Seattle Service Bureau Inc

I am rejecting this response because:
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Under state and federal law, as well as FCRA, the creditor is not permitted to charge any interest or fees that were not in the original contractThe original accounts in question were bank accounts and not subject to delinquent interest.?
Had Mr*** actually listened to the audio, he would have heard that the representative I spoke with on Oct 12th (twice) never advised me of any fee to pay with credit or debit card, nor of any fee associated with an ACH transactionHe offered to waive the interest, gave me a total of $that would be charged and then said the total amount to be charged to my card was going to be $and changeHe never explained the difference in the two amounts, in fact he was in such a hurry to get off the phone that he was extremely discourteous.?
"Saving" me money on the account would have involved agreeing to a settlement, something I asked for repeatedly.?
The accounts were in fact purchased from CBCS in Junction City, KansasI know this to be true because I spoke to them directly regarding NSBI's refusal to accept a settlement on the basis that the owner of the account would not accept oneLet's call a spade a spade here, NSBI agreed to take this account on one of two conditions, that they kept 60% or more of the amount collected or for a specified pennies on the dollar purchase priceIn which case they took it upon themselves not to settle the account because they wanted to make more money off itWhich is also why, not once in two years did I receive a call, letter, or statement or any other communication in any form from NSBI since they purchased this accountTwo years of accruing interest without any attempt to collect the debt and then a refusal to even settle the accountThis in my opinion is just poor business practices, but also monstrously unfair to the consumer.?
I did NOT volunteer to send in a letter demanding validation of the debtThis is the conversation in which I was told that because it had been mailed out to an old address when NSBI purchased the account that they would NOT send out any sort of documentation of the debt without a written request from meSo again, my argument here which Mr*** so arrogantly skated over - I was told that I would have to send in a request to get a validation of the debt and they would not voluntarily send me that information because they had already done so years priorHis own statement would seem contradictory to his argumentBut at any rate, the entire point of the matter is - if I have requested validation of the debt, as the consumer I should not be forced to jump through additional hoops in order to get information before paying such a large sumAdditionally I would like to point out that in cleaning up my credit I have dealt with quite a few collection agencies, I have also dealt with a number of them in my professional life as wellI have NEVER dealt with a company who refused to send out documentation at the consumers verbal request.?
I also want to address the fact that I know Mr*** did NOT listen to every single recorded call, first because it is extremely unlikely that every single call is in fact recorded, but also because it is painfully evident that he is going off the memos in the account and not the actual conversationsHad he actually bothered to even read transcripts of them, it would be apparent that I was repeatedly lied to and treated poorly.?
The debit card in question was not declinedI have attached a copy of my bank statement showing in fact that plenty of funds were in the accountI also verified with my bank that I was not over my daily charge limit eitherThe representative I spoke to on Oct 12th told me the card came back as rejected for the following reason "refer to maker" which I believe means that he was in such a damn hurry to process the card and get off the phone, that he entered my debit card information incorrectlyI am absolutely appalled by Mr*** insinuation that I did not have the funds or that the card was declined due to some error on my part versus admitting that it was likely an error on the representatives part.?
I do not believe Mr*** or his "good faith" effortsNSBI has thus far refused to offer validation of the debt, when I finally paid I was offered no confirmation number and no receiptAnd I was once again put off and told if I wanted a statement verifying the accounts had been paid in full that I would have to call back in days to request thatAgain, this in and of itself is a violation of FCRA because I have now paid a debt that the only proof I have of, is on my bank statementThis is completely unacceptableYou are making it more difficult for the consumer to resolve debts and in turn obtain credit or make changes to their reportFortunately I fully expected this from NSBI and so I am not in a time sensitive situation - but I absolutely do not trust Mr*** or any other representative with NSBI.?
Their sole purpose is to maximize profits without any regard to the consumers they are working with.?
To begin with NSBI will have to provide proof they have removed these accounts from all credit bureaus, provide a receipt of payment and provide a letter documenting the accounts have been paid in fullThat is the bare minimum that I will accept from any representative with NSBIFurther from that, I want an apology from Mr***, not for a "misunderstanding" but for insinuating without basis that I was being dishonest, that I was in some way at fault for his representatives mistake, and for flat out lying about the origin of the account and the "research" that he did before replying to this complaint.?
I'm sure many other consumers are perhaps less educated or perhaps just more willing to accept such a meager, disrespectful and disingenuous response to a complaint - that is not the case in this situationI suggest you own up to your poor business practices and begin treating consumers the way you yourself would like to be treated
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Sincerely,*** ***

this account was assigned to NSBI on 3-4-for property damagesA letter was sent to the consumer on the same dateOur first contact with the consumer was on 3/10/During this conversation the consumer made a payment plan of $down and a monthWithin a hour the consumer
changed the plan to a month, we agreed to thisJust before the payment was due, the consumer advised her debit card was stolenDuring the next month the consumer made several promises to pay which nothing ever cleared or the promises were not keptIn? June of State farm adjusted the balance of $for injuriesThe consumer was informed of this, at this time she had requested proofBecause it pertains medical records of a third party, we can't release it to the consumerBased on the promises made and not being kept, NSBI had no choice to send the paper work into the stateThe State makes the decision to suspend not NSBIThe consumer has been given three promissory notes to get signed and send back into us as well as other documentsOnce the consumer? completed her portion of the paper work and kept her payments we agreed to? send in the release to the stateThe consumer just got all the paperwork to us the end of March 2016, we have agreed to ask the state to give the drivers license back to the consumerAs long as the payment are made on time with no more excuses, the consumer should receive her drivers license back
As to the person to contact, this would be Sam A*** not StephanieHer direct line is ***If you leave her a message she will return the call in the order she get themThe current balance as of today is My contact info is *** *** *** as another point of contact.?
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I will have the release sent out again today for the third time to the consumer e-mail that appears on this complaintit is the responsibility of the consumer to ensure it is filled out and sent back to our office via fax or e-mail ([email protected])I have placed a hold on this fileNo more outbound? calls will be made to the consumerIt is the responsibility of the consumer to make the payments on time to avoid any further interruption of her drivers license
I believe this addresses all of the consumers concerns
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I have taken time to review the consumer concernsThe account in question was assigned to our office on 06-16-14.? The amount assigned was $1398.76? Under state and federal law we can change interest on the accountThe amount of interest to date on the file was $The amount
collected from the consumer was so we waived the interest on the accountThe fee that was charged for using her credit card was $41.96, I confirmed she was told about this fee and agree to it.?
In the consumer complaint it was stated we added "Fee" to her account.? This is not true, in fact we saved her money on the account
I would like to point out the accounts in questioned are assigned and not boughtWe have no control over if the client will allow a settlement or notWe did in fact check with our client twice to get the consumer offer pushed through our client and both time we were rejected
The consumer asked for validation in FebShe stated she was going to send in a letter asking for documents the showed why she owed itTo date we have not received a letter or any request in May I have listen to every recording and no where did we tell the consumer the information was sent to an address that she use to live at years agoI will be more then happen to send all the recording to the BB for their review as well as all the notes on the file to ensure NSBI acted in good faith
The debit card in question was submitted to her bank and was declinedHer is a copy of the transaction
10-12-V? 10-12-Declined? ? ? ? ? ? ? 1,398.76? ? ? 41.96? ? 1,The account number has been deleted with the last? four showing.? After this payment was declined, we took an ACH that was processed
While I can understand the consumers concern, I do apologize for any? misunderstandingAs a good faith I will agree to delete this off the consumer credit report if NSBI did in fact report it
If you have any questions, feel free to contact me
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Thank you,
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*** ***
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I have taken the time to review the complaint filed by the consumerI have also listen to the recording that NSBI hasFirst I would like to point out this is not a consumer debt as pointed out by the consumerThe FDCPA does not apply to a civil tort claimTherefore the agent who called, has the
right to talk to who ever picks up the phoneWith that being said, I have closed the file back to State Farm to take what ever action they deemThe request for suspension has been sent, the consumer has to understand the state of Cahas stiff rules about driving with no insurance
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There will be no more calls to the consumer by NSBI
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Thank you,

To Whom it may concern:
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First off I would like to say I never thought the consumer was dishonestI called it miscommunication since the recordings that I listen to that pertain to the complaint sounded like the conversation was going in circleNot because of either parties partThe Rep did in fact sounded like he was rushing to get off the phoneThis has been addressed with the repAs to a paid in full letterThis is being sent to the consumer home address as of todayE-Oscar which is the portal for all three credit reporting bureau has been notified last week to delete the tradesThe confirmation number we get from them to confirm they have the items deletedThe following is the validation the consumer has requested: DEL CBR CONTROL ***, it is now up to the credit bureau to get these items deletedWe have no control or time table for this to be done
While there is nothing I can say or do that will change the past, I am truly sorry for the inconvenience this has caused
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If you have any questions, feel free to contact me
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***

To whom it may concern.
I would like to point out we are contracted with State Farm to send in the paper work to the State of Washington for the driver and the owner of the vehicle driving privilege to be suspended. While we are required by contract to do this within 7 days of the account coming to our office, we try to work out something with both the driver and owner of the vehicle. Based on the "Facts of loss" The Washington Sate Patrol issued a citation for Speeding too fast for condition, and no insurance. There will be no court handing the suspension as this is based on the police report and witnesses. The State of Washington has the final say if someone will be able to drive or not, as driving is a privilege.
The reason I asked for a call was to resolve any issues and set up a payment plan. I fully understand your concerns that you may have, but I wanted the opportunity to help you and or the driver to resolve this without getting anyone driving privileges suspended.
I will reach out one more time to offer my help to resolve this matter. I'm more then happy to help the [redacted]'s in this matter if they want my help.
 
Thank you,
Bob P[redacted]
V/P Operations
[redacted]

this account was assigned to NSBI on 3-4-2015 for property damages. A letter was sent to the consumer on the same date. Our first contact with the consumer was on 3/10/2015. During this conversation the consumer made a payment plan of $350.00 down and 203.40 a month. Within a hour the consumer...

changed the plan to 100.00 a month, we agreed to this. Just before the payment was due, the consumer advised her debit card was stolen. During the next 3 month the consumer made several promises to pay which nothing ever cleared or the promises were not kept. In June of 2015 State farm adjusted the balance of $4633.80 for injuries. The consumer was informed of this, at this time she had requested proof. Because it pertains medical records of a third party, we can't release it to the consumer. Based on the promises made and not being kept, NSBI had no choice to send the paper work into the state. The State makes the decision to suspend not NSBI. The consumer has been given three promissory notes to get signed and send back into us as well as other documents. Once the consumer completed her portion of the paper work and kept her payments we agreed to send in the release to the state. The consumer just got all the paperwork to us the end of March 2016, we have agreed to ask the state to give the drivers license back to the consumer. As long as the payment are made on time with no more excuses, the consumer should receive her drivers license back.
As to the person to contact, this would be Sam A[redacted] not Stephanie. Her direct line is [redacted]. If you leave her a message she will return the call in the order she get them. The current balance as of today is 2959.66. My contact info is [redacted] as another point of contact. 
 
I will have the release sent out again today for the third time to the consumer e-mail that appears on this complaint. it is the responsibility of the consumer to ensure it is filled out and sent back to our office via fax or e-mail ([email protected]). I have placed a hold on this file. No more outbound calls will be made to the consumer. It is the responsibility of the consumer to make the payments on time to avoid any further interruption of her drivers license.
I believe this addresses all of the consumers concerns.

Based on the information supplied, I was unable to find an account for this consumer. I have looked under the name, address, and phone numbers supplied, I was unable to find this claim. If the consumer has the [redacted] claim number, I will be able to respond to her concerns. My guess based on what...

is in this complaint, the information supplied was forwarded to [redacted] and it was determined to be the wrong party. I will not know this for sure until the consumer supplies the claim number.

To Whom It May Concern:
 
I have taken this opportunity to review this complaint and interview the rep who was named in this complaint. I believe there has been a miscommunication, the rep works for NSBI in the Subrogation unit. This unit does not handle consumer debts, they only handle State...

Farm claims which are a civil tort claims. I would asked that the consumer call me directly at [redacted]. This is my direct line, if I don't answer please leave a message and I will call the consumer back. I will see what I can do to help resolve this matter.
 
Thank you,
 
Bob P[redacted]

June 5, 2015  Revdex.com1000 Station Dr Ste 222DuPont, WA 98327  RE: Case # [redacted] [redacted]  Dear Sirs, Upon receiving the above referenced complaint, wereviewed the claim in question.  We have addressed all of the outstanding issues...

Ms[redacted] noted in her complaint. We have sent a request to the State of IL to haveher license reinstated. Please don’t hesitate to contact us with any additionalquestions. Thank you for your time. Sincerely,   [redacted]Administrative Assistant[redacted]National Service Bureau[redacted]

Complaint: [redacted]I am rejecting this response because:This issue is not about being ripped off or taken advantage of! NSB somehow obtained my personal information and exploited it without due diligence! I nearly lost my job due to their lack of investigation as whether they had the right person in their attempt to collect a debt, not to mention the undue mental torment I endured for 3 months! A simple call to the Tenn. Dept. of Safety would have shown that there was no accidents on my record! Further, they could have contacted me personally with the information they had, and I could have informed them they had the wrong person with MINIMAL effort.Sincerely,[redacted]

I have taken time to review the consumer concerns. The account in question was assigned to our office on 06-16-14. The amount assigned was $1398.76 Under state and federal law we can change interest on the account. The amount of interest to date on the file was $187.67. The amount...

collected from the consumer was 1398.76 so we waived the interest on the account. The fee that was charged for using her credit card was $41.96, I confirmed she was told about this fee and agree to it. 
In the consumer complaint it was stated we added "Fee" to her account. This is not true, in fact we saved her money on the account.
I would like to point out the accounts in questioned are assigned and not bought. We have no control over if the client will allow a settlement or not. We did in fact check with our client twice to get the consumer offer pushed through our client and both time we were rejected.
The consumer asked for validation in Feb. 2016. She stated she was going to send in a letter asking for documents the showed why she owed it. To date we have not received a letter or any request in May 2016. I have listen to every recording and no where did we tell the consumer the information was sent to an address that she use to live at 2 years ago. I will be more then happen to send all the recording to the BB for their review as well as all the notes on the file to ensure NSBI acted in good faith.
The debit card in question was submitted to her bank and was declined. Her is a copy of the transaction.
10-12-16 V ...2138 10-12-16 Declined        1,398.76    41.96   1,440.72 The account number has been deleted with the last  four showing.  After this payment was declined, we took an ACH that was processed.
While I can understand the consumers concern, I do apologize for any misunderstanding. As a good faith I will agree to delete this off the consumer credit report if NSBI did in fact report it.
If you have any questions, feel free to contact me
 
Thank you,
 
[redacted]

National Service Bureau is in receipt of the Mr. [redacted] rejection of our response.  National Service Bureau is sorry that Mr. [redacted] has experienced any frustration regarding the claim placed in our office for subrogation. Mr. [redacted] was the actual party named in a police report provided by the Greenville Police department.  In general a police report is considered a bona fide record of events beyond reproach. If the police report would not of identified Mr. [redacted] in error then our agency never would of contacted him in regards to the collision. Also be aware that National Service Bureau does not actually issue suspension of a drivers privilege's.  That step is taken by the Department of Safety and the Department of Motor Vehicles These agencies do not simply suspend by accusation alone. They also operated on the same information provided to our agency and none of their fail safes prevented the issue as all information for all parties seemingly met due diligence standards.  If it is was as simple as the Department of safety stating wrong party, then they would of have and rejected the suspension request, which they did not. Also Mr. [redacted] should be assured that this Tort claim in no way is considered a debt and he faces no potential credit reporting impact.Thank you,Erik R[redacted]Compliance and AssuranceNational Service Bureau, INC.[redacted]nsbi.net

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.
Mr. P[redacted] was extremely helpful in resolving my issue and very courteous and patient in explaining the status of my claim.

Complaint: [redacted]
I am rejecting this response because: When I...

tried to speak with you on the phone, Your agent Justin hung up on me more than once. I couldn't even finish a sentence or get a word out due to the lack of professionalism without any regard to my response only because you received an account from a company that claimed I owed them money that had not been paid. I also never received any documentation by mail regarding this claim. Please provide verification that you mailed out the appropriate documentation when you first received this account.  
Sincerely,
[redacted]

To Whom it may concern:
 
First off I would like to say I never thought the consumer was dishonest. I called it miscommunication since the recordings that I listen to that pertain to the complaint sounded like the conversation was going in circle. Not because of either parties part. The Rep did in fact sounded like he was rushing to get off the phone. This has been addressed with the rep. As to a paid in full letter. This is being sent to the consumer home address as of today. E-Oscar which is the portal for all three credit reporting bureau has been notified last week to delete the trades. The confirmation number we get from them to confirm they have the items deleted. The following is the validation the consumer has requested: DEL CBR CONTROL [redacted], it is now up to the credit bureau to get these items deleted. We have no control or time table for this to be done.
While there is nothing I can say or do that will change the past, I am truly sorry for the inconvenience this has caused.
 
If you have any questions, feel free to contact me.
 
[redacted]

I have attached a copy of the validation that was sent to the consumer on May 25, 2016. While I can understand the concerns the consumer has about what is being reported on their credit report. I have taken this opportunity to start the process to remove this item for now, until we can determine if...

this is the right party. Once it has been determine we do have the right party, this item will be placed back on the correct credit report, this process should take a few days.
 
If you have any questions, feel free to contact me at [redacted].

Complaint: [redacted]I am rejecting this response because:
 
Dear Mr. P[redacted],
If the Rep that contacted me does not work for your employer and is an employed through a different company I am confused as to why I would  contact you in this matter? The Rep that called me stated he was an employee of your company this is how I got your company name.  To add the rep stated "he" (meaning under the umbrella of your company) had authority to suspend  a persons drivers license directly throwing out the name to me " Washington Department of Licensing(DOL) and Department of Motor Vehicles(DMV)." National Services Bureau(NSB) is the company name  the Rep stated as his employer; furthermore, NSB is an umbrella company under DOL or DMV and/ or a sister agency like violations bureau.  If the Rep indeed is employed by State Farm Subrogation Dept he is way off his job title description.  He is SUBROGATION: meaning he acts on behalf of the insured policyholder who was found to be at fault for the accident by rear ending the "at a complete stop" driver a head of him.  Washington as you know is at Fault State.  The " State Farm Subjugation Rep" is  attempting to bully the driver of the vehicle behind his client with false impersonation    Quoting falsely that the driver behind his client's vehicle owes over $ 2000.00 dollars for the replacement of a new bumper on his clients car.  How was this  bumper replacement amount derived? Who concluded the bumper was non repairable after the driver himself was witnessed by police officer and others at scene of accident ripping off his own bumper and tossing it in the ditch at roadside.  What court heard this case without my knowledge and made judgement against me that I owe 100% at fault damages?  Again, Washington is at fault state and civil tort requires a case to be filed with the judicial courts of King County. Since you Mr. P[redacted] have a repore with the State Farm Rep and have concluded after speaking with him that miscommunication was the culprit here, Please let him know I have no intention on contacting a person that misrepresented himself nor do I plan on paying for a debt that I am not at fault for. Nor do I appreciate the threat of my license suspend if I didn't pay the demanded amount in full immediately.  Mr. State Farm Sub Agent would have me believe that No Insurance Coverage means automatic 100% fault and 100% liability for all damages. No Insurance has penalties under the RCW Traffic law Codes and steep fines apply, but no where does it state an insurance company can seek out any damages they see fit per the company's digression without a judicial judgement and have authority to suspend a license per " I said so". We wont mention that Mr. State Farm called and threatened a person who is not the driver nor is the vehicle registered owner.  But per Mr. State Farm is required by law to show proof otherwise directly to him. Thank you for contacting Mr. State Farm Mr. P[redacted].  Funny thing here.  I see that National Service Bureau is being sued currently and has in recent past been sued for falsifying business name and doing business as NSBI and Seattle Service Bureau and illegally demanding payment from consumers on balances that were bogus. It appears your company is a collection agency and State Farm hands you assignments with balances that are bogus and unsubstantiated.   Regards,[redacted]

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. Sincerely, [redacted]

I am rejecting this response because:
 
1. Under state and federal law, as well as FCRA, the creditor is not permitted to charge any interest or fees that were not in the original contract. The original accounts in question were bank accounts and not subject to delinquent interest. 
2. Had Mr. [redacted] actually listened to the audio, he would have heard that the representative I spoke with on Oct 12th (twice) never advised me of any fee to pay with credit or debit card, nor of any fee associated with an ACH transaction. He offered to waive the interest, gave me a total of $1398.76 that would be charged and then said the total amount to be charged to my card was going to be $1440 and change. He never explained the difference in the two amounts, in fact he was in such a hurry to get off the phone that he was extremely discourteous. 
3. "Saving" me money on the account would have involved agreeing to a settlement, something I asked for repeatedly. 
4. The accounts were in fact purchased from CBCS in Junction City, Kansas. I know this to be true because I spoke to them directly regarding NSBI's refusal to accept a settlement on the basis that the owner of the account would not accept one. Let's call a spade a spade here, NSBI agreed to take this account on one of two conditions, that they kept 60% or more of the amount collected or for a specified pennies on the dollar purchase price. In which case they took it upon themselves not to settle the account because they wanted to make more money off it. Which is also why, not once in two years did I receive a call, letter, or statement or any other communication in any form from NSBI since they purchased this account. Two years of accruing interest without any attempt to collect the debt and then a refusal to even settle the account. This in my opinion is just poor business practices, but also monstrously unfair to the consumer. 
5. I did NOT volunteer to send in a letter demanding validation of the debt. This is the conversation in which I was told that because it had been mailed out to an old address when NSBI purchased the account that they would NOT send out any sort of documentation of the debt without a written request from me. So again, my argument here which Mr. [redacted] so arrogantly skated over - I was told that I would have to send in a request to get a validation of the debt and they would not voluntarily send me that information because they had already done so 2 years prior. His own statement would seem contradictory to his argument. But at any rate, the entire point of the matter is - if I have requested validation of the debt, as the consumer I should not be forced to jump through additional hoops in order to get information before paying such a large sum. Additionally I would like to point out that in cleaning up my credit I have dealt with quite a few collection agencies, I have also dealt with a number of them in my professional life as well. I have NEVER dealt with a company who refused to send out documentation at the consumers verbal request. 
I also want to address the fact that I know Mr. [redacted] did NOT listen to every single recorded call, first because it is extremely unlikely that every single call is in fact recorded, but also because it is painfully evident that he is going off the memos in the account and not the actual conversations. Had he actually bothered to even read transcripts of them, it would be apparent that I was repeatedly lied to and treated poorly. 
6. The debit card in question was not declined. I have attached a copy of my bank statement showing in fact that plenty of funds were in the account. I also verified with my bank that I was not over my daily charge limit either. The representative I spoke to on Oct 12th told me the card came back as rejected for the following reason "refer to maker" which I believe means that he was in such a damn hurry to process the card and get off the phone, that he entered my debit card information incorrectly. I am absolutely appalled by Mr. [redacted] insinuation that I did not have the funds or that the card was declined due to some error on my part versus admitting that it was likely an error on the representatives part. 
7. I do not believe Mr. [redacted] or his "good faith" efforts. NSBI has thus far refused to offer validation of the debt, when I finally paid I was offered no confirmation number and no receipt. And I was once again put off and told if I wanted a statement verifying the accounts had been paid in full that I would have to call back in 30 days to request that. Again, this in and of itself is a violation of FCRA because I have now paid a debt that the only proof I have of, is on my bank statement. This is completely unacceptable. You are making it more difficult for the consumer to resolve debts and in turn obtain credit or make changes to their report. Fortunately I fully expected this from NSBI and so I am not in a time sensitive situation - but I absolutely do not trust Mr. [redacted] or any other representative with NSBI. 
Their sole purpose is to maximize profits without any regard to the consumers they are working with. 
To begin with NSBI will have to provide proof they have removed these accounts from all 3 credit bureaus, provide a receipt of payment and provide a letter documenting the accounts have been paid in full. That is the bare minimum that I will accept from any representative with NSBI. Further from that, I want an apology from Mr. [redacted], not for a "misunderstanding" but for insinuating without basis that I was being dishonest, that I was in some way at fault for his representatives mistake, and for flat out lying about the origin of the account and the "research" that he did before replying to this complaint. 
I'm sure many other consumers are perhaps less educated or perhaps just more willing to accept such a meager, disrespectful and disingenuous response to a complaint - that is not the case in this situation. I suggest you own up to your poor business practices and begin treating consumers the way you yourself would like to be treated.
 
Sincerely,[redacted]