Collections Agencies
NCB Management Services, Inc.Headquarters
Important information
- Customer Complaint:Please be advised that due to the high volume of complaints received for this business, BBB publishes 1 out of every 10 complaints handled through our conciliation process.
Complaints
This profile includes complaints for NCB Management Services, Inc.'s headquarters and its corporate-owned locations. To view all corporate locations, see
Customer Complaints Summary
- 687 total complaints in the last 3 years.
- 177 complaints closed in the last 12 months.
If you've experienced an issue
Submit a ComplaintThe complaint text that is displayed might not represent all complaints filed with BBB. Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business.
Initial Complaint
Date:09/16/2022
Type:Status:AnsweredMore info
Complaint statuses
- Resolved:
- The complainant verified the issue was resolved to their satisfaction.
- Unresolved:
- The business responded to the dispute but failed to make a good faith effort to resolve it.
- Answered:
- The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
- Unanswered:
- The business failed to respond to the dispute.
- Unpursuable:
- BBB is unable to locate the business.
Contacted Debt collector asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me therefore you are reporting misleading false account. Delete this unverified and misleading account.
Business Response
Date: 09/29/2022
September 29,2022
***** ****
**** *************** ***
Jessup , MD *****
RE: Complaint Number ********
Dear ***** ****,
Thank you for submitting your concerns and providing an opportunity to respond.
The referenced account was an auto loan, originating with ********* ******** ***(*********) on March 13, 2015, for the purchase of a 2012 **** *******. NCB Management Services,Inc. (NCB) purchased the account from ********* on February 27, 2020. As a result of the sale, ********* gave NCB information needed to verify the debt is valid and owed and assigned to NCB all of its rights related to the debt, including the right to collect and credit report the debt as permitted by law. As discussed in our March 02, 2020 letter, NCB is now the current creditor to whom the debt is owed.
NCB received your first dispute and request for debt validation on September 7,2022. In response, NCB mailed you debt validation documents which included a copy of the signed original contract, notices of repossession, the deficiency notice, a financial transaction history of the account, and a copy of the bill of sale agreement between NCB and *********. The documents were mailed to **** ***** **, Unit ***, Jessup, MD *****.
In response to this complaint, NCB mailed you another set of debt validation documents on September 20, 2022 to the address on the complaint. We have directed the credit bureaus to update the report to indicate the status of your dispute. Should you have any further questions, please contact us at ************.
Sincerely,
Clement N************
Chief Compliance Officer
NCB Management Services, Inc.
************Initial Complaint
Date:09/14/2022
Type:Status:AnsweredMore info
Complaint statuses
- Resolved:
- The complainant verified the issue was resolved to their satisfaction.
- Unresolved:
- The business responded to the dispute but failed to make a good faith effort to resolve it.
- Answered:
- The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
- Unanswered:
- The business failed to respond to the dispute.
- Unpursuable:
- BBB is unable to locate the business.
I have written several letters to ********* Credit Agency and disputed the charge the NCB Management has placed on my credit report. On July 26,2022 I sent out a certified mail letter to NCB Management Services. To validate an debt they claim I owe. the US postal tracking number is: **** **** **** **** ****. The letter states the following. "Request For Debt Validation Pursuant to 15 USC §1692g Be Advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act (FCRA) [15 USC §1692g] stating your claim is disputed and validation is requested. This is NOT a request for “verification” or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you." Also . If your office fails to respond to this validation request within 30 calendar days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file, and a copy of such deletion request shall be sent to me immediately. Under 15 U.S. Code § 1692g - Validation of debts. I have submitted a copy of the Certified letter I sent and a copy of my Identity theft report and a receipt from the US postal service showing delivered. The have still not provided me with the validation of this account.Business Response
Date: 10/03/2022
October 3,2022
*************************
**** ******** ***
Converse, TX *****
RE: Complaint Number ********
Dear *************************,
Thank you for giving NCB Management Services, Inc. (NCB) the opportunity to respond to your concerns.
NCB has requested its tradeline be deleted with all credit bureaus that we had previously reported your account. Please allow 30 to 45 days for the credit bureaus to process and update their records. Should you have any further concerns, please contact us at ************.
Sincerely,Clement N***********
Chief Compliance Officer
NCB Management Services, Inc.
************Initial Complaint
Date:09/13/2022
Type:Status:AnsweredMore info
Complaint statuses
- Resolved:
- The complainant verified the issue was resolved to their satisfaction.
- Unresolved:
- The business responded to the dispute but failed to make a good faith effort to resolve it.
- Answered:
- The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
- Unanswered:
- The business failed to respond to the dispute.
- Unpursuable:
- BBB is unable to locate the business.
Contacted Debt collector asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me therefore you are reporting misleading false account. Delete this unverified and misleading account.Business Response
Date: 09/27/2022
September 27,2022
***************************** ******
*** ************* Apt ****
Savannah, GA *****
RE: Complaint Number ********
Dear ************** ******,
Thank you for giving NCB Management Services, Inc. (NCB) the opportunity to respond to your concerns. The debt at issue is an internet loan originating with **** ****** of South Carolina, LLC D/B/A **** (**** ******) on December 30, 2020. You did not ink-sign an agreement to open this account. You applied online and electronically agreed to the terms and conditions for using the account. When you failed to pay, **** ****** sold the debt to NCB on September 23,2021. As a result of the sale, **** ****** gave NCB information needed to verify the debt is valid and owed and assigned to NCB all of its rights related to the debt, including the right to collect and credit report the debt as permitted by law. On September 27, 2021, NCB sent you a letter notifying you that NCB is now the current creditor to whom the debt is owed.
NCB investigated your dispute by reviewing the information you provided as well as information and documents provided to us by the original creditor and information from our own system regarding the current status of your account. Our investigation confirmed the information we reported to the credit reporting agencies (CRAs) was accurate, complete, and reported in compliance with the **** and Metro 2 credit reporting standards. Additionally, on September 19, 2022, NCB sent you debt validation documents which included a copy of the loan application, terms and conditions of the loan, a financial transaction history of the account and a copy of the bill of sale agreement between NCB and **** ******. The documents were mailed to the address on this complaint.
In sum, NCB did not violate the **** or the ****** NCB had a permissible purpose to credit report your debt, the information we reported was accurate, and we met our obligation to investigate and respond to your disputes as required by law. NCB has updated our reporting to the credit bureaus to reflect the status of your dispute. Should you have any further concerns, please contact us at ************.
Sincerely,
Clement N************
Chief Compliance Officer
NCB Management Services, Inc.
************Initial Complaint
Date:09/13/2022
Type:Status:AnsweredMore info
Complaint statuses
- Resolved:
- The complainant verified the issue was resolved to their satisfaction.
- Unresolved:
- The business responded to the dispute but failed to make a good faith effort to resolve it.
- Answered:
- The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
- Unanswered:
- The business failed to respond to the dispute.
- Unpursuable:
- BBB is unable to locate the business.
My mailbox had been ransacked while I am being out of town last few months. Then I noticed that some of my mail were not coming to my address anymore. I filed a complaint with the Post Master to curb my mail from being sent to all of these fraudulent addresses. I also learned from my credit report that I had been a part of the breach and multiple inquiries were coming from other states and accounts were being opened in variations of my name. I also found this account that I believe not mine:Acct name: NCB (Original Creditor: ** **** ********* *** D B A ****)acct no. *******date opened 08/01/2021 balance $2,329.00 I am not liable for this debt and I do not have a contract with:Company: NCB MANAGMENT SERVICES Address: 1 ALLIED DRIVE TREVOSE, PA 19053 Tel No: ###-###-#### Police Report and FTC Affidavit are attached with this complaint together with dispute letter sent to the bureaus. I also filed complaints thru CFPB. Please delete this account from my credit report at once. Any questions or concerns I can be reached at *********************** Las Vegas NV ********* and email at ***********@*****.com.I need a response from the company.Business Response
Date: 09/27/2022
September 27,2022
******* ******
***** **** **** ***
Las Vegas, NV *****RE: Complaint Number ********
Dear ************************
Thank you for providing an opportunity for NCB Management Services, Inc. (NCB) to respond to your concerns.
NCB purchased the referenced account on August 27, 2021 from ************** LLC D/B/A **** ****** as stated in our letter of September 1, 2021 This correspondence is the first communication, we have received directly from you concerning a fraud claim. We have been in contact with the seller of the account and shared the information you provided. A thorough review will be conducted in order to correctly resolve the matter. We will notify you as soon as the investigation is completed. As requested in your correspondence dated August 28, 2022 received by NCB on September 20, 2022, NCB will in a separate mailing send you debt validation documents to the address on this complaint.
Other than the debt validation documents referenced above and notification at the end of the investigation, NCB ceased all attempts at contacting you regarding this account and will continue to honor your request in the future, as requested. We have directed the credit reporting agencies to update the report to reflect the status of your dispute. Should you have any further concerns, please contact us at ************.
Sincerely,
Clement N*********
Chief Compliance Officer
NCB Management Services, Inc.
************Initial Complaint
Date:09/12/2022
Type:Status:AnsweredMore info
Complaint statuses
- Resolved:
- The complainant verified the issue was resolved to their satisfaction.
- Unresolved:
- The business responded to the dispute but failed to make a good faith effort to resolve it.
- Answered:
- The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
- Unanswered:
- The business failed to respond to the dispute.
- Unpursuable:
- BBB is unable to locate the business.
In accordance with the Fair Credit Reporting act Convergent Account # ****, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2: It also states a consumer reporting agency cannot furnish a account without my written instructionsBusiness Response
Date: 10/03/2022
October 3,2022
*************************
*** ***************
Roberta, GA *****
RE:Complaint Number ********
Dear *************************,
Thank you for giving NCB Management Services, Inc. (NCB)the opportunity to respond to your concerns.
NCB purchased the referenced account on April 19, 2021 from ****** ******* **** as stated in our letter of April 20, 2021. We have been in contact with the seller of the account and shared the information you provided. A thorough review will be conducted in order to correctly resolve the matter. Our Disputes team will report back to you when the investigation is complete. In the meantime, we have ceased collection activity and submitted a request to the credit reporting agencies to mark this account disputed. Should you have any further concerns, please contact us at ************.
Sincerely,
Clement N*********
Chief Compliance Officer
NCB Management Services, Inc.
************Initial Complaint
Date:09/08/2022
Type:Status:AnsweredMore info
Complaint statuses
- Resolved:
- The complainant verified the issue was resolved to their satisfaction.
- Unresolved:
- The business responded to the dispute but failed to make a good faith effort to resolve it.
- Answered:
- The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
- Unanswered:
- The business failed to respond to the dispute.
- Unpursuable:
- BBB is unable to locate the business.
This business continues to call my phone multiple times each week - with no description as to what they want.They don't say who the message is for, who should be calling them back, or what the call is regarding.If you call them, they ask for personally identifiable information prior to engaging in a conversation with you. This business has never sent me anything via postal mail or email, so I cannot verify what they want.Essentially, I have to give them private information about myself and in exchange they will tell me what the purpose of their constant phone calls are. If they dont have that info, they shouldn't be calling me nonstop. Not a single one of the credit reports I've run with three different agencies report anything in collections currently or EVER in collections.Business Response
Date: 09/23/2022
September 23, 2022
*****************************
***** ****************
Crestwood, IL *****
RE: Complaint Number ********
Dear *****************************,
Thank you for providing an opportunity for NCB Management Services, Inc. to respond to your concerns.
We have removed your telephone number from our system. NCB will not make any further attempts to the number identified in your correspondence. Should you have any further questions, please contact us at ************
Sincerely,
Clement N***********
Chief Compliance Officer
NCB Management Services, Inc.
***********************Initial Complaint
Date:09/04/2022
Type:Status:AnsweredMore info
Complaint statuses
- Resolved:
- The complainant verified the issue was resolved to their satisfaction.
- Unresolved:
- The business responded to the dispute but failed to make a good faith effort to resolve it.
- Answered:
- The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
- Unanswered:
- The business failed to respond to the dispute.
- Unpursuable:
- BBB is unable to locate the business.
This account is over seven year old and ****** ******* is selling my debit to collection agencies. I know they can not do this. Besides this is not my debit I did not sign no paper work with these peoples. I asked them respectively to remove the item from my credit report and no availability. So I'm reporting them to BBB agency, to remove the item that negatively impacting my credit score. Thank you in advance.Business Response
Date: 09/23/2022
September 23, 2022
***************************
**** **************
Baton Rouge, LA *****
RE:Complaint Number ********
Dear ***************************,
Thank you for submitting your concerns and providing NCB Management Services, Inc. (NCB) an opportunity to respond.
The referenced account was an auto loan, originating with ****** ******* *** (******) on September 10, 2015 for the purchase of a 2014 ********* ******. The loan agreement listed you as co-buyer and another individual listed as buyer, making you responsible for paying this debt, and gave ****** the right to collect it from you and to credit report the debt as permitted by law. When you failed to pay, ****** sold the account to NCB on September 21, 2020.
As a result of ****** selling the account to NCB, they gave NCB information needed to verify the debt is valid and owed and assigned their rights regarding this account to NCB including the right to collect and credit report the debt as permitted by law. As discussed in our September 25, 2020 letter, NCB is now the current creditor to whom the debt is owed.
This correspondence is the first dispute you have sent to NCB regarding this account. Our investigation confirmed the information we reported to the credit reporting agencies (CRAs) was accurate, complete, and reported in compliance with the FCRA and ***** * credit reporting standards. Based on information provided by the original creditor, we reported April 24, 2017 as the date of first delinquency. This is the date that controls how long the account remains on your credit report. We have never changed the date of first delinquency. We reported September 21, 2020 as the date we purchased the account and opened it in our office. The CRAs and ***** * require us to report this date opened information.
In a separate mailing, NCB will provide debt validation documents which will include a copy of the signed contract, the deficiency notice, a copy of the bill of sale agreement between NCB and ******, and a financial transaction history of the account. Should you have documentation of payments that you believe have not been applied please mail a copy of these items to us so they can be thoroughly reviewed.
In sum, NCB did not violate the FCRA or the FDCPA NCB had a permissible purpose to credit report your debt, the information we reported was accurate, and we met our obligation to investigate and respond to your disputes as required by law. NCB has updated our reporting to the credit bureaus to reflect the status of your dispute. Should you have any further concerns, please contact us at ************.
Sincerely,
Clement N***********
Chief Compliance Officer
NCB Management Services, Inc.
************Initial Complaint
Date:09/04/2022
Type:Status:AnsweredMore info
Complaint statuses
- Resolved:
- The complainant verified the issue was resolved to their satisfaction.
- Unresolved:
- The business responded to the dispute but failed to make a good faith effort to resolve it.
- Answered:
- The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
- Unanswered:
- The business failed to respond to the dispute.
- Unpursuable:
- BBB is unable to locate the business.
I do not recognize this account. I’m definitely not reliable for this dept and the company can’t provide any documentation of an original application. I’m asking for this account to be removed from my credit report.Business Response
Date: 09/20/2022
September 20,2022
*****************************
**** ********************************************
Orlando, Florida *****
RE:Complaint Number ********;
Dear *****************************,
Thank you for giving NCB Management Services, Inc. (NCB) the opportunity to respond to your concerns. The debt at issue is an internet loan originating with ************* & ******** (********) on May 10, 2018. NCB purchased the referenced account from ******** on January 22, 2019 . As a result of the sale, ******** gave NCB information needed to verify the debt is valid and owed and assigned to NCB all of its rights related to the debt, including the right to collect and credit report the debt as permitted by law. On January 24, 2019, NCB sent you a letter notifying you that NCB is now the current creditor to whom the debt is owed.
This correspondence is the second direct request for debt validation documents received by NCB. Your first request for validation documents was received on August 15, 2022 through your CFPB Complaint ******-*******. In response to that complaint, NCB sent you debt validation documents on August 30, 2022. We included a copy of the loan application, terms and conditions of the loan, a financial transaction history of the account and a copy of the bill of sale agreement between NCB and ********. The documents were sent to ********************************# *, Orlando, Florida *****.
In response to this complaint, NCB sent you another set of debt validation documents on September 14, 2022 to the address on this complaint. We included a copy the loan application, terms and conditions of the loan, a financial transaction history of the account and a copy of the bill of sale agreement between NCB and ********. NCB has updated our reporting to credit bureaus to reflect the status of your dispute. Should you have any further concerns, please contact our Chief Compliance Officer at ***********************.
Sincerely,
Clement N************
Chief Compliance Officer
NCB Management Services, Inc.
***********************Initial Complaint
Date:09/02/2022
Type:Status:AnsweredMore info
Complaint statuses
- Resolved:
- The complainant verified the issue was resolved to their satisfaction.
- Unresolved:
- The business responded to the dispute but failed to make a good faith effort to resolve it.
- Answered:
- The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
- Unanswered:
- The business failed to respond to the dispute.
- Unpursuable:
- BBB is unable to locate the business.
15 U.S.C 1681 SECTION 602 A: STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 602 A SECTION 2: ALSO STATES A CONSUMER REPORTING AGENCY CANNOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 15 U.S.C 1692C: STATES WITHOUT THE PRIOR CONCENT OF THE CONSUMER GIVEN DIRECTLY TO THE DEBT COLLECTOR OR THE EXPRESS PERMISSION OF THE COURT OF COMPETENT JURISDITION, A DEBT COLLECTOR MAY NOT COMMUNICATE WITH A CONSUMER IN CONNECTION WITH THE COLLECTION OF ANY DEBT. 15 U.S CODE 1681A- Upon the direct request of a consumer, or an individual acting on behalf of or as a personal representative of a consumer, who asserts in good faith a suspicion that the consumer has been or is about to become a victim of fraud or related crime, including identity theft, a consumer reporting agency described in section 1681a(p) of this title that maintains a file on the consumer and has received appropriate proof of the identity of the requester shall—(B) refer the information regarding the fraud alert under this paragraph to each of the other consumer reporting agencies described in section 1681a(p) of this title, in accordance with procedures developed under section 1681s(f) of this title. 15 U.S CODE 1681C- As otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of— (1)appropriate proof of the identity of the consumer; (2)a copy of an identity theft report; (3)the identification of such information by the consumer; and (4)a statement by the consumer that the information is not information relating to any transaction by the consumer.Business Response
Date: 09/29/2022
September 27, 2022
*****************************
***** **********************************************
Surprise, AZ *****
RE: Complaint Number ********
Dear *****************************,
Thank you for providing an opportunity for NCB Management Services, Inc. (NCB) to respond to your concerns.
NCB purchased the referenced account on April 25, 2022 from ************ (*******). This account was an internet loan originating with ************ on October 19, 2021. You may also recognize this account as your **** account. You did not ink-sign an agreement to open this account. You applied online and electronically agreed to the terms and conditions for using the account. That agreement made you responsible for paying this debt and gave ******* the right to collect it and credit report the debt as permitted by law.
When you failed to pay, ******* sold the debt and transferred its right to collect and credit report to NCB on April 25, 2022. ******* *** transfer its rights to NCB without your permission or signature. As a result of the sale, ******* gave NCB information needed to verify the debt is valid and owed. You are still bound by your original agreement to pay this debt. The difference is that NCB now owns the right to collect it from you and credit report it as permitted by law. Our initial letter to you stating that we had purchased this account and notifying you of your right to dispute or request validation of the debt was mailed to you on April 26, 2022.
This correspondence is the first claim of identity theft we have received regarding this account. NCB completed a thorough investigation of your fraud claim. The documents we have do not substantiate the allegations of your dispute and fraud claim concerning this account. Should you provide any additional information or documentation NCB will conduct another thorough review.
In a separate mailing, NCB will provide you documents sufficient to verify that the debt is valid including a copy of the loan application, the terms and conditions of the loan, a financial transaction history of the account and a copy of the bill of sale agreement between NCB and *******. The documents will be mailed to the address on the complaint.
In sum, NCB did not violate the **** or the ****** NCB had a permissible purpose to credit report your debt, the information we reported was accurate, and we met our obligation to investigate and respond to your disputes as required by law. NCB has updated our reporting to credit bureaus to reflect the status of your dispute. Should you have any further concerns, please contact us at ************.
Sincerely,
Clement N***********
Chief Compliance Officer
NCB Management Services, Inc.
************Initial Complaint
Date:08/31/2022
Type:Status:AnsweredMore info
Complaint statuses
- Resolved:
- The complainant verified the issue was resolved to their satisfaction.
- Unresolved:
- The business responded to the dispute but failed to make a good faith effort to resolve it.
- Answered:
- The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
- Unanswered:
- The business failed to respond to the dispute.
- Unpursuable:
- BBB is unable to locate the business.
I'm depressed and suicidal after dealing with the unauthorized use of my personal information. Which resulted in this unauthorized item on my credit report. I sent letters over 30 days ago and they failed to get back with me with sufficient validation. This account violates the FDCPA and must be deleted immediately because those are serious violations and I could be compensated for them.Business Response
Date: 09/20/2022
September 20,2022
***** ****
**** *************************
Huntsville, AL *****
RE:Complaint Number ********
Dear ***** ****,
Thank you for submitting your concerns and providing NCB Management Services Inc (NCB) an opportunity to respond. NCB’s goal is to work with consumers to resolve any differences that may exist.The referenced account was an auto loan, originating with ****** ******* *** (******) on September 28, 2017 for the purchase of a 2008 ***** *******. NCB purchased the account on April 19, 2021 from ******. As a result of the sale, ****** gave NCB information needed to verify the debt is valid and owed and assigned to NCB all of its rights related to the debt, including the right to collect and credit report the debt as permitted by law. ****** *** lawfully transfer its contractual rights to NCB without your permission or signature. As discussed in our April 20, 2021, letter NCB is now the current creditor to whom the debt is owed.
On August 30, 2022, NCB sent you over 10 pages of documents with sufficient information for you to validate that the debt is owed. This included a copy of the signed contract, the deficiency notice, a financial transaction history of the account and the bill of sale agreement between NCB and ******. In response to this complaint, NCB resent you another set of debt validation documents on September 9, 2022. The documents were mailed to the address on this complaint. We included a copy the loan application, terms and conditions of the loan, a financial transaction history of the account and a copy of the bill of sale agreement between NCB and ******.
Additionally, NCB investigated your dispute claim by reviewing the information your provided, the information provided by your original creditor and the information in our records. Our investigation confirmed the information we reported to the credit reporting agencies regarding this account was accurate, complete, and reported in compliance with the FCRA and Metro 2 credit reporting standards. Should you have documentation of payments that you believe have not been applied please provide a copy of these items to us so they can be thoroughly reviewed.
Please be assured that NCB will continue to honor your request as stated in the attachments to this complaint and make no further attempts at contacting you regarding this account. NCB has updated our reporting to credit bureaus to reflect the status of your dispute. Should you have any further concerns, please contact us at ************.
Sincerely,
Clement N************
Chief Compliance Officer
NCB Management Services, Inc.
************
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