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.
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...
HORSHAM, PENNSYLVANIA -- 1st NCO never billed me for a medical bill; but, the bill was reported to the collection bureau - l learned of it when my credit report was checked. 2nd in good faith I provided them with my bank account routing info., that they may debit my checking account on my pay day, a week later. However, they withdrew funds on the same day. Consequently, Medical debts incurred after I had gone to the emergency room (which I plan never to do again in life). Then on last Thursday 9/5/2013 I pre-settled three debts, including NCO.
NCO is the only collector that did not bill me, at all. NCO was the only collector to misrepresent themselves by withdrawing funds out of my checking account on the date that I did not agree to. When I asked them to return the funds and debit my account on the agreed upon date, they (describe this act of congress) needed my banking info, put me on hold to rid me. I eventually hung up.
This was my 2nd call to NCO that my 1st comment was after review of my files "I need you to take the money out of my account on the agreed upon day." The team lead Ms. ** did not listen; she immediately said, "When you called earlier today you were OK with this mistake."
Oh, when I called and ask for a manager, no can do. Of course, I was placed on hold and my call was disconnected several times. By the way, they have caller ID and know who is on the line. I hope and pray never to deal with them again in Life! Their service is poor and I will report this to the credit bureau. Ms. ** never offered to pay any fees that I incurred due to their neglect.
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!
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!
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.
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.
Within minutes of getting a number installed I started getting computer message calls telling me to call this John ** and the number comes up as belonging to NCO Financial when I Google it. I know they are not looking for me as the calls started within minutes of the phone being installed so there is no way anyone looking for me can get access to a new number that fast.
My complaint is partly because it is a computer calling and there is no way to tell the computer you are not the person. And they do not say who they are looking for and I am not going to call a collection agency and give all my personal information just to try to fail to tell them not to harass me looking for someone else as collection agencies never listen when you tell them you are not the person they want. Also if it would have been a live person calling I have to use a TTY machine so there is no way I can respond to a person calling without going through the relay service first.
PHILADELPHIA, PA, PENNSYLVANIA -- I receive an automated message every single day including Sunday morning!! There is absolutely no way to reach anyone there - I am recently divorced and they are not likely to be looking for me... I recently refinanced and have a near perfect credit rating and no outstanding debts. These people are so disdainful. I would not even help them find my creepy ex-husband. They are on their own with that.
I sent a letter to their headquarters warning them that I will join the class action lawsuit against them if I get one more phone call. All they do is buy old bad debt that someone else couldn't collect and see if they can get a few pennies on the dollar when really it's is non-collectible... They just harass people into paying some portion of the bill and it all goes to them! What a racket!
SAN FRANCISCO, CALIFORNIA -- Okay I decided to tackle a bill I owed for medical reasons, it wasn't much - just $1500. I got a call only one from NCO, Googled the crap out of them and figured out they bought the debt. Also Googled getting a debt company off your back and discovered that one can pay pennies on the dollar, to what the actual debt was. I sent them a letter to this effect stating I can afford $387 would you accept this as payment in full and if so please remove this delinquent status on my credit report. (Got a legal copy of the letter online.)
Here's my problem, the letter just got returned to me under "Not Deliverable as Addressed" NCO Financial Systems Inc. 21250 Hawthorne Blv, Suite 400 Torrance, CA 90503. Can anyone help me with the correct address AND am I going about this the right way. Again I do not dispute the amount owed, I just cannot afford the full amount.