NCO Financial is a Debt CollectionAgency.
In this case they were representing my Credit Card company regarding a $59 minimum payment on a credit card due 4/15/11.
At the time of my initial interaction with NCO the account was 10 days past due. On 4/25/11, I voluntarily called my Credit Card company to make the $59 payment in full and became entangled with NCO Financial's Philippines Call Center.
It took numerous calls on 4/25/11 to finally reach my Credit Card company's Collections Department directly, make payment via E-check, and resolve the matter with my Credit Card company. My Credit Card company even reversed, as a courtesy, their $39 late fee.
On 4/27/11, around 9 am, two days after payment to my Credit Card company was made, NCO called a Third Party Phishing for information about me. They contacted a Non Blood Relative who lives 30 miles away. NCO called their unlisted number. They gave NCO no information about me, told them they did not know me, that this was their unlisted number and to stop calling them.. NCO told them to expect further calls. NCO's name and their phone number were captured on Caller
My Non Blood Relative left me a voice mail message later that day notifying me about NCO's phone call. I then contacted NCO after 7 pm on 4/27/11 and was routed to NCO's Philippines Call Center eventually speaking to a Jimmy Santos, Manager.
Santos acknowledged that NCO had used a Skip-Trace to contact a Third Party in a Phishing attempt on 4/27/11. Santos acknowledged that NCO had a record of my 4/25/11 $59 payment to my Credit Card company in their system since 4/26/11. Santos acknowledged that NCO had a record of the 4/25/11 $39 late fee refund from my Credit Card company in their system since 4/26/11.
Santos offered a lame excuse as to why my up-to-date credit card account was still with them in a collection mode. He claimed my Credit Card company did not have a current phone contact number (not true as later verified with my Credit Card company) and that my account was $7 over the credit limit (not an issue or concern as later verified with my Credit Card company).
Am I angry at these predatory tactics? You bet!
Filed a complaint with the FTC, my State Attorney General, my State Department of Consumer Protection.
This is what anybody wrongly harrassed by NCO or any other Debt Collector should do.
Google NCO Financial -- nothing but complaints of abuse and examples of Federal and State law violations by NCO.
They are the lowest of low lifes