A few simple points to consider before complaining... If you have never had an account with the creditor they represent, the creditor is who your complaint is with not the collection agency; they simply pursue you based on the information provided by the creditors. If you are not the right party, cooperate with the collection agent to confirm this and they will not call you again. Are you the person their looking for? If so, then you have an obligation that has not been fulfilled, and you must do so in a timely fashion.
If the collector you are talking to is unprofessional ask for an officer of the company, most agencies have a compliance officer. Without the agencies aggressively pursuing debtors who have not paid, every "of age" citizen is now carrying the burden of the debt by paying higher interest rates and tougher qualification requirements. Not to mention more taxes for the bailout of these larger corporations.
If you are the indebted party and are upset with the calls to reach you, you need to reevaluate your efforts to resolve the issue. If you truly are unable to pay the debt back, the bankruptcy courts will bring the account to its final conclusion, whether it is a personal debt or a business debt.
The problem in my opinion is people get frustrated with the embarrassment of their inability to pay and have learned in our society that if you complain loud enough you can sometimes avoid the obligation all together as the creditors are not looking for a fight and will stop pursuing the debt as a course of least resistance. Most of the people who complain on these blogs fall into this category. If the collection agents are threatening action outside the abilities of actual legal recourse they are acting criminally and your complaint is best addressed by Law Enforcement.
My suggestions are as follows: If you owe a debt: pay it!!! If you can't pay it: file the relief the creditors are entitled to by filing Bankruptcy!!! It is a tough job to be a collection agent, most parties are in denial and attack the collector and the methods legally approved by The F.D.C.P.A. in an effort to avoid their obligations. ON the flip side if more people would talk to the collectors they would find that they have insight on ways to resolve the issue to the satisfaction of the creditor and the debtor.
I have been in the industry 25 years and have been able to help THOUSANDS of parties resolve the problem of not only the creditor I was representing but other creditors they had in delinquency as well. Collectors are not the problem, people hiding from or ignoring their creditors are the problem. If you have any questions on how to address debt issues please reply to my blog - I will be happy to assist in any way possible, and it will not cost you a dime, only your time to research the best solution available.
NCO Financial started calling me very soon after I went delinquent on my American Express card. Before I go any further, YES I do owe the debt, but due to financial reasons, I was unable to make any payments at the time. So, they called me all day, every day... Called my cell, my wife, anything they could. Even after talking to them and explaining my issue, they would call me back the same day hoping that I miraculously won the lottery and could pay them. They all spoke horrible English and eventually started talking down to me and trying to put words in my mouth.
After months of this, we finally came to terms on a settlement, but they REFUSED to put anything in writing. After talking to 4 supervisors and catching them all in lies about their company's practices (they all contradicted each other), I finally got to feeling that I was being scammed and just felt very uncomfortable. I called American Express with an attempt to settle directly with them, however they said I could not. I then learned that NCO was contracted out to collect the debt and that it WAS NOT SOLD TO THEM. The lady with AMEX asked if I would like to file a complaint with their actions, I did and she removed them from negotiations.
Within a week's time, NCO stopped calling and Nationwide Credit took over. After a 20 minutes phone call, I came to terms with Nationwide and within 3 weeks, the settlement was COMPLETE!!! NCO has not called me since. I am more excited to see NCO go down than I am to settle that account... lol. So if you are in the same boat as I was, call your original creditor and see if you can have them removed from the account.
About 2 months ago, I started getting telephone calls from NCO Financial at ALL times of the day. Starting at 8am and not ending until 9pm. I finally got tired of it and called them back. They told me that I had a debt that needed to be paid. When I inquired from whom this debt was for, they stated it was from Sears Roebuck. Here's the kicker... I haven't had a Sears account since 1989 when my credit cards were stolen.
When I asked the guy at NCO what the date of the debt was. He stated, 1989. I then told him, that under the laws of Florida, this is a non-valid debt as it was from stolen credit cards AND extend past 7 years. I told him to stop calling me, and if they continue, they will be sued for harassment and fraud. That actually seemed to work.
Then, I jumped on the phone with Sears's Fraud Department. Of course they asked me for my account information... which I didn't have and haven't had in 20 years! I informed them that selling an account that they had a police report on for theft, was illegal and I demanded that they ceased NCO Financial immediately, or they will also face a lawsuit. Their fraud department "disconnected" my call THREE TIMES!!!
I decided to pull my credit reports. Sure enough, NCO Financial is listed on my credit report SEVEN TIMES. TWO are for the same account (for which proof of theft was given). The other FIVE accounts were from companies that go back 15 years or more!
This is very frustrating as I DO NOT OWE ON THESE ACCOUNTS. I spent three years of my life fighting credit card companies and proving the theft of my credit cards and identity theft. Now, thinking that I can start to get my life back, NCO Financial decides to repost old debts to my credit file. Regardless that I do not owe them anything! Now, I have to go back 20 years, find the police report and dispute all the items on my credit report.
This is a never ending cycle and I am so fed up with it, that I am going to fight fire with fire. I'm not only posting as much negative information about NCO Financial and the companies that sell their accounts to them, all over the internet... I am going to every single BBB and Government Consumer Department known to man.
NCO Financial, needs to stop being greedy and buying up accounts! They need to actually research the "zombie" accounts that they are buying before they find themselves out of business for good. I think a Class Action Lawsuit is in order. And I believe, that any company that sells its old and closed accounts to NCO Financial, should have to pay as well. Selling fraudulent and old accounts should be against the law! It's fraudulence on a corporate level.
PENNSYLVANIA -- I called NCO Systems today because I had been getting a lot of letters and phone calls and was curious as to why they had my phone number and address. I thought at first, they were some type of marketing company and ignored them. Since I am retired and have not charged anything, I called the main number, inquiring as to how they got my number and why were they calling me.
One of the first things they asked was my social security number!!! Can you believe that??? I refused naturally, and they asked how I could be helped. The man was nice enough. He asked if I knew a certain person, and said the name. I explained that was my grandson and he had purchased a phone at Sprint "on his own at the age of 16" with no problem, just a show of his driver's license. When I heard about the phone bill, I agreed to pay his current basic service, but no added services because he had not asked for that.
However, after we called Sprint and said we wanted nothing but basic service, they added unwanted services back to the phone, after they had removed them. I had to pay the huge phone for him, since he could not. I told him "No more, he would have to cancel," which he did. He was living with me for a time after he purchased the phone and that is how my address became involved. Apparently NCO got my number through my address. He has since gone away to college and I did not respond to the mail, since it was in his name. I just thought it was "junk mail" and threw it away.
The man I spoke with at the main number of NCO Systems gave me this number 1-800-709-8625 to call. He told me to tell them exactly what I had told him and they could handle it. I thanked him politely and dialed the number.
HAH!!! I thought I had entered into the script of a horror movie. I got the shock of my life!!!
The person who answered the phone was the rudest, loudest, most unprofessional person I have ever spoken to in my entire life, especially for an employee of a large corporation. NO ONE has ever spoken to me the way this person did. At first I was totally speechless! I tried many times, but never got the chance to explain my case. She refused to let me.
This woman went into me immediately, like dynamite, yelling and screaming like a "Banshee!!!" She was trying her very best to keep me from saying one word, but I did manage to add a few phrases the whole time she was yelling at me. I doubt very seriously she heard anything I said, she was ranting and raving so. I was trying to tell her to PLEASE just let me talk. She refused! She was in her own world of rude people. She had no reason whatsoever to treat me in such a deplorable manner. I did not owe her one cent! I did not even have an account there. They were abusing my phone and address.
Where did they find this person? She has to rate in the top 20 "Rude People in the United States!" Has she been trained by her company, NCO Systems to act in such an unacceptable way??? I certainly received the shock of my life. I did not know anyone would hire someone like this, especially a large company like NCO. I was awakened to the facts of life!!! Apparently she had been on the phone and had heard everything I had told the gentleman, because she went into me before I could get anything out of my mouth. She knew my grandson's name before I even told her anything.
I asked her over and over to please let me explain the situation, but she kept ranting over and over. I told her how in the world she was able work for this company was beyond me and I hoped her boss was listening to her. I just hung up the phone with her yelling all the while.
I hope no one goes through the nightmare I just experienced at NCO Collections, a part of NCO Systems. Needless to say the issue was never resolved. She did not want a resolution!!! She just wanted to "blow off steam" and I, unfortunately, was her victim!!!
WILMINGTON, DELAWARE -- I became ill months back and had to cancel some home services, which included my cable/Internet. I just received a letter from NCO Financial Systems, INC. They are collecting for the DSL Company that I owe. Which is fine, I admit I owe this company some money. So, I had every intention of going to NCO's website to make a payment.
To my shock, they want to charge a $12.00 "Convenience Fee" for every payment you make. So, if I make a $20.00 payment on my account, they will deduct $32.00 from my bank, and only take $20.00 from the balance. This is outrageous. I have never seen a fee like this. I pay all my bills online, and none of them charge. How are you supposed to pay off debts with outrageous fees like this? Can anyone shed any light on this? Is there an agency that should be made aware of this "Convenience Fee?"
FLORIDA -- To any Lawyer who gives a damn about justice, my name is ** and I worked for 3M in St. Paul, MN as a Medical Sales representative for over 5 years ending 10/2011. At 3M, we are given a corporate credit card to entertain doctors and hospital staff as well as pay for out of town sales trips and such. This credit card is taken out by 3M and not by me or the individual sales representative. I have checked my credit report and there is no trace of this credit card or its history on my report. I currently have about an 800 credit score.
As of a couple weeks ago, this NCO financial has been hounding me about paying the remaining balance on my 3M corporate credit card and saying I have personal liability and that it is on my credit report. They are obviously in cahoots with someone at 3M. I'm not sure where to go from here but this is absolutely ridiculous. This might be a chance to finally rid ourselves and our society of these inept idiots without a conscience. I refuse to back down from these things! Thanks.
507 PRUDENTIAL RD, PENNSYLVANIA -- For months, I have received 3 plus calls a day from these jerks. I have talked to at least 6 people telling them the person they are calling is not at these phone numbers. They tell me it will take a week for them to stop calling, but MONTHS later, they waste my time daily. Now, the jerks are calling my cell number. All of our numbers are on the "DO NOT CALL LIST". I am sending a certified letter. I would love to start or join a "CLASS ACTION LAWSUIT".
There are laws against doing this but these KNUCKLEHEADS DO NOT OBEY THE LAWS. It's time to involve the Attorney General of my state and yours. Please call or e-mail the FTC and the AG of your state immediately. Maybe they will stop these lawbreaking knuckleheads. How can it be legal to call a business and announce to whoever answers the phone they are calling about a debt and mention the person's name? Surely, this is illegal behavior. I have hung up on them for months, but when they started calling my cell for somebody else, I had to draw the line.
I just got a new cell phone. The person that had this number before me, I guess owed NCO money. As a favor to NCO I called them to let them know they had the wrong number. They were very RUDE. I don't think this company is in any means professional and should not be talking to the public for any reason. If the jerk I spoke to were in front of me, he would have been punched in the mouth! If he had the balls to speak to me like that in person. NCO learn some manners, and can go to hell! I hope the guy that had my number before me and owes you money sticks it up your rude asses!