EGS Financial Care, Inc

Review: THIS COLLECTION AGENCY IS REPORTING AN INCORRECT ACCOUNT/DEBT TO THE 3 MAJOR CREDIT BUREAUS. I HAVE COMPLIED WITH THEIR REQUEST TO FAX MY PERSONAL INFORMATION TO VALIDATE MY IDENTITY AND TO CLARIFY AND REMOVE THIS COLLECTION FROM MY CREDIT REPORT AS I AM TRYING TO PURCHASE A HOME AND CANNOT CLOSE ESCROW DUE TO THIS ISSUE. I KEEP CALLING AND FOLLOWING UP, WITH DIFFERENT RESPONSES EVERY TIME ( I.E WE ARE WROKING ON IT, WE WILL FAX YOU SOMETHING, ETC) THEY KEEP TRANSFERING ME AND THIS IS UNACCEPTABLE TO NOT RESPOND OR REPAIR THIS MISATEK AS IS AFFECTING ME AND MY FAMILY. I AM ASKING FROM A LETTER FROM THEM WHERE THEY CAN VERIFY THAT THIS DEBT IS NOT MINE AND DOES NOT BELONG IN MY CREDIT REPORT. AND TO FORWARD THE SAME TO THE 3 MAJOR CREDIT BUREAUS TO CLEAR MY CREDIT REPORT. I NEED SOMETHING IN WRIRTING AS THEIR WORK OR WORING ON IT EXPRASSION IS NOT ENOUGH AND UNACCEPTABLE.Desired Settlement: I AM ASKING FOR A LETTER, I NEED SOMEHTING I WRITING SAYING IT IS NOT DEBT AND WILL BE CLEARED OR REMOVED FROM MY NAME/SSN.

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: I DO HAVE THIS COLLECTION AGENCY REPORTING THIS DEBT IN MY CREDIT REPORT AS COLLECTIONS. I UNDERSTAND THAT IT MAY EVEN BE A MISTAKE ON THEIR END BECAUSE MY NAME IS SO COMMON.

NOW I DO HAVE COPIES OF ALL MY PERSONAL INFORMATION AND IDENTIY, INCLUDING POLICE REPORT WHICH I FAXED ON LAST MONTH MAY 16TH ,2013 TO BE EXACT. THIS FAX # THEY PROVIDED WHICH WAS 866-269-8669. I CAN PROVIDE COPIES AGAIN. SO THEY CAN MOVE FORWARD AND FURTHER INVESTIGATE AND DO THEIR JOB PROPERTLY.

IN THE ATTACHEMNTS YOU WILL FIND ALL THE DOCUMENTS I FAXED AND TRANSMITAL , I BELIEVE THIS SHOULD BE SUFFICIENT TO VERIFY AND PROVE MY IDENTITY.

IT SEEMS LIKE THEY AVE A BETTER RESPONSIVENESS TO YOU . I REALLY APPRECIATTE ALL YOUR TIME AND HELP IN REGARDS OF THIS IMPORTANT MATTER TO ME.

Regards,

Business

Response:

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

thank you

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:

I HAVE RECEIVED & REVIEWED THE LETTER NCO PROVIDED AND I WILL FORWARD THAT TO THE 3 MAJOR CREDIT BUREAUS MYSELF. BUT IT DOES NOT SHOW THEIR COLLECTIONS NUMBER (WHICH IS # [redacted]) ONLY THE ORIGINAL CREDITOR ([redacted]) AND MY CURRENT ADDRESS, SO THEY CREDIT BUREAUS CAN REFFER TO IT. I NEED THEM TO INCLUDE THAT AS WELL.

AND UNFORTUNATELLY THEIR RESPONSE WAS NO AS FAST, IN ORDER TO CLOSE ESCROW ON MY HOME I HAD TO PAY FOR THIS COLLECTION DEBT ON ESCROW $129 DOLLARS TO NCO. I AM ALSO REQUESTING NOW A REFUND ON THIS AMOUNT AS SOON AS THEY RECEIVE IT. I HAVE THE PROPER DOCUMENTATION TO PROVE IT. SEE ATTACHMENT.

Regards,

Review: THIS COMPANY CALLED TO VERIFY EMPLOYMENT FOR MY SON WHO IS 7 YEARS OLD. WHEN I TOLD THEM HE WAS 7 AND I WANTED INFORMATION AS TO WHO ASKED THEM TO VERIFY EMPLOYMENT AND WHY THEY TOLD ME THEY COULD NOT TELL ME WITH OUT ME GIVING HIS DATE OF BIRTH AND SSN. I TOLD THEM I WOULD NOT GIVE IT TO THEM AND WOULD LIKE A NUMBER TO CONTACT THEM AT, PERSON STATED HE COULD NOT GIVE ME A CALL BACK NUMBER, ASKED FOR THE PERSON'S NAME HE STATED HE COULD NOT GIVE ME HIS NAME. HELD FOR A SUPERVISOR WHO GAVE ME HIS NAME AND A CALL BACK NUMBER BUT NO OTHER INFORMATION AS TO HOW THEY RECEIVED MY SONS NAME OR WHY OTHER THAN BY A WEB SEARCH.I INFORMED THEM I WAS WORRIED ABOUT IDENTITY THEFT THEY STILL WOULD NOT GIVE ME INFORMATION.Desired Settlement: I WOULD LIKE TO KNOW WHO/HOW AND WHY THIS COMPANY CONTACTED ME LOOKING FOR EMPLOYMENT VERIFICATION ON MY 7 YEAR OLD.

Business

Response:

June 26, 2014Dear [redacted]:I acknowledge receipt of your June 24, 2014 letter for the above consumer. 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.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.Consumer Affairs Team LeadCalls to or from NCO Financial Systems, Inc. may be monitored or recorded for quality assurance. Strictly Confidential- Proprietary Company Information - Not Subject to Disclosure.Very truly yours,

Review: I recieved a bill today in the mail for $161.31 I am disabled and should have payed only $7.00 for lifeline services. I called and was hung up on their customer service was rude to me, and it is not fair that I pay for services that are basiclly not legit as I should have been placed on lifeline.Desired Settlement: Take me out of collections and please kindly wave the $161.31 fee becuase I should have been placed on lifeline I submitted the forms numerous times.

Business

Response:

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

thank you

Review: I have been sent to collections by [redacted] to NCO. Please have this debt removed. It has already been paid, it was reported to collections in september and was paid the month before. I have statements to back up the claim.Desired Settlement: Please remove from credit bureaus.

Business

Response:

September 20, 2013

Dear **. [redacted]:

I acknowledge receipt of your September 11, 2013 complaint for the referenced consumer. 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.

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 account from [redacted]’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 [redacted]’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.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.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,

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 contacted NCO to gain access through their website. I was told to use the number on the form letter. I did this and even with the assistance of [redacted], I was unable to gain access. Her only response is that my computer was not working correctly or that I was not entering the information correctly. We ran through this at least twice to no avail. She would not provide any other assistance or forward me to someone who might be able to tell me why the access codes are not correct.

The only message she wanted to convey was they wanted to collect the money that I supposedly owe.Desired Settlement: A statement stating why I cannot access their website and a statement showing how to gain access.

Business

Response:

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

thank you

August 19, 2013

Revdex.com of Metro Washington DC and Eastern Pennsylvania

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

Re: NCO Financial Systems, Inc.

Your Reference No.: [redacted]

Complainant:

I acknowledge receipt of the August 13, 2013 complaint for the above-referenced consumer. Please be advised that upon clearance of funds, the above accounts shall be 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.

For website issue.1;, please contact [redacted] at ###-###-####.

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,

[redacted] Consumer Affairs Team Lead

Review: NCO calling over and over again. Stoped and send me a bill for which I made. I do not owe them.Desired Settlement: Stop the phone calls we have 3 sick people in home. And have them send me a bill.

Business

Response:

August 26, 2014Dear [redacted]:I acknowledge receipt of August 7, 2014 complaint for the above matter. 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.I understand that [redacted] has requested that NCO cease calling him regarding the above referenced account that has been placed with NCO for collection. NCO will place no further calls to [redacted] relating to the above referenced account. Please note, the account remains open in NCO's system. [redacted]' account has been transferred to a special collection unit. Please advise [redacted] to contact Diane C[redacted], toll-free at [redacted] relating to the account. With the supplied information being forwarded to the consumer, I consider this matter concluded.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:

Review: [redacted]

I am rejecting this response because:

Please see attached.

Regards,

Business

Response:

September 3, 2014To whom it may concern;[redacted] was eligible for Medicaid 10/1/2009 with a spend down. This spend down was met for 10/2009 and his Medicaid card was released for that month.It is the responsibility of the medical provider to bill Medicaid within 365 days of the date of service. If the bill was not billed during that time then it is not the clients or Medicaid's responsibility to pay the bill. Bills must be billed within the timely filing limits for Medicaid.Sincerely,[redacted]Eligibility Referral Specialist

Review: I'm not sure if I can send this type of complaint here since it is a loan servicer but I want my case to be heard because something needs to be done. My loan was signed through [redacted] for [redacted] who sold it to [redacted]. I was what they say 120 days of rolling delinquency on my account and they sent me to default in a law office. Per the terms and conditions of my promissory note I don't believe rolling delinquency is on the note. It states 120 days without payment and most private loans are 180 now. There's no rehabilitation program and everyone I try to call for proof of payments and or explanation of why I'm in default or why I can't get out, cannot provide a legal answer or any answer for that matter and send me to call the next person in the chain of this sloppy loan servicing. NCO has complaints filed against them with the consumer financial protection bureau one of which I have placed but no one wants to help me get this servicer to follow their terms and conditions as stated. Their practices are unprofessional. Many students in America face the deadly grasp of private student loans because of the lack of education before taking one or strict guidelines and allowances of Pell grants and federal aid. We want to further our education and have to turn to private loans just to be swallowed whole and given no chance of redemption or hope. Federal aid is limited but they aren't even as unforgiving as these loans. I am writing and will continue to write whoever I can everyday until I find justice. This loan company is unforgiving and damaging to our future and economy. If you aren't willing to provide a rehabilitation program as federal loans do for default to get students on the right track then you must provide justified reasoning as to why one is in default and why it can't be fixed. Neither of these answers I have gotten a response for and it's frustrating and altogether bad business. When I request my promissory note be sent so I may pursue further action send me all of my paperwork because what you've sent only proves my case that I don't belong in default and you have proof or reasoning as to why I should be there.Desired Settlement: I want my loans out of default. I want proof with every payment I missed in this rolling delinquency added up and shown that I succeeded the 120 days of payment. I also want proof that if that's the case that in the promissory note that it states once an account is delinquent that it can go into default at any time or that it is a rolling 120 days and not 120 without any payment in a row. I don't belong in default and if I do I want my justified proof. I want the part of the note that states this so called default and that once in default that you can't get out. It doesn't say either of those on the note. And if it doesn't state no rehabilitation then I want out. Because I know it doesn't state that. You have proof of default or rehabilitation and I want something done. Stop sending me what you think Looks like answers to me when it's everything I've sent you with no answer just reworded. And if you broke the terms of my loan which I think you did because you paid whatever loan you wanted and didn't break them up into the correct payments like you were supposed to and I called and t still didn't change then you wipe out my loans and we are done.

Business

Response:

July 9, 2014Dear [redacted]:I acknowledge receipt of your June 26, 2014 letter for the above consumer.NCO is servicing a total of 4 private defaulted student loan accounts on behalf of the [redacted]. Please note that none of these private loans are secured by the Federal Government and therefore, the loans are not eligible for rehabilitation. All of the accounts have been forwarded to [redacted] to perform collection activity.Per the terms and conditions of the agreements with the creditor, in the event that these loans are deemed to be in default, the creditor may demand that the borrower pay the balance in full. In addition, collecting on the defaulted balance may include obtaining a judgment by filing a lawsuit and/or initiating wage garnishment.Please note that any collection agency or law firm that may attempt to collect on the loans must follow the client’s repayment guidelines regarding settlements and payment plans. Please be advised that in response to a prior dispute, NCO just sent the consumer the promissory notes and payment histories that NCO received fromthe client, on June 16, 2014.All interest and fees are being applied to the accounts in accordance with the terms and conditions of the promissory notes or as otherwise provided by applicable laws.NCO’s records reflect that [redacted] has been submitting payments directly to [redacted] regarding all of her accounts since April 2012. [redacted] will continue to apply her payments to the total balance due on these accounts. [redacted] has advised NCO that all of [redacted]’s accounts have been transferred to one representative to handle. NCO requests that [redacted] contact a representative with [redacted] directly at ###-###-#### regarding her accounts.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

Consumer

Response:

This is the same response I got from [redacted]. It's not an answer. All you are stating to me is what I already know. You have no reason to put me in default. All it says in the promissory note that I have received (which all they will send me is the note disclosure and creditworthy statement until I finally asked for all documents which I haven't received) says nothing about the actual terms of default. Just states if you deem me to be at default, which doesn't state at any time you choose, that you have to meet conditions of nonpayment to reach that. Nor does it say I can't get out of default. All you say is no. There is no valid reason why it's no and no one I've talked to can tell me why. This is a ridiculous circle of people who have no idea why I'm in default and can't explain it. There is no reason I should be in there. If you have no proof or terms on the promissory note then its done. I shouldn't be in there. Nothing about this contract or promissory note states default. It says you may face a penalty or late charge. I'm tired of getting the run around and I want something done. They are the most complained about private organization for student loans and yet they still get what they want. You are ruining my credit by putting me in a bankrupt category when loans can't be forgiven. I'm making payments and it's just nonsense that you'd do this to someone.

Review: noticed today that a company called nco financial is on my credit report ,I feel it s fraud due to never receiving bill for $515.00 or any knowledge of this company . it did say something about medical but I have insurance for all medical including ambulance service which I have provided if that is what they are after,if it is even mine which I doubt , I owe no money I have cleaned up my credit so this must be fraud . they need to prove it is mine which it can't be . there is no bill ? very strange right when I cleared all my credit a company I never heard of arrives on my report . can you please help remove this from my credit file I don't owe any money to this company .

Thank You

[redacted]Desired Settlement: not my bill / need that removed

Business

Response:

July 31, 2014Dear [redacted]:I acknowledge receipt of your July 21, 2014 letter for the above consumer. Please be advised that NCO has. closed the above-referenced account in our office. It is NCO's intent not to have any further communication with [redacted] 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 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.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 B[redacted] Consumer Affairs Team Lead

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: Got a letter from this company that I have never heard of demanding that I forward a payment for a debt that was settled on 05/13/2012.Have not heard from the company since the account was settled, then all of a sudden I get this letter from this collection agency that I have never heard of.Not going to happen.If I owe a debt to a company,that is who I send payment to,Never a collection agency.

Had a bad experience with a collection agency about (20) years ago,never again. NCO stated in their letter that if I failed to respond to their notification that they would assign the account to a collector with instruction to collect balance,sounds like a threat to me. Went to supposed creditor's web site to see if I had a balance and to pay if I did. No balance listed. Not sending NCO FINANCIAL a dime.Desired Settlement: Do not contact me again about this paid debt.

Business

Response:

October 16, 2013

Dear [redacted]:

I acknowledge receipt of September 25, 2013 complaint for the above referenced consumer. 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.

For further inquiry may be directed to [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.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. Thanking you for your cooperation, I remain,

Very truly yours,

Review: NCO recieved the proper insurance documentation to resolve my debt 2x now. The first time, they lost it. I have resent, and they refuse to call back.

Begininng in February I started recieving calls from NCO regarding my hospital bill debt. As I was working with [redacted] insurance to retroact my benefits, I told them I was still in the process of getting the insurance coverage right. When [redacted] approved the coverage for the month of my hospital stay in April, NCO had me fax them the Letter of Authorization. They told me it was in their system, and it would be handled. Mid August they called me again in an attempt to collect the debt claiming their system did not show I sent them anything. I explained the situation and they had me fax the paper over again and told me to follow up in 14 days. I have been trying to contact them and have left several messages but they refuse to call me back. I have the proper insurance forms to cover the outstanding hospital charges, and yet nothing is being done to resolve it aside from them losing my paperwork, claiming they never recieved it (but upon having them scour their system was told "oh yeah it looks like we did get something and just no one did anything with it") and now to have them not return my calls when I am attempting to do my due dilligence in resolving this.Desired Settlement: I would like the charge taken care of completely. I have done everything they asked and they keep dropping the ball.

Business

Response:

October 13, 2014Dear [redacted]:I acknowledge receipt of the September 15, 2014 complaint for the above 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. Further inquiry please contact [redacted] Hospital at P.O. Box [redacted] CA [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.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,Cathy BConsumer Affairs Team Lead

Review: I do not have any medical bills in my name. However this company has put me in collections on my credit report. They collect for [redacted] Medical services and they have incorrectly sent me to collections for several companies. They have ALL been reveresed and found as not being valid except for this one with no response. I have never lived in PA and I have never worked in PA. I work for an ambulance company and have relationships with many medical facilities and have absolutely no reason to cross my state line to get any medical services.Desired Settlement: I want it taken off my credit report as it is not my bill.

Business

Response:

September 26, 2014Dear [redacted]:I acknowledge receipt of the September 22, 2014 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.Please be advised, NCO has located two possible accounts. These accounts are currently closed. 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; copy of his most recent credit report displaying NCO’s listing; 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 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.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.Very Truly

Yours,Cathy BConsumer Affairs Team Lead

Review: Upon paying this collection account I was told that this would be removed from my credit report, therefore violating our original agreement.Desired Settlement: Requesting that this account is deleted from my credit report as I was told originally in 2013.

Business

Response:

September 24, 2014Dear [redacted]:I acknowledge receipt of your September 23, 2014 letter for the above consumer. Please be advised that NCO has closed the above-referenced account as paid in our office. It is NCO's intent not to have any further communication with [redacted] 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 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.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: I OWE MONEY TO [redacted] FOR MY CREDIT CARD AND I WANT TO PAY IT BUT I GET SS ONCE A MONTH AND CAN ONLY SEND $20.00 PER MONTH. I AM TRYING TO SELL MY HOME I HAD A BUYER BUT IT FELL THRU I HAVE EVERY INTENTION OF PAYING MY DEBT IN FULL AS SOON AS I CAN. NCO FINANCIAL KEEPS TELLING ME THAT THEY WILL TAKE THE $20. BUT I WILL STILL NOT BE FULFILLING MY PAYMENTS SO I ASKED IF THEY COULD ACCEPT THE $20. NOW AND THEN I WILL PAY THE AMOUNT OF $52. WHICH THEY SAID I WOULD NEED TO PAY IN ORDER TO KEEP MY ACCOUNT GOOD. BUT THEN THEY SAID IF I DO THAT THEN OCTOBERS PAYMENT WILL BE HIGHER THAN $52.00

IT SEEMS AS THOUGH WE ARE GOING AROUND IN CIRCLES.Desired Settlement: THE OUTCOME I WOULD LIKE IS FOR NCO TO ACCEPT MY $20.00/MONTH UNTIL I CAN PAY MORE (WHICH SHOULD BE SOON) WITHOUT ADDING CHARGES. I WANT TO PAY I JUST CANNOT DO IT RIGHT NOW I AM RAISING MY GRANDDAUGHTER AND GETTING SOCIAL SECURITY SHE IS TRYING TO GET A JOB SO SHE CAN HELP ME PAY MY BILLS

I HOPE YOU CAN HELP ME SETTLE THIS. THANK YOU, [redacted]

Business

Response:

September 16, 2014Dear [redacted]:I acknowledge receipt of the September 11, 2014 complaint for the above referenced consumer. Please be advised, NCO has placed the referenced account in a restrictive status to prevent further collection activity in our office. It is NCO's intent not to have any further communication with [redacted] in reference to the above account. Further inquiry regarding the underlying debt may be directed to [redacted] Bank at: Attention: Consumers, P.O. Box [redacted], KS [redacted].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.fic.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 30 days, I will assume you have all information necessary to complete your investigation and close this matter. Thank you for your cooperation, I remain,Very truly yours,Cathy BConsumer Affairs Team Lead

Consumer

Response:

Review: [redacted]

I am rejecting this response because:

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

From: Revdex.com of Metro Washington DC <[email protected]>

Date: Wed, Sep 17, 2014 at 9:36 AM

Subject: Fwd: You have a new message from the Revdex.com of Metro Washington DC & Eastern Pennsylvania in regards to your complaint #[redacted].

To: [redacted] <[redacted]>

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

From: [redacted]>

Date: Tue, Sep 16, 2014 at 3:30 PM

Subject: Re: You have a new message from the Revdex.com of Metro Washington DC & Eastern Pennsylvania in regards to your complaint #[redacted].

To: "[email protected]" <[email protected]>

I received you'd answer to my complaint but u don't understand what they are saying all I wanted was to be able to pay my credit card monthly with what I could afford. Can I so that? [redacted]

Sent from my iPhone

Review: This is a fraudulent company that continues to harass my family every single day about a bill that does not exist. N.C.O. Financial Corporation is paired up with [redacted] to find a past medical bill by someone that has already been paid off and claim that it has not been paid in full and then the companies claim to be a debt collector. They have been ruining peoples credit for years, including mine. As a victim of identity theft, this is the last thing I need on my credit report. Please put these companies out of business and help stop these harassing calls as I can never get a live human on the phone to stop them myself!Desired Settlement: Put N.C.O. Financial Corporation Out Of Business

Business

Response:

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 BConsumer Affairs Team Lead

Review: NCO Financial has reported to the credit bureaus debt that does not belong to me, despite numerous attempts to inform them that the debt is not mine.Desired Settlement: I am requesting that NCO Financial delete the account from the 3 major credit reporting bureaus (Experian, Transunion, Equifax), as well as provide in writing their agreement to not turn around and sell the account to another creditor as it is not valid.

Business

Response:

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

thank you

Review: I was making my payments of $202. I lost my username and password to do online payments and called the company. They proceeded to tell me my payments would be over $400 a month and would not accept anything less. I told them I could only afford $250.00 a month, but I was told they would not accept it. The representative continued to harass me stating I need to learn to pay my bills and continued to try and pry personal information out of me stating information I refuse to share can be used against me when they take legal action.Desired Settlement: I want to make payments I can afford to make. The economy is rough and I have other bills I have to pay. There should be no reason this company cannot accept a payment I am willing to pay that is actually more than what I was originally paying.

Business

Response:

July 30, 2014Dear [redacted]:I acknowledge receipt of your July 28, 2014 complaint from the above-referenced consumer regarding the above-referenced accounts. Please be advised NCO Financial Systems, Inc. strives to handle all accounts in a professional and courteous manner. We endeavor to come to mutually agreeable payment arrangements on accounts. As per NCO records, on July 25, 2014, [redacted] reached a mutually agreeable payment arrangement. If [redacted] has any questions or concerns regarding his account or payment arrangement please call Angelia C[redacted] at [redacted] ext. [redacted].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.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. -Very truly yours,Cathy B[redacted] Consumer Affairs—Team Lead

Review: NCO Financial Systems has been contacting me for months since I became passed due on my [redacted] credit card trying to collect money from me on behalf of [redacted].com. I was unemployed and and then I became behind on my monthly credit card bill from [redacted], who would not set up a payment plan or work with me. After a month or two my debt was sold off to NCO Financial and they have been calling me to ask me to pay. They came up with these ridiculous amounts based on what they claim I was past due. I never gave them debit card or social security information. I told them from January until April before I was employed that I was unemployed and could not pay [redacted] and I tried to work out a payment plan where a family member would be able to assist me in making my payments to [redacted] but they refused to help me. NCO financial would not work out a payment plan and claimed that they are a collections agency through [redacted] and has kept threatening to sell my debt to a third party collections agency. This makes no sense because they are a third party agency. They asked me to pay $627.31 in three installment payments to settle my debt back on April 1st, which I did not agree to because I do not have that kind of money. Then recently they asked for $69.00 to settle my debt. I paid [redacted] directly because I do not trust NCO Financial and do not think it's a legitimate company based on the research I done on them. Once I paid [redacted] when I received my first check on my job . They got mad because I did not pay them directly and on May 21st when I talked to them they said they would charge my debt off to a third party collections agency. They told me they wanted $345.00 by June 20th and they are 173 days delinquent and next month it will be transferred out of office. They also told me on May 27th I could pay $258.00 to avoid them charging off my debt. I do not have that kind of money. This company lied about not being a third party collections agency, has misrepresented themselves as working for [redacted], and are trying to extort money off of me by any means necessary.

Business

Response:

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,

Review: NCO contacted me with an outstanding balanced owed to [redacted] Hospital - from a few years ago - that I didn't even realize was still unpaid. We went through a really tough 2 years when the economy crashed and we lost our business; no money to pay bills and almost filed for bankruptcy. When NCO contacted me, she was rude, insulting, & horribly condescending. I asked for a detailed bill so I could validate the bill was not paid in full. After 'challenging' discussions, I called [redacted] myself to validate the account balance. I agreed to pay it with no issues (now that we are employed and CAN pay the bill). By the time my debit card was charged, an automatic bill had depleted the account and the charge declined. When they called me back, the NCO rep started yelling at me when I asked her to recharge the card, as I was happy to move more money into the account from savings. She barked at me, "Well why didn't you do that the first time!" After she continued to yell at me, I hung up on her, called [redacted] hospital and inquired as to how to pay the bill directly to them, rather than NCO. I also complained to [redacted] regarding NCO and asked for a supervisor to call me back... which no one did call me back. The last conversations and subsequent online payment was made on 3/4/2014 @ 12:49pm CST. The approval code is [redacted]. To debit [redacted] account xxxx [redacted]. Patient account number [redacted]. NCO is a HORRIBLE company and should not be allowed to operate or report to the collections agencies. NCO HAS POSTED A NEGATIVE CREDIT REPORT THAT I HAVE NOT PAID THE BILL IN MARCH --- IT MUST BE REDACTED IMMEDIATELY!!! I WILL CONTACT ALL NEWS AGENCIES AND AN ATTORNEY IF IT IS NOT REMOVED FROM EVERY AGENCY.Desired Settlement: NCO HAS POSTED A NEGATIVE CREDIT REPORT THAT I HAVE NOT PAID THE BILL IN MARCH --- IT MUST BE REDACTED IMMEDIATELY!!! I WILL CONTACT ALL NEWS AGENCIES AND MY ATTORNEY IF IT IS NOT REMOVED FROM EVERY AGENCY

Business

Response:

April 11, 2014Dear [redacted]: I acknowledge receipt of your March 17, 2014 letter for the abovereferenced consumer. Please be advised that NCO has closed the above account as settled in our office. It is NCOs intent not to have any further . communication with [redacted]. [redacted] 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 account from the consumers 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 consumers credit profile.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. 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,

Review: NCO was given my account by [redacted]. Amt owed was $55.95. I paid this through on line banking check #[redacted]. date of March 11 2014. I have copy of check where my bank generated and copy of back of check where NCO deposited.

However, this company still continues to call several times a day, hanging up when the answering machine comes on and using different 800 numbers to call in on to collect on this charge.

NCO also still has this on my credit report that this is unpaid.Desired Settlement: I want NCO to stop contacting me, give me credit for this payment as they should have done already, and report to any and all credit bureaus that this has been paid and no other negative comments or report from them in any way, shape or form.

Business

Response:

June 3, 2014Dear [redacted] I acknowledge receipt of the May 23, 2014 complaint for the above matter. Please be advised that NCO has closed the above account in our office. Please note that we have contacted the credit bureaus that we do o business with, with our request to delete our listing of the abovereferenced account from the consumers 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 consumers credit profile. It is NCOs 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,

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 received a wage garnishment letter from [redacted] ([redacted]) on 9/11/13 for $7,857.00. I called [redacted] on 9/11/13 and was directed to NCO Financial Syste**, Inc. who is the debt collection agency for [redacted]. A representative of NCO Financial Syste** told me the $7,857 I owed was a combination of interest and penalty fees associated with the original debt owed to [redacted] that was already repaid. I asked a representative of NCO Financial to send me an itemized statement explaining what the debt of $7,857.00 consisted of. I was told they did not have to provide me any additional information and I still have not received anything in writing from [redacted] or NCO Financial Syste**, Inc. pertaining to this debt. The creditor agency tracking number for this debt is [redacted].Desired Settlement: I want something in writing from NCO Financial Syste**, Inc. or [redacted] explaining how the interest and penalty fees were calculated. I also want a statement that shows how these fees were calculated based off the payments that were received by [redacted] every year from my income tax returns. I don't understand how a debt of no more than $9,000 accumulated $7,857 in interest and fees over a 4 year period.

Business

Response:

February 24, 2014

Dear **. [redacted]:

I acknowledge receipt of the February 11, 2014 complaint for the referenced consumer. In response to your request for validation, enclosed please find the materials we received from the creditor that corresponds to the above-referenced accounts. Please note, the accounts remain open in NCO's system. [redacted]. [redacted]’s accounts have been transferred to a special collection unit. Please advise **. [redacted] to contact [redacted] at ###-###-#### relating to these accounts.

It is NCO's intent not to have any further communication with **. [redacted] in reference to the above 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.

Strictly Confidential- Proprietary Company Information- Not Subject to Disclosure.

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.

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,