NCB Management Services, Inc.

August 11, 2016Dear [redacted]:Thank you, [redacted] for submitting your continued concerns. Although we believe we have acted appropriately we have requested through the appropriate channels that the referred to trade line be deleted. If you have not received the validation documents by 8/17/16 please call our SVP of Audit and Compliance at ###-###-####, ext. [redacted] so that arrangements can be made to fax the documents to you.Sincerely,Joseph K.SVP 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 B
General Counsel and Chief Compliance Officer

September 8, 2016Dear [redacted]:Thank you [redacted] for submitting your concerns. Based on the information provided we are unable to identify the account 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...

###-###-####. We look forward to being able to assist you further.Sincerely,Joseph KSVP of Audit and Compliance

June 20, 2017Dear [redacted]:Thank you for providing an opportunity for NCB Management Services, Inc. to respond to your concerns. NCB purchased the referenced account in December of 2016 from NCP Finance Ohio, LLC as stated in our letter dated December 23, 2016 and mailed to the address of record...

at that time of [redacted] in Grand Prairie, TX [redacted]. We received your request for validation of debt on April 25, 2017. Those documents were mailed to the return address on that correspondence of [redacted] Arlington, TX [redacted] on May 1, 2017. We have since mailed a copy of the account's financial transaction history.As a result of NCP Finance Ohio, LLC selling your account to NCB, they assigned their rights regarding this account to NCB, including credit reporting. 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 SVP of Audit and Compliance at ###-###-####.Sincerely,Joseph K. SVP of Audit and Compliance

We have reviewed our file concerning your account. We will be mailing you a copy of a document called a “Bill of Sale and Assignment. It is dated September 29, 2015 and indicates that on that date [redacted] USA Inc. assigned its rights concerning your account to NCB Management Services, Inc. That document will specifically reference your account while information of other [redacted]s is redacted. It is important to respectfully state that [redacted] did not need your consent to pass these rights on to NCB Management. We remain committed to assist you in resolving this matter with a reasonable arrangement. Should you have further concerns, please contact our SVP of Audit and Compliance at ###-###-####, ext. 1235.Sincerely,Joseph K[redacted] SVP of Audit and ComplianceNCB Management Services, Inc.

Thank you for submitting your concerns. Please be advised that on April 27, 2017, NCB Management Services, Inc. reported the account to the bureaus that we report your account to as a Chapter 7 Discharged Bankruptcy reflecting a zero balance. The credit bureaus may reflect the account type as open...

but this isn't a reflection of the account status. For further explanation or information regarding this distinction we recommend you contact one of the credit bureausdirectly. Should you have any further concerns, please contact our [redacted]Sincerely,Joseph K[redacted]

Thank you, Mr. [redacted] for Submitting your concerns. We stand by our previous response. A review of our efforts shows that our calls were within regulations and guidelines. Should you have further questions, please call our SVP of Audit and Compliance at ###-###-####.Sincerely,Joseph K[redacted] SVP of Audit and Compliance

January 5, 2017Dear [redacted]:Thank you, [redacted] for submitting your concerns. Please be advised that a copy of our September 23, 2016 letter, originally sent to the address of record at that time, 415 Maverick Drive Palestine, TX [redacted] will be forwarded to you in a separate mailing. Should you have any questions, please contact our VP of Audit and Compliance at [redacted], ext. [redacted].Sincerely,Joseph K. SVP of Audit and Compliance

Thank you for submitting your concerns. NCB Management Services, Inc. purchased the referenced account in August of 2016 as communicated in our letter dated August 24, 2016. The first request we received from you for validation documents was received by NCB on April 26, 2017. On May 11, 2017 NCB...

mailed to the original application for the internet loan through [redacted] Also being mailed to you will be a financial transaction history of the account. We also completed an investigation and responded to the notice of dispute to the credit bureaus. Should you have further questions, please call our [redacted]Sincerely,Joseph K[redacted]

March 7, 2017Dear [redacted]:Thank you for submitting your concerns. On January 10, 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 [redacted] ext. [redacted].Sincerely,Joseph KSVP of Audit and Compliance

[redacted] <[redacted].com>10:02 AM (31 minutes ago)to me Good morning [redacted], This company NCB haven't solved the collection issue yet, They haven't provide proof that I own the money, have being deceitful and keep postponing their follow up to close this with a letter of zero balance on my name. I keep calling every week but They never provide me with an straight answer. Respectfully, [redacted]Kew Gardens NY [redacted]Cell: ###-###-####

July 21, 2017Dear [redacted]:Thank you for providing an opportunity for NCB Management Services, Inc. to respond to your concerns. Please be advised that we do not handle any business for the creditor mentioned in your correspondence. You may be mistaking calls from another company as calls from...

NCB. Our telephone records do not show any attempts to phone number listed in your complaint. 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

[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'm not really rejecting just better trying to understand. Are there more than 1 company claiming to be NCB? Because when I google the phone number that called me nothing comes up, and when I call them they answer the phone with their name only. But then they give me another phone number to call back. Also when I google NCB which is how they have identified themselves the first time we talked this company is the only company that comes up. And several complaints online (with names given of the same people I've actually spoken to) are mentioned in peoples posts. Something does not seem right about this at all.
Regards,
[redacted]

June 15, 2015Thank you for submitting your concerns. Unfortunately, we are unable accept payment of your account via credit card over the phone or via our payment portal. Our agent misspoke concerning the ability to accept a credit card payment over the internet and we apologize for that....

We 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 check. If 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 resolved. We apologize for any inconvenience.Sincerely,
Andrew B.
General Counsel and Chief Compliance Officer

July 21, 2017Dear [redacted]:Please be advised that we emailed the validation documents on July 20, 2017 to the email address you provided, [redacted].com.Sincerely,Joseph KSVP of Audit and Compliance

June 8, 2016Dear [redacted],Thank you for submitting your concerns; we take concerns like yours very seriously, and we have conducted an investigation of your account.Our records indicate that we spoke to you via telephone on May 10, 2016, and that you authorized a series of 12 payments in the amount of $260.00 each to be deducted from your checking account and posted to your account in our office. On May 23, 2016, a letter reminding you about your upcoming payment was mailed to the address we have on file for you. The check posted in our office on May 31, 2016, per the arrangement you had authorized, but was returned as non-sufficient funds on June 7, 2016. Since the payment was returned as non-sufficient funds, there is nothing to refund. Per your request, the remaining 11 payments have been cancelled in our system. As requested, you shall receive no further 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

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

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

March 30, 2017Dear [redacted]:Thank you for submitting your concerns and allowing us the opportunity to respond to them. As stated by our representative who telephoned you on March 20, 2017 our call was an attempt to locate another party. We understand your reluctance to provide such information and...

appreciate your offer to take a message for the party we were attempting to locate. Should we have had a verified point of contact with this party we would not have placed our call to your telephone number. Please be advised that NCB Management Services, Inc. has removed your telephone number from our system and will not make any further calls to you. Should you have further questions, please call our SVP of Audit and Compliance at ###-###-####.Sincerely,Joseph KSVP of Audit and Compliance

August 14, 2014Thank you again for submitting your concern. After reviewing the matter, it appears that a settlement was not accepted and you made payments which were credited towards the balance. Please give me a call so that we can further discuss the matter and attempt to reach a resolution.This communication is from a debt collector, but it is not an attempt to collect a debt.Sincerely,Daniel V[redacted] Senior Compliance Officer