Steve
Bradenton,#2Consumer Comment
Tue, August 12, 2008
Janell, I see that you have found the need to respond to nearly every collections thread here on ROR. It appears that you are the newest self proclaimed expert. However, your "advice" is flawed. For example: There is no such thing as "CEASE and DESIST" in the world of debt collections, and you NEVER "call" anyone regarding a debt collection or credit reporting issue. You always need to do it in writing, and sent by certified mail, return reciept requested as a minimum. FYI..It appears that you are new to this site, as I am on it nearly every day and have never seen you here before, and I have been on this site for years. Read my posts. I have fextensive first hand knowledge in dealing with debt collectors as I have been beating them for years and never paid a cent, and have been sued 3 times and defended my self successfully each time. Get a grip!
Janell
Kissimmee,#3Consumer Comment
Tue, August 12, 2008
Hi Dave. That documentation you have to prove the debt is not yours, send it to the credit bureaus that are reporting the debt. It may take up to 30 days to remove it but if you have proof, you should be okay.
Dave B
Wyoming,#4Consumer Comment
Sun, July 20, 2008
Short and to the point. A timeline.. May of 2007. Notified by collection agency that I have a debt from a Florida Emergency Room.. I have not been to Florida nor has any of my family. I ask for validation... They give it to.... I respond that the individual is not me, my relation or anyone I know. May31 I write a letter (I have the copy) and explain that the individual is not me and the account information is wrong (the birthdate on file is MUCH younger then me... remember this is a hospital bill..age is important) I assume all is fine. December of 07 I get a letter from NCO-Medclear.. where is my payment they ask. I call them and explain what happened, they tell me over the phone that it was an error on their part and that is the end of it. July 3 2008. I recieve correspondence from a potential lender that I have been denied because of an 'Adverse report" on my credit report. I have very high credit score. I have literally never paid a finance charge and have never been even 30 days late on any credit arrangements. I checked my credit report, and sure enough the only issue is the NCO-Medclear. July 13 I call NCO (it took a while to figure what the issue was). I spend endless hours on hold and get disconnected 5 Times. I have all of this documented. July 14 I finally get a hold of a Supervisor?? I explained that I was going out of town and needed this resolved by the end of the week (I am leaving for a trip on Tuesday Morning 7-22). She gave me a Fax number and I faxed the correspondence, including my previous letter, to her explaining the situation. I also explained the urgency. I need to have this gone when I am out of town. Today 7-19 I have not heard anything. I am sending a letter certified mail with a copy of all of the correspondence.. I have been in contact with my states dept. of commerce and I am requesting that they open an official complaint. Now I am angry, This shows a total disregard of my rights. I did everything I was supposed to do to protect myself. I feel like a victim of identity theft and I know who the criminal is but nobody cares...and I am helpless to defend myself or make it go away.. this aint over yet.. I will be contacting my attorney when I get back. I do get mad and I do get even. Any one have any other ideas??
Concerned Citizen
Warminster,#5UPDATE EX-employee responds
Tue, June 10, 2008
To Robert, I worked for NCO for years and there are consumers that need to know their rights and if that includes contacting me, then they should. FYI. I am not a disgruntled ex-employee. There are people out there who conduct their business dealings with a high level of integrity and when they disclose unlawful practices of their present and previous employers, it is not out of feelings of being disgruntled. So your comments are a but reckless, my friend. I have more than 20 years experience and worked to help consumers while at NCO. I witnessed the violations first hand, alerted senior management and top executives in attempts to change the way my divisions did business. I brought a lvel of integrity to the company not widely seen. The focus here is NCO and not as you label "a disgruntled ex-employee". I had an excellent record with the company and fought hard to protect consumers' rights and employee rights. Also, filing a FTC complaint is not enough nor is seeking a quick settlement. My report is to assist consumers in every state by having them use their experiences with NCO to educate consumers and force change. There have been tens of thousands of complaints against NCO filed with the FTC and nothing has changed so just filing a complaint with this government agency may induce a fine but do little to prevent the practices about which thousands of consumers speak on this and other websites. You'd know that if you read through the reports in this board and other websites. So my motivation to assist consumers started long before I left NCO. I just wanted to set the record straight and ask that you limit your comments to NCO and not what your opinions are of me because your label of disgruntled is not only obnoxious but unnecessary. Thanks for your comments though because they allow me to set the record straight. I'm certain that many will find this rip-off report and my vast knowledge of the internal policies and procedures of NCO helpful in their pursuit of justice.
Keith
Los Angeles,#6Consumer Comment
Sat, June 07, 2008
Thanks for the inside report, a more detailed report about NCO collection practices. Curious why the same government that writes up these collection rules & regs hires NCO too. Think I read somewhere that they do collections for our government. Also, it was on radio that someone did sue NCO & won and NCO offered to pay up but only if the amount & settlement details would be sealed. And the guy wasn't willing to do that, have the details sealed. Not sure how it ended up, settlement wise. I think the main point here is to know your rights & be informed.
Robert
Buffalo,#7Consumer Comment
Sat, June 07, 2008
the BEST way to stop these clowns is to SUE THEM in DISTRICT COURT as the FDCPA allows for up to $1000 in statutory damages as well as reasonable legal fees. Consumers may also sue them in DISTRICT COURT when they violate the FCRA when they knowingly report false credit information or REFUSE to report correct credit information. There is no need to consult with a former disgruntled ex-employee who CANNOT testify as to what NCO is doing or has recently done as regards any individual consumer debt account. Consumers should visit the FTC website at www.ftc.gov and download the FDCPA and the FCRA and READ THEM to know their rights. When NCO or any other debt collector violates the FDCPA, FCRA, or you State statutes, it's time to shop for an attorney to SUE them. More and more law firms are advertising to sue debt collectors. It's becoming easier each day to find a competant attorney who doesn't mind the easy legal fees.
Robert
Buffalo,#8Consumer Comment
Sat, June 07, 2008
the BEST way to stop these clowns is to SUE THEM in DISTRICT COURT as the FDCPA allows for up to $1000 in statutory damages as well as reasonable legal fees. Consumers may also sue them in DISTRICT COURT when they violate the FCRA when they knowingly report false credit information or REFUSE to report correct credit information. There is no need to consult with a former disgruntled ex-employee who CANNOT testify as to what NCO is doing or has recently done as regards any individual consumer debt account. Consumers should visit the FTC website at www.ftc.gov and download the FDCPA and the FCRA and READ THEM to know their rights. When NCO or any other debt collector violates the FDCPA, FCRA, or you State statutes, it's time to shop for an attorney to SUE them. More and more law firms are advertising to sue debt collectors. It's becoming easier each day to find a competant attorney who doesn't mind the easy legal fees.
Robert
Buffalo,#9Consumer Comment
Sat, June 07, 2008
the BEST way to stop these clowns is to SUE THEM in DISTRICT COURT as the FDCPA allows for up to $1000 in statutory damages as well as reasonable legal fees. Consumers may also sue them in DISTRICT COURT when they violate the FCRA when they knowingly report false credit information or REFUSE to report correct credit information. There is no need to consult with a former disgruntled ex-employee who CANNOT testify as to what NCO is doing or has recently done as regards any individual consumer debt account. Consumers should visit the FTC website at www.ftc.gov and download the FDCPA and the FCRA and READ THEM to know their rights. When NCO or any other debt collector violates the FDCPA, FCRA, or you State statutes, it's time to shop for an attorney to SUE them. More and more law firms are advertising to sue debt collectors. It's becoming easier each day to find a competant attorney who doesn't mind the easy legal fees.