legally collect it. That is exactly why your validation rights matter.
What NOT to Say If You Answer 855-622-3500
Anything you say to NCB can be used to collect. Protect yourself — avoid these common mistakes on the call.
Don't admit the debt is yours
When 855-622-3500 calls, saying "yes, that's mine" or apologizing can be treated as acknowledging the debt — which may reset the statute of limitations. Neither confirm nor deny until you've seen written validation from NCB Management Services.
Don't agree to a payment on the spot
A single payment to NCB Management Services — even a small "good-faith" one — can restart the clock on an old debt and make it collectable again. Never authorize a payment over a call from 855-622-3500.
Don't give bank or card details
Do not read out your bank account, debit, or credit card number to anyone calling from 855-622-3500. Any legitimate NCB Management Services resolution can be handled in writing after validation.
Don't confirm personal information
Avoid confirming your SSN, date of birth, employer, or address to the 855-622-3500 caller. If it truly is your NCB Management Services account, they should already have what they need and must prove it.
What To Do If 855-622-3500 Keeps Calling
Here are concrete next steps for this specific NCB Management Services line. Work through them in order — each one strengthens your position before you ever discuss the debt.
- 1
Pull your Equifax, Experian, and TransUnion reports to see whether the NCB Management Services account tied to 855-622-3500 is actually being reported.
- 2
Ask, in writing, that NCB Management Services identify the original creditor behind the 855-622-3500 calls and the date the debt was opened.
- 3
If you believe the 855-622-3500 debt is not yours, dispute it in writing and request that NCB Management Services cease reporting until it is verified.
Your Rights When NCB Calls From 855-622-3500
The Fair Debt Collection Practices Act (FDCPA) and Fair Credit Reporting Act (FCRA) give you real leverage. Here is the debt-validation playbook we use at Crowned Credit.
1. Demand Debt Validation (FDCPA §809)
Within 30 days of first contact, send NCB a written debt-validation letter. They must prove the debt is yours, the amount is right, and they have the legal authority to collect — or stop collecting.
2. Dispute With the Bureaus (FCRA §611)
If NCB Management Services reported a tradeline, dispute it with Equifax, Experian, and TransUnion. They have 30 days to investigate; unverifiable items must be corrected or deleted.
3. Log the Calls
Write down every call from 855-622-3500: date, time, and what was said. Repeated calls, calls at odd hours, or threats can be FDCPA violations — and leverage for you.
4. Send a Cease-and-Desist
You can demand in writing that NCB Management Services stop calling you entirely. The calls must stop, even though they may still report or pursue other legal steps.
5. Check the Statute of Limitations
Every state limits how long a collector can sue on a debt. If the debt is time-barred, NCB generally cannot win a lawsuit — and a payment could dangerously restart that clock.
6. Know the Anti-Harassment Rules
The FDCPA bars NCB from calling before 8am or after 9pm, threatening you, or lying about the debt. Each violation may entitle you to statutory damages.
How Crowned Credit Helps With Calls From 855-622-3500
We investigate the specific NCB Management Services account behind the calls, assert every applicable right, and work it with all three bureaus and the collector directly — no cookie-cutter form letters.
Review & Validate
We pull all three bureau reports, find every error tied to the NCB account, and demand full debt validation.
Dispute & Escalate
Hand-packed disputes go to the bureaus and to NCB Management Services. When they fail to investigate properly, we escalate to the CFPB and, where warranted, attorneys.
Track & Build
We monitor the outcome and coach you on rebuilding once inaccurate items are addressed. Results vary by profile.
Or call us directly at 336-310-0090. Results vary based on your individual credit profile.
855-622-3500 — Frequently Asked Questions
Who is calling me from 855-622-3500?
855-622-3500 is a toll-free line associated with NCB Management Services (also seen as NCB), a debt buyer headquartered in Trevose, PA and operating since 1994. The number resolves to a toll-free line. If you received a call from 855-622-3500 — often showing the last four digits 3500 on your screen — it is very likely NCB Management Services attempting to reach you about a debt they say you owe, most often credit card debt, retail accounts, personal loans.
Is 855-622-3500 a scam number?
NCB Management Services is a real, registered company, and 855-622-3500 is a documented line tied to it. That said, scammers do "spoof" the caller ID of well-known collectors like NCB, so the number showing on your screen is not proof of anything. Never give payment or personal information based on a phone call alone. Ask for the caller's name, company, and a written validation notice before you discuss any debt.
Do I have to answer or call back 855-622-3500?
You are not legally required to answer 855-622-3500 or call NCB Management Services back. In fact, it is usually smarter to say nothing on the phone and instead demand everything in writing. Under the FDCPA, once you send a written debt-validation request, NCB Management Services must pause collection until it mails you proof of the debt.
Why is NCB Management Services calling me about credit card debt?
A call from 855-622-3500 usually means an original credit card debt went unpaid and was sold to NCB Management Services, which now owns the balance and dials this line to collect it. The account may have aged or changed hands more than once, so demand the full paper trail before you accept the balance as accurate.
Can I stop NCB Management Services from calling 855-622-3500?
Yes. The FDCPA lets you send a written cease-and-desist demand telling NCB Management Services to stop contacting you by phone. They can still report to the bureaus or pursue other legal steps, but the calls from 855-622-3500 and any related lines must stop. This is a useful way to end harassment while you build your dispute.
Should I pay the debt NCB Management Services is calling about?
Do not pay anything based on a call from 855-622-3500 until the debt is validated. Once you confirm the debt is yours, accurate, and still within your state's statute of limitations, you can consider a written pay-for-delete arrangement. Paying an unverified or time-barred debt can restart the clock and lock in a negative mark. Get a free assessment first.
More About NCB Management Services
Other phone numbers used by NCB Management Services:
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