FLORIDA -- NCO is so bad, that in 2003, they have been sued 40 times for violations of the Fair Debt Collection Practices Act (FDCPA). These suits are usually filed when consumers are abused in violation of state and federal debt collection laws. NCO is a money-mill, gobbling up competitors, buying portfolios of old debts for pennies and expanding globally. These money-beggars are making their bottom-line profits at the expense and abuse of consumers. One wonders how many lawsuits are NOT being filed because consumers do not know their rights or that NCO CAN be held accountable for their illegal debt collection practices.
Apparently, NCO is not spending enough time and money to properly train their debt collectors in accordance with law, the FDCPA. Do they hire any derelict that may be in-between court and treatment dates simply to harass, abuse, and oppress consumers? There is no mention of drug testing at their website, so I assume you can get hired on at NCO if one has bad habits and a need for fast-cash. This must be a 'dream-job' for anyone with a prison record, drug habit, or any con artist out to scam some fast money off an unsuspecting consumer.
Are you aware of the personal consumer information these money beggars have access to? I shudder to think how much information is being illegally used at agencies such as NCO. You should be VERY nervous about the type of individuals who have this unprecedented and open access to ALL of your personal information. It may be just a matter of time until collectors start calling with accents from countries like India, Pakistan and... (ooohhh my gawd!!) NCO's CEO, Michael J. (kinky) Barrist seems to be astonishing Wall Street (NASDAQ:NCPM) with his financial wizardry. He certainly appears to be pumping up the bottom line. (One lawsuit at a time?)
In my experience, this type of greed and consumer abuse will catch up with NCO, just as it did with Commercial Financial Systems (CFS) and Outsourcing Solutions Inc (OSI). Both operations were out of control just prior to their filing for bankruptcy protection. CFS' top brass is facing federal criminal charges in highly anticipated court proceedings scheduled for later this year. One sure method to stop NCO's consumer abuse is for well-informed consumers to use the law to their advantage.
There are three things you can do to slow down the NCO collection process: 1) Within the first thirty days of receiving a written NCO collection notice, send a dispute notice, making demand for all documentation that substantiates their claim. 2) Use the FREE cease-comm letter on ANY NCO debt collector who threatens, intimidates, or abuses you. 3) Tape all debt collector calls (where legal) to use in future civil or criminal proceedings.
If you are receiving abuse from NCO, contact me for referral to a local consumer law professional in your area. NCO, with $800+ million in revenues last year, has more money than a South American drug cartel, so use the law to make them pay when they violate the laws and your consumer rights. Do not let NCO's under-trained, uneducated and FDCPA lacking debt-collectors make a paycheck at your expense. Big agencies pay big salaries to their ego-driven brass.
NCO should spend a lot more time training their collectors and dealing with consumer complaints, in this case BIGGER does NOT mean BETTER! (Except for Kinky and his top brass team of money beggars.) NEVER give a debt collector your banking or credit card information. NEVER trust a debt collector; they will lie to cheat you out of your money. NEVER do 'checks by phone' as debt collectors could empty your bank account with little or no accountability. REMEMBER: Debt collectors have NO power and NO authority and should NEVER be trusted. They will lie and cheat you to get at your money.
To start off, back in December of 2008 I was laid off from my job. I immediately had to cancel my cellphone service, because I could no longer afford it. I was subject to an early termination for each of the two phones that were on my account. I had a bill of approx 520$ that I needed to pay. I did not receive my unemployment compensation till the middle of February so I did not pay for those two months. I stopped receiving my bill and when I called the cellphone company they informed me that my debt had been sold to a collection agency.
I assumed that I could not pay my bill through the cellphone company anymore and that's how they portrayed it also. I did not receive nor did I hear anything from any collection agency until this past Friday when they called my husband's phone saying that they were NCO Financial trying to contact me about an important matter. They told my husband that I had listed him as a contact (not true). He gave them my information then called me to tell me that I needed to call a number and ext with a code that he also gave me. I called and looked up the company while I was waiting to speak to a representative.
When I found out that it was a collection agency I knew it had to be about the cellphone bill. After being on hold for over half an hour, I left a voicemail with my name and number for them to call me. They did not call me back, but instead called my husband again on Saturday. I called them and got a hold of a representative that same day. The first woman I spoke to was polite and asked me some questions (which I wish I had not answered now but I legitimately thought that it was just a means to get the debt cleared up), among them where my husband worked and who our checking account was through (I am so angry that I gave out that info! I feel like such a sucker).
She then told me that my debt was over 800$ and I told her that I disagreed with that amount and that I need something in the mail stating proof that I owe that amount before I pay them anything. I also told her that due to my unemployment I would not be able to pay the debt in full, but could make monthly payments or at the very least 200$. She asked if I would hold (had no idea she was transferring the call to a manager).
A man who said he was a manager comes on the line and demands to know my plan to pay off my debt. I told him that my plan was to get the paperwork in the mail that stated proof of what I owe and then to make the payments that I could make till it was paid off. He then went on to say "So I'm going to read between the lines and guess that what you're saying is that you'll pay it when you have the money," and I was so taken aback at his rudeness that I was kind of flustered after that and said, "No. That's not what I said at all."
Then he said "Well why can't you put this debt onto your credit card that you have through your bank," and I said that the card is actually primarily my husband's and he won't allow me to do that. The manager then said in a tone of disbelief, "Your husband and you do your finances separately?" and I told them that in this matter of a debt that was mine, yes. He then went on to basically say that he had heard this excuse a million times and that all I am going to do is take one look at a paper statement and decide not to pay then screen my calls and that they would never hear from me again.
He told me that I could write a check to the cellphone company, that he couldn't care less what I did, and that he was referring my care for "further action." He then told me to have a nice day and hung up on me. I was really upset after this phone call, I just want to get this debt cleared up and never be in this situation again. I just don't feel like I can get anywhere with this company. I don't even feel safe giving any money to them now.
If anyone could give me any advice as to what to do now I would really appreciate it. I was under the impression that I could not go back to cell phone company to pay them, but he made it sound like I could. Thanks to anyone in advance for any advice or knowledge shared.
NCO is now defined by my handle... NewCrimeOutfit. Just as my wife and I were first meeting, certain personal things occurred that led to the unfortunate delinquency and subsequently default of her student loans. As things began to settle down, we both began trying to get the loans back into active/current status, only to get the runaround from the original lender and guarantor leading to a world of acronyms for programs and worse: collection agencies such as DCS and NCO. That was 7 years ago and I am almost ready to give up on trying to find any reasonable solution for repayment of these defaulted student loans.
After opening communications again with Great Lakes Higher Education Guaranty Corporation, I find myself being forced by GLHEC back into the choking hands of NCO Financial (aka group, services, etc.). For the second time now they have done on AWG on my wife for her as yet unfinished degree. She is in a debtors' prison, unable to obtain her academic records to see how she might continue school and cannot even enroll because of the huge black ball of shame attached to a noose around our necks.
Fortunately, my wife's employer has volunteered to HOLD the AWG payment checks at corporate office until a reasonable repayment agreement (that we have requested) is offered to us. I openly asked reps of both GLHEC and NCO the other day if it is the God's honest truth that the ONLY way to get into the "Balance Sensitive Loan Rehabiliation Program" is through NCO. They both affirmed "YES." That doesn't ring true to me.
WHY is the government still directly or indirectly contracting with this outfit already fined $1.5-million by the FTC and under scrutiny of many State Attorneys General? How many of you here know of NCO being "kin" to OSI and offspring of SST -- all previously placed in the safety net of none other than JPMorgan Chase?! I am communicating with attorneys to see if I have been lied to by GLHEC and NCO... and I will post here if there is any genuine path for people who want to get back on track under the Federal Loan Rehabilitation Program.
I am also contacting various elected officials, including a State Rep, U.S. Rep, U.S. Senator and especially Attorney General of Florida, Bill McCollum. If there are other student loan defaulted borrowers from Florida that see this, please post comments below.
We need to make sure that this company is dealt with by an AG that does NOT tolerate abusive, deceptive or misleading practices by any business, especially collection agencies and more -- one outside of this State! Here is the Florida AG website: http://myfloridalegal.com/ - Select "Consumer Protection" from the left side menu and then click on "File A Complaint." Keep a look out for more info here soon. All consumer input welcome!
Here's what happened... I had a credit card account that was closed in 11/2004 and sold to NCO in 3/2005. NCO had contacted me soon afterwards, and I spent a month attempting to negotiate a settlement with NCO. On 4/30/05, I paid $1100 in order to settle the account which had a $1900 balance at the time. I now realize that I made a huge mistake by giving them my account information and paying over the phone. I also never received a letter from NCO stating that the account was settled.
I didn't hear from NCO for over 3 years, until they sent a letter to my parents' address in 11/2008. (I called the phone number on the letter and got transferred to several people. Each person told me that they had no information on this account or that I needed to call Citibank.) I made another mistake of assuming that this letter was a bogus letter. I recently went to a bank on 4/14/09 and found out that this isn't bogus. According to my credit report, I now owe about $2700 to NCO! I spent about 5 hours on the phone yesterday, trying to figure out what is going on.
NCO admits to receiving a $1100 payment from me, and I have requested my past statements from my bank as proof of payment. However, NCO will not acknowledge my $1100 as settlement. They are asking for me to provide things that don't exist -- a receipt/letter documenting the settlement (which I never received) & a copy of the front and back of a check that I never wrote (because I paid using account numbers over the phone). What do you suggest I do? Should I continue to dispute this balance with NCO directly? I can send a letter summarizing everything that has happened and requesting that NCO acknowledge my 4/30/05 $1100 payment as settlement.
I can also let them know that I will go to the State Attorney General. Should I dispute the current $2700 balance on my credit report with the credit reporting companies directly? I have been told that the balance might be removed from my credit report early, because NCO isn't acknowledging my $1100 payment as settlement.
Should I attempt to settle the balance AGAIN with NCO in order to get rid of the balance and save time & headache? (This is assuming that I can get NCO to provide everything needed in writing.) Is there another better option? Am I screwed until the balance is removed from my credit report in 2011? Will NCO still be able to take any assets from me after 2011? NCO Financial is the worst company that I've ever dealt with! Of course, I wish I had never gotten into this situation to begin with. I don't know what the best thing to do is now.
***CORRECTION: The $1100 amount above is incorrect. The number was given to me by NCO staff during my numerous phone calls with them on 4/15/09. (The dates are correct however.) I received a copy of my April 2005 bank statement today (4/17/09), as well as copies of two checks made out for $2000 and $1400 in 4/2005. So I now have proof of payment! I have asked NCO to fax me my account history, showing original balance, payment history, and current balance due. I am waiting for a response...
OXFORD, NORTH CAROLINA -- NCO FINANCIAL SYSTEMS attempted a Fraudulent Debt Collection "from HughesNet Internet Services" 1.11.07 - UNTRUE. No past due notices or payments in arrears! This company called my husband at work and said that our HughesNet satellite internet service was “two months delinquent (total: $200.00),” and that if we did not "pay either a $300.00 partial payment to terminate the 15-month agreement" or “pay in full $900.00 to have the service reinstated in 5-7 days,” we would be disconnected immediately. They insisted that a credit card payment over the phone was the only way to resolve this problem, and it had to be done immediately.
None of this made any sense, as I had not received any past due notices or email notices from HughesNet.com. When I said this, they said "We don't agree with HughesNet policies regarding overdue accounts, but that is how they handle delinquencies. And you are delinquent and scheduled for disconnect immediately.” When I continued to question them, they said the account was two months past due, at $100.00 per month, would only mean that I owed $200.00, if in fact it was past due (which it was not).
As I had been out of the country for the past four months AND had changed my credit card # of one of my cards, I thought this must be the problem and finally gave them my credit card #. Immediately afterwards, I was transferred to the “supervisor” who got my card code # and when he said I was to call HughesNet in 5 to 7 days to have my service turned back on a week later, I said "Wait a minute. Why is the service being disconnected for a week if I am paying half of the entire year's contract in advance?" When I refused to authorize the charge, they put the $900.00 through anyway after stating that they wouldn't!
I contacted Capital One Fraud Dept. who made a three-way call to them, including me, and they said it would take “7-10- days to issue a refund.” This is also not true. The following day I was able to reach HughesNet who said I was NOT delinquent, bills were being paid by my credit card account, and that they did not do business by calling people at work on the phone. Capital One has now cancelled my card since the number has been “stolen,” as NCO also had the three digit code on the back. I will be issued a new card expedited, so my own stupidity cost me $16.00. I can't believe that I finally got scammed!
I had been out of the country, could not find any account information while I was being threatened with “immediate disconnect” and caved in, since the girl on the other end kept saying “she didn't agree with HughesNet's policies, but even if I contacted them, I would just be referred back to her.” I could not get through to HughesNet at the first three numbers I found on the internet, did not have a reply to an email and had not received any contract information from them, so I ultimately believed the lies I was being told.
Luckily I contacted my credit card company immediately after and found that NCO had in fact run the $900.00 charge through immediately, and then I was able to contact HughesNet at 866-347-3292, and then report NCO. What a mess! I have seen that this company has scammed many, many people who have reported this all over the internet. They are blaming HughesNet, as I was, until I got in touch directly with HughesNet. I hope this terrible company can be put out of business, but I have found complaints lodged against NCO Financial Systems 1-800-688-3370 filed as far back as 2003. I am sure there are even earlier accounts.
NCO has the nerve to not even change their phone number! Luckily I don't believe that these criminals will profit from their lies. I hope this is the straw that breaks this devil's back! I have reported NCO Financial Systems (billed as “NCO FACS R. Meadows”) to Capital One, HughesNet and on various locations on the internet. I should report this to our Attorney General as well. What a bunch of crooks!
HORSHAM, PENNSYLVANIA -- This company has harassed me for several months with their debt collections and I'm not even the person they are trying to reach. After repeatedly, as in the dozens of times, telling them I am not the person they are trying to reach and that I have no information on the person they are trying to reach and that the number they are calling is my number and not connected to the person they are trying to reach, they still call multiple times daily. Now, they won't even identify themselves when they call but they can not hide their phones numbers from my phone company. I have phone company documentation that they called four times since early this morning.
Every reference I can find on NCO Financial Services indicates that they have a consistent record of violating both federal and state laws involving debt collection. That shows their lack of ethics and, naturally, honesty. I can reach no other conclusion considering they continually harass me and I am not the person from whom they are trying to collect and have told them so many, many times. This company needs to be shut down and its principals jailed.
After receiving nothing from Capital One for over 3 years, I received a notice in the mail from NCO. I called them the same day to inform them that the account was closed over 3 years ago. The woman I talked to pretty much called me a liar and told me I had to live up to my responsibility. She then told me she would accept a payment of 900 (on an original balance of 200). I told her that I would not pay that and that's when she told me then "further action would be taken." I again told her that the account was already paid; she said that she had no documents proving that and unless I had the cancel check I needed to pay.
Who keeps cancelled checks for over 3 years? I told her to have a nice day and hung up. I called back a few minutes later after looking for the paperwork and calling my old back (who also do not check cancelled checks after the account is closed) and tried to set up a deal to pay the account again. I spoke with 3 people who were just downright rude. When I asked why it has been 3 years since someone contacted me I was told that that was not their problem and I should have contacted them (on an account that was settled!!!). I told them that the settlement price they were asking was ridiculous and that the account was almost 10 years old.
They told me that they spoke with Capital One via email and that is what they offered. I asked to be forwarded the email and was denied. Then the woman on the phone started to yell at me that that was the offer, take it or I could pay the balance in full. I asked her not to raise her voice to me and she said that she was "tired of playing my games" that I needed to finally take responsibility for my actions. I then told her that I did not appreciate the attitude and rudeness that I have encountered since I first called and she said that she did not appreciate my attitude.
I told her that I have been very good up to this point and even offered to pay again for an account over 10 years old that I already paid for once. She told me that she would not continue to have the same conversation and either I pay for the debt or they would further action. That is when I get the payment information and told her I needed time to decide. What kind of company is this? I offer to pay and get belittled by them in the process. I am tempted to not pay just because I don't want any of those people getting any money from me after the way they acted!
I had two collection accounts that were bought by NCO. One I had paid in full in Jan 2007, and the last I just paid in full on Aug 06, 2007. I was informed that I would be charged nothing else and my other electronic payments would be cancelled. I check my account this morning and to my surprise I have an electronic check for $50.00 that was pulled on Aug 24, 2007. I have been on the phone with this company all morning, I was told to fax my copy of this check to a 877 fax number, but of course it will not go through. This is my fourth time faxing this info so that I may get my money back.
When I called again and asked to speak to a manager or supervisor I was told that the managers do NOT take phone calls. What type of company is this? I found information that this company has violated the Fair Credit Reporting Act and is charged with a 1.5 million dollar civil lawsuit. This company needs to be shut down and pay back everything it has wrongfully taken from consumers.
NCO Financial Services must by now be at the top of the new evil and hate regime. They totally disregard the laws we have had to make to prevent abuse by their industry. while most collection services work with their clients to solve the problem, NCO attacks...13 phone calls inside a ten-minute period because hung up on them after I was verbally abused with things like.... told what a low life-loser and idiot I was and "YOU signed the contract idiot, we don't care anything about the debt nor the circumstances. Except that you must pay it now!"
I called the company I owe Choice One Communications which is now part of CTC Communications, which does not deliver the promised services, for the stated prices after signing the contract, after you sign the contract, but I immediately sent a payment and told them on the phone I was doing so.
Today the phone calls from NCO, Kansas started again, so I called their corporate headquarters in Horsham, PA, to see if I could get the abusive calls to stop and who to file a complaint with IE the FCC or whomever or at least get them to remove what feels like a fascist jackboot from my neck so I can resume operating my business and pay this rip-off regardless of the circumstances. Corporate gave me the run around, obviously they have absolutely no regard for anyone else in our society except themselves and their predatory need to attack people that are already down or in trouble.
That have their Email addresses encrypted so that we cannot communicate with them Via-Email, they would then lose control over their battlefield against us. Lucifer must be dancing. Here are fines and such that have been levied against NCO yet they continue to wreak havoc on our lives. News report: ** Payment to State of Pa. (where they are headquartered), January 30, 2006. NCO Group, Inc., a leading provider of business process outsourcing services, announced today that it entered into an Assurance of Voluntary Compliance with the Commonwealth of Pennsylvania.
Under the terms of the Agreement, NCO specifically denies that it has engaged in unlawful or inappropriate business practices, and has agreed to pay the Commonwealth $300,000 to be used towards the costs of the investigation and/or future public protection purposes. The Agreement also requires NCO to comply with consumer protection laws and to maintain certain policies and procedures designed to facilitate and monitor its ongoing compliance.
Commenting on the Agreement Michael J. Barrist, NCO Chairman and CEO stated; "It has always been our policy to work with regulators to assure that we are promptly and effectively responding to consumer issues. As the largest provider of Accounts Receivable Collection services in the world, NCO contacts consumers approximately 400 million times per year.
Although we provide our services on a national basis, a disproportionate number of consumers look to the Commonwealth for assistance because we are headquartered in Pennsylvania. I am very pleased we were able to reach this Agreement with the Commonwealth since it resolves all issues to date and, more importantly, provides for a positive working relationship in the future."
PENNSYLVANIA -- I have had credit cards since 1987 and have paid them all on time. In June of 2004, I ran into some serious financial problems. The result was either pay my home and cars or pay the credit card companies. When I immediately realized I was in trouble, I searched the web and found a Credit Counseling Company called MMI (Money Management International). They took all my information and were very helpful. It took some time, but I eventually got responses back from all my creditors and the news wasn't very good.
Of the cards I owed money on the following were PERSONAL.... (Amex Platinum), (Amex Platinum Signature Loan), (Citibank Visa), (Discover) AND the following were BUSINESS (Amex Blue - Sole Propietorship), (Amex Blue - Corporate). It would be worth mentioning that my sole proprietorship was taken over by the corporation. Anyway... when MMI came back to me with a negotiated payment, it was MORE than my regular payments to the credit card companies that I already couldn't afford AND it didn't include any of the AMEX Business cards. I tried in good faith to work out a deal with both MMI and the credit card companies to no avail. No one would budge.
So I was only left with one thing to do, and that was to not pay anyone. I received calls and letters from many collection agencies since June of 2004, but I have been able to avoid speaking with them directly. One collection company NCO Financial called all my surrounding neighbors, have been calling my family members repeatedly after being told not to call, and they have contact my employer over and over again. My boss told them not to call, yet they play this game that (the person who called) had never called before, yet they hand it off to another person to call the company. I live in Pennsylvania which I think has a statute of limitation of 3 years.
I have about 14 more months to go before I reach the 3-year mark. I have several questions since everyone here seems so knowledgeable..... How do I get NCO to stop calling my friends, family, employer and neighbors? Should I wait the 3 years? Should I contact a lawyer to see if he can get affordable terms for repayment? Should I file personal bankruptcy? Right now with my breather of time since June 2004, I would be able to pay about $1000.00 per month. My total credit card debt with interest and penalties and late fees is approaching $78,000.00.
In a five-year repayment plan at 1000.00 per month, that would be 60,000 which is about the original principle. It's sad because I truly wanted to make a deal in June 2004, yet the credit card companies wanted to play hardball. I could have filed bankruptcy prior to the law change and had it all wiped out, but I really feel obligated to repay my debts. I am not a dead beat, just someone who feel on hard times. What do you all think?