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 subrogationMr [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 reproachIf the police report would not of identified? Mr [redacted] in error then our agency never would of contacted him in regards to the collisionAlso 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 aloneThey 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 notAlso 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***Compliance and AssuranceNational Service Bureau, INC[redacted] nsbi.net
To Whom It May Concern: ? I have taken this opportunity to review this complaint and interview the rep who was named in this complaintI believe there has been a miscommunication, the rep works for NSBI in the Subrogation unitThis unit does not handle consumer debts, they only handle State Farm claims which are a? civil tort claimsI 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***
Complaint: [redacted] I am rejecting this response because: ? Dear MrP***, 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 impersonation ? ? Quoting falsely that the driver behind his client's vehicle owes over $ 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 MrP [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 forNor do I appreciate the threat of my license suspend if I didn't pay the demanded amount in full immediately? MrState Farm Sub Agent would have me believe that No Insurance Coverage means automatic 100% fault and 100% liability for all damagesNo 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 MrState Farm called and threatened a person who is not the driver nor is the vehicle registered owner? But per MrState Farm is required by law to show proof otherwise directly to him.? Thank you for contacting MrState Farm MrP***? 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 bogusIt appears your company is a collection agency and State Farm hands you assignments with balances that are bogus and unsubstantiated? ? Regards, [redacted] ***
After reviewing the consumer concerns as well as the complaint filed with the CFPB, it was decided to close this file and return it to our client ? No further calls will be place to the consumer ? Thank you R P [redacted] Vice President of Operations
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 MrP [redacted] was extremely helpful in resolving my issue and very courteous and patient in explaining the status of my claim ?
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 MrP [redacted] was extremely helpful in resolving my issue and very courteous and patient in explaining the status of my claim
To Whom It May Concern, ? I have taken this opportunity to review this complaintI did have a one sided conversation with the consumer who would not allow me to speakAs to her complaint, she had asked that no more calls be made to her, we have removed the phone numbers on the fileI have asked our client to forward a copy of what? is owed under the FDCPA to the consumer ? Thank you, ? Bob P [redacted] ?
To Whom It May Concern, I have taken this opportunity to review this complaintI did have a one sided conversation with the consumer who would not allow me to speakAs to her complaint, she had asked that no more calls be made to her, we have removed the phone numbers on the fileI have asked our client to forward a copy of what is owed under the FDCPA to the consumer Thank you, Bob P***
I am rejecting this response because: 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 [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 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 [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 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 [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 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 [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 I do not believe Mr [redacted] 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 [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 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 Sincerely, [redacted]
I have taken the time to review the fileTo date, NSBI has had no contact with the consumerI show we have reached her answering machine, but never had a actual conversation with the consumerAt this time I have closed the file back to our client No further attempts will be made to the consumer from our office Thank you, R P***
Based on the information supplied, I was unable to find an account for this consumerI have looked under the name, address, and phone numbers supplied, I was unable to find this claimIf the consumer has the [redacted] claim number, I will be able to respond to her concernsMy guess based on what is in this complaint, the information supplied was forwarded to [redacted] and it was determined to be the wrong partyI will not know this for sure until the consumer supplies the claim number
I have taken this opportunity to review the complaint as well as the notes on the fileThe name of the person who filed this complaint is NOT the same person who we have on the claimI have removed the number that was supplied in this complaintNo further calls will be placed to this number If you have any question, feel free to contact me at 206-629- R P***
I am rejecting this response because: ? 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 [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 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 [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 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 [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 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 [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.? I do not believe Mr [redacted] 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 [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 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 ? Sincerely, [redacted]
National Service Bureau was notified that Dr [redacted] is represented with legal counsel and we have since been in contact with her attorney providing to them the documentation regarding her account? ? ? ?
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 meSincerely, [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 months! A simple call to the TennDeptof 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] ***
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 [redacted] not StephanieHer direct line is [redacted] 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 [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 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
To Whom It May Concern I have reviewed the consumer's complaintI show the consumer was accident on June 18, In an effort to get State Farm their money back it took the consumer almost two years to repay what was owed on this claimSince NSBI was not the one who suspended the consumer license, NSBI sent the release to State of ILas this is the state where the consumer livesOnce it had been determined the license was suspended in GAThe new release was sent to the stateAt this point the release has been sent and NSBI has no control how long the state will take to release the consumer license If you have any further questions, feel free to contact me at 206-629- Thank you, R P***
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 onceI 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 paidI also never received any documentation by mail regarding this claimPlease provide verification that you mailed out the appropriate documentation when you first received this account Sincerely, [redacted]
To whom it may concern: ? I have taken the time to review the file and talk with the employeesThe employees have followed the Fair Debt Collection Practices Act (FDCPA)NSBI rec'd the consumer dispute over the phoneWe have been in contact with our client and requested validationAll collection efforts have ceasePer our contract with our client, we are not allowed to give out the person name and their direct phoneAs to the reporting on the credit file, the account has been documented as disputedOnce the validation has been rec'd it will be forwarded to the consumerNo further collection efforts will be made on this account while waiting for the validation ? Thank you, ? RP***
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 subrogationMr [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 reproachIf the police report would not of identified? Mr [redacted] in error then our agency never would of contacted him in regards to the collisionAlso 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 aloneThey 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 notAlso 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***Compliance and AssuranceNational Service Bureau, INC[redacted] nsbi.net
To Whom It May Concern: ? I have taken this opportunity to review this complaint and interview the rep who was named in this complaintI believe there has been a miscommunication, the rep works for NSBI in the Subrogation unitThis unit does not handle consumer debts, they only handle State Farm claims which are a? civil tort claimsI 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***
Complaint: [redacted] I am rejecting this response because: ? Dear MrP***, 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 impersonation ? ? Quoting falsely that the driver behind his client's vehicle owes over $ 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 MrP [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 forNor do I appreciate the threat of my license suspend if I didn't pay the demanded amount in full immediately? MrState Farm Sub Agent would have me believe that No Insurance Coverage means automatic 100% fault and 100% liability for all damagesNo 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 MrState Farm called and threatened a person who is not the driver nor is the vehicle registered owner? But per MrState Farm is required by law to show proof otherwise directly to him.? Thank you for contacting MrState Farm MrP***? 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 bogusIt appears your company is a collection agency and State Farm hands you assignments with balances that are bogus and unsubstantiated? ? Regards, [redacted] ***
After reviewing the consumer concerns as well as the complaint filed with the CFPB, it was decided to close this file and return it to our client ? No further calls will be place to the consumer ? Thank you R P [redacted] Vice President of Operations
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 MrP [redacted] was extremely helpful in resolving my issue and very courteous and patient in explaining the status of my claim ?
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 MrP [redacted] was extremely helpful in resolving my issue and very courteous and patient in explaining the status of my claim
To Whom It May Concern, ? I have taken this opportunity to review this complaintI did have a one sided conversation with the consumer who would not allow me to speakAs to her complaint, she had asked that no more calls be made to her, we have removed the phone numbers on the fileI have asked our client to forward a copy of what? is owed under the FDCPA to the consumer ? Thank you, ? Bob P [redacted] ?
To Whom It May Concern, I have taken this opportunity to review this complaintI did have a one sided conversation with the consumer who would not allow me to speakAs to her complaint, she had asked that no more calls be made to her, we have removed the phone numbers on the fileI have asked our client to forward a copy of what is owed under the FDCPA to the consumer Thank you, Bob P***
I am rejecting this response because: 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 [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 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 [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 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 [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 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 [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 I do not believe Mr [redacted] 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 [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 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 Sincerely, [redacted]
I have taken the time to review the fileTo date, NSBI has had no contact with the consumerI show we have reached her answering machine, but never had a actual conversation with the consumerAt this time I have closed the file back to our client No further attempts will be made to the consumer from our office Thank you, R P***
Based on the information supplied, I was unable to find an account for this consumerI have looked under the name, address, and phone numbers supplied, I was unable to find this claimIf the consumer has the [redacted] claim number, I will be able to respond to her concernsMy guess based on what is in this complaint, the information supplied was forwarded to [redacted] and it was determined to be the wrong partyI will not know this for sure until the consumer supplies the claim number
I have taken this opportunity to review the complaint as well as the notes on the fileThe name of the person who filed this complaint is NOT the same person who we have on the claimI have removed the number that was supplied in this complaintNo further calls will be placed to this number If you have any question, feel free to contact me at 206-629- R P***
I am rejecting this response because: ? 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 [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 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 [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 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 [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 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 [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.? I do not believe Mr [redacted] 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 [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 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 ? Sincerely, [redacted]
National Service Bureau was notified that Dr [redacted] is represented with legal counsel and we have since been in contact with her attorney providing to them the documentation regarding her account? ? ? ?
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 meSincerely, [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 months! A simple call to the TennDeptof 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] ***
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 [redacted] not StephanieHer direct line is [redacted] 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 [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 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
To Whom It May Concern I have reviewed the consumer's complaintI show the consumer was accident on June 18, In an effort to get State Farm their money back it took the consumer almost two years to repay what was owed on this claimSince NSBI was not the one who suspended the consumer license, NSBI sent the release to State of ILas this is the state where the consumer livesOnce it had been determined the license was suspended in GAThe new release was sent to the stateAt this point the release has been sent and NSBI has no control how long the state will take to release the consumer license If you have any further questions, feel free to contact me at 206-629- Thank you, R P***
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 onceI 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 paidI also never received any documentation by mail regarding this claimPlease provide verification that you mailed out the appropriate documentation when you first received this account Sincerely, [redacted]
To whom it may concern: ? I have taken the time to review the file and talk with the employeesThe employees have followed the Fair Debt Collection Practices Act (FDCPA)NSBI rec'd the consumer dispute over the phoneWe have been in contact with our client and requested validationAll collection efforts have ceasePer our contract with our client, we are not allowed to give out the person name and their direct phoneAs to the reporting on the credit file, the account has been documented as disputedOnce the validation has been rec'd it will be forwarded to the consumerNo further collection efforts will be made on this account while waiting for the validation ? Thank you, ? RP***