- Report: #352533
Complaint Review: NCO Financial - Horsham Pennsylvania
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NCO Financial
507 Prudential Road Horsham, 19044 Pennsylvania, U.S.A.
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NCO Financial NCO Umfair Collection Practice Horsham Pennsylvania
NCO attempted to contact me in regards to a debt I had owed Capital One Auto Finance. My car was totaled in August 2006 and the loan was not fully covered by the insurance company and GAP insurance. Capital One discharged the total (which shows on my credit report as of 2/22/08).
Around the beginning of May 2007, I received a call from NCO, stating that I owed them the money. I had not received a single thing in the mail from them, not to mention it had already been discharged. I told them I did not owe the money, would not pay them anything and to not call me again.
They continued to call me, but I stopped answering their calls. Since they never left messages, this left them able to call several more times in a day. Soon after, I received a call from my father, stating that he received a call from NCO, at his home, in regards to me. They told him that I needed to contact them imediately. First of all, I NEVER give my fathers home number out, not even for reference purposes. Which means, they had to research to find my fathers number, in order to call him. I immediately called them and informed them not to call him again. I told the lady that what they were doing is illegal and harrassing. She got rude with me and told me it was not, that they could do whatever they needed to do to get me to call them.
Two months later, even after telling them not to call my father again, they did. This time, they told him that they needed to verify my phone number and address. He told them he would verify it, if they gave him the information. Of course they told him they could not do that.
Tonight I filed a report with the FDCPA and advise anyone else who has a similar problem with NCO to do the same.
Heidi
Jacksonville, Florida
U.S.A.
Around the beginning of May 2007, I received a call from NCO, stating that I owed them the money. I had not received a single thing in the mail from them, not to mention it had already been discharged. I told them I did not owe the money, would not pay them anything and to not call me again.
They continued to call me, but I stopped answering their calls. Since they never left messages, this left them able to call several more times in a day. Soon after, I received a call from my father, stating that he received a call from NCO, at his home, in regards to me. They told him that I needed to contact them imediately. First of all, I NEVER give my fathers home number out, not even for reference purposes. Which means, they had to research to find my fathers number, in order to call him. I immediately called them and informed them not to call him again. I told the lady that what they were doing is illegal and harrassing. She got rude with me and told me it was not, that they could do whatever they needed to do to get me to call them.
Two months later, even after telling them not to call my father again, they did. This time, they told him that they needed to verify my phone number and address. He told them he would verify it, if they gave him the information. Of course they told him they could not do that.
Tonight I filed a report with the FDCPA and advise anyone else who has a similar problem with NCO to do the same.
Heidi
Jacksonville, Florida
U.S.A.
2 Updates & Rebuttals
Steve
Bradenton,Florida,
U.S.A.
Heidi, you MUST make your CEASE COMMUNICATIONS request in WRITING...And..
#2Consumer Suggestion
Tue, August 12, 2008
Heidi, You MUST have proof that you sent your CEASE COMMUNICATIONS request. This means that it needs to be in writing and should be sent by certified mail, return reciept requested. Be sure to put the certified # on the letter itself and keep a copy for your records. This procedure is very important as it proves exactly what you sent. FYI...You cannot file a report "with the FDCPA" as you stated. The FDCPA is a law/regulation, NOT an agency. The governing government agency for the FDCPA is the FTC, and they do NOT do individual enforcement. You can make your complaint online, but it will only be kept for statistical use and possible class action use. It will do nothing for you personally in this case. See my other many posts on how to deal with these bottomfeeders. Got a fax machine? That is my favorite! Otherwise, you need to get a lawyer and sue them for your rights under the FDCPA at your own expense up front.
Janell
Kissimmee,Florida,
U.S.A.
Hey Heidi...
#3Consumer Comment
Tue, August 12, 2008
They called my sister-in-law who lives 2000 miles away from me. I don't know how they got her cell phone number, but they did and I don't even know it. I told them to not call her again. I will just send a certified letter telling them to cease and desist communication with me and my family. If they don't, I'll just file a complaint.
