NCO Financial Systems Complaint - NCO, LIARS
MICHIGAN -- Got a call 2 weeks ago from NCO. They said they were trying to collect payment for my husbands creditcard.(Never rec'd any letter or call from creditcard company that we were being sent to collections. Our account was in good standings.) They never asked once what relationship i was to the cardholder and starting giving me a line of bull crap.They said our house, car and whatever assests were in husbands name would have a lean put on them if they didnt collect a payment by aug 1st. They never asked what i could afford and demanded this certain payment. I gave them a post dated check with the option that they told me i could call and cancel on July 31st if i didnt have the full amount that they requested. So i called and cancelled it and NCO confirmed that they cancelled the payment and would not put it through. Today, I goto walmart and i couldnt use my debit card. I called the bank when i got home and sure enough NCO put the payment through unauthorized. I called NCO and they said i was insane that they needed 72 hours notice to cancel the check. NCO told me my husband had 8 judgements toward the creditcard, and that if the payment wasnt made the total amount due would triple, plus interest fees, and that my husbands wages would be garnished to where he would only bring home $50 a week until the balance was paid.I called the creditcard company and told them NCO refused any type of payment that i could make and they said i had to go through NCO. ( so i guess the creditcard company doesnt want their money if NCO is refusing payments and handling their accounts.) anyway, NCO said they were taping my conversation when i spoke to them, but when i asked to talk to the supervisor to make a complaint all of a sudden they found no record that i was being taped. NCO provides fraudulant information to people they are trying to collect from. When I asked NCO how they were able to give me information on my husbands account without verifying who i am such as an address, phone or anything they said under the FDCPA of state laws they could talk to the cardholder or spouse of cardholder. (whose to say i was the spouse if they never asked?)NCO employees are liars, I have first and last names of people and their phone #'s with extensions of who i talked to at NCO. I documented all the lies they told me. All I wanted to do is make a payment i could afford and they told me no,lies, and the bad part is, that the 5 of the 6 people i talked to were supervisors. NCO may want to invest in what type of employees they are spending money on, seems to me like they are losing money not making it.