NCO Financial Systems Complaint - Attempted collection of a discharged debt
As a consumer from Massachusetts, I felt it was my responsibility to bring to your attention the following incident.
I recently received a letter from NCO Financial Systems, Horsham, PA stating that they had purchased my account from Chase Providian. I have never had an account with this company. Furthermore the amount due included over $2400 of accrued interest (at 6 %) on an original principal of approximately $2850. The only debt I can possibly associate with this amount is a credit card with First Deposit Bank of Nashua, NH which was discharged in 1991. (Case 91-12142 JNG)
I find it hard to believe that this account would still exist in any manner on any company's accounts. I am responding to their letter by return receipt requesting information regarding this debt.
While this matter has not yet risen to the level of harassment since I have only received one letter, I believe this may be part of a larger pattern of abuse and potentially illegal activity by this company. On a consumer website (www.my3cents.com) a search on NCO Financial Systems returns over 400 matches with the vast majority being complaints.
I believe I will be able to resolve this matter without resorting to formal procedings, however I want to have some record of addressing this matter beyond a letter to NCO and also to possibly assist others who may be victimized by the questionable practices of this company.
Copies of the letter from NCO and my response are included.
Note that the NCO letter was sent to my mother's address in Vermont, where I have never lived and not to my home address where I have lived for the last six years.
Please contact me if you need more details regarding this incident.