NCB Management Services, Inc.

(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 Compliance
NCB Management Services, Inc.
[redacted], ext. [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 as Answered]
 Complaint: [redacted]
I am rejecting this response because: again NCB has not reported an accurate amount on my credit report and I would again like it deleted for reporting the incorrect amount.  Not to mention, I did not receive notification the vehicle was being sold before it was sold.  I have now contacted the FTC in this matter and my next step is the Attorney General.  
Regards,
[redacted]

July 15, 2015Thank you for submitting your concerns. We were attempting to locate another individual. Please be assured that your cell phone number was been restricted from receivingfurther calls from our office. Should you have any additional concerns, please contact me at...

###-###-####, ext. [redacted].Sincerely,Lesley B.
VP 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 [redacted], and find that this resolution is satisfactory to me. 
Regards,
[redacted]

I have an account with them and they are stating I owe 7,176 dollars so I requested under the Fair debt practice act they send me a validation and they did with no problem. Once I read the validation it shows plain and clear that I only owe 2,566 and they have been putting false information on my report and validating it with the Credit reporting agencies several times being that the price owed was false and they were stating it met FCRA Requirements when in fact it did not and have been damaging my credit and my lively hood I have the proofTranslateDesired Resolution / OutcomeDesired Resolution: Modification/discontinuance of an advertised claimModification/discontinuance of an advertised claimselectDesired Outcome: I would like for this company to remove the account off my credit report for the simple fact I have all the evidence that shows that they have been breaking the law and my Rights as a consumer under the FCRA and that can cause me to look for legal assistance being that I have all the evidence to file a Law Suit for hurting my credit report and making it hard for me to move on with my life and not being able to get competitive rates for a car or anything because of their false information on my credit report

August 25, 2017Dear [redacted]:Thank you for providing an opportunity for NCB Management Services, Inc. to respond to your concerns. We have completed another review of the matter. Our records indicate that at no time did any one of our representatives state to you that we would have the [redacted] trade line deleted. NCB Management Services, Inc. does not have the authority to delete the trade line of another creditor and would therefore not promise such an action.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 settlement. There is not mention in our letter of any other trade line other than our own. NCB Management has honored the commitment it made. On May 9, 2017 we requested the deletion of our trade line. Please contact me should you have further concerns.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 Administratively Resolved]
 Complaint: [redacted]
I am rejecting this response because:  I need a copy of the letter to verify that it was sent to [redacted].  I called them previously, and they did not know anything about this.  They informed me that they (did not) receive the payment.
Regards,
[redacted]

Thank you, Ms. [redacted] for submitting your concerns. NCB received your correspondence requesting validation on August 15, 2016. Since we had been previously advised in writing that your account was being handled by [redacted], NCB mailed the documents of validation directly to [redacted]...

[redacted]. These items were sent on August 18, 2016. We will forward these items to your home address as well. It is important to note [redacted] has entered into an arrangement to resolve the account in question. The first payment is scheduled for August 31, 2016.Should you have any questions, please contact our SVP of Audit and Compliance at ###-###-####, ext. 1235.Sincerely, Joe K[redacted] S.V.P., of Audit & Compliance NCB Management Services, Inc.

February 4, 2014
Dear [redacted]
We wish to thank you for sharing your concerns with us, which we received at our office on January 29, 2014. After reviewing your account, we have decided to close the subject account.
If you have any further...

questions, please contact me directly at the number below.
Sincerely,

[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.  I called NCB and we have settled my account for a one time payment of $2500.NCB was very helpful in the settlement. I thank NCB for settlement.I would like thank the you and The Revdex.com for your time and work on this matter.I would at this time like to stop my complaint on NCB.
Regards,
[redacted]

September 25, 2017Dear [redacted]:Thank you for submitting your concerns. Please be advised that on September 7, 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 bureaus directly. Should you have any further concerns, please contact our Chief Compliance Officer at [redacted], ext. [redacted].Sincerely,Joseph K. Chief Compliance Officer

May 27, 2016Dear [redacted],Thank you for submitting your concerns; we take concerns like yours very seriously. We are unable to see the attachments that you submitted with your complaint; these documents do not get forwarded to the agency along with your complaint. However, per our records, the...

documentation we provided to you to validate the debt match your name. We will re-send the documents to the address we have on file for you. 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

Thank you for submitting your concerns. NCB Management Services, Inc. purchased your account from [redacted] Consumer USA Inc. in March of 2016. On March 29, 2016 NCB mailed you a letter stating such. After conversations with you in August, NCB sent you the documentation you requested via U.S. Mail....

After another conversation, the validations of debt documents were again mailed to your address on October 4, 2016. During our review of your account, NCB Management Services, Inc. reported to the credit bureaus that the account information was in dispute. We will mail to you another copy of the validation documents which will include a financial history. Should you have any questions, please contact our SVP of Audit and Compliance at ###-###-####, ext. 1235.Sincerely,Joseph K[redacted] SVP of Audit and Compliance NCB Management Services, Inc.###-###-####, ext. 1235

October 16, 2017Dear [redacted]:Thank you for the opportunity to respond to your concerns. NCB Management Services, Inc. purchased your account on April 20, 2017 from [redacted] as stated in our letter to you sent on April 21, 2017. NCB Management Services, Inc. has taken this...

correspondence as the first written request for debt validation documents. We will send you in a separate mailing, validation of debt documents which will include the Line of Credit application, terms and conditions as well as a financial transaction history. We respectfully disagree that the information on this account is incorrect or that any actions on our part have been illegal. Should you have any further concerns, please contact our Chief Compliance Officer at ###-###-####, ext. [redacted].Sincerely,Joseph K[redacted] Chief Compliance Officer

Review: Repeated phone calls at my place of employment after I have told them they can not call me at that number.

The woman who called was extremely rude and would not abide by my wishes not to be an a recorded line.Desired Settlement: Letter explaining what this matter is and to stop contacting me once letter is received.

Business

Response:

October 4, 2013

Dear **. [redacted],

We wish to thank **. [redacted] for sharing her concerns. Please be assured that we take consumer concerns seriously. After reviewing the matter, it appears that the consumer’s place of employment number was only contacted one time by our office and our representative was professional and courteous on this call. Nonetheless, we have taken steps to make sure that **. [redacted] is not contacted by our office at her place of employment again in the future.

Should **. [redacted] wish to discuss this matter further, she should not hesitate to contact me at the number below.

Regards,

Review: There is a listing on my credit report, but it is unclear if the debt is still within the statute of limitations.Desired Settlement: Please remove the item from my credit report in the amount of $1,185 OR

Provide a copy of the original contract

An itemized billing breakdown of all charges

Proof that you can legally collect the debt

Business

Response:

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

Review: 2 years ago [redacted] law firm came after us for a loan we owed to [redacted]. They said we could settle for 7000.00 but we never recieved pay off letter and now guy has retired.Now a firm called NCB has contacted us saying we owe them the money. They bought loan from somewhere.. The lady on phone starts out nice and then gets mean.I wrote Revdex.com before about this but can not find the letter. Could you please help us.That 7000.00 really hurt us.

We need furnace so bad for this winter and we have no way to pay. My husband is in coal business and its not looking goood.Desired Settlement: That they realize we paid it off and to write this off like it should of been long ago and probably was..I am sure [redacted] got their money from insurance...This has been so long ago.Needs to be stopped and go after

recent cases.

Business

Response:

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

Review: We have received 2 telephone calls that suggest we have credit issues that they are wanting to collect on. We have absolutely no overdue credit issues and call into question the validity of NCB Management Services, Inc claims and contact information. ALL of our credit accounts, with the exception of an auto loan, are paid IN FULL monthly.Desired Settlement: No further telephone, internet, or USPS contact from NCB Management Services, Inc. We desire no apologies, explanations, or polls/petitions form NCB Management Services, Inc.

Business

Response:

June 11, 2014Dear [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

Review: I received a call from an NCB agent named [redacted] at my work number. He identified himself as being affiliated with [redacted] Cardmember Services, the issuer of my Bank [redacted] credit card. Upon calling he asked for personal information--my address & SSN. I refused to provide it, citing the fact that no legitimate business would make an unsolicited call asking for such information. He refused to give any further details about his reason for calling but provided a telephone number, which I traced back to NCB.Desired Settlement: My Bank [redacted] account is paid up and in good standing, and [redacted] confirmed they do not know who NCB/[redacted] are, nor have they authorized any calls. As I have a common name, I believe the calls are intended for someone else. [redacted] called a second time, and I asked the middle initial of the person he was trying to reach, which he admitted he did not know. He told me [redacted] provided my employer/ work number (this is a lie, [redacted] has no such record.) I demand the calls stop and a formal statement admitting the calls were made in error.

Business

Response:

January 3, 2014

Dear **. [redacted],

After reviewing this matter within our office, our agent acted according to our company guidelines. As of the date of this letter we have closed this matter in our office, accordingly **. [redacted] will not be contacted by our office any further in connection with this matter.

If you should have any other questions, please do not hesitate to call me.

Regards,

Review: Harrassing calls four times a day for the last year to my FAX number causing me loss of income, even on sunday and night time, looking for someone who isn't me. Repeated, ignored, requests to stop calling me.Desired Settlement: Quit computer calls to my fax number. Stop waking me up in the middle of the night. Stop looking for whoever it is you are looking for at this number. Quit causing me loss of income disrupting my communication equipment.

Business

Response:

N/A