EGS Financial Care, Inc

Review: I have received multiple bills from [redacted] for an emergency visit at [redacted] Hospital for a date of service on 8/20/2013 in the amount of $504.

When I went into the hospital for an emergency visit I waited for a very long time and eventually a nurse asked me if I wanted to see Dr. [redacted] (name found on the bill I have) and all she said was that he was visiting the hospital.

I had already presented my health insurance information at the desk and I was expecting this visit to be covered under my health insurance. (I will be taking measures to also complain about the hospital through the Consumer Protection Agency).

No one at the emergency room explained to me before the doctor saw me that I was going to be forced to pay this cost out of pocket. I would have waited for another physician!! It was an emergency but it wasn't a $500 emergency when I could have waited 30 more minutes!!

This is unethical to bill patients directly when there is *NO* communication whatsoever with the patient explaining to them whether a doctor they are seeing is being covered under their insurance or not. This is not the insurance company's issue this is something that the doctor and the hospital should work together to provide patients who are alert enough to communicate. In this case, I was alert enough to decline an offer to see a visiting doctor.

My wife also had the same situation happen to her last year about 6 months prior from [redacted] from [redacted] and we did not know each other then. This is clearly an issue that needs to be resolved. Again, I will be contacting the hospital/Consumer Protection Agency regarding this matter but in the meantime, I should not be liable to pay this bill because *the hospital has still not sent me a Patient Bill of Rights that I supposedly signed and whatever was on there was not CLEAR ENOUGH to a person coming to the ER that they will be paying out of pocket**. There needs to be more transparency in the cost of health care in the emergency room.Desired Settlement: Cancel my debt collection account and remove the negative credit reportings to all three credit bureaus.

Business

Response:

July 9,2014Dear [redacted]:I acknowledge receipt of the June 30, 2014 complaint for the above referenced account. Please be advised that NCO has closed the referenced account 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]’s credit profile for the social security number we have listed in our records. NCO Financial Systems, Inc. cannot-affect a change to how any other company may have listed the above account on [redacted]'s credit profile. It is NCO's intent not to have any further communication with [redacted] in reference to the above account.For further inquiry please contact [redacted] relating 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,

Consumer

Response:

[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.]

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,

Review: I want to file a complaint for harrassment and non-professional behavior.

NCO Financial has been contacting me as well as my mother on behalf of [redacted] who claims they are collecting for a student loan which was borrowed through [redacted]. We have been making payments to [redacted] and NCO Financial have been informed of this. Several of the collectors have been very rude, arrogant, obnoxious and disrespectful. One even made the comment to my mother that she was going to pay the bill in full and that the amount was 30,000.00. Then he continued to call everytime she hung up on him back to back yelling at her and screaming at her telling her that [redacted] wanted her to pay her bill. I had a conversation with a female collector who insisted I was going to pay 9,000.00 total and that if I didn't pay it they would take legal action against me. I have recently gotten over being deathly ill. I had a left kidney to rupture which prevented me from working for 5 1/2 months. I have been diagnosed with chronic kidney failure. My mother just had rotator cuff surgery and is unable to use her right arm. She has been in a lot of pain and none of the collectors were considerate when it came to her medical condition. I contacted [redacted] and removed my mother's telephone number from my account. [redacted] contacts me via email as well as via phone. NCO and [redacted] are not supposed to have access to my mother's telephone number and they have been asked not to contact her regarding the loan due to her illness and plus she is taking care of my grandmother who lives with her who is 86 years old with end stage alzheimers. Little things upset her especially if the phone continues to ring back to back like it has been. Once my grandmother is aggravated it takes a while to calm her down. I did research online as well as with an attorney and I learned [redacted] has been doing this to a lot of people.I also learned they have pending lawsuits against them for harrassment and unlawful collection practices. I did request a signed copy of the contract between them and [redacted] showing me [redacted] asked them to take over collecting on my student loans. Unfortunately I was told that those couldn't be provided and that the supervisor wanted to speak with me. [redacted] is not aware of them collecting on my student loans. They gave us a toll free number to contact the Revdex.com to file a complaint and told me to continue sending my payments to them via online or via mail. I am still getting bills from [redacted]. Last year a couple of payments were made to NCO in regards to the student loans but [redacted] never received them. These payments were sent in by my dad who sent a check for the payments.Desired Settlement: I am requesting that NCO/[redacted] never contact me again regarding my student loans through [redacted]. I am sending payments to [redacted] and I don't feel comfortable sending payments to them because they can provide me with a copy of the contract between them and [redacted]. I personally feel as if this is a scam and that with the pending lawsuits against [redacted] they are very untrustworthy and can not be trusted with receiving payments from me.

Business

Response:

May 21, 2014Dear [redacted]:I acknowledge receipt of the May 5, 2014 complaint for the above matter. I understand that [redacted] has requested that NCO cease calling her regarding accounts [redacted] and [redacted], that have been placed with NCO for collection. Please be advised that NCO has removed [redacted]s telephone number from its system. NCO will place no further calls to [redacted] relating to the above referenced accounts 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 NCOs policies and procedures relating to the handling of this account, the collector will be disciplined and retrained regarding NCOs 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.Calls to or from NCO Financial Systems, Inc. may be monitored or recorded for quality assurance. 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,

Consumer

Response:

[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.]

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]

Review: I have contacted this company several times to tell them this is not my debt and they continue to keep calling me. They refused to put the account in dispute status because they said that I must pay the debt no matter what. The agents are VERY rude!!! I asked not be called with the automated dialer... I have continued getting calls. This account has been disputed before and your company is still pursuing collection activities. There has been SEVERAL violations of the fair debt laws and you continue to keep calling and sending me letters... THE DEBT IS NOT MINEDesired Settlement: I WANT THE COLLECTION ACTION TO CEASE!!! I WANT THIS REMOVED FROM MY REPORTS AND I DO NOT WANT TO CONTINUE DEALING WITH THIS DEBT MEANING I DO NOT WANT IT SOLD TO ANOTHER COLLECTION AGENCY TO PUSH ME OFF

Business

Response:

November 15, 2013

Dear **. [redacted]:

I acknowledge receipt of the November 12, 2013 complaint regarding to the above referenced consumer. Please be advised that NCO has closed the referenced account in our office. Please note that NCO has not reported this matter on [redacted]'s credit profile. NCO Financial Systems, Inc. cannot affect a change to how any other company may have listed the above account on [redacted]'s credit profile. It is NCO's intent not to have any further communication with [redacted] in reference to the above account.

We have taken the information the consumer has provided to us very seriously and appreciate your efforts in bringing his 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 his 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-FTOHELP; 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,

Consumer

Response:

[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.]

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,

Review: I had an invoice from [redacted] for the payment of an EMT (911) call to be paid on Aug 8, 2013. I was attempting to pay the bill on-line when I was having computer difficulty I called the phone number for help and somehow was connected to this operator who said she could save me the trouble by taking the payment over the phone. She had never identified herself so I asked if she could take the payment for [redacted] and she said YES, of course. We then proceeded to give my [redacted] credit card information, the amount of the bill and she then gave me a confirmation number for the transaction. This all occurred on Aug 5, 2013. At that point I thought my bill was paid. When I saw my credit card statement it stated that the bill was paid to [redacted], [redacted], PA. A month later after I had paid my credit card bill, I received another invoice from [redacted] saying that my account was late. I called them on the phone and talked to [redacted] who informed me that they had never received my payment and that they do not take credit cards, that they only take checks. I then called [redacted] card and they forwarded my call to [redacted] who backs the credit card for disputed charges. They couldn't tell me who they paid my charge to or give me a phone number for the merchant. They finally decided to treat the situation as a lost or stolen card and froze that account and reissued me a different account. In October they issued me a credit on my account and on Oct 31 I wrote a check to [redacted] to pay the bill in full. At this point I thought everything was settled. On Nov 20 [redacted] reinstated the charge against my account, I talked to [redacted] and I finally found out who took my money falsely claiming to be a representative of [redacted]. It was NCO Financial Syste**, Inc. with an address of [redacted], PA., I called this company and talked to [redacted]. She had me send her a copy of the reinstatment of the charge to my account. This company does not have any connection to [redacted] and falsely led me to believe they could take my payment. And now they have kept my money and have not refunded it to [redacted] to clear the charge. They have not provided any service or product for the money in question. I also believe this should be a matter of fraud and misrepresentation to a customer.Desired Settlement: Provide [redacted] ([redacted] card) with documentation to refund the $225 charge to my account by December 20, 2013 and send me a copy of this documentation for reference.

Business

Response:

December 10, 2013

Dear **. [redacted]:

I acknowledge receipt of the December 9, 2013 complaint for the referenced consumer 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.

In order for us to move forward, we need specific identifying information including, but'not limited to: the consumer’s full name and social security number; the name of the original creditor; the creditor’s account number or reference number; the billing address of the account; and, any other specific information relating to the consumer so that a full search can be completed. ;

Until such information is received, as noted, we cannot proceed with the research regarding this complaint. Please forward the requested information to the attention of the undersigned at: NCO Financial:Systems, Inc., P.O. Box 15035, Wilmington, DE 19850. . . : . ,

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,

Consumer

Response:

[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]

Review: [redacted]

I am rejecting this response because:

Review: NCO has been reporting unpaid medical bills on my credit report. I have called the company multiple times regarding this issue and have faxed receipts showing payment four times. They did eventually remove one bill, but two bills are now showing on my credit report. All of the bills are for the exact same charges. I have again faxed receipts showing payment for the two new bills. However, they once again are not removing this information in a timely manner. I have been trying to work with NCO on this issue for months with no real resolution.Desired Settlement: These bills are removed from my credit report and the account is no longer shown as outstanding

Business

Response:

Please see the attached response letter for [redacted], Ref No: [redacted]

thank you

September 4, 2013

Revdex.com of Metro Washington DC & Eastern Pennsylvania

1880 John F. Kennedy Blvd., Suite 1330 Philadelphia, PA 19103

NCO Financial Systems, Inc.

Consumer Affairs Dept/[redacted] Toll Free: ###-###-#### Writer’s Direct Line: ###-###-####

Re: NCO Financial Systems, Inc. Your Reference No.: Complainant:

Our Reference No(s).

Creditors) [redacted] Account No. [redacted] Account No. [redacted] Account No. [redacted] Account No. [redacted] Account No. [redacted] Account No.

: [redacted]

Balanced

$513.34

¦[redacted]

¦[redacted]

¦[redacted]

¦[redacted]

¦[redacted]

¦[redacted]

$31.68 $ 158.42 $ 170.62

Dear **. [redacted]:

I acknowledge receipt of the August 13, 2013 complaint for the above referenced consumer. Please be advised that we have contacted the creditor with a request for validation of 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.

Further inquiry regarding the above account [redacted], [redacted], [redacted] and [redacted] may be directed to [redacted] at ###-###-####.

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. Colorado office address and telephone number: [redacted],###-###-####.

Please note that the account is [redacted] closed in our office. In addition, please be advised that the account [redacted] closed in our office as paid. It is NCO’s intent not to have any further communication with [redacted] in reference to the above accounts [redacted] and [redacted].

Please be advised that NCO has not reported accounts [redacted], [redacted], and [redacted] on the consumer’s credit profile.

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 [redacted], [redacted], and

[redacted] from the consumer’s credit profile. Since the consumer’s 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.

Furthermore, 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.

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.

With the supplied information being forwarded to the consumer, I consider this matter concluded. Please call me with any questions.

Very truly yours,

Review: I had an old [redacted] credit card that went to judgement in [redacted] county, NC. That debt was settled with NCO Financial services in April 2013 for the amount of $1650.

I am contacting the Revdex.com because the debt has been cancelled, but no correspondence has been sent from NCO to [redacted] county and the case is still showing as Open.

I have contacted NCO customer service on multiple occasions and they have not been helpful.

I am needing a Notorized debt cancellation letter sent to myself (for records) and to [redacted] county, NC judgements department to close out the judgement status.

REF # [redacted]

Any help would be appreciated, thanks!Desired Settlement: Notorized debt cancellation letter sent to myself and [redacted] county, NC judgements dept.

Business

Response:

October 1, 2014Dear [redacted]:I acknowledge receipt of the September 25, 2014 complaint for the above referenced consumer NCO has closed the referenced account in our office as settled.According to our records, on March 20, 2013 NCO contacted the above listed creditor and advised that the account was settled. Due to receipt of the complaint NCO has again contacted [redacted] Card Services to advise them the account was settled. NCO has been advised by the creditor that the process of releasing the judgment has been initiated. Per [redacted] Card Services the Satisfaction of Judgment will be executed to [redacted] by mid October.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.fic.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.stc.gov.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 agency is licensed by the North Carolina Department of Insurance; License #[redacted].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 BConsumer Affairs - Team Lead

Review: I entered in to a Rehabilitation Program for past due student loans in April of 2012 NCO. NCO began drafting my account for $111.00 monthly. In March of 2013, those debits ceased. NCO never sent any documentation showing proof of debt, advising how much had been paid down on the debt nor further information about how to continue payments since they had stopped drafting them. On June 19, 2013 I was advised by my payroll department that NCO would be garnishing 15% of my disposable income. I never received written notice (as required by law within 15-30 days before the first garnishment) from NCO that this action would occur. Since that time, I have been in contact with NCO to have the Order of Wage Garnishment rescinded. I spoke to [redacted], NCO representative, on June 20, 2013 and she advised that due to the fact that my loans were taken out under the last name [redacted] and my name has since changed to [redacted] that there was an issue with the first rehabilitation and that I would have to start the process all over again. Furthermore, they would not amend the charges for the 3 month period that no payment was made even though it was no fault of my own. She also could not provide me with a copy of the proof of debt. She advised me that if I would agree to go through the loan rehabilitation program again and pay $115.00 by 06/28/13 (and every month thereafter until 06/16/14), NCO would send a fax to halt the garnishment proceedings to my payroll department. She was to email me a copy of the paperwork to my personal email to be sent back to them via fax this morning. I checked my email and had no paperwork from NCO. I promptly called [redacted] back this morning and requested that she send it to my work email instead explaining that my payroll would be sent in tomorrow for the 06/28/13 pay period and that I needed to have this issue resolved. She agreed to send it to my work email. A couple of hours later, I had not received it. I called back and spoke to Oliver Lee, loan rehabilitation specialist, and he advised that he would send it and personally make sure once I faxed the documents back that they were promptly sent to my payroll department. I faxed them back 10 minutes after receiving them around 9:50 AM. I called NCO at 1:20 PM and spoke to [redacted] who verified the documents were received. She advised my payroll department would receive the order to stop the wage garnishment within the next hour. I checked in with them at 3:00 PM and they had not received the documentation. I called NCO and spoke to another representative who advised she would personally fax them again. She advised they had been sent at 4:13 PM and were being sent again at approximately 4:40 PM. My payroll department had not received them by the end of the business day today. I received many assurances from [redacted] over the past two days, that as long as I authorized the payment of $115.00 monthly and turned in my paperwork before the 28th of this month, that the garnishment would halt. I have already gone through the rehabilitation program once and have not received any documentation to show that I have made payments to NCO. The new paperwork shows they have the right to charge an additional 18.5% on my loan for going through the rehabilitation program. They have done that once already since I completed it successfully earlier this year. It seems like that would be illegal. The fact that they haven't provided me with proof of the debt, the schedule of what I have paid, or written notice of intent to garnish my wages, IS against the law.Desired Settlement: I want NCO to provide proof of the debt and to be required to adjust the debt for the missed payments that THEY failed to collect or give instruction as how to remit AND for them to be restricted from adding another 18.5% to the balance of the loan since they have already done that once. The fact that I'm required to go through loan rehabilitation again is NCO's fault for not getting the payments submitted under the correct name.

Business

Response:

Please see the response letter for [redacted], Ref No: [redacted]

thank you

Review: I was contacted by NCO on 08/01/2012 concerning student loan debt with the [redacted] Department of Education. At that time I agreed to a "rehabilitation" program. The agreement was that I would agree to 12 months of automatic withdrawal payments, and after 9 months of payments I would be listed as "successful" and reports would be sent to ** Dept of Ed and the credit bureaus listing me as current instead of default.

After 9 months of payments I contacted them regarding the update. I was told it can take a month or two for them to send the update. I continued checking monthly with the same response.

After 14 months of payments they contacted me asking me to sign a new agreement letter because the original agreement only authorized them to make the auto deductions for 12 months. Many phone calls have been made back and forth since but status has never been changed.

It has now been six months since the last payment to them. Today I was told that because payments ceased they can not update status and want me to sign up all over again. They gave the reason as not having the updated agreement, but it never should have been that long.

I am willing to pay, and would continue to pay if they had upheld their end of the agreement.

In summary: They were supposed to change my status after nine months of payments, but even after 14 months of payments (on time) I was still in default.Desired Settlement: I would like my status changed to current as agreed and I will continue with payments.

Business

Response:

May 22, 2014Dear [redacted]:I acknowledge receipt of the May 1, 2014 complaint for the above referenced consumer. Please be advised, NCO and [redacted] had entered into a rehabilitation agreement on August 1, 2012; at that time NCO notified [redacted] of the necessary paperwork he needed to supply in order to complete his rehabilitation agreement. According to the parameters of the rehabilitation agreement, [redacted] needed, to make monthly payments until the completion of rehabilitation agreement. Please note, since entering into the rehabilitation agreement, NCO has notified [redacted] numerous times to supply the required paperwork in order to complete the rehabilitation agreement. According to NCO records, NCO has not received the necessary paperwork. Please note that [redacted]s last payment was on September 18, 2013; therefore terminating his rehabilitation agreement. Please advise [redacted] to contact [redacted] at ###-###-#### in order to setup a new rehabilitation agreement.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. Thanking you for your cooperation, I remain,

Review: Subsequent to receiving services at [redacted] NY office I received an invoice/statement # [redacted] in the amount $91.14 with no explanation of what the charge was for. My initial inquiries (two phone calls) to the phone number on the invoice were ignored.There was no response to the messages I left. I subsequently went in person to the facility where I received the services that [redacted] indicates I was being charged for and they could not explain the charge. The [redacted] NY facility advised that the account had been transfered to a seperate administrative area (closed accounts) and I was referred to that number. Telephone calls to that number, to [redacted] (**) on 3/11 and 3/12/14 have not been returned. Despite the failure of [redacted] to offer a simple explanation for the invoice for $91.14 they referred the matter to a local law firm as a collection issue. Clearly, [redacted] should have simply picked up the phone or send me an email addressing the issue.Desired Settlement: Simple explanation (to me) of the invoice for $91.14 sent by [redacted]. The fact that [redacted] referred this to a law firm as a collectionn issue after repeatedly failing to respond to inquiries is also disturbing and should be noted.

Business

Response:

April 22, 2014Dear [redacted]I acknowledge receipt of your April 1, 2014 letter for the abovereferenced consumer. Please be advised thatNCO has closed the above account in our office. It is NCOs 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] 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., NW, Washington, DC 20580. If you want information about your rights when you are contacted by a debtcollector, please contact the FTC online at www.fic.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, .Consumer Affairs Team Lead

Consumer

Response:

Review: [redacted]

I am rejecting this response because:

Reference complaint #[redacted]. The non response from [redacted] at NCO is unacceptable. She refuses to address my simple request for an explanation of an invoice that NCO is attempting to collect on yet she states that NCO is still attempting to collect the debt. This is not a resolution by any means. Unfortunately, the Revdex.com email had no provision to address this representing that there was nothing I could do in response to NCO's non response to my initial inquiry/complaint. As information, several additional requests to the entity contracting NCO ([redacted]) telephonically as well as by email have also not produced any explanation of the invoice in question.

Desired Settlement / Outcome

Desired Settlement:[redacted]

Desired Outcome:[redacted]

Explanation of charges/collection attempt

Regards,

Business

Response:

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,

Review: Paid off a bill that was placed with NCO Fin. Systems . I talk to a [redacted] on Feb. 21,2013 asking could they delete it from the Credit Report he stated that they could not do it. All they do is mark it paid in full. He also said [redacted] could do it. We called [redacted] at [redacted] and they said they could not do it that NCO Fin. was supposed to do it. In return we called NCO Financial back and spoke with [redacted] and he said they are not suppose to remove it.Desired Settlement: off of my Credit Report so I can refinance my home

Business

Response:

Please see the attached response letter for [redacted]; Ref No" [redacted]

thank you

Review: We continue to get recorded "debt collection agency" phone calls from this organization in spite of

1) there is no one here with any relationship to their attempted collections

2) they have been so informed and stated that the calls would end - more than three months agoDesired Settlement: Stop these harassing phone calls.

Consumer

Response:

I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me.

---------- Forwarded message ----------

From: [redacted]

Date: Mon, Jun 30, 2014 at 4:28 PM

Subject: Re: Complaint

To: [redacted]

NCO Financial's response is now accepted.

Thank you for your assistance in this matter.

dmc

Operations Support Engineer

[redacted]

[redacted]

Business

Response:

June 30, 2014Dear [redacted]:I acknowledge receipt of the June 18, 2014 complaint for the referenced consumer. Please be, advised that the telephone number ([redacted]) [redacted] has been removed from the above-referenced account. It is NCO’s intent not to have any further communication with [redacted] in reference to the above account, since [redacted] is not the responsible, consumer.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,

Review: Friday, January 24, 2014

Compliance Department

NCO Financial Systems, Inc. [redacted], PA [redacted] Re.: Account XXXXXX

This letter is a demand for payment in the amount of $216.04.

I believe I am owed this amount since your customer [redacted] was paid $216.04 on January 29, 2012. [redacted] may

or may not have communicated that they were paid, nevertheless

you wrongly attacked my credit until I paid you for a second time in

the amount of $216.04 on November 15, 2013.

I am including copies both cancelled checks for your review.

You are hereby informed that you have ten (10) days from the date

of this letter to pay the demanded amount. In the event this matter

is not resolved to my satisfaction, then it is my intent to secure the

services of an attorney and file an action in court where I will also

request that you pay attorneys' costs and fees, credit repair costs

and fees as well as the costs associated with having the matter heard

by the court. Please guide yourself accordingly.

Sincerely,Desired Settlement: Payment in the amount of $216.04.

Business

Response:

February 18, 2014

Dear **. [redacted]:

I acknowledge receipt of the February 6, 2014 complaint for the referenced consumer. Please be advised that the above-referenced account is on hold pending closure in our office. It is NCO's intent not to have any further communication with [redacted] in reference to the above account.

In addition, we have contacted the credit bureaus that we do business with, with our request to delete our listing of the above-referenced account 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.

Please be advised that NCO has issued a refund in the amount of $216.04 on February 7, 2014.

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.flc.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,

Review: This company is a collection agency. They have been harassing me by phoning and leaving harassing messages on my phone for over a year now. I thought they would give up at some point. When I called to check on the nature of their inquiry, they were acting on behalf of a company concerning some dispute with a person who is not at my phone number. They have been calling from ###-###-####Desired Settlement: I would like this company to cease and desist calling my home phone and leaving messages.

Business

Response:

October 24, 2013

Dear **. [redacted]:

I acknowledge receipt of the October 21, 2013 complaint for the referenced consumer. Please be advised that the telephone number ###-###-#### has been removed from the above-referenced account. It is NCO’s intent not to have any further communication with [redacted] in reference to the above account, since [redacted] is not the responsible consumer.

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,

Consumer

Response:

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,

Review: Received a call showing out of area [redacted] 1:20pm July 25 and a message left in voice mail for “[redacted] installation.” This time was different though in that I was able to find a reference to NCO Financial Systems under the [redacted] number. I then searched for their Revdex.com location and found it under the Washington Revdex.com.Have found that when calling debt collectors that they use a distortion of phone line, phone, and voice to make talking difficult and aggravating. It’s like you have to reask and repeat yourself 3-4 times just to get a clear response or for them to acknowledge you asked a question. I called [redacted]she asked for name and number and I gave it and did ask if she had caller ID and said “I’m that person at that number.” I asked “why are you calling me?” She said she had no reference to my name or to my number [redacted]. I said I’m receiving calls you must have it associated with someone, because I’m receiving calls! She again said it showed no reference to name or number. I asked a third time with same response. I then asked about does this check all databases and all offices and she said “yes” again, I was like I’m getting calls from you she responded that she would pass me on to their compliance center. Phone switch worked started taking to another woman I asked “why you calling my number” and she also states “that my name and number shows no reference.” Again, “I’m receiving calls it must be that my number is associated with an account,” repeated it and repeated it, she did finally say “yes it was associated with accounts plural.” Then I asked “who was I associated with” she stated she couldn’t say because I’m a “third party.” I said I’m receiving calls as a third party and requested again why my number was being called and why I can’t find out the information, she was rock solid on how she couldn’t give out the info to a “third party.” I asked location of center and she said the “[redacted]“. Then we talked about stopping calls and she did state that they could put a stop/ block on my number and it would take 24 hours. She did seem puzzled by my comment of how she didn’t have a Tagalog accent and then I said salamat and hung up! I then called [redacted]talked to a man and asked about “why am was being called” and received the same response of how they had no reference to my name, number. Again me saying am receiving calls it must be associated with some number and him saying they had no reference and I repeated it 3 times. Finally he did say that they couldn’t release info to “third parties,” with me saying but you can “call third parties?” There was no changing his mind. Also I received a call soon after my call from [redacted]1 at 3:21pm with a credit card offer that I think was their way of saying (thank you). After talking to three people around 3:00 pm July 25, 2013, I’m horrified by their outrageous disregard for professional and ethical business practices. [redacted] and [redacted] numbers are associated with accounts and the numbers receiving all the harassing non disclosure calls. Their business culture and rules of standardization for personnel are predatory, preying on the elderly, vulnerable, and uninformed. There is no disclosure of anything to include their deceptive harassing phone calls disguised as mortgage, credit card, [redacted], and whatever else they can peddle. Then to the deception of they have no reference to phone number or release info to 3rd parties. As a 3rd party it shouldn’t have taken me over 2 years to figure out their acts of deception of who was calling and as a 3rd party I should have never received calls that lead to debt collectors. I also question how so many companies can carry this validation of debt and how so many different companies can use similar but equally deceptive business practices. Must be you have to resort to harassing family members when you can’t produce a validation of debt. They’re in complete disregard to FDCPA, State of Florida laws, professional and ethical business practices, and human decency. In fact, close to two years ago I remember calling NCO in reference to disclosed calls to my elderly vulnerable parents home [redacted] and was told they have no reference to calling that number. I was also getting disclosure calls at [redacted] but when I called them they also said they have no reference to my number. I was being taught debt collector tactics. The disclosure calls stopped but the harassing non disclosure calls continued. These disclosed calls started out with “[redacted].” Then changed to receiving calls with no caller ID info but demands of “pay your bills” “Tell [redacted] to call or pay her bills” and when asked who’s calling and from what business would get a response of maybe a persons first name but no business info, a hang up, a comment of “must have the wrong number” with hang up but not a disclosure of business calling. Calls to me later changed to “[redacted]” again with no caller ID and same response of no company info told and hang ups. Later changing to calls for “[redacted]” and all are family members. I’ve filed complaints through the Revdex.com on Allied Interstate case #[redacted] and [redacted] case #[redacted] and case #[redacted].I have received calls for [redacted] after my complaint on [redacted] disclosed as [redacted] out of [redacted] CT. These also changed from disclosure calls to non disclosure calls.Desired Settlement: I want NCO Financial under any alliance, network, collection internal/external company, to stop under all Federal and State of Florida laws the activities described above to phone numbers [redacted] and [redacted].

Business

Response:

Please see the attached response letter for [redacted], Ref No: [redacted]

thank you

Consumer

Response:

[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.]

Thank you for reveiwing and searching databases. One small note, for [redacted] county Fl, there's a listing that shows [redacted] that leads to [redacted], [redacted] and NCO Financial. This address does not show up as part of NCO group under the Revdex.com listing.

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,

Review: This company started calling me months ago about a debt I requested they send me a verification of the debt from the start they never responded. I keep getting phone calls the start as early as 7 a.m. and have called as late as 10 p.m. They threatened to take me to court four months ago and I asked that they please do and they have not yet. I am tired of my phone ringing everyday and several times.Desired Settlement: I wish they would stop contacting me and also pay me for the harassment via phone, for the threat of court action that they never intended to pursue and failure to provide verification.

Business

Response:

November 26, 2013

Dear [redacted]:

I acknowledge receipt of the November 25, 2013 complaint for the above referenced consumer. Please be advised that the telephone number ###-###-#### has been removed from the above-referenced account. It is NCO’s intent not to have any further communication with [redacted] in reference to the above account, since [redacted] is not the responsible consumer.

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,

Review: NCO Financial Syste**, Inc. has continued to contact my personal number for 7 years for debtors who do not reside in my residence each time claiming they are interested in another debtor after I inform them that to my knowledge these individuals have never had my home phone number.Desired Settlement: Have this company stop having electronic calls to my residence stating that they are "NCO Financial attempting to collect a debt" followed immediately by only a phone number and a reference number.

Business

Response:

November 14, 2013

Dear **. [redacted]:

I acknowledge receipt of the November 11, 2013 complaint for the referenced consumer. Please be advised that the telephone number ###-###-#### has been removed from the above-referenced account. It is NCO’s intent not to have any further communication with [redacted] in reference to the above account, since [redacted] is not the responsible consumer.

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,

Review: I have been getting phone calls at my home in Virginia from NCO financial for [redacted] who had lived there with our son for a while. Approximately a year and half ago they move out and I have informed them to remove our home number ###-###-#### on many occasions. Today I called again and was told that this was the number they had and that basically I was lying about it not being the correct number. I have served as a Army Civilian for 37 years and my husband is a retired Army officer and we don't agree with not paying your bills but we can't make anyone pay them, but I am tired of getting 5-8 calls a week over and over again. I have even given them the only cell phone number I had for [redacted] and that has not stopped the calls. I need help in understanding how I can get them to stop calling our number. I was gone on a trip for three weeks and they filled up my answering maching with messages so I missed two important calls.Desired Settlement: To have them stop calling my home number ###-###-####.

Business

Response:

October 27, 2014Dear [redacted]:I acknowledge receipt of the October 17, 2014 complaint for the above matter. Please be advised that the telephone numbers ([redacted]) [redacted] and ([redacted]) [redacted] have been removed from the above-referenced account. It is NCO’s intent not to have any further communication with [redacted] in reference to the above account, since [redacted] is not the responsible consumer.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

BConsumer

Affairs Team Lead

Review: On January 28, 2014,I underwent lab work at [redacted]. The first and only bill I received was dated 5-28-14, $538.46, payment due 6-27-14.

I phoned [redacted] on 6-27-14 and paid $538.46 using my [redacted] and [redacted] Wellness cards.

On 7-3-14 I received a notice from N.C.O. Financial Systems, Inc. dated Sunday, 6-29-14 stating, "Your account has been placed with this collection agency for collection by the creditor named above," ([redacted]- balance $538.46). I am outraged and furious that this bill I paid in full on the due date was sent to N.C.O. for collection. This paid bill could have negatively affected my credit rating. I was not billed for January lab work until May! N.C.O. sent me the letter DATED TWO DAYS AFTER I PAID THE BILL IN FULL ON THE DUE DATE.

N.C.O.'s reply to my C.F.P.B. complaint is unsatisfactory. N.C.O. claims it "was collecting on an account that [redacted] placed with N.C.O. on 6-27-14 with $538.46 due." That is the date I PAID THE BILL IN FULL! N.C.O. should have never sent me the collection letter in the first place.Desired Settlement: Satisfactory resolution includes a written admission of error and an apology from N.C.O. I want to know why the letter was dated two days AFTER I paid the bill in full! I also want to know how this error occurred and how N.C.O. plans to prevent it in the future.

Business

Response:

October 3, 2014Dear [redacted]:I acknowledge receipt of your September 23, 2014 letter for the above consumer. Please be advised that NCO was collecting on an account that [redacted] placed with NCO on June 27, 2014 with a $538.46 balance due. On July 1, 2014, the client notified NCO that [redacted] submitted a payment to the client to pay the total balance due. At that time, NCO updated the account to reflect that it was paid in full and ceased collection activity. NCO did not attempt to collect on the account after that time. Please note that NCO has no control over the manner in which the creditor or any other agency handled this account before it was placed with NCO.NCO did not submit a request to the credit bureaus to list this account on your credit profile. NCO has no control over the manner in which any other entity may have credit reported this account. This account is closed as paid in full with a zero balance due. NCO will not perform any further collection activity regarding this account. 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,Cathy BConsumer Affairs Team Lead

Review: Below is a letter that I have drafted to NCO to explain my experience with them. Thank you for your assistance.

This letter is to state my experience with your company. I am completely disgusted in how you handle your business.

I have defaulted student loans that were discharged to NCO Financial Systems, supposedly by [redacted]. Being that I have numerous private student loans, I was very wary of speaking directly with NCO rather than [redacted] as I was receiving calls directly from [redacted] as well. Thinking that you were both calling about the same loan, I began doing some research as I was very confused as to what loans were being referenced.

The first representative that contacted me was a female, and I do not have record of her name, but I’m sure that you could look that up on your end. She was completely rude and was giving me unrealistic ultimatums. The second person that received my file was Damion at extension 83010, he was better to work with however, as time went on I explained that I would like to make payment arrangements but with a limited income and numerous student loans, my payments would not be very high. I have to be realistic as to what I can afford on the monthly basis to avoid falling into default again.

Being that the payment arrangement was not accepted on NCO’s part, I am now receiving calls from Travis W. (last name inaudible) he even attempted to call my office on July 11 at 8:54a which is a direct violation being that they called before 9am, also you can NOT contact me at work. He then called again on July 14 at 3:06pm, that was the first number he tried, not my cell phone. I will be reporting this act to the Revdex.com as you have violated the Fair Debt Collections Act. I have stated to the original representative that called me back in the winter that my workplace is to not be contacted. I can get into trouble receiving personal phone calls on our business lines and our lines are monitored which means that I have NO privacy!

Other than the unrealistic expectations in the way of settlement and unreasonable monthly payments, I am very upset that I can get NOTHING in writing from your company.

With such a case, I do not feel comfortable doing business without visibly seeing which loans you are in possession of and the amounts. I would also like a list of my options. IF there is an agreement, I want that in writing as well. Every legitimate business will send monthly bill statements with a balance and will send a written agreement – why won’t NCO? I need validation of these debts before I make any arrangements.

I demand to hear from a supervisor and also a written statement of your records of my loans in your possession. Please be advised that I will also be sending this letter to the Revdex.com and my State Attorney General as well.Desired Settlement: I wish for my loan to go back to the originating lender being that I can not work a reasonable deal with NCO Financial systems and they are repeatedly violating the Fair Debt Collections Act. I would also expect NCO to be penalized accordingly. Thank you.

Business

Response:

August 4, 2014Dear [redacted]I acknowledge receipt of your July 14 2014 letter for the above consumer. Please be advised this complaint relates to a pending litigation matter that is being handled by NCO's outside counsel. As such, a full response will not be provided relating to this matter.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 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.fic.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 BConsumer Affairs Team Lead

Review: UNFAIR AND UNETHICAL DEBT COLLECTIONS

THIS COMPANY PROVIDED MY INFORMATION TO A RUTHLESS DEBT COLLECTOR CALLED NCO FINANCIAL FOR A HOSPITAL VISIT 1/2012. THIS COMPANY CONTACTED MY FORMER EMPLOYER AT [redacted], IN AN ATTEMPT TO COLLECT DEBT. THEIR PHONE CALLS CAUSED ME TO LOSE MY JOB. NCO FINANCIAL CLAIMED TO BE THE ATTORNEY THAT THIS HOSPITAL WAS USING TO COLLECT DEBT. THEY THREATENED ME, THEY THREATENED TO GARNISH PROTECTED FUNDS, INCLUDING MY FEDERAL STUDENT AID. THE COMPANY ALSO CLAIMED TO BE WORKING FOR THE ATTORNEY GENERAL. THEY PULLED MY CONSUMER REPORT WITHOUT MY EXPRESSED CONSENT. THIS COMPANY CALLED ME AFTER NINE PM, AND OTHER INCONVENIENT TIMES. I HAVE COPIES OF THE LETTERS WITH MY PREVIOUS EMPLOYER'S ADDRESS ON THERE.Desired Settlement: I DON'T AGREE WITH THIS DEBT. FIRST OF ALL, THE HOSPITAL HAS MY INSURANCE INFORMATION ON FILE. THEY COULD'VE JUST EASILY BILLED THE INSURANCE. SECOND OF ALL, NCO FINANCIAL DEMANDED TWICE THE AMOUNT THAT THIS HOSPITAL CLAIMS IS OWED TO THEM? WHERE DID THE EXTRA FEES COME FROM? KEEP IN MIND THAT I HAVE COPIES OF ALL OF THE STATEMENTS THAT THEY MAILED TO MY EMPLOYER. I WOULD LIKE TO MAKE THIS COMPANY AWARE THAT I DON'T AGREE WITH THE DEBT THAT THEY ARE TRYING TO COLLECT. I WOULD LIKE

Business

Response:

Please see the attached response letter from [redacted], Ref No: [redacted]

thank you