I've called NCO numerous times over the past several months. I am trying to purchase a home, and the ONLY mark on my credit report is a $97 charge from NCO. It's a bogus charge, one that I have written numerous letters to the company about. I would even pay it if I could get it off my record. It's costing me a 1/2 percentage on my home loan.
HOWEVER, depending on whom you ask at NCO, they either can see my account but can't access it, or they have no record of any charge for me, and won't take it off my credit report. So I can't even pay this charge! Now I am on hold at the moment for 3 hours already and NO ONE has picked up, because "all representatives are still assisting other callers." Ridiculous.
I have been receiving calls from them for the past 2 or so months. I'm not denying the bill. I went to the emergency room 6 or so months ago and they didn't even do anything. And I guess it's what is left over from what my insurance has paid. It seems like the hospital wasted no time in sending me to a collection agency. I was going to pay them and after reading numerous complaints on this website and other websites I'm afraid that they will take my money. Any advice? Should I call the hospital directly and deal with them?
My late husband was in the military. I fell behind in my Star Card payments. My income tax checks have been taken by this scum company for 3 years. Each check was worth $3,500, in addition to the stimulus checks. I knew I owed this money, but what I did NOT know, was that I owed $2,300. When I called to check on how much more I owed, I was told I owed $5,500 more. All of this on a $2,300 chard card.
These thieves phone number is **. I was told my child would be taken from me, since I couldn't pay this bill. It was terrible. I could not sleep or eat, I lost 25 lbs. People, contact your media, (your politicians), your Attorney General, Congressman. See, the Air Force sold my account to this scum bag company. This is my grandchild I have had since he was 2, he's now 8.
I know now I owned this money, but this is the way the military pays back a man that spent his life in the military?? Someone please help me to fight, please!!! I'm not a bum, I just don't know whom to contact. I contacted my congressman, but what a joke, his aide has spent 6 days arguing about my address, then ended up telling me he doesn't "have any control over the postal service". His name is Congressman Charlie Gonzales. I can tell you one thing, I'll remember this next election.
I got a letter in the mail addressed to me stating that I owed over $500.00 for a past due phone bill that was over 12 years old. I called to find out what this was about and found out that it was my ex-husband's bill that was under my name. I have a 790 credit score and I did not want this on my credit report. I paid the bill with my credit card and they stated that they would send me a letter showing the bill had been paid. When I called three weeks later to find out the status of the letter they said they would mail it and then they said I owed another bill! What the heck. They cannot produce a bill. It's not even under my name. It's under my ex-husband's.
Anyway they have my credit card number. Should I notify my credit card company? Cancel my credit card? I just don't want them charging things to my credit card. After my divorce I worked really hard to build my credit back up and it has taken me years to do so.
I have a $1,500 credit card debt with NCO. I'm currently saving money so that I might settle this debt in a lump sum. I want to make sure that the account ends up closed and that the necessary repair work is done to my credit report. How do I go about doing this?
My husband dealt with NCO about 6 years ago. They came to an agreement on a dollar amount to settle his debt, however, they refused to send him a letter verifying this agreement. Essentially, he didn't want to send them money without written proof of their agreement to close the account on receipt of the money. He ended up filing bankruptcy. I was not in his life at this time so I don't know why he felt bankruptcy was necessary, but I certainly don't want to file for $1,500!! I want an agreement in writing before I send them any money. How do I go about doing it?
HUTHISON, KANSAS -- Well about 3 years ago I worked for NCO. I was there about year, until one day I came in from work, the Hutchinson KS office was closing their doors. Found out night before they close they tap everyone checking account and credit cards they had on file. If anyone ever work for them, still works for them, find different job. When companies find out you work for NCO trust me you won't get job. Everyone had no idea. When they were closing their doors down in Hutchinson KS they made everyone sign a gag order not to talk to newspapers. Sooner or later they will close NCO DOWN FOR GOOD.
USA, PENNSYLVANIA -- I worked for a company last year Nov 7, 2007. I got hurt at work. It went through workman's comp. For some reason or another I keep getting a bill from the (comp name ->*****) emergency physicians. I keep taking this back up to the former employer and they tell me they turn this in. They do not know what is going on. Well lo and behold this last Saturday I get a bill from NCO formerly OSI collections about this workman's comp bill.
I will not call them from my home phone nor cell or even try the online site. As I know they will get my numbers and call all hours of the day. You know how annoying this is. This goes to MY CREDIT REPORT. So now I guess I have to go to my former employer and tell them I am taking this to my lawyer because now this is getting to be crap. It's been over a year now and someone is not doing their job.
NEW YORK -- While looking to purchase a home, my mortgage broker pulled my credit (of course) and told me some things I needed to do to boost my score. Surprisingly some old debt from a credit card was NOT 1 of the things he told me to look into. But being the crazy person that I am, I decided to call Citibank and ask who this Merchants credit was that was calling me on their behalf.
I was transferred from one representative to another to another within Citibank only to be told that they are not looking for me but NCO purchased the debt. I told Citibank that if they would settle with me I am looking to do that to show the account settled, the representative told me it was out of their (Citibank) hands.
So I called NCO as the Merchants Credit people were rude, unprofessional and downright ignorant, to try to settle. BIG MISTAKE. They have been calling me every day. I finally spoke to someone who sounded reasonable and actually got transferred to yet another reasonable sounding person and mistakenly gave them my job fax number to send me a settlement letter. Pursuant to your agreement, this letter is to confirm that the above creditor (listed as former creditor: Citibank) will accept the amount... as settlement, if payment is received by 12/20/08. This is an attempt to collect a debt, etc...
The threats of garnishing my wages and suing me in court, is that all really possible or likely? If Citibank is saying I don't owe them anymore, that NCO bought the debt, what does that mean? Why did this not come up as something to rectify by my mortgage broker? Any help?
NEW YORK, NEW YORK -- I defaulted on my student loan. I won't make excuses for it but I'd like to resolve the situation and get back on track. For several months I called various collection agencies as well as the lender trying to find out who was handling the default. NCO has it. I contacted NCO and asked to be put on a payment plan. I was told that in order to get the loan out of default status I had to pay 25%. I owe 40K plus interest who knows what it is now. The representative asked for my bank account number. Naturally I declined, thereafter he told me that I refused to cooperate I could get a repayment plan. Is this normal? I'm really stressed out about the whole thing and I haven't been able to sleep.
I received a call back in February 2008 from my father in law that he received a call from a creditor from me stating that they were going to take me to court if I didn't pay my debts. The threat of going to court concerned me so I called the company and spoke with a nice lady who referred to herself only as "Ms. **". She stated that NCO financial was attempting to collect a debt from my credit card that was closed out. I setup to pay $1003 two weeks from then and then pay $300 every month for the next six months.. So far I've paid almost $2500 of a $5300 debt. Last month they offered to settle the debt if I make two final payments of $790.
My question is what steps can I take to ensure that once I make these payments I will be through with NCO financial and how will I verify that the payment info is sent to bank of America so that I can have the debt removed from my credit report???