EGS Financial Care, Inc

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May 28, Dear [redacted]:
I acknowledge receipt of May 14, complaint for the above matterPlease be advised that NCO has closed the referenced accounts in our office as paidPlease note that we have contacted the credit bureaus that we do business with, with our request to delete our listing of the abovereferenced accounts from [redacted] 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 accounts on [redacted] credit profileIt is NCOs intent not to have any further communication with [redacted] in reference to the above accounts-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.ficgov; by phone at 1-877-FTC-HELP; or by mail at Pennsylvania Ave.,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,

March 13, 2014
Dear **. [redacted]:
I acknowledge receipt of the March 6, 2014 complaint for the above reference consumer. Please be 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,

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

April 1, 2014
Dear [redacted]:I acknowledge receipt of the March 14, 2014 complaint for the referenced consumer. Please be advised that NCO has closed the above-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 we do business with, with our request to delete our listing of the above-referenced account from the consumer’s credit profile. Since 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.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.

September 5, 2014
Dear [redacted]:I acknowledge receipt of the August 29, 2014 complaint for the referenced consumer. I noted that the consumer & has requested validation of the debt. I have commenced that process and will be forwarding to you the requested validation, as soon...

as it is available. During this interim time, it is NCO's intent not to contact the consumer regarding this debt.Please be advised that the consumers account balances may be periodically increased due to the addition of accrued interest or other charges as provided in their agreement with the original creditor or as otherwise provided by state law.
Please send future complaints to NCO Financial Systems, Inc., P.O. Box 15035, Wilmington, DE 19850-9609.
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.ffc.gov.
Our goal is to timely respond to your inquiry. If you have any questions during this interim time, please contact
Very truly yours,
Cathy B
Consumer Affairs Team Lead

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,

February 19, 2014
Dear **. [redacted]:
I acknowledge receipt of your February 14, 2014 complaint from the above-referenced consumer regarding the above-referenced accounts. Please be advised that the telephone number ###-###-#### has been removed from the above-referenced...

account. It is NCO’s intent not to have any further communication with [redacted] in reference to the above accounts, since he is not the responsible consumer.
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,

March 26, 2014Dear **. [redacted]:
I acknowledge receipt of the March 17, 2014 complaint for the referenced consumer. In order to further investigate [redacted] E. [redacted]’s allegations NCO requests that [redacted] E. [redacted] forward a copy of his most recent credit report displaying...

NCO’s listing.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, DH 19850.  Very truly yours,

April 22, 2014Dear [redacted]I acknowledge receipt of your April 1, 2014 letter for the abovereferenced consumer. Please be advised thatNCO has closed the above account in our office. It is NCOs intent not to have any further communication with [redacted] in reference to the...

above account. Further inquiries regarding the above account may be directed to [redacted] of [redacted] Hospital at ###-###-#### or at [redacted], NY [redacted].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 debtcollector, please contact the FTC online at www.fic.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

September 16, 2014
Dear [redacted]:
I acknowledge receipt of the September 11, 2014 complaint for the above referenced consumer. Please be 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. Further inquiry regarding the underlying debt may be directed to [redacted] Bank at: Attention: Consumers, P.O. Box [redacted], KS [redacted].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.fic.gov.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.
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. Thank you for your cooperation, I remain,Very truly yours,Cathy B
Consumer Affairs Team Lead

My father's name is [redacted].

October 16, 2014Dear [redacted]:I acknowledge receipt of the October 15, 2014 complaint for the above reference account. Please be advised that NCO has closed as paid 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 [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 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.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

August 25, 2014Dear [redacted]:I acknowledge receipt of your July 29, 2014 letter for the above consumer. Please be advised that the aboveaccount is on hold pending closure in our office. It is NCO's intent not to have any further communication with [redacted] 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 [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.
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

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

July 31, 2014
Dear [redacted]:
I acknowledge receipt of your July 21, 2014 letter for the above consumer. Please be advised that NCO has. closed the above-referenced account 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 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’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

November 22, 2017Dear [redacted]:I acknowledge receipt of the November 20, 2017 complaint for the referenced consumer. Please be advised that the above-referenced account has been placed in a status to prevent further collection activity by EGS. Further inquiry regarding the underlying debt may be...

directed to [redacted], P.O. Box [redacted], Orlando, FL [redacted].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.egsfinancialcare.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 Sharon W.Manager, Operations & Compliance Support

May 21, 2014
Dear [redacted]:I acknowledge receipt of the April 28, 2014 complaint for the above referenced consumer. Please be advised that the above referenced accounts are closed in our office as settled.
Please note that NCO was notified by the creditor that they will issue a...

refund to [redacted] in the amount of $1,880.21. If you have any further question regarding your refund please contact the Department of Education at [redacted].In the event that we are notified in the future that **. [redacted]s payments were returned due to non-sufficient funds or were otherwise reversed or unpaid by his financial institution, this letter will be void.
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,

July 18, 2014
Dear [redacted]:I acknowledge receipt of your June 10, 2014 follow up complaint for the above consumer matter. Enclosed please find the terms and conditions we receive from the client for the above matter. Please note that NCO and another other entity that attempts to collect on the defaulted balance on [redacted]’s loans must follow the creditor’s guidelines. NCO did not deem the loans to be in default and has no control over the default status of the loans. Per the agreement with the creditor, once the creditor deems the loans to be in default, the loans remain in default. Neither NCO nor any other entity collecting on these loans has the authority to remove the default status of the loans.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

May 5, 2014
Dear **. [redacted]:I acknowledge receipt of the April 7, 2014 complaint for the above referenced consumer. Enclosed please find the materials we received from the creditors that correspond to the above-referenced accounts. For further inquiry please contact [redacted]...

at ###-###-#### relating 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 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,

[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 [redacted], and find that this resolution is satisfactory to me. 
Regards,
[redacted]