- Report: #410015
Complaint Review: Calvery Portfoilo/ NCO Collections - Hawthorne New York
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Author Confirmed
Why?
Calvery Portfoilo/ NCO Collections
P.O Box 1017 Hawthorne, 10532 New York, U.S.A.
Phone:
877-222-8257
Web:
N/A
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Business Rating:
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Calvery Portfoilo/ NCO Collections Failure To Provide Proof Of Debt Hawthorne New York
This debt was with Amoco/ B.P Oil from mid 2001 for under $400.00.
A mix-up occured when Amoco became BP and I had 2 accounts.
On one account I had a zero balance and paid the other one off in full over 7years ago! To get to the point, I never herd a word or saw a unfavorable credit entry on my report from BP Until....................About 3 years ago I get a collection notice from Calvery Portfolio/NCO Collections, they are both the same company.
Then the phone calls soon arrived, last one was Christmas Eve 2008 and still the same story , pay now and we can offer you a deal!
And my response is the same" Please prove the amount owed".
Today was the straw that broke the camels back, after I checked my most recent credit report, I noticed that they re-aged the account back to May 2006 and after I informed them of this the reply was...That is when we took over the account. again I asked the agent show me the debt. Her answer was they can't as BP has been slow to furnish them the information.
I then asked if they could refrain from reporting to the credit bureau till valid information is received. Again the answer was No. Now her supervisor gets on the phone and starts with ...We are tired of this as we have sent you notices from both east and west coast and you have not replyed.
Again I said you have never shown me proof of the debt. A shouting match ensued and I hung up. My next call was to the New Jersey Dept. Of Consummer Law ( Attorney Generals Office) Note: Numerous complants under NCO. And today I will check with a good lawyer to bring suit against this bottom feeder of a company.
Can you believe this? my phone just rang and it was Calvary calling again!
I told her that it is in the hands of the State, she then asked, do you want to speak to my supervisor?
Unbelievable.!!
Credit fighter
Green Creek, New Jersey
U.S.A.
A mix-up occured when Amoco became BP and I had 2 accounts.
On one account I had a zero balance and paid the other one off in full over 7years ago! To get to the point, I never herd a word or saw a unfavorable credit entry on my report from BP Until....................About 3 years ago I get a collection notice from Calvery Portfolio/NCO Collections, they are both the same company.
Then the phone calls soon arrived, last one was Christmas Eve 2008 and still the same story , pay now and we can offer you a deal!
And my response is the same" Please prove the amount owed".
Today was the straw that broke the camels back, after I checked my most recent credit report, I noticed that they re-aged the account back to May 2006 and after I informed them of this the reply was...That is when we took over the account. again I asked the agent show me the debt. Her answer was they can't as BP has been slow to furnish them the information.
I then asked if they could refrain from reporting to the credit bureau till valid information is received. Again the answer was No. Now her supervisor gets on the phone and starts with ...We are tired of this as we have sent you notices from both east and west coast and you have not replyed.
Again I said you have never shown me proof of the debt. A shouting match ensued and I hung up. My next call was to the New Jersey Dept. Of Consummer Law ( Attorney Generals Office) Note: Numerous complants under NCO. And today I will check with a good lawyer to bring suit against this bottom feeder of a company.
Can you believe this? my phone just rang and it was Calvary calling again!
I told her that it is in the hands of the State, she then asked, do you want to speak to my supervisor?
Unbelievable.!!
Credit fighter
Green Creek, New Jersey
U.S.A.
2 Updates & Rebuttals
Tobytina0011
Texas,Texas,
U.S.A.
I am having the same problem with these people
#2Consumer Comment
Sun, January 25, 2009
I am having the same problem with these people.The dept is to go off of my credit from Americredit in May of this year but they are showing it to be 2006. and lets not forget they have added 4 grand to it.and they do a hard pull on my credit every 10 days this is the only bad thing on my credit!What can I do??????I hate Calvery port!!!!!!!!!!!!!
Robert
Buffalo,New York,
U.S.A.
You've got them
#3Consumer Comment
Fri, January 09, 2009
Don't just say it-do it! Follow thru with a good consumer credit attorney. It appears that they willfully violated the Fair Credit Reporting Act. They KNOW d**n well that they CANNOT reset the age of the debt to the time that they purchased the debt/accepted assignment of the debt. The age of the debt is the date of the CHARGE OFF from BP Oil and if it is over 7 years old it CANNOT BE REPORTED on your credit reports. This is a violation of the FCRA! You could sue them, but you might get quicker results if you send them a certified return receipt requested letter that clearly indicates that the age of the debt WOULD be the date of the charge off by BP Oil (OR the date that you paid the debt in full) and is not the date that they "took it over." Also demand that they IMMEDIATELY NOTIFY THE CRAs to DELETE this entry on all credit reports about you. You could also go through the motions of demanding validation, but you claim the debt was PAID so you should DISPUTE the debt in it's entirety for that reason. Lastly, you should instruct them that communication must be in writing only and that any further telephone calls from them attempting to collect this debt will be considered deliberate violations of the Fair Debt Collections Practices Act and as such are actionable in District Court. That should do it. I would give them about 45 days and then I'd check your credit report to see if it's removed. If it isn't-LAWYER TIME! Good luck.
