NCO Financial Systems Complaint - NCO = Slimy and rude
BRICK, NEW JERSEY -- After months of non-stop phone calls from NCO at precisely 8:30AM EVERY MORNING, I had finally graduated and had started my first full-time job. Since I was finally able to make payments toward my debt, I called NCO and asked to set up a plan. They were nice enough on the phone, at least when they were trying to get me to set up post-dated checks (which is illegal, everyone out there). Since post-dated checks was the only way NCO would allow me to set up a payment plan, I had no choice. For the next few months my payments were taken from my checking account like clockwork. One day I was called and offered a settlement that was too good to pass up. I borrowed the money the next day - those slimeballs made sure I know it was a "limited time offer" and HAD TO GET THEM THE MONEY BEFORE THE END OF THE WEEK. Well I did, and I called them with the UPS tracking code just like they asked.
Now, here's where the story gets good (if you're even still reading then thanks! this was moreso for me to vent my anger) - Laurie at NCO had assured me my payment for this month would not be deducted from my account, so long as I got them the money for the settlement by the end of the week. Well the day of payment rolled around and wouldn't you know it - the money was taken from my checking account!! I called, furiously, and was handed off back and forth between rude reps until finally I was able to convey to one of these mental midgets that I had already settled my account. Finally I reached Laurie, a good twenty minutes later (and this is dealing with REAL people, not an automated system!!!) She offered NO apology, basically her explanation was "someone screwed up." She said they could refund the money, but they needed me to fax them a copy of the check as well as a copy of my statement showing the post-dated check had cleared. Yes, that was exactly what I wanted to do after a long day at the office - stop at the bank and try to get the a**holes there to fax something to the a**holes at NCO. Well the bank was closed, so that meant printing out the statement and copy of check from my online banking and running across the street to the pharmacy to pay $3 to fax everything over.
After waiting a good half hour (I should note that Laurie told me if I faxed everything to her by the end of the day my refund would be issued the next day) I called and got Laurie (another twenty minutes with the mental midgets). Laurie's response? "Oh.. I haven't even walked into the fax room yet." Well, this didn't surprise me ONE BIT. When I asked if she could call me after retrieving the fax, she said "I'm sure it's there." So, no call. Two days later I called NCO, got Laurie on the phone, and asked the status of my refund. Laurie told me it had gone to accounting, and would probably be issued Monday or Tuesday (it was Thursday, by the way - they had received my fax on Tuesday.) But wait, "issued?" Silly me, I had assumed they would just credit my checking account. Nope, turns out they are mailing me a check. When I asked if they were overnighting it to me, they hesitated, put me on hold, apparently checked with a supervisor and responded "I believe we can do that." I WOULD HOPE SO!
Anyway, moral of the story? 1) NCO is a bunch of slimeballs. 2) They will make sure you pay THEM on time, but you getting money back from them? That's another story. 3) There is no avoiding any of it, so enjoy!