NCO Financial Systems Complaint - NCO Reps Rude and Uncooperative
I am in the process of cleaning up my credit of bad debts that I opened in college or shortly thereafter. I came across a collection account of my credit report for a Bellsouth telephone/dsl account dating back to 2003. Neither NCO nor Bellsouth had sent any correspondence to me in the past; they sent correspondence to an old address that I haven’t lived at in 3 years. It’s amazing they can add accounts to my credit report, yet they do not review my credit report for my current address.
In January of 2006, I sent NCO a certified letter (return receipt requested) making a settlement offer the account. If I would not have pulled my credit report I would not have known NCO had the debt. I did not receive a response even though someone in their office signed for it. I proceeded with cleaning up other accounts.
On March 16, 2006 I called NCO and offered to make a settlement on the account. She stated that Bellsouth did not do settlements. I called a few more times over the next several days hoping to get a different answer from a different representative. They all stated the same thing, “Bellsouth doesn’t do settlements”.
On March 23, 2006 I spoke with a different rep with an Austrailian accent. I asked about the settlement and she stated “Bellsouth won’t settle”. Since I couldn’t get them to settle I figured I would ask for them to delete the collection account once I paid it in full. Even if they didn’t agree to it, it was worth asking. The worst they could say was no. So I listened to her spill about how I owe the debt and I should pay it, blah, blah, blah. I begin to explain to her, that since I am paying it in full can they remove the collection account. She says that can be worked out once I pay the debt. Then she asks me to do a check by phone. I don’t do check by phone and I don’t do Western Union. She becomes irate and tells me I don’t want to pay. I say I wouldn’t be asking for a settlement if I had no intention on paying. I asked her for the address where I can send payment and she becomes more irate. She then goes on the say that I have made promises to pay in the past and that I hadn’t paid. Now she is lying and I am becoming upset. I have not spoken to anyone in her office about promising to pay anything. I ask again if she could send me something in writing stating I owe the debt and that when I pay the debt this will resolve the matter. She became more irate when I asked for something in writing. I speak to a supervisor and he says they cannot send anything in writing because they do not want to be sued. I say it is ridiculous that they can do that. I don’t care what is in my credit report I’m not send a dime to anyone with something in writing. He then goes on to say they sent out a statement and I can pay it then. These clowns will wait until I am good and ready before I give them a nickel. I am now in the process of contact with OC and pay them.