NCO Financial Systems Complaint - NCO Financial is FRAUD
PENNSYLVANIA -- This company keeps calling me saying I owe a debt to a university in Pennsylvania for charges incurred in 2002. I left this particular university and transferred to another college in 1999. I DIDN'T ATTEND THIS UNIVERSITY IN 2002!!!! They also claim that I have made payments on this debt in the past but stopped in August 2008. The only payments I have ever made regarding education are the ones for my federal student loans, which I ALWAYS pay on time and directly to the US Dept of Education.
I called the university and they say I have no outstanding debt with them. I also know this to be true since they released my transcripts to the college I transferred to in 1999. They would not have released my grades if I owed them a debt, and the Bursar confirmed this with me.
I also spoke to a neighbor who is a federal prosecutor and he told me to cease all contact with NCO and check my credit record IMMEDIATELY. They had not posted anything to my record as of yet. He said their practices are fraudulent and assured me I had done the right thing in contacting the university directly. He also told me that any remaining debt I may have had (which I don't) is beyond the statute of limitations for both Pennsylvania and Virginia, where I currently reside.
Yesterday NCO contacted me again, still trying to collect on a debt that doesn't exist. When I called the woman out on the fraud, she became belligerent and threatened to report the debt to my credit record. She offered to send me a statement of the debt to prove it existed. When I asked her to confirm my address and social security number, she said she was unable to procure this information on her own, so she had nothing to repeat back for my verification. Then she asked me for my address and social. NEVER GIVE ANYONE YOUR SOCIAL OVER THE PHONE!!!! When I informed her that it would be hard for her to report me without my social security number, she became more indignant. She also didn't have an answer when I asked her how she got my phone number. She would know where she got the phone number (which, by the way, is listed to my father - not me - who has a different last name since I have been married for 8 years) if the university actually gave it to NCO.
I told her not to call again and that I would be reporting NCO to the FBI's financial fraud division. She hung up on me.
Also, she sounded like she was eating a sandwich while we were speaking over the phone.