Complaint Review: NCO Financial Systems - Horsham Pennsylvania

NCO started calling on a wireless (held by a teen) demanding personal information and payment of a Bank of America unpaid bill $1,200. I have one account that I have held for years with Bank of America and I knew it was NOT in collection. Especially since I was using the card while on vacation in Disney World when the calls first begun. I told the kid to just not answer her phone so her minutes didn't get tied up, and that I would handle it with the bank when I got home. The calls kept coming, so I called the bank from vacation to make sure the account wasn't compromised. They were so abusive and persistent with the calls from NCO, I had concern. The Bank took my number and did an extensive search using social, addresses, account numbers. They took NCO's name, phone number that I had on my caller ID. A few hours later, a supervisor from BoA assured me there was no problem with my account. They had no record of any account for me being in collection AND they said they checked with vendor relations and NCO is NOT contracted to act on their behalf. The Bank advised I disregard them. I called back from the hotel and informed a woman (I couldn't hear her name, vacation commotion goinf on) and told her I did not have any outstanding bills with BoA and requested she discontinue calls. She insisted they did have a BoA collection and wanted my credit card numbers, social, and other personal info. This happened once before with BoA only the player was another company, Client Services. The MO Attorney General started to pursue them. NCO must have bought the bad information from Client services and the Corbett disregarded my letter about NCO and the ONGOING DAILY harassing calls. I can't change the kid's phone on the family plan until the contract is up or I pay a $175 cancellation fee. Unreal, I think it may be time for a follow up letter to Corbett.

Tom Corbett is in NCO's pocket. He supposedly "investigated" NCO and then cut a deal where all they had to do was promise the court they wouldn't do it again and that they'd self-monitor their activities. Nice, huh? So filling with AG Tom Corbett gets you nowhere. Continue to file with the FTC, with the CPA for your state, call your local police department every time they call and report abusive and threatening phone calls, send the C&D letter certified mail and log every call after you get the return receipt. NCO is the slimiest bunch of thieves on the planet. Steven Leckerman, their CEO, is a pig, plain and simple. He is a seething, stinking pile of excrement, and Tom Corbett is his beyotch. Complain to the Feds, call your local news station's consumer reports division, and make your voice heard. NCO and Corbett need to be investigated by the Feds. No one in PA will do anything about NCO because everyone's making money off them. They are the Bernie Madoff of Pennsylvania.

You are getting close to the courthouse, but need one more step to "close the loop" before that. You need to send a final dispute to each CRA that is reporting this debt. In the dispute state that they need to remove the listing because NCO failed to provide Debt Validation. In this dispute send a copy of the letter NCO sent you. If the CRA's correct the problem you are set. If not then you have good grounds for a suit. But not against NCO, against the CRA's for violation of the Fair Credit Reporting Act(FCRA). In court they would have to prove that they did verify the debt, and how they did it. They won't be able to do this. Because if they did it would have not come back as verified. You could also add NCO to the suit, but if it remains I have a feeling that the CRA did not even attempt to verify.

So I received a letter from NCO regarding my dispute stating that they "cannot locate information". Nice. Can't locate ANY validation materials yet you continue to verify the debt as valid to the CRAs. Well, now that I've got 2 pieces of supporting evidence, it just may be time to go visit my local courthouse...

So I received a letter from NCO regarding my dispute stating that they "cannot locate information". Nice. Can't locate ANY validation materials yet you continue to verify the debt as valid to the CRAs. Well, now that I've got 2 pieces of supporting evidence, it just may be time to go visit my local courthouse...

So I received a letter from NCO regarding my dispute stating that they "cannot locate information". Nice. Can't locate ANY validation materials yet you continue to verify the debt as valid to the CRAs. Well, now that I've got 2 pieces of supporting evidence, it just may be time to go visit my local courthouse...

Carrie, First of all, forget the BBB. They are absolutely useless and have no power to do anything. They are a private for profit business, and unless BOTH parties are dues paying members, you are wasting your time. The BBB's time has come and gone. As far as the FTC goes, your complaint will only be kept for statistical purposes, and possibly for a future class action, buy they do NOT do individual enforcement of any kind. Therefore, another waste of your time. The Attorney General is not responsible for private sector individual enforcement either, but they will usually send a courtesy letter, and may initiate class action at some later date. Therefore, the three reporting methods listed above are really a waste of time. The ONLY recourse you have that will ACTUALLY get results is a private lawsuit, as that is the ONLY means of enforcement of your rights under the FDCPA and FCRA. You are on your own, and there is no government agency here at all that will do enforcement on your behalf. None. Find a lawyer who specializes in debt collections matters and file your lawsuit NOW. Good luck.

Send them a Debt Validation Letter stating this exact thing, and that they are not allowed to contact you by phone. Be sure to send this Certified Mail with Return Receipt. This way you have proof that it was received and when. Once they have this until they "Validate" the debt they can't do anything else. If it has been 30 days and they have not validated it you can send in a dispute to your credit reports to have the item removed. If they call you again after they receive this letter you can pursue a suit against them for FDCPA violations. You don't need the FTC, BBB, or State AG, just the filing fee and a bit of paperwork at your courthouse for the Small Claims Case. "Legally Recorded Conversations" are hard to prove that it is in fact the other company, Certified Letters where the Post Office says that it was delivered is easy to prove. It is also the only documentation a court tends to accept.