NCO Financial Systems Complaint - NCO...Troublemaking LIARS
PHILADELPHIA, PENNSYLVANIA -- I was contacted by NCO telling me I had a seriously delinquent Amex account. I told them I had perfect credit and paid all of my bills on time so there must be some mistake. They then informed me this was a joint account with my ex-husband of six years ago who was filing bancruptcy, refused to pay and told them to go after me for the money. LIES, but I didn't know it at the time. They then told me that the $5000 had been reported to the 3 major credit reporting agencies and was on my credit report. Again, LIES, but I didn't know it. I was livid and frantic and left a hateful message for my ex-husband that he'd better clear up this matter. He in-turn left me a not-so-nice message because of my message. During the next two days I spent hours on the phone trying to find out what the heck was going on. After going through 6 people at American Express, I finally reached their legal department who assured me that NCO could NOT put this on my credit report because I was only an authorized user of that account and never a co-signer. Amex contacted NCO and had my phone numbers removed from their records so they can never contact me again. HOWEVER, now my credit report has an inquiry on it by NCO - a collection agency and I DO NOT appreciate that. As well, it caused very bad feelings for a few days between me and my ex, which has always been an amicable relationship. NCO has not heard the last from me. I will be reporting them on every website and to every government agency I can regarding their deceitful business practices.