- Report: #476738
Complaint Review: NCO Financial - Internet
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NCO Financial
www.ncofinancial.com Internet, U.S.A.
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NCO Financial harassing me for a cell bill from when I was 16 & it wasn't opened by me! Interent
So, I'm 21 years old and when I was 18 and went to try to get a car I had to have my credit ran. When it should have come up with nothing, a $400.00 Sprint bill came up. I was floored, I never had a cell phone in my name, and I had just turned 18!
I called Sprint and asked about the account, it was from 2004, and I was 16 years old. I informed them that I never had an account with them and that I was 16 at the time this account was opened. They actually apologized and said that they would take care of the charges. I was fine with that answer and went along my way. I was 18; I thought that was just fine.
I kept in mind that the year previous to the account being opened I had lost my wallet containing my Social Security card. I have proof that I ordered a new one around that time. It was also the same year I filed income tax for the first time and was claimed by someone that was not my parent. So it all kind of made some sense. Whoever got my wallet, not only got some cash, but extra tax money and a free phone.
In 2008, I bought my first home, of course my credit was run before I would be issued a mortgage and nothing of this account was on my credit. In 2009, I received a letter from NCO financial at my new address about this account.
I immediately called in panic and rage. I explained everything to them and they basically said too bad. My options, according to them, are either pay it of it will be one your credit for the next 7 years or press charges on whoever used your identity. Well, I defiantly would have pressed charges years ago had I known who did it. She gave me a hard time, even after I told her she was trying to collect a debt from someone who had been 16 at the time!
I told her to no longer contact me that I would be getting a lawyer. They continue to call me time and time again. I've told them to stop verbally and via fax.
Had I known now what I knew at 16, this may have gone differently, and I wouldn't be dealing with it now because I would've already had them in court.
Karen
riverside, New Jersey
U.S.A.
I called Sprint and asked about the account, it was from 2004, and I was 16 years old. I informed them that I never had an account with them and that I was 16 at the time this account was opened. They actually apologized and said that they would take care of the charges. I was fine with that answer and went along my way. I was 18; I thought that was just fine.
I kept in mind that the year previous to the account being opened I had lost my wallet containing my Social Security card. I have proof that I ordered a new one around that time. It was also the same year I filed income tax for the first time and was claimed by someone that was not my parent. So it all kind of made some sense. Whoever got my wallet, not only got some cash, but extra tax money and a free phone.
In 2008, I bought my first home, of course my credit was run before I would be issued a mortgage and nothing of this account was on my credit. In 2009, I received a letter from NCO financial at my new address about this account.
I immediately called in panic and rage. I explained everything to them and they basically said too bad. My options, according to them, are either pay it of it will be one your credit for the next 7 years or press charges on whoever used your identity. Well, I defiantly would have pressed charges years ago had I known who did it. She gave me a hard time, even after I told her she was trying to collect a debt from someone who had been 16 at the time!
I told her to no longer contact me that I would be getting a lawyer. They continue to call me time and time again. I've told them to stop verbally and via fax.
Had I known now what I knew at 16, this may have gone differently, and I wouldn't be dealing with it now because I would've already had them in court.
Karen
riverside, New Jersey
U.S.A.
1 Updates & Rebuttals
Ashley
Springfield,Missouri,
U.S.A.
Cease and Desist
#2Consumer Comment
Thu, August 06, 2009
If you want them to stop calling you, there are steps to take. telling them verbally or through a fax will not stop them. They are under no legal obligation to stop. You have to type up a cease and desist letter. Google it, and you can find sample letters. You have to mail a cease and desist letter to them, via certified mail, so that you have record of the request. Then the only contact they can have with you is via snail mail. Additionally, if it has been less than 30 days yuo need to request validation of the debt. Let them sue you, when you go to court show the judge your age at the time this account was created. It will be dismissed, no contract for somsone under 16 is valid.
