NCO Financial Complaint - NCO Financial

Posted by Anonymous on 2003-08-20:

Mam-you can contact me regarding this, My name is Candice I work for NCO please call me at 888-626-8381 - Im sorry you had to deal with someone regarding the issue at hand. I will be than willing to help you. I believe you catch more bees with honey than vinegar, Ill be waiting for your call.

Posted by Anonymous on 2003-08-21:

I had a similar experience with NCO Financial Systems. They were collecting on an account on behalf of Cingular Wireless, not Verizon. They called me almost every day at work when I was about two weeks late with a payment. One morning last fall, I received a call at work. I forget the woman's name, but she said she worked for NCO and wanted to know when I could make a payment on my account. I was in a session with a patient and was really aggravated that she'd interrupted this session. I explained to her that I could not talk and that I'd call her back later in the day. That afternoon, I told her to refrain from ever calling me at work and, also, that I'd be sending a payment within a week. And this wasn't the first time I'd asked them to refrain from contacting me at work. Really, they have no legal right to contact me, or any other debtor, be it at home or at work. The next morning I got in and alreay had a voice mail. A man identifying himself as William ****** with NCO Financial Systems had left me a very sarcastic sounding e-mail. In retrospect, he may not have intended to sound sarcastic. It was probably that blue collar Philly accent of his that made him sound so obnoxious. (NCO, btw, is based in Philly.) Anyhow, I was livid. I also knew that I now had recourse. They were continuing to contact me at work, despite the fact that I'd asked them not to. I called William and gave him my account number. When I reminded him that I'd already requested at least once before that no one at NCO ever again contact me at work. When I began to remind him of the Fair Debt Collection Act, this spicy little bowl of Philadelphia spaghetti began to rip into me. I'm a therapist. I deal with neurotics all day long. This man was a lightweight compared to some of the doozies I've had to deal with. Every time I'd open my mouth, he'd try to batter me down. He called me names. I suggested that he get into therapy or take some courses in anger management. He became even hotter with me, calling me a deadbeat and accusing me of intentionally failing to pay my bills. In an increasingly calm voice, I again reminded him of the law. When I realised that he was not rational, I said good day and hung up. I called NCO back later that day at arranged a payment plan. The woman with whom I spoke was kind, understanding, and, above all, professional.

Posted by Anonymous on 2003-08-22:

I just read the complaint against NCO Financial and wanted to let her know that I experiencced the same unacceptable behavior from a Robert Ellison at NCO. The kicker is that I am not the person they are trying to collect the debt from- it is my brother in law and we work in a family business together. This Mr Ellison has called our office several times in attempts to speak with my brother in law and has verbally abused not only myself but my employees. This is completely unacceptable and I thought maybe it was just one collector at NCO but it sounds like this is how they are trained. I cannot believe that a company would actually promote this type of behavior. I would also like to see a formal complaint brought against not only Robert Ellsion (I have his direct phone number as well) but NCO.

Thank you-

Kerry Palin

Posted by Anonymous on 2003-08-22:

Kerry, you just opened yourself to a lawsuit.

Posted by Anonymous on 2003-08-23:

ROCK ON KERRY! Thanks for having the b*lls to put these a$$holes on the line. Everytime a telemarketer or collector calls, I think they should have to give their personal name and home phone number. That way people can call them whenever the hell they want. NCO is going down for their sins and illegal activities. Power to the people!

Posted by Anonymous on 2003-08-25:

He's not a telemarketer selling something. They are debt collectors. I HE borrows money from YOU then yes, you should have his name and home phone. Since thats not the case here, your remarks are, well kinda dumb.

Posted by Anonymous on 2003-08-26:

I received a letter from NCO stating that I have "chosen to ingnore our previous communications regarding the debt referred to above." Last I knew, these payments were set up to come out of my checking account automatically. This is my fault?!? I called to simply ask for a payment history, she said she would mail one. I asked when the last payment was she said Feb. (6 mos. ago). I asked why they stopped and she said that she's already answered that question for me before and all I keep doing is asking again and again and again....and that she's not going to tell me since she already has so many times. I said "so you're not going to work with me on this?" She said "We HAVE been working with you, you are the one not working with us!" I mentioned the dark and scarred track record of the company and told her that she needs to work with me to get this resolved. She then personally attacked me by screaming that I was the one with the bad track record and I was the one not responsible enough to pay their client the $3,500.00 that I owe them (which was the ORIGINAL amount that is less than 1/2 of that now). I screamed back that I did not need to and was not going to listen to that from her anymore and she said "this conversation is over...Goodbye!" I said "Yes, you're right, it is!" and I hung up. Somewhere in the midst of all of that I did get her to agree to send me a complete payment history report....we'll see if I get it or not.

Posted by Anonymous on 2003-08-26:

RChapa021503, why should the collection agency give you a copy of your payments. You know how much you owe left (they gave you a letter for the balance). It is your responsibility to know when your payments were made and when they weren't. And are you trying to tell me you never knew payments weren't coming out of your account? Are you that wealthy that you don't have to keep track of these things? Stop being so God**** lazy and do your own investigating. No wonder she ended the call on you.

Posted by Anonymous on 2003-08-27:

NCO Financial Services has at least 2 other names they go by besides the obvious. Thier sister company, Medclear/ NCO Cardinal Emergency Services
is currently reporting derogatory information to the credit bureaus for a debt that was discharged in a bankruptcy. The original creditor, as well as NCO Financial Services were listed as creditors in the BK. 2 years after the discharge, thier sister company is now trying to collect on the same bill and Nikki Hartman- the NCO/ Medclear representative says unless I pay it stays in collections. This derrogatory information has caused us to have a higher interest rate on my mortgage and even had me denied for a real estate loan.

Posted by Anonymous on 2003-08-29:

Do not deal with NCO. The are the bottom of the barrel of debt collectors. Send them a validation letter in pursuant to the FDCPA. This will stop them in their tracks. If it doesnt, you will have violations on them under the FDCPA. You can sue them in small claims for thousands, I have!! It only cost 25 dollars to file a small claims lawsuit. They want easy debts to collect, not the ones they have to fight. They prey on the unknowing consumer, and I prey on them. ;)

Posted by Anonymous on 2003-09-03:

It is your kind that give LEGITIMATE collection agency's a bad name.

Posted by Anonymous on 2003-09-03:

Collector It is your kind that give LEGITIMATE collection agency's a bad name.

Posted by Anonymous on 2003-10-19:

Again, if people will just make good on their debts with the orig creditor there will be no need for collection agencies

Posted by Laceyblueeyes on 2006-06-27:

Ya'll need to contact your states Attorney Generals Office. There are laws that pertain to collection agencies. From what I have read this company has broken them all!!!

Posted by ddeburger on 2007-02-27:

Go to www.budhibbs.com and check out the website. It will tell you exactly what to do with this debt collectors. What this "Jim" did was totally illegal.