NCB Management Services

June 15, [redacted] North Miami Beach FL *** Joseph K***SVP of Audit and Compliance NCB Management Services, Inc RE: Complaint Number Dear: MrK*** Please find attached for your review and validation [redacted] response, CFPB Case Number [redacted] dated April 3, and paragraph 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 activityMrK [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 oweThis 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 placeUnder the laws of the Federal Trade Commission, FTC rules and regulations this is a violationUnder 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 agenciesBut 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 MailAnd 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 agoIt is the law as per FDCPA and since I have filed complaints with federal agency and other agencies in and during this process is when I received documentation but this isn't compliance with FDCPA as NCB Management Services Inc has assertedThis 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 and also January but it behooves me that in May 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 regulationsBase on my investigation and review of my [redacted] and [redacted] credit report NCB has been in violation of FCRA because on April 13, 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, 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 (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 MrK***, 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 immediatelyIt’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 lawPlease, 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 immediatelyNCB 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 abrogatedThe 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 IncSincerely, [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]

September 8, 2016Dear [redacted] ***:Thank you [redacted] for submitting your concernsBased on the information provided we are unable to identify the account you are referencingWe are anxious to look into the matter further but need additional informationPlease 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

Please see the attached

June 20, 2017Dear [redacted] :Thank you for providing an opportunity for NCB Management Services, Incto respond to your concernsNCB purchased the referenced account in December of from NCP Finance Ohio, LLC as stated in our letter dated December 23, and mailed to the address of record at that time of [redacted] in Grand Prairie, TX ***We received your request for validation of debt on April 25, Those documents were mailed to the return address on that correspondence of [redacted] Arlington, TX *** on May 1, 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 reportingAn investigation and response to the notice of dispute with the credit bureaus has been completedNCB stands by the accuracy of its reporting to credit bureaus regarding this accountShould you have further questions, please call our SVP of Audit and Compliance at ###-###-####.Sincerely,Joseph KSVP of Audit and Compliance

I have an account with them and they are stating I owe 7,dollars so I requested under the Fair debt practice act they send me a validation and they did with no problemOnce I read the validation it shows plain and clear that I only owe 2,and they have been putting information on my report and validating it with the Credit reporting agencies several times being that the price owed was 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 information on my credit report

October 5, 2017Dear [redacted] :Thank you for providing an opportunity for NCB Management Services, Incto respond to your concernsA review of our records shows that this is the first request we have received from you either in writing or verbally to cease telephone calls to your place of employmentWe have removed from our system the telephone numbers associated with your place of employment and will not make further efforts to contact youShould you have any further questions, please contact our Chief Compliance Officer at [redacted] , ext***.Sincerely,Joseph KChief Compliance Officer

October 20, 2017Dear [redacted] :Thank you for providing an opportunity for NCB Management Services, Incto respond to your concernsA 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, We respectfully disagree with your accusation of harassmentNCB has acted in accordance with all applicable laws and guidelines that pertain to our industryWhile NCB Management Services, Inccontinues 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 matterShould you have any further questions, please call our Chief Compliance Officer at ###-###-####.Sincerely, Joseph KChief Compliance Officer

July 15, 2015Thank you for submitting your concernsWe were attempting to locate another individualPlease be assured that your cell phone number was been restricted from receivingfurther calls from our officeShould you have any additional concerns, please contact me at ###-###-####, ext***.Sincerely,Lesley BVP of Audit and Compliance

Thank you for submitting your concerns; we take concerns like yours very seriously NCB Management Services, Incpurchased your [redacted] account in December We first reported to Transunion in February of 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 NCB is reporting the date of first delinquency as November 15, Should you have any questions, please contact our VP of Audit and Compliance at ###-###-####, ext1235.Sincerely,Jim K***SVP of Audit and Compliance

In June I took out an internet installment loan from [redacted] .Com in the amount of $I made several payments to them before finding out that this type of loan is illegal in my state (Virginia) as it was originated onlineI contacted [redacted] .Com and offered to pay what I received minus interest as the loan was illegal [redacted] advised that they would no longer pursue collection on the loanFast forward to May the loan was charged off and purchased by NCB Management [redacted] has never contacted me for any payments or reported any information regarding the loan on my credit reportIn May NCB Management reported an outstanding debt of $on my credit report on all credit bureausI contacted the Revdex.com and advised that I had no knowledge of this account from NCB and requested that they validate the debtNCB responded that it was an account from [redacted] .comI contacted NCB by phone directly to see what needs to be done to remedy this issueThey advised that I needed to pay $(principal plus interest) to remedy thisThey have also continuously called me at home, work and my personal cell phone in an attempt to collect this debtI advised that this loan was illegal in my state but that I would attempt to resolve it after looking into this furtherThe representative has continued to contact me at work yelling at me that I owe this money because I took the loanI am now reaching out to Consumer Finance to see what options I have to resolve thisI am requesting that this account from NCB Management be removed from my credit report as it is from a debt that is illegal in my state that I attempted to rectify with the original creditor.TranslateDesired Resolution / OutcomeDesired Resolution: Correction to a credit reportDesired Outcome: I would first like this account deleted from all credit bureaus as I attempted to remedy this account with the original credit who advised since the account was illegal they would no longer pursue collectionSecond, I would like to know why I have not received any validation regarding this account and confirmation that it is enforceable even though internet installment loans are illegal in VA

February 24, 2017RE: Complaint Number [redacted] Dear [redacted] ***:Thank you, [redacted] for submitting your concernsBased on the information provided we are unable to identify the account or communications you are referencingWe are anxious to look into the matter further but need additional informationPlease call or SVP of Audit and Compliance at [redacted] ** ext***We look forward to being able to assist you further.Sincerely,Joseph K [redacted] SVP of Audit and Compliance

December 13, 2016Dear [redacted] ***:Thank you, [redacted] for submitting your concernsNCB Management Services, Incmailed to you on March 29, a letter which contained notice of credit bureau reporting and the mini mirandaA copy of this letter will be sent to you in a separate mailingOur first reporting to credit bureaus came on May 13, Should you have further questions, please call our SVP of Audit and Compliance at [redacted] ext***.Sincerely,Joseph K.SVP of Audit and Compliance

June 15, 2015Thank you for submitting your concernsUnfortunately, we are unable accept payment of your account via credit card over the phone or via our payment portalOur 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 checkIf 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 resolvedWe apologize for any inconvenience.Sincerely, Andrew B General Counsel and Chief Compliance Officer

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

August 11, 2016Dear [redacted] :Thank you, [redacted] for submitting your continued concernsAlthough we believe we have acted appropriately we have requested through the appropriate channels that the referred to trade line be deletedIf you have not received the validation documents by 8/17/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

Thank you for submitting your concerns; we take concerns like yours very seriouslyNCB Management Services, Increviewed its files and finds no record or documentation of a dispute regarding the validity of the debt being received until your correspondence on December 6, NCB will forward validation documents which will include among other items copies of the original contract and the account’s financial transaction history.NCB Management Services, Increspectfully disagrees with the characterization of our efforts to contact you as harassing or threateningNCB Management Services, Incremoved from its system the telephone numbers associated with youNCB Management Services, Incwill not make any further attempts to contact you by telephoneShould you have further questions, please call our SVP of Audit and Compliance at ###-###-####.Sincerely,Joseph K [redacted] SVP of Audit and Compliance NCB Management Services, Inc

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. ***.Sincerely,Joseph K. Chief Compliance Officer

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 BVP 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 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] ***