NCC Business Service of KY., Inc.

NCC Business Services of America is in receipt of the above referenced consumer complaint that was filedPlease allow this correspondence to serve as our reply.We received file numbers *** and *** on August 3, in the amount of $2,from our client *** *** / *** *** / *** and ***We received file numbers *** and *** on August 5, in the amount of $2,from our client *** *** / *** *** / *** and ***.NCC has received the request for additional actions to take place and we have completed an additional investigation regarding the claims made in Ms***’s responseIn response to the most recent request from Ms*** regarding receiving letters after the files are paid in full, we will provide Ms*** with a paid in full letter for each file.If Ms*** has the any additional questions or needs any assistance, she can contact us toll free at ###-###-####Ms*** can request to speak with a manager that will be more than happy to assist her
Sincerely,
*** ***
Chief Compliance Officer

NCC Business Services of America is in receipt of the above referenced consumer complaint that was filedPlease allow this correspondence to serve as our reply.We received file number *** on April 8, in the amount of $from our client *** *** *** LLC/*** ***.NCC has
reviewed the complaint submitted by Mr*** regarding the aforementioned file and we have completed an internal investigation regarding his concernsOn November 10, NCC was in receipt of Mr***’s complaint filed with your officeIn the complaint, Mr*** mentioned that he would like a refund of the payment made to our officeOn November 13, Mr*** called into our office and requested to pay the remainder of the balanceMr*** advised a representative with NCC that he spoke with our client regarding the reduced balance payment and our client advised him that the remainder of the balance needed to be paid before he could use their services againMr***’s file was paid in full on November 13, 2015.NCC sent a payment in full letter to Mr*** via emailWe have also included an additional copy of that letter with our response.If there are any further questions in regards to file number *** we can be contacted directly at ###-###-####Mr*** can request to speak with a manager that will be more than happy to assist.Sincerely,
*** ***
Chief Compliance Officer

Revdex.com:I have reviewed the response made by the business in reference to complaint ID *** and have determined that this proposed action would not resolve my complaint. For your reference, details of the offer I reviewed appear below.This letter states that they have files that are handled separatelyOne file in the amount of $and one in the amount of $and I must pay off each file before receiving a PIF letterI understand and agree with receiving a PIF letter once each file is paidI do not understand why there are FOUR files listed on my credit instead of TWOBeing that there are FOUR separately listings on my report (each file broken down into separate charges) I should be able to receive a PIF letter as I pay off each item.I have not waivered from my initial proposal which is A) for me to receive a PIF letter for EACH ITEM listed on my credit report as they are paid OR B) for the company to consolidate the files on my credit report in the amounts of $and $reflecting the TWO accounts they have on file (as stated in their letter) instead of $500.00, $213.00, $and $being listed separately as if I have FOUR separate accounts(which is misleading) instead of TWO with their companyIf I only have two files with them only two should be listed on my reportI do not see this as an unreasonable requestIf this is not resolved through Revdex.com my next step will be to obtain assistance from the Federal Trade Commission. Regards,*** ***

NCC Business Services is in receipt of the referenced complaintPlease allow this correspondence to serve as our reply. We received file number on February 10, in the amount of $1,from our client *** *** / *** *** ** *** / APT.NCC has reviewed the
complaint submitted by Ms*** and we have completed an internal investigation regarding her concernsPart of our internal investigation involves reaching out to our client for a response to the claims made in Ms***’s complaintOur client has provided NCC with a response and we have included their emailed response below:Upon further review of *** ***’s account, we have decided to reduce the amount owed to $She would still owe the vacant days until the next move in took possession, since she abandoned her lease early.Please let us know if there are any questions. Thanks,*** Regional Property Manager Apartment Dynamics NCC has updated Ms***’s balance to reflect the request of our clientWe have included a new outstanding balance letter with this response for Ms***’s records.If there are any further questions in regards to file number we can be contacted toll free at ###-###-####Ms*** can request to speak with a manager that will be more than happy to assist her.Sincerely, *** ***Chief Compliance Officer

NCC Business Services is in receipt of the referenced complaintPlease allow this correspondence to serve as our reply.We received an account with the file number *** on October 8, in the amount of $from our client *** *** / ***.NCC has reviewed the complaint
submitted by Ms*** and we have completed an internal investigation regarding the claims madePart of our internal investigation involves sending the complaint to our client for their responseWe have provided our client with a copy of the complaint in an attempt to obtain the validation of debt for Ms*** and we have received no response from our clientDue to our client’s inability to provide us with the validation of debt, NCC has closed the aforementioned file and we have removed it from our systems.NCC has included a copy of a letter stating Ms***'s file is now closed in our office.If there are any further questions in regards to file number *** we can be contacted directly at ###-###-####Ms*** can request to speak with a manager who will be more than happy to assist.Sincerely,*** ***Chief compliance Officer

Revdex.com:I have reviewed the response made by the business in reference to complaint ID [redacted] and have determined that this proposed action would not resolve my complaint.  For your reference, details of the offer I reviewed appear below.This action was initiated because a representative of NCC informed me that I could NOT and would not receive a PIF letter for each account as they were paid. Example: I can not pay the $213 and receive a PIF letter. I have to pay the $713.00 to receive a PIF letter even though the accounts are listed separately.  Was that information accurate? All I am requesting is a paid in full letter for each account as I pay them off being that they are listed separately on my credit report. The consolidation was mentioned because of him stating that I had to pay it off as a consolidation to receive a PIF letter. Will I be able to receive a PIF full each individual account, the $213, $500, $500 and $1012 as I pay off each account??Regards,[redacted]

NCC Business Services of America is in receipt of the above referenced consumer complaint that was filed. Please allow this correspondence to serve as our reply.We received file number [redacted] on March 28, 2012 in the amount of $1,610.01 from our client Observation Point/NRE.NCC has reviewed the...

complaint submitted by Ms. [redacted] and we have completed an internal investigation regarding her concerns. In the complaint Ms. [redacted] stated that NCC was unable to validate the debt, however, our records show the no previous requests for the validation of debt from Ms. [redacted] was received.Part of our internal investigation involved reaching out to our client for a response to the claims made in the complaint. Their response is as follows:“This tenant was a Housing client. They paid a portion of her rent. When she was evicted they took the rent payment they made for her back from us. Per her lease she is ultimately responsible for the rent and therefore the account was placed in collections for the amount outstanding on her account.”Included with this response is the validation of debt that was provided by our client. NCC would like to apologize for any inconvenience or concern this matter may have caused.If there are any further questions in regards to file [redacted], we can be contacted toll free at ###-###-####. Ms. [redacted] can request to speak with a manager who will be more than happy to assist her.Sincerely, [redacted] Chief Compliance Officer

NCC Business Services of America is in receipt of the above referenced consumer complaint that was filed. Please allow this correspondence to serve as our reply. We received file number [redacted] on November 11, 2015 in the amount of $3,415.50 from our client [redacted]. NCC has reviewed the...

complaint submitted by Mr. [redacted] regarding the aforementioned file and completed an internal investigation regarding his concerns. In the complaint, Mr. [redacted] states that NCC is contacting his family looking for him if at the time of contact, he does not answer. NCC has removed all telephone numbers associated with Mr. [redacted]’s file to ensure no additional telephone calls are made to Mr. [redacted]’s family. NCC would like to apologize for any and all inconvenience this matter may have caused. If there are any further questions in regards to file number [redacted] we can be contacted directly at ###-###-####. Mr. [redacted] can request to speak with a manager that will be more than happy to assist.
Sincerely,
[redacted]
Chief Compliance Officer

NCC Business Services is in receipt of the referenced complaint. Please allow this correspondence to serve as our reply.We received file number [redacted] on September 30, 2009 in the amount of $2,263.98 from our client [redacted] or [redacted] / [redacted].NCC has received the complaint submitted...

by Mr. [redacted] and we have completed an internal investigation regarding his concerns. While reviewing Mr. [redacted]’s complaint we see that he is stating he has had no communication with NCC or our client regarding the aforementioned file. Part of our internal investigation involves reaching out to our client for a response to the claims made in the complaint. Unfortunately, our client has been unable to provide our office with a response to the claims Mr. [redacted] has mentioned.NCC has included a letter with this response to inform Mr. [redacted] that NCC has closed his file in our systems. We have also submitted a request to the credit bureaus for the above referenced file to be removed from his credit report.If there are any further questions in regards to file number [redacted] we can be contacted directly at ###-###-####. Mr. [redacted] can request to speak with a manager that will be more than happy to assist.Sincerely,[redacted]Chief Compliance Officer

I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution would be satisfactory to me.  I will wait for the business to perform this action and, if it does, will consider this complaint resolved.Regards,[redacted]

NCC Business Services is in receipt of the above referenced complaint. Please allow this correspondence to serve as our reply.We received file number [redacted] on April 15, 2013 in the amount of $1,905.86 from our client Club at [redacted].We have reviewed the complaint submitted...

regarding the aforementioned file and completed an internal investigation regarding Ms. [redacted]’s concerns. Part of our internal investigation involved reaching out to our client for a response to the claims made in the complaint. Our client has been unable to provide our office with a response to the complaint and the validation of debt and we have now closed Ms. [redacted]’s file in our office.We have included a copy of our manual deletion to the credit bureaus as well as a letter stating that Ms. [redacted]’s file is closed.If there are any further questions in regards to file number [redacted] we can be contacted directly at ###-###-####. Ms. [redacted] can request to speak with a manager that will be more than happy to assist.Sincerely,[redacted] Chief Compliance Officer

NCC Business Services is in receipt of the referenced complaint. Please allow this correspondence to serve as our reply.We received file number [redacted] in the amount of $500.00 and file number [redacted] in the amount of $213.00 on August 3, 2012. We then received file number [redacted] in the amount of $500.00 and file number [redacted] in the amouunt of $1,012.16 on August 5, 2013 from our client [redacted] and [redacted].NCC has received the request for additional actions to take place and we have completed an additional investigation regarding the claims made in Ms. [redacted]’s response. NCC will provide Ms. [redacted] with a paid in full letter per file once they are paid. Due to company policy, we are unable to consolidate all files to report as only two files to the credit bureaus. Ms. [redacted] has two SureDeposit accounts that consist of two individual files; therefore, Ms. [redacted] has four files with our office. There are two separate balances owed to SureDeposit for the Bond and two separate balances owed to our client for the balance that exceeds the bond amount. NCC takes pride in providing our clients with options to resolve their balance and we are here to assist Ms. [redacted] to our fullest potential.NCC would like to apologize for any inconvenience or concern this matter may have caused. If there areany further questions in regards to file numbers [redacted] and [redacted], or [redacted] and [redacted], or ifMs. [redacted] would like to make a payment, we can be contacted toll free at ###-###-####. Ms.[redacted] can request to speak with a manager who will be more than happy to assist her.Sincerely,[redacted]Chief Compliance Officer

NCC Business Services is in receipt of the referenced complaint. Please allow this correspondence to serve as our reply.We received file numbers [redacted] and [redacted] on August 3, 2012 in the amount of $2,225.16 from our client [redacted] / [redacted] / [redacted] and [redacted]. We received file numbers [redacted]...

and [redacted] on August 5, 2015 in the amount of $2,225.16 from our client [redacted] / [redacted] / [redacted] and [redacted].NCC has reviewed the complaint submitted by Ms. [redacted] and we have completed an internal investigation regarding her concerns. In response to the claims in which Ms. [redacted] stated that NCC is reporting four separate files to her credit report, please see the below explanation from our client representative.“[redacted] has 2 debts to [redacted] for different timeframes and different units.She purchased one $500.00 bond for each unit, and she owed more than $500.00 for each debt, hence 2 files.Her debts must have each 2 files:1. Amount within the bond.2. Amount over the bond.Funds are handled separately and reported to bureaus separately.2012 [redacted] 199-8, $713.002013 [redacted] 092-8, $1512.16Net payments on bond amounts flow to SureDeposit, then back to the client’s claims pool.The claims pool contains money from bond sales and net collections.Notes:? Each claim is a whole debt, and SureDeposit says work the file at the same time.? However, she could receive a PIF letter as she paid off the files.? SureDeposit says post to the bond side first ([redacted] here), but if she says the funds go to file #____, that’s where we have to put the funds.”NCC would like to apologize for any inconvenience or concern this matter may have caused. If there are any further questions in regards to file numbers [redacted] and [redacted], or [redacted] and [redacted], or if Ms. [redacted] would like to make a payment, we can be contacted toll free at ###-###-####. Ms. [redacted] can request to speak with a manager who will be more than happy to assist her.Sincerely,[redacted]Chief Compliance Officer