NCO Financial Systems Complaint - Customer Service...or lack thereof
I am writing to report on the negative experience I had doing buisness with NCO Financial systems. My overall experience was not terrible, however, the most recent phone call was extremely unpleasant. I was contacted by a representative of the organization on behalf of Bank of America. I was not aware of any debt that I owed to Bank of America, but I had recently closed an account, so I assumed that it may have been something that did not post until after the account was closed. The first representatiive that I spoke with was very nice and professional. She explained to me who she represented, who the debt was for, and that she would like to try to settl ethis debt with me. She advised me that I owed around $430.00 but could settle the account for $370, payable in two post dated checks of Dec 27 and Jan 27. I agreed and proceeded to give her my account information. On Dec 27, my checking account was debited for the agreed amount.
I was again contacted around the middle of January from another representative. He contacted me at my work and said that he tried to contact my bank to verify the funds, but the bank had never heard of me. He then asked for my account information again. I asked him to hold on and explained to him that I was at work and I had some people to tend to and I would be back with him. I placed him on hold and when I returned to the phone, he had hung up. I did not hear from anyone else again, and I did not have the phone number to call back.
A few weeks later (around Feb 10th) I was again contacted by an NCO representative while I was at work. He told me this time that he was calling to settle a debt of from Bank of America. I advised him that I had already made arrangments with NCO to handle this. He said that the last account information that I provided ws not right and that I needed to provide him with alternate payment. Again, I was at work and asked him to hold while I retrieved my account info. I again returned to the phone to find that he hung up again.
Now today, the same gentleman contacted me (at work again) and asked me to settle the debt in full for $277.99. I advised him again that the payments were for $185.33 and he said that since the second check did not clear and that since I had hung up on him the two previous times that he could not settle for less that $277.99 and that I had to present a credit card payment in full at that time I asked him if we could set it up for a draft on 3/1/06 at which time my taxes would be there because I could not cover the $277.99 right now-doing so would leave me without any funds in my account. He said " No it won't because NCO did not draft the $185.00 out on Jan 27th so that should still be in there" . DUH!!! He just said that he had to debit $277.99!!! I asked again why the funds from the post dated check could not be verififed and he said because the account number was not recognized. I explained to him that I had not had this problem with the first transaction and why could he not pull my previous check and verify the numbr that way. He said that was just not how things worked and that he would not take another check from me anyways.
I finally decided to settle the account in full with him, because I was going to make sure that my credit report indicated that I paid in full and not charged off or settled for less than full. I gave the rep my card number and apparenlty he could not type very fast, so he told me to slow down and start all over with my account nuimber. At the end I asked him if there was anything else I could do for him because I needed to get back to work and he said "Look lady you don't have to be like this. It's not my fault that you were uncooperative and we voided your agreement. That will teach you not to put us on hold". Sad to say that he had taken what was left of my sefl control. I asked him to provide a receipt and he said "Sure but I cannot guarantee that it will get there". I then told him not to contact me anymore about this account or my lawyer would be contacted.
Unfortunately, this is not the first colelctor I have encountered, but by far the biggest jerk in the industry. If I am ever to be contacted by NCO again, I will snail mail all payments and will refuse any phone interaction. When faced with a debt, I do my part and pay it back, although it may not be as quick as they want it. However I do not deserve to be treated as if I am a third rate criminal!!