NCB Management Services, Inc.

April 11, 2017Dear [redacted]Thank you for submitting your concerns and providing us with an opportunity to respond. Please be advised that NCB Management Services, Inc. will be mailing you another copy of the validation of debt documents as well as an updated financial transaction history. This transaction history will reflect a transaction of $4,610.02 being charged back to your account. This payment was originally intended for another account and was therefore backed off your account. The gap insurance you had carried lapsed when the premium went unpaid. This adjustment brings the balance of your account to $7,176.85 as has been reported. Should you have further questions, please call our SVP of Audit and Compliance at [redacted] ext. [redacted].Sincerely,Joseph K[redacted] SVP of Audit and Compliance

September 28, 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 on December 16, 2016 from [redacted]. This account was an auto loan, originating with [redacted]...

[redacted]. on March 6, 2013 for the purchase of a 2010 [redacted]. In a separate mailing. NCB Management Services, Inc. will be sending you validation documents and a financial transaction history among other items. To further address the concerns of your correspondence, we will include copies of the Notice of Repossession, and Explanation of Calculation of Surplus or Deficiency letter that were previously sent to you by [redacted]. NCB stands by the accuracy of its reporting to credit bureaus 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 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 Transunion in February of 2016.  The Credit Reporting Resource Guide, states that accounts hat...

have been purchased from another company should report the date the account as purchased as the "Date Opened".  Following this guidance, NCB report the "Date Opened" as December 2015.  NCB is reporting the date of first delinquency as November 15, 2012.  Should you have any questions, please contact our VP of Audit and Compliance at ###-###-####, ext. 1235.Sincerely,Jim K[redacted]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 Administratively Resolved]
 Complaint: [redacted]
I am rejecting this response because: NCB's response was not a response at all. It was a request to call them. I should not have to call Daniel V[redacted] to discuss this matter. I submitted my complaint in writing and I want NCB's actual response in writing.
Regards,
[redacted]

I established a payment plan with a man named john last year and before I ever gave him my card number I made sure to ask about the deletion on BOTH NCB AND [redacted] from my credit. john reassured me that day and ever month when I called in to make a payment. my account was transferred to a woman when john left, she confirmed the agreement made between john and myself, then when she left and my account was given to another man I MADE SURE TO GO OVER THE AGREEMENT AND HE REASSURED ME THAT BOTH NCB AND [redacted] WOULD BE DELETED. I have several emails to ncb dating back last april requesting written confirmation and I get a response of the settlement letter saying I fulfilled my end and have paid it off, but [redacted] remains on my credit. our calls are all recorded from the date the arrangement was made to EVERY TIME I called in to make a payment so the convo can be heard where I clearly asked and was apparently lied to. I would like for NCB to honor their end and remove [redacted]. PLEASE REQUEST THE RECORDED CALLS. THIS IS FRAUD ON THEIR END TO GET ME TO PAY WHEN THEY PROMISED IT WOULD BE REMOVED, NOT JUST NCB BUT [redacted] TOO.TranslateDesired Resolution / OutcomeDesired Resolution: Correction to a credit reportCorrection to a credit reportselectDesired Outcome: I WOULD LIKE NCB TO HONOR WHAT THEY PROMISED OVER AND OVER AGAIN, EACH MONTH WHEN I HONORED MY END AND MADE THE PAYMENTS. I WANT [redacted] TO BE REMOVED AND NCB CAN MAKE IT HAPPEN BC THEY REASSURED ME NOT ONLY NCB WOULD BE REMOVED BUT THE ORIGINAL DEBT WOULD BE TOO AS I REQUESTED UPON SETTING UP PAYMENT ARRANGEMENTS.

June 3, 2016Dear [redacted],Thank you for submitting your concerns; we take concerns like yours very seriously, and we have conducted an investigation of your account. We have removed your phone number from our system. Please be assured that you will receive no more calls from our office. Should...

you have any further questions, please contact our VP of Audit and Compliance at ###-###-####, ext. [redacted].Sincerely,Lesley B. VP of Audit and Compliance

April 12, 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 in March of 2017 from Rise Credit of California as stated in our letter of March 23, 2017. We are forwarding to you...

in a separate mailing, validation of debt documents as well as a financial transaction history for this account. We have removed from our system all telephone numbers associated with your account. NCB Management Services, Inc. will not make any further attempts to reach you by telephone. Should you have further questions, please call our SVP of Audit and Compliance at ###-###-####.Sincerely,Joseph K. SVP of Audit and Compliance

June 27, 2017Dear [redacted]:NCB Management Services, Inc. respectfully disagrees with your assertions regarding the validity of the debt owed to NCB. We stand by our previous response. Should you have further questions, please call our SVP of Audit and Compliance at ###-###-####.Sincerely, Joseph KSVP of Audit and Compliance

March 21, 2016Dear [redacted],Thank you for submitting your concerns; we take concerns like yours very seriously, and we have investigated your account. On March 4, 2016, we received a money order for your account in the amount of $20.00. Since we closed and returned this account to our client two...

days earlier on March 2, 2016, we could not post your payment. The payment was sent to the client for them to post and credit to your account. Should you have any further questions, please contact [redacted] at ###-###-####.This communication is from a debt collector, but this is not an attempt to collect a debt.Sincerely,Lesley B.VP of Audit and Compliance

June 09, 2015[redacted],We have received your multiple complaints about this account. As we previously advised you, we received your original written dispute of this debt on April 21, 2015. We have requested documents from the previous owner of your account to validate your debt and we will mail them to you upon receipt. We are not currently reporting this debt to a collection reporting agency. Until we mail you the validation documents, 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. [redacted].Sincerely,Andrew BGeneral Counsel and Chief Compliance Officer

January 6, 2017Dear [redacted]:Thank you for submitting your concerns; we take concerns like yours very seriously. In an effort to protect the personal information of all our customers and follow the laws and regulations of our business, it is necessary for us to request a limited amount of specific...

information before speaking to a party calling our office. The established guidelines are in place for the protection of your personal information. Once we have confirmed the identity of the caller through the established protocols it is only then that we can share more details regarding the purpose of our communication.In order to comply with your request for no further telephone calls or contact from our office, we have removed from our systems all telephone numbers associated with your account. 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

August 19, 2014Dear [redacted],Thank you for Submitting your concerns. I have investigated the matter and would like to share the resultswith you. Please call me at ###-###-#### to discuss.This communication is from a debt collector, but it is not an attempt to collect a...

debt.Sincerely,Daniel VSenior Compliance Officer

December 14, 2017Dear [redacted]:Thank you for the opportunity to respond to your concerns. NCB Management Services, Inc. takes concerns like yours very seriously, and we have conducted an investigation regarding the matter. On August 28, 2017 you telephoned our office to communicate that you...

did not want calls to your place of employment. Our representative asked for you for the specific telephone number to cease calling. You provided a telephone number of 715 685 5389. Our representative removed that telephone number from our system and we have not telephoned that number since. In order to ensure that we don't telephone your place of employment with any other telephone number we have on file, we will cease efforts to contact you by telephone. Should you have any further concerns, please contact our Chief Compliance Officer at ###-###-####, ext. [redacted].Sincerely,Joseph K. Chief Compliance Officer

(PDF attached)[redacted],
We are in receipt of your correspondence from 10/7/15 and
would like to thank you for submitting your concerns.  We take concerns like
yours very seriously, and we have investigated your account.
This is the first time we have received an inquiry on the
balance...

of your account.  Please be assured that we will go back to our
client to confirm the balance on the account, and will send you validation
documentation.
Should you have any further questions, please do not
hesitate to contact our VP of Audit and Compliance at [redacted], ext. [redacted]. Sincerely,Lesley B[redacted]VP of Audit and ComplianceNCB Management Services, Inc.[redacted], ext. [redacted]

[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 [redacted], and find that this resolution is satisfactory to me. 
Regards,
[redacted]

October 20, 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 we sent you debt validation documents as well as other related documents on previous occasions, the last being on September 20,...

2017. We respectfully disagree with your accusation of harassment. NCB has acted in accordance with all applicable laws and guidelines that pertain to our industry. While NCB Management Services, Inc. continues to stand by the accuracy of it reporting to credit bureaus on this account we will make no further attempts to contact you regarding this matter. Should you have any further questions, please call our Chief Compliance Officer at ###-###-####.Sincerely, Joseph KChief Compliance Officer

Okay, so I feel behind on a loan that I had with a different company and the debt was purchased by NCB. They called me, worked out a payment plan with me for what I could afford to pay monthly. They insisted that the payments had to be automatic ACH payments every month so we set that up. August 2nd I check my bank account and they took two payments out of my account. They told me on the second that they would submit a refund and it would be done in 7-10 days. I called back again on the 12th because I still hasn't gotten the money back. They informed me when I called on the 12th that the refund hadn't even been initiated yet! Not even started! I transfered to a manager named Robert S[redacted] at the time, who told me that he was taking it directly over to get it processed. I then asked him to call me back immediately to inform me of the status, he agreed and told me that he would have the gentlemen handling my case call me back. I have other bills to pay and I am on a tight budget being a fill time student. Not having this money has really messed up my other bills I have to pay. Today is the 16th and I still don't have the money back. I also called three times on the 15th directly to Robert S[redacted]'s extension and got his voice-mail all three times, so I left a message, never received a phone call back from him. This morning I called the gentleman who handles my account and got his voice-mail as well. It took a message being left this morning informing them that I would be leaving this review and going through my bank to report this fraudulent transaction to get a call back. Ridiculous. Terrible service from a "manager"

June 15, 2017 [redacted]North Miami Beach FL [redacted] Joseph K[redacted]SVP of Audit and Compliance NCB Management Services, Inc RE: Complaint Number 12136684 Dear: Mr. K[redacted] Please find attached for your review and validation [redacted] response, CFPB Case Number [redacted] dated April 3, 2017 and paragraph 3 of [redacted] letter clearly states the alleged account was sold in "October 2015."Based on NCB Management Services Inc statement the alleged account was purchased in "September of 2015." There is collusion amongst both companies and fraudulent activity. Mr. K[redacted] how could you and NCB Management Services Inc, ethically take such a position that [redacted] response to my complaint through CFPB doesn’t have any bearing on the validity of the alleged debt purchased and the alleged debt that NCB management services Inc attempts to collect by using deceptive and abusive tactics to collect an alleged debt that I do not owe. This is ludicrous both companies was involved in a Purchase/Sales agreement of a debt can’t ethically validate when the alleged debt was Purchase/Sold.  Each company has now given a different variation as to when the alleged transaction took place. Under the laws of the Federal Trade Commission, FTC rules and regulations this is a violation. Under the FDCPA, NCB Management services Inc is in violation by reporting the alleged debt as a collection account to the credit reporting bureaus before first notifying me.  I acknowledge that your office has submitted documentation in a timely manner in my complaint to the various agencies. But based on my investigation of the documents that I have received I have no evidence to corroborate NCB Management Services Inc claimed that I was ever notified by US Postal Mail. And so, I have concluded my investigation and the facts are NCB management Services Inc has been in violation of FDCPA by not first notifying me of this alleged debt and collection account before placing it on my credit report.  And the mere reporting to the credit bureaus as a collection account is a violation under FDCPA.  NCB Management Services Inc has been in violation of this law and I demand to see a copy of a certified mail return receipt with my signature on it as proof that NCB Management services Inc was in compliance with FDCPA when they first notified me of the alleged debt and collection account by US POSTAL MAIL a few years ago. It is the law as per FDCPA and since I have filed complaints with federal agency and other agencies in 2017 and during this process is when I received documentation but this isn't compliance with FDCPA as NCB Management Services Inc has asserted. This is a VIOLATION of FDCPA.I acknowledge NCB Management Services Inc has responded to my disputes with the Credit Reporting Agencies, CRA in September, October and November of 2016 and also January 2017 but it behooves me that in May 2017 the month in which NCB Management Services Inc responded to my complaint through the Revdex.com they continue to perpetuate a lie by saying that NCB stand by accuracy of its credit bureau reporting and compliance with all applicable regulations. Base on my investigation and review of my [redacted] and [redacted] credit report NCB has been in violation of FCRA because on April 13, 2017 NCB account number [redacted] was deleted/removed from the Credit Reporting Agency [redacted], report number [redacted] and this collection account is no longer reporting on my [redacted] credit report and it cannot be re-reported as per FCRA.  And on January 25, 2016 NCB account number [redacted] was deleted/removed from the Credit Reporting Agency  [redacted], report number [redacted] and this collection account is no longer reporting on my [redacted] credit report and it cannot be re-reported as per FCRA.  Because of my ongoing disputes with the Credit Reporting Agencies NCB did not provide verifiable proof in accordance with FCRA section 609 (a)(1)(A) and NCB was in violation of the applicable laws and regulations as per FCRA and subsequently the accounts was deleted/removed from my credit report because the Credit Reporting Agencies couldn’t verify the validity of the account and the CRA’s must adhere to the FCRA and if the validity cannot be confirmed the account must be deleted/removed otherwise the CRA's will be sued.  Mr. K[redacted], how could NCB ethically stand by accuracy of its credit bureau reporting and compliance with all applicable regulations?  I demand that NCB remove the alleged collection account from [redacted] Credit Reporting Agency immediately. It’s obvious that NCB has perpetuated a lie and I will not hesitate to expose NCB unethical, deceptive and abusive tactics in the court of law. Please, I ask SVP of Audit and compliance at NCB Management Services Inc to adhere to my demand and remove the alleged collection account from [redacted] Credit Reporting Agency immediately. NCB willful noncompliance to adhere to the applicable FCRA, FDCPA and FTC laws and regulations has hurt my ability to obtain credit and my rights have been abrogated. The resolution I seek is that NCB adhered to the applicable laws and remove the erroneous collection account from [redacted] Credit Report Agency and if NCB fails to remove this account immediately I shall sue NCB Management Services Inc. Sincerely, [redacted]

[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]
7/29/2014
Dear [redacted]
I reject the response from NCB. I have enclosed a copy of the settlement arrangement I made with NCB. I made this arrangement with Susan R[redacted] at NCB in Dec 2012. The arrangement was presented to me as a legal settlement for my credit card debt. I am sure NCB would have a copy of the settlement arrangement.

September 9, 2016Dear [redacted]:Thank you, [redacted] for submitting your concerns. Based on the information provided we are unable to identify the account you are referencing. NCB does not have any person by the name of Ron A[redacted] in its employ. The phone number referenced in your correspondence,...

[redacted] reaches a company other than NCB Management Services, Inc. Your concern may be with a company other than NCB. Should you have additional questions, please call or SVP of Audit and Compliance at [redacted] ext. [redacted].Sincerely,Joseph K.SVP of Audit and Compliance