National Credit Management

Consumers delinquent account assigned to National Credit Management on 2/3/for failure to make payments to [redacted] Student loan has not been bought and sold [redacted] has reported this account as delinquent since 3/27/Consumer registered online through [redacted] portal

Consumer registered for classes with [redacted] , account was listed delinquent on 7/13/and placed with NCM for collections for failing to pay for the classes registered forPer enrollment agreement consumer failed to withdraw within the proper time frame for refundNCM received account by the [redacted] on 4/15/attempted to contact consumer but never had any conversations with consumerIf consumer feels that [redacted] was of poor quality he needs to call the [redacted] to discuss the situationNCM has closed the account back to the [redacted]

NCM requested information to be deleted from credit bureaus

Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and find that this resolution is satisfactory to me Sincerely, [redacted] ***

Initial Business Response / [redacted] (1000, 5, 2016/02/10) */ Consumer Account has been closed and returned back to UniversityCredit Bureaus have been notified to remove and update Initial Consumer Rebuttal / [redacted] (2000, 7, 2016/02/10) */ (The consumer indicated he/she ACCEPTED the response from the business.) Thank you for your response and further investigation into this matter

Initial Business Response / [redacted] (1000, 5, 2015/11/19) */ Contact Name and Title: [redacted] EVP Contact Phone: XXX-XXX-XXXX Contact Email: [redacted] @NCMSTL.COM NCM was assigned on 11/3/a delinquent Perkins Loan owed to The [redacted] of [redacted] since 7/1/ Consumer was sent a letter on 11/04/by NCM informing consumer the status of Student Loan NCM spoke to The [redacted] of [redacted] to verify correct informationUniversity stated that consumer had two (2) accounts with the University and may have been told that one account had been paidHowever the consumer still had another loan that remained delinquent NCM has since received information from The [redacted] that school has received consolidation information from consumer on 11/18/to pay outstanding student loan balance NCM has ceased any communication efforts with consumer since she has made arrangements with The [redacted] of [redacted]

Consumer delinquent account assigned to NCM from [redacted] ON 7/5/for receiving Federal Funds and not attending class and failed to officially withdrawal from UniversityConsumer called NCM on 5/17/and wanted to pay a settlement amount and have account removed from Credit BureauWas told that per Fair Credit Reporting Act (FCRA) NCM cannot accept payment for deleteAccount will be sent back to [redacted]

Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and find that this resolution is satisfactory to me Sincerely, [redacted] ***

NCM is attempting to locate consumer [redacted] ***NCM does not utilize Robo-Call capabilities.NCM will remove phone numbers from system

Consumer's account has been delinquent with [redacted] since 9/5/Placed with NCM for collections on 7/5/Validation Information mailed to consumers last known addressConsumer is to notify University if address changesConsumer requested a settlement on a account and was suppose to pay with guaranteed funds but paid with a personal check in the amount of $Consumer paid settlement amount on 6/12/Sent letter to consumer address: [redacted] **Explained to consumer that Credit Report will be updated to reflect payment on 8/5/due to the fact account was paid by a personal check and not guaranteed funds thus the delay in notifying credit bureau

Initial Business Response / [redacted] (1000, 5, 2015/06/24) */ Contact Name and Title: [redacted] Executive VP Contact Phone: XXX-XXX-XXXX Contact Email: [redacted] @ncmstl.com After speaking with consumer concerning account, NCM contacted Kentucky State University and determined that the consumer account was placed in errorNo further contact with consumer will be made

RevDex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and find that this resolution is satisfactory to me. However, I will be following up with each of the credit bureaus to verify deletion and submitting a new complaint if this is not completed as stated. Sincerely, [redacted] ***

Information sent to Credit Bureau to be removed from Consumer Bureau

Account # [redacted] listed to consumer was assigned to NCM on 11/14/by [redacted] ***Attempted to contact consumer multiple times but NCM was unsuccessful in speaking to consumerHave included validation information which shows consumer had attended [redacted] ***If consumer is disputing attendance than NCM will contact [redacted] and close account

When student receives funds from the University, upon enrollment, they agree to the policies of the University, enclosed is the Enrollment Rights and Responsibilities of *** *** *** UniversityThe University attempted to notify the student concerning the delinquent accountThe University
then assigned the account over to NCM as noted in the enrollment agreementWhich also stipulates that any delinquent debts may be reported to a credit bureau. The consumer paid the account after the account was delinquent, thus it has to be reported as a Paid collection item, per the Fair Credit Reporting Act (FCRA) as accurate informationIf the consumer feels that this is an error then they need to dispute the information with the Credit Bureau Agencies

NCM will cease collection of consumer account and notify *** *** *** *** of dispute

Initial cost of class was around $Cancelled within first 60-days per policy, also the course was very poor quality

Consumer account with *** *** *** *** has been delinquent since August 8, 2016, the University placed delinquent account in the amount of $with NCM on April 3, for collectionConsumer called into office on 10/2/and wanted to make payment arrangement
Consumer stated she had to call backConsumer called again on 11/2/and agreed to make an initial payment of $and then a payment of $1500.00 on 11/30/and the final payment of $on 12/29/17.Consumer called in again on 11/16/and asked an NCM representative to have this account removed from Credit BureauWas told that the account can't be removed, that it would be updated as a paid collection item. Consumer stated she is trying to buy a house and this account was listed on her Credit ReportShe became upset because she was told that collection item cannot be removed due to the Fair Credit Reporting Act (FCRA)Asked to speak to Supervisor, she was told the same thing, Per the Fair Credit Reporting Act this delinquent account owed to *** *** *** ***, has to be reported accurately and as a data furnisher NCM does not operate "pay for delete"Stated other companies will do it and that she will call the Credit Bureau to remove itShe then hung upAll calls are monitored and recorded and at no time was any NCM representative rude to consumer

Since consumer is disputing validation information from the University of Houston-Clear Lake, NCM has closed and returned the account back to the University and requested information to be removed from consumer Credit Bureau

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and find that this resolution is satisfactory to me
Sincerely,
*** ***