Complaint Review: NCO Financial

Vickie,

NCO are a bunch of punks. They are easy to stop.

Make 150 copies of a CEASE COMMUNICATIONS letter as per your right under the FDCPA. Aquire a fax machine and be sure you have unlimited long distance on your phone plan.

Every time they call load the fax machine and press send. Then every night after they close, send until you get a recieve error. This means you have exhausted their toner and/or paper, and have filled the memory on the fax machine.

Then first thing Monday morning, before they open, do it again.

They will permanently remove your information after you do this for just a few days.

And file a separate ftc complaint at ftc.gov every time they call. Enforcement is based on the number of complaints filed, and NCO has paid the largest ftc fines in history. They are the single largest offender of debtors rights in the world.

Now that's something to be proud of!

Julie
You might want to contact Ebay and Paypal to dispute this. If what was fraudently sold significantly different from what you were selling, you might get out easy.

As for NCO, you can pretty much forget about them stop calling you. I have sent two certified, return receipt letters to them demanding that they not call me, my employer, or anyone else, and to remove all telephone #'s from their database.My employer has demanded to stop calling over the phone, by fax and by mail. I have also filed complaints with the FTC,my state's AG, Pa's AG, and the BBB of Horsham, PA. I have documented every time they call with date and time.
Immediately start recording their calls and inform them that you are doing so.Guaranteed, they will hang up. But they will call back.
Rack up enough violations against them.THEN SEE AN ATTORNEY! THEN SUE THEM!

Thank you for the advice Steve and James. I sent out a certified letter to that PA address to NCO Financial. They wrote back and said they've never heard of my claim and ask for further information, name, address, ss# and I never responded. I also asked to stop contacting me via phone, they have ceased to do so. They still call me every day or every other day. The calls have slowed down a bit. What do I do now?

Julie

In the demand for validation, include a limited Cease and Desist. Then they are NOT allowed to call you anymore. Just say "Please do not contact me by phone or at my place of employment. My employer does not allow telephone calls, and calls at home are extremely inconvenient. Please forward all further correspondence via the USPS."

Nice try, Don...

Don,

I searched all of the above posts and I can see nowhere that anyone stated that. However, every bit of advice you have given on this site has been flawed. You are the reason collection agencies are so easy to beat, and pay such big fines!

Julie, James gave good advise, as did I. We do know how to read and interpret the FDCPA and the FCRA. Don is clueless.

Just send the debt validation letter as described above. It works. Don't worry about the 30 day response time to send your letter. It is irrelevant.

Very simple. Good luck.

IT is a good thing that Americans spend so much of their tax dollars to fund education for people. In my school, they taught me how to read. Obviously this does not happen everywhere. If someone else can explain where I advised Julie that a validation letter will not permanantly stop collection calls? I explained what would have been on the letter that she later said she did not receive.

I am all for people giving advice on how to deal with collectors breaking the laws. Sites like this are excellent tools for consumers. However, collectors do not break the FDCPA every time they call someone. Yes, 99% of the complaints on this site, violations of the FDCPA have happened. Based on what was said in the initial post, this was not one of those situations.

Julie,

James gave you good advice. Also, NEVER call back a collector, and never speak to any collector on the phone! Verbal communications never existed when you end up in court.

Always just wait until you get something in writing.

And, once gain Don speaks jibberish based on his worldly experience of 3 weeks on the job! Julie, FYI..NEVER listen to Don. He has absolutely no idea what he is talking about.

Go to FTC.gov and read and print the FDCPA and the FCRA. They are both fairly short. then go to budhibbs.com and read all about NCO financial under the "agencies to avoid" tab and also read all about popular scams and illegal practices of debt collectors. Pay special attention to the "profile of a debt collector" section.

Good luck!

Well, Don, the law is against you there.

The consumer is not limited to 30 days, but YOU are limited to 30 days to handle validation.

I reference the FDCPA:

809. Validation of debts [15 USC 1692g]
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(c) The failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer.

You see, she has NOT assumed the debt, as you say. Maybe this is part of the reason your company settled a lawsuit by the FTC for $1.5 MILLION (for repeat violations of the FCRA), or that you were sued 40 times in 2003 for violations of the FDCPA!

NCO Financial is easy to find. They are located at:

NCO Financial Systems, Inc.
507 Prudential Road
Horsham, PA 19044-2388

Demand validation. Send dispute to the CRAs. Let them violate the laws AGAIN. Then sue them in Federal Court. $1,000 per action on the FDCPA, $1,000 for each violation of the FCRA.

You will see good results.

Don,

I understand that's the general rule, but I received nothing in the mail. I need to send out letters to NCO Financial to request for this collection so that I may know the exact detail of this so-called debt. But I have no address to send it to since they didn't send me anything. I don't know to which location to send this mail to.

What do I do next?

Julie,

Generally, a letter is sent out letting you know that an account has been sent to collections. In it, the terms do indicate that you have 30 days to dispute the claim. It will also say that if you do not dispute the charges in the 30 days, you have assumed the debt. This letter would have been sent to the address on file. By contacting NCO and letting them know that you are disputing the charges, it will put a "hold" on the collection calls. NCO will also let the company (in this case PayPal) that you are disputing and they will send you a validation letter. Hope this helps.

Steve,

I never closed my Ebay account and contacted them. I will be sending out via certified mail to NCO Financial for the request of proper documents but I have no idea where their office is because I never received any paperwork from them just phone calls. Also I pulled my credit report yesterday and I don't see this as a deliquency item at all.

Do I still need to go foward if it seems as though it's not on my credit report?

Julie

Steve,

I never closed my Ebay account and contacted them. I will be sending out via certified mail to NCO Financial for the request of proper documents but I have no idea where their office is because I never received any paperwork from them just phone calls. Also I pulled my credit report yesterday and I don't see this as a deliquency item at all.

Do I still need to go foward if it seems as though it's not on my credit report?

Julie

Steve,

I never closed my Ebay account and contacted them. I will be sending out via certified mail to NCO Financial for the request of proper documents but I have no idea where their office is because I never received any paperwork from them just phone calls. Also I pulled my credit report yesterday and I don't see this as a deliquency item at all.

Do I still need to go foward if it seems as though it's not on my credit report?

Julie

Julie,

Just send NCO a "debt validation" request by certified mail return reciept requested. Simply dispute the debt and demand proof in the form of something you signed to create the debt and an account history.

As far as your old eBay name, when you close an account at eBay NOBODY, not even you can re-use that same name for at least 6 months.

It sounds like it was someone you knew that had your ebay/paypal/personal info is taking you for a ride!

I mean the banking and address verifications would be totally different even if it was your old ebay account name.

This is too easy.