EGS Financial Care, Inc

Review: NCO Financial Systems contacted my employer trying to collect part of my wages for an outstanding student loan on behalf of [redacted]. My employer notified me before acting upon this request so I could look into the situation because it made no sense since I pay my loan to [redacted] on time every month. Not only did NCO contact the wrong employer, but they tried to collect from the completely incorrect person. This person they were trying collect debt from has the same first name as me but a different middle initial, different last name, different social security number and different address!

They obviously didn't do their homework before sending out requests to employers asking for money. Not to mention they sent out documents with very personal information on them about the lady they are trying to collect money from.

Their solution to the problem was to collect MY personal information to put on file so they didn't make the same mistake again. Of course I didn't give it to them, but it shows their lack of knowledge about their field of work and lack of professionalism. The only thing they said they could do was to write down my employers phone number so they didn't call again. What a joke. This company should be put out if business.

Stop putting innocent people through your debt collecting scams.Desired Settlement: They need to change their investigations into the people they need to collect money from. Trying to collect from people with completely different names, addresses and other personal information is sloppy and unacceptable.

Business

Response:

May 13, 2014Dear **. [redacted]:I acknowledge receipt of the April 15, 2014 complaint for the above referenced consumer. We have noted our records that [redacted]’s place of employment is not the correct contact for the individual we are attempting to locate. It is NCO’s intent not to have any further communication with [redacted] or her place of employment in relation to the above matter.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: In June of 2010, I received a negative tradeline on my Experian and Transunion credit reports from NCO/[redacted] reflecting a payment due of $137. I have since paid that on 11/3/2013. NCO/[redacted] has failed to give me proof of payment nor has they reported this payment to the credit bureaus. There was obviously no point in me paying if it is going to continue to be reported as unpaid to the bureaus. They were paid in full, no settlement via credit card. This was not what we agreed upon,Desired Settlement: I want them to report this item satisfactorily to the credit bureaus as paid in full or remove this item from my reports. I did my part, now it's time for them to do theirs.

Business

Response:

December 19, 2013

Dear **. [redacted]:

I acknowledge receipt of the December 16, 2013 complaint for the referenced consumer. Please be advised that upon the clearance of funds, NCO closed the referenced account as paid in our office. It is NCO's intent not to have any further communication with [redacted] in reference to the above account. .

In addition, please be advised that we have contacted the credit bureaus that we1 do business'with, with our request to delete our listing of the above-referenced account from [redacted]s credit profile for the social security number we have listed in our records. Please be advised that NCO Financial Systems, Inc. cannot affect a change to how any other company may have listed the above account on [redacted]'s credit profile.

Federal and state law 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,

Review: my compliant is against NCO Financial Syste**,Inc. They are contuning to bill me for a bill that has been payed over 2 years.They repeatly keep placing it on my credit report. And call me repeatly.I have spoken to the [redacted] and they have told them that bill has been paided.To remove it from their files.The amount of bill was for 51.00 Dollars.this is causing my credit score to be low.The Name of the other company on the Bill is The [redacted].ATTN: [redacted]Desired Settlement: To notify Company of Complaint.To remove the Debt.Or stating payed in Full over 2 and half years ago.

Business

Response:

Dear **. [redacted]:

I acknowledge receipt of your January 3, 2014 complaint regarding to the above referenced accounts. Please be advised that the above-referenced accounts are closed in our office. Further inquiry regarding accounts [redacted]-(0)-[redacted], [redacted]-(1)-[redacted], [redacted]-(2)-[redacted], [redacted]-(3)-[redacted], [redacted]-(4)-[redacted], [redacted]-(5)-[redacted], [redacted]-(6)-[redacted], [redacted]-(7)-[redacted], [redacted]-(8)-[redacted], [redacted]-(10)-[redacted], [redacted]-(11)-[redacted], [redacted]-(12)-[redacted], [redacted]-(13)-[redacted], [redacted]-(14)-[redacted] and [redacted]-(15)-[redacted] may be directed to [redacted] and for account [redacted]-(9)-[redacted] may be directed to The [redacted]

In addition, enclosed please find the payment history for 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 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.

We appreciate the opportunity to respond to your inquiry.

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:NCO did not post my payment correct.nor did NCO place clearly what is being report on my credit report.I contract my bank to receive copy of my trasnaction. That I may send to you showing 62.00 a month for 3 month auto bill pay.I felt I had gotten their trust I began to mail them 50.00 amonth so I could save 12 dollars that they charge for using auto bill pay. I would like them to show on my credit report payed as agreed and on time. also state account closed paided in full.

Regards,

Business

Response:

Dear **. [redacted]:

I acknowledge receipt of your February 6, 2014 follow-up complaint regarding the above referenced accounts. As you are aware, all of the above referenced accounts have been closed and returned. Please be aware that [redacted] placed **. [redacted]’s account with NCO for collection on September 19, 2011. At no time did NCO receive funds from **. [redacted] related to her account with [redacted]. Per the client’s request, NCO closed and returned **. [redacted]’s account on November, 16, 2011. NCO was not provided a reason for this request. Please note that NCO and [redacted] have terminated their relationship and NCO is no longer handling their accounts. If **. [redacted] has questions or concerns regarding credit for payment on her account with [redacted], she must contact them directly.

As you are further aware, NCO was credit reporting the lead account, [redacted], however on December 22, 2013 we contacted the credit bureaus, with which we do business,, with our request to delete our listing of the referenced lead account from the consumer’s credit profile for the social security number we have listed in our records. Please note that NCO cannot effect a change as to how any other company may have listed the. identified account on the consumer’s credit profile.

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

We appreciate the opportunity to respond to your inquiry.

Very truly yours,

Review: I have not received anything validating these charges.

I would like these charges removed from my credit report, I was not aware of this on my credit report. I would like validation of these charges.Desired Settlement: If the charges cannot be validated I would like them removed from my credit report.

Business

Response:

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

thank you

Review: I was contacted February 24th 2013 by a male who refused to tell me his name and only said he belonged to NCO services. I have recently found out that [redacted] regularly sells their customers Debt to NCO group for collections within 90 days of soldiers leaving the military. now NCO group has confiscated my entire Tax Refund as a means to collect on a debt that I was told both verbally and on paper that I had 36 months to pay. I have never heard of this company before nor do I know if they legally stole my refund.Desired Settlement: I wish to have a full itemized list of full debt, all fees and charges, and full amount that I supposedly owe. I will settle for no more than $7900 full payment and a full refund of my Tax Return. I will continue a sane, realist payment plan only after this is done.

Business

Response:

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

thank you

Review: I paid a student loan settlement for my son. I did not received a letter stating it was paid. The loan has been sent to another collection agency.

Around July of 2013,I paid off a settlement amount for my son's student loan which totaled about $4000. I noticed I did not receive a statement saying it was paid so I forgot about it. Sometime in Jan. 2014, I received a letter from an attorney, asking me to pay the same money I had paid last year. So I proceeded to get the statement saying it was paid. This is when my problems began. After numerous attempts to get the information, I told a person at NCO Financial that I was going to make a complaint. At that point, everyone at that office said they could no longer speak with me and gave me the name of a person in which I had to direct all of my inquiries. The name of the person was [redacted]. I tried for 2 - 3 weeks of calling and leaving messages for this person but I never spoke with that person. Finally I had a message from a [redacted] ?. I called her numerous times before finally speaking with her. She told me that the letter had been sent around the middle of February. So far I have not received the letter. All I am needing is a statement which says the loan settlement amount was paid in full so it can be forwarded to the lawyers requesting a settlement for the same loan that has already been paid.Desired Settlement: All I am requesting is a letter stating the loan settlement had been paid in full and for this information to be communicated with the attorneys who are calling me about this same loan and asking me to pay this same loan amount.

Business

Response:

May 7, 2014Dear [redacted]:I acknowledge receipt of your April 10, 2014 complaint regarding the above referenced consumer. Please be advised that NCO has closed the referenced account as settled 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 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, >

Review: My hospital bill was sent to collections. It was a bill from [redacted] for the amount of $1,301.00. I had been approved for financial aide since at the time of the hospital visit I was currently laid off from my job and without [redacted] insurance. I was approved for a program where I needed to provide a monthly share cost for the amount of $62.00 for any bills from that hospital for any services I received (if needed) from the dates of 02/01/2012- 07/31/2012. My hospital visit was on 2/21/2012. I am responsible for paying the amount of $62.00 to the hospital. I was also charges other fees in excess of $300+ from sources used outside of the hospital, and those were also paid by myself. I talked with an employee from NCO Financial. As requested by her I faxed over to her on 6/18/2013 a letter of dispute, a copy of proof of financial assisatnce (stating I owe only $62). She then took my payment over the phone for the amount of $62.00. She told me that she had received the fax including proof of what I owe, received the payment I owed, and that everything was taken care of.

To my surprise today 1/16/2014 I reviewed my credit report to find out that this account is still in collections for the whole amount of the original balance less the payment I gave them on 6/18/13. I was in the process of applying for a home loan and this collections account has greatly impacted my credit score and may ruin my chances for getting the loan approved. When I called NCO Financial today they looked up my account and showed that they had taken the $62, but there were no notes of me ever faxing any information over, no proof of the finacial assistance had never beeen received, that the account had ever been settled. I am beyond upset by there lack of professionalism, and that this was not a clerical error if she infact told me everything was received, noted, and taken care of. I was basically deceived and lied to, for a few dollars to be collected.Desired Settlement: I want this issue to be resolved and removed from my credit report immediatley. I plan to dispute this matter with the credit agencies and would like a letter from NCO Financial stating as proof that this was a mistake on their part and this account had been in fact resolved back in 6/18/2013

Business

Response:

February 17, 2014

Dear **. [redacted]:

I acknowledge receipt of the January 21, 2014 complaint for the referenced consumer. Please be advised that we have contacted the creditor with a request for validation of the above-referenced account. 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. We will forward any materials we receive as a result of our. request directly to the consumer for their review and consideration. 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 abovereferenced 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 consumer’s credit profile.

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

Our goal is to timely respond to your inquiry. If you have any questions during this interim time, please contact me.

Review: This company keeps calling me asking for a guy named [redacted]. They call my cell phone, [redacted], at all hours of the day and night. My name is [redacted], I inform them, and I ask them to remove my number from their system. They keep calling and I am considering this harassment. I am tired of this and IT MUST STOP.Desired Settlement: I want them to stop contacting me and a letter of apology.

Business

Response:

February 6, 2014

Dear **. [redacted]:

I acknowledge receipt of the January 31, 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; and, any other specific information relating to the consumer so that a full search can be completed.

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: NCO is attempting to collect a debt from me that does not exist. They are using fraudulent information to enforce this debt. I was a customer of [redacted] (acct#[redacted]). Beginning in January and a short time before, I began having problems with my interne connection. It would not stay connected or would be really slow. When I called tech support they would trouble shoot and it would be normal for an hour and then go back. Everyday it became worse but I continued to pay the bill. By March there was no service at all. A representative from [redacted] gave me the option to cancel the account because they had trouble transmitting in buildings made of brick. My service ended by April.

I lived in [redacted] then and moved to [redacted] in June.

NCO sent a collection letter to my sisters address. I lived with my sister in the 90's before moving to NY. I called [redacted] and they connected me to NCO. The representative proceeded to tell me I owed them money for up until June ($107). She said my last day of service was

in June at the address they sent the letter and ask me if I had proof that I ended my service in April. I have never had [redacted] in [redacted]. I called [redacted] back and they said I owed $35 and I cancelled June 15th. I don't owe them money the information they have is a lie.Desired Settlement: I want any negative reports off my credit report and possibly a refund for January, Feb, March and April.

Business

Response:

November 18, 2013

Dear [redacted]:

I acknowledge receipt of the November 13, 2013 complaint regarding to the above referenced consumer. Please be advised NCO has closed the referenced account in our office. NCO has not reported this matter on [redacted]'s credit profile. 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.

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 I-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: unkown company with the phone ####-###-#### has been calling me , my 90 year old mother and my brother in law and yelling at them about my 10 yr old credit card debt . my mother and brother in law would have absolutely nothing to do w this and I have never given out their phone # this shady collection company must have got them off the internet , this company who called me would not give me their name or name of the person . they would not give or send me any papers on this old debt or what is about , how can they call people who have nothing to do w this , they are not co signers or co anything, who is this company? when I called back and said im filing complaint they hung up on me . what can I do to stop harassment of 90 yr old mother yelling at my mother.Desired Settlement: stop all phone calls and get me further and complete information about this old debt and is it legal

Business

Response:

November 26, 2014Dear [redacted]:I acknowledge receipt of the November 13, 2014 complaint for the referenced consumer. Transworld 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; any other specific information relating to the consumer so that a full search can be completed; and the phone number that TSI may be calling.Federal and state law prohibit certain methods of debt collection, and require that we treat you fairly. If you have a complaint about the way we are collecting your debt, please visit our website at www.transworldpayments.com or contact the FTC online at www.ftc.gov; by phone at 1-877-FTCHELP; or by mail at 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: Transworld Systems, P.O. Box 15035, Wilmington, DE 19850.Very Truly

Yours,Cathy

BConsumer

Affairs Team Lead