National Credit Management

Consumer sent NCM an email to cancel payment on Sunday 2/26/@11:PM which was not reviewed by NCM Representative until Tuesday 2/28/17. Consumer called into Office and spoke to Representative concerning payment, Representative attempted to speak to consumer
concerning previously missed payments on delinquent loan . NCM has reviewed call with NCM representative and will further train Representative on NCM Policies and ProceduresNCM has cancelled consumer's payment for February and credited back account on 3/1/17. Consumer will have no further contact with NCM RepresentativeConsumer can pay account online at www.ncmpay.com

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,
*** ***

NCM has removed the same name of consumer from system and will not receive any communication

National Credit Management has been assigned consumers account from *** *** ***Have attempted to contact consumer

Complaint: ***
I am rejecting this response because:The aforementioned creditor had not stated anything regarding the faor credit reporting act but instead was punitive regarding their response concerning my requestI am not a criminal in any way and their comments and response concerning the situation were both erroneous and unjustifiedMaking statements such as payment for deletion was not something that I was attempting to accomplishIf atrempting to correct past mistakes and improve my credit is an attempt to "defraud" their company as they stated then it is very real news to me! Again, their need to be harsh, punatice and out right rude towards customers is unacceptable. Regardless of my or anyone's previous or current credit history their treatment is intolerable and they should be put out of businessIt is not their job to reprimand in any way, a consumer periodI'm glad that I will not have to deal with them after the close of this current monthI have not one issue paying what I owe! I do have a problem with being treated with such disdain and degradation!
Sincerely,
*** ***

NCM does not own the accounts which it collects on. They are assigned by the Colleges and Universities which we work for. Consumer's settlement was presented to [redacted] but was denied.

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 and needed to be deleted from all three credit bureaus. 
Sincerely,
[redacted]

Consumers delinquent account assigned to National Credit Management on 2/3/17 for failure to make payments to [redacted]. Student loan has not been bought and sold. [redacted] has reported this account as delinquent since 3/27/14. Consumer registered online through...

[redacted] portal.

Consumer registered for classes with [redacted], account was listed delinquent on 7/13/15 and placed with NCM for collections for failing to pay for the...

classes registered for. Per enrollment agreement consumer failed to withdraw within the proper time frame for refund. NCM received account by the [redacted] on 4/15/16 attempted to contact consumer but never had any conversations with consumer. If consumer feels that [redacted] was of poor quality he needs to call the [redacted] to discuss the situation. NCM has closed the account back to the [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]

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]

Revdex.com: Not true they tried to contact me, otherwise they could it left a massage on my phone. Revdex.com I greatly appreciate your assistants.  Thank you.
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 /* (1000, 5, 2016/01/11) */
Contact Name and Title: [redacted] EVP
Contact Phone: XXX-XXX-XXXX
Contact Email: [redacted]@NCMSTL.COM
Ivy Tech Community College had previously attempted to collect past due consumer tuition balance, reported delinquent as of 12/18/2011. Ivy...

Tech sent consumer letter on 3/9/12 to [redacted] N [redacted] Mulberry IN XXXXX informing consumer that his account would be assigned to NCM for collections if no payment was received.
On 4/9/12 Consumer account was placed with NCM in the amount of $766.75. Letter was sent to consumer from NCM on 4/13/12 explaining to consumer who the creditor was and that he had thirty(30)days to dispute the validity of the debt. No dispute was received by NCM from consumer and collection activity continued.
Attempted to contact consumer by phone and mail, which took place on several occasions. Due to the lack of contact with consumer and Ivy Tech Community College Credit Reporting Policy and as well as the Fair Credit Reporting Act (FCRA); the credit reporting agencies were notified of delinquent account.
Consumer called into NCM on the date of 1/07/13 and paid balance of $766.75 by Credit Card. On 2/5/13 Credit Reporting Agencies were updated to reflect "Paid Collection Item".
Since NCM is a Data Furnisher we need to report Fair and Accurate information to Credit Reporting Agencies. NCM Cannot remove information as if it never happened.
Consumer can contact Credit Reporting Agencies if he feels that it is invalid and have them remove it from his credit report.

Consumer's account has been delinquent with [redacted] since 8/4/2015. Placed with NCM for collections on 7/13/17. Validation Information mailed to consumers last known address. Consumer is to notify University if address changes.

Consumer's delinquent account was assigned to National Credit Management by [redacted] Community College on 10/30/15 in the amount of 2877.16 after default fee was added due to being delinquent since 12/16/2012. Consumer still owes the delinquent debt to [redacted] and does not have a...

voluntary payment arrangement with [redacted] and that is why taxes are being seized and also why the account was listed with a collection agency. NCM was instructed to report delinquent account to all three major credit bureaus per contractual agreement with [redacted] Community College. Since consumer stated that he will not pay his account, [redacted] will be updated on situation and consumer account will be closed and returned back to [redacted]. Account will be updated with all three major credit bureaus which will reflect delinquency through original creditor as per the Fair Credit Reporting Act (FCRA).

Account assigned to NCM from [redacted]. Since consumer is disputing the account, NCM will close and return the account back to [redacted] and send updated information to credit bureaus to remove.

Initial Business Response /* (1000, 5, 2015/11/03) */
Contact Name and Title: [redacted] EVP
Contact Phone: XXX-XXX-XXXX
Contact Email: [redacted]@NCMSTL.COM
Per the Fair Credit Reporting Act (FCRA) An account remains on a consumers credit report for up to seven (7) years. $139.24 account was...

reported as delinquent by [redacted] University on 7/29/13. Account assigned to NCM on 10/21/13. Consumer paid delinquent account in the amount of $139.24 on 12/19/13. Account was never disputed by the consumer. Account was updated to reflect payment to all three major credit bureaus. Credit Bureau updates the account as a "Paid Collection Item". As a data furnisher to Credit Bureaus, NCM cannot delete an item which reflects the truth and accuracy of the credit report. Consumer can contact Credit Bureau Agencies to dispute the report if he feels that it is a false representation of his credit report.
Consumer called into NCM on 10/21/15 and was given the same explanation.

NCM will have no further contact with consumer. Consumer information removed from NCM data base.

Information sent to Credit Bureau to be removed from Consumer Bureau.

Contact Name and Title: [redacted] EVP
Contact Phone: XXX-XXX-XXXX
Contact Email: [redacted]@ncmstl.com
National Credit Management was assigned an account on 5/26/15 from [redacted] NCM attempted to contact consumer by mail and phone to discuss delinquent Pell Grant which he...

received in Fall 2011 for a Biology Class. Consumer never sent dispute or contacted NCM within 30 days after initial letter of 5/26/15. NCM did receive a dispute and request for validation on 8/25/2015. NCM sent validation on 9/22/15 which included Student Account Printout of Pell Grant Disbursement, along with [redacted] drop/add form with consumer signature from 10/13/11.
Since consumer disputes that this is not a valid charge; NCM has ceased collection of account and closed and returned back to [redacted]