NCB Management Services

[To assist us in bringing this matter to a close, you must give us a reason why you are rejecting the responseIf no reason is received your complaint will be closed as Answered] Complaint: [redacted] I am rejecting this response because: I did not sign any agreement authorizing or agreeing that [redacted] can sell or share my personal informationThey will need to provide me information in detail that I shows my signature that I agreed to or authorize my personal information be sold to a third party for their useI do not have a direct agreement with this company and they have clearly stated they are not collecting on behalf of [redacted] but on their behalf with I do not have an agreementIf they cannot furnish this information I am requesting this information be deleted off my credit reportOr I will be forced to take legal action against this company for using my personal information inappropriately Regards, [redacted]

June 09, [redacted] ,We have received your multiple complaints about this accountAs we previously advised you, we received your original written dispute of this debt on April 21, We have requested documents from the previous owner of your account to validate your debt and we will mail them to you upon receiptWe are not currently reporting this debt to a collection reporting agencyUntil we mail you the validation documents, our office will not contact you in an effort to collect the debtShould you have any further questions, please call our Chief Compliance Officer at ###-###-####, ext***.Sincerely,Andrew B General Counsel and Chief Compliance Officer

July 21, 2017Dear [redacted] :Thank you for providing an opportunity for NCB Management Services, Incto respond to your concernsPlease be advised that we do not handle any business for the creditor mentioned in your correspondenceYou may be mistaking calls from another company as calls from NCBOur telephone records do not show any attempts to phone number listed in your complaintShould you have further questions, please call our SVP of Audit and Compliance at [redacted] ext***.Sincerely,Joseph K SVP of Audit and Compliance

September 29, 2017Dear [redacted] ***:Thank you for submitting your concerns and providing us an opportunity to respondAs 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 reportingNCB respectfully disagrees with assertion that you are no longer liable for the accountWhen a creditor "charges off” a debt it does not relieve the customer of the amount owedNCB by the accuracy of our credit bureau reporting regarding this accountShould you have any further concerns, please contact our Chief Compliance Officer at ###-###-####, ext***.Sincerely, Joseph K., Chief Compliance Office

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 creditjohn reassured me that day and ever month when I called in to make a paymentmy 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 DELETEDi 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 creditour 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 toI would like for NCB to honor their end and remove [redacted] PLEASE REQUEST THE RECORDED CALLSTHIS 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 PAYMENTSI 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

Thank you for providing an opportunity for NCB Management Services, Incto respond to your concernsWe understand that you may not have recognized this accountNCB Management Services, Incpurchased your [redacted] on June 30, as stated in our letter to you on July 1, This loan originated on October 8, for the purchase of a [redacted] In June of 2017, NCB Management responded to the credit bureaus regarding the dispute you filed with themThis correspondence is the first communication we have from you requesting verification of the debtThese documents were mailed to you on August 3, and included a copy of the contract with your signature, the letter explaining the deficiency balance, and a financial transaction historyShould you have further questions, please call our SVP of Audit and Compliance at [redacted] ***Thank you,

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 payments in the amount of $each to be deducted from your checking account and posted to your account in our officeOn May 23, 2016, a letter reminding you about your upcoming payment was mailed to the address we have on file for youThe 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, Since the payment was returned as non-sufficient funds, there is nothing to refundPer your request, the remaining payments have been cancelled in our systemAs requested, you shall receive no further calls from our officeShould you have any further questions, please contact our VP of Audit and Compliance at ###-###-####, ext***.Sincerely,Lesley BVP of Audit and Compliance

January 6, 2017Dear [redacted] :Thank you for submitting your concerns; we take concerns like yours very seriouslyIn 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 officeThe established guidelines are in place for the protection of your personal informationOnce 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 accountShould you have further questions, please call our SVP of Audit and Compliance at [redacted] ** ext***.Sincerely,Joseph K SVP of Audit and Compliance

January 29, 2016Thank you for submitting your concernsWe take concerns like yours very seriouslyWe received a request for validation of debt from your attorney on October 6, 2015, and notified our client of your requestWe have closed the account in our office and returned it to the original creditorNCB Management Services, Incis not reporting on your credit bureau report.Should you have any questions, please contact our VP of Audit and Compliance at [redacted] ***, ext***Sincerely, Lesley BVP of Audit and Compliance

December 14, 2015Thank you for submitting your concernsWe 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 systemPer 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***.Sincerely,Lesley B.VP of Audit and Compliance

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

We appreciate you sharing your concerns as we encourage our customers to do so As per your request at this time we have ceased collection efforts and forwarded this matter back to our client for handling You will also receive a letter from our office advising you of this which will include our clients contact information If you have any additional questions or concerns please contact our Senior Compliance Officer directly at ###-###-#### x ####.Sincerely, Daniel Venditti Senior Compliance Officer

[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] ***

April 28, Dear [redacted] ***,We would like to thank you for sharing your concerns with us, as we encourage customers to share their feedbackWe have reviewed your concerns and also forwarded them to our clientShould 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

March 21, 2016Dear [redacted] ***,Thank you for submitting your concerns; we take concerns like yours very seriously, and we have investigated your accountOn March 4, 2016, we received a money order for your account in the amount of $Since we closed and returned this account to our client two days earlier on March 2, 2016, we could not post your paymentThe payment was sent to the client for them to post and credit to your accountShould 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

[To assist us in bringing this matter to a close, you must give us a reason why you are rejecting the responseIf no reason is received your complaint will be closed as Answered] Complaint: [redacted] I am rejecting this response because: the statement is a lieWilliam Y*** called and spoke to me, two more times, at my place of business He also called multiple times when I was not availableThe Nursing Supervisors received these calls and reported them to my boss; I could have lost my jobThe last time he called is the day I filled the complaintI 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 calls that I spoke to himI also want written notification of any funds they believed are owed to themThis business has confidential person information regarding me and my financial institutionYou can not trust a business that will lie in a response to the Revdex.comI am appalled! Regards, [redacted]

July 10, 2015We are in receipt of your correspondence from 7/1/15, and would like to thank you for sharing your concernsWe take concerns like yours very seriously and we have reviewed your accountOn 6/29/15, we received your request to cancel your $payment, which was scheduled for the following dayWe mistakenly processed your $payment on 6/30/15, and we apologize for our errorThis was immediately escalated and we contacted you via telephone to inform you that we would take all Steps necessary to resolve your concerns and reimburse any fees assessed by your bankWe thank you for the opportunity to correct our mistake, and are grateful that you are Satisfied with the manner in which we handled your concernsShould you have any further questions, please do not hesitate to contact me directly at ###-###-####.Sincerely,Lesley B

June 09, [redacted] ,We have received your multiple complaints about this accountAs we previously advised you, we received your original written dispute of this debt on April 21, We have requested documents from the previous owner of your account to validate your debt and we will mail them to you upon receiptWe are not currently reporting this debt to a collection reporting agencyUntil we mail you the validation documents, our office will not contact you in an effort to collect the debtShould you have any further questions, please call our Chief Compliance Officer at ###-###-####, ext***.Sincerely,Andrew BGeneral Counsel and Chief Compliance Officer

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

March 9, 2017Dear [redacted] :Thank you for submitting your concerns and allowing us an opportunity to respondOn February 28, 2017, [redacted] placed your account with our office to be servicedOur initial letter was mailed to your address on March 2, Please be advised that today, upon receipt of your request, we have removed the telephone numbers associated with this account from our systemWe have not and will not make further attempts to contact you by telephone or any other meansShould 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