- Report: #128869
Complaint Review: NCO Financial Systems - Philadelphia Pennsylvania
-
Author Confirmed
Why?
NCO Financial Systems
P O Box 41466 Philadelphia, 19101 Pennsylvania, U.S.A.
Phone:
800-485-2202
Web:
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Business Rating:
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NCO Financial Systems ripoff deceptive rude Philadelphia Pennsylvania
My son and I have the same name, except he has Jr. on the end of his. His money management is really bad and he has an account that has been sent to NCO Financial Systems.
Last Tuesday, January 18, 2005, a representative from NCO contacted my home about this account. My daughter took the call and gave them my cell phone number by mistake. They contacted me, first by immediately insinuating that I owed the bill and they wanted a full payment immediately. After finally telling them they had the wrong person, and giving them part of my social security number, this should have ended our conversation..
Instead, they suggested that my wife and I pay the entire bill and have our son pay us back. I responded no, that I was not responsible for his bills. They tried to get me to send them a check and even went so far as to offer to put this on my credit card. The representative them tried to get me to write down where to mail the check and what account number to put on the check. As I was driving a truck in heavy traffic, I explained that that was impossible at the time.
Last Wednesday night, January 19, 2005, after my wife and I had talked about how to help my son, I called NCO to try to get the information that I couldn't write down the night before. For some strange reason, they would not give me the information, but, stated that if my wife contacted them they would provide her with the info. She contacted NCO at 1-800-485-2202 about how to make payments and where to mail the payments. NCO gave her all the info, without requiring any iota of confirming whom she was. NCO informed her that the entire balance was due and payable by the end of this month. They told her that it was to "not" be in money order form, it must be in check form. My wife told them that our son does not have a checking account. They told my wife that we should write them a check from our checking account and let him pay us back. The conversation ended with my wife and NCO at this point.
I then contacted NCO once again. Immediately. they start on me about how we should pay this for our son, and let him repay us. They said they could do this by either our credit card or our checking account. I told them that this would not happen. I also informed them that when the payments began, they would be in money order form. They objected to this. I explained to them that if they rejected the money orders, then they would be liable for rejecting payments.
The bill that was turned over to NCO was for the amount of $949.23. NCO has attached a 18% collection fee on top of this, which brings the total to $1120.09. As my son has a problem paying the original amount, what makes it even a better situation by attaching such an outrageous collection fee on top of this.
Does any of this sound strange?
Mike
Hartselle, Alabama
U.S.A.
Last Tuesday, January 18, 2005, a representative from NCO contacted my home about this account. My daughter took the call and gave them my cell phone number by mistake. They contacted me, first by immediately insinuating that I owed the bill and they wanted a full payment immediately. After finally telling them they had the wrong person, and giving them part of my social security number, this should have ended our conversation..
Instead, they suggested that my wife and I pay the entire bill and have our son pay us back. I responded no, that I was not responsible for his bills. They tried to get me to send them a check and even went so far as to offer to put this on my credit card. The representative them tried to get me to write down where to mail the check and what account number to put on the check. As I was driving a truck in heavy traffic, I explained that that was impossible at the time.
Last Wednesday night, January 19, 2005, after my wife and I had talked about how to help my son, I called NCO to try to get the information that I couldn't write down the night before. For some strange reason, they would not give me the information, but, stated that if my wife contacted them they would provide her with the info. She contacted NCO at 1-800-485-2202 about how to make payments and where to mail the payments. NCO gave her all the info, without requiring any iota of confirming whom she was. NCO informed her that the entire balance was due and payable by the end of this month. They told her that it was to "not" be in money order form, it must be in check form. My wife told them that our son does not have a checking account. They told my wife that we should write them a check from our checking account and let him pay us back. The conversation ended with my wife and NCO at this point.
I then contacted NCO once again. Immediately. they start on me about how we should pay this for our son, and let him repay us. They said they could do this by either our credit card or our checking account. I told them that this would not happen. I also informed them that when the payments began, they would be in money order form. They objected to this. I explained to them that if they rejected the money orders, then they would be liable for rejecting payments.
The bill that was turned over to NCO was for the amount of $949.23. NCO has attached a 18% collection fee on top of this, which brings the total to $1120.09. As my son has a problem paying the original amount, what makes it even a better situation by attaching such an outrageous collection fee on top of this.
Does any of this sound strange?
Mike
Hartselle, Alabama
U.S.A.
2 Updates & Rebuttals
You All Lie
None,Hawaii,
U.S.A.
ok you need help
#2Consumer Suggestion
Wed, January 26, 2005
First don't anwser your phone while driving, DUH! second how do you think collection agencys get paid, DUH! maybe help your kid out with the bill, also if you brought him up right he wouldnt have bills, be a better parent. For the chick that thinks she knows the FDCPA, you use to be a collector, that means you can't do it, have good day
Megan
Bensalem,Pennsylvania,
U.S.A.
Be Careful ..they had no right to continue to speak with you after you verified that you were not the debtor.
#3Consumer Comment
Wed, January 26, 2005
I have worked in the collection business for many years. First, they had no right to continue to speak with you after you verified that you were not the debtor. Have your son contact the state attorney general's office to file a complaint. If he wins the case the collection agency may have to pay damages for violating the fair debt collections practice act. (FDCPA)Second, be careful, there was an investigation into this company for credit card fraud in the past. The company was found to have taken credit cards from debtors credit reports and run them until a payment was received. Third, ALL collection agencies will accept money orders! Don't let them tell you otherwise. I definately WOULD NOT send them a check. It wouldn't suprise me if the new scam is they are using routing numbers and account numbers to create a draft off your account. I suggest you definately contact your state attorney general.
