NCO Financial Services reviews and complaints

They called me and said that I had a debt and I needed to contact a certain person. I'm 17 years old. I have no debt. NCO is a scam, and I'm wondering how they got my number in the first place.

I am dealing with an identity theft issue and have a police report and FTC report. I started credit disputes, update contact in credit bureaus. NCO calls every hour i made them aware of issue. They still call, refuse to remove from credit. I have sent them a notarized letter registered mail. If they dont stop within 7 days I am filing FTC complaint as they are in violation of federal laws since police report number given and FTC report id given.

-Nathan

I manage my son's finances and they have been taking money out of the account twice a month, I wanted to change this to once a month but they refused to do it. My son works in construction and he isn't always working so I wanted to pay this company once a month. They have overdrawn the checking account twice leading to 4 overdraft charges so I told them that I was going to cancel the automatic withdrawal then the guy I was speaking to said they would turn this over to an attorney and then my son would not be able to have a checking account or be able to but anything on credit for five years. I think this is unfair to not work with me on this issue.

NCO has been pestering me for over a year now for my EX husband's delinquent credit card which he has since made adequate arrangements with the original creditor to not only pay, but to continue to keep and use the card. ( They seem to have to the poor judgment to think "I" am going to help them harass him.) They have since stepped up their game by stamping MY name onto the bill, trying to make it look legit. But I have NEVER had an account with that particular credit company. I pay my own bills, but I neither have the funds or the incentive to pay other people's bills.

I WORK ON CREDIT REPORT, AND DO A HELL OF A GOOD JOB ON THEM "YOU WILL NEED TO CONTACT NCO ABOUT THAT ISSUE AND SPEAK WITH A MANAGER; THEM IF THAT DONT WORK CALL A LAWYER FOR YOUR SAFTY.

Last year NCO Financial bought a 4 1/2-year-old debt. They reported it to Equifax and changed the date on the debt to make it appear that it is current. Instead of listing the entry under "Collection Agency Information, " Equifax is listing it as a Current Account. NCO is keeping the account current by charging me exorbitant interest every month.

Because the original debt is also still listed on my credit report, what I have, in effect, is a duplicate enty. As a result, the total amount of all my my debts has increased by more than $17, 000. Is this legal? I think NCO is doing this to intimidate me to pay them off.

Because the debt is more than 4-years-old, it, the statue of limitations on its collection has expired. So by changing the date, NCO is trying to circumvent the statute of limitations.

Is NCO allowed to charge me interest and thereby make it appear that the debt is current?

This is Typical of this company. If you research them on google. you will see that they "make up" fake bills on their system to look legit and then they buy your contact information from one of the many clearing houses available. They then start calling people demanding payment for bills they have no entitlement too. I have seen where NCO has actually called the family members of people who are dead and have been for many (40+) years telling the families the the person "died owing this bill..." and "You are REQUIRED to pay it or you are going to be sued..." and these SUPPOSED Bills are from companies that were not even in business 40+ years ago...go figure...so you DO have to watch these life sucking crooks. DO NOT give them ANY information and study up on your FDCPA and State Debt/Debtor laws...Something else you can do is tell them that you will deal with the ORIGINAL CREDITOR ONLY! and not them then send them a cease and desist letter. This is what I have done and they still call me in violation of that order but I turn it over to my attorney and the FTC and BBB ( I tape them when they call. I tell them I recorded the conversation AFTER the conversation ends and then IMMEDIATELY hang up). Totally legal as long as you tell them the conversation is recorded, nothing they can do (this of course depends on what state you live in).

I have the proof however, I do not truth anyone anymore.
I would rather write to the regulator for bad debt collections. I am not so sure if I trust them either!

I just got a bill from NCO saying they bought a debt from my hydro company, but I have a hydro bill from the past two months that has everything paid in full. NCO's bill did NOT include my name, only my address, and the bill came from an NCO office in a different province (Can). Is it possible that this bill actually has anything to do with me, or is it flat-out fraud? Could this show up on my credit rating?

Also, a few months ago I was approached by a solicitor who said he was from some local hydro company (assumed it was the 'official' one; the guy's act was really convincing and I wasn't suspicious so I wasn't paying close attention to what he said) and he wanted to see my bill, and that he could offer me a flat deal if I wasn't already getting it. I showed him a hydro bill but asked him to come back while I found some other paperwork for him. While he was gone I called the real hydro company and learned it was a scam and was told not to accept, so when he came back I told him I declined his offer. I then learned from a coworker that all they need to do is see a bill and they can hijack the payments and I've been paranoid ever since. Now I'm worried the fake hydro company is connected to NCO. The real hydro bill from December did arrive after that incident with the fake hydro company though.

Not sure if this is the right place to post; anyway, I'd appreciate any input; wish I could be of more help to others.

I had a Capital One Visa account that I got behind on (the balance wasn't over the credit limit at the time, just past due). They placed the account with NCO and I started getting calls 15 times a day, to my work number, my home number, at all hours, even on SUNDAYS. I finally spoke to someone at NCO and they read the usual "this is an attempt to collect a debt, this call may monitored for quality assurance (yeah right), your Capital One account, - we need a payment of $249 right away." I told them I was paying THROUGH the Capital One website, NOT them and that I had just made that payment and to STOP THE FREAKING CALLS.

The ### on the other end apparently did not believe me and said the calls would continue until they received confirmation that the payment was posted.

I think they're all in Bangalore, by the way.

I have had daily messages also from NCO on a "delinquent account" that does not exist. After a long discussion about how I did not owe any money the guy said that I could fax all of my info proving that its paid off to try to resolve it. I got suspicious and asked more questions. It turns out the SSN and date of birth that they had on record were wrong. I do not know for a fact but I suspect these folks are not legit. I sent the info to abuse@capitalone.com for them to investigate as NCO was claiming to to have bought my account from them.

The simplest way to clear this matter up is to contact NCO Financial Services Inc. and inquire as to why they felt this account had been transferred when the creditor claims no prior knowledge of any such transaction. Ensure you record the time and dates of your communications with NCO, including the name and agent number of the individual you spoke to. In order to speak to an individual with any kind of clout regarding this, you are going to have to ask for the supervisor in charge of accounts for this creditor, Asset Acceptance LLC, and inquire of this individual when the account came to be in their possession, and why it is the creditor seemingly has no prior knowledge of such a transaction. In order to back your claim up, you are going to need to have the cheque or money order receipt clearly showing that payment was made to NCO Financial, and in what amount. Offer to fax a copy of the cheque to both NCO Financially, and Asset Acceptance LLC. This should go a long way in clearing the matter up. If, for some strange reason, this fails to achieve that end, you will have to contact your government offices, and ask to speak to the regulator for debt collections. Once put through, you can explain your situation, and offer him/her proof of what you are saying by way of the processed cheque. Unfortunately, if you are unable to get a copy of either the cheque or money order (which always comes with two copies, one for the recipient and one for the debtor) used to pay this debt, it's unlikely you will be able to resolve this matter. However, that said, you should be able to get your hands on a copy of a the cheque through your financial institution. Money orders are also kept on file within the bank or credit union for, I believe, ten years. As such, for a fee, they can and will provide you with the money order receipt if this is how you opted to pay.

I'm sure, once you gather all the evidence, you'll get this matter cleared up in no time. Collection agencies are NOT above the law, and answer to regulating bodies. Providing you made payment, as you state, and can prove such, you'll find yourself with more help than you need in seeking out these regulatory bodies and advising them of your situation .

Good luck!

I Agree this is a company that thinks money grows on trees and you can pay your debt just like that notttttt very likly they should think before thay act not very bright I think

They are rude and disrespectful and i think its time for another class action law suit to happen.

ACC#DBS590 Supposed amount $479.78 Readers Digest Roy McGann

the amount in question is now $266.92

$99.54 paid May 23/08
$113.52 paid May 28/08 (enroute)

Balance owing $266.92 will be erased by June 04/08

NCO calls me every day, sometimes twice a day looking for somebody that owes a debt. I have spoken to them repeatedly and told them that they have the wrong debtor yet they continue to call.

They call my house.. 5 times a day sometimes.. 7 days a week.. It need to stop... I have Health issues.. They need to stop..

Are Farrell & Seldin junk buyers? Do they represent Capital One Bank or not? Cap. One sent my alleged debt to a Co. called NCO Financial who call me over and over, all day long. Now months and months later, I get a letter from Farrell & Seldin stating that they represent Capital One. I am asking for Verification of Debt. The letter also states that "no attorney with this firm has personally reviewed the particular circumstances of your account." And that they will obtain verification and mail it to me.

NCO financial just called MY BOSS AT HIS HOUSE... OMG! I recently got laid off from my previous and was unemployed for 6 months. I thankfully found another job and have been employed now for 1 year and trying to get my finances back on track. I could possibly get fired because of this. My boss just called and asked if I knew why NCO financial debt collection would be calling him. They even gave him the reference number to my case and my name... I'm in tears right now... How can they do this? Ruin peoples lives? How did they get his number ?

I WORK THERE AND YOU CAN ALL GO ### YOUR SELVES UP THE ### WITH A DEAD GOAT DICK

I'm wondering if anyone here knows about the statue of limitations and how some collections agencies, such as the common wealth and others re-start the clock on reporting limitations for people who've they had no contact with?
Last time I checked my report there was an item which was to be removed, according to that report on 4/10/09, and now my report says this account was opened last year. How can they do that if I've had no contact with them?

DATE:
Sent Via Certified Mail
TO:

RE: Cease & Desist Phone Contact
To Whom It May Concern:
I am writing in response to your constant phone calls!
According to the Fair Debt Collection Practices Act, [15 USC 1692c] Section 805(c): CEASING COMMUNICATION: You must cease all communication with me after being notified in writing that I no longer wish to communicate with you. Therefore, I demand that you stop calling me at home, at work, on my cell phone or at any other location!
In accordance with the federal FDCPA, now that you have received this "stop calling" letter, you may only contact me to inform me that you:
• are terminating further collection efforts;
• invoking specified remedies which are ordinarily invoked by you or your company; or
• intend to invoke a specified remedy.
Be advised that I am well aware of my rights! For instance, I know that any future contact by you or your company violates the FDCPA and that since you already have my location information, calls made by you or your company to any 3rd party concerning me violates section 805(b)2 of the FDCPA.
Be advised that I am keeping accurate records of all correspondence from you and your company, including tape recording all phone calls. If you continue calling me I will pursue all available legal actions to stop you from harassing me and my family.
Thank you,

FROM:

Address:

CC: Federal Trade Commission
Consumer Response Center
600 Pennsylvania Avenue, NW
Washington, DC 20580
[protected]

Rules for collections
• Collector may ONLY speak to the person that owes the debt or their spouse. They are NOT able to say to anyone else that they are a calling from a collection agency.
• Can only call from 8AM to 9PM
• Can NOT call multiple times in a day – even if you hang up on them.
• Can NOT threaten to communicate with any OTHER PERSON other than the debtor (or their spouse) and DEFINATLY not their EMPLOYER.
• If the Debtor is represented by an attorney, They can NOT attempt further contact with you.
• It’s the law that a if a debtor notifies the creditor in WRITING that they wish no further communication – they have to stop, or they will be fined by the FCC.
• Collectors can NOT threat or use obscene language, or harass the caller
• Collectors can NOT IMPLY in ANY MANNER that they are an attorney or associated with a legal firm
• They can NOT represent or imply that FAILURE to pay the debt will result in arrest, wage garnishment or attachment.
• They can not legally threat any action that they do NOT intent to take, like a lawsuit.
• The call must disclose their name & the company they are collecting for.
• They can NOT threaten to report to a credit reporting bureau (your payment is late, it’s already reflected on your credit)
• They can NOT use false representation or deceptive means to collect on any debt or to obtain information.

**** IMPORTANT: the statue of limitations is 4 years to legally collect on a debt. Do not EVER admit the debt is yours. Do not EVER agree to make payments. If you pay ONE PENNY, or promise, the collection clock starts all over again!

Keep a record of EVERY call. Get the callers NAME, Company & Address.

Here are 2 email addresses to use:

mike.barrist@ncogroup.com - CEO
lisa.signore@ncogroup.com - General Counsel

I would email and fax to both of these idiots requesting validation and also write to your State Attorney General for help. These are "bottom feeding ### suckers".

Hello there, I use to work for NCO for 2 and half years, it is "THE WORST JOB" in the history of the planet, I hate this company with a passion, they screwed me on my pay time and time again, they still owe me money but they found a loop hole in the legal system so they would not have to pay me, they also screwed up a few job opportunities for me. I have never hated a company more in my life and it's your lucky day I stumbled onto your rant. This company has made my life hell for the last 5 years now, even screwing me on my taxes. I would really enjoy helping you sue the "###" out of this company and heres how. The government installed a program called the National Do Not Call Registry or go to https://www.donotcall.gov/ and sign up right away. Wait 31 days after registering and if they call again after the 31 days go directly to the donotcall.gov website and file a complaint. I know with NCO's systems they can't get rid of the number for 90 days, so let the calls accumlate and for each time they call you after the 31 days, you can sue them $1100 per infraction/per call made to your phone. tell me if it works out for you!

If you win a law suit, please tell me, it will make me feel good inside, BRING THOSE ###ERS TO THERE KNEES AND DON'T FEEL BAD ABOUT ###ING THEM OVER AS HARD AS POSSIABLE, NCO IS THE KINDA COMPANY THAT WOULD CUT OPEN A BABIES THROAT IF THEY THOUGH IT WOULD MAKE THEM EVEN $1!

I REALLY HATE NCO FINANCIAL SERVICES TOO I HAVE BEEN DEALING WITH THEM SINCE SETEMBER OF LAST YEAR MY STORY GOES MY MOM AND DAD HAD AN AMERICAN EXPRESS ACCOUNT THAT THEY ARE CLAIMING THAT THEY OWE 21,255.35 AND I HAVE TOLD THEM OVER AND OVER AND OVER AGAIN THAT MY MOM AND DADS BALANCE IS LIKE 5,000 SOMETHING AND ALL THE OTHER CHARGES ON THE ACCOUNT ARE FRADULENT CHARGES THEY ALSO HAD TOLD ME AS OF NOVEMBER 19TH THEY HAD SENT ME STATEMENTS FROM AMERICAN EXPRESS OF THE FRADULENT CHARGES AND ARE NOT DOING ANYTHING FOR ME NOW THEY CLAIM THAT THEY WANT 5,000 DOLLARS FROM ME IMMEDITALLY OR THEY WILL TAKE ME TO COURT AND SUE ME I HAD GOTTEN REALLY NASTY WITH THEM SAYING YOU CAN DO WHAT EVER YOU WANT YOU DONT KNOW ME AND I DONT KNOW YOUAND YOU CANT DEMAND 5,000 ONE SHOT THEY DIDNT EVEN WANT TO WORK OUT A PAYMENT PLAN WITH ME I HAD IT WITH THIS COMPANY WHAT SHOULD I DO PLEASE LET ME KNOW.

If you owe your bill pay it. Look at the situation in another way. If you were a business, key word business, and persons over 1 million people owed you money and you were paying someone to collect your debt what would you expect them to do. Yes I know we all have our hardships and some companies are willing to assist when possible, but sometimes it's debtors who make persons be rude. Yes the phone calls may be upsetting, but if when they call you shout and be rude and cuss out the people who are doing their job, then do you really expect all of them to just sit there and listen to you without saying a word. And as far as wrong numbers go, you might get a call or two from NCO, then any other person calling y ou for that wrong person, is always going to be NCO for you. My advice when getting a new telephone number from your service provider ask if it belonged to someone previously.

Thanks!

My step-daughter who lives in Alabama (23 yrs old) gave them my telephone # for what reason I'm not sure. Evidently she owes them money. As I explained to these folks (NCO), "What does that have to do with me?" They call and harass me at least 3 or 4 times daily. What can I do to stop these idiots from calling my home and disturbing me?

Dear Ms. Mendivil,

Hello, my name is Attorney Joseph Mullaney. I read with interest your post to a complaint filed on www.ComplaintBoards.com. I have represented consumers against companies that mis-program their computers to call the "wrong person." I have found that the only way these companies change their policies is to be hit in the pocketbook. If you have a residential (non-business) telephone number receiving unlawful telephone calls, you may have a cause of action. Did you know that you may be entitled up to $1000.00 under the Fair Debt Collection Practices Act, 15 U.S.C. 1692, et seq. and another $1500.00 for each automated (prerecorded or artificial) telephone call under the Telephone Consumer Protection Act, 47 U.S.C. 227, et seq.?

If you wish to speak about your matter, please email me. If we agree that professional representation is warranted, I represent consumers without any upfront costs or attorneys fees. Instead, they will be deducted from your recovery and/or awarded by the court against the defendants. I hope to hear from you soon because there are important statute of limitations governing your possible action.

Very truly yours,
Joseph A. Mullaney, III, Esquire
Law Office of Dimitrios Kolovos, LLC
701 White Horse Road, Suite 3
Voorhees, NJ 08043
Tel [protected]
Fax [protected]

NCO will never leave you alone.

If you do owe money, do NOT pay by credit card over the phone. Make them send you a bill and then pay through registered postal mail. INCLUDE with your payment a notice such as "By accepting this payment you agree to remove any negative marks placed against me on my credit report regarding this debt. If you do not accept, this payment is void."

A month ago I started receiving phone calls on my cell phone from NCO Financial. Someone named Greg Adams had given them my cell number as his business number and then apparently skipped out on a loan.

They were, from the 1st call, rude, and completely unprofessional. The one polite and helpful person I contacted assured me that they would take my name out of the computer and I would not be called again. That lasted two whole days. Their computer would call at 8 am, 1 pm, 8 pm. I informed the individual who called yesterday the I was filing a harassment complaint with the FCC and the Better Business Bureau. I filed the FCC compliant yesterday and haven't received a call last night or today. If they were a reputable company they would hire cautious, professional people. They would also verify telephone numbers through the carrier prior to calling. The logic that the person who skipped out on paying what they owe gave them a valid phone number and is then lying about who they are vs. the person having made up a phone number to begin with escapes me. Do NOT Deal With This Company.

I personally have never dealt with such rude and sarcastic people in my life.I know that i owe a certain amount of money to the collection services there but as i told them many times i will pay when i can as i am on disability from community Services. I even offered to pay $ 5.00 a month and was told that the amount was not enough so the way i see it my account is payed because they refused my offer that i was able to pay. They call my house anywhere from 2 to 3 times a day leaving messages for me to call, my reason for not calling back is everytime i tell them my situation and that i'm disabled they become quite rude so hang up i do not need these people causing me stress and making me feel uncomfortable . when they call the display always says out of area. If my daughter calls me from her work place that also is what comes up on my call display,my point is if an emergency comes up and my daughter calls and i don't answer the phone because i think it is nco i will be holding them responsible if anything happens to a family member if call display shows out of area. I am now in the process of sending them a copy of what i get a month from social services so they will believe me,my family members are also thinking of seeing a lawyer on my behalf and to see if harassment charges can be layed on this company and for causing me undo stress which causes my illnesses to make me sick and mental stress as well.