EGS Financial Care, Inc

June 8, Dear *** ***:I acknowledge receipt of the June 1, complaint for the
referenced consumerPlease be advised Transworld System, Inchas closed the referenced accounts in our office as paidPlease be advised that TSI has not reported account *** on *** ***’s credit profileIn addition, we have contacted the credit bureaus, with which we do business, with our request to delete our listing of account *** from *** ***’s credit profile; however, because *** ***’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 notifiedTSI cannot effect a change to how any other company orentity may have listed the accounts 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.transworldpayments.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 matter.Thanking 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:
*** *** didn't even address the complaintAll she said was that the issue has been handled with the credit bureaus, which I stated in my original complaintThe problem I had with this company was getting to the point of conclusion, the weeks it took to get them to follow up on what they agreed to do, and their repeated ignoring, transferring, and disconnecting of the calls requesting them to do soHer letter was a brush off, just as I have previously experienced with this company, and it says nothing of the problems I am bringing to lightWhat I want is an admittance that my financial adviser and I shouldn't have been treated in the disrespectful and unprofessional manner NCO seems to find as acceptable business practices, and an apology for the egregious behavior.
Regards,
*** ***

October 3, 2014Dear *** ***:I acknowledge receipt of the September 5, complaint for the above matterPlease be advised that NCO has closed the referenced account in our officePlease note that we have contacted the credit bureaus that we do business with, with our request
to delete our listing of the above-referenced account from the consumer's credit profileHowever, because the consumer’s full social security number was not provided to us, we will be uncertain as to whether our request will be accurately processed by the agencies notifiedShould you have any information that will assist us further, please contact the undersignedNCO Financial Systems, Inccannot affect a change to how any other company may have listed the above account on the consumer’s credit profileIt is NCO's intent not to have any further communication with *** *** *** in reference to the above accountFor further inquiry, please contact *** at *** ** *** *** ** *** ** *** relating to the above account.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.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

May 28, 2014Dear *** ***: -I acknowledge receipt of May 15, complaint for the above reference accountPlease be advised that NCO has located and reviewed the account that *** *** reference in his complaintThis account is for a consumer who shares his first and last
namePlease note that NCO does not believe that this is a case of identity theftAfter reviewing all of the information on file as well as the information that *** *** have provided, NCO has confirmed that *** *** with a social ending in *** is not the responsible consumer for this accountPlease note that NCO submitted the information that NCO had on file as current personal information for the responsible consumer to the credit bureausIt appears that the account was mistakenly listed on *** *** credit profile. Please note that NCO has submitted a request to the credit bureaus to remove this account *** *** credit profileNCO requests that *** *** allow an appropriate amount of time for the bureaus to process the deletionIn addition, NCO has also removed the contact information on file for this account and updated the account to prevent communication with *** ***NCO will not initiate any further communication with *** *** regarding this accountNCO apologizes for any inconvenience that he may have experienced relating to this matterShould 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

May 22, Dear *** ***:I acknowledge receipt of the May 1, complaint for the above referenced consumerPlease be advised, NCO and *** *** had entered into a rehabilitation agreement on August 1, 2012; at that time NCO notified *** *** of the necessary
paperwork he needed to supply in order to complete his rehabilitation agreementAccording to the parameters of the rehabilitation agreement, *** *** needed, to make monthly payments until the completion of rehabilitation agreementPlease note, since entering into the rehabilitation agreement, NCO has notified *** *** numerous times to supply the required paperwork in order to complete the rehabilitation agreementAccording to NCO records, NCO has not received the necessary paperworkPlease note that *** ***s last payment was on September 18, 2013; therefore terminating his rehabilitation agreementPlease advise *** *** to contact *** *** at ###-###-#### in order to setup a new rehabilitation agreement.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 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.govShould 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,

July 2, 2014Dear *** ***:
I acknowledge receipt of your June 24, letter for the above consumerPlease be advised that NCO hasclosed the abovereferenced account in our officeIt is NCOs intent not to have any further communication with *** *** 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 *** ***s credit profile for the social security number we have listed in our recordsPlease be advised 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.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 matterThanking you for your cooperation, I remain,Very truly yours,

July 21, 2014Dear *** ***:I acknowledge receipt of your July 11, letter for the above consumerI understand that *** *** *** has requested that NCO cease calling him regarding the above-referenced account that has been placed withNCO for collectionPlease be
advised that NCO has removed *** *** ***'s telephone number(s) from itssystem, NCO will place no further calls to *** *** *** relating to the above account- - In addition, please be advised that we have contacted the credit bureaus that we do business with, with our.request to delete our listing of the above account from the consumer’s credit profile for the social securitynumber we have listed in our recordsPlease be advised that NCO Financial Systems, Inccannot affect a change to how any other company may have listed the above account on the consumer’s credit profile.Please note, the account remains open in NCO's systemPlease advise *** *** *** to contact Tracey M*** at ###-###-#### to set up payment arrangements- -Federal 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.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 matterThanking you for your cooperation, I remain,Very truly yours,Cathy BConsumer Affairs Team Lead

I did receive a letter from TransWorld Systems indicating they have removed my address from the nonpayment account. It is my understanding that it is recognized that I am not the responsible party. Thank you for your help
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,
*** ***

Created a hard inquiry on my Equifax credit bureau and I gave NO authorization to do so I would like to have it removed immediately

February 11,
Dear ***:
We are in receipt of your February 5, for the referenced consumerPlease be advised that NCO has closed the referenced accounts in our officeIt is NCO's intent not to have any further communication with *** *** in
reference to the above accounts
Federal 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.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.flc.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,

September 29, 2014Dear *** ***:I acknowledge receipt of the September 19, complaint regarding the above referenced matterPlease be advised that the above account is closed in NCO’s systemFor further inquiry please contact *** Medical Center at *** *** *** *** ***, CA *** **
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.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

[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,
*** ***

[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: NCO have not taken care of the full issueOut of the two records, one record is taken care while the other account is still showing incorrectly under my credit reportThey need to remove the 2nd account as well
Summary: I moved from TN to KS, the service provided kept sending the two bills to my old addressFinally the bills were handed over to NCONCO did not do a good job contacting me - instead submitted the records to credit agencies and closed the account - this is reflecting negative on my credit record
Note: Since I have checked my credit report, I contacted the service provider and paid the two bills 100% Regards,*** ***

October 11, 2017Dear *** ***:I acknowledge receipt of the October 10, 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 *** ***, P.OBox ***, Orlando, FL ***.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 W.Manager, Operations & Compliance Support

May 14, Dear ***:I acknowledge receipt of your May 6, letter for the above consumerPlease be advised that the account is closed in our officeIt is NCOs intent not to have any further communication with *** *** 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 abovereferenced account from the consumers credit profileSince the consumers 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.Federal 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.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 matterThanking you for your cooperation, I remain,Very truly yours,

thank you

November 11, 2014Your Reference No*** Complainant: *** *** Our Reference#: ***, ***Dear *** ***:I acknowledge receipt of the October 15, complaint for the referenced consumerPlease advise *** *** to forward a signed authorization to release
information to him executed by *** ** *** regarding the above-referenced account.Until such information is received, we cannot proceed with the research regarding this complaintPlease forward the requested information to the attention of the undersigned at: Transworld Systems Inc., Prudential Road, Horsham, PA 19044.Please contact my office directly if you have any questions.Very truly yours,
Cathy B
Consumer Affairs Team Lead

May 12, 2016Dear *** ***,In response to the letter of complaint received by NCO Financial Services, Inc., I have investigated the complaint made by *** *** *** *** is accurate in his statement that he is receiving calls pertaining to an old debt that he had incurred and that the
debt has fallen off the Credit Bureau, this fact does not remove his obligation towards our clientIn addressing the concerns brought forward by *** *** of being contacted by NCO for a period of nine plus years, his allegations of harassing calls and the expiry of the debt due to the statute of limitationsI can confirm that the account was assigned to NCO on July 29, 2015; contact was never established with *** ***The fact that the account has been with NCO for less than one year and we have had no contact with the consumer, it is impossible for NCO to have been responsible for the claims of harassing calls or for handling the account for the duration of time stated in the complaint.NCO’s collection efforts in pursuing the recovery of this debt as it relates to the statute of limitations is based on legal advice provided to our organization for the province of Ontario and the fact that the consumer has an Ontario address on recordOur understanding is that while legal action can no longer be commenced as per the Ontario limitations legislation as applied to contractual debt obligations arising in Ontario, the underlying monetary obligation is not itself extinguished and collection efforts can continue thereafter in the form of letters and calls.To further clarify, is *** *** stating that he is not prepared to make arrangements to settle this file and requesting that our client absolve him of this debt? If so, he will have to communicate this request in writing.Please do not hesitate to contact me should you wish to discuss or require any clarification concerning the information provided.Sincerely,Marcelle L

July 21, 2014Dear ***:I acknowledge receipt of your July 15, letter for the above consumerPlease be advised that NCO has searched its databases using the information supplied by the consumer and was unable to identify the specific account that is the subject of the
consumer's complaint.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 completedIn order to further investigate the complaint, NCO requests that *** *** forward a copy of his/her most recent credit report displaying NCO’s listing.Federal 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.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.Until such information is received, as noted, we cannot proceed with the research regarding this complaintPlease forward the requested information to the attention of the undersigned at: NCO Financial Systems, Inc., P.OBox 15035, Wilmington, DE 19850.Very truly yours,

May 13, 2015Dear *** ***:I acknowledge receipt of the May 6, complaint for the referenced consumer*** 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 completedIn order to further investigate the complaint, TSI requests that *** *** *** provide us a copy of her most recent credit report displaying TSI’s listing.Federal 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 https://www.transworldpayments.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.Until such information is received, as noted, we cannot proceed with the research regarding this complaintPlease forward the requested information to the attention of the undersigned at: *** Systems, P.OBox ***, Wilmington, DE ***.Very truly yours, Cathy B.Consumer Affairs Team Lead