EGS Financial Care, Inc

November 19, 2014Dear [redacted]:
I acknowledge receipt of the October 29, 2014 complaint for the referenced consumer. Since the account validation materials relate to medical issues, [redacted] 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.
Please be advised that account [redacted] is on-hold pending closure in our office. It is [redacted]'s intent not to have any further communication with [redacted] in reference to account [redacted].
Please note that account [redacted] remains open in [redacted]’s system. Please advise the consumer to contact Michael C[redacted] at ###-###-#### relating to the 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 accounts from the consumer’s credit profile for the social security number we have listed in our records. Please be advised that [redacted] 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.[redacted]payments.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

[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]

December 12, 2014
Dear [redacted]:
I acknowledge receipt of your November 21, 2014 complaint for the referenced consumer. Please be advised that the above account is on-hold pending closure in our office. It is Transworld's intent not to have any further communication with [redacted]...

[redacted] in reference to the above account. Further inquiries regarding the above account may be directed to [redacted], Baltimore, MD [redacted].In addition, please note that Transworld has not reported 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 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.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

This is the same response I got from [redacted]. It's not an answer. All you are stating to me is what I already know. You have no reason to put me in default. All it says in the promissory note that I have received (which all they will send me is the note disclosure and creditworthy statement until I finally asked for all documents which I haven't received) says nothing about the actual terms of default. Just states if you deem me to be at default, which doesn't state at any time you choose, that you have to meet conditions of nonpayment to reach that. Nor does it say I can't get out of default. All you say is no. There is no valid reason why it's no and no one I've talked to can tell me why. This is a ridiculous circle of people who have no idea why I'm in default and can't explain it. There is no reason I should be in there. If you have no proof or terms on the promissory note then its done. I shouldn't be in there. Nothing about this contract or promissory note states default. It says you may face a penalty or late charge. I'm tired of getting the run around and I want something done. They are the most complained about private organization for student loans and yet they still get what they want. You are ruining my credit by putting me in a bankrupt category when loans can't be forgiven. I'm making payments and it's just nonsense that you'd do this to someone. 
[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:
Regards,
[redacted]

March 31, 2014Dear [redacted]:I acknowledge receipt of the March 27, 2014 follow-up complaint for the above consumer. Please be advised that in order to further investigate [redacted] A. [redacted]’s allegations, NCO requests that [redacted] A. [redacted] forward a copy of her 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, DE 19850.   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]

June 3, 2014
Dear [redacted]
 I acknowledge receipt of the May 23, 2014 complaint for the above matter. Please be advised that NCO has closed the above account in our office. Please note that we have contacted the credit bureaus that we do o business with, with our request to...

delete our listing of the abovereferenced account from the consumers 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 consumers credit profile. It is NCOs 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,

[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 as Answered]
 Complaint: [redacted]
I am rejecting this response because:
Sharon, does this mean that the collections through EGS have been halted, and that the account will be closed on your end? Thanks. Please clarify.
Regards,
[redacted]

April 10, 2015Dear [redacted],This is in response to your complaint concerning a missing payment of $50.00 on your [redacted] account. Based on my investigation, I have noticed that you had an arrangement in place for pre-authorized payments. Unfortunately, this method of payment could take...

well over 30 days to reflect on [redacted]’s records. NCO has processed two payments; the third payment was never remitted due to your bank account being closed. Your account balance is currently $472.58, two payments for $45.00 each were applied to your account and one payment for $50.00 was reported on March 31, 2015 by [redacted].Please do not hesitate to contact me should you wish to discuss further.Sincerely,Marcelle L

[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 never said I did not want to make a settlement. This company does not want to make a settlement.  If I did not want to settle, then why am I still trying to ask for a settlement as a resolution to this complaint. The problem is not that I dont want make a settlement, it is that "TSI" does not want  make a settlement with me. This company does not want to settle because they are making too much money from this. They are adding additional fees everyday to this account.
"TS" said, in the letter that I may be subject to a Treasury Offset. They have already done this with my taxes. I have proof! They also said that I am subject to Administrative Wage Garnishment (AWG). They have already done this to me too for 2 years now, in 2013 and 2014. I have proof!
Further more, who in this day and time would send money by allotment to a bank account and routing number without having something in writting?
"TSI" said they were unable to contact me. I contacted them SERVERAL TIMES on my own in the past. I have even been contacting the orginal debtor about a settlement. When I could not reach a setttlement with "TSI" I faxed and called the orginal company to do a settlement, with no response.
Regardless, I am contacting you now and I am requesting a settlement.
WHAT RESOLUTION I AM SEEKING:
I WANT TO SETTLE THIS ACCOUNT.
Regards,
[redacted]

[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:Per NCO Financial Systems response they have stated: "I acknowledge receipt of the March 17, 2014 complaint for the referenced consumer." Which this would be me [redacted] A. [redacted]. NCO further states "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." It would be impossible to forward NCO a copy of [redacted] E. [redacted]'s credit report since I am not that individual and do not have access to their credentials to do that.
As per my complaint they have reported on my credit report for [redacted] A. [redacted]. I have contacted the company and provided my name, address, and social security number. NCO could not find any information with my personal information. The two different individuals named in the initial complaint said that everything should be removed, and that is what I would like to see happen. I don't understand how they can not find me within their records with my information, and then request that I provide some other individuals credit information.
Regards,
[redacted]

July 30, 2014
Dear [redacted]:I acknowledge receipt of your July 28, 20 14 letter for the above consumer. Please 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 completed. In order to further investigate your complaint, NCO requests that [redacted] forward a copy of his most recent credit report displaying NCO's listing.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.fic.gov; by phone at 1-877-FTC-HELP, or by mail at 600 Pennsylvania Ave., NW, Washington, DC 20580. If you want infoqqrmation 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
Consumer Affairs Team Lead

December 3, 2014Dear [redacted]:
I acknowledge receipt of the November 10, 2014 complaint for the referenced consumer. Please be advised that the above account is on-hold pending closure in our office. TSI has notified [redacted] of [redacted]’ position regarding the...

above account. Unfortunately, TSI is unable to obtain any documentation from [redacted] in regard 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 the consumer’s credit profile for the social security number we have listed in our records. Please be advised that Transworld Systems, Inc. cannot affect a change to how any other company may have listed the above account on the consumer’s credit profile.
It is TSI's intent not to have any further communication with [redacted] in reference to the above account.Federal and state law prohibits certain methods of debt collection, and requires that we treat you fairly. If you have a complaint about the way we are collecting your debt, please visit our website at www.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

June 26, 2014Dear [redacted]:I acknowledge receipt of your June 24, 2014 letter for the above consumer. Please 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. . Should. [redacted] receive any additional telephone calls from NCO Financial Systems, Inc., please have her request our reference number, and provide that information to me at the phone number listed above.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.Consumer Affairs Team LeadCalls to or from NCO Financial Systems, Inc. may be monitored or recorded for quality assurance. Strictly Confidential- Proprietary Company Information - Not Subject to Disclosure.Very truly yours,

May 7, 2014
Dear [redacted]:I acknowledge receipt of your April 10, 2014 complaint regarding the above referenced consumer. Please be advised that NCO has closed the referenced account as settled in our office. It is NCO's intent not to have any further communication with [redacted]...

[redacted] in reference to the above account.Federal and state law prohibits certain methods of debt collection, and requires that we treat you fairly. If you have a complaint about the way we are collecting your debt, please visit our website at www.ncogroup.com or contact the FTC online at www.ftc.gov; by phone at 1-877-FTC-HELP; or by mail at 600 Pennsylvania Ave., NW, Washington, DC 20580. If you want information about your rights when you are contacted by a debt collector, please contact the FTC online at www.ftc.gov.Should I not hear from you within 30 days, I will assume you have all information necessary to complete your investigation and close this matter. Thanking you for your cooperation, I remain,    >

June 5,2014Dear [redacted]:I acknowledge receipt of the May 30, 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; copy of the consumer credit report showing 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.ricogroup.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,

May 13, 2014
Dear [redacted]:I acknowledge receipt of the May 5, 2014 complaint for the above matter. Please ibe 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,

May 13, 2014
Dear **. [redacted]:I acknowledge receipt of the April 15, 2014 complaint for the above referenced consumer. We have noted our records that [redacted]’s place of employment is not the correct contact for the individual we are attempting to locate. It is NCO’s intent...

not to have any further communication with [redacted] or her place of employment in relation to the above matter.Should I not hear from you within 30 days, I will assume you have all information necessary to complete your investigation and close this matter. Thanking you for your cooperation, I remain,Very truly yours,

May 21, 2014
Dear [redacted]:I acknowledge receipt of the May 5, 2014 complaint for the above matter. I understand that [redacted] has requested that NCO cease calling her regarding accounts [redacted] and [redacted], that have been placed...

with NCO for collection. Please be advised that NCO has removed [redacted]s telephone number from its system. NCO will place no further calls to [redacted] relating to the above referenced accounts We have taken the information the consumer has provided to us very seriously and appreciate your efforts in bringing her concerns to our attention. Let us state at the outset that it is not the policy or the practice of this company to engage in unfair, deceptive or misleading practices. Nor are such occurrences tolerated. Our employees are trained and are also regularly monitored for compliance purposes. Please assure the consumer that her comments have been thoroughly reviewed and have not been taken lightly. Should it be found that a collector violated NCOs policies and procedures relating to the handling of this account, the collector will be disciplined and retrained regarding NCOs policies and procedures.
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. 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,

February 19, 2014
Dear **. [redacted]:
I acknowledge receipt of the January 28, 2014 complaint for the above consumer. Please be advised that the above account is closed in our office as settled. Please note that NCO has advised its client that the account is settled....

Please be advised that NCO has not reported this matter on consumer's credit profile. 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 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,