EGS Financial Care, Inc

The reason I rejected this is because if they claim it is not in there office then why are they calling me everyday nonstop? That shows they are collecting on a debt that they claim is not in there officeAt this time I would like a formal letter sent to my home that provides proof that they will no longer collect on this accountI will also be contacting FTC about this as well So at this time no more contact to my phone at all.[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 as Answered]
Complaint: ***
I am rejecting this response because:
Regards,
*** ***

Dear ***:I acknowledge receipt of the May 19, follcomplaint for the above referenced consumer***’s accounts have been placed in a status to prevent further collection activity by NCOHowever, to further dispute the claim, *** needs to contact the US Department of Education via https://www.mveddebt.com/borrower/InfoCenterDisputeMainPageAction.actionFrom this page *** will find information regarding:The loan records I have seen show my SSN, but the name shown as borrower is not my name and I did not sign a promissory note for this loan.In order to prove that you are not the person who received this loan, you will be required to show U.SDepartment of Education (Department) representatives proof that you are not the individual identified on the loan recordsThis evidence typically includes samples of your signature and photocopies of the following: '• Your Social Security Card. . '• Your Driver’s license or government-issued ID card• Your Passport or Birth CertificateThe loan records I have seen show a name that is the same as mine, but the SSN shown as that of the borrower is not my SSN and I did not sign a promissory note for this loan.In order to prove that you are not the person who received this loan, you will be required to show Department representatives proof that you are not the individual identified on the loan recordsThis evidence typically includes samples of your signature and photocopies of the following:• Your Social Security Card• Your Driver's license or government-issued ID card• Your Passport or Birth CertificateThis loan has my name and SSN, but I did not sign a promissory note for this loan.To prove that the promissory note was forged, you will be required to submit examples of your signature from around the time that the loan was made (e.g., from tax returns for that year, driver's licenses issued at that time, cancelled checks that you wrote at that time)Alternatively, you can provide proof that you did not attend the school for which the loan was made (e.g., proof that you were living, employed or enrolled in school elsewhere at that time)Lastly, if you are unable to provide such proof, you can provide a report from an independent handwriting expert to support your claim.In the event that your office should forward this letter to the consumer: This is an attempt to collect a debtAny information obtained will be used for that purposeThis is a communication from a debt collector

July 22, 2014Dear MsVaghari:
I acknowledge receipt of your June 26, letter for the above consumerPlease 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 lawsThese materials have been forwarded to the consumer.Further inquiries regarding the above account may be directed to *** *** 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 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 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, Cathy B***Consumer Affairs Team Lead

September 18, Dear *** ***:I acknowledge receipt of the August 25, complaint regarding the above referenced matterSince 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 lawsThese materials have been forwarded to the consumerWith the supplied information being forwarded to the consumer, I consider this matter concluded.Please be advised, NCO has placed the referenced account in a restrictive status to prevent further collection activity in our officeIt is NCO's intent not to have any further communication with *** *** *** in reference to the above accountPlease contact Shara V*** directly at *** to make payments.Federal and state law prohibit certain methods of debt collection, and require that we treat you fairlyIf you have a complaint about the way we are collecting your debt, please visit our website at www.ncogroup.com or contact the FTC online at www.ftc.gov; by phone at 1-877-FTC-HELP; or by mail at Pennsylvania Ave., NW, Washington, DC If you want information about your rights when you are contacted by a debt collector, please contact the FTC online at www.ftc.gov.Please call me with any questions.Cathy BConsumer Affairs Team Lead

August 21, 2014Dear *** ***I acknowledge receipt of the July 28, complaint for the above matterSince 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 lawsThese materials have been forwarded to the consumer.I understand that *** *** has requested that NCO cease calling him regarding the above referenced accounts that have been placed with NCO for collectionPlease be advised that NCO has removed *** ***'s telephone number from its systemNCO will place no further calls to *** *** relating to the above referenced accountsPlease note, the accounts remain open in NCO's systemPlease advise *** *** to contact Tracey M***, toll-free at ###-###-#### relating to the accountsIn the event that your office should forward this letter to the consumer: This is an attempt to collect a debtAny information obtained will be used for that purposeThis is a communication from a debt collector.Federal and state law prohibit certain methods of debt collection, and require that we treat you fairlyIf you have a complaint about the way we are collecting your debt, please visit our website at www.ncogroup.com or contact the FTC online at www.ftc.gov; by phone at 1-877-FTC-HELP; or by mail at Pennsylvania Ave., NW, Washington, DC If you want information about your rights when you are contacted by a debt collector, please contact the FTC online at www.fic.gov.With the supplied information being forwarded to the consumer, I consider this matter concluded.Very truly yours,
Cathy B

July 9,Dear *** ***:I acknowledge receipt of the June 30, complaint for the above referenced accountPlease 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 *** ***’s credit profile for the social security number we have listed in our recordsNCO Financial Systems, Inccannot-affect a change to how any other company may have listed the above account on *** ***'s credit profileIt is NCO's intent not to have any further communication with *** *** in reference to the above account.For further inquiry please contact *** *** *** *** ** *** *** *** *** ** *** *** 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,

May 20, 2014Dear *** ***:I acknowledge receipt of your April 28, complaint from the abovereferenced consumer regarding theabovereferenced accountsPlease be advised, NCO has placed the abovereferenced accounts in a restrictive status to prevent further collection
activity in our officeIt is NCOs intent, not to have any further communication with *** *** in reference to the above accounts.Federal and state law prohibit certain methods of debt collection, and require that we treat you fairlyIf youhave a complaint about the way we are collecting your debt, please visit our website at www.ncogroup.com or contact the FTC online at www.ftc.gov; by phone at 1-877-FTC-HELP; or by mail at 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,Very truly yours,

May 13, Dear *** ***:
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 listingFederal 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.govUntil 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 BConsumer Affairs Team Lead

September 26, 2014Dear *** ***:I acknowledge receipt of the September 22, 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.Please be advised, NCO has located two possible accountsThese accounts are currently closedIn 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; 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 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.govUntil 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 Very Truly
Yours,
Cathy BConsumer Affairs Team Lead

February 20,
Dear ***:
I acknowledge receipt of the February 5, complaint for the referenced consumer: Please be advised, NCO has closed the above account in our officeNCO has notified * * * *** *** of *** ***’s position
regarding the above accountEnclosed please find the materials we received from the creditors that correspond to the above-referenced accountsIt is NCO's intent not to have any further communication with *** *** in reference to the above accounts
Please note that NCO has not reported this matter on *** ***'s credit profileNCO Financial Systems, Inccannot affect a change to how any other company may have listed the above 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.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 16, Dear *** ***:I acknowledge receipt of the July 10, complaint for the referenced consumerPlease be advised that the telephone number ###-###-#### has been removed from the above-referenced accountIt is NCO’s intent not to have any further communication with
*** *** in reference to the above account, since *** *** is not the responsible consumer.Should I not hear from you within days, I will assume you have all information necessary to complete your investigation and close this matterThanking you for your cooperation, I remain,Very truly yours,

[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, *** ***

I acknowledge receipt of the March 5, complaint for the referenced consumerNCO 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; a copy of Mr***’s current credit report; 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 complaintPlease forward the requested information to the attention of the undersigned at: NCO Financial Systems, Inc., *** *** ***, Horsham, PA 19044.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-***; or by mail at *** *** *** **, 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 AWConsumer Affairs Production Manager

August 26, Dear *** ***:I acknowledge receipt of the August 20, complaint for the above referenced consumerNCO has closed the referenced account in our office as settledIn 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 *** *** ***s'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's credit profile.It is NCO's intent not to have any further communication with *** *** ***s in reference to the above accountWhile we have complied with federal law, factors beyond our control may prohibit us from confirming or denying the presence of inaccurate information within the time frame prescribed by state lawWe may not have sufficient time to complete an investigation of the alleged inaccuracyIn the event that your office should forward this letter to the consumer: This is an attempt to collect a debtAny information obtained will be used for that pFederal 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.stc.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,
Very/truly yours,Cathy B
Consumer Affairs - Team Lead

April 8, Dear *** ***:I acknowledge receipt of the April 2, follcomplaint for the referenced consumerPlease be advised that NCO has closed the above-referenced account as paid in our officeIt is NCO's 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-referenced account from the consumer’s credit profileSince the consumer’s social security number was not included in the complaint, we cannot be certain that our request will be accurately processed by the credit bureaus notified.We have taken the information the consumer has provided to us very seriously arid appreciate your efforts in bringing her concerns to our attentionLet us state at the outset that it is not the policy or the practice of this company to engage in unfair, deceptive or misleading practicesNor are such occurrences toleratedOur employees are trained and are also regularly monitored for compliance purposesPlease assure the consumer that her comments have been thoroughly reviewed and have not been taken lightlyShould it be found that a collector violated NCO’s policies and procedures relating to the handling of this account, the collector will be disciplined and retrained regarding NCO’s policies and procedures.This is an attempt to collect a debtAny information obtained will be used for that purposeThis is a communication from a debt collectorCalls to or from NCO Financial Systems, Incmay be monitored or recorded for quality assuranceStrictly Confidential- Proprietary Company Information - Not Subject to DisclosureFederal 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.govVery truly yours,

May 8, Dear ***:I acknowledge receipt of the April 24, complaint for the above referenced consumerEnclosed is the validation requested by *** ***These materials have also been forwarded to ***Please note, the accounts remain open in NCO's
system***’s accounts have been transferred to a special collection unitPlease advise him to contact *** ***, toll-free at ###-###-#### relating to the account.In the event that your office should forward this letter to the consumer: This is an attempt to collect a debtAny information obtained will be used for that purposeThis is a communication from a debt collector.Please be advised that the account balances may be periodically increased due to the addition of accrued interest or other charges as provided in the agreement with the original creditor or as otherwise provided by Federal law.According to our files, we have not reported the above-referenced accounts to a credit bureauPlease be advised that NCO Financial Systems, Inccannot effect a change to how any other company or entity may have listed the accounts on ***’s credit profile.While we have complied with Federal law, factors beyond our control may prohibit us from confirming or denying the presence of inaccurate information within the time frame prescribed by state lawWe may not have sufficient time to complete an investigation of the alleged inaccuracy.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,

September 3, 2014To whom it may concern;*** *** was eligible for Medicaid 10/1/with a spend downThis spend down was met for 10/and his Medicaid card was released for that month.It is the responsibility of the medical provider to bill Medicaid within days of the date of serviceIf the bill was not billed during that time then it is not the clients or Medicaid's responsibility to pay the billBills must be billed within the timely filing limits for Medicaid.Sincerely,*** ** *
Eligibility Referral Specialist

January 5, 2015Dear *** ***:
I acknowledge receipt of your December 8, complaint for the referenced consumerPlease be advised that TSI’s account notes do not substantiate your allegations of misconductPer TSI’s account records, on April 3, 2010, TSI mailed *** *** an
initial notice relating to this accountThe notice advised *** ***, among other things, of his right to dispute the accountTSI records do not reflect that TSI received a prior dispute relating to *** ***’s accountTSI placed several calls to *** *** in a good faith effort to collect on the accountTSI was unable to make contact with *** *** via telephone regarding this accountTSI has ceased all collection activity on the accountTSI will conduct no further collection activity on this account.TSI has requested a deletion of its entry on Aaron Tucker’s credit profile relating to this accountSince Aaron Tucker’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 notifiedTSI cannot affect a change in the way this account may be reported to the credit bureaus by other entitiesShould *** *** have any further questions, please have him contact *** at POBox ***, Rocklin, CA ***.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.transworldpayments.com or contact the FTC online at www.fic.gov; by phone at 1-877-FTC-HELP; or by mail at Pennsylvania Ave., NW, Washington, DC If you want information about your rights when you are contacted by a debt collector, please contact the FTC online at www.ftc.gov.Should I not hear from you within days, I will assume you have all information necessary to complete your investigation and close this matterVery Truly
Yours,
Cathy B
Consumer Affairs Team Lead

December 3, 2014Dear *** ***: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 *** *** * *** ***
***(***) is a credit card servicing and payment processing companyWe remain committed to maintaining a high level of customer satisfaction and appreciate the opportunity to assist youThis communication is being provided per *** ***’s request and is for informational purposes only and not an attempt to collect a debtHaving researched this matter, please consider the following:*** has reviewed *** ***’s concerns relating to the credit reporting of a ***/*** trade line for his accountPlease note that *** has confirmed that the ***/*** trade line is no longer reporting with any of the three main credit reporting agenciesPlease note that *** has no control over the manner in which any other entity may have listed this account on *** ***’s credit profile.If *** *** has any further questions, please contact me directly at ###-###-####, ext ***Very truly yours,
Christina H
Resolution Representative

August 26, Dear *** ***:
I acknowledge receipt of the August 19, complaint for the above matterPlease be advised that NCO has closed as paid the above 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 consumer's credit profile for the social security number we have listed in our recordsNCO Financial Systems, Inccannot affect a change to how any other company may have listed the above account the consumer’s credit profileIt is NCO's intent not to have any further communication with *** *** *** in reference 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.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,
Very truly yours,
Cathy B
Consumer Affairs Team Lead