EGS Financial Care, Inc

Review: I have made several attempts to contact the company regarding a small collections against me amounting to $158. I have only gotten through on two occasions. One where they promised to send me a copy of the bill and dates of service along with what services where given. (medical bill) On the dates that were give to me I had [redacted] insurance and it should have been fully covered, and that is why I was requesting the bill in detail. This was about a month and a half ago and I have yet to receive anything. I finally got a hold of someone today where they asked my name and social then put me on hold for OVER 30 minutes, only for no one to return to the phone. It is extremely disappointing that I cannot get through to anyone or that they have not fulfilled my request for the detailed bill. I am worried that maybe it is a fraudulent company because I should have no medical bills past due because of fully being covered through the military but no one will answer my calls or return them for that matter either. I never even received a bill for this only finding out because of a credit check for myself.Desired Settlement: I would like someone to contact me regarding my issue with the company as well as a detailed itemization of my services they are stating that I had some years ago.

Business

Response:

October 27, 2014Dear [redacted]:I acknowledge receipt of your September 30, 2014 letter for the above matter. Please be advised that 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. 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 Stefanie Williams' 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.NCO has transferred your account to a special collection unit. The consumer may contact Diane C[redacted] directly at ###-###-#### to discuss the status of the above account.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 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: NCO is sending me to collections and I have not received any documentation in the mail.

NCO is sending me to collections and I have not received any documentation in the mail. Furthermore I have contacted their office and they will not accept my terms to have this paid and deleted from my credit report.Desired Settlement: Request to have these items removed from all 3 credit reports and a settlement offer requested.

Business

Response:

October 23, 2014Dear [redacted]:I acknowledge receipt of your October 15, 2014 letter for the above matter. Please be advised that 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.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 [redacted]’s credit profile. Since [redacted]’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. NCO Financial Systems, Inc. cannot affect a change to how any other company or entity may have listed the accounts on [redacted]’s credit profile.NCO has transferred your account to a special collection unit. The consumer may contact Diane C[redacted] directly at ###-###-#### to discuss the status of the above accounts.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.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.With the supplied information being forwarded to the consumer, I consider this matter concluded.Very truly yours,Cathy

BConsumer

Affairs Team Lead

Review: It was implied to me that the collection would be removed from my credit report upon paymentDesired Settlement: immediate removal from my credit report, for all N.C.O. accounts

Business

Response:

October 22, 2014Dear [redacted]:I acknowledge receipt of your October 16, 2014 letter for the above matter. Please be advised that NCO has closed the above-referenced accounts as paid in our office. It is NCO's intent not to have any further communication with [redacted] in reference to the above accounts.In addition, please be advised that we have contacted the credit bureaus that we do business with, with our request to delete our listing of the above-referenced accounts 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 accounts on [redacted]'s credit profile. Please note that it may take 30-45 days to delete the above accounts.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 have told NCO Financial Systems, Inc. several times that I do not have nor have I ever had an account with [redacted]. NCO Financial Systems continues to send unwanted mail regarding this account. NCO Financial Systems has failed to produce a signed contract between myself and [redacted]. NCO Financial Systems inaccurately reported false information on my credit report regarding this account which I disputed on September 5, 2014.Desired Settlement: NCO Financial Systems, Inc. needs to remove this negative reporting from my credit report and stop contacting me immediately.

Business

Response:

October 3, 2014Dear [redacted]:I acknowledge receipt of the September 5, 2014 complaint for the above matter. 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 the consumer's credit profile. However, because the consumer’s full social security number was not provided to us, we will be uncertain as to whether our request will be accurately processed by the agencies notified. Should you have any information that will assist us further, please contact the undersigned. NCO Financial Systems, Inc. cannot affect a change to how any other company may have listed the above account on the consumer’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] at [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,Very truly yours,Cathy BConsumer Affairs Team Lead

Review: They keep calling my home with an automated message to call them back and when I do the number just rings.

They keep calling my home with an automated message to call them back and when I do the number just rings. I have called the main office number I have found online and told them to cease and desist all calls to my phone number but the calls keep coming.Desired Settlement: $10,000 and to stop calling my home. Or I advice my legal council to file the proper paper work for a lawsuit.

Business

Response:

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

thank you

Review: On two different accounts they have taken money out of my account without my permission and failed to pay the money back within 30 days. After I have denied uses of my bank and stole 276.00 out of my account and REFUSE to pay the money back. I have closed my bank account bc of them. I had my saving account closed bc of NSF. I want all of my fees back, my money and I want the account closed and settled.Desired Settlement: I want all of my fees back, my money and I want the account closed and settled.

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: A refund was NEVER made by NCO to my account and all information was sent both times money was taken from my account without authorization. I have never got my money back that was owed to me NCO. I had to file a unauthorization payment from my bank that only gave me $238.00 which was paid on May 31 2013. I am still waiting on my last $38.00 NSF which I am unsure if that will ever get paid back.

I was told that on the 29 APR that a paper check was sent from NY and now I am being told that money placed back into my account. Little odd that I was told that a paper check was coming. The money was never placed back into my account. I placed a stop payment on my account and I would like to pay my debit only by money order. I would like a mailing address to send payment to.

I work to hard for the little bit of money I get and you are no longer get any other form of payment other then a money order. I want settlement for this account and I want to close this account.

Regards,

Business

Response:

Please see the 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: We are still waiting for the other payment to be returned. Once again, I will give a bank statement proving once again that payment was taken out without lawful consent and was never returned.

We did however after 3 months of waiting we did get the 1st $138.00 back into our account -- June 14 2013.

Review: I keep getting daily calls from NCO Financial Systems attempting to collect an unidentified debt and asked to call [redacted] at ([redacted]. The calls do not identify any specific debt and are at all hours of the day and night. I do not want to return the call and ask that they cease and desist because they will then know they have actually reached someone and may intensify these improper and harassing calls.Desired Settlement: Stop this fraudulent company from robo-calling me!

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:

The letter claims that the company cannot investigate further without my social security number and information about their so-called claim. First off, it makes no sense that NCO Financial not able to identify the "claim" by just using my name unless they have multiple people with the same name. Secondly, there is no way in the world that I would provide my SSN or any personal information to such a shady organization. Thirdly, the voice messages that I receive EVERY DAY from this operation do not state any specifics about their "claim," such as the purported amount or the alleged creditor. Providing this information would likely provide them with ammunition to further harrass me.

In short, this is a nonsensical response intended to deflect Revdex.com's investigation into the activities of a company that tries to hassle people constantly so they will become flustered, call back and be lured into making payment(s) on a nonexistent debt. The fact that they do not provide any specifics of their alleged claims in their voicemails or to the Revdex.com is telling evidence of their fraudulent conduct.

Regards,

Business

Response:

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

thank you

Consumer

Response:

I am rejecting this response because:

Date Sent: 3/18/2013 5:07:42 PM

Hi [redacted],

NCO is still calling my home number every day, including weekends. My home number is: [redacted]. I am considering changing my home number, but this would generate a lot of work in terms of notifying friends and companies with whom I have accounts of the new number.

Thank you for your help on this!

Best,

Date Sent: 3/18/2013 4:14:11 PM

I am rejecting this response because:

NCO Financial's response requests personal information like my social security number which I will not release to an organization that: 1) does not state or have any claim against me; 2) has been robo-calling my home number incessantly without providing any alleged claim information; 3) has a well-documented history of fraudulent activity; and 4) may use my confidential information to further injure and harrass me.

I would request that the Revdex.com take some affirmative action against NCO rather than simply serve as a courier for their correspondence, which only seeks to delay and deflect my claim. I would venture that this has been NCO's tactic with respect to claims by numerous other aggrieved individuals like myself.

Thank you for your assistance.

Regards,

Business

Response:

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

thank you

Review: I've been receiveing collection notices for a vehicle that my former emplyeer leased in my name 7 months ago for toll changes that occure 3 months after I resigend from my position. I have notified my former employeer of this issue and they have notified NCO financial. I didn't create the toll violation during my employment and I no long wish to have my name or address availble to this companyDesired Settlement: I'm dont want my address or name assoicated with this outstanding issue. Have me removed from any further contact.

My Account with NCS is [redacted]

Thank you - [redacted]

Business

Response:

May 20, 2014Dear [redacted]:I acknowledge receipt of your April 28, 2014 complaint from the abovereferenced consumer regarding theabovereferenced accounts. Please be advised, NCO has placed the abovereferenced accounts 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 accounts.Federal and state law prohibit certain methods of debt collection, and require that we treat you fairly. If youhave 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: This company continually calls my home phone number, which we purchased from ([redacted]) over 7 months ago. They have called almost every week since then, and I have informed them over 80 times that [redacted] whoever they are looking for does not live here. This is not her phone number and I will not pay her bills. I told them to stop calling my house 80 times but they continue. Usually it will ring and they won't even answer, or it will be a message. They even call on Holidays.Desired Settlement: PLEASE LEAVE ME AND MY FAMILY ALONE. WE WILL NOT PAY FOR SOME RANDOM PERSON'S BILL. STOP HARASSING US. STOP CALLING ME. STOP CALLING ME. DO NOT CALL ME. NO ME LLAMAS!

Business

Response:

November 13, 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 accounts. It is NCO’s intent not to have any further communication with [redacted] in reference to the above accounts, 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:

**. [redacted],

Review: NCO constantly harasses me with calls to collect from another [redacted], despite multiple attempts to correct the problem.

For at least six months, NCO has called my office about a collection for a [redacted] (I am [redacted]. [redacted]). They have been told at least four times they have the wrong person, yet they continue to call and harass my employees, demanding to put me on the phone. I have personally confirmed that they have the wrong name, wrong date of birth, and wrong person twice now. They have also assured me twice that my office number will be removed from the system, but the calls persist. Today, I spoke with a supervisor, [redacted], who further promised to rectify the situation. I informed **. [redacted] that I am filing this complaint, as well as one with the Tennessee Department of Commerce & Insurance.Desired Settlement: I would like the harassing phone calls to stop. Because it starts with my employees before NCO representatives actually speak to me, this practice is a nuisance, an embarrassment, and besmirches my reputation.

Business

Response:

February 19, 2014

Dear **. [redacted]:

I acknowledge receipt of your February 14, 2014 complaint from the above-referenced consumer regarding the above-referenced accounts. 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]. [redacted] in reference to the above accounts, since he 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: My student loan was turned over to this collection agency. I received a statement in August 2013 indicating a balance of $4,512.03. They contacted me yesterday, October 17, 2013 at 2:45PM and said I owed over $5,600. The collection agent [redacted] stated that about $1.090 was added to the balance I owe because the debt was recently turned over to her agency. She stated that she worked for NCO Financial at the beginning of the conversation which is the same collection company that was handing it before. When I asked her what agency had turned it over she stated she could not see that information. I asked to speak to her supervisor. I asked him why this extra would be charged to my account he also could not explain the reason. He said that I just have to accept the $1,090 charge and pay it.

Each time I talk to them I have told them I am still unemployed and have no money to give them. I also tell them I will try to get someone in my family to help me pay the debt. This $1,090 charge should be reversed and deducted from the balance I owe.

I would also like for the debt to be returned to the student loan company. I have been unemployed and homeless since 2007 and payment on student loans should be deferred when people become unemployed. They have a statement from me stating that I am unemployed and a copy of my unemployment request which was denied, and they should not be able to turn it over to a collection agency because the mail going to my address was returned. My house was repossessed and I no longer had an address to give them.

Although recently someone in my family has allowed me to stay with them, I still have no income and cannot find employment. I would like to return to school to further my career but I have no way to pay for school and cannot obtain a student loan because mine is in default. I paid most of my student loan back when I was employed but it seems the student loan company is trying to keep me unemployed. Most of all NCO Financial is trying to make outrageous unlawful collections. They are abusing the Federal powers they have in collecting student loan debts but not acting under the Federal standards established to collect student loan debts. There is no reason a $1,090 charge should be posted to my account. [redacted] and her supervisor should loose their job for not attempting to reverse the erroneous charge or even understand why it is there.Desired Settlement: Deduct $1,090 from the outstanding balance I owe

Returning collection efforts for the remainder of my debt owed back to [redacted]

Consumer

Response:

My student loan was turned over to this collection agency. I received a statement in August 2013 indicating a balance of $4,512.03. They contacted me yesterday, October 17, 2013 at 2:45PM and said I owed over $5,600. The collection agent [redacted] stated that about $1.090 was added to the balance I owe because the debt was recently turned over to her agency. She stated that she worked for NCO Financial at the beginning of the conversation which is the same collection company that was handing it before. When I asked her what agency had turned it over she stated she could not see that information. I asked to speak to her supervisor. I asked him why this extra would be charged to my account he also could not explain the reason. He said that I just have to accept the $1,090 charge and pay it. Each time I talk to them I have told them I am still unemployed and have no money to give them. I also tell them I will try to get someone in my family to help me pay the debt. This $1,090 charge should be reversed and deducted from the balance I owe. I would also like for the debt to be returned to the student loan company. I have been unemployed and homeless since 2007 and payment on student loans should be deferred when people become unemployed. They have a statement from me stating that I am unemployed and a copy of my unemployment request which was denied, and they should not be able to turn it over to a collection agency because the mail going to my address was returned. My house was repossessed and I no longer had an address to give them. Although recently someone in my family has allowed me to stay with them, I still have no income and cannot find employment. I would like to return to school to further my career but I have no way to pay for school and cannot obtain a student loan because mine is in default. I paid most of my student loan back when I was employed but it seems the student loan company is trying to keep me unemployed. Most of all NCO Financial is trying to make outrageous unlawful collections. They are abusing the Federal powers they have in collecting student loan debts but not acting under the Federal standards established to collect student loan debts. There is no reason a $1,090 charge should be posted to my account. [redacted] and her supervisor should loose their job for not attempting to reverse the erroneous charge or even understand why it is there.

Desired Settlement

Deduct $1,090 from the outstanding balance I owe Returning collection efforts for the remainder of my debt owed back to [redacted]

Desired Settlement: Billing Adjustment

Business

Response:

Dear **. [redacted]:

I acknowledge receipt of the October 21, 2013 complaint regarding to the above referenced consumer. In response to your request for validation, enclosed please find the materials we received from the creditors that correspond to the above-referenced accounts. Please advise [redacted] to forward payment on the above accounts to NCO Financial Systems, Inc., P.O. Box 15109, Wilmington, DE 19850. 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.

For further inquiry underlying debt may be directed to [redacted] at [redacted] extension [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.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.

Very truly yours,

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 understand and thank you for enlightening me with your explanation of accrued interest. But please explain to me why the statement I receive in late August 2013 indicated that I owed a total balance, including principle and interest, that was $1,100 lower than the balance I was told I owed in October and the balance you are indicating here. An interest charge of $1,100 for one month on a $4,500 loan would be about 293% which is substantially higher than the interest rate on my student loan.

Business

Response:

Dear [redacted]:

I acknowledge receipt of the November 18, 2013 follow up complaint regarding to the above referenced consumer. Per the validation that NCO sent in response to the October 21, 2103 complaint, as of November 5, 2013, the total balance due for all of the above-referenced accounts was $5,646.38. This amount includes the principal, interest, and collection fees that have been applied to each account. Specifically, the principal and interest equals $4,553.53 of the total balance ($3,861.71 in principal and $691.82 in interest).

Regarding the interest, $180.25 is for the interest that accrued on the accounts before the accounts went into a default status. The $511.57 interest due relates to interest that accrued on the accounts post default. The additional $1,092.85 charge relates to the total amount of collection fees that were added to each account once they were placed for collection. Please note that all of the interest and fees are being applied to this account in accordance with the terms of the promissory notes or as otherwise provided by applicable state and/or federal laws.

In addition, NCO requests that [redacted] contact [redacted] directly at ###-###-####, extension [redacted] with any additional questions regarding the accounts

Federal and state law prohibit certain methods of debt collection, and require that we treat you fairly. If you have a complaint about the way we are collecting your debt, please visit our website at www.ricogroup.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.jftc.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.

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: This deba t has been handled by NCO Financial since 2009 so I do not understand how the $1,100 could be considered a cost that was incurred as a result of turning over the debt, It is this $1,100 that I am expected to pay and just appeared out of nowhere and no one from NCO Financial wil give me a good explanation of.

Regards,

Business

Response:

Dear [redacted]:

I acknowledge receipt of the December 3 follow up complaint regarding to the above referenced consumer. NCO has confirmed that the client added collection costs to the outstanding principal and interest that was due when [redacted] defaulted on each loan. The client has advised NCO that the current collection fee that is being applied to each account is 24.34% of the outstanding principal and interest. As previously stated in NCO’s November 27, 2013 letter, the collection fees are being applied in accordance with the terms and conditions of [redacted]’s promissory note or as otherwise provided by applicable state and/or federal laws. Enclosed is a copy of the master promissory note relating to these loans.

Please note that NCO requests that [redacted] contact [redacted] directly at ###-###-####, extension [redacted] if [redacted] needs additional clarification regarding the collection fees that have been applied to each loan. ;

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.flc.gov. '

Should I not hear from you within 3.0 days, I will assume you have all information necessary to complete your investigation and close this matter.

Very truly yours,

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: the promissory notes I signed all say the same thing regarding this matter. The promissory note states that if I fail to make a payment that I will have to the balance,, interest and reasonable collection fees. It does not state that I have to pay whatever fee you or anyone else arbitrarily decides to post to my account. It states that I will only have to pay reasonable collection fees. Posting a collection fee increasing the balance I owe 25% all of a sudden, four years after taking over collection efforts on my account, without any logical explanation as to where it came from is not in any way reasonable.

You and your staff need to be made aware that whatever fee you decide to charge does not make it reasonable. Adding 25% out of the blue to a loan balance is not considered reasonable for student loans.

I should add that since I am dealing with a debt collector, if I don't hear back from you within 30 days, I will consider this debt written off or $0.

Regards,

Review: I am writing to dispute a $19.15 charge from [redacted] (Note: as of today August 15th I am no longer disputing the charge, I have settled my finanical request with [redacted], I am just looking for an apology from NCO) dating back to August of 2008. Back in August of 2008, my wife ([redacted]) moved from [redacted] across the street to [redacted] and had the utilities moved or shut off at the former residence. At that time, she/we had all our mail legally forwarded to the new address. In addition, because the house was down the street, our mail carrier delivered all mail to the new address. In fact, to this day, she continues to deliver the occasional piece of mail addressed to my wife at [redacted] to the new house.

Up until May 3, 2013, we were unaware of owing $19.15 to [redacted] (the previous gas company which [redacted] bought). At no time up until May 3, 2013 had she/we received an outstanding bill or a phone call about the missing payment, which makes me question if [redacted] even actually mailed a final shutoff bill.

The first time I was made aware of this debt was on May 3, 2013 when a representative from ACO/NCO called the house. In our discussion, I was told that we owed $19.15 to [redacted]. I asked a few simple questions which your representative could not answer. The first question was “Why have we not received a bill in 5 years?” and the second question was “for what month was the missed payment?”. The ACO/NCO representative did not have the answer to these two questions, so I decided to call [redacted] directly.

After hanging up the phone with ACO/NCO, I immediately called [redacted]. After explaining the situation, [redacted] and I determined it was the last month shut-off bill for August 2008. I paid the $19.15 plus a $2 phone fee and was given a payment confirmation number which is 44123000.

Unfortunately, there seems to be a communication breakdown between ACO/NCO and [redacted] because on August 11, 2013, I returned a call from [redacted] at ACO/NCO. [redacted] stated that according to ACO/NCO’s records the $19.15 is still outstanding. I was not as prepared for this call as I should have been because I did not readily have the [redacted] payment confirmation nor could I quickly find the charge on my credit card, but I assured [redacted] that I did indeed pay the bill on May 3, 2013 directly to [redacted].

During this discussion, [redacted] stated a few things to which I take offense. First, he stated “let me put your mind at ease, if you did indeed pay [redacted] there is a Massachusetts law that states they must report it to us no later than 7 business days. Since it’s been 3 months I don’t think you paid it.”

Secondly, [redacted] stated “neither ACO/NCO nor [redacted] ever make a payment mistake and since you cannot provide me a confirmation you must not have paid it.”

Lastly, he inferred I was lying about paying [redacted] in his tone and other statements that were made. I pride myself to be an honest, trustworthy person and I take great offense at his accusation of my character.

On August 12, 2013 in response to my discussion with [redacted], I called [redacted], who acknowledged that not only was my bill paid on May 3, 2013, it was reported to ACO/NCO on May 31, 2013.

I believe I have not only been misled and lied to by your staff but also have been treated as a liar. After confirming with [redacted] that this is indeed paid, please immediately remove the $19.15 debt from collections and remove any outstanding charge or note on her credit report immediately.

In addition, I am requesting an immediate apology from [redacted] for misrepresenting information in statements he made to me during our discussion.

Lastly, if [redacted]’s statement of “Massachusetts Law states that [redacted] has 7 business days to report a payment to us” then [redacted] (and ACO/NCO as a paid client) has broken the law and I am entitled to triple damages under state law. If Massachusetts does not have a law in regard to the amount of time [redacted] has to report the payment then [redacted]’s statement would be in direct violation of the Fair Debt Collection Act of 2002, 807, False or misleading representation {15 USC 1692e} which forbids:

(10) The use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer.

If a written apology is not forthcoming from [redacted] or your company, I will continue to pursue this matter with every avenue afforded to me under the Fair Debt Collection Act.

I thank you for your time in this matter and hope it can be resolved as quickly as possible.Desired Settlement: Remove the $19.15 debt from collections and remove any outstanding charge or note on her credit report immediately. A formal written apology from [redacted] Cobb or NCO.

Business

Response:

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

August 28, 2013 [redacted]

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: [redacted]

Our Reference No(s). Creditors')

[redacted] of Massachusetts

Account No.: [redacted]

Dear **. [redacted]:

I acknowledge receipt of the August 15, 2013 complaint for the above referenced consumer. Please be advised that NCO has closed as paid the referenced account in our office. Please note that NCO has not reported this matter on consumer's credit profile. 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. It is NCO’s intent not to have any further communication with [redacted] in reference to the above account.

Federal and state law prohibit certain methods of debt collection, and require that we treat you fairly. If you have a complaint about the way we are collecting your debt, please visit our website at www.ncogroup.com or contact the FTC online at www.ftc.gov; by phone at 1-877-FTC-HELP; or by mail at 600 Pennsylvania Ave., NW, Washington, DC 20580. If you want information about your rights when you are contacted by a debt collector, please contact the FTC online at www.ftc.gov.

Should I not hear from you within 30 days, I will assume you have all information necessary to complete your investigation and close this matter. Thanking you for your cooperation, I remain,

Very truly vours,

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 feel the NCO representative stated non-existent Massachusetts laws to collect a debt that had already been paid for previously. I feel making up non-existent laws, lying about how their company and [redacted] never make a mistake (which they obvious did this time around which I proved) and treating me as a liar when I was the only person stating the truth during the conversation is in violation of the Fair Debt Act. I feel I am at a minimal due a written apology for being lied to by their organization.

Regards,

Review: This company keeps calling me almost daily bugging me about a supposed debt, but I do not owe any debts. The company repeatedly leaves automated voicemail messages asking me to call a number to resolve the issue but fails to provide my name, phone number, or other identifying information to confirm that this is not an error. The company also fails to reveal who the debt is owed to or the amount of the debt. When I called the number provided in the voicemail message, I was put on hold and then eventually transferred to an automated voice mailbox to leave a message, but I could not leave a message as the mailbox was full.Desired Settlement: I want the company to stop contacting me since they cannot produce proof that I am the person they are trying to contact, and they will not divulge what is owed or to whom it is owed.

Business

Response:

May 28, 2014Dear [redacted]:I acknowledge receipt of May 14, 2014 complaint for the above matter. Please be advised that NCO has closed the referenced accounts in our office as paid. Please 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 [redacted] 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 accounts on [redacted] credit profile. It is NCOs intent not to have any further communication with [redacted] in reference to the above accounts. Federal and state law prohibit certain methods of debt collection, and require that we treat you fairly. If you have a complaint about the way we are collecting your debt, please visit our website at www.ncogroup.com or contact the FTC online at www.ficgov; 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: NCO Financial placed a collection on my credit report, that I was not aware of. I have never received any correspondences from them concerning this collection account. I have sent a debt verification letter to them, but still have not heard anything.Desired Settlement: DesiredSettlementID: Other (requires explanation)

I would like the collection account# [redacted], removed from my credit report, and an opportunity to address this collection matter if it is truly mine.

Business

Response:

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

thank you

Review: Was told by two employees [redacted] and [redacted] that I would set up a payment plan pay a certain amount for four months then it would change when I called to set up new payment arrangement the gentleman I talk to was extremely rude he kept telling me there was nothing the could do that both those employees where fired for seting up and telling customer wrong information he refused to help when I asked to speak to the manger he stayed on the phone and continued to argue with me I asked him multiple times to pass the phone to his manager he would not when I got the manager on the phone we got it some what figured out but not to what I was told the first time and when asking if he I could complain to somebody like corporate he said they didn't have nobody to complain to which I don't believe it was the worst experience I have ever had in my whole life I want to get away from doing business with them just horrible they need better screening on who they hire!! I would like to talk to somebody in headquarter now that I know they have one!!Desired Settlement: I want to speak to headquarters and for my account to get transferred back to [redacted] so I deal with them directly so I never have to go throw this again because they will charge for this complaint because I know they have to pay to respond and I don't want it to be billed to me!

Business

Response:

May 1, 2014Dear **. Vaghari:I acknowledge receipt of the April 11, 2014 letter regarding the referenced account for [redacted]. Please be advised that NCO has removed [redacted]'s telephone number(s) from its system. NCO will place no further calls to [redacted] relating to the above referenced accounts. Please note, the accounts remain open in NCO's system. **. [redacted]'s accounts have been transferred to a special collection unit. **. [redacted] may contact NCO representative [redacted] at ###-###-#### regarding payment arrangements.Please be advised that the account balances may be periodically increased due to the addition of accrued interest or other charges as provided in the agreement with the original creditor or as otherwise provided by state law.While we have complied with federal law, factors beyond our control may prohibit us from confirming or denying the presence of inaccurate information within the time frame prescribed by state law. We may not have sufficient time to complete an investigation of the alleged inaccuracy.We have taken the information the consumer has provided to us very seriously and appreciate your efforts in bringing her concerns to our attention. Let us state at the outset that it is not the policy or the practice of this company to engage in unfair, deceptive or misleading practices. Nor are such occurrences tolerated. Our employees are trained and are also regularly monitored for compliance purposes: Please assure the consumer that her comments have been thoroughly reviewed and have not been taken lightly. Should it be found that a collector violated NCO’s policies and procedures relating to the handling of this account, the collector will be disciplined and retrained regarding NCO’s policies and procedures.Federal and state law prohibit certain methods of debt collection, and require that we treat you fairly. If you have a complaint about the way we are collecting your debt, please visit our website at www.ncogroup.com or contact the FTC online at www.ftc.gov; by phone at 1-877-FTC-HELP; or by mail at 600 Pennsylvania Ave., NW, Washington, DC 20580. If you want information about your rights when you are contacted by a debt collector, please contact the FTC.Very truly yours,

Review: this company calls me at least 6 times a day every dayDesired Settlement: please stop calling me. if you must contact me do so by US mail with your name on the envelope so I can discard it without opening it

Consumer

Response:

Complaint Detail

NCO calls me constantly. Today they called me at 839am, 1107am, 159pm. they sometime call as may as 8 times a day

Desired Settlement

Please contact me by us mail only with your name clearly marked so I can discard it without opening

Desired Settlement: Stop Contacting Me

Business

Response:

March 13, 2014

Dear **. [redacted]:

I acknowledge receipt of the March 6, 2014 complaint for the above reference 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.

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,

Review: December 13, 2013

On November 26, I received a call from you, [redacted] Alston stating they were collecting a debit in the amount of 700 and some old numbers. (I was driving and unable to write the information down) and that they were collecting for the Common Wealth of Virginia.

I explained that this debit as deducted from my tax refund and not owed. I also stated that I need you to send my information and proof of this debit and I would get the information from the IRS that showed that it was paid.

You told me that this would not stop legal action and it was going into legal action. I said can I pay $50.00 to stop it from proceeding until I can send you the information that it was paid.

You then told me NO you HAD to have $75.00 and payment arrangements. To stop further legal proceed per YOUR demand I agreed to $75.00 then and $75.00 a month until I could get the required proof that it was no owed and clearly asked once I do this you will refund the money that as paid since it is not owed. You stated that the Common Wealth of Virginia would refund any over payment.

I provide you with my mailing address so you could send me proof of the debit, however you did not comply you only mailed a bill of a payment due to the WRONG ADDRESS. It was sent to my previous address in Virginia.

Then it was brought to my attention that the amount of $87.00 was deducted from my card when only the 75.00 was authorized. This is your formal notice to cancel these payment arrangements immediately and refund the $87.00. This debit is not owed as previously stated and I will not make any additional payments until I have proof of this Debit. No future payment are to be withdrawn from my account.Desired Settlement: see Attached document

Business

Response:

January 28, 2014

Dear [redacted]

I acknowledge receipt of the January 2, 2014 complaint for-the above referenced consumer. .Enclosed please find the materials we received from the creditor that corresponds to the above account. According to NCO : records, a refund was processed in the amount of $87.00 on December 30, 2013.

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 Financial Service

PO Box [redacted], DE [redacted]

###-###-####

Re: [redacted]XXXX

Dear debt collector,

I am responding to your contact about collecting a debt. You contacted me by mail at [redacted], [redacted], TX [redacted].

I do not have any responsibility for the debt you’re trying to collect. As this

If you have good reason to believe that I am responsible for this debt, mail me the documents that make

you believe that. Stop all other communication with me and with this address, and record that I dispute having any obligation for this debt. If you stop your collection of this debt, and forward or return it to another company, please indicate to them that it is disputed. If you report it to a credit bureau (or have already done so), also report that the debt is disputed.

Thank you for your cooperation. Sincerely,

NCO FINANCIAL SYSTEMS INCDesired Settlement: Removed form credit is this is fradulent activity

Business

Response:

November 15, 2013

Dear **. [redacted]:

I acknowledge receipt of the October 28, 2013 complaint for the above matter. Please be advise 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] at [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.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,

Review: This company has called my home for over a year - every day, multiple times a day - looking for someone who does not live here. I have asked them repeatedly to cease the calls but they will not stop.Desired Settlement: STOP CONTACTING ME!

Business

Response:

August 22, 2013

Dear **. [redacted]:

I acknowledge receipt of the August 20, 2013 complaint for the above-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. 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. In order to further investigate this matter, NCO requests that [redacted] provide any other telephone numbers that NCO may be calling.

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,

Review: I agreed to settle a bill for 2,161.99. NCOFS Never sent me the original fax of the settlement and never sent me the final receipt. I paid the agreed upon amount on the 28th of every month. However, as often as I called, they never sent me the written agreements.

Now I am receiving calls from another company for the same debt.

I am concerned that I have been scammed.Desired Settlement: Either refund my money, or send me the charge-off letter stating that I met the terms of the agreement.

Business

Response:

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

thank you