NCO Financial Systems Complaint - Did NCO steal my money???!!!!
GEORGIA -- Let me explain my problem w/ NCO and please let me know if this is a common practice for them. And also if I need to get some legal help.
On Feb. 2004, I received a letter from this company saying they were handling the past due accounts for Cingular Wireless. I had a bill of $600 something,, the letter stated if I paid them $323.00 they would settle. I called the number on the letter and the person I spoke with (believe it to be their PA office) he stated that I had to take this offer immediately or it would not be offered again. I set up a payment to be take directly out of my checking account. The date it was to be taken out was Feb 20, 2004.
The amount was taken out and I thought all was settled. Guess that is what I get for assuming.
I ran my credit report on Nov. 2004. Ok,, here is where I'm not too observant... but I was looking over it yesterday (Feb 11, 2005) and I noticed that NCO for Cingular Wireless had me listed as not paid on my account. Well, on my credit report there was a Number for the PA office and I had the account number from Cingular wireless and the Account number from that collection agency. I also have my bank statement, showing that the amount was taken out 2/20/04. What I have not located at this time is the original letter sent by that company in regards to the "settlement payment" (I have moved since receiving it, and it may be in storage, I am in the process of looking now). Well, I called and spoke to a man named Dwight I believe. And his voice was very familiar to me. I honestly believe it was the same person. I remember our conversation back in 2004 b/c of some work related talk we were doing (at the time I worked in a call center and we were commenting on that type of work). When I told him that I noticed that NCO had not marked me as paid he asked for my account number. I gave him both numbers and told him that it was a Cingular Wireless account. He couldn't pull up anything w/ the account numbers so then he asked for my social security number, he didn't pull anything up w/ that(OK, NOW THAT HE HAS MY SS WHAT WILL HE DO WITH IT? I NEVER REALIZED THEY WERE BAD AT THIS POINT!!!) He then stated that NCO no longer handles cingular wireless account. But then he did state that he would try to do a report and it should appear in 30 days on my credit report as paid. But I couldn't understand how since he didn't have my name or anything.
After that I called Cingular wireless,, and they should me as NOT paying ANYTHING!!!!!!
The operator there gave me a number to a NCO office in Alabama. I spoke to a woman there and told her the situation and she directed me to another number,,, by the time I called that number they were closed for the weekend.
Now,,,, guess I have to wait until Monday.
All I know is someone took out my $323.00 directly from my bank and I will go to my bank and they can trace that.
After that I guess I need to find my original letter about the settlement. My GF says that maybe an employee pocketed my money, but I don't know where the money went as of now.
With the problems that you have heard of or encountered,, have any been of this nature w/ NCO?