EGS Financial Care, Inc

May 22, 2014Dear [redacted]:I acknowledge receipt of your May 16, 2014 follow-up letter for the abovereferenced consumer. As previously stated, NCO has closed the abovereferenced account in our office. It is NCOs intent not to have any further . communication with Thomas Moehring in reference to the above account. Further inquiries, or validation o materials regarding the above account may be directed to [redacted] of [redacted] Hospital at ###-###-#### or at [redacted] NY [redacted]. Federal and state law prohibits certain methods of debt collection, and requires that we treat you fairly. If you have a complaint about the way we are collecting your debt, please visit our website at www.ncogroup.com or contact the FTC online at www.ftc.gov; by phone at 1-877-FTC-HELP; or by mail at 600 Pennsylvania Ave., | , Washington, DC 20580. If you want information about your rights when you are contacted by a debt collector, please contact the FTC online at www.ftc.gov.Should I not hear from you within 30 days, I will assume you have all information necessary to complete your investigation and close this matter. Thanking you for your cooperation, I remain,Very truly yours,

Dear [redacted]:I acknowledge receipt of the May 27, 2014 complaint for the above referenced consumer. Enclosed please find the materials we received from the creditor that corresponds to the above-referenced accounts. Please note, account [redacted] is closed in our office as paid....

According to our files, NCO Financial Systems has not reported the above-referenced accounts to a credit bureau.According to the attached letters sent by the creditor [redacted]’s responsibilities to avoid the Treasury Offset Program (TOP) were outlined. Please note that the creditor handles the Treasury Offset Program (TOP), therefore, if [redacted] has any questions relating to the Treasury Offset Program (TOP), please have her contact [redacted] at ###-###-####.Please be advised that the account balance may be periodically increased due to the addition of accrued interest or other charges as provided in the agreement with the original creditor or as otherwise provided by state law.Federal and state law prohibit certain methods of debt collection, and require that we treat you fairly. If you : have a complaint about the way we are collecting your debt, please visit our website at www.ncogroup.com or contact the FTC online at www.ftc.gov; by phone at 1-877-FTC-HELP; or by mail at 600 Pennsylvania Ave., NW, Washington, DC 20580. If you want information about your rights when you are contacted by a debt collector, please contact the FTC online at >vww.ftc.gov.Very truly yours,

The "signed" document is bogus.
It is the same document several other scavenger collection agency's tried to pass as official. Every time I dispute the debt they would pass it on to another collection agency. 
I did not go to college in texas and any loan document for a student loan would have been signed before 1999.
 Complaint: [redacted]
I am rejecting this response because:
Regards,
[redacted]

Complaint Detail
NCO calls me constantly. Today they called me at 839am, 1107am, 159pm. they sometime call as may as 8 times a day
Desired Settlement
Please contact me by us mail only with your name clearly marked so I can discard it without opening
Desired...

Settlement: Stop Contacting Me

Complaint: [redacted]
I am rejecting this response because:
I disagree with NCO Consumer Affairs Team Lead [redacted] explanation. NCO called me before for this matter and I already explain them the situation. They told me that they make a mistake and will delete the account but they sent to credit bureau instead to destroy my FICO score. This is a criminal case they should be prosecuted. Remove or correct this information from my credit report. 
Respectfully,
[redacted]

This agency is conducting hard inquiries on my credit without my permission and for no apparent reason that I have been notified previously!!

August 4, 2014Dear [redacted]:I acknowledge receipt of your July 29, 2014 complaint from the above-referenced consumer regarding the above-referenced accounts. In response to [redacted]’s request for validation, enclosed please find the materials we received from the creditor that...

corresponds to the above-referenced accounts.Please be advised that we have contacted the credit bureaus with which we do business, with our request to. delete our listing of the above-referenced accounts from your credit profile; however, because the consumer’s social security number was not provided to us, we will be uncertain as to whether our request will be accurately processed by the agencies notified. Should you have any information that will assist us further, please contact the undersigned. NCO Financial Systems, Inc. cannot effect a chance to how any other company or entity may have listed the accounts on [redacted]’s credit.
Please note that the above-referenced accounts remain open in NCO’s system. [redacted]’s accounts have been transferred to a special collection unit. Please advise [redacted] to contact Tara P[redacted] at ###-###-#### relating to the accounts. [redacted] may also contact the [redacted] at ###-###-#### relating to her accounts.In the event that your office should forward this letter to the consumer: This is an attempt to collect a debt. Any information obtained will be used for that purpose. This is a communication from a debt collector.Federal and state law prohibit certain methods of debt collection, and require that we treat you fairly. If you have a complaint about the way we are collecting your debt, please visit our website at www.ncogroup.com or contact the FTC online at www.ftc.gov; by phone at 1-877-FTC-HELP; or by mail at 600 Pennsylvania Ave., NW, Washington, DC 20580. If you want information about your rights when you are contacted by a debt collector, please contact the FTC online at www.ftc.gov.Very truly yours,Cathy B[redacted] . Consumer Affairs-Team Lead

This company is conducting hard inquires on my credit report and I have not authorized any type transactions that would require an inquiry to be performed. Not happy with this unauthorized transaction.

[A default letter is provided here which indicates your acceptance of the business's response.  If you wish, you may update it before sending it.]
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me. 
Regards,
[redacted]

July 2, 2014
Dear [redacted]:I acknowledge receipt of your June 16, 2014 letter for the above consumer. Please be advised that NCO has closed the above-referenced accounts in our office. It is NCO's intent not to have any further communication with [redacted] in reference to...

the above accounts.In addition, please be advised that we have contacted the credit bureaus that we do business with, with our request to delete our listing of the above accounts from the consumer’s credit profile for the social security number we have listed in our records. Please be advised that NCO Financial Systems, Inc. cannot affect a change to how any other company may have listed the above account on the consumer’s credit profile.We have taken the information the consumer has provided to us very seriously and appreciate your efforts in bringing her concerns to our attention. Let us state at the outset that it is not the policy or the practice of this company to engage in unfair, deceptive or misleading practices. Nor are such occurrences tolerated. Our employees are trained and are also regularly monitored for compliance purposes. Please assure the consumer that her comments have been thoroughly reviewed and have not been taken lightly. Should it be found that a collector violated NCO’s policies and procedures relating to the handling of this account, the collector will be disciplined and retrained regarding NCO’s policies and procedures.In the event that your office should forward this letter to the consumer: This is an attempt to collect a debt. Any information obtained will be used for that purpose. This is a communication from a debt collector. This collection agency is licensed by the Tennessee Collection Service Board of the Department of Commerce and Insurance.Calls to or from NCO Financial Systems, Inc. may be monitored or recorded for quality assurance.Federal and state law prohibits certain methods of debt collection, and requires that we treat you fairly. If you have a complaint about the way we are collecting your debt, please visit our website at www.ncogroup.com or contact the FTC online at www.ftc.gov; by phone at 1-877-FTC-HELP; or by mail at 600 Pennsylvania Ave., NW, Washington, DC 20580. If you want information about your rights when you are contacted by a debt collector, please contact the FTC online at www.ftc.gov.Should I not hear from you within 30 days, I will assume you have all information necessary to complete your investigation and close this matter. Thanking you for your cooperation, I remain,Very truly yours,
?

September 15, 2014Dear [redacted]:I acknowledge receipt of the August 18, 2014 complaint for the above reference account. Please be advised that NCO has searched its databases using the information supplied by the consumer and was unable to identify the specific account that is the...

subject of the consumer's complaint. Should [redacted] receive any additional telephone calls from NCO Financial Systems, Inc., please have her request our reference number and provide that information to me at the phone number listed above.Please be advised, NCO has located a possible account in which we may be calling [redacted]. The account has been placed in a status to prevent further calls. In order to further investigate this matter, NCO requests that [redacted] provide the telephone number that NCO may be calling. Please be advised that the above account is on hold pending closure in our office Please note that we have contacted the credit bureaus that we do business with, with our request to delete our listing of the above-referenced account from [redacted]' credit profile. Since [redacted]' social security number was not included in the complaint, we cannot be certain that our request will be accurately processed by the credit bureaus notified. NCO Financial Systems, Inc. cannot affect a change to how any other company may have listed the above account on [redacted]’ credit profile.
Federal and state law prohibit certain methods of debt collection, and require that we treat you fairly. If you have a complaint about the way we are collecting your debt, please visit our website at www.ncogroup.com or contact the FTC online at www.stc.gov; by phone at 1-877-FTC-HELP; or by mail at 600 Pennsylvania Ave., NW, Washington, DC 20580. If you want information about your rights when you are contacted by a debt collector, please contact the FTC online at www.ftc.gov.
Should I not hear from you within 30 days, I will assume you have all information necessary to complete your investigation and close this matter. Thanking you for your cooperation, I remain,
Very Truly
Yours,
Cathy B
Consumer Affairs Team Lead

[To assist us in bringing this matter to a close, you must give us a reason why you are rejecting the response. If no reason is received your complaint will be closed Administratively Resolved]
 Complaint: [redacted]
I am rejecting this response because:
[redacted] of NCO Finnancial Systems told me via phone that the account was closed. Either [redacted] or the representative that wrote the response is lying and is falsely misrepresenting the account.  The response also does not explain why NCO waited several years to harass my family. The company's response also does not make up for the fact that I, as well as, my husband were treated very rudely by [redacted] and that she refused to answer our questions. Since [redacted] told me that the account was closed I would like for the account to be closed and documentation proving that the account is closed sent to me.
Regards,
[redacted]

June 18, 2014Dear [redacted]: I acknowledge receipt of your May 29, 2014 complaint regarding the above reference account. Please be advised that NCO is collecting on an account that [redacted] University forwarded to NCO with a total balance due of $626.36. Please note that...

the account relates to unpaid fees in the amount of $482.30 that [redacted]. [redacted] still owes to the University. NCO does not own this account and was only retained to perform collection activity. When the account was placed for collection, the University added an additional $144.06 to the principal balance as a charge for collecting on the account. Please note that before [redacted]. [redacted] account was forwarded to NCO, the University advised [redacted]. [redacted] if the account should be placed for collection, [redacted]. [redacted] would be responsible for paying the collection fees. According to NCOs account notes, NCO has already mailed him the validation materials relating to this account. NCO is forwarding you the validation that NCO already sent that reflects that [redacted]. [redacted] owes $482.30 for unpaid fees. NCO is also forwarding you billing statements that the University sent before the account was placed for collection.
Please note that per the Universitys guidelines, NCO does not have the authority to settle his account. Nonetheless, in response to [redacted]. [redacted]s complaint, the client has agreed to waive the $144.06 in collection costs as a courtesy. NCO has updated the account to reflect that [redacted] is now only responsible for paying the $482.30 principal balance.
NCO has updated the account to prevent NCO from initiating communication with [redacted] *. [redacted] and has also transferred the account to a managers queue. Please advise [redacted]. [redacted] that he may contact [redacted] directly at ###-###-#### to discuss repayment options.
Federal and state law prohibit certain methods of debt collection, and require that we treat you fairly. If you have a complaint about the way we are collecting your debt, please visit our website at www.ncogroup.com or contact the FTC online at www.ftc.gov; by phone at 1-877-FTC-HELP; or by mail at 600 Pennsylvania Ave., NW, Washington, DC 20580. If you want information about your rights when you are contacted by a debt collector, please contact the FTC online at www.ftc.gov.Should I not hear from you within 30 days, I will assume you have all information necessary to complete your investigation and close this matter.Very truly yours,

May 6, 2015Dear [redacted],This is in response to your complaint concerning allegations of harassment from NCO. Based on my investigation, I can confirm that your account was assigned by Bell to NCO on February 25, 2015 for non payment. Several unsuccessful attempts were made to contact you. The...

first confirmed contact occurred on April 8, 2015, according to documentation on the account, you notified our agent that you were aware of the debt and would be seeking to resolve it via the courts. NCO is attempting to collect this debt in goodwill on behalf of our client, we are not aware of the reasons for your dispute nor have I seen any evidence of harassment from the agent.If you feel that you do not owe the outstanding amount of $180.68, please outline the reasons for your dispute and we will review with our client to resolve any discrepancies.Please do not hesitate to contact me should you wish to discuss further.Sincerely,Marcelle L

July 16, 2014Dear. [redacted]:I acknowledge receipt of the July 11, 2014 complaint for the above referenced matter. Please be advised that NCO has closed the referenced account in our office. It is NCO's intent not to have any further communication with [redacted] in reference...

to the above account.Federal and state law prohibit certain methods of debt collection, and require that we treat you fairly. If you have a complaint about the way we are collecting your debt, please visit our website at www.ncogroup.com or contact the FTC online at www.ftc.gov; by phone at 1-877-FTC-HELP; or by mail at 600 Pennsylvania Ave., NW, Washington, DC 20580. If you want information about your rights when you are contacted by a debt collector, please contact the FTC online at www.ftc.gov.
Should I not hear from you within 30 days, I will assume you have all information necessary to complete your investigation and close this matter. Thanking you for your cooperation, I remain, ,Very truly yours,Cathy B
Consumer Affairs Team Lead

May 1, 2014
Dear **. Vaghari:
I acknowledge receipt of the April 11, 2014 letter regarding the referenced account for [redacted]. Please be advised that NCO has removed [redacted]'s telephone number(s) from its system. NCO will place no further calls to [redacted]...

[redacted] relating to the above referenced accounts. Please note, the accounts remain open in NCO's system. **. [redacted]'s accounts have been transferred to a special collection unit. **. [redacted] may contact NCO representative [redacted] at ###-###-#### regarding payment arrangements.Please be advised that the account balances may be periodically increased due to the addition of accrued interest or other charges as provided in the agreement with the original creditor or as otherwise provided by state law.While we have complied with federal law, factors beyond our control may prohibit us from confirming or denying the presence of inaccurate information within the time frame prescribed by state law. We may not have sufficient time to complete an investigation of the alleged inaccuracy.We have taken the information the consumer has provided to us very seriously and appreciate your efforts in bringing her concerns to our attention. Let us state at the outset that it is not the policy or the practice of this company to engage in unfair, deceptive or misleading practices. Nor are such occurrences tolerated. Our employees are trained and are also regularly monitored for compliance purposes: Please assure the consumer that her comments have been thoroughly reviewed and have not been taken lightly. Should it be found that a collector violated NCO’s policies and procedures relating to the handling of this account, the collector will be disciplined and retrained regarding NCO’s policies and procedures.Federal and state law prohibit certain methods of debt collection, and require that we treat you fairly. If you have a complaint about the way we are collecting your debt, please visit our website at www.ncogroup.com or contact the FTC online at www.ftc.gov; by phone at 1-877-FTC-HELP; or by mail at 600 Pennsylvania Ave., NW, Washington, DC 20580. If you want information about your rights when you are contacted by a debt collector, please contact the FTC.Very truly yours,

March 5,2014
Dear **. [redacted]:
I acknowledge receipt of the February 21, 2014 complaint for the above matter. Please be advised that NCO closed the account [redacted]-(*)-[redacted] as paid in our office. I understand that the consumer requested that...

NCO cease calling them regarding the above accounts that have been placed with NCO for collection. Please be advised that NCO has removed consumer's telephone number from its system. NCO will place no further calls to the consumer to the above referenced accounts.
Since the account validation materials relate to medical issues, NCO will not forward these documents to you, so that there is no potential violation of federal or state privacy laws. These materials have been forwarded to the consumer. With the supplied information being forwarded to the consumer, I consider this matter concluded.
Please note that the account remains open in NCO’s system. The consumer’s accounts have been transferred to a special collection unit. Please advise to contact Patti Booker, toll-free at ###-###-#### relating to the accounts.
In the event that your office should forward this letter to the consumer: This is an attempt to collect a debt. Any information obtained will be used for that purpose. This is a communication from a debt collector. Calls to or from NCO Financial Systems, Inc. may be monitored or recorded for quality assurance. Strictly Confidential-Proprietary Company Information - Not Subject to Disclosure.
Federal and state law prohibit certain methods of debt collection, and require that we treat you fairly. If you have a complaint about the way we are collecting your debt, please visit our website at www.ncogroup.com or contact the FTC online at www.flc.gov; by phone at 1-877-FTC-HELP; or by mail at 600 Pennsylvania Ave., NW, Washington, DC 20580. If you want information about your rights when you are contacted by a debt collector, please contact the FTC online at www.ftc.gov.
Should I not hear from you within 30 days, I will assume you have all information necessary to complete your investigation and close this matter. Than[redacted] you for your cooperation, I remain,
Very truly yours,

June 24, 2014
Dear [redacted]:I acknowledge receipt of your June 16, 2014 follow-up complaint for the above referenced account. Please be advised that the referenced account remains closed in our office. It is NCO's intent not to have any further communication with [redacted] in reference to the above account.    :Further inquiries regarding the above account may be directed to [redacted] Community College at ###-###-#### or at [redacted].Federal and state law prohibits certain methods of debt collection, and requires that we treat you fairly. If you have a complaint about the way we are collecting your debt, please visit our website at www.ncogroup.com or contact the FTC online at www.ftc.gov; by phone at 1-877-FTC-HELP; or by mail at 600 Pennsylvania Ave., NW, Washington, DC 20580. If you want information about your rights when you are contacted by a debt collector, please contact the FTC online at www.ftc.gov.Should I not hear from you within 30 days, I will assume you have all information necessary to complete your investigation and close this matter. Thanking you for your cooperation, I remain,NCOVery truly yours,

May 1, 2014
Dear *** ***:I acknowledge receipt of the April 30, 2014 complaint for the above referenced consumer. Please be advised that NCO has closed the referenced accounts in our office. It is NCOs intent not to have any further. communication with *** *** in reference to...

the above referenced accounts. . . . .Federal and state law prohibit certain methods of debt collection, and require that we treat you fairly. If you have a complaint about the way we are collecting your debt, please visit our website at www.ncogroup.com or contact the FTC online at www.ftc.gov; by phone at 1-877-FTC-HELP; or by mail at 600 Pennsylvania Ave., NW, Washington, DC 20580. If you want information about your rights when you are contacted by a debt collector, please contact the FTC online at www.ftc.gov.Should I not hear from you within 30 days, I will assume you have all information necessary to complete your investigation and close this matter. Thanking you for your cooperation, I remain,
Very truly yours,?

June 5, 2014Dear [redacted]:I acknowledge receipt of May 28, 2014 complaint for the above referenced account. Please be advised, NCO has placed the referenced account in a restrictive status to prevent further collection activity in our office. It is NCOs intent not to have any further...

communication with [redacted] in reference to the above account. Please be advised that the account balance may be periodically increased due to the addition of accrued interest. or other charges as provided in the agreement with the original creditor or as otherwise provided by state law. Federal and state law prohibit certain methods of debt collection, and require that we treat you fairly. If you have a complaint about the way we are collecting your debt, please visit our website at www.ncogroup.com or contact the FTC online at www.ftc.gov; by phone at 1-877-FTC-HELP, or by mail at 600 Pennsylvania Ave.,NW, Washington, DC 20580. If you want information about your rights when you are contacted by a debt collector, please contact the FTC online at www.ftc.gov. - -Should I not hear from you within 30 days, I will assume you have all information necessary to complete your investigation and close this matter.Very truly yours,