NCB Management Services, Inc.

Review: I have asked on several occasions for the settlement options to be given to me in writing so I know this is an actually offer and not a scam. I have been denied at all times for this information.

I have also received several phone calls outside of the actual time frame allowed for calls to take place. For example: calls can not start until 9am per FTC regulations and I have received them at 8am before.

Also, I have been told I had to open a checking account or they would not be able to continue working with me. I do not want a checking account and do not want to pay over the phone due to being the victim of a scam before.Desired Settlement: I would actually like to speak with the actual company I owe money to because I'm not even sure they really gave you all the account. I want all offers of settlement in writing and I want them to stop telling me I have to open a checking account or else.

Business

Response:

April 28, 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 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

Review: I am disputing the above-referenced debt, which does not belong to me. This debt was not verified as required by the Fair Debt Collection Practices Act.

If this debt properly verified, they would have seen that I was deployed to Iraq in combat serving our country at the time this debt was acquired, so it cannot possibly be mine.

I personally notified NCB, by phone and in writing that the debt was not mine and asked them to remove it from my credit report. It still remains on my credit report, thus NCB is now reporting information that they know to be inaccurate, or failing to report information correctly, which violates the Fair Credit Reporting Act.Desired Settlement: Remove this from my credit report now.

Business

Response:

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,

Review: HAVE RECEIVED NUMEROUS CALLS AT MY PLACE OF WORK FROM THIS COMPANY. THEY ASKED CO WORKERS TO PROVIDE PERSONAL CONTACT INFORMATION FOR ME. THEY HAVE BEEN ASKED TO CEASE CALLING AND RESORT TO US MAIL IN ORDER TO ASCERTAIN THEIR NEED FOR CONTACT WITH ME, SINCE THEY DO NOT DISCLOSE THE NATURE OF THE CALL. THEY CALL 3 TIMES DAILY SOMETIMES WITH MESSAGES SOMETIMES WITHOUT.Desired Settlement: STOP CALLING MY PLACE OF WORK AND NOTIFY ME IN WRITING WHY THEY ARE CONTACTING ME AND ON BEHALF OF WHO

Business

Response:

October 14, 2014Dear [redacted],We wish to thank you for sharing your concerns with us, as we encourage our customers to do so. As per your request we have removed all telephone numbers to contact you from our system,and have marked our system that you wish to receive no more telephone calls. We have also as you requested mailed you a letter to the address you have provided.Should you have any further concerns, please contact me directly at ###-###-####.This communication is from a debt collector, but it is not an attempt to collect a debt.Sincerely,Daniel VSenior Compliance Officer

Review: NCB has been making harassing calls to my personal cell phone for months. Normally I receive at least two calls per day. They're trying to collect debt but will not provide any information about the debt or who owes it. I do not have any outstanding debts other than my student loans, which are currently paid about 2 years ahead. I assume they're calling a wrong number, but they will not stop harassing me.

Business

Response:

May 6, 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 telephone number [redacted] from our system and you should not receive any further calls in connection with this matter. We apologize for any inconvenience this may have caused. Should you have any further concerns, please contact me at ###-###-####.This letter is from a debt collector but is not an attempt to collect a debt.Sincerely,Senior Compliance Officer

Review: The company representative continues to call and ask for personal information. When I refuse to provide personal information, they question why I do not want to resolve the issue. I told them I am happy to resolve the issue but refuse to hand out my personal information for security reasons. They claimed I did not respond to mailings. When I told them that I had responded with a payment, he apologized and said he saw that I had sent a payment. To me, this is suspicious because he seemed to be playing off of the information I was providing. I have been unable to verify that they represent my bank because they will not discuss anything without me giving information to them. This has scam written all over it. If it isn't, they need to change their policies to be more sensitive to personal security.Desired Settlement: I would prefer they stop calling me and allow me to continue making payments as I am able. I explained to them that I cannot send money that I do not have to send. I had a major change in my income because of a life change. I am sending money each time I receive a statement from the company.

Business

Response:

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

Review: The company is trying to collect on an outstanding debit owed to credit card. They continue to call my home phone sometimes four times a day and now they are calling my employer ! Where I work which is not right. I want them to stop calling my employer who has nothing to do with my personal issues.Desired Settlement: I want this company to stop calling my employer and my home and to correspond through written documentation only! I do plan on paying off my debit but don't want them to jeopardize my employment by contact my boss, [redacted] at ###-###-#### and I want them to stop calling me four times a day which is sheer harassment.

Business

Response:

October 2, 2014Dear [redacted],We are in receipt of your correspondence and wish to thank you for sharing your concerns, as we encourage our customers to do so. As per your request we have removed all of your telephone numbers from our system and you will only receive future communications via mail. Should you have any further concerns or questions you may contact our Senior Compliance Officer Daniel V[redacted] directly at ###-###-####.This communication is from a debt collector, but it is not an attempt to collect a debt.Sincerely,Daniel VSenior Compliance Officer

Review: This third party company contacted my after three years about paying an old debt. ([redacted]. This company quit sending me statements and I was not able to contact them. Their number no longer worked. I was not able to contact them and that was when I quit sending my payments) ([redacted] was charging me and outrages amount of interest. I have paid more interest that principal on this loan. I made several attempts to get an agreement with [redacted]. They refused and then I quit receiving any type of communication. So now this third party comes in and harasses me at work. One day I received 10 calls in one day. They say if I do not pay I will go to jail or loose my house. How can they threaten me like this when they know nothing about my circumstance. I asked for them to quit calling me at work and to send me a itemized statement of the agreements I had with the company. All they sent me was payments made and no agreement where they said they agreed on payment arrangements. How can a third party company come and collect three years later after not having any type of contact during the three years.Desired Settlement: To be done with this. To accept All the interest I have paid as payment on the loan. Why should I be harassed by this third party. [redacted] has gone bankrupt. Maybe if they had worked with their customers they would have had a better business relation.

Business

Response:

N/A

Review: I entered a settlement agreement with NCB in Jan 2013 to settle a credit card debt.

I agreed to pay $500 a month for a total of $8000. As of June 2014 I have paid $8000

to NCB. Now NCB will not honor the agreement. I have a written copy of the agreement.

I can sent you a copy.

I sent a letter to NCB June 30 2014 on this matter. I have no reply as of this date.

I thank NCB used fraudulent and deceptive practices in this agreement.Desired Settlement: For NCB to honor the agreement.

Business

Response:

July 28, 2014Dear [redacted],We wish to thank [redacted] for sharing his concerns as we encourage our customers to do so. Our records are not consistent with [redacted]’s claims that a settlement was reached on this account. I am inviting [redacted] to call me directly at ###-###-#### to discuss the matter.This letter is from a debt collector but is not an attempt to collect a debt.Sincerely,Daniel V[redacted] Senior Compliance Officer

Consumer

Response:

[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]

7/29/2014Dear [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.

Business

Response:

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

Consumer

Response:

[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.]

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,

Review: I am writing you today to lodge a formal complaint against NCB MANAGMENT SERVICES. This debt collector placed marks on my credit reports without proper notification, as I received no dunning notification per required. Credit reporting is considered collection activity. I am requesting your office look into these allegations and help me procure a deletion from all three credit reporting agencies until this company can successfully validate my debt as they are mandated by law to do. I have also notified the FTC, and the CFPB about this matter. I am also not opposed to filing with the Attorney General, however, I felt compelled to urge your office to help me in my crusade to remove NCB MANAGMENT SERVICES and reestablish my name and credit.Desired Settlement: I request that NCB MANAGMENT SERVICES validate my account as required by law. If they are unwilling or unable to validate, then they must delete the accounts from my credit reports.

Business

Response:

August 25, 2014Dear [redacted],Thank you for submitting your concerns. I have investigated the matter and would like to share the results with 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 V. Senior Compliance Officer

Review: I sent NCB a dispute notice in May 2014. The alleged debt they are attempting to collect is questionable at best. I received a letter from NCB dated Jun 13, 2014. In this letter NCB states: "We are currently conducting an investigation and will require more time to review documentation that has been requested from the original creditor." NCB's reply also states "The purpose of this letter is to collect a debt."

Coincidentally, I was notified by [redacted] on June 13, 2014 (the same day!) stating that NCB investigated the account in question and verified it belongs to me.

I also got a letter from [redacted] dated June 16, 2014 that states NCB completed an investigation on the same account and determined it belongs to me.

Apparently NCB was able to investigate this account for the credit bureaus while simultaneously needing more time to do the same thing for me.

By law, specifically the FDCPA, all collection activity is to cease until the request I sent for validation is completed. Furthermore I never received a dunning letter notifying me that NCB was collecting this account. I never heard of NCB until I was denied credit.Desired Settlement: I want all traces of this account and NCB completely removed from all three of my credit reports - [redacted], [redacted], [redacted].

Business

Response:

August 25, 2014Dear [redacted],Thank you for submitting your concerns. I have investigated the matter and would like to share the results with 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

Consumer

Response:

[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]

Review: [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,

Business

Response:

August 28, 2014Dear [redacted],Due to privacy reasons we would like to address your concerns with you directly. Please be assured I will be happy to discuss this matter with you at length, and will be able to address concerns you have fully, and also be able to address any additional concerns that may arise as a result of our discussion. I am available during normal business hours Monday –Friday at ###-###-####.This communication is from a debt collector, but it is not an attempt to collect a debt.Sincerely,Daniel VSenior Compliance Officer

Review: I have received several telephone calls from NCB at my place of employment. Although I work for a government agency, I have received numerous calls on my work phone, work cell phone and personl cell numbers.Desired Settlement: My request it that the company contact me personally for any personal debt owed. My personal contact number is ###-###-####. This is the ONLY contact number I have that is not business related. Any contact on any other phone number is unacceptable and a violationof Fair Debt Collection Practices and the Telephone Consumer Protection Act.

Business

Response:

June 10, 2014Dear [redacted]:This letter is in response to your request for Coventry Health Care of the Carolinas, Inc. (“CHC Carolinas”) to respond to [redacted]’s request to terminate his CoventryOne® policy purchased on the Marketplace for a termination date of February 28, 2014. The request was received by CHC Carolinas on May 30, 2014.CHC Carolinas does not have a signed authorization release form from [redacted] indicating that the Revdex.com is representing him in this matter. However, CHC Carolinas has responded directly to [redacted] regarding his complaint in writing on June 10, 2014.I trust that I have addressed this matter sufficiently. However, please contact me if you have any further questions involving this issue. I can be reached at ###-###-####, extension [redacted], Monday through Friday from 8:00 a.m. until 5:00 p.m.Sincerely,

Review: This company contact me regarding a [redacted] bank account that was closed by [redacted] bank due to identity theft. I do not now nor have I ever had any affliation with [redacted] bank or any of their servces. An identity theft police report was filed in april of 2011. The report # is [redacted]. This is not my account. I also sent a copy of my police report to Early Warning. this is not my account and I will not pay for someone else's accountDesired Settlement: [redacted] and NCB Management need to locate the person they are looking for me.

Business

Response:

January 27, 2014

Dear **. [redacted],

Please be advised your complaint was received at our office on January 16, 2014. We are currently still reviewing this with our client, to receive further information in regards to the account in question.

Upon receiving further documentation, we will send a second reply.

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

Regards,

Consumer

Response:

[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]

Review: [redacted]

I am rejecting this response because: I do not now nor have I ever had any accounts or authorize any accounts with PNC. Please see attached supporting documents

Regards,

Business

Response:

February 10, 2014

Dear **. [redacted],

We addressed the consumers concerns, by providing them the proper documents that were sent to the consumer on January 29, 2014. We are happy to work with the consumer in any way possible, that the consumer may need to address their concerns now or in the future.

We have forwarded the concerns to our client, and will take any and all action that is deemed necessary by our client.

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

Regards,

Review: NCB Management Services, Inc continues collection activity on an account they did not validate per my request (certified letter via US Mail and signed return receipt). NCB Management Services, Inc has not provided signed proof that I incurred this debt, an itemization of the debt (e.g. total principal, interest, fees, other charges), copy of the applicable contract giving rise to the debt, and a copy of the underlying account statement and other written validation and explanation of the debt. This is a clear violation of FDCPA. At this point I am entitled to statutory damages, as they continue to report this information and that is highly damaging to me. Proper validation consists of copies of some type of current creditor records, not records which only verify that the collector believes an account is valid. Under federal law, I could sue them and ask for $1,000.00 in damages. I have made every effort including reporting this matter to the Revdex.com and filed a complaint with the Federal Bureau of Investigation and New York State Attorney General's office. I am, however, respectfully requesting they stop collection efforts immediately, or I will have no choice but to exercise my rights in a courtroom before a jury.Desired Settlement: I would like NCB Management Services, Inc to cease collection immediately and send a copy of the cease collection letter to my mailing address.

Business

Response:

Please see the attached.

Consumer

Response:

[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.]

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,

Review: I've received phone calls from this company seeking out an individual whose address is listed as mine. They're phishing for information on my neighbor and phishing a complete stranger (me) for information on a person whom I know no personal information on. NOW I know that they have collection issues and after reading MANY, MANY complaints from other individuals with the same issue I see they deceptively seek information and bother people like me. The woman was crass and spoke down to me like I was lying, even threatened my home!

PLEASE STOP CALLING ME.

REF: [redacted]Desired Settlement: I believe it to be illegal the way this business goes about finding individuals by contacting acquaintances and the like.

Business

Response:

May 6, 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 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,

Review: Company has called multiple times and has called my place of employment despite providing any proof that I owe on any debt. Additionally I have asked multiple times to stop calling.Desired Settlement: stop calling me

Business

Response:

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

Review: I have been getting phone calls from NCB Management services since late July 2014. When I call the company, my phone number does not show up for debt collection. I have no debt that needs to be collected. I have called and spoke to three people who have assured me they will fix the issue but as of last night it has not been fixed.Desired Settlement: I need this company to stop contacting me.

Business

Response:

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