EGS Financial Care, Inc

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, given Nco closed my account and didn't and will not do any action that would harm my credit.
Thank you very much for your help!
Regards,
[redacted]

September 29, 2014Dear [redacted]:Following up on my September 24, 2014 letter, please be advised that as NCO previously informed to [redacted], her accounts completed a rehabilitation plan on August 28, 2014. Upon completion of the rehabilitation, NCO closed and returned these accounts to its client. For further information regarding these accounts, [redacted] should contact Illinois Student Assistance Commission at [redacted], IL [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.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

October 17, 2014
Dear [redacted]:
I acknowledge receipt of the October 8, 2014 follow-up complaint for the above reference account. Please note that on 8/25/14, [redacted], placed an account with NCO for collections. Please be advised that NCO has closed the referenced account in our office. Please note that we have contacted the credit bureaus that we do business with, with our request to delete our listing of the above-referenced account from [redacted]'s credit profile for the social security number we have listed in our records. NCO Financial Systems, Inc. cannot affect a change to how any other company may have listed the above account on [redacted]'s credit profile. In addition, please be advised that it can take 30-45 to completed the deletion from the consumer’s CBR. It is NCO's intent not to have any further communication with [redacted] in reference to the above account.
For further inquiry please advise [redacted] to contact [redacted] at [redacted] relating 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 B
Consumer Affairs Team Lead

February 18, 2014
Dear **. [redacted]:
I acknowledge receipt of the February 6, 2014 complaint for the referenced consumer. Please be advised that the above-referenced account 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.
In addition, 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.
Please be advised that NCO has issued a refund in the amount of $216.04 on February 7, 2014.
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.flc.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,

February 10, 2016Dear [redacted]:
 
I acknowledge receipt of the February 8, 2016 complaint for the referenced consumer. EGS 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. Should Ashley Owen receive any additional telephone calls from EGS Financial Care, Inc., please have her request our reference number and provide that information to me at the phone number listed above.
 
EGS has no record of [redacted]'s telephone number in our databases; however, as a precaution upon receipt of her complaint, her telephone number was added to our do not call list.
 
In addition, please provide the telephone numbers that [redacted] is receiving calls from.
 
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.egscorp.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.
Very Truly Yours,
Sharon W.
Consumer Affairs Production Manager

November 21, 2014Dear [redacted]:
I acknowledge receipt of your October 24, 2014 complaint regarding the abovereferenced accounts. Please be advised Transworld Systems, Inc. (TSI) account notes do not substantiate [redacted]’s allegations of misconduct. According to TSI’s...

account notes, TSI began servicing [redacted]’s accounts on August 29, 2013. On September 2, 2013, TSI mailed [redacted] an initial notice relating to these accounts. TSI placed several calls to [redacted] in a good faith effort to collect on the accounts, but was unable to make contact with [redacted] until January 22, 2014.On January 22, 2014, TSI spoke with [redacted] regarding these accounts. Account records reflect that settlement discussion was held. Based on TSI’s client's guidelines, a TSI representative advised [redacted] of the settlement available on her accounts; however, a settlement arrangement was not reached. On February 28, 2014, a Treasury Offset Program payment was received on the accounts.TSI records reflect that further communications were held relating to a possible settlement on these accounts; however, a settlement was not reached. On April 28, 2014, [redacted] indicated to TSI that she was no longer interested in settling the accounts. [redacted] agreed to enter into a $100 monthly payment plan. [redacted]’s payments were set up to be processed on the 28th of each month. A payment for $100 was processed on 4/28/2014, 5/28/2014, 6/28/2014 & 7/28/2014. On August 28, 2014, TSI was unable to process [redacted]’s payment, since the payment was declined by the credit card company, TSI attempted to reach [redacted] relating to her payment; however, the number on file was disconnected. TSI attempted to process [redacted]’s September payment, but this payment was also declined by the credit card company. On October 3, 2014, TSI received a call from [redacted]. TSI updated the account with a new telephone number. [redacted] informed TSI that she lost her credit card, which caused her payments to be denied.On October 6, 2014, TSI received a call from [redacted] indicating that she wanted to set up an allotment to pay these accounts. During this call, [redacted] requested TSI's bank account information be sent to her in writing. The representative handling the call advised [redacted] that he could provide her with the account information for TSI, but that he did not have information in writing. The representative asked [redacted] to contact his supervisor so that she could assist her with her request for written information on TSI's bank account number. TSI's records do not reflect that the TSI supervisor received a call from [redacted] regarding this account. On October 24, 2014, TSI received this inquiry.
Please note that [redacted]’s accounts may be subject to a Treasury Offset Program (TOP), which is administered by the Department of Treasury, to collect delinquent debts owed to federal agencies and states, in accordance with 26 U.S.C. § 6402(d), 31 U.S.C. § 3720A, and other applicable laws. TSI has no involvement with this program. Also, [redacted]’s accounts may be subject to an Administrative Wage Garnishment (AWG); however, at this time, the AWG process has not been implemented for [redacted]’s accounts.
Further, in connection with [redacted]’s request to set up allotment payments to these accounts, please note that in our experience, some consumers have been unable to successfully set up allotments because the consumer's account number is not provided when the payment is received. This may cause issues locating the appropriate account and applying the payment to the proper account. We recommend that [redacted] make payments via mail, including her account numbers on her payment, to the following address: Transworld Systems Inc., PO Box 15110, Wilmington, DE 19850.
Please note that due to security concerns, I am unable to provide the bank account information in writing; however, [redacted] may contact Loren V[redacted] at [redacted] to obtain assistance with this request. Mr. V[redacted] may assist [redacted] in setting a minimum “test” payment and providing her with a payment history so that we can ensure that her payments are being properly applied to her accounts.TSI's account notes do not reflect that [redacted] previously requested validation materials or a payment history regarding these accounts. Enclosed for your review is validation information and a payment history for [redacted]’s accounts. Given [redacted]’s request, her accounts have been marked to prevent further calls.
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.transworldpayments.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.
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 law. We may not have sufficient time to complete an investigation of the alleged inaccuracy.
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 response. If no reason is received your complaint will be closed Administratively Resolved]
 Complaint: [redacted]
I am rejecting this response because:This is a fraud account.  This debt is not my own.  I want [redacted] to zero out this account and erase all debt and negative information about this account.  I want all 3 credit reporting agencies to be notified that this is a fraud account.  I contacted [redacted]. 
[redacted] 
###-###-#### 
She works at Customer Satisfaction & Regulatory Compliance and she stated in a email to me, " We are unable to locate an account under your name with [redacted] Upstate are you able to provide an address where the service was put into your name and have you filed a dispute withNCOFinancial?" 
This is a fraud account.  Please remove all negative information with me in regards to this account.
 Regards,
[redacted]

March 13, 2014
Dear **. [redacted]:
I acknowledge receipt of your March 7, 2014 complaint for the above referenced consumer. Please advise **. [redacted] that he may contact [redacted] at ###-###-#### regarding the 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,

June 8, 2015Dear [redacted]:I acknowledge receipt of the June 1, 2015 complaint for the referenced consumer. Please be advised Transworld System, Inc. has closed the referenced accounts in our office as paid.Please be advised that TSI has not reported account [redacted] on [redacted]’s...

credit profile. In addition, we have contacted the credit bureaus, with which we do business, with our request to delete our listing of account [redacted] from [redacted]’s credit profile; however, because [redacted]’s social security number was not provided to us, we will be uncertain as to whether our request will be accurately processed by the agencies notified. TSI cannot effect a change to how any other company or. entity may have listed the accounts on [redacted]’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.transworldpayments.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

February 24, 2014
Dear **. [redacted]:
I acknowledge receipt of February 19, 2014 complaint for the above matter. Please be advised that NCO has closed the referenced account in our office. It is NCO’s intent not to have any further communication with [redacted]...

in reference to the above account.
For further inquiry please contact [redacted] relating to the above account.
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,

December 16, 2014Dear [redacted]:
I acknowledge receipt of your November 20, 2014 complaint for the referenced consumer. Please be advised that the accounts [redacted] and [redacted] are closed as paid in our office. It is...

Transworld's intent not to have any further communication with [redacted] in reference to the above accounts.Please note that account [redacted] remains open in Transworld's system. Please advise [redacted] to call Andy S[redacted] at ###-###-#### for inquiries regarding account [redacted].
Since the account validation materials relate to medical issues, Transworld will not forward these documents to you, so that there is no potential violation of federal or state privacy laws. These materials have been forwarded to the consumer.
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 accounts [redacted] from the consumer’s credit profile for the social security number we have listed in our records. Please be advised that Transworld has not reported accounts [redacted] and [redacted] this matter on the consumer’s credit profile. Please be advised that Transworld Systems cannot affect a change to how any other company may have listed the above accounts 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.transworldpayments.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.Very Truly
Yours,Cathy
BConsumer
Affairs Team Lead

February 24, 2014
Dear **. [redacted]:
I acknowledge receipt of the February 11, 2014 complaint for the referenced consumer. In response to your request for validation, enclosed please find the materials we received from the creditor that corresponds to the...

above-referenced accounts. Please note, the accounts remain open in NCO's system.  [redacted]. [redacted]’s accounts have been transferred to a special collection unit.  Please advise **. [redacted] to contact [redacted] at ###-###-#### relating to these accounts.
It is NCO's intent not to have any further communication with **. [redacted] in reference to the above accounts.
In the event that your office should forward this letter to the consumer: This is an attempt to collect a debt. Any information obtained will be used for that purpose. This is a communication from a debt collector.
Strictly Confidential- Proprietary Company Information- Not Subject to Disclosure.
Calls to or from NCO Financial Systems, Inc. may be monitored or recorded for quality assurance.
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.
Federal and state law prohibit certain methods of debt collection, and require that we treat you fairly. If you have a complaint about the way we are collecting your debt, please visit our website at www-ncogroup.com or contact the FTC online at www.ftc.gov; by phone at 1-877-FTC-HELP; or by mail at 600 Pennsylvania Ave., NW, Washington, DC 20580. If you want information about your rights when you are contacted by a debt collector, please contact the FTC online at www.ftc.gov.
Very truly yours,

August 13, 2014Dear [redacted]:I acknowledge receipt of the August 7, 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.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.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 B[redacted]Consumer Affairs Team Lead

October 22, 2014
Dear [redacted]:
I acknowledge receipt of your October 16, 2014 letter for the above matter. Please be advised that NCO has closed the above-referenced accounts as paid in our office. It is NCO's intent not to have any further communication with [redacted] in...

reference to the above accounts.In addition, please be advised that we have contacted the credit bureaus that we do business with, with our request to delete our listing of the above-referenced accounts 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 accounts on [redacted]'s credit profile. Please note that it may take 30-45 days to delete the above accounts.
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

Complaint: [redacted]
I am rejecting this response because:---------- Forwarded message ----------From: Revdex.com of Metro Washington DC <[email protected]>Date: Wed, Sep 17, 2014 at 9:36 AMSubject: Fwd: You have a new message from the Revdex.com of Metro Washington DC & Eastern Pennsylvania in regards to your complaint #[redacted].To: [redacted] <[redacted]>
---------- Forwarded message ----------
From: [redacted]>
Date: Tue, Sep 16, 2014 at 3:30 PM
Subject: Re: You have a new message from the Revdex.com of Metro Washington DC & Eastern Pennsylvania in regards to your complaint #[redacted].
To: "[email protected]" <[email protected]>I received you'd answer to my complaint but u don't understand what  they are saying all I wanted was to be able to pay my credit card monthly with what I could afford.  Can I so that?    [redacted]
Sent from my iPhone
Regards,
[redacted]

[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]

June 6, 2014Dear [redacted]: I acknowledge receipt of the May 19, 2014 complaint for the above referenced.account. Please be advised that NCO has closed the referenced account 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,[redacted] Consumer Affairs Team LeadIn 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.NCOVery truly yours,

[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:
This is the exact same the letter they did to begin with..obviously they do not read their responses.  I want a letter addressed to ME, not the Revdex.com stating that this is to be removed from my credit from all three credit bureaus and that this was not a debt that was owed by me nor should have been turned over to my credit in a negative manner.  I think that is a pretty simple statement and request.  It is easy for a company to day they are doing something and then not do it.  If I go so we here to apply for any kind of credit and this shows up on my credit and was t removed for whatever reason, I need a letter addressed to ME that states that so I can give it to them for proof, to protect my credit rating.
Thank you,
Regards,
[redacted]

December 1, 2014Dear [redacted]:
I acknowledge receipt of the November 18, 2014 complaint for the referenced consumer. Transworld has closed the referenced accounts in our office. Please be advised that Transworld has not reported this matter on [redacted]'s credit profile....

Please be advised that Transworld Systems cannot affect a change to how any other company may have listed the above accounts on [redacted]'s credit profile. It is Transworld's intent not to have any further communication with [redacted] in reference to the above accounts.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.transworldpayments.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.
Very Truly
Yours,
Cathy
B
Consumer
Affairs Team Lead

July 22, 2014Dear [redacted]:I acknowledge receipt of your July 16, 2014 letter for the above consumer Please be advised that NCO has closed the - above-referenced accounts in our office. It is NCO's intent not to have any further communication with [redacted] in reference to...

the above accounts.In addition, please be advised that we have contacted the credit bureaus that we do business with, with our request to delete our listing of the above accounts from the consumer’s credit profile for the social security number we have listed in our records. Please be advised that NCO Financial Systems, Inc. cannot affect a change to how any other company may have listed the above accounts on the consumer’s credit profile. Please note that it may take 45-60 days for the credit bureau to remove an account from the consumer's credit profile.Federal and state law prohibits certain methods of debt collection, and requires that we treat you fairly. If you have a complaint about the way we are collecting your debt, please visit our website at www.ncogroup.com or contact the FTC online at www.ftc.gov; by phone at 1-877-FTC-HELP; or by mail at 600 Pennsylvania Ave., NW, Washington, DC. 20580. If you want information about your rights when you are contacted by a debt collector, please contact the FTC online at www.ftc.gov.Should I not hear from you within 30 days, I will assume you have all information necessary to complete your investigation and close this matter. Thanking you for your cooperation, I remain,Very truly yours,Cathy B.Consumer Affairs Team Lead