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 response. If no reason is received your complaint will be closed as Answered]
 Complaint: [redacted]
I am rejecting this response because: the statement is a lie. William Y[redacted]  called and spoke to me, two more times, at my place of business.  He also called multiple times when I was not available. The Nursing Supervisors received these calls and reported them to my boss; I could have lost my job. The last time he called is the day I filled the complaint. I did tell him I planned to file a complaint while speaking to him on the phone in the Emergency Room at [redacted]. I want a written letter of admission of at least the 3 calls that I spoke to him. I also want written notification of any funds they believed are owed to them. This business has confidential person information regarding me and my financial institution. You can not trust a business that will lie in a response to the Revdex.com. I am appalled! 
Regards,
[redacted]

In June 2015 I took out an internet installment loan from [redacted].Com in the amount of $2475. I made several payments to them before finding out that this type of loan is illegal in my state (Virginia) as it was originated online. I contacted [redacted].Com and offered to pay what I received minus interest as the loan was illegal. [redacted] advised that they would no longer pursue collection on the loan. Fast forward to May 2016 the loan was charged off and purchased by NCB Management. [redacted] has never contacted me for any payments or reported any information regarding the loan on my credit report. In May 2016 NCB Management reported an outstanding debt of $2900 on my credit report on all 3 credit bureaus. I contacted the Revdex.com and advised that I had no knowledge of this account from NCB and requested that they validate the debt. NCB responded that it was an account from [redacted].com. I contacted NCB by phone directly to see what needs to be done to remedy this issue. They advised that I needed to pay $2900 (principal plus interest) to remedy this. They have also continuously called me at home, work and my personal cell phone in an attempt to collect this debt. I advised that this loan was illegal in my state but that I would attempt to resolve it after looking into this further. The representative has continued to contact me at work yelling at me that I owe this money because I took the loan. I am now reaching out to Consumer Finance to see what options I have to resolve this. I am requesting that this account from NCB Management be removed from my credit report as it is from a debt that is illegal in my state that I attempted to rectify with the original creditor.TranslateDesired Resolution / OutcomeDesired Resolution: Correction to a credit reportDesired Outcome: I would first like this account deleted from all 3 credit bureaus as I attempted to remedy this account with the original credit who advised since the account was illegal they would no longer pursue collection. Second, I would like to know why I have not received any validation regarding this account and confirmation that it is enforceable even though internet installment loans are illegal in VA.

March 8, 2017Dear [redacted]:Thank you, Ms. Rains for submitting your concerns. Unfortunately, without any new information we are still unable to identify the concerns you are referencing. Please call our SVP of Audit and Compliance at [redacted] ext. [redacted].Sincerely,Joseph K[redacted] SVP Audit and Compliance

November 21, 2014Dear [redacted],We appreciate you sharing your concerns with us as we encourage our customers to do so. We are investigating your concerns and will provide you with a written response. In 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

January 29, 2016Thank you for submitting your concerns. We 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 request. We have closed the account in our office and returned it...

to the original creditor. NCB Management Services, Inc. is not reporting on your credit bureau report.Should you have any questions, please contact our VP of Audit and Compliance at [redacted], ext. [redacted].
Sincerely,
Lesley B.
VP 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 Administratively Resolved]
 Complaint: [redacted]
I am rejecting this response because: I have received no documentation from them about an account I supposedly have with them. I've also not heard of the companies in question regarding their response.
Regards,
[redacted]

August 20, 2014Dear [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 have any further...

questions or additional concerns please contact me at ###-###-####.This letter is from a debt collector but is not an attempt to collect a debt.Sincerely,Daniel V[redacted] Senior Compliance

September 29, 2017Dear [redacted]:Thank you for submitting your concerns and providing us an opportunity to respond. As stated to you in our letter of December 29, 2015, NCB purchased your account from [redacted]. As a result of [redacted]. selling your account to NCB,...

they assigned their rights regarding this account to NCB, including credit reporting. NCB respectfully disagrees with assertion that you are no longer liable for the account. When a creditor "charges off” a debt it does not relieve the customer of the amount owed. NCB by the accuracy of our credit bureau reporting regarding this account. Should you have any further concerns, please contact our Chief Compliance Officer at ###-###-####, ext. [redacted].Sincerely, Joseph K., Chief Compliance Office

August 05, 2014Dear [redacted],We wish to thank [redacted] for sharing his concerns as we encourage our customers to do so. As per his request we have taken the necessary steps to ensure he will not be contacted by our office again in connection with this matter. Should he...

have any further questions or additional concerns please contact me at ###-###-#### x[redacted].This letter is from a debt collector but is not an attempt to collect a debt.Sincerely,Daniel V

October 10, 2016Dear [redacted]:Thank you for submitting your concerns. NCB Management Services, Inc. purchased your account from [redacted] in April of 2016. On April 22, 2016 NCB mailed you a letter stating such and inviting you to call our office. You may recognize this...

account as a consumer loan issued under the name "[redacted]'. As a result of this sale, [redacted] assigned their rights to NCB which would include credit reporting. We have mailed you other correspondence regarding settlement of the account at a reduced amount and would welcome the opportunity to discuss options with you. Should you have any questions, please contact our SVP of Audit and Compliance at ###-###-####, ext. [redacted].Sincerely,Joseph K. SVP of Audit and Compliance

December 14, 2015Thank you for submitting your concerns. We take concerns like yours very seriously and we have investigated your account.This is the first request we have received to remove your work number from our system. Per your request, we have removed your work phone...

number from our system, and you will not receive any further calls from our office at this number.Should you have any further questions, please contact our VP of Audit and Compliance at [redacted], ext. [redacted].
Sincerely,
Lesley B.
VP of Audit and Compliance

April 28, 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 also forwarded them to our client. 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,Senior Compliance Officer

NCB Management Services, Inc. continues to stand by the accuracy of the credit reporting on this account. If you have new information or would like to discuss the matter further, please call our SVP of Audit and Compliance at ###-###-####, ext. 1235.Sincerely,Joseph K[redacted] SVP of Audit and Compliance NCB Management Services, Inc. ###-###-####, ext. 1235

[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 Administratively Resolved]
 Complaint: [redacted]
I am rejecting this response because: all that was sent was...

acknowledgements that 10 people were trained on NCB procedures on 5/19.  The complaint was not addressed
Regards,
[redacted]

March 9, 2017Dear [redacted]:Thank you for submitting your concerns and allowing us an opportunity to respond. On February 28, 2017, [redacted] placed your account with our office to be serviced. Our initial letter was mailed to your address on March 2, 2017. Please be advised that...

today, upon receipt of your request, we have removed the telephone numbers associated with this account from our system. We have not and will not make further attempts to contact you by telephone or any other means. Should you have further questions, please call our SVP of Audit and Compliance at ###-###-####.Sincerely,Joseph K.SVP of Audit and Compliance NCB Management Services, Inc

July 11,2017Dear [redacted]:Thank you for submitting your concerns and allowing us the opportunity to respond to them. NCB Management Services, Inc. purchased the referenced account from [redacted] in December of 2015. The balance remaining on the account is a deficiency balance, meaning...

the balance owed on the account after all payments received from all sources were applied. This would include payments made from the insurance provider for the vehicle. Included in the documents NCB sent you in April of 2017 was a complete transactional history and a copy of a letter from Santander to you dated March 17, 2013. This letter indicated that the insurance payment received did not pay-off the account. NCB has since sent you an additional copy of these items. 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

October 5, 2017Dear [redacted]:Thank you for providing an opportunity for NCB Management Services, Inc. to respond to your concerns. A review of our records shows that this is the first request we have received from you either in writing or verbally to cease telephone calls to your place of...

employment. We have removed from our system the telephone numbers associated with your place of employment and will not make further efforts to contact you. Should you have any further questions, please contact our Chief Compliance Officer at [redacted], ext. [redacted].Sincerely,Joseph K. Chief Compliance Officer

February 24, 2017RE: Complaint Number [redacted]Dear [redacted]:Thank you, [redacted] for submitting your concerns. Based on the information provided we are unable to identify the account or communications you are referencing. We are anxious to look into the matter further but need additional...

information. Please call or SVP of Audit and Compliance at [redacted] ext. [redacted]. We look forward to being able to assist you further.Sincerely,Joseph K[redacted] SVP of Audit and Compliance

March 30, 2017Dear [redacted]:Thank you for submitting your concerns. On February 6, 2017, NCB Management Services, Inc. mailed validation of debt documents and a financial transaction history to your address. We respectfully disagree that validation of debt requirements were not met or that...

they were not met in a timely manner. In addition, NCB stands by the accuracy of the information reported to credit bureaus. Should you have further questions, please call our SVP of Audit and Compliance at ###-###-####.Sincerely,Joseph K.SVP of Audit and Compliance

December 04, 2014Dear [redacted],We are in receipt of your correspondence dated 12/2/14 and we appreciate you sharing your concerns with us, as we encourage our customers to do so. As per your request you will receive no further telephone calls from our office. In 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