NCB Management Services, Inc.

We would like to thank you for sharing your concerns as we encourage our customers to do soAs you have requested, we have taken the necessary steps to ensure that you will receive no further calls from our officeWe have also requested the items that you requested in your letter and will forward
them to you as soon as possibleIn 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.Senior Compliance Officer ###-###-#### ***

June 16, 2017Dear [redacted]:Thank you for providing an opportunity for NCB Management Services, Inc. to respond to your concerns. We understand that you may not have recognized this account. This account was an auto loan, originating with [redacted] on or around May 11, 2011 for the...

purchase of a 2006 [redacted]. NCB Management Services, Inc. purchased this account from [redacted] in March of 2016. A letter regarding the purchase of the account was sent by NCB to your address on March 29, 2016.As a result of [redacted] selling your account to NCB, they assigned their rights regarding this account to NCB. This is the first communication we have had from you disputing the validity of the debt. In a separate mailing, we will provide to you debt validation documents which will include a financial transaction history. Should you have further questions, please call our SVP of Audit and Compliance at ###-###-####.Sincerely,Joseph K.SVP of Audit and Compliance

October 13, 2017Dear [redacted]:Thank you for bringing your continued concerns to our attention and allowing us the opportunity to respond. NCB Management Services, Inc. has reviewed the circumstances of this account. It is our position that the proper procedures were and have been followed with respect to the required documentation. Another copy of these documents is being sent to you by mail. NCB respectfully disagrees with your assertion that we have re aged this account. The date of first delinquency on your account was January 17, 2015. There has been no change to the reporting of the date of first delinquency regarding this account. Should you have any further concerns, please contact our Chief Compliance Officer at ###-###-####, ext. [redacted].Sincerely,Joseph K.Chief Compliance Officer

Thank you for providing an opportunity for NCB Management Services, Inc. to respond to your concerns. We understand that you may not have recognized this account. This account was an auto loan, originating with [redacted] on or around November 6, 2012 for the purchase of a [redacted]...

[redacted]. NCB Management Services, Inc. purchased this account from [redacted] in September of 2016. A letter regarding the purchase of the account was sent by NCB to your address on September 23, 2016.In a separate mailing, NCB will forward you a copy of a letter sent to you by [redacted]. advising you they sold the account to NCB. As a result of [redacted] selling your account to NCB, they assigned their rights regarding this account to NCB, including credit reporting. We will provide to you debt validation documents which will include a financial transaction history. An investigation and response to the notice of dispute with the credit bureaus has been completed. NCB stands by the accuracy of its reporting to credit bureaus regarding this account. Should you have further questions, please call our [redacted]?oseph K[redacted]

August 3, 2016Dear [redacted]:Thank you for submitting your concerns; we take concerns like yours very seriously. NCB Management Services, Inc. purchased your [redacted] account in December 2015. We first reported to [redacted] in February of 2016. The 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 Opened'. Following this guidance, NCB report the "Date Opened' as December 2015. Should you have any questions, please contact our VP of Audit and Compliance at [redacted] ext. [redacted].Sincerely,Joseph KSVP of Audit and Compliance

Thank you for providing an opportunity for NCB Management Services, Inc. to respond to your concerns. We understand that you may not have recognized this account. NCB Management Services, Inc. purchased your [redacted] on June 30, 2016 as stated in our letter to you on July 1, 2016....

This loan originated on October 8, 2008 for the purchase of a [redacted]In June of 2017, NCB Management responded to the credit bureaus regarding the dispute you filed with them. This correspondence is the first communication we have from you requesting verification of the debt. These documents were mailed to you on August 3, 2017 and included a copy of the contract with your signature, the letter explaining the deficiency balance, and a financial transaction history. Should you have further questions, please call our SVP of Audit and Compliance at [redacted]Thank you,

We appreciate you sharing your concerns as we encourage our customers to do so.  As per your request at this time we have ceased collection efforts and forwarded this matter back to our client for handling.  You will also receive a letter from our office advising you of this which will...

include our clients contact information.  If you have any additional questions or concerns please contact our Senior Compliance Officer directly at ###-###-#### x ####.Sincerely,
Daniel Venditti
Senior Compliance Officer

May 25, 2017Dear [redacted]:Thank you for providing an opportunity for NCB Management Services, Inc. to respond to your concerns. We are not familiar with the response to the CFPB from [redacted] that you mention in your correspondence. It is our position that it doesn’t have any bearing on the validity of the debt purchased by and owed to NCB Management Services, Inc. We respectfully disagree with your assertion that NCB is in violation of any part of the FDCPA or FCRA. Validation of debt documents and more have been provided in a timely manner as you have requested. NCB also investigated and responded to your dispute to the credit bureaus in September, October, and November of 2016 as well as January 2017. NCB stands by accuracy of its credit bureau reporting and compliance with all applicable regulations. Should you have further questions, please call our SVP of Audit and Compliance at ###-###-####.Sincerely,Joseph K. SVP of Audit and Compliance

July 7, 2017Dear [redacted]:Thank you for submitting your concerns and allowing us the opportunity to respond to them.We have notified the original creditor of your dispute and claim of fraud for this account. NCB Management Services, Inc. has requested its trade line be deleted with all credit...

bureaus that we had previously reported your account. Please be assured you will receive no further contact from our office. Should you have any further concerns, please contact our SVP of Audit and Compliance at ###-###-####, ext. [redacted].Sincerely,Joseph K.SVP of Audit and Compliance

Please see the attached.

December 13, 2016Dear [redacted]:Thank you, [redacted] for submitting your concerns. NCB Management Services, Inc. mailed to you on March 29, 2016 a letter which contained notice of credit bureau reporting and the mini miranda. A copy of this letter will be sent to you in a separate mailing. Our first...

reporting to credit bureaus came on May 13, 2016. Should you have further questions, please call our SVP of Audit and Compliance at [redacted] ext. [redacted].Sincerely,Joseph K.SVP of Audit and Compliance

October 7, 2016Dear [redacted]:Thank you, [redacted] for submitting your concerns. NCB Management Services, Inc. purchased your account from Diverse Funding in August of 2015. NCB mailed you a letter stating such on August 6, 2015. We have requested the original application and statements...

regarding this account from Diverse and will forward them to you upon receipt along with a copy of our August 6th letter.NCB acted within its rights to attempt to collect the debt. At no time did NCB or any agent acting on our behalf state or imply otherwise that legal action would be taken regarding this account. With that having been said, we have placed your account in a cease and desist status and will not attempt to contact you further by telephone, mail, or in any other manner. Should you have any questions, please contact our SVP of Audit and Compliance at ###-###-####, ext. [redacted].Sincerely,Joseph K.SVP of Audit and Compliance

[To assist us in bringing this matter to a close, you must give us a reason why you are rejecting the response. If no reason is received your complaint will be closed as Answered]
 Complaint: [redacted]
I am rejecting this response because: I did not sign any agreement authorizing or agreeing that [redacted] can sell or share my personal information. They will need to provide me information in detail that I shows my signature that I agreed to or authorize my personal information be sold to a third party for their use. I do not have a direct agreement with this company and they have clearly stated they are not collecting on behalf of [redacted] but on their behalf with I do not have an agreement. If they cannot furnish this information I am requesting this information be deleted off my credit report. Or I will be forced to take legal action against this company for using my personal information inappropriately.
Regards,
[redacted]

July 10, 2015We are in receipt of your correspondence from 7/1/15, and would like to thank you for sharing your concerns. We take concerns like yours very seriously and we have reviewed your account. On 6/29/15, we received your request to cancel your $50 payment, which was scheduled for the...

following day. We mistakenly processed your $50 payment on 6/30/15, and we apologize for our error. This was immediately escalated and we contacted you via telephone to inform you that we would take all Steps necessary to resolve your concerns and reimburse any fees assessed by your bank. We thank you for the opportunity to correct our mistake, and are grateful that you are Satisfied with the manner in which we handled your concerns. Should you have any further questions, please do not hesitate to contact me directly at ###-###-####.Sincerely,Lesley B

We are in receipt of your correspondence dated 6/22/15 and would like to thank you for sharing your concerns with us. We take concerns like yours seriously and we have reviewed the account. On 6/22/15, a representative from our office contacted you in an attempt to reach another party. We...

respectfully disagree that any prize was offered. In the event you have any further questions or concerns, you may contact me directly at ###-###-####.Sincerely, Lesley B[redacted]VP of Audit and Compliance ###-###-####

July 10, 2015We are in receipt of your correspondence from 7/1/15, and would like to thank you for sharing your concerns. We take concerns like yours very seriously and we have reviewed your account. On 6/29/15, we received your request to cancel your $50 payment, which was scheduled for...

the following day. We mistakenly processed your $50 payment on 6/30/15, and we apologize for our error. This was immediately escalated and we contacted you via telephone to inform you that we would take all Steps necessary to resolve your concerns and reimburse any fees assessed by your bank. We thank you for the opportunity to correct our mistake, and are grateful that you are Satisfied with the manner in which we handled your concerns. Should you have any further questions, please do not hesitate to contact me directly at ###-###-####.Sincerely,Lesley B

Thank you for submitting your concerns; we take concerns like yours very seriously. NCB Management Services, Inc. reviewed its files and finds no record or documentation of a dispute regarding the validity of the debt being received until your correspondence on December 6, 2016. NCB will forward...

validation documents which will include among other items copies of the original contract and the account’s financial transaction history.NCB Management Services, Inc. respectfully disagrees with the characterization of our efforts to contact you as harassing or threatening. NCB Management Services, Inc. removed from its system the telephone numbers associated with you. NCB Management Services, Inc. will not make any further attempts to contact you by telephone. Should you have further questions, please call our SVP of Audit and Compliance at ###-###-####.Sincerely,Joseph K[redacted] SVP of Audit and Compliance NCB Management Services, Inc.

June 11, 2014
Dear [redacted]We thank you for bringing this to our attention as we encourage customers to share their concerns, and thank you for the feedback. The phone number that you have received calls at hasbeen removed from our system and you should receive no further calls in...

connection with this matter. If you have any additional concerns please contact me directly at ###-###-####.This letter is from a debt collector but is not an attempt to collect a debt.Senior Compliance Officer

May 6, 2014
Dear [redacted],We would like to thank you for sharing your concerns with us, as we encourage customers to share their feedback. We have reviewed your concerns and removed the number provided. You should receive no further calls to that number. Should you wish to contact...

me directly, so that I may be able to assist you in getting any documentation you are requesting, please contact me at ###-###-####.This letter is from a debt collector but is not an attempt to collect a debt.Sincerely,

We appreciate you sharing your concerns as we encourage our customers to do so.  As per your request at this time we have ceased collection efforts and forwarded this matter back to our client for handling.  You will also receive a letter from our office advising you of this which will...

include our clients contact information.  If you have any additional questions or concerns please contact our Senior Compliance Officer directly at ###-###-#### x ####.Sincerely,Daniel VendittiSenior Compliance Officer