NCB Management Services, Inc.

April 11, 2017Dear *** ***:We would like to thank you, *** *** for submitting your concernsNCB Management Services, Incpurchased the referenced account from *** *** *** in October of This was communicated in our letter dated October 7, This letter also provided
notice of our intent to report your account to the credit bureausAlthough you did not originally enter into a contract with NCB, the remaining balance is due to NCB as a result of *** *** *** selling your account to NCB and assigning their rights to NCB.This account was an auto loan, originating with *** *** *** on or around February 11, for the purchase of a *** ***NCB will forward validation of debt documents in a separate mailingThis mailing will include the original contract, a complete financial transaction history, and a copy of the letter referred to aboveNCB stands by the accuracy of its credit bureau reporting regarding this accountShould you have any further concerns, please contact our SVP of Audit and Compliance at *** **, ext***.Sincerely,Joseph K.SVP of Audit and Compliance

August 25, Dear *** ***,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

May 31, 2017Dear *** ***:Thank you for providing an opportunity for NCB Management Services, Incto respond to your concernsWe have completed a review of the matterOur records indicate that at no time did any one of our representatives state to you that we would have the *** trade
line deletedYou discussed trade line deletion on different dates prior to completing the settlement on your accountIn those conversations, neither you nor any of our representatives specifically mentioned the trade line of *** being deleted.In addition, our letter to you dated August 1, 2016, clearly states that we would request the deletion of NCB’s trade line after completion of the terms of the settlementThere is not mention in our letter of any other trade line other than our ownNCB Management Services, Incdoes not have the authority to delete the trade line of another creditor and would therefore not promise such an actionLastly, the email to Sarah that you refer to was received on April 20, 2017, twenty days after the settlement was completedThere hasn't been any confirmation, either before or after payment, that any other trade line outside that of NCB’s would be deletedShould you have further questions, please call our SVP of Audit and Compliance at *** ext***.Sincerely, Joseph KSVP of Audit and Compliance

October 10, 2017Dear *** ***:Thank you for submitting your concerns and allowing us the opportunity to respond to themNCB Management Services, Incpurchased the referenced account from *** *** *** *** *** on August 22, We respectfully disagree with the characterization of
our efforts as harassing as well as your assertion that we have telephoned over times per dayOur records do not reflect any such occasionThe number of call attempts made have been reasonable, at times permitted under applicable law, and are in accordance with NCB policyWhile we are not always able to come to an agreement with each customer, our representatives are trained to be professional from the start of the call to the finishNCB Management Services, Incwill not make any further efforts to contact you by telephone regarding this matterShould you have any further concerns, please contact our Chief Compliance Officer at ###-###-####, ext***.Sincerely,Joseph KChief Compliance Officer

May 10, 2017Dear *** ***:Thank you for submitting your concernsNCB Management Services, Incpurchased the referenced account from *** *** *** ***in September of This was communicated in our letter dated October 7, This account was an auto loan, originating with ***
*** *** ***on or around January 23, 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 *** *** *** ***selling your account to NCB and assigning their rights to NCB, including credit reporting.In a separate mailing, we will again forward to you validation of debt documents which includes the original contract with your signature and a financial transaction historyIt will also include a copy of the letter sent to you by *** indicating they were selling this account to NCBLastly, it will include documentation of the sale of the account to NCBYour signature is not required for this transactionShould you have further questions, please call our SVP of Audit and Compliance at ###-###-####.Sincerely, Joseph KSVP of Audit and Compliance

Thank you for providing an opportunity for NCB Management Services, Incto respond to your concernsWe understand that you may not have recognized this accountNCB Management Services, Incpurchased your *** *** *** account on June 30, as stated in our letter to you on July 1,
This loan originated on October 8, 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 were mailed to you on August 3, and included 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 SVP of Audit and Compliance at *** *** ***Sincerely, - Jaspa K*** *** *** *** ** *** *** ***
*** *** *** *** *** *** *** Thank you,

December 04, 2014Dear *** ***,We are in receipt of your correspondence dated 12/2/and we appreciate you sharing your concerns with us, as we encourage our customers to do soAs per your request you will receive no further telephone calls from our officeIn the event you have
any further questions or concerns you may contact our Senior Compliance Officer 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

April 19, 2016Dear *** ***,Thank you for submitting your concernsWe take concerns like yours very seriously, and we have investigated your accountYou may not have recognized this as your *** *** *** account that originated on or around June The account was charged off on or
around June 2012, and was purchased by NCB Management Services, Incon or around October We will send account documentation to the address we have on file for youShould you have any further questions, please contact our VP of Audit and Compliance at ###-###-####, ext***.Sincerely,Lesley BVP 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,
*** ***

Thank you for submitting your concerns; we take concerns like yours very seriouslyThis is the first request NCB Management Services, Inchas received to cease telephone calls to your place of employmentWe removed from our system the telephone numbers associated with your place of employment
NCB respectfully disagrees with the characterization of our actions as harassingNCB Management Services, Inchas not and will not make any further attempts to contact you by telephone a your place of employmentShould you have any further concerns, please contact our SVP of Audit and Compliance at *** *** ***.Sincerely, Joseph K*** - SVP of Audit and Compliance NCB Management Services, Inc*** *** ***

July 15, 2015Thank you for submitting your concernsWe were attempting to locate another individualPlease be assured that your cell phone number was been restricted from receivingfurther calls from our officeShould you have any additional concerns, please contact me at ###-###-####, ext
***.Sincerely,Lesley B.VP of Audit and Compliance

Please see attached response. September 27, 2017Thank you for submitting your concerns and allowing us the opportunity to respond to them.NCB Management Services, Incpurchased the referenced account from *** *** on December 16, This account was an auto loan, originating
with *** *** on February 27, for the purchase of a *** * ***Our records indicate this is the ?rst direct communication we have received from you regardingthis matterNCB has no record of a telephone call with youNCB Management Services, Inc.will forward you validation of debt documents and other documents related to the accountWehave responded to several inquiries concerning disputes you had made with the credit bureausconcerning the matterNCB continues to stand by the accuracy of its credit bureau reporting.Other than the validation documents, NCB Management Services, Incwill make no furtherattempts to contact youShould you have any further concerns, please contact our ChiefCompliance Of?cer at *** *** ***Sincerely,*** ***Thank you,

July 7, 2017Dear *** ***:Thank you for submitting your concerns and allowing us the opportunity to respond to themOn April 20, NCB Management sent validation documents to the address of record on the account, *** ** *** *** *** Ste*** in Arlington, TX ***Today, in a separate
mailing we have sent those documents to *** *** *** ** Redding, CA ***Should you have any further concerns, please contact our SVP of Audit and Compliance at ###-###-####, ext***.Sincerely,Joseph K

06/27/
FDCPA STATES:
The FDCPA entitles you as a consumer to validate a debt when a collection agency demands money from youIf a collection agency can’t validate the debt, the credit bureau cannot list it as a negative mark on your credit reportWhen you get your debt validated, you request the collection agency to prove it has the legal right to collect the money
It also confirms that you agreed to pay the debt, and the amount of the debt is accurateAny debt collection agency that refuses to follow these steps can be reported to both state and federal officials for violating the law
I the consumer have asked you (NCB Management Services, Inc.) for VALIDATION several timesI have respectfully asked for a contract between NCB Management Services, Incand myself showing my signature and you as a representative of NCB Management Services, Incand NCB Management Services, Incitself have failed to validateNCB Management Services, Incseems to have a hard time responding to what is actually requested or demanded of your companyNCB Management Services, Incneeds to produce the foundational documentation proving that I owe NCB Management Services, IncmoneyIf you are going to attempt to validate the debt you say I owe to your company, you need to send me a copy of a contract between NCB Management Services, IncI am also entitled to know how much you paid for this alleged account (Bill of Sale), the price you paid to purchase my information to create this account, which you did without my knowledge, without my consent, without a contract or agreement allowing you to subrogate on my behalfWhat you did is commit fraud against me and perpetrated identity theft against meNCB Management Services, Inchas NO LEGAL RIGHTS as a creditor against me according to the Doctrine of Subrogation
This is my final demandI RESPECTFULLY DEMAND A CONTRACT BETWEEN NCB Management Services, IncAND MYSELF SHOWING MY SIGNATUREIf that is not provided to me NCB Management Services, Incmust delete themselves from my credit reports
Also, please provide the name and address of the bonding agent for NCB Management Services, IncIn case legal action becomes necessaryThis request is for validation made pursuant to the FAIR DEBT COLLECTION PRACTICES ACT
Best Regards,
Rena Jackson
Cc: Federal Trade Commission

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

[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 was told that a letter was sent to my current address before being placed on my credit which was not trueNo need to respond back or send anything to me
Regards,
*** ***

NCB called other people to get in contact with meLeft messages on my phone to call them without identifying who they were or what the call was regardingThey sent letters to me indicating they owned a debt and the first one said I owed them 4,The second notice said Iowed them 1,They have also reported this debt to the credit bureauWhen I contacted them to determine the validity of the debt hey were more interested in having me set up a payment arrangement and provide hem with a credit or debit card to set up the arrangement.TranslateDesired Resolution / OutcomeDesired Resolution: Correction to a credit reportCorrection to a credit reportselectDesired Outcome: Stop contacting others regarding this debt, remove he negative entry from my credit report and show a contract and or verification that I owe them money

Thank you for submitting your concerns; we take concerns like yours very seriously Although we believe we have complied with all applicable laws NCB Management Services, Inchas requested its trade line be deleted with all credit bureaus that we reported your account to NCB will be
forwarding debt validation documents to you in a separate mailing Should you have further questions, please call our SVP of Audit and Compliance at ###-###-####.Sincerely,Joseph K***SVP of Audit and ComplianceNCB Management Services, Inc

October 2, 2014Dear *** ***,We are in receipt of your correspondence and wish to thank you for sharing your concerns, as we encourage our customers to do soAs per your request we have removed all of your telephone numbers from our system and you will only receive future
communications via mailShould you have any further concerns or questions you may contact our Senior Compliance Officer Daniel V*** 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 ***I will have my attorney review the validity of the documentsAs I was skimming through the documents, I noticed the date of first delinquency according to those documents differ greatly from the dates you have generated to the CRAsI would hate to have to accuse your company of "re-aging" a debtPlease research and updateAs far as the Revdex.com complaint goes, I asked for documents and you have finally provided themFor that reason ONLY, I have decided to mark this complaint as acceptedAlso, as previously requested, all communication between NCB and I shall be done in writing only.
Regards,
*** ***