NCB Management Services Incorporatiod Hamid K Young and Robert Gianotti Do no ive up to their promises in fact down right fraud Langhorne, Pennsylvania
Ok first let me preface this by saying I lost my job. Then due to the economy I had to let the car be reposessed. '
Chrylser sold the car for pennies on the dollar and I was upside down for 12K, they sold the account to NCB.
Now enter NCB. This fellow Hamid K. Young and I had all of 4 phone conversations. Each time I was called worthless and cussed out. I got to where I refused to even deal with this person. Enter stage right his boss Mr Robert Gianotti. Mr Robert Gianotti at least new how to hold a conversation without trying to make you feel like some sort of sub human trash like Mr Young did. We made arrangements to take a couple of my credit cards to pay these folks at 60% of what I owed.
The promises were as followed. (1) Chrysler Financial would remove the negative information from my credit report. (2) I would recieve a zero balance leter in the mail. (3) They would stop harrasing me.
The harrasing phone calls did stop, that was a good thing. However they have not lived up to their part as I did not recieve a zero balance letter and Chysler still has not and refuses to remove the negative remark from my credit report. I have Items one 1 through 3 in writing from several leters from Mr. Young.
So just so everybody knows that just because these credit agencies tell you something does not make it so.
There should be a law when folks call you on the phone and cuss you out that you can take them to court over that. I would bet they dont have the so called tapes of the recorded conversation.
I am wondering If now I can find an autorney and sew them for breach of contract.
1 Updates & Rebuttals
Ronald
Abington,Pennsylvania,
U.S.A.
re: NCB complaint
#2UPDATE EX-employee responds
Mon, August 02, 2010
Just an FYI to anybody reading these. I worked for NCB and many other agencies and I can tell you no one except the original creditor can remove negative information. No one should claim it and it rarely happens anymore unless you were a victim of identity theft of a legit dispute. If you settle with a creditor it will be listed in that trade line on your CBR as "legally settled in full". It will note a zero balance but will indicate it was charged off at one point. It's subjective as to a negative or positive depending on your current creditor. You can't make things disappear from your credit unless 7 years has elapsed (with no activity!)and you can notify the credit bureau's that the statute has run out-but they have no legal obligation to do that. Always get an agreement letter first as to your settlement and stick to it. It may take 30-60 days for the original creditor to update your report but many agencies will fax/mail you a letter after your payment clears stating it has been settled.