NCO Financial Systems Complaint - Harassment - Collection Agency
After receiving nothing from Capital one for over 3 years, I received a notice in the mail from NCO. I called them the same day to inform them that the account was closed over 3 years ago. The women I talked to pretty much called me a liar and told me I had to live up to my responsibility. She them told me she would accept a payment of 900 (on a original balance of 200), I told her that I would not pay that and that’s when she told me then "further action would be taken". I again told her that the account was already paid; she said that she had no documents proving that and unless I had the cancel check I needed to pay. Who keeps canceled checks for over 3 years? I told her to have a nice day and hung up. I called back a few minutes later after looking for the paperwork and calling my old back (who also do not check canceled checks after the account is closed) and tried to set up a deal to pay the account again. I spoke with 3 people who were just downright rude.
When I asked why it has been 3 years since someone contacted me I was told that that was not their problem and I should have contacted them (on a account that was settled!!!!). I told them that the settlement price they were asking was ridiculous and that the account was almost 10 years old. They told me that they spoke with Capital one via email and that is what they offered. I asked to be forwarded the email and was denied. Then the women on the phone started to yell at me that that was the offer, take it or I could pay the balance in full. I asked her not to raise her voice to me and she said that she was "tired of playing my games" that I needed to finally take responsibility for my actions. I then told her that I did not appreciate the attitude and rudeness that I have encountered since I first called and she said that she did not appreciate my attitude. I told her that I have been very good up to this point and even offered to pay again for an account over 10 years old that I already paid for once.
She told me that she would not continue to have the same conversation and either I pay for the debt or they would further action. That is when I get the payment information and told her I needed time to decide. What kind of company is this? I offer to pay and get belittled by them in the process. I am tempted to not pay just because I don't want any of those people getting any money from me after the way they acted!