NCB Management Services, Inc.

[To assist us in bringing this matter to a close, you must give us a reason why you are rejecting the responseIf no reason is received your complaint will be closed as Answered]
Complaint: ***
I am rejecting this response because: This company is violation because I did not receive proper documents as stated in complaint. The address *** states they have sent to me to an address that is not registered as being mine om my credit reportsThese docs have said to be sent via certified mail per *** *** ***Please have company submit proof with my signature signing Also it is illegal and against the for collection agencies to re-age a debt. This account began reporting on my credit report before it was sold. I will also be filing a complaint with *** and file a lawsuit if this NCB Management does not comply and remove it this account
Regards,
*** ***

August 26, 2016Dear *** ***:Thank you, *** *** for submitting your concernsOn August 25, 2016, we first received your request to cease calling you at your place of employmentAt that time, we removed your work phone number, *** *** *** from our systemWe have also removed all other
telephone numbers from our system that we believe reach youAs you have requested, please be assured that we will make no further efforts to contact you by telephoneShould you have any other concerns, please contact our SVP of Audit and Compliance at ###-###-####, ext***.Sincerely,Joseph K.SVP of Audit and Compliance

March 30, 2016Dear *** ***,Thank you for submitting your concerns; we take concerns like yours very seriouslyOn March 22, 2016, we reached out to you and resolved this matterShould you have any further questions, please contact our VP of Audit and Compliance at ###-###-####, ext
***.Sincerely,Lesley B.VP of Audit and Compliance

October 13, 2017Dear *** ***:NCB Management Services, Inchas again reviewed the circumstances regarding this accountNCB disagrees with your assertion that we have broken the lawOur position continues to be that the customer remains liable for the account after the creditor has charged off the debtIn addition, we do not find that the creditor is restricted from selling charged off debtNCB stands by the accuracy of our credit bureau reporting regarding this accountShould you have any further concerns, please contact our Chief Compliance Officer at ###-###-####, ext***.Sincerely, Joseph K.,Chief Compliance Office

February 23, 2017Dear *** ***:Thank you, *** *** for submitting your concernsWe take concerns like yours seriously and have reviewed the matterOur records indicate that you had two conversations with representatives of NCB Management Services, Inc., one on November 16, and the other
on February 8, We respectfully disagree with your characterization of our actions as negative, threatening, or not willing to helpIn both conversations, our agents listened to your concerns, reviewed the circumstances, and offered options to resolve the accountUnfortunately, an agreement was not reached by the conclusion of either callYou advised our agent, after a lengthy conversation on February 8, 2017, that you would review the options discussed and call back by February 11, 2017.NCB remains committed to discussing matters with you in a respectful, courteous, and appropriate mannerShould you have further questions, please call our SVP of Audit and Compliance at *** ext***.Sincerely,Joseph KSVP of Audit and Compliance

November 21, 2014Dear *** ***,We appreciate you sharing your concerns with us as we encourage our customers to do soWe are investigating your concerns and will provide you with a written responseIn the event you have any further questions or concerns you may contact NCB’s Senior
Compliance Officer directly at ###-###-####.This communication is from a debt collector, but it is not an attempt to collect a debt.Senior Compliance Officer

[To assist us in bringing this matter to a close, you must give us a reason why you are rejecting the responseIf no reason is received your complaint will be closed as Answered]
Complaint: ***
I am rejecting this response because:
This business is blatantly breaking the lawThe creditor had no right to sell off this account because they wrote it off on their taxesI will be taking extreme legal action if this is not immediately removed from my credit reportIncluding pain and sufferingThis will get very nasty if you guys don't want to play ball
Regards,
*** ***

May 29, 2015*** ***,We would like to thank you for submitting your concernsWe received your original written dispute of this debt on April 21, We have requested documents from the previous owner of your account to validate your debt and we will mail them to you upon receiptWe are not
currently reporting this debt to a collection reporting agencyUntil we mail you the validationdocuments, our office will not contact you in an effort to collect the debt.Should you have any further questions, please call our Chief Compliance Officer at *** ext***.SincerelyAndrew BGeneral Counsel and Chief Compliance Officer

November 27, 2017Dear *** ***:Thank you for the opportunity to respond to your concernsNCB Management Services, Incpurchased your account on December 29, from *** *** *** *** *** as stated in our letter to you of January 4, This is the first correspondence we have received
from you requesting validation of debt documentsWe will provide a copy of your internet application and the financial transaction history of the account in a separate mailing. NCB Management Services, Inccompleted an investigation regarding this dispute and reported appropriately to the credit bureausNCB stands by the accuracy of its credit bureau reporting regarding this accountShould you have any further concerns, please contact ou Compliance Officer at ###-###-####, ext***.Sincerely, Joseph KChief Compliance Officer

[A default letter is provided here which indicates your acceptance of the business's response. If you wish, you may update it before sending it.]
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.
Regards,
*** ***

[To assist us in bringing this matter to a close, you must give us a reason why you are rejecting the responseIf no reason is received your complaint will be closed as Answered]
Complaint: ***
I am rejecting this response because:I never received validation of the debtI requested a signed contract between me and your company(via Greg A***) in May and under the FDCPA and FCRA the account was supposed to have been deleted from my credit report because you didn't provide the documentation I requested hence is why I filed a complaint via the Revdex.comSince all calls are recorded and monitored please pull the call and you will hear where I CLEARLY state to provide me with a signed contract with my wet ink signature between me and your companyAlso, on 7/I requested validation of the debt again and as of 8/you have yet to provide it however you have chose to ignore not only my request but my civil rights for a second timeAgain I ask that you provide the aforementioned by 8/or cease and desist all collection activities and remove their negative report from all CRA's : •Agreement with the creditor that authorizes you to collect on this alleged debt •The agreement bearing my signature stating that I have agreed to assume the debt •Valid copies of the debt agreement stating the amount of the debt and interest charges (detailed copies of ALL statements) •Proof that the Statute of Limitations has not expired •Complete payment history on this account along with an accounting of all additional charges being assessed •Show me that you are licensed to collect in my state
Regards,
*** ***

September 8, 2017Dear *** ***:Thank you for providing an opportunity for NCB Management Services, Incto respond to your concernsThis correspondence is the first notification we have received from you to cease telephone communicationWe have removed all telephone numbers associated with your
account from our systemNCB Management Services, Incwill make no further attempts to contact you by telephoneShould you have any further concerns, please contact our SVP of Audit and Compliance at ###-###-####, ext***.Sincerely, Joseph KSVP of Audit and Compliance

We are in receipt of your correspondence dated 6/22/and would like to thank you for sharing your concerns with usWe take concerns like yours seriously and we have reviewed the accountOn 6/22/15, a representative from our office contacted you in an attempt to reach another partyWe
respectfully disagree that any prize was offeredIn the event you have any further questions or concerns, you may contact me directly at ###-###-####.Sincerely,
Lesley B***VP of Audit and Compliance ###-###-####

February 29, 2016Dear *** ***:Thank you for submitting your concerns; we take concerns like yours very seriouslyNCB Management Services, Incowns two accounts belonging to youThe first is an *** *** card that originated with *** *** *** *** *** on or around July 2006, and
purchased by NCB Management Services on or around August The second account is an *** *** ***account that originated on or around August 2015, and was purchased by NCB on or around December We have sent several letters regarding both accounts to the address we have on file for youIf you have not received these letters, we would be happy to resend themWe will certainly honor your request for no further phone callsShould you have any questions, please contact our VP of Audit and Compliance at ###-###-####, ext***.This communication is from a debt collector, but this is not an attempt to collect a debt.Sincerely,

April 14, 2017Dear *** ***:Thank you for submitting your concernsNCB Management Services, Incpurchased the referenced account in October of from *** Consumer USA IncWe are forwarding to you in a separate mailing, validation of debt documents as well as a financial transaction
history for this accountThese signed documents will verify your responsibility regarding this matter.While we can empathize with the position you were left in when your vehicle was stolen and wrecked, matters such as these do not relieve a person of their financial responsibility for the loan that was taken to purchase the vehicleShould you have further questions, please call our SVP of Audit and Compliance at ###-###-####.Sincerely,Joseph KSVP of Audit and Compliance

December 26, 2017Dear *** ***:Thank you for bringing this matter to our attentionWe recognize the concerns that you have brought to light. It is the policy of NCB Management Services, Incto honor any request, verbal or written to cease telephone calls to any or all telephone numbers associated with a customerNo further calls have been placed to you since the receipt of your original correspondenceIn addition, we have removed all telephone numbers we have associated with the account to ensure no future calls are initiatedOther than the requested debt validation documentation you have requested we will make no further attempts to reach you regarding the matterIf you have any additional questions or concerns, please contact our Chief Compliance Officer at ###-###-####, ext***.Sincerely,Joseph K.Chief Compliance Officer

July 28, Dear *** ***,We wish to thank *** *** for sharing his concerns as we encourage our customers to do soOur records are not consistent with *** ***’s claims that a settlement was reached on this accountI am inviting *** *** to call me directly at
###-###-#### to discuss the matter.This letter is from a debt collector but is not an attempt to collect a debt.Sincerely,Daniel V*** Senior Compliance Officer

Very rude and nasty when I called to figure out where this debt came fromNever received notification of debt being sold to this company nor did I receive any letters from this company before being placed on credit reportsNever even given the chance to discuss the matter before this company placed this debt on my credit reports

Thank you for providing an opportunity for NCB Management Services, Incto respond to your concernsNCB Management Services, Incpurchased the referenced account from *** *** *** *** on September 21, as stated in our letter to you on September 23, This loan originated
on April 7, for the purchase of a *** *** ***In June of 2017, NCB Management responded to the credit bureaus regarding the dispute you filed with themThis correspondence is the first communication we have from you requesting verification of the debtThese documents are being mailed to you today in a separate mailing and include a copy of the contract with your signature, the letter explaining the deficiency balance, and a financial transaction historyShould you have further questions, please call our *** ** *** *** *** ** *** *** ***Sincerely,Joseph *** *** ** *** *** *** *** *** *** *** *** *** ***
*** *** *** * *** ** *** *** *** * *** * *** ***
Thank you

January 29, 2016Thank you for submitting your concernsWe take concerns like yours very seriously.We received a request for validation of debt from your attorney on October 6, 2015, and notified our client of your requestWe have closed the account in our office and returned it to the
original creditorNCB Management Services, Incis not reporting on your credit bureau report.Should you have any questions, please contact our VP of Audit and Compliance at *** ***, ext***.Sincerely,Lesley B.VP of Audit and Compliance