NCO Financial Systems Complaint - Notice of attempt to collect debt
COLORADO SPRINGS, COLORADO -- I received a letter from NCO Financial Systems, Inc stating that my America online account had been turned over for collections. I have NEVER had an account with AOL so I immediatley called the # given on the letter (1-866-372-8498) only to find out this # was not valid, it rings with long tone's just as if you are calling an international #. It will ring for a while and then hang up on you. I have attempted this same phone # 10-12 times now.
I attempted going to the website given on the letter: www.ncofinancial.com but it asks for a passcode (which the letter does give me) but I was uncomfortable putting that in as I think this is a fraud and attempt to phish for my information. The website will not allow you past the main page without this passcode which I find very odd.
I called the state of colorado department on collection agencies and debt collection. They in turn gave me a valid phone # to the NCO. I spoke with a woman named Amy Davis and faxed her the letter I received and they confirmed it was a valid letter and she said she spoke with someone at the phone # on my letter (866-372-8498), I told them that phone # had not worked for me all day. They tried calling again with no success saying the # was down and not working and they would call me back in a few minutes.
I then received a call from some man with an accent so thick I could barely understand saying he was with NCO (I guess Amy Davis with the NCO must have given him my phone #). He told me to "hold the line" I did so for 2 minutes and then he came back saying "you contacted us?" I explained to him the situation and then he told me he was not with the NCO and hung up. I tried calling the NCO again and asked to speak with Amy Davis again (the woman with whom I spoke too numerous times and faxed my letter too). Each time I called her she would put me on hold and then hang up on me.
I have contact the billing department at AOL and they cannot find record of me because I obviously do not have a screen name. They stated they would send me a fraud affidavit but that was all they could do for me since I could not provide them with a screenname (since I don't have one).
I am at my wits end, I have NEVER had an account with AOL. The phone # on my letter is not valid, I can't verify information off the website given on the letter and AOL cannot do anything for me because I can't confirm a screen name (because I don't have one).
I do not want this hitting my credit but I do not want to send a check to clear my name (just to keep my credit clean as it's perfect right now and I don't want to have it be hit with something that doesn't have anything to do with me) as I can't verify where I am sending a check too and I am afraid it's mail fraud.
I have filed a complaint with the better business bureau but it can take up to 30 days to hear from them. The letter I received states I need to respond within 30 days. I also filed a complaint with the FTC and AOL is sending me their fraud affidavit form.
All this trouble for something I haven't even done, what a NIGHTMARE!!!!
the letter stated the following:
Creditor: America Online, Inc
Regarding: Past due balance
Interest rate: n/a
collection charges: $0.00
other charges: $0.00
Total balance: $23.90
The named creditor has placed this account with our office for collection. It is important that you foward payment in full.
If you choose not to respond to this notification, we will assign your account to a collector with instructions to collect the balance.
To assure proper credit please pur our internal account number ###### on your check or money order and enclose the lower portion of this letter with your payment. If you need to speak to a respresentative contact us at 1-866-372-8498.
Returned checks may be subject to the maximum fees allowed by your state.
You may also make payment by visiting us online at www.ncofinancial.com. Your unique registration code is ###############.
Unless you notify this office within 30 days after receiving this notice that you dispute the validity of the debt or any portion thereof, this office will assum this debt is valid. If you notify this office in writing within 30 days from receiving this notice, this office will obtain verification of the debt or obtain a copy of a judgement and mail you a copy of such judgement or verification. If you request this office in writing within 30 days after receiving this notice, this office will provide you with the name and address of the original creditor, if different from the current creditor.
This is an attempt to collect a debt. Any information will be used for that purpose. This is a communication from a debt collector. PLEASE SEE IMPORTANT INFORMATION ON THE REVERSE SIDE. FOR INFORMATION ABOUT THE COLORADO FAIR DEBT COLLECTION PRACTICES ACT, SEE www.ago.state.co.us/CADC/CADCmain.cfm