DELAWARE -- I am in the process of buying my first house. There is a collection from NCO on my credit report that was paid in March of 2003. I called NCO a month ago to get a receipt of debt paid. They requested I send a self-addressed stamped envelope. I did so the next day. Three weeks later I had not received the receipt. Last Friday I called again and they said they never received the envelope and she would put in a request to have the receipt mailed.
Yesterday I called and requested they fax the receipt because I need it to close on the house. The girls said... "Well, it might be done today... Otherwise tomorrow." Surprise surprise... I call again today and when they finally find my information, they put me on hold for 10 minutes and then told me to call back because the person I needed to talk to wasn't there.
I did not let that happen. SO, then what was supposed to be a supervisor got on the phone. He accused me of never sending the envelope OR calling last Friday. He said they don't need to send the receipt and they do it as a courtesy. He was so rude and condescending... And all I want is a receipt to prove I paid this debt over THREE YEARS AGO.
I am a good person, I work hard, I am a single mom just trying to do the best for my family. This person made me feel like a crook and for what? He wasn't making any money off of me? They are in the wrong for never marking the debt paid and they can't simply fax a receipt verifying it paid. Oh... I am sooo upset. I am going to write letters. Better Business, Federal Trade, my governor, the President, heck... OPRAH!
There should be some sort of recourse for this! I have done nothing wrong and did not to deserve to be treated the way I was. It just ripples... This has consequences on my, my kids, my banker, the loan processors, the people I am buying the house from, the people they are buying THEIR house from, etc. When it would all have been fine if they could just simple fax a receipt.
Last Saturday 9/23/06, I received two letters from NCO Financial. When I opened the letters, I was shocked to find out that I owe some money to AOL. When I realized it was a collection agency I became fearful of the threats contained in the letter, if I do not pay up.
Three years ago I closed my account with AOL by telephone. I had paid off any kind of outstanding balance I had with them. I never heard from AOL again after that. Which is why I found it unusual that AOL didn't contact me first. After all, there was a gap of three years. Usually a company would make a couple of attempts first before sending a collector after you.
Of course, I received these letters on a Saturday, and had to wait until Monday to call and find out what this was all about. In the meantime, I went to their website, provided the info they wanted. I couldn't get in because I was told that my info wasn't correct and I had to call them. I was so frustrated by this time, but I waited until Monday to call.
Monday I tried to call them and all I get was a couple of rings and then the sound of a fax. Okay, so I tried later and I get a few rings, then a hang-up. BTW, the rings sounded different then any other ring I've heard. By the time Monday came, I had figured this must've been a scam. However, I wanted to make sure. After these attempted calls, I was convinced this company was a scam.
I wanted to look into this further. I looked them up on the internet and this is where I found this website. Much to my relief, I found others have had this same problem. I will not pay them because I know I have paid AOL already three years ago. I would rather pay an attorney fee, if it ever gets that far than to allow anyone to get away with a scam. Which is what I am strongly suspecting this is. Thanks for allowing me to add my experience in order to inform others. I am saving the letters if it gets to the point of having to dispute this. Am I doing the right thing?
MICHIGAN -- Got a call 2 weeks ago from NCO. They said they were trying to collect payment for my husband's credit card. (Never rec'd any letter or call from credit card company that we were being sent to collections. Our account was in good standings.) They never asked once what relationship I was to the cardholder and starting giving me a line of bull crap. They said our house, car and whatever assets were in husband's name - would have a lien put on them if they didn't collect a payment by Aug 1st. They never asked what I could afford and demanded this certain payment.
I gave them a post dated check with the option that they told me - I could call and cancel on July 31st if I didn't have the full amount that they requested. So I called and cancelled it and NCO confirmed that they cancelled the payment and would not put it through. Today, I go to Wal-Mart and I couldn't use my debit card. I called the bank when I got home and sure enough NCO put the payment through unauthorized. I called NCO and they said I was insane that they needed 72 hours notice to cancel the check.
NCO told me my husband had 8 judgments toward the credit card, and that if the payment wasn't made the total amount due would triple, plus interest fees, and that my husband's wages would be garnished to where he would only bring home $50 a week until the balance was paid. I called the credit card company and told them NCO refused any type of payment that I could make and they said I had to go through NCO. (So I guess the credit card company doesn't want their money if NCO is refusing payments and handling their accounts.)
Anyway, NCO said they were taping my conversation when I spoke to them, but when I asked to talk to the supervisor to make a complaint all of a sudden they found no record that I was being taped. NCO provides fraudulent information to people they are trying to collect from. When I asked NCO how they were able to give me information on my husband's account without verifying who I am such as an address, phone or anything they said under the FDCPA of state laws they could talk to the cardholder or spouse of cardholder. (Who's to say I was the spouse if they never asked?)
NCO employees are liars, I have first and last names of people and their phone #'s with extensions of who I talked to at NCO. I documented all the lies they told me. All I wanted to do is make a payment I could afford and they told me no, lies, and the bad part is, that the 5 of the 6 people I talked to were supervisors. NCO may want to invest in what type of employees they are spending money on, seems to me like they are losing money - not making it.
HORSHAM PA, PENNSYLVANIA -- I am so upset with NCO Financial Services. The employees who work there are very rude. I am dealing with a terrible issue right now as we speak. I called NCO to have a check posted on a certain date, to pay off a debt, and this company posted the check on another date, causing my bank account to have a snow ball effect of NFS fees. Now I owe my bank 600.00 because of this.
I have been on the phone with NCO to try to speak with a manager, I have been hung up on several times, told that the representative shows no notations of that change in date. I explained to them before anyone can say anything to them, the first thing that comes out of their mouth is "this is attempt to collect a debt, and this call is being recorded."
I told them to go back and listen to the recording, the representative was very rude, and then told me that my date has been changed. I have still not heard anything back from these people. How in the world can you try and pay off debt, and get in more debt because of it. I am so angry right now!!! I think this is a horrible company!!!
HORSHAM, PENNSYLVANIA -- NCO keeps calling me and I have no debt, so I sent them a letters, faxes, and email, to put them on notice not to call my number any more, and that I would contact my Attorney General, and I would be recording any other calls with date and time to give to my Attorney.
I sent all notices to the heads of the Corporation. The Name of the President is Mr. Michael J. Barrist, 507 Prudential Road, Horsham, PA 19044. The Fax # is 215-442-8253. Ms Lisa Signore, Director Legal Compliance Department email is Lisa.Signore@ncogroup.com. firstname.lastname@example.org is the CEO, Stephen.Elliott@ncogroup.com is the CIO, his assistant is **, email@example.com is the Attorney & EVP, and John.Schwab@ncogroup.com is the CFO.
EDGEWOOD, MARYLAND -- Yesterday morning, starting at 6:48 am the phone starts ringing. I'm in the shower and don't get to it in time. Next call - 7:38 am (I'm out back). Next call - 9:05 am (still out back). Next call - 11:32 am (I'm out at lunch). Next call - 1:30 pm (I'm still out). I get home to see all the calls on the phone ID. Not 1 message, though. Next call - 2:47 pm and I'm home to answer the phone. It's NCO asking for me to take a message down the street to a neighbor (who I've never met!). The person tells me that this neighbor is a deadbeat and will not pay their bills and is not returning calls.
I tell them that I don't feel right hearing this information and that I will not take a message to my neighbor. Today: 1st call - 7:01 am - You guessed it, NCO. Again. Wants me to take a message to my neighbor. I tell them no again and not to call me for this matter again. 2nd call - 10:32 am - NCO. Again. Repeat conversation, yet, again. 3rd call - 1:24 pm - NCO. Again. Repeat conversation, yet, again. 4th call - 3:05 pm - I didn't even bother to pick up the dang phone. How do I get these jackals to stop bothering me?!?
TRENTON, NEW JERSEY -- After reading some of the post I felt the need to share my experience. In March 2006 I paid off an outstanding credit card balance through World Financial Network National Bank. I was told no further action would be taken. Recently I've been receiving letters from NCO stating they bought out my account and I owed them. Wrong! I have my cashed check and receipts from last March and knew something wasn't right. Upon trying to contact NCO and clear this matter up the phone # on these official looking letters isn't even a working one!
But it states you can go online and pay that way, I don't think so. I don't owe anymore on this account. It's closed and paid in full. I noticed most of the comments when people paid them had been when NCO contacted them. I suggest you try calling the # they give you and see for yourself. Also they state in the letter they sent me that they would share my info including my social security # with other related businesses. WHAT! Big red flag! One last suggestion, go online and receive a copy of your free credit report you get one a year which is what I did.
When you get it, it shows all your outstanding debt and which companies it's in collection with, so if you receive calls from someone other than that co. hang up! One last thing on the letter sent, it's stated their offices are in Horsham, PA but their return address is a PO Box in Trenton, NJ.
PENNSYLVANIA -- I called NCO Systems today because I had been getting a lot of letters and phone calls and was curious as to why they had my phone number and address. I thought at first, they were some type of marketing company and ignored them. Since I am retired and have not charged anything, I called the main number, inquiring as to how they got my number and why were they calling me.
One of the first things they asked was my social security number!!! Can you believe that??? I refused naturally, and they asked how I could be helped. The man was nice enough. He asked if I knew a certain person, and said the name. I explained that was my grandson and he had purchased a phone at Sprint "on his own at the age of 16" with no problem, just a show of his driver's license. When I heard about the phone bill, I agreed to pay his current basic service, but no added services because he had not asked for that.
However, after we called Sprint and said we wanted nothing but basic service, they added unwanted services back to the phone, after they had removed them. I had to pay the huge phone for him, since he could not. I told him "No more, he would have to cancel," which he did. He was living with me for a time after he purchased the phone and that is how my address became involved. Apparently NCO got my number through my address. He has since gone away to college and I did not respond to the mail, since it was in his name. I just thought it was "junk mail" and threw it away.
The man I spoke with at the main number of NCO Systems gave me this number 1-800-709-8625 to call. He told me to tell them exactly what I had told him and they could handle it. I thanked him politely and dialed the number.
HAH!!! I thought I had entered into the script of a horror movie. I got the shock of my life!!!
The person who answered the phone was the rudest, loudest, most unprofessional person I have ever spoken to in my entire life, especially for an employee of a large corporation. NO ONE has ever spoken to me the way this person did. At first I was totally speechless! I tried many times, but never got the chance to explain my case. She refused to let me.
This woman went into me immediately, like dynamite, yelling and screaming like a "Banshee!!!" She was trying her very best to keep me from saying one word, but I did manage to add a few phrases the whole time she was yelling at me. I doubt very seriously she heard anything I said, she was ranting and raving so. I was trying to tell her to PLEASE just let me talk. She refused! She was in her own world of rude people. She had no reason whatsoever to treat me in such a deplorable manner. I did not owe her one cent! I did not even have an account there. They were abusing my phone and address.
Where did they find this person? She has to rate in the top 20 "Rude People in the United States!" Has she been trained by her company, NCO Systems to act in such an unacceptable way??? I certainly received the shock of my life. I did not know anyone would hire someone like this, especially a large company like NCO. I was awakened to the facts of life!!! Apparently she had been on the phone and had heard everything I had told the gentleman, because she went into me before I could get anything out of my mouth. She knew my grandson's name before I even told her anything.
I asked her over and over to please let me explain the situation, but she kept ranting over and over. I told her how in the world she was able work for this company was beyond me and I hoped her boss was listening to her. I just hung up the phone with her yelling all the while.
I hope no one goes through the nightmare I just experienced at NCO Collections, a part of NCO Systems. Needless to say the issue was never resolved. She did not want a resolution!!! She just wanted to "blow off steam" and I, unfortunately, was her victim!!!
Bud Hibbs Helps America Hold Debt Collectors to the Law!
AGENCY COLLECTORS (Beggars)
Agency collectors have correctly been deemed the worst-type of collection agents! They operate from a computer database containing all your personal information, provided to them by the original creditor. When an outside agency gets your account, it has been 'charged-off' for non-payment. They make calls as fast as the auto-dialer can (in excess of 250 a day). Commission
is their livelihood; they don't have time for pleasantries or obeying the law.
An agency collector's commission ranges from 15-25% of what they can extract from you. Most are paid bonuses if they hit a quota and steady, hard-working collectors can make $40-60K per year. The majority will bring in much less because they routinely step over the line to increase their take.
Who Seeks a Career as a Debt Collector?
In a industry where deception, craftiness, and deceit are rampant, you might imagine most honest people would seek work elsewhere. And you're right. My experience says the average debt collector is male, has a large ego, bounces from job to job, suffers low self-esteem and enjoys using the telephone as an instrument of empowerment. You' shouldn't be surprised
to find most of them have great debt problems themselves.
The debt collection business is plagued with high employee turnover. Constant training of new collectors puts great strain on the agencies and the employees. Every moment someone is in training is time lost on the phone. You can imagine the shortcuts that are taken to get a new caller on the floor as soon as possible.
Collectors see themselves in a position to take advantage of those they deem weaker, in
an effort to overcome their own insecurities. They normally will talk-over any issues you may have, threaten and intimidate you, lie, misrepresent themselves, abuse, annoy and attempt to push you as far as they can. After all, a portion of what they collect from you becomes theirs. Unfortunately, far too few consumers complain about debt collectors overstepping their bounds, because they are intimidated or embarrassed about their dilemma. Over the years I've dealt with literally thousands of collectors and suggest that only 2 out of 10 are honest and hard working. The greater percentage are deadbeat scum either just out of, or heading back into a jail cell. Collecting is a male dominated business and because of the shortage of skilled workers, agencies are hiring anyone who can walk and chew gum to make their calls. Social skills, education and career orientation are NOT normally the prerequisites for a debt collector – money beggar position.
What Techniques Do They Employ?
You'll hear standard phrases such as: "what is your intent" or "I'm going to recommend that our client take immediate legal action against you." The innocent unsuspecting consumer feels threatened,even terrorized by the antics of unscrupulous debt collectors. The really bad ones will call you at work, violate third party disclosure, or worse, threaten you with arrest or wage garnishment if they don't have the money today! They'll try to persuade you to pay off old debts using your new credit card, via Western Union wire transfers, bank drafting, debit checks and cash. They will tell you your credit report will be clean and your soul will be saved from hell, (halleluiah!) if you just send them the... $$ MONEY $$.
The National Consumer Law League, (NCLC) and the National Association of Consumer Advocates, (NACA) assist attorneys across the country in pursuing agencies and collectors who violate the law and your rights. Collectors are learning that the phone name they use and the perceived anonymity of hiding behind a telephone can easily be overcome with today's modern technology and investigative techniques. Some collectors are learning first-hand that they too, can be charged with making threats over the phone and that their employers don't provide bail money or legal representation. Creditors are increasingly becoming less tolerant of agencies that allow abuse and will drop those that don't comply.
I urge you to complain about collector abuse by contacting the FTC, the American Collectors Association, the original creditor and your state bar association (against attorneys), or me if
you feel your rights are being violated. There is a nationwide group of professional consumer attorneys, skilled in debt collection laws that passionately defend the rights of consumers
against these illegal collectors. No consumer should ever suffer abuse from a debt collector.
The laws WILL protect you!
What do you think?
WILMINGTON, DELAWARE -- I became ill months back and had to cancel some home services, which included my cable/Internet. I just received a letter from NCO Financial Systems, INC. They are collecting for the DSL Company that I owe. Which is fine, I admit I owe this company some money. So, I had every intention of going to NCO's website to make a payment.
To my shock, they want to charge a $12.00 "Convenience Fee" for every payment you make. So, if I make a $20.00 payment on my account, they will deduct $32.00 from my bank, and only take $20.00 from the balance. This is outrageous. I have never seen a fee like this. I pay all my bills online, and none of them charge. How are you supposed to pay off debts with outrageous fees like this? Can anyone shed any light on this? Is there an agency that should be made aware of this "Convenience Fee?"