Complaint Review: NCO Financial - Horsham Pennsylvania

NCO folded like a deck of cards.  The PA Attorney General came through as did the PA BBB.

Despite Bank of America claiming they DID NOT contract NCO to collect any funds on their behalf, NCO maintains that they represent Bank of America.  They were unable to provide any documentation to support that claim.

NCO made a determination to code "their account" as fraudulently opened and delete the derogatory trade line.  

Bank of America still claims that they have no affiliation with NCO and I do not have any accounts in arrears with them.

If anyone reading this would like my records to pursue consumer rights, I can easily be found via Facebook "Jennifer Bilodeau".

ASKING FOR PERSONAL INFO SUCH AS SSN# ETC. IS A VIOLATION OF THE FEDERAL RIGHT TO PRIVACY ACT AMMENDED AFTER 9/11 ANY REQUEST/ATTEMPT BY AN INDIVIDAUL OR COMPANY SHOULD BE DOCUMENTED/RECORDED AND FOWARDE TO THE OFFICE OF HOMELAND OF HOMELAND SECURITY IMMEDIATELY SO THEY CAN INVESTIGATE AND TAKE ACTION AND BELIEVE ME THEY WILL TAKE ACTION THIS IS NOT A LAUGHING MATTER BUT SOMETHING THEY TAKE VERY SERIOUSLY AND THE GUILTY PARTY/PARTIES WILL BE ARRESTED AND TAKEN TO JAIL.

You don't get the point of forums like this. It is not about bickering with NCO, but promoting public awareness of consumer usury out there in the marketplace today. By educating consumers on how to address their specific situation, it will help promote positive change. It will help governing officials lay the groundwork to much needed revision and enforcement of existing laws. Disreputable collection firms, not just NCO, pretty much write into the budget the $1,000 fine and legal costs from the few that do know how to prosecute them. NCO at one time went public, bought up a number of assets, then was bought back by the owners using deceptive business practices the entire way. Even the $1.5 million of fines imposed by the FTC was a drop in the bucket for their now, world wide operations and did not discourage illegal practices. The copy of the post by the NCO employee as well as all the lawsuits recently filed in the last 30 days, further illustrates the caliber of employees and reputation of the firm to show people they don't have to be afraid of a moron like that. So, anyone who would oppose educating consumers calling it a waste of time is either part of the problem, rather than the solution to this economic crisis and/or has financial interest in disreputable and questionable financial services. Don't lon't a narrow-minded weasel like these folks at NCO intimidate you.

Once you know it's a scam......or at best what he's saying isn't true....WHY DO YOU CONTINUE TO TALK TO HIM? Why not just hang up the d**n phone.......WHY give these idiots so much power over you......why bicker and whine and yell or cuss and swear at these a$$holes? Do you not have better things to do?

Would you like the physical address of their building in missouri? My spouse works for united health care, and NCO financial rents officer space from them. 1930 w Bennett Springfield mo, 65807 Hope that helps, and yes I have heard from the UHC employees that the NCO people do smoke pot outside while they work. There are routine complaints about it.

So much to say about the latest news. NCO did in fact damage my credit reports with this alleged Bank of America delinquency. Bank of America has reported to all officiating agencies that they have no affiliation with NCO, nor do they contract NCO to do any work on their behalf. The reports claim NCO illegally obtained Bank Customer personal identifiable information and fabricated the debt in my instance. NCO's legal counsel, Lisa Signore refused comment. She also refused to respond to inquiries requesting validation of the debt. In a search, it apears that Client Services (see other Rip Off Complaint with the same actions/response as NCO) is a subsidiary of NCO. The subsidiary sent the information to continue harassment and avoid prosecution from the Missouri Attorney General by crossing state lines to Pennsylvania. LAW SUITS FILED RECENTLY - Just shows the integrity of the firm. July 7, 2009 HOIDA v. NCO FINANCIAL SYSTEMS, INC. PA Eastern FULLAM Other Statutory Actions Fair Debt Collection Act Plaintiff: JENNIFER HOIDA Defendant: NCO FINANCIAL SYSTEMS, INC. July 6, 2009 Hugo Canton v. NCO Financial Systems Inc et al CA Central Goldman Other Statutory Actions Fair Debt Collection Act Plaintiff: Hugo Canton Defendant: NCO Financial Systems Inc, Capital One July 1, 2009 NCO Financial Systems, Inc. v. Trauner, Cohen & Thomas, L.L.P. GA Northern Martin Other Contract Diversity-Breach of Contract Plaintiff: NCO Financial Systems, Inc., NCO Financial Systems, Inc. Defendant: Trauner, Cohen & Thomas, L.L.P. Singer v. NCO Financial Systems Inc. NY Eastern Garaufis Other Statutory Actions Fair Debt Collection Act Plaintiff: Moshe Singer Defendant: NCO Financial Systems Inc. June 30, 2009 Gaunichaux v. NCO Financial Systems, Inc. GA Northern Moye Consumer Credit Fair Debt Collection Act Plaintiff: Tomeka Barrow Gaunichaux Defendant: NCO Financial Systems, Inc. John Kaczmarczyk v. NCO Financial Systems, Inc. CA Eastern O'Neill Consumer Credit Fair Debt Collection Act Plaintiff: John Kaczmarczyk Defendant: NCO Financial Systems, Inc. Michael Moody v. NCO Financial Systems, Inc. et al CA Central Gutierrez Consumer Credit Fair Debt Collection Act Plaintiff: Michael Moody Defendant: NCO Financial Systems, Inc., Capital One Bank (USA), N.A., Does Razaq v. NCO Financial Systems, Inc. et al TX Southern Lake Consumer Credit Fair Debt Collection Act Plaintiff: Rick A. Razaq Defendant: NCO Financial Systems, Inc., Weltman, Weinberg & Reis Co, L.P.A., Discover Bank v. NCO Financial Systems, Inc. CA Eastern Consumer Credit Fair Debt Collection Act Plaintiff: John Kaczmarczyk Defendant: NCO Financial Systems, Inc. June 29, 2009 Crews v. NCO Financial Systems, Inc. TX Western Yeakel Consumer Credit Fair Debt Collection Act Plaintiff: H. Jo Crews Defendant: NCO Financial Systems, Inc. Scheunemann et al v. NCO Financial Systems Inc WI Eastern Callahan Other Statutory Actions Fair Debt Collection Act Plaintiff: Kevin Scheunemann, Karen Scheunemann, Gerard Jahnke, Sybil Jahnke Defendant: NCO Financial Systems Inc, NCO Financial Systems Inc June 26, 2009 Russo v. NCO Financial Systems, Inc. FL Middle Lazzara Consumer Credit Fair Debt Collection Act Plaintiff: Christopher D. Russo Defendant: NCO Financial Systems, Inc., NCO Financial Systems, Inc., NCO Financial Systems, Inc. Wolford v. NCO Financial Systems, Inc. FL Middle Corrigan Consumer Credit Fair Debt Collection Act Plaintiff: Allen Wolford Defendant: NCO Financial Systems, Inc., NCO Financial Systems, Inc., NCO Financial Systems, Inc. June 25, 2009 Dozier v. NCO Financial Systems, Inc. NY Southern Gardephe Other Statutory Actions Fair Debt Collection Act Plaintiff: Julia Dozier Defendant: NCO Financial Systems, Inc. Martin v. NCO Financial Systems, Inc. CA Southern Hayes Other Statutory Actions Fair Debt Collection Act Plaintiff: Ivan Martin Defendant: NCO Financial Systems, Inc. June 24, 2009 Ruffalo v. NCO Financial Systems Inc CA Northern Spero Other Statutory Actions Fair Debt Collection Act Plaintiff: Joseph Ruffalo Defendant: NCO Financial Systems Inc June 20, 2009 Ruffalo v. NCO Financial Systems Inc. CA Eastern Damrell Consumer Credit Fair Debt Collection Act Plaintiff: Judith Ruffalo Defendant: NCO Financial Systems Inc. Ruffalo v. NCO Financial Systems Inc. CA Eastern Other Statutory Actions Fair Debt Collection Act Plaintiff: Judith Ruffalo Defendant: NCO Financial Systems Inc. June 19, 2009 Curtis v. NCO Financial Systems, Inc. CA Eastern Burrell Consumer Credit Fair Debt Collection Act Plaintiff: Eric Curtis Defendant: NCO Financial Systems, Inc. Curtis v. NCO Financial Systems, Inc. CA Eastern Consumer Credit Fair Debt Collection Act Plaintiff: Eric Curtis Defendant: NCO Financial Systems, Inc. v. NCO Financial Systems, Inc. CA Eastern Consumer Credit Fair Debt Collection Act Plaintiff: Eric Curtis Defendant: NCO Financial Systems, Inc. June 18, 2009 Stepina v. NCO Financial Systems, Inc. CA Eastern Mendez Consumer Credit Fair Debt Collection Act Plaintiff: Renata Stepina Defendant: NCO Financial Systems, Inc. Stepina v. NCO Financial Systems, Inc. CA Eastern Consumer Credit Fair Debt Collection Act Plaintiff: Renata Stepina Defendant: NCO Financial Systems, Inc. v. NCO Financial Systems, Inc. CA Eastern Consumer Credit Fair Debt Collection Act Defendant: NCO Financial Systems, Inc. June 17, 2009 Camarda v. NCO Financial Systems, Inc. et al OH Northern Polster Consumer Credit Fair Debt Collection Act Plaintiff: Sharon Camarda Defendant: NCO Financial Systems, Inc., John Does 1-2 Williams v. Credit Protection Association Trans Union LLC et al TX Northern Lindsay Other Civil Rights Fed. Question Plaintiff: Arthur Williams Defendant: Credit Protection Association Trans Union LLC, Experian Information Solutions, Fidelity Bank of Texas TXU Energy, Chexsystems, Inc., NCO Financial Systems and others... v. Stepina et al CA Eastern Consumer Credit Fair Debt Collection Act Defendant: Renata Stepina, NCO Financial Systems, Inc. June 16, 2009 Walsh v. NCO Financial Systems, Inc. PA Middle Unassigned4 Consumer Credit Fair Debt Collection Act Plaintiff: Lawrence Walsh, Jr. Defendant: NCO Financial Systems, Inc. June 11, 2009 Khan v. NCO Financial Systems, Inc. NY Eastern Sifton Consumer Credit Fair Debt Collection Act Plaintiff: Saeeda Khan Defendant: NCO Financial Systems, Inc. Kidd v. First United Security Bank et al AL Middle Coody Consumer Credit Fair Credit Reporting Act Plaintiff: Debra Ann Kidd Defendant: First United Security Bank, Sweetwater State Bank, NCO Financial Systems, Inc., Equifax Information Services, LLC, Trans Union, LLC June 10, 2009 Dixon v. NCO Financial Systems, Inc. CA Eastern Consumer Credit Fair Debt Collection Act Plaintiff: Rosemary Dixon Defendant: NCO Financial Systems, Inc. Dixon v. NCO Financial Systems, Inc. CA Eastern England Consumer Credit Fair Debt Collection Act Plaintiff: Rosemary Dixon Defendant: NCO Financial Systems, Inc. June 9, 2009 Granger v. NCO Financial Systems Inc. CA Eastern Damrell Consumer Credit Fair Debt Collection Act Plaintiff: Stacey Granger Defendant: NCO Financial Systems Inc. Mitlina v. NCO Financial Systems, Inc. MA OToole Consumer Credit Fair Debt Collection Act Plaintiff: Natalie Mitlina Defendant: NCO Financial Systems, Inc. June 8, 2009 Dukes v. NCO Financial Systems, Inc. MS Northern Mills Other Statutory Actions Fair Debt Collection Act Plaintiff: Vera Dukes Defendant: NCO Financial Systems, Inc. Kelley v. Trans Union LLC et al TX Southern Gilmore Consumer Credit Fair Credit Reporting Act Plaintiff: Charis L. Kelley Defendant: Trans Union LLC, Experian Information Solution LLC, Equifax Information Services LLC, Firstsource Advantage, LLC, Cavalry Investments LLC and others... Lutes v. NCO Financial Systems, Inc. KS Robinson Consumer Credit Fair Debt Collection Act Plaintiff: Connie Jo Lutes Defendant: NCO Financial Systems, Inc. June 5, 2009 Gross v. NCO Financial Systems, Inc. MN Montgomery Consumer Credit Fair Debt Collection Act Plaintiff: Daniel Gross Defendant: NCO Financial Systems, Inc. June 4, 2009 Khaykin v. NCO Financial Systems Inc. NY Eastern Matsumoto Consumer Credit Fair Debt Collection Act Plaintiff: Vladmir Khaykin Defendant: NCO Financial Systems Inc. Sanderson v. NCO Financial Systems CA Eastern Karlton Consumer Credit Fair Debt Collection Act Plaintiff: Kathleen Sanderson Defendant: NCO Financial Systems, Inc. And for those of you who are still hanging in there - BONUS MATERIAL further illustrating NCO's lack of professionalism. As typical, Lisa Signore, NCO's Chief Legal Counsel and Compliance officer has no comment. Eric Giardina Says: May 30th, 2009 at 12:45 am Ha, Great posts whiners! I do harass some of you deadbeats, but that's my job. Deal with it and pay your bills and we won't have to call everyone and track down you losers. I'm a tough guy and can deal with it so I'll keep calling. It is a great job actually. I will sometimes smoke up a bit on break or at lunch and when I make my calls then I can hardly keep from laughing at all of your bullshit excuses. Pay your bills and we'll stop calling. NCO has been a great company to work for and maybe some of you low-lifes should get out of the gutter and come work for us http://www.ncogroup.com/Careers/Search_for_Careers_at_NCO.html and pay off your debt. Get a job and pay your bills losers!! You can send all the Cease and Desist orders you want. Our managers trash them and tell us to disregard them anyhow. That's why we keep calling. What are going to do? Sue us? C'mon now you can't pay your bills as it is so what lawyer are you going to get. Take care, I'll be calling! Eric http://xrlq.com/2006/05/04/fraud-alert-nco-financial-systems/comment-page-2/#comment-549497

Since Client Services claimed damaging my CRA was a clerical error on their part and suddenly NCO picking this up within 10 days the letter of response was issued by Client Services to the Missouri Attorney General, I started thinking. Now this is always a dangerous thing when I think, because I wanted to see if any dots connected from Client Services to NCO. Both company websites were similar, but you could always have an "industry recommended" web designer develop separate sites for the same companies. Client Services did not provide any listing for physical mailing addresses, but NCO totes in their qualifications, they have offices world wide. NCO advertised offices in Missouri, but I could not get an address of their Missouri office to compare it with the address on the Attorney General response from Client Services. I looked at job listings for NCO Financial in Missouri, and LO AND BEHOLD they are looking for collectors for NCO at the same address as Client Services. This is proof the company evaded investigation in Missouri by crossing state lines. Consumer Abuse in it's finest.

[email protected] This is my latest piece of information courtesy of the Better Business Bureau. Innundate Lisa's in-box. Also contact your senator to support some of the Fair Debt Collection practices Act Modernization Reform. This will include higher fines against abusive practices, prohibiting calls on wireless phones, tighter restrictions on calls at the place of employment (once a month maximum and ONLY if they have no other number to reach you). Lots of good ideas - visit the FTC website for the details.