EGS Financial Care, Inc

[To assist us in bringing this matter to a close, you must give us a reason why you are rejecting the responseIf no reason is received your complaint will be closed Administratively Resolved]
Complaint: ***
I am rejecting this response because:The account is paid in full and the communication is in error There should be a zero balance I verified my payment amount against the EOB
Regards,
*** *** ***

May 28, 2014Dear *** ***:
I acknowledge receipt of May 14, complaint for the above matterPlease be advised that NCO has closed the referenced accounts in our office as paidPlease note that we have contacted the credit bureaus that we do business with, with our
request to delete our listing of the abovereferenced accounts from *** *** credit profile for the social security number we have listed in our recordsNCO Financial Systems, Inccannot affect a change to how any other company may have listed the above accounts on *** *** credit profileIt is NCOs intent not to have any further communication with *** *** in reference to the above accountsFederal and state law prohibit certain methods of debt collection, and require that we treat you fairlyIf 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.ficgov; by phone at 1-877-FTC-HELP; or by mail at Pennsylvania Ave.,Washington, DC 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 days, I will assume you have all information necessary to complete your investigation and close this matterThanking you for your cooperation, I remain,Very truly yours,

October 7, 2014Dear *** ***:
I acknowledge receipt of the October 1, complaint for the above reference accountPlease be advised that NCO has closed the referenced account in our officePlease 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 *** *** ***'s credit profile for the social security number we have listed in our recordsNCO Financial Systems, Inccannot affect a change to how any other company may have listed the above account on *** *** ***'s credit profileIn addition, please be advised that it can take 30-to completed the deletion from the consumer’s CBRIt is NCO's intent not to have any further communication with *** *** *** in reference to the above account.For further inquiry please advise *** *** *** to contact *** *** *** *** at *** *** *** ***, ***, ** *** relating to the above accountFederal and state law prohibit certain methods of debt collection, and require that we treat you fairlyIf 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 Pennsylvania Ave., NW, Washington, DC 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 days, I will assume you have all information necessary to complete your investigation and close this matterThanking you for your cooperation, I remain,
Very Truly
Yours,
Cathy B
Consumer Affairs Team Lead

October 28, 2014Dear *** ***:
I acknowledge receipt of the October 15, complaint for the referenced consumerNCO 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
complaintIn 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.Federal and state law prohibit certain methods of debt collection, and require that we treat you fairlyIf 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 Pennsylvania Ave., NW, Washington, DC If you want information about your rights when you are contacted by a debt collector, please contact the FTC online at www.ftc.gov.Until such information is received, as noted, we cannot proceed with the research regarding this complaintPlease forward the requested information to the attention of the undersigned at: NCO Financial Systems, Inc.; P.OBox 15035, Wilmington, DE Very truly yours,
Cathy B
Consumer Affairs Team Lead

November 30, 2017Dear *** ***:I acknowledge receipt of the November 30, follow up complaint for the referenced consumerPlease be advised that the above-referenced account is closed in our officeFurther inquiry regarding the underlying debt may be directed to *** Bank/***, P.OBox ***, Orlando, FL ***.It is EGS's intent not to have any further communication with James MRamsay in reference to the above accountPlease be aware that on occasion even when accounts are returned to EGS's clients that they may be replaced at a later date with EGS.Federal and state law prohibit certain methods of debt collection, and require that we treat you fairlyIf you have a complaint about the way we are collecting your debt, please visit our website at www.egsfinancialcare.com or contact the FTC online at www.ftc.gov; by phone at 1-877-FTC-HELP; or by mail at Pennsylvania Ave., NW, Washington, DC 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,Sharon *WManager, Operations & Compliance Support

I acknowledge receipt of your May 18, complaint for the above matterEnclosed is the validation requested by *** ***These materials have also been forwarded to *** ***.Please be advised that accounts placed with NCO Financial Systems, Inc(NCO) for collection were
transferred to Transworld Systems, Inc(TSI) effective October 31, TSI is responding to this complaint.On March 5, 2015, Transworld Systems sent an initial notice to the consumer at the address provided by the client, which is the same address provided by *** *** in this complaint.Further inquiries regarding the account may be directed to, Renee H***, TSI manager at ###-###-####.It is Transworld's intent not to have any further communication with *** *** in reference to the above account. 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-referenced accounts from *** ***' credit profile for the social security number we have listed in our recordsPlease be advised that Transworld Systems cannot affect a change to how any other company may have listed the above accounts on *** ***' credit profile.Federal and state law prohibits certain methods of debt collection, and requires that we treat you fairlyIf you have a complaint about the way we are collecting your debt, please visit our website at www.transworldpayments.com or contact the FTC online at www.stc.gov; by phone at 1-877-FTC-HELP; or by mail at *** *** *** *** *** ** ***If you want information about your rights when you are contacted by a debt collector, please contact the FTC online at www.fitc.gov.With the supplied information, I consider this matter concludedPlease call me with any questions

I accept the response from EGS Financial with the understanding that they do not send this account to the credit bureausThis will be handled between myself and ** ***I appreciate the cease on collection as well, and would like the account removed
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and find that this resolution is satisfactory to me.
Regards,
*** ***

February 10, 2016Dear *** ***: I acknowledge receipt of the February 8, complaint for the referenced consumerEGS 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 Ashley Owen receive any additional telephone calls from EGS Financial Care, Inc., please have her request our reference number and provide that information to me at the phone number listed above. EGS has no record of *** ***'s telephone number in our databases; however, as a precaution upon receipt of her complaint, her telephone number was added to our do not call list. In addition, please provide the telephone numbers that *** *** is receiving calls from. Federal and state law prohibit certain methods of debt collection, and require that we treat you fairlyIf you have a complaint about the way we are collecting your debt, please visit our website at www.egscorp.com or contact the FTC online at www.fic.gov; by phone at 1-877-FTC-HELP; or by mail at Pennsylvania Ave., NW, Washington, DC 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,Sharon W.Consumer Affairs Production Manager

May 2, Dear *** ***:I acknowledge receipt of the April 22, letter regarding the referenced accounts for *** ***I understand that *** has requested that NCO cease calling her regarding the above referenced accounts that have been placed with NCO for
collectionPlease be advised that NCO has removed ***s telephone number from its systemNCO will place no further calls to *** relating to the above referenced accounts- :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.Please note, the accounts remain open in NCOs system*** ***s accounts have been.transferred to a special collection unitPlease advise *** *** to contact *** ***, tollfree at *** relating to the accounts.Federal and state law prohibit certain methods of debt collection, and require that we treat you fairlyIf 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 Pennsylvania Ave., NW, Washington, DC If you want information about your rights when you are contacted by a debt collector, please contact the FTC online at www.ftc.gov

I acknowledge receipt of the September 6, complaint for the referenced consumerI understand that *** *** has requested that EGS cease calling him regarding the above referenced account that has been placed with EGS for collectionPlease be advised that the above-referenced account
has been placed in a status to prevent further collection activity by EGSFurther inquiry regarding the underlying debt may be directed to ** *** Retail Bank, Attention: Consumer Affairs, P.OBox ***, Shawnee Mission, KS 66201According to our files, we have not reported the above-referenced account to a credit bureauPlease be advised that we cannot effect a change to how any other company or entity may have listed the account on Mr***'s credit profile.Federal and state law prohibit certain methods of debt collection, and require that we treat you fairlyIf you have a complaint about the way we are collecting your debt, please visit our website at www.egscorp.com or contact the FTC online at www.ftc.gov; by phone at 1-877-FTC-HELP, or by mail at *** *** ***., NW, Washington, DC If you want information about your rights when you are contacted by a debt collector, please contact the FTC online at www.ftc.govTruly yours,AW*** Manager, Operations & Compliance Support

February 27, 2017Dear *** ***:I acknowledge receipt of the February 20, complaint for the referenced consumerPlease be advised that the above-referenced account is closed in our office.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.egscorp.com or contact the FTC online at www.ftc.gov; by phone at 1-877-FTC-HELP, or by mail at Pennsylvania Ave., NW, Washington, DC 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,Sharon W. Manager, Operations & Compliance Support

Complaint: ***
I am rejecting this response because:
Reference complaint #***The non response from *** *** at NCO is unacceptableShe 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 debtThis is not a resolution by any meansUnfortunately, 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/complaintAs information, several additional requests to the entity contracting NCO (*** ***) telephonically as well as by email have also not produced any explanation of the invoice in question
Desired Settlement / Outcome
Desired Settlement:*** ***
*** *** ***
Desired Outcome:*** *** ***
Explanation of charges/collection attempt
Regards,
*** ***

October 3, Dear *** ***:I acknowledge receipt of your September 23, letter for the above consumerPlease be advised that NCO was collecting on an account that *** *** *** placed with NCO on June 27, with a $balance dueOn July 1, 2014, the client
notified NCO that *** *** submitted a payment to the client to pay the total balance dueAt that time, NCO updated the account to reflect that it was paid in full and ceased collection activityNCO did not attempt to collect on the account after that timePlease 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 profileNCO has no control over the manner in which any other entity may have credit reported this accountThis account is closed as paid in full with a zero balance dueNCO 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 fairlyIf 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 Pennsylvania Ave., NW, Washington, DC If you want information about your rights when you are contacted by a debt collector, please contact the FTC online at www.ftc.govShould I not hear from you within days, I will assume you have all information necessary to complete your investigation and close this matterThanking you for your cooperation, I remain,
Very Truly
Yours,
Cathy B
Consumer Affairs Team Lead

September 17, 2014Dear *** ***:
I acknowledge receipt of the September 17, follcomplaint for the above referenced consumerPlease be advised, NCO has placed the referenced account in a restrictive status to prevent further collection activity in our officeIt is NCO's intent not to have any further communication with *** *** in reference to the above accountFurther inquiry regarding the underlying debt may be directed to ** *** *** Bank at: Attention: Consumers, P.OBox *** *** ***, KS ***.Federal and state law prohibit certain methods of debt collection, and require that we treat you fairlyIf 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 Pennsylvania Ave., NW, Washington, DC If you want information about your rights when you are contacted by a debt collector, please contact the FTC online at www.ftc.gov.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.Should I not hear from you within days, I will assume you have all information necessary to complete your investigation and close this matterThank you for your cooperation, I remain,Very truly yours,
Cathy BConsumer Affairs Team Lead

Dear *** ***:I acknowledge receipt of June 4, complaint for the above reference accountsI understand that *** *** has requested that NCO cease calling him regarding the above referenced accounts that have been placed with NCO for collectionPlease be advised that NCO
has removed *** *** telephone number from its systemNCO will place no further calls to *** *** relating to the above referenced accountsFor further inquiry please contact *** *** directly at ###-###-#### relating to the above accounts.In addition, please note, NCO provides collection services to financial institutions, healthcare providers, retail and commercial clients, educational organizations, telecommunications companies, utility companies and government entitiesAs a debt collection agency, NCO is not subject to the regulations, including the National Do Not Call Registry, governing telemarketers.We have taken the information the consumer has provided to us very seriously and appreciate your efforts in bringing his concerns to our attentionLet us state at the outset that it is not the policy or the practice of this company to engage in unfair, deceptive or misleading practicesNor are such occurrences toleratedOur employees are trained and are also regularly monitored for compliance purposesPlease assure the consumer that his comments have been thoroughly reviewed and have not been taken lightlyShould 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.Please be advised that the account balance may be periodically increased due to the addition of accrued interestor 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 fairlyIf 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 Pennsylvania Ave., NW, Washington, DC If you want information about your rights when you are contacted by a debt collector, please contact the FTC online at www.ftc.govShould I not hear from you within days, I will assume you have all information necessary to complete your investigation and close this matterThanking you for your cooperation, I remain,Very truly yours,

October 13, Dear *** ***:I acknowledge receipt of the September 15, complaint for the above matterPlease be advised that NCO has closed the referenced account in our officeIt is NCO's intent not to have any further communication with *** *** in reference to the
above accountFurther inquiry please contact *** *** Hospital at P.OBox *** *** CA *** relating to the above account.Federal and state law prohibit certain methods of debt collection, and require that we treat you fairlyIf 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 Pennsylvania Ave., NW, Washington, DC 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 days, I will assume you have all information necessary to complete your investigation and close this matterThanking you for your cooperation, I remain,
Cathy B
Consumer Affairs Team Lead

August 26, Dear *** ***:I acknowledge receipt of August 7, complaint for the above matterSince 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
lawsThese materials have been forwarded to the consumer.I understand that *** *** has requested that NCO cease calling him regarding the above referenced account that has been placed with NCO for collectionNCO will place no further calls to *** *** relating to the above referenced accountPlease note, the account remains open in NCO's system*** ***' account has been transferred to a special collection unitPlease advise *** *** to contact Diane C***, toll-free at *** relating to the account.
With the supplied information being forwarded to the consumer, I consider this matter concludedFederal and state law prohibit certain methods of debt collection, and require that we treat you fairlyIf 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 Pennsylvania Ave., NW, Washington, DC If you want information about your rights when you are contacted by a debt collector, please contact the FTC online at www.ftc.govShould I not hear from you within days, I will assume you have all information necessary to complete your investigation and close this matterThanking you for your cooperation, I remain,
Very truly yours,

November 26, Dear *** ***:
I acknowledge receipt of the November 13, complaint for the referenced consumerTransworld 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 complaintIn 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; any other specific information relating to the consumer so that a full search can be completed; and the phone number that TSI may be calling.Federal and state law prohibit certain methods of debt collection, and require that we treat you fairlyIf you have a complaint about the way we are collecting your debt, please visit our website at www.transworldpayments.com or contact the FTC online at www.ftc.gov; by phone at 1-877-FTCHELP; or by mail at Pennsylvania Ave., NW, Washington, DC If you want information about your rights when you are contacted by a debt collector, please contact the FTC online at www.ftc.gov.Until such information is received, as noted, we cannot proceed with the research regarding this complaintPlease forward the requested information to the attention of the undersigned at: Transworld Systems, P.OBox 15035, Wilmington, DE Very Truly
Yours,
Cathy
B
Consumer
Affairs Team Lead

February 19, 2015Dear *** ***:
I acknowledge receipt of the February 13, complaint for the referenced consumerPlease be advised, NCO has placed the referenced account in a restrictive status to prevent further collection activity in our office, NCO has not reported
this matter on *** ***'s credit profilePlease be advised that we cannot effect a change to how any other company or entity may have listed the account on *** ***’s credit profileIt is NCO's intent not to have any further communication with *** *** in reference to the above account.In addition, this account was not purchased by NCO, According to our account notes, *** ***/*** *** placed the above-referenced account with NCO for collections on April 13, Further inquiry regarding the underlying debt may be directed to *** ***/*** ***.Should I not hear from you within 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,
Isabelle D
Compliance & Privacy Officer

May 1, 2014Dear *** ***:I acknowledge receipt of the April 24, complaint for the above matterPlease be advised that NCO has closed the referenced account in our officePlease note that we have contacted the credit bureaus that we do business with, with our request to delete our
listing of the abovereferenced account from *** ***.credit profile for the social security number we have listed in our recordsNCO Financial Systems, Inccannot affect a change to how any other company may have listed the above account on *** *** credit profileIt is NCOs intent not to have any further communication with *** *** in reference to the above accounts- -For further inquiry, please contact ** *** ** *** *** *** *** *** * *** ** ***.Federal and state law prohibit certain methods of debt collection, and require that we treat you fairlyIf 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 Pennsylvania Ave., NW, Washington, DC 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 days, I will assume you have all information necessary to complete your investigation and close this matterThanking you for your cooperation, I remain,