NCO Financial Systems Harassment

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Posted by Squeekie on 02/02/2006
I have a debt filed against me with NCO. The man that first contacted me identified himself a lawyer. he kept telling me he needed the money now tonight ect ect. I told him it would be about 2 weeks b4 I could have 2500 dollars. he refused to give me time to get it. called me a liar, screamed at me and told me if I couldn't get it from family they obviously don't trust me.
He then called my husbands work (after I told him he can't be reached there) called the manager a liar when she said he couldn't come to the phone divuldged information about the debt to her . screamed and yelled then slammed the phone down, called my husbands cell . he (husband) called him back when he got a few minutes was all cordial and readily agreed to have the money in 2 weeks. Go figure??? why not do that for me?

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Posted by DebtorBasher on 2006-02-02:
If he was a real lawyer, he would have been aware of all the violations he created for NCO...There is alot of red tape to go through before NCO has an attorney handle an account, and in most cases,not worth it to NCO, unless it is a very large amount...Wouldn't he be surprised if you had your own attorney calling for him????
Posted by squeekie on 2006-02-02:
debtorbasher-Yes this guy was a total creep. Like Im supposed to believe he is an attorney and one would be contacting me the first call from the company. I would love to get my own lawyer, but I can't afford one. I would love to see the look on his face if it happened though. I would love to get into a class action with NCO. I just don't want to see this happen to anyone else. I feel for all the poster that have been abused.
Posted by DebtorBasher on 2006-02-02:
Maddy can give you some good advice as far as the legal side...that is his specality and I'm sure he will respond to you.
Posted by squeekie on 2006-02-03:
hey thanks I will check it out.
Posted by Mad Eye Moody on 2006-02-03:
I emailed you squeekie...you CAN afford a lawyer. Many will work on contingency. If you sue NCO and win, then NCO will have to p/u the tab for your lawyer's fees.
Posted by squeekie on 2006-02-03:
Thank you MEM, I got the email and Im already working on looking for a consumer rights lawyer. I don't want to do this for the money but for the ethics behind the whole darn problem. I hope more people step up to the plate and take action against these type of violations.
Posted by ejack053824 on 2006-02-03:
Sue their punk asses like I did. There is no reason for them to harass you. Whenever I have a problem that needs an immediate answer regarding debt collection violations I go to www.budhibbs.com . You can email Bud directly and he does respond.
Posted by Mad Eye Moody on 2006-02-03:
He's no Mad Eye...but he plays for the right team. Also...DO it for the money...why not. The worst thing you can do to a CA that harasses you for money is to take some of theirs.
Posted by DebtorBasher on 2006-02-03:
Bud Hibbs...grrrrrrrrrrrrrrrr
Posted by DebtorBasher on 2006-02-03:
My tongue is bleeding from biting it so hard.
Posted by squeekie on 2006-02-03:
you guys are awesome. thanks for all the advice. I will check out bud and Hey the money would be nice. Not like I couldn't use it.
What really gets to me is that the original creditor condoned the actions of NCO. I couldn't believe my ears. Also the original creditor has know of my problem for a long time. and the funny thing i was only a few months behind on the card.
Posted by ejack053824 on 2006-02-03:
Squeekie....NCO is a bottomfeeder collection agency. They are so full of shyt it oozes out of their ears. I dealt with those buttburglars once and took them to court and won. I hope you do the same.
Posted by ejack053824 on 2006-02-03:
Basher what is your problem with Bud? Did he piss on your parade?
Posted by squeekie on 2006-02-03:
I am definately willing to sue!
Posted by DebtorBasher on 2006-02-04:
EJ: No one DARES to do such a thing to me!
Posted by DebtorBasher on 2006-02-04:
although...that would be better than what you did on my blog today!!!!!
Posted by lawyergirl on 2006-02-11:
Sqeekie, I was an NCO attorney until February 2nd, what was this lawyer's name? Because there were no9 male attoirneys left when I left, and the one that was there was soft spoken. Let me know because the reason they fired me was because I violated the FDCPA by leaving a message that was an attorney, but their abuses are rampant and overlooked by them
Posted by squeekie on 2006-02-12:
His name was Jason. I don't think he was a lawyer. He was very rude, yelled alot and called names. I don't believe for a second he was a lawyer.
Posted by ejack053824 on 2006-02-18:
Yell back at his punk ass and tell him to go fck his momma!
Posted by squeekie on 2006-02-19:
Ejack, I would loved to have yelled back. But I didn't so much as raise my voice. Funny the calmer I stayed the more p' off he'd get. I got way more enjoyment out of that.
Posted by Kimmie79 on 2006-02-21:
Hi there, I was glad to see someone else had the experience I did, so I am not crazy. In like November NCO left a message like I needed to call them back right away or else. So I did this, and the guy acted like a lawyer and said that discover gave me until that coming friday to settle my bill, or I would be taken to court and they could take whatever they could to settle my debt. I was in tears and he kept saying that discover will not take payments etc. I had to settle within the couple days. He was telling me to sell this or that, or borrow money from family etc. I decided to call discover myself and the supervisor said that they would not take me to court, and I could make payments, she said herself he was just trying to get paid. I was infuriated because I almost borrowed all that money from my parents which was humiliating in itself. I wanted to complain about the guys threats at the time, but didnt know if they were valid or would go anywhere.
Posted by squeekie on 2006-02-23:
I feel for you. The guy I talked to kept telling me the same thing.Im glad you called discover and talked it out with them. What was done to you is grounds for action. More people need to take them or others will get walked on too. I have since paid this debt, but Im still going after NCO for what the agency did to myself and My husband. I also paid Sears directly (even though NCO said that sears wouldn't take money from me. Yeah, Right) So he didn't get his commision. Listen to Debtorbasher and Madeye. they seem like good people and give good advice.
Posted by $isking on 2006-02-26:
you guys are funny. You had chances to deal with the client before it went to collections but noooooo, now a agency calls you and all of sudden want to pay the client. Well surprise it does not matter who you play NCO does get paid and the collector gets his commision and the debt is paid and you are left with it on you credit report for 7 long years. Just pay your bills on time and that is the best way to put NCO out of business no debt no calls. Good luck in your sad lifes. Blame the agency for asking you to pay back a debt you owe.
Posted by squeekie on 2006-02-27:
Actually I never blamed the collector for trying to collect money, just his rude, abusive behavior. which by the way there are laws against. and before assuming people just choose not to pay their debts maybe you should assume there may be a reason for it. Lost job, sick kid or other ill family member. whatever it may be. and working with the client directly doesn't always work. they can be just as rude and unwilling to work with you.
Posted by mr.canada on 2006-03-08:
My wife and I have been recieving calls from nco in montreal for what I assume is my daughter's student loans. I have tried to be polite with this Mrs. Mancuso person, however my patience ran out yesterday when she decided to get personal with my wife. I called this lady back at 1 800 379 4192 extension 4212 and I let her have it with both barrels. What turned this ugly was the fact that she did indeed speak with my daughter a month ago at my residence. The fact is, however, she hasn't actually lived here in over five years, and she was just visiting at the time. Mrs. Mancuso decided that my daughter did live here because she heard her voice on the answering machine. I asked her to record that because we had no clue how to do it. Sorry, we're not that technically savvy. So, she leaves a message on MY answering machine that said " Ha! Mrs.******, now I know you live there and I will be calling you back. As far as your husband or whoever he is is concerned, you tell him that I can call a hundred times a day if I want and there is nothing you can do about it!!!!". And then she hung up. Her mistake was to give me her phone number, so I called and informed her that she has but one choice and that is to leave me the hell alone and not to call anymore. If she does I will sue her. Not her company. Her. She got a little snotty about that, but I do inteand to sue her if she call here again. After all, I am retired and I have two brothers who are Bay street lawyers. I have nothing but time to kill and money to burn. I don't really care about the money, or recouping losses due to emotional trauma. I want blood. My pound of flesh. Wanna piss me off continously?? Be prepared for the ass reaming of a lifetime lady, because here it comes.
Posted by squeekie on 2006-03-08:
are you actually in Montreal? I am assuming you are because of your user name. I have no idea of the laws in canada. but here they vary state to state. But in the end its all the same they can't personally attack you, call you names, make threats,ect ect. I suggest You do sue . if net her the company. Im sure there are a few good guys there, Like debtor, but for the most part they think we are their whipping horse. Not me , no way no how.
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NCO Financial are harassing
Posted by Jkwalczewski on 08/29/2012
I have NCO Financial that call me literally 10 times a day. I have told the repeatly to stop calling me on the weekends and at night. If they need to call do it during the morning. They told me that to stop the calls I had to pay the debt. I told them to mail me a letter to valid the debt they claim I owe and they told me they can't do that. They told me they could valid it over the phone. It's frustrating and I can't get them to stop calling.
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Posted by Slimjim on 2012-08-29:
Unless something dramatically changed, which I doubt it did, i believe they can only call you once a day by law and certainly do have to provide proof in writing upon request. I recommend doing a search and talking to an FDCPA attorney. What they do is teach you how to gather evidence, then when violations can be proven, they will go to NCO and demand payment to you in the amount of the fines that could be levied against them. I believe they threaten to sue and/or contact the authorities if a quick settlement isn't issued. I'm not sure on specifics, but I do know this is what these type of attorneys do and I think you have a good case.
Posted by madconsumer on 2012-08-29:
one way to get this sorry company off your back is send them a certified return receipt letter demanding proof of debt. often times this is enough to halt them.

one thing to remember is, there is a 7 year limitation on most debts. if you can hold out that long, they will stop calling.

NEVER ever NEVER give them your checking account number, credit card number, don't even ever send them a check.
Posted by DebtorBasher on 2012-08-29:
They can call you throughout the day until they make contact with your OR leave a message for you. If the call is going unanswered, It will recycle in the dialer until contact is made or a message is left. They can only leave one message per day per phone number (Some State laws have different requirements for contact/left messages). Someone answering the phone and saying, 'he/she isn't home' and doesn't take a message is NOT considered a debtor contact or message left unless they state the company name. Validations of a debt is NOT done over the phone, it can only be done in writing and you would want to send it certified with return reciept, because they have to , by law respond within 30 days from when they recieve it. A verbal request for no calls is only temporary, you HAVE to follow it up with a written Cease & Desist letter, sent certified with return reciept. Only a request for no calls at work can be done verbally and that can be done by the debtor OR anyone at the work place who may screen your calls, or manager etc...but it's best to back that up with a written request. Once you get the return reciept back, confirming they recieved you C&D letter, they can not contact you at that/those number(s) so, keep record of any calls if they call you from that point on, that is the proof you need if you file a lawsuit against them. Trust me, I know...I worked at NCO, training the collectors in FDCPA and State Laws.
Posted by jktshff1 on 2012-08-29:
+1000 DB
Posted by MEM_2012 on 2012-08-29:
Debtor Basher...how do we know you actually worked there? Just because you have all those stars doesn't mean you're telling the truth.
Posted by DebtorBasher on 2012-08-29:
MEM...I guess you don't, do you?
Posted by yoke on 2012-08-30:
DB, what do you do when they have the wrong number? I have an agency (not NCO) that keeps calling my cell. I am pleasant and tell them they have the wrong number and they tell me no they do not.
Posted by clutzycook on 2012-08-30:
Yoke, I think you have to send them a C&D letter as well.
Posted by DebtorBasher on 2012-08-30:
Yoke, Clutzy is correct. Send them a C&D letter stating they are calling the wrong number and you do not want anymore calls at that number.
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Harassing Calls
Posted by Sue u on 04/07/2010
I just bought a new cell phone 2 months ago and have received over 400 calls from NCO asking for a man that had this number before me. I said I'm not tony will you please stop calling me, yes they replied we will take your number off our calling list.

Guess what, it's still going on right now, they don't give up and I've hired an attorney that will take them to the cleaners, already filed suit in Alabama.

They are crooks and crazy, if you work for NCO see ya in court next month.............
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Posted by goduke on 2010-04-08:
You may want to ask for their address, and send them a certified letter saying that you are not the person who they have as the person of record for the phone number, and demanding that they cease and desist all calls to the phone number. That kind of documentation is really handy to have if you go in front of Judge Judy because they keep calling after receiving the letter.
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Posted by Ansje on 09/25/2009
TAMPA, FLORIDA -- I received a letter from this company two days ago. The letter stipulated that I have 30 days to dispute the debt. My letter disputing this debt is in the mail. However, before even 3 days pass, I am receiving calls from this company on my cell phone. The caller I. D. is "unknown". These calls use up precious minutes on my cell phone. Why do they not wait for the 30 day period to expire before the harassing calls begin?

These debt collection companies should be regulated to stop harassing people.

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Posted by DebtorBasher on 2009-09-25:
They don't need to wait 30 days to start contacting you by phone. As long as they sent the initial notice to you before they started calling, there are no violations.
Disputing a debt will not stop contact with you. If you want the calls and or letters to stop, you need to send them a cease and desist letter requesting that. If you do send them one, you should send it certified with return receipt. You also have the right to request a validation of the debt, in which they will have to send to you within 30 days from receipt of that request. Again, it would need to be sent certified with return receipt so you will have proof of when they received it. If you go to my blog, you will find a link that will have copies of those letters. All you have to do is fill them out then send it to them. Them contacting in the way you described above is not considered harassement. If they are using the phone number you provided to the original creditor, that was your permission given for contact regarding that account...it doesn't matter if it is the original creditor or someone representing them in collecting on your account. There is the gray area where a collector is not to cause a debtor cost for contact. This was originally meant regarding calling the debtor collect. However, that law, being written before the use of cellphones is being changed because some people ARE charged for the minutes used on their cellphones and can be looked at as the agency causing cost the the debtor. Now that more people use cellphones instead of landlines, they are making changes to that law to allow cellphone contact. Let me explain how I handled this issue when I trained our NCO collectors on the FDCPA. If the collectors are not aware they are calling a cellphone, they are not violating anything. However, I instructed them that once they were told it was a cellphone and the debtor requested no calls on it, even if the request was verbal and not in writting, I had the collectors remove that number from the account and document that it is a cellphone. Some debtors were willing to give us another number to reach them at, others didn't. If the collector was aware it was a cellphone when they called, I would have them get permission from the debtor for further contact on that number. As long as we had documentation stating they were given permission, there would be no chance of any violations. Many agencies have a problem with this and that is why they are now making changes in the laws to allow collectors to contact debtors on their cellphones.
Posted by DebtorBasher on 2009-09-25:
For as many people who have unlimited call plans now, it is surprising at how many have to pay for their minutes when they get a call from a bill collector, but not from friends and family....and that is another issue collectors have with cellphones, we don't know what kind of plan people have. Some have to pay for their minutes, others just pay a basic price for unlimited use.
Posted by PepperElf on 2009-09-25:
who says you have to answer the phone?
Posted by DebtorBasher on 2009-09-25:
Geesh Pepper, after all my typing...I could have gotten away with it as simple as that? LOL!
Posted by DigitalCommando on 2009-09-25:
I never answer a call that does not have caller ID associated with it.
Posted by Anonymous on 2009-09-25:
If I don't know the number, I don't answer it.
Posted by PepperElf on 2009-09-25:
only reason i do is cos sometimes my boyfriend's phone comes in as "unknown"
but he's been calling me on skype lately cos i only pay for the phone number once a year
Posted by Anonymous on 2009-09-25:
That's why my kids have Cricket Phones. Best deal going for 50 bucks a month.
Posted by ansje on 2009-09-25:
DebtorBasher, your information was very helpful. Thank you. What I discovered could do was locate the 'unknown' debt collector's number and block it. Paying for unwanted incoming calls and voicemails can eat into your minutes. BTW, can I call 800 numbers from Skype for free?
Posted by DebtorBasher on 2009-09-25:
You're welcome. Please keep us updated.
Posted by ansje on 2009-09-25:
Sure will. Just signed up for Vonage and now trying to find the best way of 'unbundling' TV and Internet. I don't watch much TV so I guess the basic channels would suffice. Can you advise on the best internet service?

Posted by wrestler70monarch on 2009-12-23:
NCO collections will be in Chapter 11 themselves after buying Mann Bracken in early 2010
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Posted by Manatee90 on 06/01/2009
I have been divorced for two years and the Capital One card we had has been placed with NCO. I explained to the NCO representative that I don't hardly get child support and that my paycheck hardly covers my bills. She rudely informed me that they could garnish all of my wages until this was paid down. I gave her my ex's contact information and thy still rudely contact me at work and at home at all hours of the day and night.

I tried to come up with a small monthly amount to try and satisfy the debt but they wanted 900 in full now when the original balance was 300. The people are rude and very unprofessional.
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Posted by DebtorBasher on 2009-06-01:
They can still try to collect from you if your ex doesn't pay them. However, they can only call you between 8am and 9pm in your time zone. They can not threaten to garnish your wages unless they actually have intent to do so, and the collector has NO way of knowing who would be garnished. If you want them to stop contacting you, go to my blog and click on the link there. You will then find a cease & desist letter that you can fill out for them to stop contacting you by phone at work and at home/and by mail if you wish. Be sure to send it certified with a return receipt and BE SURE to keep it with your records. If they contact you after receiving that letter, they will be in violation of the FDCPA and you can file suit against them. If you're willing to pay a smaller amount than they want, then do so with a money-order, send them what you can, they can not refuse it...but that will not stop the calls. As long as you're in collections, they can call you...unless you send them that letter requesting no phone contact. If your husband was ordered through your divorce to pay the bills, that is between you, your husband and the court, not the creditor. Sometimes the non-responsible ex-spouse has to pay the bill, then take the other spouse to court with the receipts to get reimbursed for the payments made.
Posted by Anonymous on 2009-06-01:
DB... you rock. (we all know that, but it still bears repeating)
Posted by DebtorBasher on 2009-06-01:
Awww...thanks Ken!
Posted by madconsumer on 2009-06-01:
nco is bottom feeders.
Posted by Jens on the warpath on 2009-06-02:
They can still collect from you if your ex doesn't pay. What I would do because of the bad reputation of abuse the collection agency has and history of law suits, is contact the lawyer's office that handled the divorce and tell them about the bill. (I am assuming you have no communication with your ex based on your initial statement). Make sure they are not double collecting from both you and your ex.

You may want to ask for an complete accounting of the initial charges, and all fees referencing amount they are looking to collect (since it appears they added $600 to the debt - that is predatory and I would call them on it). You also need to make sure they are legally authorized to collect the money on behalf of the original creditor.

Did you contact the original creditor and ask them about the bill and see if they got any money from the ex.

I only say be careful and whatever you do, DO NOT give NCO any personal information. If you have to pay NCO, I would give them a money order or payment not attached to your bank account. I have seen reports on-line where they have used token payments as a way to freeze a bank account once they scam you for the number.
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Posted by Really?! on 04/21/2009
I received a bill from NCO stating that I owed them 360.00. When I called in to make a payment they refused my partial payment and said I had till 9 to make the pay in full. I informed them that was not possible(when I finally got a chance to talk) The person I was speaking to then told me she didn't need a pity party from me and that I shouldn't have gotten a cell phone if I couldn't pay for it(like life doesn't change and unexpected bills never happen). I then asked to speak to her manager who was even more belittling.

Needless to say they never took my payment and now I have to figure out who will take my payment because there must be a not on my account that says something along the lines of "do not take payments unless made in full" Can they really deny partial payments and be so badgering? What can I do about this?
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Posted by madconsumer on 2009-04-21:
nco is bottom feeders.

make sure to never give them a personal check, or pay by phone. once they have your account numbers, they will take at will.
Posted by Anonymous on 2009-04-21:
First thing to do is to get an address from them. Send them a registered letter requesting that they only contact you by mail in the future, and that you would like a Validation of Debt for the amount they say you owe. Be sure and send this 'receipt requested'. By law they have to comply with these requests. If they are unable to validate the debt, they can no longer collect it.
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Cut & Dry Case of Harassment
Posted by Shaylee528 on 12/18/2008
OHIO -- First of all, I would like to address Lissie's comment and everyone else's like hers. It's pretty snotty for you to assume that people are being harassed simply because they didn't pay a bill. There are a number of people, including myself, that are getting harassing calls because someone else fraudulently supplied our phone number knowing they would never pay the debt incurred.

No one should be commenting about anyone else's debt or financial problems considering the economy right now. You do not know their situation and therefore should not speak to it. There are lots of hard working people that would happily pay their debts if they were not suffering financial difficulties as a result of layoffs and economic downturns.

I have been getting phone calls on my cell phone from NCO and countless others for many months now, all because some woman that I don't even know randomly picked my cell phone number to use to perpetrate her fraud.

I am sending my cease and desist letter off today. I am also saving all of my time and date stamped messages to prove the harassment. I wish all of you the best of luck in ending your torment.
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Posted by Anonymous on 2008-12-18:
You did send the letter return-receipt, didn't you?
Posted by Anonymous on 2008-12-18:
NCO purchases soem reallllly old debt sometimes. It may well be the person they are looking for did, indeed, have your number at one time.
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Invasion Of Privacy - Intentional Infliction Of Harm And Distress - Telephone Misuse & Harassment
Posted by KENNY11 on 08/30/2008
BALTIMORE, MARYLAND -- NCO Financial Systems has been calling the phone number listed at our address for an, [snip]. We have told them from day one that there is no [snip] at this number or address AND THAT WE HAVE NEVER HEARD OF HIM. We discovered that NCO Financial is attempting to collect a bill from [snip] generated at Sinai Hospital in Baltimore Maryland.

We contacted Sinai hospital and talked with many people there and was assured that they would make sure that we were no to be bothered again. That was over a year ago. To this day we are receiving calls from NCO Financial Systems beginning at 8:08 AM every day and many times three times a day. We have advised NCO Financial System countless times that the information that the hospital received was a bogus name and phone number. Never the less they have continued in their futile but annoying efforts to harass us.

We are asking for relief in the amount of two hundred fifty thousand for every phone call made by the Defendant NCO Financial to our number from July 1, 2007 thru present date of the filing of this complaint.

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Posted by Anonymous on 2008-08-30:
If you file properly you will get something from them but not a 1/4 mil$ per call. File complaints with every federal and state agency you can find. I had the same issue, they were calling the wrong number and refused to stop. After I blasted them with complaints I never heard from them again.
Posted by DebtorBasher on 2008-08-30:
First of all...you have no right to disclose the personal information on the person they are looking for, on a website...I would HIGHLY suggest you remove his name from your thread, it is not necessary and if a bill collector was looking for you, I am sure you wouldn't want your name splattered all over the Internet disclosing that you owe a bill.

2nd...you are NOT going to get $250 grand for every phone call they make to you...so stop dreaming about spending that money!

3rd...as for NCO's violations of the FDCPA...they should never have told you they were collecting a debt for this other person...being that you are a 3rd party...they should not have disclosed who the debt is owed to. IF it was them who disclosed that information to you...but the way you worded "We discovered"...does not say that NCO disclosed the info to you. The hospital also, should not have disclose any information to you. If you had someone call and told them you WERE this person, just to get the information from them...then YOU were in the wrong.

The ONLY thing you can do at this point is send them a cease and desist letter, certified with return receipt...and IF they call you after they get it, then they would be in violation of harassment and even with that, you would only be able to collect $1,000.00 for the violation if you file a lawsuit.
...now again...remove the personal information you posted.

Oh..and NCO IS NOT the Defendant...this is a consumer website, not a court of law.
Posted by Anonymous on 2008-08-30:
DB is right, the cease and desist works quite well. Once, I called my credit card company regarding a particular issue and they refuse to speak to me because of a cease and desist notation on my account. (I hadn't even requested that! I was wanting make additional payments ahead of time and they told me I had to wait ten days in between payments.) Anyway, it took 20 minutes to find the cease and desist was a mistake and several supervisors to which I had to give my permission to remove the cease and desist.
Oh, and you'll only be awarded the quarter millon per phone call if they spill hot coffee on you=).
Posted by Anonymous on 2008-08-30:
We can sense your frustration, but putting the debtors name in your post is not cool. Do as DB suggests and take the personal information out of your post.

I was getting calls from Wells Fargo for someone who owes them. It wasnt even NCO. They kept calling every day at the same time...over and over. The minute I even said the words cease and desist, the calls stopped. I didn't even have to write a letter. This probably doesn't protect me if the calls start again. But, for the time being when the phone rings its for me now and not the individual who owes the debt.
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Unprofessional, Incompetent Staff and Management
Posted by Joi on 08/19/2008
I have recently experience a horrible experience with NCO Financial System. They harassed me for close to a month regarding a payment that I made directly to my credit card. When I finally spoke to their representative ([snip] and then the Disrespectful Account Manager) they all indicated that I will receive a receipt from them indicating that they are no longer working on my account because it was paid off. When I spoke to the Account Manager (who by the way is unprofessional) he stated that they do not provide letters of receipt and when I addressed him why would his representative tell me something that was not true he became enraged and told me that I should have paid my bills.

NCO Financial System have no right to tell consumer what they should and should not do. They have no form of ethics and have a tendency of harassing the consumer. What enraged the Account Manager was that I paid the bill directly to the credit card rather than working with this incompetent staff. NCO financial system staff have no idea what they are doing and use different forms of tactics to frighten or upset the public in order to get pay.

If you encounter a similar experience PLEASE complain to the Federal Business Bureau in order to get them fined or better yet get them all fired.
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Posted by Anonymous on 2008-08-19:
"If you encounter a similar experience PLEASE complain to the Federal Business Bureau in order to get them fined or better yet get them all fired."

Federal Business Bureau? Never heard of it.
Posted by Anonymous on 2008-08-19:
Don't worry DB, your extended family here will all pitch in and find you a new job.
Posted by moneybags on 2008-08-19:
The Better Business Bureau has NO legal standing to anything to any company. They can only report on what has been reported to them. They cannot take legal action. Contact the FEDERAL TRADE COMMISSION.
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Posted by Hurbie8 on 08/06/2008
NCO Financial Systems has been calling me almost every day about a bill I don't even owe. The company they say they are collecting for I have spoken with and that company is saying I've never owed anything and that they have sent letters to NCO to stop them from calling me.

Also, when NCO calls they leave messages on my phone stating that they are a collections agency, for me to call them back at a certain number and then they leave my "case number" they then repeat the case number and those two numbers are completely different.

I have heard so many things about them trying to scam people out of money!
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Posted by tnchuck100 on 2008-08-06:
Send NCO a letter demanding proof of the debt. Tell them they are not to contact you again until this proof has been provided. Send this by certified mail/return receipt requested.

If they continue to call you could potentially hit them for $1000 per collection violation.

Check the information provided here:
Fair Debt Collection Practices Act (FDCPA)
Posted by Anonymous on 2008-08-06:
I gotta tell ya I miss those NCO calls. I used to get them all the time for an 'X'. Those NCO peeps are not wound right and they used to crack me up. I started out civil enough saying 'she no longer lives here' which of course they didn't believe. Then they'd ask me how to get in touch with her and I always answered the same - How much is that info worth to you but without exception they refused to pay me.. And I'm like you want me to do your skip tracing for you but you don't want to compensate me? Then I'd call them a dead beat.. I had one NCO guy say that if I didn't help him locate my Ex I'd be obstructing justice... So I asked him to spell "obstructing" because he sure couldn't pronounce it. Then I started reading bible verse to them and asking them to join me in prayer... The one thing that really bothered me with these guys was despite my best efforts every one of our phone calls ended with them hanging up on me... That's just rude if you ask me.
Posted by DebtorBasher on 2008-08-06:
Hurbie...whatever you do, KEEP those messages. They are violating Third Party FDCPA laws if they are leaving messages stating they are a collection agency! Anyone can pick up the message, or you can have company there when you pick up your messages and that IS a violation! Also, go to my blog and click on the link provided...you will find the letters you need to send to them. Send them a request for a "Validation of Debt"...they have 30 days to provide that to you from the time they receive it and you need to make sure you send it "certified with return receipt" so you have proof WHEN they received it. If they don't send it to you within 30 days, that will be another FDCPA violation. Also, if you want the calls to stop, you should also send them a "Cease and desist" letter, also found on the website link that is on my blog. Again, be sure to send it "certified with return receipt"...If they contact you after they received the "Cease and desist" letter, they will have a violation for harassement per FDCPA.
Defenantly keep those messages, an attorney would take that case without a second thought and NCO would have to pay you $1,000.00 for each violation proven.
Posted by yoke on 2008-08-06:
DB, we are still getting phone calls for a person that had this phone number 7 years ago. They (not NCO) are leaving messages that they are a debt collection agency and then the message. At first I was nice and would call back and tell them they had the wrong number, but that led to being accused of being her, so now I don't bother calling to let them know they have the wrong number. I figure eventually they will stop calling.
Posted by Anonymous on 2008-08-06:
NCO called my number, told them they had the wrong number for the person they wanted. They then went into calling me foul names and screaming at me. I hung up, blocked their numbers(s) and filed complaints with every agency I could find. Never heard from them again.

NCO are truly a bunch of bottom feeders.
Posted by DebtorBasher on 2008-08-06:
Yoke..send them a "Cease and Desist" letter as stated above...if they call you again, you can sue them for harassing you. Once they know they have the wrong number, they should remove that number from their records. Again, they should NEVER state they are a collection agency calling, when leaving messages.
Posted by yoke on 2008-08-06:
DB, thanks. The only problem is I will have to call them back to get the address to the agency.
Posted by DebtorBasher on 2008-08-06:
IM me the phone number they leave and I will get you the address.
Posted by JoJennette on 2008-08-12:
NCO has called me from
All within the last 10 days.... Welcome to NCO's harassment. The numbers at least one calls every hour of the day. No one is ever on the line and one day I was not home, so I got a message. That said" this is a debt collection call" Not once did the message say who it was calling. I have never owed anyone anything. This is pure stalking in my mind.
Posted by old fart on 2008-08-12:
Here is your opportunity for revenge Basher grab it and run...
Posted by DebtorBasher on 2008-08-12:
When have I ever seeked revenge?
Posted by hurbie8 on 2009-01-29:
i have gone to ignoring all their calls. I just recently got a credit check and got my credit score and this supposed debt that I owe was no where on there!! as far as I'm concerned they can call me all they want it doesnt bother me anymore I honestly find it funny that they get so hostile over things. either way it isnt hurting my credit and its more annoying then anything. I can't send a letter to them because I can never get an actual case number out of them. I have sent letters with my address name and everything and got nothing. So whatever...the calls are starting to fade out anyways I dont think I have gotten a call at all in the last 4 months or so
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