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Stealing From Military & Anyone Else
By -

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.

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Here Is Your Sign
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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.

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I Need to Settle an Account With NCO.
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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?

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Keep Your Eyes Open With NCO
By -

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.

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Workmans Comp Issue
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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.

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How Much Can They Really Do?
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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?

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Student Loan (Private)
By -

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.

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Verify Payments?!
By -

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???

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How Long Do They Have? What Can I Do?
By -

PENNSYLVANIA -- I made a payment to NCO in March 2008. The total payment was 1/2 of what I owed. I recently got an updated credit report (from the 3 major ones) and found that nothing has been updated. It stills says that I owe the total amount under the original creditor. The only thing that's on my credit report about NCO is that they did an inquiry. I went down to the place the bill originated from to see if they had anything updated on my account.

I found it took them several months before they reported the payment to them. Is there anything I can do to prove that payment was made and received by them in March? I have all the paperwork and the receipt that they signed for it on March 6, 2008.

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Emotional Bullies
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LONDON, ENGLAND -- I am so glad to have found this site after receiving an emotional bashing from these sick people who are employed by NCO Europe. I have somewhere I can take out my frustrations because if I kept it all in I would be in danger of having a heart attack. NCO had been taking payments from my bank account for four months but I noticed a few weeks ago the payments had stopped so I tried ringing them to see what the problem was as there were sufficient funds in my account to cover the debt. As normal I spent over an hour trying to get through to them with no avail so left a message for them to call me back.

They did ring me back and explained it was a problem on their part and it would be be rectified and I would be contacted to assure me the payments were still being taken. I never received this call from them and after checking my account on the arranged payment date realized they were still not taking out the payment so decided to call them again to sort this out once and for all. I left it till just before closing time hoping I might get through to them.

After a few minutes I did manage to speak to someone, at this point I was very calm and collected and tried to explain the situation to which I was told they didn't care who I had spoken to previously and what I had been told and that I had not been making the payments as arranged and that I would be taken to court and bailiffs would be sent to my property. I continuously tried to explain that it was not my fault but was spoken to with such contempt I could not believe what I was hearing. I ended up losing my temper and asked why he was treating me this way to which I was told "because I can."

I told the man to take me to court and that it would just let the judge see what a heartless ** company they were. He continued to speak to me in this way until I began to cry at which point it was obvious he was getting a sick kick out of hearing me upset. He also called me a cry baby and said he would only speak to me if I apologized for swearing at him.

At this point I just wanted to resolve the situation and did apologize to which he taunted "I cannot hear you" three times in order for me to say it louder then laughed and I could also hear other people laughing in the background, so I quickly took back the apology as I told him the situation was upsetting my children as they do not like to see their mum get upset. He said he didn't care.

I also told the man that he was harassing me and that I would be taking legal action against him and would be contacting the police about these unorthodox practices to which I was told that was the funniest thing he had heard all week. At this point I realized I was wasting my time speaking to these sick people who thrive on upsetting people and terminated the phone call before he had chance to do so and in order to get back some control, which is half of the problem with these kind of people, they like to control.

Anyway I have taken legal advice and found out a bit more about this company and the fact they are trained to act in this way. All I can say is what is this world coming to it frightens me the mentality of some people. Will let you know what happens anyway, these people need to be challenged.

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NCO Financial Systems Rating:
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1.0 out of 5, based on 1 ratings and
291 reviews & complaints.
Contact Information:
NCO Financial Systems
507 Prudential Road
Horsham, PA 19044
800-220-2274 (ph)
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