EGS Financial Care, Inc

Review: I had already paid the debt of $189.00 is what I paid to the original creditor. But they have reported it anyways to all three credit agenceis. That I still owe $180.00. On a letter dated 6/30/14. Signed by Tywanna N[redacted] Director Consumer Affairs. They said this was done in error and will remove it from all three credit agencies. But it is 7/15/14 and it is still on all three credit reports.

At the time it was first repoted. We were negotiating a setlement payment.Desired Settlement: Please remove negative info from all three credit reporting agencies.

Business

Response:

July 22, 2014Dear [redacted]:I acknowledge receipt of your July 16, 2014 letter for the above consumer Please be advised that NCO has closed the - above-referenced accounts 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 accounts 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 accounts on the consumer’s credit profile. Please note that it may take 45-60 days for the credit bureau to remove an account from 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.Consumer Affairs Team Lead

Review: My annual free credit report shows an alleged $122 debt by NCO Financial Services stemming from an alleged original debt of $104 from [redacted] of [redacted]. Curiously, unlike most utilities, [redacted] bills customers every other month. However, I have received no bill from [redacted] for $104. When living in [redacted], I was enrolled in the Senior Utility program and on some occasions I had enough money placed into my utility account by that program that I was told not to pay anything during a billing cycle.

There must be some misunderstanding. [redacted] is surely aware that I was a partiipant in the Senior Utility Discount Program when I resided there. I never received a bill for the alleged debt and am asking as desired settlement that this debt entry be removed from my credit files.Desired Settlement: Removal of this unverified debt from my credit files.

Business

Response:

August 25, 2014Dear [redacted]:I acknowledge receipt of your August 13, 2014 letter for the above consumer. Enclosed is the validation requested by [redacted]. These materials have also been forwarded to [redacted].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. 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 account on [redacted]’s credit profile.Further inquiries regarding the above account may be directed to Kim Hettinger, an NCO manager directly at ###-###-####.Please be advised that the account balance may be periodically increased due to the addition of accrued interest or other charges as provided in the agreement with the original creditor or as otherwise provided by state law.Federal and state law prohibits certain methods of debt collection, and requires that we treat you fairly. If you have a complaint about the way we are collecting your debt, please visit our website at www.ncogroup.com or contact the FTC online at www.ftc.gov; by phone at 1-877-FTC-HELP; or by mail at 600 Pennsylvania Ave., NW, Washington, DC 20580. If you want information about your rights when you are contacted by a debt collector, please contact the FTC online at www.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

Business

Response:

September 16, 2014Dear Ms. Cameron:I acknowledge receipt of your September 11, 2014 follow-up letter for the above-referenced consumer. Please be advised that the above account is closed in our office. It is NCO's intent not to have any further communication with Buck Green 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 Buck Green's credit profile. Since Buck Green'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 account on Buck Green’s credit profile.Further inquiries regarding the above account may be directed to City of Seattle City Light at 700 5" Ave., Suite 4250, Seattle, WA 98124.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,Cathy BConsumer 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: companys phone calls will start exactly 759am call again at 815am then 845,847,1030,1035,until 859pm they do not leave anytype of message

have no clue on what they are calling about, no messages left, no mail recieved,called 13 times in 1 day, 11 the day before 8 the day before getting really harassed, on something not notified ofDesired Settlement: stop the harassing calls or be prepared to open your check book for unfair debt collection acts,any notification should be via mail from this point forward,so stop calling

Business

Response:

May 13, 2014Dear [redacted]:I acknowledge receipt of the May 5, 2014 complaint for the above matter. Please ibe 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,

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:

they do not answer why even after 9pm they have called a total of 13 times a day using various numbers registered to them, please advise them next time for future purposes its called harassment and they can and will be sued and prosecuted to the fullest extent of the law , for more reference to this company [redacted] to see every americans complaint on this sham of a company

Regards,

Review: This organization called my job several times after I asked them not to and provided my address for them to contact me. I request only written correspondence due to dealing with unethical collection agency previously.Desired Settlement: For NCO to contact me via mail correspondence

For NCO to not contact my job ###-###-#### or any other phone number that they might associate with me

Business

Response:

February 19, 2014

Dear **. [redacted]:

I acknowledge receipt of your February 10, 2014 complaint for the above-referenced consumer regarding the above-referenced accounts. Please be advised NCO has placed the above-referenced accounts in a restrictive status to prevent collection activity in our office. It is NCO’s intent not to have any further communication with [redacted] in reference to the above accounts.

Please be advised that the account balance may be periodically increased due to the addition of accrued interest or other charges as provided in the agreement with the original creditor or as otherwise provided by state law.

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

Please note, the above-referenced accounts remain open in NCO's system. [redacted]'s accounts have been transferred to a special collection unit. Please advise [redacted] to contact [redacted], toll-free at ###-###-#### relating to 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.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

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: On July 9, 2013 I paid in full an account that was in collections with NCO. The confirmation number for this payemtn is [redacted]. The NCO account number is [redacted]. The reference code is [redacted]. To date this collections account still shows up on my credit report as being unpaid and still in collections, negatively affecting my credit report. All attempts to have this remedied have been unsuccesful. Every attempt to call the main line of NCO results in an endless wait on the phone and being told to leave a message for a return phone call. This is not even possible since the voice mailbox is FULL. If I do find a round about way to get ahold of someone they will look up my information, tell me it has been paid, tell me they can not fax or email confirmation of payment and tell me they are transfering me to to correct office, which just leads me right back up to the main line again. Even when I ask not to be transfered to have my questions answered they still transfer and hang up. Today 2/6/14 I believe I spoke with a [redacted].Desired Settlement: I would like all applicable credit rating agencys to be notified of my July 9, 2013 payment and my credit report to reflect said payment. I would like to notified when NCO does this. I would also like a receipt of my July 9, 2013 payment send via email, fax and U.S. Mail.

Business

Response:

February 14, 2014

Dear **. [redacted]:

I acknowledge receipt of your February 7, 2013 complaint for the above referenced consumer Please be advised NCO has closed the referenced account in our office as paid. Enclosed please find a copy of the payment history. 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. 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: RE: (FRAUD BY OMMISSION)

ATTN: CONSUMER RELATIONS,

“I HAVE RECENTLY REVIEWED MY CREDIT REPORT AND NOTICED YOU ARE REPORTING A DEROGATORY ITEM UNDER ACCOUNT NUMBER. AFTER REVIEWING MY RECORDS, I CAN’T FIND NO CONTRACTUAL OBLIGATION BETWEEN YOUR COMPANY AND ME THAT MAKES YOU A PERSON ENTITLED TO COLLECT ANYTHING. THERFORE, INADDITION YOU MAY HAVE MISREPRESENTED YOUR LEGAL STANDING TO COLLECT THIS ALLEDGE DEBT AND ENTICED ME INTO PAYING YOU THROUGH FRAUD BY OMMISSION. YOU HAVE NO LEGAL STANDING TO COLLECT THIS ALLEDGE DEBT SINCE NO CONTRACT SPECIFICALLY NAMES YOU AS A HOLDER IN DUE COURSE, YET YOU REPRESENTED THAT YOU WERE ENTITLED TO COLLECT. IN ADDITION, YOU USED THE MAIL TO DO THIS, WHICH MAY CONSTITUTE MAIL FRAUD UNDER 18 USC 1341, TITLE 39 USC (SEC) 3001(D) AND TITLE 39 (SEC) 3005. EITHER PROVIDE A CERTIFIED COPY OF THE ORIGINAL CONTRACT SPECIFICALLY NAMINGYOUR COMPANY AS A PERSON ENTITLED TO COLLECT A DEBT AGAINST ME, OR CEASE AND DESIST ANY AND ALL COLLECTION EFFORTS AND IMMEDIATELY DELETE ANY AND ALL DEROGATORY INFORMATION REPORTED TO THE THREE MAJOR CREDIT BUREAUS. IF YOU FAIL TO PROVIDE PROOF OF CONTRACT, I WILL FILE A COMPLAINT WITH THE POSTAL INSPECTOR SERVICE AND YOUR LOCAL POSTAL INSPECTOR FOR MAIL FRAUD VIOLATIONS AGAINST YOUR COMPANY. IN ADDITION I WILL ALSO FILE A COMPLAINT WITH THE ATTORNEY GENERALS OFFICE FOR VIOLATIONS OF STATE FRAUD STATUTES. FURTHERMORE, I MAY ALSO FILE A SMALL CLAIMS LAWSUIT FOR FRAUD AND DEFAMATION OF MY CHRACTER, AND SEEK DAMAGES THREE TIMES THE AMOUNT YOU ARE ATTEMPTING TO COLLECT. PLEASE GOVERN YOURSELF ACCORDINGLY.Desired Settlement: I WANT THIS ACCOUNT DELETED FROM MY CREDIT REPORT PROFILE AT ONCE SO THAT I CAN MAY BEGIN RESTORING MY CREDIT INTEGRITY PER. 47 U.S.C. SECTION 415

Business

Response:

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: NCO Collection Department reported two erroneous entries on my credit report at [redacted] on Oct 9 & 10. I submitted my request to NCO twice and one phone call (the agent admitted it was an internal error). However, I have not received any correspondence (an apology or admitting error) and most importantly the error has not been corrected as promised. I am filing this complaint for my self as well as other customers who might have the same or similar issues as reference.Desired Settlement: 1. Issue an apology letter admitting the error and corrective/repair action and completion date.

2. Correct errors on my credit report immediately.

3. Implement a permanent measure to my past accounts to ensure similar errors won't possibly recur.

Business

Response:

December 3, 2014Dear [redacted]:We appreciate the opportunity to respond to the above-referenced complaint, forwarded from NCO Financial Systems, Inc. (“NCO”), wherein you requested information relating to the above-referenced account serviced by [redacted]. ([redacted]) is a credit card servicing and payment processing company. We remain committed to maintaining a high level of customer satisfaction and appreciate the opportunity to assist you. This communication is being provided per [redacted]’s request and is for informational purposes only and not an attempt to collect a debt. Having researched this matter, please consider the following:[redacted] has reviewed [redacted]’s concerns relating to the credit reporting of a [redacted] trade line for his account. Please note that [redacted] has confirmed that the [redacted] trade line is no longer reporting with any of the three main credit reporting agencies. Please note that [redacted] has no control over the manner in which any other entity may have listed this account on [redacted]’s credit profile.If [redacted] has any further questions, please contact me directly at ###-###-####, ext [redacted].Very truly yours,Christina HResolution Representative

Review: NCO called my friends business repeatedly looking for me. I volunteer for this business on weekends and the only place this association is listed is on my linked in account. The business did not exist prior to April 2013. So somehow NCO obtained a phone number and continuously called looking for me. when my friend gave me the number I called back and I was told they would garnish my wages and inform my employer. they also told me the number associated with my friends business was listed on my credit report which is not true and asked me for sensitive information over the phone. I told them to send the information to the address listed on their report and to report it to the credit bureau so I could dispute the information the correct way. They told me they would garnish my wages and that I owed the federal government 80,000 so I would be arrested.Desired Settlement: I would like this company reported to the department of commerce and they should be permantly put out of business

Business

Response:

September 20, 2013

Dear **. [redacted]:

I acknowledge receipt of the August 15, 2013 complaint for the referenced consumer. Please be advised, NCO has placed the referenced accounts in a restrictive status to prevent further collection activity in our office. It is NCO's intent not to have any further communication with Tasha [redacted] in reference to the above accounts. Please note, the accounts remain open in NCO’s system, Please advise **. [redacted] to contact [redacted], toll-free at ###-###-####.

We have contacted our client and were advised that loan information is available at [redacted] or by calling the Department of Education customer service line at: ###-###-####.

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.

Review: I have a $40 m medical bill from [redacted] Physician Service dating 12/31/13. I didn't pay until July. I paid online to NCO Financial, and I took a screen shot of my payment. Though paying through my bank the screen shot was to assure and verify payment was made. Once made NCO financial was to contact [redacted] concerning my payment. [redacted] tells me that I should have made it through them even though I was harassed with phone calls from NCO Financial who only left recorded messages and never having a "live" person. Today I call physician services concerning another matter and they disclosed that I stilled owed $40.00. I stated I paid it on the 8th of July, but they said it was still showing in their records. Contacting NCO they said I needed to contact [redacted]. I told the CSRep I did not want to get a runaround for something that was paid and that they were to contact their client about. I am now getting the runaround by both [redacted] and NCO!Desired Settlement: I would like this bill showed as paid, I would like a statement showing it paid, and that NCO contacts both [redacted] and the credit bureau stating payment. NCO is a predatory company who only desires payment, yet does not fulfill their part in closing accounts.!

Business

Response:

August 26, 2014Dear [redacted]:I acknowledge receipt of the August 19, 2014 complaint for the above matter. Please be advised that NCO has closed as paid the above 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 consumer'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 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 yours,Cathy BConsumer Affairs Team Lead

Review: Billed 2x [redacted] violations which were cleared up with [redacted] they have 2 reports on same account 211 then fees next month 213. Paid fix this on credit

I was charged on a car that someone borrowed, which was on my account but went through without [redacted]. As soon as I found out I cleared this with [redacted] who had someone else car information in my account. After hours of fixing this and paying a fee and tools close to 70.00 all should have been cleared with NCO. However they kept calling and saying too bad you should not have paid them you have to pay us or we will report you which they did in the amount of 211. Then [redacted] said they would take care of it. Then the next month I was charged a 2 dollar late fee and NCO reported a 213 balance again to my report the very next month. Two collections two different amounts .... One paid bill with [redacted]. This is a joke ! Fix this from my credit report !Desired Settlement: Error on collection status on my credit report!

Business

Response:

August 4, 2014Dear [redacted]:I acknowledge receipt of your July 29, 2014 complaint from the above-referenced consumer regarding the above-referenced accounts. In response to [redacted]’s request for validation, enclosed please find the materials we received from the creditor that corresponds to the above-referenced accounts.Please be advised that we have contacted the credit bureaus with which we do business, with our request to. delete our listing of the above-referenced accounts from your credit profile; however, because the consumer’s 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 effect a chance to how any other company or entity may have listed the accounts on [redacted]’s credit.Please note that the above-referenced accounts remain open in NCO’s system. [redacted]’s accounts have been transferred to a special collection unit. Please advise [redacted] to contact Tara P[redacted] at ###-###-#### relating to the accounts. [redacted] may also contact the [redacted] at ###-###-#### relating to her 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.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: I have received numerous harassing phone calls from NCO Financial Systems Inc. about my sister. My uncle and grandmother have also been receiving numerous harassing phone calls trying to get in touch with her. The company stated that she gave them our number as one to get in touch with her, which is a lie. I and all the family members listed above have repeatedly asked them to stop calling us, but they still persist. Here is a list of my complaints 1) they never say the company they are calling from and refuse to say when asked. I know they cannot talk about her personal matters, but that is not what I was asking. I simply asked what company they work for 2) whether they are buying our phones numbers or what, I dont know, they are getting family member phone numbers in a way im sure is not legal 3) they are extremely rude right from the beginning of the phone call 4) they still call even when told not to 5) every time they call, when they ask for my sister, they never say her last name - only her first which is really strange. I and other members of my family are tired of getting these calls and are tired of getting yelled at by complete strangers. and the biggest complaint 6) this company has NO reason to be calling my sister - she has no debts that need to be collected.

Business

Response:

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

thank you

Review: -Calling all hours of the day and night. Incessant calling despite compliance with payment program

-Abusive customer service people. Rude, vague answers

-When I called to request a website to set up direct deposit, they were shady telling me "just give me your bank account number"

-When I called to obtain balance on the account to pay off, I was told they could not give me an "exact amout"

-When I requested payment coupons, I was told to "just give me your bank account number"

-Excessive waits on hold

-When I requested a detailed pintout of my account, I was denied.

-I have paid this account off in full and I sent by certified mail because this business is unethical.Desired Settlement: Stop contacting me.

Provide me with a receipt and a letter stating the account was paid off and closed

Business

Response:

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

thank you

Review: Placed a $7336 collection onto my credit report without any prior notification. I have never received a single notice from this collection agency in regards to this debt.Desired Settlement: Remove the error you've placed onto my credit report.

Business

Response:

October 22, 2014Dear [redacted]:I acknowledge receipt of the October 17, 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. 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; a 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.fic.gov; by phone at 1-877-FTC-HELP; or by mail at 600 Pennsylvania Ave., NW, Washington, DC 20580. If you want information about your rights when you are contacted by a debt collector, please contact the FTC online at www.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

Consumer

Response:

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

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

Date: Wed, Oct 22, 2014 at 4:00 PM

Subject: Fwd: Complaint #[redacted]

To: [redacted] <[redacted]>

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

From: [redacted] <[redacted]>

Date: Wed, Oct 22, 2014 at 3:05 PM

Subject: Complaint #[redacted]

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

Please add the following info to complaint # [redacted]

Here's a photo of their reporting.

Here's the personal info they put in their reporting (erroneous address)

Acct: [redacted]

Amount: $7413

Original creditor: [redacted]

Review: I received a bill in the mail from NCO Financial Systems, Inc. with hardly enough information on it to know what it was for. I assumed it was for a hospital stay that I had in June at [redacted] Hospital in [redacted], NH. This is because the only bit of information that was listed on this collections notice was that the creditor was "[redacted]."

The amount of the bill was for $1,120.00. I called NCO Financial Systems, Inc. in February to tell them that I have had insurance with [redacted] and that they should have billed them. They told me that they did bill them so I tried figuring out why [redacted] never received a claim. [redacted] told me to have NCO bill the behavioral health department rather than medical. NCO told me they would send the bill out to the behavioral health department for [redacted] which I had provided an address to them. I then left for college and was not able to follow up on this. I assumed it would be taken care of.

At this point, I was never informed that this had been "affecting my credit" since March of 2014.

On June 3, 2014 I spoke with an NCO rep on the phone and they told me that this has been affecting my credit all this time and that [redacted] (my insurance company) has never replied to their claim.

When I contacted my insurance on June 4, 2014, they told me they *never received any claim-- neither the main insurance medical departments NOR the behavioral health departments!!*

I believe that NCO is sending me scam mail trying to get money from me. If they really do have a supposed bill from [redacted] then they should have been billing the hospital directly and I was never responsible for this bill! This is what my insurance company told me ([redacted]).

I would like to be taken off NCO's call list as well as their mailing list!!! Also, if they affected my credit, I will need to figure out how to do that. If that is something they do then they will need to do that for me.Desired Settlement: I would like to be taken off of NCO's call list as well as their mailing list. I would also like ANY negative information to be taken off of my credit report for this bill.

Business

Response:

June 12, 2014Dear [redacted]:I acknowledge receipt of your June 4, 2014 letter for the above consumer. Please be advised that NCO has closed the abovereferenced account 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.We have taken the information the consumer has provided to us very seriously and appreciate your efforts in bringing her concerns to our attention. Let us state at the outset that it is not the policy or the practice of this company to engage in unfair, deceptive or misleading practices. Nor are such occurrences tolerated. Our employees are trained and are also regularly monitored for compliance purposes. Please assure the consumer that her comments have been thoroughly reviewed and have not been taken lightly. Should it be found that a collector violated NCOs policies and procedures relating to the handling of this account, the collector will be disciplined and retrained regarding NCOs policies and procedures.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,

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,

Kristen [redacted]

Review: I had a collection account through NCO Financial. It has been on my credit report for 6 years in the amount of $737. Myself and NCO Financial agreed on a settlement amount of $537. I made two payments, one on 10/18/13 ($200) and the 2nd on 10/24/13 ($337). This was through multiple phone calls of being transferred. I looked at my bank statement a day later and they received all payments plus they double charged my $337 payment for a total of $674. I paid $874 on a bill I only owed $737 for. I called them for reimbursment and they stated I could fax my bank statement for verification after they already told me I overpaid by $137, and it will take up to 30 days. I am not satisfied that this company is able to double charge me without my consent and then when they tell me yes they did it, it will take 30 days to get my money back. Ive also called them for a recipt stating I paid in full. They say they dont know what happened after the first person tells me 24-48 hours via fax. I call back and they say it'll be another 24 hours. Ive tried to contact this comapny through email also with no answer. Im affraid they are giving me the run around.Desired Settlement: I would like my money back. I would also like a receipt for my payment showing paid in full.

Business

Response:

November 7, 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). Creditor(s)

Account No.: [redacted]

Dear **. [redacted]:

I acknowledge receipt of the November 1, 2013 complaint for the above matter. Please be advise that NCO has closed the referenced account as paid in our office. Please note that we have contacted the credit bureaus, with which we do business, with our request to update our listing of the above-referenced account as paid from [redacted]’s credit profile for the social security, number we have listed in our records. NCO Financial Systems, Inc. cannot affect a change to how any other company may have listed the above account on [redacted]’s credit profile. It is NCO's intent not to have any further communication with [redacted] in reference to the above account.

For further inquiry please contact [redacted] relating to the above account. Please note that NCO has confirmed that the client has issued a refund to the consumer.

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

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

Consumer Affairs Team Lead

Review: This company has repeatedly attempted to call me (on an unlisted cell phone number) after being sent three "cease and desist" letters, via U.S. Mail, the latest being as recent as 08/05/2013. They have also attempted to contact me by calling my wife's unlisted cell phone number and by U.S. Mail. They call multiple times, during the day, and call at all hours. They do not identify themselves appropriately, they do not say what they are calling for, and they do not identify themselves when I attempt to call them back.

I have explained to this company, in my last letter, that my wife and are now permanently disabled due to chronic health conditions. My only income is Social Security Disability and I can barely afford food, shelter, and my medical care. So, suffice to say, I do not have enough income to barely survive.Desired Settlement: I would like this company to stop contacting me on this or any future matters.

Business

Response:

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

thank you

August 19, 2013

Dear **. [redacted]:

I acknowledge receipt of the August 13, 2013 complaint for the above-referenced consumer. Please be advised, NCO has placed the referenced accounts 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]. [redacted] in reference to the above accounts.

Please be advised that the account balance may be periodically increased due to the addition of accrued interest or other charges as provided in the agreement with the original creditor or as otherwise provided by state law.

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 has filed two separate collections accounts for one account on my credit report. This is fraudulent and unethical. This has created undue hardships for me and my ability to obtain employment because of this action. They are required to take down one or the other account as this is all one account and doesn't change from time to time because they want to do so.Desired Settlement: REMOVE THE SECOND COLLECTION ACCOUNT FROM CREDIT REPORT IMMEDIATELY

Business

Response:

Please see attached response letter for [redacted]. Ref#[redacted]

Review: I received one statement from NCO Financial Systems. With that statement I sent a payment. I have not received any statements since. I did however send in a 2nd payment with a note asking them to send another statement. I assume this business is a legitiment debt collection agency, and I do not deny that I had a collection due to [redacted]. However, without receiving montly statemtents (even after contacting them 3 times asking for them to be sent) I don't know if they are applying my payments to my account. They have cashed both checks that I sent. The first and only bill I received from them was in April 2013. I mailed a check on 4/8/13. I was waiting for another statement in May but gave up and sent another payment in on 5/17/13 with a note asking for bills to be sent. On June 15th I only sent a letter, I did not send a check again asking them to send statements. I aked them in that letter to at least acknowledge my letter with a letter from them or a phone call. I did place a phone call in May asking them to send statements. I was told they would "see what they could do." I am also for some reason unable to access my account online which I mentioned in the letter. If I could see the dwindling balance online I would feel better. But for some reason, after logging in the first time with the access code they gave me, I cannot get in. I refuse to pay a "convience fee" of $12.50 to pay online, which is why I mailed my payments.Desired Settlement: I want montly statements to be mailed to me so I can see they are applying my payments to my debt. If they refuse, I would like my debt transferred to a different collection agency that wouldn't have a problem sending monthly statements with an updated balance due. Another alternative that I would be happy with is being able to pay [redacted] directly. I did try this by going to my account with [redacted] online, but that balance was $0 so I could not make a payment.

Business

Response:

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

thank you

Review: I looked on my credit report and it showed a charge from NCO Financial Systems, Inc for services rendered not by myself...Shows reported date of September 14, 2011 and never had I received anything concerning this services. Tried getting ahold of NCO with no luck...Would like this resolved as soon as I can... Thank you...Desired Settlement: Would like this matter resolved and taken off my credit report...It is messing up my life and my credit...Thank You....

Business

Response:

July 22, 2014Dear Ms. Vaghari: I acknowledge receipt of your June 26, 2014 letter for the above consumer. 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.Further inquiries regarding the above account may be directed to [redacted] at ###-###-####. 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 B[redacted]Consumer Affairs Team Lead

Review: After receiving rude calls from NCO Financial Services regarding a student loan, I contacted [redacted] on the week of March 4, 2013. I had been in contact with since December 2012 regarding an upcoming surgery on my cervical neck. I was unable to work due to a herniated disc in my neck and needed an ACDF surgery. I graduated from from a 4 year college in May 2012 with a Bachelors of Science in Nursing. I then began working at a hospital in [redacted]. I called [redacted] as soon as I found out I would be unable to work to try and set up deferment during my time off. I filled out multiple (3 or more) forms regarding a deferment and received confirmation of approval. It was not until the week of March 4, 2013 that I learned I had 2 loans. One was approved for deferment and the other was a private student loan through [redacted]. I was then told I did not qualify for deferment on the private loan due to not having paid 9 consecutive months prior to application. My loans were not due yet and I had just graduated, so this is the typical. Most students do not need to pay for a specified time after graduation or until the loans become due. I will also be filing a complain against [redacted] and [redacted] do to misleading and wrong information. However, my complaint with NCO financial services is the rude nature they addressed both my husband and I. I have told them in the past that I am recovering from surgery (on a 5-10 pound weight limit), unable to work, my husband just lost his job last month, and we are living with my parents trying paying what we can to feed us and our daughter. I have explained this is temporary. Today, March 15, 2013, [redacted] (from NCO) contacted my husband stating we are 35 days past due. He said this has been reported on our credit reports and that they have no record of my payment I made last week. I have a confirmation number and statements from my bank regarding the payment I made the week of March 4, 2013. My husband stated he would not listen to him regarding the point that I made a payment last week. I then called back right away due to the fact my husband is very upset this has been reported. I was told this would not be reported by AES representatives during the phone call I made the payment. I spoke with [redacted] who gave me a last name of [redacted]. I am not sure if that is a valid last name as she hesitated giving it. She told me she was a floor supervisor. She was very rude as soon as she got on the phone. She spoke over me the entire conversation, raised her voice, and had horrible customer service skills. I ended up telling thank you and hanging up. I cannot speak with anyone who is yelling over me and not allowing me to explain the situation or my frustrations. The people whom I've spoken to this morning have provided no valid information that can help my situation. I ended up calling [redacted] because they are at least not rude and allow me to ask questions.Desired Settlement: My desired outcome is a solution to this problem regarding my husbands and my credit reports. I would also like the customer service representative to be better trained regarding their jobs and information they are communicating to people. I will no longer answer calls from this company due to their rude communication (lack of ethics/skills). They stated I am currently 35 days past due when I was told I was told I had 28 days to make another payment before it was pulled into collections. I need a resolution. I am a hardworking citizen who had a medical issue involving surgery, making me unable to work. I tried to do what I needed to do to avoid negative/late payments and have received no help, information, or even consideration with this company.

Business

Response:

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

thank you