BOSTON, MASSACHUSETTS -- I had an Associates' Credit back a few years. I guess Citibank took them over. I fell behind in payments, as well as my other debts due to my fiance moving out and leaving me with a lot of bills and splitting the household income in half. NCO called my house and my work constantly. They left embarrassing messages on my voice mail in work that anyone filling in for me could hear. I finally called & made a settlement agreement with them. The man said if I agreed to let them automatically deduct from my checking acct every month, they would settle for a certain amount.
I gave him check numbers and we did that for over a year, final payment being in July, 2002. Never heard from them since. I recently have been in a position to pay off all my debts and am now debt-free. I then began, shortly after, receiving collection letters from a Financial Services Inc. who claimed they worked for NCO. I stated I paid this a long time ago. They said "prove it!" They said get all the cancelled checks and prove it. Well, at $25 a pop over a year's worth of checks, I wasn't about to do that.
I then called NCO and asked them what the story was. Spoke with a **. He said he can see by my records I am paid and sent me a faxed letter stating to so to send to Financial Services. (Why I had to do this if they worked for NCO is beyond me). I then faxed the letter. I heard nothing from them and still got collection letters. I just ignored them until I received an updated credit report and it had NCO on it stating that this was a valid debt and I was delinquent. I had just sent away for all 3 credit reports in April...and they were not on any of them at that time.
I called ** again. Told him "I think you saw I paid off all my debts and think you can come after me for over and above the already paid settlement?" He stated, "no..you are paid..let me talk to my general manager and see what's going on." Promised he'd call me back in 15 minutes. Well, it's been two weeks and now after all the trouble I went through to fix my credit and paying off all my debts, NCO is on there.
I filed a complaint with the Better Business Bureau and Atty. General's office of Oklahoma. I'm awaiting their response. But I'm disappointed to see all the complaints that have been filed against them so far (even with the BBB) and nothing has been done to shut these people down. I'm wondering if anything will ever be done.
I have a debt filed against me with NCO. The man that first contacted me identified himself a lawyer. He kept telling me he needed the money now tonight, etc., etc. I told him it would be about 2 weeks before I could have 2500 dollars. He refused to give me time to get it, called me a liar, screamed at me and told me if I couldn't get it from family - they obviously don't trust me.
He then called my husband's work (after I told him he can't be reached there), called the manager a liar when she said he couldn't come to the phone, divulged information about the debt to her, screamed and yelled then slammed the phone down, called my husbands cell. He (husband) called him back when he got a few minutes, was all cordial and readily agreed to have the money in 2 weeks. Go figure??? Why not do that for me?
I have been divorced for two years and the Capital One card we had has been placed with NCO. I explained to the NCO representative that I don't hardly get child support and that my paycheck hardly covers my bills. She rudely informed me that they could garnish all of my wages until this was paid down. I gave her my ex's contact information and they still rudely contact me at work and at home at all hours of the day and night. I tried to come up with a small monthly amount to try to satisfy the debt but they wanted 900 in full now when the original balance was 300. The people are rude and very unprofessional.
I received a bill from NCO stating that I owed them 360.00. When I called in to make a payment, they refused my partial payment and said I had 'til 9 to make the pay in full. I informed them that was not possible (when I finally got a chance to talk). The person I was speaking to then told me she didn't need a pity party from me and that I shouldn't have gotten a cell phone if I couldn't pay for it (like life doesn't change and unexpected bills never happen). I then asked to speak to her manager who was even more belittling.
Needless to say, they never took my payment and now I have to figure out who will take my payment because there must be a note on my account that says something along the lines of "do not take payments unless made in full". Can they really deny partial payments and be so badgering? What can I do about this?
OHIO -- First of all, I would like to address **'s comment and everyone else's like hers. It's pretty snotty for you to assume that people are being harassed simply because they didn't pay a bill. There are a number of people, including myself, that are getting harassing calls because someone else fraudulently supplied our phone number knowing they would never pay the debt incurred.
No one should be commenting about anyone else's debt or financial problems considering the economy right now. You do not know their situation and therefore should not speak to it. There are lots of hardworking people that would happily pay their debts if they were not suffering financial difficulties as a result of layoffs and economic downturns.
I have been getting phone calls on my cell phone from NCO and countless others for many months now, all because some woman that I don't even know randomly picked my cell phone number to used to perpetrate her fraud. I am sending my cease and desist letter off today. I am also saving all of my time and date stamped messages to prove the harassment. I wish all of you the best of luck in ending your torment.
BALTIMORE, MARYLAND -- NCO Financial Systems has been calling the phone number listed at our address for an **. We have told them from day one that there is no ** at this number or address AND THAT WE HAVE NEVER HEARD OF HIM. We discovered that NCO Financial is attempting to collect a bill from ** generated at Sinai Hospital in Baltimore, Maryland.
We contacted Sinai hospital and talked with many people there and was assured that they would make sure that we were not to be bothered again. That was over a year ago. To this day we are receiving calls from NCO Financial Systems beginning at 8:08 AM every day and many times three times a day.
We have advised NCO Financial System countless times that the information that the hospital received was a bogus name and phone number. Nevertheless they have continued in their futile but annoying efforts to harass us. We are asking for relief in the amount of two hundred fifty thousand for every phone call made by the Defendant NCO Financial to our number from July 1, 2007 through present date of the filing of this complaint.
I have recently experience a horrible experience with NCO Financial System. They harassed me for close to a month regarding a payment that I made directly to my credit card. When I finally spoke to their representative (** and then the disrespectful Account Manager) they all indicated that I will receive a receipt from them indicating that they are no longer working on my account because it was paid off.
When I spoke to the Account Manager (who by the way is unprofessional) he stated that they do not provide letters of receipt and when I addressed him why would his representative tell me something that was not true, he became enraged and told me that I should have paid my bills.
NCO Financial System have no right to tell consumer what they should and should not do. They have no form of ethics and have a tendency of harassing the consumer. What enraged the Account Manager was that I paid the bill directly to the credit card rather than working with this incompetent staff. NCO financial system staff have no idea what they are doing and use different forms of tactics to frighten or upset the public in order to get pay. If you encounter a similar experience PLEASE complain to the Federal Business Bureau in order to get them fined or better yet get them all fired.
NCO Financial Systems has been calling me almost every day about a bill I don't even owe. The company they say they are collecting for I have spoken with and that company is saying I've never owed anything and that they have sent letters to NCO to stop them from calling me.
Also, when NCO calls, they leave messages on my phone stating that they are a collections agency, for me to call them back at a certain number and then they leave my "case number". They then repeat the case number and those two numbers are completely different. I have heard so many things about them trying to scam people out of money!
PITTSBURGH, PENNSYLVANIA -- For the past several months, my company has received repeated telephone calls from NCO Financial concerning a past due bill of an employee's ex-wife. He has spoken to NCO on the phone and explained it is not his bill, but his ex-wife's. They do not care. I, the company owner, have answered a number of calls during the day and instructed them not to call the Place of Business. They ignored this request and are now sending automated telephone calls up to three times a day here. They also call every evening after-hours and on week-ends. This ties up my telephone lines, my secretary, me and my answering service. What can be done to stop these people?
I recently started getting phone calls from 3 different people at NCO re: a supposed balance on an AMEX card. One was very polite, one just told me he found out where I lived for the lawsuit and the third gave me 3 days to refinance my house to pay them. These calls were all before I received any written communication from them.
After I received the first little notice, the third person I had spoken with called to ask if I had decided what to do. I told her I disputed the amount of the debt and had sent a VoD letter. She said that wouldn't stop them. Immediately after hanging up with her, "lawsuit boy" calls and I quote "My next call is to your husband to tell him what you did with this account. Got me?" and slammed the phone down. Over the next 2 days there were 3 phone messages to my husband on our voice mail from "lawsuit boy". NCO received VoD letter at 9 am, 8/31.
Today my husband gets a hand-addressed envelope containing a letter to me (he is aware of situation) offering a settlement. Letter is dated 8/30, postmark is 8/31. Is this considered validation of debt? Since it the postmark would be the same as the receipt of the VoD letter, is this a violation? I believe I may owe something, however have not received statements from AMEX for over a year and want to verify what is really my responsibility and what is fluff. Help!