NCB Management Services, Inc.

July 31, 2017Dear *** ***:Thank you for providing an opportunity for NCB Management Services, Incto respond to yourconcemsOur records indicate that on May 31, you requested telephone calls stop untildebt validation was provided to youOur records show that NCB has not telephoned you
sincethat timeOn June 2, 2017, NCB mailed the debt validation statements to your addressWerespectfully disagree with your assertion that NCB violated a request to cease and desistYourrequest was for no further telephone calls and that request has been honoredThe letter NCBsent on July 10, did not violate your request for calls to stop until validation was received.Please be advised we have taken this correspondence as a request for all communication to ceaseand desistNCB Management Services, Inchas removed telephone numbers associated withyou from our dialing system and will not make further attempts to contact you in any formregarding this matterShould you have further questions, please call our SVP of Audit andCompliance at ###-###-####.Sincerely, Joseph K.SVP of Audit and Compliance

July 24, 2017Dear *** ***:Thank you for providing an opportunity for NCB Management Services, Incto respond to your concernsIn a separate mailing, NCB will provide you debt validation documents which will include copies of the original contract, a financial transaction history, and of
correspondences sent regarding the loanThe correspondences will include a copy of the notice of intent to sell and the explanation of the calculation of deficiencyNCB Management Services, Increspectfully disagrees with the asserted violations contained in this complaint and stands by the accuracy of its reporting to the credit bureaus regarding this accountShould you have further questions, please call our SVP of Audit and Compliance at ###-###-####.Sincerely,Joseph KSVP of Audit and Compliance

August 25, 2014Dear *** ***,Thank you for submitting your concernsI have investigated the matter and would like to share the results with youPlease call me at ###-###-#### to discuss.This communication is from a debt collector, but it is not an attempt to collect a
debt.Sincerely,Daniel V. Senior Compliance Officer

August 9, 2016Dear *** ***:Thank you, *** *** for submitting your concernsNCB received your correspondence requesting validation on June 21, Upon receipt of your request, and in accordance with FDCPA guidelines, NCB immediately ceased collection efforts until such time as the
request for validation is fulfilledIn addition, following FCRA mandates, NCB Management reported the disputed status of the account to the Credit BureausWe soon will be forwarding to you the appropriate documents of validationShould you have any questions, please contact our SVP of Audit and Compliance at ###-###-####, ext***.Sincerely,Joseph K.SVP of Audit and Compliance

[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,
*** ***

December 21, 2016Dear *** ***:Thank you for Submitting your concernsNCB Management Services, Incpurchased your *** account in September of We forwarded you our first correspondence on September 23, advising you of the purchaseThe letter also invited you to call or write us
regarding validation of the debtOn November 16, you telephoned our office and spoke to one of our representativesAt that time, you advised our representative that you had satisfied the debt and would call him back with further details.A few weeks later on December 2, 2016, we received correspondence from you stating that you were disputing the balance that was reflected on your credit report as well as the open dateThe Credit Reporting Resource Guide, states that accounts that have been purchased from another company should report the date the account was purchased as the “Date OpenedFollowing this guidance, NCB report the “Date Opened as September 21, 2016.In your correspondence we found no documentation supporting the assertion that the debt had been satisfied as indicated in the conversation you had with our representativeOn December 9, we mailed to you debt validation documents which included a financial transaction history which confirmed the balance that was reported.NCB would be happy to review any relevant documentation you can forward to us to investigate furtherAt this time we stand by the accuracy of our reportingWe respectfully disagree with your characterization of NCB as rude and or meanShould you have any questions, please contact our VP of Audit and Compliance at *** **, ext***.Sincerely,Joseph KSVP of Audit and Compliance

Thank you, Ms*** for submitting your concernsWe understand that you may not have recognized this accountAs stated to you in our letter of October 7, 2015, NCB purchased your account from *** *** USA IncThis was an account used for the purchase of a *** *** ***
Although you did not originally enter into a contract with NCB, the remaining balance is due to NCB as a result of *** *** USA Incselling your account to NCB and assigning their rights to NCBThis transaction was also communicated to you in a letter dated October 2, sent to you by *** *** USA Inc.The appropriate debt validation documentation was forwarded to you on March 23, We will send another copy of this debt validationWe will also include a copy of the notice to sell the property dated March 11, 2013, the letter explaining the calculation of the deficiency balance dated April 21, 2013, our October 7, letter mentioned in the above paragraph, and the *** letter dated October 2, also mentioned in the above paragraph, as well as a history of all financial transactions.NCB Management Services, Incis licensed in the state of IllinoisOur agency license number is ***Please be advised that regulations do not prohibit credit reporting on this type account that happens to be out of statuteShould you have further concerns, please contact our SVP of Audit and Compliance at ###-###-####, ext1235.Sincerely, Joseph K*** SVP of Audit and ComplianceNCB Management Services, Inc

June 15, 2015Thank you for submitting your concernsUnfortunately, we are unable accept payment of your account via credit card over the phone or via our payment portalOur agent misspoke concerning the ability to accept a credit card payment over the internet and we apologize for thatWe are
able to accept payment over the phone from your checking account via an ACH payment at no charge to you or we can accept a personal checkIf you are able to make a payment from your checking account over the phone, we will be glad to assist you in making Sure your account gets resolvedWe apologize for any inconvenience.Sincerely,Andrew BGeneral Counsel and Chief Compliance Officer

May 10, 2016Dear *** ***,Thank you for submitting your concerns; we take concerns like yours very seriously, and we have conducted an investigation of your accountYou may not have recognized this as your *** Line of Credit, which was opened on or around June The account was charged
off on or around January 2016, and NCB Management Services, Incpurchased the account on or around March This is the first request for Validation of Debt that we have received from youPer your request, we will send you the account documentation to validate the debtPlease be assured that until such documentation has been provided, no further collection attempts will be made and no further calls will be placed from our officeShould you have any further questions, please contact our VP of Audit and Compliance at ***, ext***.Sincerely,Lesley BVP of Audit and Compliance

April 20, 2017Dear *** ***:Thank you for submitting your concerns and allowing us the opportunity to respond to themNCB Management Services, Inctakes concerns such as yours seriously and has investigated the matterSince NCB purchased your account from Republic Bank & Trust in October
of 2016, we do not find a request from you for validation of debt documents prior to this communicationWe will forward these documents, including a financial transaction history to you in a separate mailing.NCB respectfully disagrees with the characterization of our techniques as abusiveThe messages left were in accordance with regulationsOur communication with your husband was in accordance with the Fair Debt Collection Practice Act as it defines “consumer' to include the consumers spouse, parent (if the consumer is a minor), guardian, executor, or administrator.This request to cease calls to your place of employment is the first such request from you that we have receivedNCB Management Services, Inchas removed all telephone numbers associated with your account from our systemWe will not make any further attempts to contact you by telephoneShould you have further questions, please call our SVP of Audit and Compliance at 800-828-ext1235.Sincerely, Joseph KSVP of Audit and Compliance

[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,
*** ***

August 7, 2017Dear *** ***:NCB Management Services, Incpurchased your account in August from *** *** * *** **as stated in our letter to you on August 24, On October 18, we provided validation of debt documents as requestedOn October 28, 2106, an agreement to settle
this account was reachedThe arrangement calls for a series of payments to be made in specific amounts concluding in September of Upon completion of this agreement, NCB will request an update to its trade line to reflect a status of settledAt no time did we enter into an agreement to delete our trade line regarding this matterShould you have any further concerns, please have your counsel contact us as I understand you are representedOur SVP of Audit and Compliance can be reached at ###-###-####, ext***.Sincerely,Joseph KSVP of Audit and Compliance

April 18, 2017Dear *** ***:We would like to thank you, *** *** for submitting your concernsNCB Management Services, Incpurchased the referenced account from *** *** of North Dakota, LLC d/b/a Rise in February of This was communicated in our letter dated February 23,
This letter served as a validation of debt notice and as our intent to report the account to the credit bureausWe will forward a copy of this letter in a separate mailingShould you have further questions, please call our SVP of Audit and Compliance at *** *** ext***.Sincerely,Joseph K.SVP of Audit and Compliance

Thank you, Mr*** for submitting your concernsNCB purchased your account from *** Consumer USA Incin March of Since that time we have sent letters addressed to you at the address of record, *** *** *** Gadsden, AL Our letter of validation was sent on March 29,
We have not had any of this correspondence returned to usCopies of these letters along with validation documents will soon be forwarded to you at the *** *** Drive addressWithin FCRA guidelines, information regarding this account was sent to the Credit Bureaus in May of Should you have any questions, please contact our SVP of Audit and Compliance at ###-###-####, ext1235.Sincerely,Joseph K*** SVP of Audit and Compliance NCB Management Services, Inc

Thank you for providing an opportunity for NCB Management Services, Incto respond to your concernsOn July 1, 2016, we mailed our initial validation letter to the address of record at the time, *** *** *** *** *** ** *** While this letter has not been returned to us, it may not
have been received as your current address is differentAfter review of your file, NCB will request deletion of NCB’s trade line from your credit report with all of the credit bureaus that NCB currently reports your account toWe will forward you a letter confirmation of this action shortly after its completionShould you have further questions, please call our SVP of Audit and Compliance at *** *** ***Thank you,

[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 any validation of debt I do not have a contract with NCB and I am not obligated to pay them anything
Regards,
*** ***

October 14, 2014Dear *** ***,We wish to thank you for sharing your concerns with us, as we encourage our customers to do soAs per your request we have removed all telephone numbers to contact you from our system,and have marked our system that you wish to receive no more
telephone callsWe have also as you requested mailed you a letter to the address you have provided.Should you have any further concerns, please contact me directly at ###-###-####.This communication is from a debt collector, but it is not an attempt to collect a debt.Sincerely,
Daniel V
Senior 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 meOnly if this case will not end up on my credit report and no legal or debt collectors will ever contact me again.This account is over + years old and it is a violation of the SOL and ect
Regards,
*** ***

May 6, Dear *** ***,We would like to thank you for sharing your concerns with us, as we encourage customers to share their feedbackWe have reviewed your concerns and removed the telephone number *** *** from our system and you should not receive any further calls in
connection with this matterWe apologize for any inconvenience this may have causedShould you have any further concerns, please contact me at ###-###-####.This letter is from a debt collector but is not an attempt to collect a debt.Sincerely,Senior Compliance Officer

October 16, 2017Dear *** ***:Thank you for providing an opportunity for NCB Management Services, Incto respond to your concernsWe understand that you may not have recognized this accountThis account was an auto loan, originating with *** *** *** on April 27, for the purchase
of a *** ***NCB Management Services, Incpurchased this account from *** on September 29, A letter regarding the purchase of the account was sent by NCB to your address on October 7, 2015.As a result of *** selling your account to NCB, they assigned their rights regarding this account to NCB, including credit reportingThis is the first communication we have had from you disputing the validity of the debtWe will update our reporting to credit bureaus to reflect a disputeIn a separate mailing, we will provide to you debt validation documents which will include a financial transaction historyShould you have further questions, please call our Chief Compliance Officer at ###-###-####.Sincerely,Joseph KChief Compliance Officer