EGS Financial Care, Inc

I am not accepting this as an answer as I haven't before and please tell me who my creditor is since you all seem to point fingers but can't figure out who owns the loansIts through ncoYou bought out my loan so where is this nco doesn't have power over the loan or to decide who controls my default? Because everyone says it is youAnd regardless of who says I was put there the argument is staying in thereIf you look at the terms highlighted one becomes in default after any one missed monthly payment but nothing in there states you must remain once placed thereQuit pushing blame on other people and take some responsibility for my loans and get them out of defaultThe answer isn't no simply because you say soIt should be on the loan agreement on paper that you must remain in default once placed there and it doesn'tIf I have to get a lawyer I will, this loan agreement is garbage and you can't file bankruptcy on a private loan yet you can call it that on my credit reportI'm not backing down on this, even if I have to file a complaint everyday for a year you rip people off and I'm done with it[To assist us in bringing this matter to a close, you must give us a reason why you are rejecting the responseIf no reason is received your complaint will be closed Administratively Resolved]
Complaint: ***
I am rejecting this response because:
Regards,
*** ***

[To assist us in bringing this matter to a close, you must give us a reason why you are rejecting the responseIf no reason is received your complaint will be closed Administratively Resolved]
Complaint: ***
I am rejecting this response because:I filed a complaint against NCO Group, for illegal practices with placing hard inquiries on my credit fileI received a response letter today through your site from *** Systems, Increquesting a copy of my credit file, and a number of other things that I am not required to supply them with The company name had no connection to the NCO Group which I have filed a claim against with the Revdex.comI am demanding that NCO Group remove the inquiries that I did not in anyway allowThis is preventing me to get an important loan as they have inquiries (hard hits against my credit) I have no idea who the original account would have been with (which they are also requesting).Here is the information that I can provide to them to rectify this situation immediately:*** *** ***DOB 7/19/1975SSN 258459702Dates of hard inquiries: ***: 7/29/13, 10/14/13, 11/4/2013, 11/11/13***: 7/29/13, 10/14/13, 11/4/
Regards,
*** ***

February 24,
Dear ***:
I acknowledge receipt of the January 28, complaint for the referenced consumerIn response to your request for validation, enclosed please find the materials we received from the creditor that corresponds to the
above-referenced accountsPlease note, the accounts remain open in NCO's system*** *** accounts have been transferred to a special collection unitPlease advise *** to contact *** *** at ###-###-#### relating to these accounts
It is NCO's intent not to have any further communication with *** in reference to the above accounts
Please be advised that your account balance may be periodically increased due to the addition of accrued interest or other charges as provided in your agreement with the original creditor or as otherwise provided by state law
In the event that your office should forward this letter to the consumer: This is an attempt to collect a debtAny information obtained will be used for that purposeThis is a communication from a debt collector
Federal and state law prohibit certain methods of debt collection, and require that we treat you fairlyIf you have a complaint about the way we are collecting your debt, please visit our website at www.ncogroup.com or contact the FTC online at www.ftc.gov; by phone at 1-877-FTC-HELP; or by mail at Pennsylvania Ave., NW, Washington, DC If you want information about your rights when you are contacted by a debt collector, please contact the FTC online at www.ftc.gov
Very truly yours

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

September 24, Dear *** ***:I acknowledge receipt of the August 27, complaint for the referenced consumerWe are currently processing this complaint and will begin our investigation shortlyI expect to follwith you on this matter within the next days.Federal
and state law prohibit certain methods of debt collection, and require that we treat you fairlyIf you have a complaint about the way we are collecting your debt, please visit our website at www.ncogroup.com or contact the FTC online at www.ftc.gov; by phone at 1-877-FTC-HELP; or by mail at Pennsylvania Ave., NW, Washington, DC If you want information about your rights when you are contacted by a debt collector, please contact the FTC online at www.ftc.gov.Please contact my office directly if you have any questions.Very truly yours,Cathy B
Consumer Affairs Team Lead

May 6, Dear *** ***,This is in response to your complaint concerning allegations of harassment from NCOBased on my investigation, I can confirm that your account was assigned by Bell to NCO on February 25, for non paymentSeveral unsuccessful attempts were made to
contact youThe first confirmed contact occurred on April 8, 2015, according to documentation on the account, you notified our agent that you were aware of the debt and would be seeking to resolve it via the courtsNCO is attempting to collect this debt in goodwill on behalf of our client, we are not aware of the reasons for your dispute nor have I seen any evidence of harassment from the agent.If you feel that you do not owe the outstanding amount of $180.68, please outline the reasons for your dispute and we will review with our client to resolve any discrepanciesPlease do not hesitate to contact me should you wish to discuss furtherSincerely,
Marcelle L

October 27, Dear *** ***:
I acknowledge receipt of the October 17, complaint for the above matterPlease be advised that the telephone numbers (***) *** and (***) *** have been removed from the above-referenced accountIt is NCO’s intent not to have any
further communication with *** ** *** in reference to the above account, since *** ** *** is not the responsible consumer.Should I not hear from you within days, I will assume you have all information necessary to complete your investigation and close this matterThanking you for your cooperation, I remain,Very truly yours,
Cathy
B
Consumer
Affairs Team Lead

I will continue to pay threw my new bank account and call *** with the account out standing to report the paymentI hope they will continue to report payment gottenPlease email me once you see the payments reported at ***@***.comThank you for reply I did pay two out of my old account as agreed to and saw them go threw but when I called *** they said no we only got one so that why took to Revdex.com for investigations *** said no prob of paying threw my Bank Have a nice day thanks.[A default letter is provided here which indicates your acceptance of the business's response. If you wish, you may update it before sending it.]
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and find that this resolution is satisfactory to me.
Regards,
*** ***

August 27, Dear *** ***:I acknowledge receipt of your July 31, letter for the above consumerPlease be advised that the above "account is on hold pending closure in our officeIt is NCO's intent not to have any further communication with *** *** in reference to the
above account.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 *** ***'s credit profile for the social security number we have listed in our recordsPlease note that NCO Financial Systems, Inccannot affect a change to how any other company may have listed the above account on *** ***'s credit profileFederal and state law prohibits certain methods of debt collection, and requires that we treat you fairlyIf you have a complaint about the way we are collecting your debt, please visit our website at www.ncogroup.com or contact the FTC online at www.fic.gov; by phone at 1-877-FTC-HELP; or by mail at Pennsylvania Ave., NW, Washington, DC If you want information about your rights when you are contacted by a debt collector, please contact the FTC online at www.ftc.gov!Should I not hear from you within days, I will assume you have all information necessary to complete your investigation and close this matterThanking you for your cooperation, I remain,
Cathy B
Consumer Affairs Team Lead

November 29, 2017Dear *** ***:I acknowledge receipt of the November 27, complaint for the referenced consumerPlease be advised that the above-referenced account has been placed in a status to prevent further collection activity by EGSFurther inquiry regarding the underlying debt may be
directed to *** Bank/***, P.OBox ***, Orlando, FL ***.According to our files, we have not reported the above-referenced account to a credit bureauPlease be advised that EGS Financial Care, Inccannot effect a change to how any other company or entity may have listed the account on *** ** ***'s credit profile.Federal and state law prohibit certain methods of debt collection, and require that we treat you fairlyIf you have a complaint about the way we are collecting your debt, please visit our website at www.egsfinancialcare.com or contact the FTC online at www.ftc.gov; by phone at 1-877-FTC-HELP; or by mail at Pennsylvania Ave., NW, Washington, DC If you want information about your rights when you are contacted by a debt collector, please contact the FTC online at www.ftc.gov.Very truly yours,Sharon *WManager, Operations & Compliance Support

November 13, 2014Dear *** ***:
I acknowledge receipt of the November 4, complaint for the above matterTransworld Systems, Incdoes not list *** *** as the responsible consumer regarding the above accountWe have taken the information you have provided us very seriously and appreciate you efforts in bringing *** ***’ concerns to our attentionPlease 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 consumer's credit profileSince consumer's social security number was not included in the complaint, we cannot be certain that our request will be accurately processed by the credit bureaus notifiedShould I not hear from you within days, I will assume you have all information necessary to complete your investigation and close this matterVery truly yours,
Cathy B
Consumer Affairs Team Lead

July 9, Dear *** ***:I acknowledge receipt of your June 26, letter for the above consumer.NCO is servicing a total of private defaulted student loan accounts on behalf of the *** *** ***Please note that none of these private loans are secured by
the Federal Government and therefore, the loans are not eligible for rehabilitationAll of the accounts have been forwarded to *** *** * *** *** 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 fullIn addition, collecting on the defaulted balance may include obtaining a judgment by filing a lawsuit and/or initiating wage garnishmentPlease 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 plansPlease 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 lawsNCO’s records reflect that *** *** has been submitting payments directly to *** regarding all of her accounts since April *** will continue to apply her payments to the total balance due on these accounts*** has advised NCO that all of *** ***’s accounts have been transferred to one representative to handleNCO requests that *** *** contact a representative with *** directly at ###-###-#### regarding her accountsShould I not hear from you within days, I will assume you have all information necessary to complete your investigation and close this matterThanking you for your cooperation, I remain,
Very truly yours,Cathy B
Consumer Affairs Team Lead

[A default letter is provided here which indicates your acceptance of the business's response. If you wish, you may update it before sending it.]Revdex.com:I have reviewed the response made by the business in reference to complaint ID 10031180, and find that this resolution is satisfactory to me. Regards, *** ***

July 18, Dear MsCameron: I acknowledge receipt of July 14, complaint for the: above matterPlease be advised that NCO has closed the accounts in our office as settled pending the clearance of fundsOn May 21, 2014, *** *** *** placed
accounts with NCO for collectionOn May 29, 2014, NCO mailed the consumer an initial notice with a settlement, offer confirming his dispute rights under the Fair Debt Collection Practices Apt and applicable lawIt is NCO's intent not to have any further communication with *** *** *** 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.ftc.gov; by phone at 1-877-FTC-HELP; or by mail at Pennsylvania Ave., NW, Washington, DC If you want information about your rights when you are contacted by a debt collector, please contact the FTC online at www.ftc.gov.Should I not hear from you within days I will assume you have all information necessary to complete your investigation and close this matterThank you for your cooperation, I remain,Yours truly,

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

June 16, Dear *** ***:I acknowledge receipt of the June 11, follcomplaint for the referenced consumerAttached is a copy of the letter that EGS Financial Care, Inc(EGS) sent to the consumer on June 3, Federal and state law prohibit certain methods of debt collection, and require that we treat you fairlyIf you have a complaint about the way we are collecting your debt, please visit our website at www.egscorp.com or contact the FTC online at www.ftc.gov; by phone at 1-877-FTC-HELP; or by mail at Pennsylvania Ave., NW, Washington, DC If you want information about your rights when you are contacted by a debt collector, please contact the FTC online at www.ftc.govShould I not hear from you within days, I will assume you have all the information necessary to complete your investigation and close this matterThanks you for your cooperation, I remain,
Sharon W Consumer Affairs Production Manager

June 30, Dear *** ***:I acknowledge receipt of the June 18, complaint for the referenced consumerPlease be, advised that the telephone number (***) *** has been removed from the above-referenced accountIt is NCO’s intent not to have any further communication with *** *** in reference to the above account, since *** *** is not the responsible, consumer.Should I not hear from you within days, I will assume you have all information necessary to complete your investigation and close this matterThanking you for your cooperation, I remain,Very truly yours,

[To assist us in bringing this matter to a close, you must give us a reason why you are rejecting the responseIf no reason is received your complaint will be closed Administratively Resolved]
Complaint: ***
I am rejecting this response because: The letter they did is addressed to the Revdex.com, they also need to address a letter to me stating that the amount of $collection put on my credit was not suppose to be put on my credit That is was put on there in error in the amount of $852.34, so that the amount can be verified that it is a mistake Along, with noting that all credit bureaus have been notified to remove this negative collection from my account under my name of *** ***-***
Regards,
*** ***-** ***

October 21, 2014I acknowledge receipt of your October 7, letter for the above matterPlease be advised that NCO has received *** ***’s complaint and understands that the consumer wishes to enter into a payment plan of $monthly paymentsNCO will accept the payments;
however, please note that interest is accruing on the consumer’s account at 5.91%Be aware that the balance will continue to increase should the consumer fail to enter into a settlement on the account or increase paymentsPlease advise *** *** to contact Christopher S*** at ###-###-#### to set up payments on her 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 lawFederal and state law prohibits certain methods of debt collection, and requires that we treat you fairlyIf you have a complaint about the way we are collecting your debt, please visit our website at www.ncogroup.com or contact the FTC online at www.fic.gov; by phone at 1-877-FTC-HELP; or by mail at Pennsylvania Ave., NW, Washington, DC If you want information about your rights when you are contacted by a debt collector, please contact the FTC online at www.ftc.gov.
Should I not hear from you within days, I will assume you have all information necessary to complete your investigation and close this matterThanking you for your cooperation, I remain,Very Truly
Yours,Cathy
BConsumer
Affairs Team Lead

[To assist us in bringing this matter to a close, you must give us a reason why you are rejecting the responseIf no reason is received your complaint will be closed Administratively Resolved]
Complaint: ***
I am rejecting this response because:
The fact the NCO alleges there was no contact with me about the student loans in collection until July (last month) is categorically and if their account records do no indicate such, either the company and/or its representatives are not documenting contact with consumers. Accordingly, I have been in contact with the Department of Education Omsbudsmen about the status of my defaulted loans and have since learned that the Department of Education has not yet made a determination about the payment arrangements I have requested with them. It was also confirmed that the Department of Education received my paperwork in June (as they requested) and that they are in the process of reviewing same. Strangely, NCO advises that they received and assigned new accounts numbers to my loans effective July AND they never contacted me prior to July 2014. My personal research indicates that should I contact NCO and enter into a payment agreement with them for the subject loan(s), I have effectively acknowledged that the amount of the debt NCO alleges is accurate (which it is not) and relinquish my rights to work out a repayment plan with the Department of EducationAgain, I reiterate that NCO is noncompliant with laws governing debt collection, their records are either inaccurate and/or their office is willfully responding with incorrect/retracted or contrived information, and this organization warrants further scrutiny from Revdex.com, US Consumer Affairs, etcand a litany of other governing agencies which should be apprised of their inappropriate behavior and conduct in debt collection
Regards,
*** ***