NCB Management Services

September 9, 2016Dear [redacted] :Thank you, [redacted] for submitting your concernsBased on the information provided we are unable to identify the account you are referencingNCB does not have any person by the name of Ron A [redacted] in its employThe phone number referenced in your correspondence, [redacted] reaches a company other than NCB Management Services, IncYour concern may be with a company other than NCBShould you have additional questions, please call or SVP of Audit and Compliance at [redacted] ext***.Sincerely,Joseph K.SVP 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 VendittiSenior 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 I called NCB and we have settled my account for a one time payment of $2500.NCB was very helpful in the settlementI 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]

July 11,2017Dear [redacted] ***:Thank you for submitting your concerns and allowing us the opportunity to respond to themNCB Management Services, Incpurchased the referenced account from [redacted] in December of The balance remaining on the account is a deficiency balance, meaning the balance owed on the account after all payments received from all sources were appliedThis would include payments made from the insurance provider for the vehicleIncluded in the documents NCB sent you in April of was a complete transactional history and a copy of a letter from Santander to you dated March 17, This letter indicated that the insurance payment received did not pay-off the accountNCB has since sent you an additional copy of these itemsShould you have any further concerns, please contact our SVP of Audit and Compliance at ###-###-####, ext***.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 responseIf no reason is received your complaint will be closed Administratively Resolved] Complaint: [redacted] I am rejecting this response because: I have received no documentation from them about an account I supposedly have with themI've also not heard of the companies in question regarding their response Regards, [redacted]

October 10, 2016Dear [redacted] :Thank you for submitting your concernsNCB Management Services, Incpurchased your account from [redacted] in April of On April 22, NCB mailed you a letter stating such and inviting you to call our officeYou may recognize this account as a consumer loan issued under the name " [redacted] 'As a result of this sale, [redacted] assigned their rights to NCB which would include credit reportingWe have mailed you other correspondence regarding settlement of the account at a reduced amount and would welcome the opportunity to discuss options with youShould you have any questions, please contact our SVP of Audit and Compliance at ###-###-####, ext***.Sincerely,Joseph KSVP of Audit and Compliance

March 8, 2017Dear [redacted] ***:Thank you, MsRains for submitting your concernsUnfortunately, without any new information we are still unable to identify the concerns you are referencingPlease call our SVP of Audit and Compliance at [redacted] ext***.Sincerely,Joseph K [redacted] SVP Audit and Compliance

Thank you, Ms [redacted] for submitting your concernsNCB received your correspondence requesting validation on August 15, 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, We will forward these items to your home address as wellIt is important to note [redacted] has entered into an arrangement to resolve the account in questionThe first payment is scheduled for August 31, 2016.Should you have any questions, please contact our SVP of Audit and Compliance at ###-###-####, ext1235.Sincerely, Joe K [redacted] S.V.P., of Audit & Compliance NCB Management Services, Inc

(PDF attached) [redacted] ***, We are in receipt of your correspondence from 10/7/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***Sincerely,Lesley B***VP of Audit and ComplianceNCB Management Services, Inc[redacted] , ext***

June 11, Dear [redacted] ***We thank you for bringing this to our attention as we encourage customers to share their concerns, and thank you for the feedbackThe phone number that you have received calls at hasbeen removed from our system and you should receive no further calls in connection with this matterIf 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

December 04, 2014Dear [redacted] ,We are in receipt of your correspondence dated 12/2/and we appreciate you sharing your concerns with us, as we encourage our customers to do soAs per your request you will receive no further telephone calls from our officeIn 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 VSenior Compliance Officer

December 14, 2017Dear [redacted] :Thank you for the opportunity to respond to your concernsNCB Management Services, Inctakes concerns like yours very seriously, and we have conducted an investigation regarding the matterOn August 28, you telephoned our office to communicate that you did not want calls to your place of employmentOur representative asked for you for the specific telephone number to cease callingYou provided a telephone number of Our representative removed that telephone number from our system and we have not telephoned that number sinceIn order to ensure that we don't telephone your place of employment with any other telephone number we have on file, we will cease efforts to contact you by telephoneShould you have any further concerns, please contact our Chief Compliance Officer at ###-###-####, ext***.Sincerely,Joseph KChief Compliance Officer

[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] 7/29/Dear [redacted] I reject the response from NCBI have enclosed a copy of the settlement arrangement I made with NCBI made this arrangement with Susan R [redacted] at NCB in Dec The arrangement was presented to me as a legal settlement for my credit card debtI am sure NCB would have a copy of the settlement arrangement

We are in receipt of your correspondence dated 6/22/15 and would like to thank you for sharing your concerns with us. We take concerns like yours seriously and we have reviewed the account. On 6/22/15, a representative from our office contacted you in an attempt to reach another party. We... respectfully disagree that any prize was offered. In the event you have any further questions or concerns, you may contact me directly at ###-###-####.Sincerely, Lesley B***VP of Audit and Compliance ###-###-####

We have reviewed our file concerning your accountWe will be mailing you a copy of a document called a “Bill of Sale and AssignmentIt is dated September 29, and indicates that on that date [redacted] USA Incassigned its rights concerning your account to NCB Management Services, IncThat document will specifically reference your account while information of other [redacted] s is redactedIt is important to respectfully state that [redacted] did not need your consent to pass these rights on to NCB ManagementWe remain committed to assist you in resolving this matter with a reasonable arrangementShould you have further concerns, please contact our SVP of Audit and Compliance at ###-###-####, ext1235.Sincerely,Joseph K [redacted] SVP of Audit and ComplianceNCB Management Services, Inc

(PDF attached) [redacted] ***, We are in receipt of your correspondence from 10/7/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*** Sincerely, Lesley B [redacted] VP of Audit and Compliance NCB Management Services, Inc [redacted] , ext***

May 6, 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 removed the number providedYou should receive no further calls to that numberShould 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,

September 25, 2017Dear [redacted] :Thank you for submitting your concernsPlease be advised that on September 7, 2017, NCB Management Services, Increported the account to the bureaus that we report your account to as a Chapter Discharged Bankruptcy reflecting a zero balanceThe credit bureaus may reflect the account type as open but this isn't a reflection of the account statusFor further explanation or information regarding this distinction we recommend you contact one of the credit bureaus directlyShould you have any further concerns, please contact our Chief Compliance Officer at [redacted] , ext***.Sincerely,Joseph KChief Compliance Officer

August 19, 2014Dear [redacted] ,Thank you for Submitting your concernsI have investigated the matter and would like to share the resultswith youPlease 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

March 30, 2017Dear [redacted] :Thank you for submitting your concernsOn February 6, 2017, NCB Management Services, Incmailed validation of debt documents and a financial transaction history to your addressWe respectfully disagree that validation of debt requirements were not met or that they were not met in a timely mannerIn addition, NCB stands by the accuracy of the information reported to credit bureausShould you have further questions, please call our SVP of Audit and Compliance at ###-###-####.Sincerely,Joseph K.SVP of Audit and Compliance