• Report: #94555

Complaint Review: NCO Financial Systems AKA NCO Group

  • Submitted: Fri, June 11, 2004
  • Updated: Thu, May 27, 2010

  • Reported By:Lynchburg Virginia
NCO Financial Systems AKA NCO Group
PO Box 41747 Philadelphia, Pennsylvania U.S.A.

NCO Financial Systems AKA NCO Group Rude, Disrespectful Company that couldn't care less about your problems! Philadelphia Pennsylvania

*Consumer Comment: Jennifer powell no longer works with nco the verbal abusive collector

*Consumer Comment: FYI About NCO Fraud a few years back...

*Consumer Comment: Jennifer is pissed because she lost her commission

*Consumer Suggestion: NCO GROUP DISHONEST HATEFUL & BOLD FACE LIARS!! JENNIFER POWELL BOLD FACE LIAR

*Consumer Comment: THIS GOES TO EMPLOYEE W/ INSIDE INFO

*Consumer Suggestion: You are NOT powerless... FIGHT BACK!

*Consumer Suggestion: You are NOT powerless... FIGHT BACK!

*Consumer Suggestion: You are NOT powerless... FIGHT BACK!

*Consumer Suggestion: You are NOT powerless... FIGHT BACK!

*UPDATE Employee: Unwanted Calls - Check the laws where you live

*Consumer Suggestion: Research your state's Statute of Limitations

*Consumer Suggestion: They have to honor your request for no communication if you send it in writing.

*Author of original report: Dickheads Needs To Think Before They Speak!

*Consumer Comment: Get real, you strike me as a deadbeat

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I have been harassed by NCO off and on for a few years now, with the most recent harassment starting just a few months ago with regard to a utility account and 2 cell phone accounts (One with T-Mobile and the other with Alltel).

I had them stop contacting me regarding those accounts (and NCO bought my account with T-Mobile from Bay Area Credit Service based in California). Now they are harassing me about an account from their client American Electric Power which is over 6 years old. I have been called numerous times a day starting anywhere from 8 AM til 8 PM. I have encountered a few nasty individuals from their company, and have had some very rude remarks made to me.

One individual had the nerve to ask me to borrow the money to pay the $137 debt, and when I told him I would not do that, he then asked me why my parents could not pay the debt. I told him that it was not my parent's responsibility, and that I didn't want him calling my house anymore (he had an arab or pakistani accent). He said well, if this is your house, how are you maintaining it. I told him that it was my parents' house and they were currently supporting both me and my 17 month old son, since I had been fired from my job over 2 years ago. Of course he didn't care about that, and still demanded some form of payment to be made.

I told him not to call me anymore, and hung up the phone. A few weeks later, a young lady called and asked to speak to me. I noticed that on my caller ID, any time a bill collector is calling it will display "out of area" with no number listed. I acknowledged that she was speaking to whom she asked for and she identified herself and the reason for the call. I told her that I had just spoken with one of her other colleagues and asked not to be contacted regarding this debt.

I informed her that I was receiving voice automated calls telling me to call an 800 number regarding a personal business matter. I told her as I told all the other reps, that I am not currently employed and am currently on public assistance since I am not able to find suitable work in the region in which I live. I informed her that I only receive $250 a month for both me and my son and I have no other source of income, and that for her not to contact me again.

I told her that when I became gainfully employed I would glady pay the amount owed. She proceeded to tell me that "if I paid my bills, then they would have no reason to call." Well, that completely pissed me off, so I told her not to call and hung up the phone.

I have visited their website numerous times and sent emails to them requesting not to be contacted at my place of residence regarding this debt. Still, they insist on contacting me. This morning, I received a phone call from a gentleman named "Kailash". Interestingly, he was not as rude as most of the others, but the fact that he contacted me at all was the problem.

Do these people not understand English? I mean, considering that they aren't from America anyway, I see how that would be an issue. I am fed up with the harassment and have filed a complaint with the Better Business Bureau in PA. I don't have to be treated this way for uncontrollable circumstances, and seeing how many other people across the country have had problems with this company, I don't understand why nothing has been done to change the way they conduct themselves or their business.

Collections agencies have gotten just as bad as telemarketers. They have even been rude to my mother on the phone when she asked what the call was in reference too. Hell, this is her phone and her house, so she has every right to inquire about someone who calls. I have gone to great lengths to get these people off my back, and in another 6 months or so, the debt will be gone anyway because a span of 7 years will have elapsed. I hope all debt collectors out there rot in hell and that nothing good ever comes to you.

People like those at NCO give all debt collectors a bad name. Why can't you just heed what people ask of you and not call? What is so hard about it? My next step would be to file a suit for harassment, and I know they don't want that. Thanks for letting me vent.

Fed up Single Mom in VA

Andrea
Lynchburg, Virginia
U.S.A.

Click here to read other Rip Off Reports on NCO Financial

This report was posted on Ripoff Report on 06/11/2004 03:29 PM and is a permanent record located here: http://www.ripoffreport.com/r/NCO-Financial-Systems-AKA-NCO-Group/Philadelphia-Pennsylvania-19101/NCO-Financial-Systems-AKA-NCO-Group-Rude-Disrespectful-Company-that-couldnt-care-less-ab-94555. The posting time indicated is Arizona local time. Arizona does not observe daylight savings so the post time may be Mountain or Pacific depending on the time of year.

Ripoff Report has an exclusive license to this report. It may not be copied without the written permission of Ripoff Report.

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#1 Consumer Comment

Jennifer powell no longer works with nco the verbal abusive collector

AUTHOR: Charles - (USA)

Jennifer powell no longer works with nco.  Perhaps she was just threatening to many people.  But nco denies her abusing me verbally.  I call her back telling her to go ahead & try to get me introuble.  I have not heard a word from nco or the b***h again.

She wasn't making me pay anything,  talking to me like that.  Nobody threatens me or verbally abusies me to try to make me do anything.  But the bill did get paid.  Nco sent It back to the creditor.  I paid them directly.

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#2 Consumer Comment

FYI About NCO Fraud a few years back...

AUTHOR: Megan - (U.S.A.)

Just an FYI. I worked for another collection agency in the area. I found out a few years ago that NCO was investigated for fraudulant practices. It turns out that collectors were threatening debtors that they (collectors) have a copy of the debtors credit report and if there were any open credit cards with a balance they were threating to charge one of the credit cards to get a payment out of the debtor. As I heard it (from the owner of my collection agency) several complaints were filed with the PA State Attorney General's office. A full investigation was done. I don't recall the outcome but I'm sure if you contact the state attorney general's office you could find out. Just be careful and watch any credit cards that you may have open with available balances on. The were told they couldn't do that anymore but some people don't listen or learn from their mistakes. Best of Luck!
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#3 Consumer Comment

Jennifer is pissed because she lost her commission

AUTHOR: Valari - (U.S.A.)

Dude:

Jennifer is pissed off and threatened you because you made a deal with some other rep in her company and now that person gets the $$$ on your deal. She lost her commission!! THAT is why she accused you and threatened you. Now is that pathetic or what? Just a prime example of the type of person these places employ. TOTAL MORON. I wouldn't waste any sleep over her, as a matter of fact if you hear from old Jenny again laugh at her and tell her that her big problem is she lost her commission because she was rude and abusive and should blame no one but herself. That will REALLY tick her off. Give her a bad day!!!
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#4 Consumer Suggestion

NCO GROUP DISHONEST HATEFUL & BOLD FACE LIARS!! JENNIFER POWELL BOLD FACE LIAR

AUTHOR: Charles - (U.S.A.)

I,to recently dealt with nco group they purchased this credit card account and began harassing me bye mail and bye phone let me explain what first had happen i got a letter stating that they had purchased my credit card account,also they had added more intertest to what i had already paid down from my previous balance that was reported from my credit card company and that more interest will be applied to any unpaid balance.

The following week,i contacted NCO regarding the added interest this was back in Oct.04 i suppose (JENNIFER POWELL) answered the phone i told her about the added interest to my account and told that they can't add any extra interest she then became rude and disrectful & hateful and told me oh yes they can that pissed me off!!! after how she talked to me like that and then i hung the phone up in her face because i was not going to be talked to like that!.

I,then called bye to speak with another represinative with bye the name of (JOHN LONGER) i made payment aggrangement's only stating i would pay half the amount they agreed to it then it was settled.

Then about, 45 minutes after this (JENNIFER POWELL) called me back it was an out of area call so i didn't answer it i never answer out of area call's then jennifer powell left a precieved and very threatning hostile message on my voicemail accusing me of phone call harassment calling her company and hanging up she is a d**n bold face liar she said that she had been notified that i have been calling her company and hanging up this is a bold face lie and she demanded that i don't do that and advise me to only talk to her to set up payment aggrangement to pay this bill.

That,pissed me of something terrible accusing me of something i had not done i hung the phone hung in her face because of how rude and disrecpectful & how hateful she talked to me before she was pissed off because i didn't take any of her s**t and she wanted to harass me & try to accuse me of something i had not done,she had no right to speak to me like that because i told her i wasn't going to pay any extra interest i said it in a nice way to but she couldn't be nice back instead she chose to be rude and nasty toward me,that is why i hung up the phone in her face and she couldn't stand it because i took up for myself but she had no right to harass me calling my house and accusing me of thing's i had not done know i refuse to speak to them regarding my credit card bill i have filed a complaint for with the BBB for their harassment and falsely accusing me of phone call harassment why they was the ones doing the phone call harassment to me.Nobody, has the right to lie about you or they don't have the right to falsely accuse you of something you had not done (JENNIFER POWELL) is a liar i will not put up with being falsely accused of thing's i have not had done they have no right to do it she was just pissed off because i hung up the phone her face for being rude to me and she wanted to try and get me upset because she didn't get her way bye talking nasty toward me which is all she wanted to do she has no right to falsely accuse me of anything and i will not put up with any of her abuse or any other collection agency's abuse that just pissed me of what she said on my voicemail and how down she talked to me.

They were the ones harassing me and then they have the nerve to accuse me of phone call harassment she demanded me not to call her company and harass them which is a d**n bold face lie!!!! now i refuse to speak to them all togather for them accusing me of this who the hell!!!!!

who do these collection agency's think they are treating you like this well i will not put up with it she had no right to call me up and harass me and leave a threatning and hostile message on my voicemail.Jennifer powell is a liar!!!! and i will not take any of her abuse i have made tape recording's of her threatning and abusing message NCO IS A BAD COLLECTION AGENCY!!!!!! & jennifer powell is a bold face liar!!!! has well.
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#5 Consumer Comment

THIS GOES TO EMPLOYEE W/ INSIDE INFO

AUTHOR: JEN - (U.S.A.)

To the employee with inside info using the name "Mark" from Canada. I am very interested in any info you are willing to provide. I know you stated that anyone who wants to know more to respond via this thread. Are employees told to harass these people? If not, why do the higher positioned people allow it to happen? I would love to get in touch with you, I understand however if that is not something you are interested in, but any info would be great!
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#6 Consumer Suggestion

You are NOT powerless... FIGHT BACK!

AUTHOR: Bonnie - (U.S.A.)

Okay, Yeah, Collection Agencies in general break the rules all the time. But, hey, that's why there is the Fair Debt Collection Act (FDCA).

My suggestions:

1. KNOW YOUR RIGHTS!

That's the first step to stopping this type of abuse. You can go to the following link and read all of the particulars on the FDCA. Companies hate it when you submit a letter to them (you can do this via a fax number and keep the transmission report as proof!), and within it quote to the the portions, including exactly which sections of the FDCA they are breaking:
http://www.fair-debt-collection.com/

That website is also grand for tweaking a form letter for all sorts of debt issue resolutions, from offers of settlement to all sorts of information on how to fight back among which is the option to fax/mail out a CEASE AND DESIST letter. Where you tell them which portions of the FDCA they are breaking and that they are to CEASE & DESIST further contact. Oh, and it's even more fun to carbon copy (making sure you CC: at the bottom of your letter) the FCC (via the online complaint system (see info. below) and provide the complaint number and also carbon copy the Atty. General's office of the state they are physically located. But, make sure you include information outlined below, contact dates, times, names and exactly what happened and what was said, done to outline how they broke the FDCA! Bet you won't get any more harassing phone calls!

Example of helpful hints from the above website: The "FDCA" act prohibits debt collectors from communicating with you by phone before 8 a.m. or after 9 p.m. and from calling you on certain days.

Also do some internet research on things like the statue of limitations for debts in the state the debt was originated in, you'd be amazed what you find it's very informative! (there are links to this info. on the above website).

2. KEEP A LOG OF DETAILS:

When a Debt Collector calls make sure you get the following information. If they refuse to provide it to you, make note of that also, KEEP NOTES!:
1. Date of Call
2. Exact Time of Call
(or approx. if you are not by a clock)
3. Debt Collector's Company's Name
4. Debt Collector's Mailing Address
(if you do not already have it)
5. Individual's name and reference/ID number to whom you are speaking.
6. Location of the call center where they are located. Debt Collectors often use several call centers, this will help trace back the person if they get abusive and you want to file a report on them later.
7. Write notes immediately after the call about exactly what transpired (if not during the call - I prefer during so I don't forget the nasty details).

3. DON'T SINK TO THEIR LEVEL:

If someone gets abusive, tell them that you do not have to listen to someone being abusive which is against the law according to the FDCA and HANG UP! IT'S NOT WORTH ARGUING YOU WON'T WIN!

4. FILE A COMPLAINT:

If (after reading the FDCA as linked above) you find that the Collector is breaking the law, you have several optoins:

1. Contact the Federal Communication Commission (FCC), who regulates the Fair Debt Collection Act (FDCA). File a complaint using their online complaint form:
https://rn.ftc.gov/pls/dod/wsolcq$.startup?Z_ORG_CODE=PU01

2. File a Complaint with the Better Business Bureau (BBB) (http://www.bbbonline.org). Note, the BBB is a voluntary business organization. Companies pay to be members, so the standard abusive company really doesn't care if you file a report. HOWEVER! You will add to your documentation, as the BBB will send you correspondence that they received your complaint AND they will attempt to contact the company and address the complaint (and sometimes they get resolution).

3. **** IMPORTANT****
Contact the State's Attorney General's Office IN THE STATE WHERE THE DEBT COLLECTOR IS LOCATED! These are the guys that are going to log complaints and have the power to do something about it! They can file a Cease and Desist Order. They can bring suit against the Company and better yet, SPECIFIC individual's or the Officer's of that Company! You can also file a complaint in the state in which you reside, but, it's most important to do so in the state in which they do business, because more likely than not, they are regulated by that state's business licensing branch. Which means, enough actual complaints equals fines (hit them in their wallets!) and possibly loss of their business license!


Well, that's about it, I hope all of the above information and the links helps you out.

I've used the above on occasion when my car loan's company representative was being abusive and did something truly stupid. She called me 6 times in one day and left me nasty messages on my answering machine. I did the above steps and amazingly enough..poof! funny, she was no longer assigned to my account (I think she got fired) and the next representative was ALWAYS cordial. BTW, I've paid off my loan completely..so there.. :P

I have also used the above for a Debt Collector that tried to threaten me with reporting to a national database for a bad check from 10 years ago, which I tried to dispute, but they refused to give me a copy of the actual check (so I could see if it was my handwritting), besides several instances of verbal abuse and threats. Once I followed the above steps (complaint filing and faxed letter), funny, never heard from them again. Though I did find out that there was multiple instances of complaints and the Atty. General of that state was investigating them.

Sincerely,

B.There & D.That

P.S. Let He who hath no.... (well, you know the rest -- I HOPE!..*laughs*)..Life Happens, don't forget that someone else's situation could one day be your own.
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#7 Consumer Suggestion

You are NOT powerless... FIGHT BACK!

AUTHOR: Bonnie - (U.S.A.)

Okay, Yeah, Collection Agencies in general break the rules all the time. But, hey, that's why there is the Fair Debt Collection Act (FDCA).

My suggestions:

1. KNOW YOUR RIGHTS!

That's the first step to stopping this type of abuse. You can go to the following link and read all of the particulars on the FDCA. Companies hate it when you submit a letter to them (you can do this via a fax number and keep the transmission report as proof!), and within it quote to the the portions, including exactly which sections of the FDCA they are breaking:
http://www.fair-debt-collection.com/

That website is also grand for tweaking a form letter for all sorts of debt issue resolutions, from offers of settlement to all sorts of information on how to fight back among which is the option to fax/mail out a CEASE AND DESIST letter. Where you tell them which portions of the FDCA they are breaking and that they are to CEASE & DESIST further contact. Oh, and it's even more fun to carbon copy (making sure you CC: at the bottom of your letter) the FCC (via the online complaint system (see info. below) and provide the complaint number and also carbon copy the Atty. General's office of the state they are physically located. But, make sure you include information outlined below, contact dates, times, names and exactly what happened and what was said, done to outline how they broke the FDCA! Bet you won't get any more harassing phone calls!

Example of helpful hints from the above website: The "FDCA" act prohibits debt collectors from communicating with you by phone before 8 a.m. or after 9 p.m. and from calling you on certain days.

Also do some internet research on things like the statue of limitations for debts in the state the debt was originated in, you'd be amazed what you find it's very informative! (there are links to this info. on the above website).

2. KEEP A LOG OF DETAILS:

When a Debt Collector calls make sure you get the following information. If they refuse to provide it to you, make note of that also, KEEP NOTES!:
1. Date of Call
2. Exact Time of Call
(or approx. if you are not by a clock)
3. Debt Collector's Company's Name
4. Debt Collector's Mailing Address
(if you do not already have it)
5. Individual's name and reference/ID number to whom you are speaking.
6. Location of the call center where they are located. Debt Collectors often use several call centers, this will help trace back the person if they get abusive and you want to file a report on them later.
7. Write notes immediately after the call about exactly what transpired (if not during the call - I prefer during so I don't forget the nasty details).

3. DON'T SINK TO THEIR LEVEL:

If someone gets abusive, tell them that you do not have to listen to someone being abusive which is against the law according to the FDCA and HANG UP! IT'S NOT WORTH ARGUING YOU WON'T WIN!

4. FILE A COMPLAINT:

If (after reading the FDCA as linked above) you find that the Collector is breaking the law, you have several optoins:

1. Contact the Federal Communication Commission (FCC), who regulates the Fair Debt Collection Act (FDCA). File a complaint using their online complaint form:
https://rn.ftc.gov/pls/dod/wsolcq$.startup?Z_ORG_CODE=PU01

2. File a Complaint with the Better Business Bureau (BBB) (http://www.bbbonline.org). Note, the BBB is a voluntary business organization. Companies pay to be members, so the standard abusive company really doesn't care if you file a report. HOWEVER! You will add to your documentation, as the BBB will send you correspondence that they received your complaint AND they will attempt to contact the company and address the complaint (and sometimes they get resolution).

3. **** IMPORTANT****
Contact the State's Attorney General's Office IN THE STATE WHERE THE DEBT COLLECTOR IS LOCATED! These are the guys that are going to log complaints and have the power to do something about it! They can file a Cease and Desist Order. They can bring suit against the Company and better yet, SPECIFIC individual's or the Officer's of that Company! You can also file a complaint in the state in which you reside, but, it's most important to do so in the state in which they do business, because more likely than not, they are regulated by that state's business licensing branch. Which means, enough actual complaints equals fines (hit them in their wallets!) and possibly loss of their business license!


Well, that's about it, I hope all of the above information and the links helps you out.

I've used the above on occasion when my car loan's company representative was being abusive and did something truly stupid. She called me 6 times in one day and left me nasty messages on my answering machine. I did the above steps and amazingly enough..poof! funny, she was no longer assigned to my account (I think she got fired) and the next representative was ALWAYS cordial. BTW, I've paid off my loan completely..so there.. :P

I have also used the above for a Debt Collector that tried to threaten me with reporting to a national database for a bad check from 10 years ago, which I tried to dispute, but they refused to give me a copy of the actual check (so I could see if it was my handwritting), besides several instances of verbal abuse and threats. Once I followed the above steps (complaint filing and faxed letter), funny, never heard from them again. Though I did find out that there was multiple instances of complaints and the Atty. General of that state was investigating them.

Sincerely,

B.There & D.That

P.S. Let He who hath no.... (well, you know the rest -- I HOPE!..*laughs*)..Life Happens, don't forget that someone else's situation could one day be your own.
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#8 Consumer Suggestion

You are NOT powerless... FIGHT BACK!

AUTHOR: Bonnie - (U.S.A.)

Okay, Yeah, Collection Agencies in general break the rules all the time. But, hey, that's why there is the Fair Debt Collection Act (FDCA).

My suggestions:

1. KNOW YOUR RIGHTS!

That's the first step to stopping this type of abuse. You can go to the following link and read all of the particulars on the FDCA. Companies hate it when you submit a letter to them (you can do this via a fax number and keep the transmission report as proof!), and within it quote to the the portions, including exactly which sections of the FDCA they are breaking:
http://www.fair-debt-collection.com/

That website is also grand for tweaking a form letter for all sorts of debt issue resolutions, from offers of settlement to all sorts of information on how to fight back among which is the option to fax/mail out a CEASE AND DESIST letter. Where you tell them which portions of the FDCA they are breaking and that they are to CEASE & DESIST further contact. Oh, and it's even more fun to carbon copy (making sure you CC: at the bottom of your letter) the FCC (via the online complaint system (see info. below) and provide the complaint number and also carbon copy the Atty. General's office of the state they are physically located. But, make sure you include information outlined below, contact dates, times, names and exactly what happened and what was said, done to outline how they broke the FDCA! Bet you won't get any more harassing phone calls!

Example of helpful hints from the above website: The "FDCA" act prohibits debt collectors from communicating with you by phone before 8 a.m. or after 9 p.m. and from calling you on certain days.

Also do some internet research on things like the statue of limitations for debts in the state the debt was originated in, you'd be amazed what you find it's very informative! (there are links to this info. on the above website).

2. KEEP A LOG OF DETAILS:

When a Debt Collector calls make sure you get the following information. If they refuse to provide it to you, make note of that also, KEEP NOTES!:
1. Date of Call
2. Exact Time of Call
(or approx. if you are not by a clock)
3. Debt Collector's Company's Name
4. Debt Collector's Mailing Address
(if you do not already have it)
5. Individual's name and reference/ID number to whom you are speaking.
6. Location of the call center where they are located. Debt Collectors often use several call centers, this will help trace back the person if they get abusive and you want to file a report on them later.
7. Write notes immediately after the call about exactly what transpired (if not during the call - I prefer during so I don't forget the nasty details).

3. DON'T SINK TO THEIR LEVEL:

If someone gets abusive, tell them that you do not have to listen to someone being abusive which is against the law according to the FDCA and HANG UP! IT'S NOT WORTH ARGUING YOU WON'T WIN!

4. FILE A COMPLAINT:

If (after reading the FDCA as linked above) you find that the Collector is breaking the law, you have several optoins:

1. Contact the Federal Communication Commission (FCC), who regulates the Fair Debt Collection Act (FDCA). File a complaint using their online complaint form:
https://rn.ftc.gov/pls/dod/wsolcq$.startup?Z_ORG_CODE=PU01

2. File a Complaint with the Better Business Bureau (BBB) (http://www.bbbonline.org). Note, the BBB is a voluntary business organization. Companies pay to be members, so the standard abusive company really doesn't care if you file a report. HOWEVER! You will add to your documentation, as the BBB will send you correspondence that they received your complaint AND they will attempt to contact the company and address the complaint (and sometimes they get resolution).

3. **** IMPORTANT****
Contact the State's Attorney General's Office IN THE STATE WHERE THE DEBT COLLECTOR IS LOCATED! These are the guys that are going to log complaints and have the power to do something about it! They can file a Cease and Desist Order. They can bring suit against the Company and better yet, SPECIFIC individual's or the Officer's of that Company! You can also file a complaint in the state in which you reside, but, it's most important to do so in the state in which they do business, because more likely than not, they are regulated by that state's business licensing branch. Which means, enough actual complaints equals fines (hit them in their wallets!) and possibly loss of their business license!


Well, that's about it, I hope all of the above information and the links helps you out.

I've used the above on occasion when my car loan's company representative was being abusive and did something truly stupid. She called me 6 times in one day and left me nasty messages on my answering machine. I did the above steps and amazingly enough..poof! funny, she was no longer assigned to my account (I think she got fired) and the next representative was ALWAYS cordial. BTW, I've paid off my loan completely..so there.. :P

I have also used the above for a Debt Collector that tried to threaten me with reporting to a national database for a bad check from 10 years ago, which I tried to dispute, but they refused to give me a copy of the actual check (so I could see if it was my handwritting), besides several instances of verbal abuse and threats. Once I followed the above steps (complaint filing and faxed letter), funny, never heard from them again. Though I did find out that there was multiple instances of complaints and the Atty. General of that state was investigating them.

Sincerely,

B.There & D.That

P.S. Let He who hath no.... (well, you know the rest -- I HOPE!..*laughs*)..Life Happens, don't forget that someone else's situation could one day be your own.
Respond to this report!
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#9 Consumer Suggestion

You are NOT powerless... FIGHT BACK!

AUTHOR: Bonnie - (U.S.A.)

Okay, Yeah, Collection Agencies in general break the rules all the time. But, hey, that's why there is the Fair Debt Collection Act (FDCA).

My suggestions:

1. KNOW YOUR RIGHTS!

That's the first step to stopping this type of abuse. You can go to the following link and read all of the particulars on the FDCA. Companies hate it when you submit a letter to them (you can do this via a fax number and keep the transmission report as proof!), and within it quote to the the portions, including exactly which sections of the FDCA they are breaking:
http://www.fair-debt-collection.com/

That website is also grand for tweaking a form letter for all sorts of debt issue resolutions, from offers of settlement to all sorts of information on how to fight back among which is the option to fax/mail out a CEASE AND DESIST letter. Where you tell them which portions of the FDCA they are breaking and that they are to CEASE & DESIST further contact. Oh, and it's even more fun to carbon copy (making sure you CC: at the bottom of your letter) the FCC (via the online complaint system (see info. below) and provide the complaint number and also carbon copy the Atty. General's office of the state they are physically located. But, make sure you include information outlined below, contact dates, times, names and exactly what happened and what was said, done to outline how they broke the FDCA! Bet you won't get any more harassing phone calls!

Example of helpful hints from the above website: The "FDCA" act prohibits debt collectors from communicating with you by phone before 8 a.m. or after 9 p.m. and from calling you on certain days.

Also do some internet research on things like the statue of limitations for debts in the state the debt was originated in, you'd be amazed what you find it's very informative! (there are links to this info. on the above website).

2. KEEP A LOG OF DETAILS:

When a Debt Collector calls make sure you get the following information. If they refuse to provide it to you, make note of that also, KEEP NOTES!:
1. Date of Call
2. Exact Time of Call
(or approx. if you are not by a clock)
3. Debt Collector's Company's Name
4. Debt Collector's Mailing Address
(if you do not already have it)
5. Individual's name and reference/ID number to whom you are speaking.
6. Location of the call center where they are located. Debt Collectors often use several call centers, this will help trace back the person if they get abusive and you want to file a report on them later.
7. Write notes immediately after the call about exactly what transpired (if not during the call - I prefer during so I don't forget the nasty details).

3. DON'T SINK TO THEIR LEVEL:

If someone gets abusive, tell them that you do not have to listen to someone being abusive which is against the law according to the FDCA and HANG UP! IT'S NOT WORTH ARGUING YOU WON'T WIN!

4. FILE A COMPLAINT:

If (after reading the FDCA as linked above) you find that the Collector is breaking the law, you have several optoins:

1. Contact the Federal Communication Commission (FCC), who regulates the Fair Debt Collection Act (FDCA). File a complaint using their online complaint form:
https://rn.ftc.gov/pls/dod/wsolcq$.startup?Z_ORG_CODE=PU01

2. File a Complaint with the Better Business Bureau (BBB) (http://www.bbbonline.org). Note, the BBB is a voluntary business organization. Companies pay to be members, so the standard abusive company really doesn't care if you file a report. HOWEVER! You will add to your documentation, as the BBB will send you correspondence that they received your complaint AND they will attempt to contact the company and address the complaint (and sometimes they get resolution).

3. **** IMPORTANT****
Contact the State's Attorney General's Office IN THE STATE WHERE THE DEBT COLLECTOR IS LOCATED! These are the guys that are going to log complaints and have the power to do something about it! They can file a Cease and Desist Order. They can bring suit against the Company and better yet, SPECIFIC individual's or the Officer's of that Company! You can also file a complaint in the state in which you reside, but, it's most important to do so in the state in which they do business, because more likely than not, they are regulated by that state's business licensing branch. Which means, enough actual complaints equals fines (hit them in their wallets!) and possibly loss of their business license!


Well, that's about it, I hope all of the above information and the links helps you out.

I've used the above on occasion when my car loan's company representative was being abusive and did something truly stupid. She called me 6 times in one day and left me nasty messages on my answering machine. I did the above steps and amazingly enough..poof! funny, she was no longer assigned to my account (I think she got fired) and the next representative was ALWAYS cordial. BTW, I've paid off my loan completely..so there.. :P

I have also used the above for a Debt Collector that tried to threaten me with reporting to a national database for a bad check from 10 years ago, which I tried to dispute, but they refused to give me a copy of the actual check (so I could see if it was my handwritting), besides several instances of verbal abuse and threats. Once I followed the above steps (complaint filing and faxed letter), funny, never heard from them again. Though I did find out that there was multiple instances of complaints and the Atty. General of that state was investigating them.

Sincerely,

B.There & D.That

P.S. Let He who hath no.... (well, you know the rest -- I HOPE!..*laughs*)..Life Happens, don't forget that someone else's situation could one day be your own.
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#10 UPDATE Employee

Unwanted Calls - Check the laws where you live

AUTHOR: Mark - (Canada)

Yes, I am an employee of this company and I truly feel your pain. Check the laws where you live. The phone is your parents, not yours. If your parents tell a collection agency not to call and please also do it in writing as previously mentioned, then they do not have the right to call there.

Also, in some parts of Canada, if you are on Welfare, we are not allowed to ask for money. Check that out. Also check out your laws on your S.O.L. whether it is 6 or 7 years. Some parts of Canada is 1 or 2 years. Keep in mind if you acknowledge the debt in any way shape or form, the S.O.L starts all over again. It does not have to be a payment. Even sending in a letter acknowledging the debt is enough.

For an example you write a letter stating your situation and you have no money at this time to pay.....you have acknowledged the debt. So when sending in your letter not to call any more, do not mention that you cannot afford it. Just have your parents state in a letter that the phone number is theirs and not to call for you any more. Keep a copy of it and send it registered. Have it witnessed.

Why am I telling you this you might ask?

This company treats its employee very much the same way some collectors treat debtors. I am not saying this makes it right. I am saying that employees get threatened and intimidated all the time. We are made to work hours for no pay (Mmm, sounds like slave labour) Oh, they say we are on salary and we are paid to hit our quotas and don't have to pay overtime. What, do they think we are all stupid? We have checked the labour board and by law they must pay. However, if we go to the labour board and demand to be paid, then the company fires you for the first tiny thing you do wrong (like 1 minuet late back to your desk). Funny, demanded that we come in for 4 hours on Saturday WITH NO PAY, but need to leave 2 hours early for a doctors appointment and our cheque gets deducted. I am not saying this so debtors sympathize. Just remember that the (probably new, young) collector at the other end has probably just got ripped by a supervisor and feeling very intimidated and perhaps maybe just told by the supervisor to tell the debtor we are suing them (oh, not allowed to do that either). When a collector calls a debtor and is rude, that is TOTALLY uncalled for and should be reported IMMEDIATELY.
First, make sure you write down the date and time of the call and the name of the collector. The computer at the collector's desk keeps very accurate logs of the time of day calls are made. So if your time is the same as the time on the file, it is pretty hard for the company or collector to say the call was never placed. Don't waste your time calling the Better Business Bureau. Not saying not to but it really is a waste of time. Do you really think that debtors call them to find out which agency is the worse? Make sure you call your government agency that licences us. Trust me, they thrive on getting complaints on us. Hell, do a search on Google for NCO Group and read about the 1.5 million dollar fine we got. Here, it is called Consumer and Corporate Affairs, or the Fair Trades Act. Remember this also; if a collector talks to ANYONE other than the debtor about an account in any way shape or form, it is grounds to MAJOR disciplinary action. For example, lets say the husband/boyfriend is the debtor. If we call the residence and the wife or any other 3rd party answers the phone and he is not there, all we can do is leave a message to call back. If the collector says it is in regards to (the creditor), oops, big trouble. Maybe the guy didn't want his wife or girlfriend to know he had this debt. Now we have caused them to have this big fight and who knows what could happen. The company will get fined and the collector can also get personally fined and depends on the infraction, can even go to jail. Not kidding people, infractions are taken EXTREMELY seriously. There is an instance right now where an employee in Canada (I wont say where) is possibly looking at a $100,000.00 fine and possibly even jail time. Will this happen? Time will tell. Probably get fired for sure. What this collector did was call an employer, talked to the payroll department gave the debtors name and said a garnishee was going to be issued and told the woman in payroll who the debtor owed the money to. NOT ALLOWED TO DO THAT. Heck, the file wasn't even sued yet. Can't garnishee without a judgment. Not supposed to discuss the account AT ALL. What the collector could have done and should have done was to contact the employer to verify employment, and get the legal name and address of the company without revealing any info what so ever.
I am going to be honest here. The email address I used is not mine. I don't know how much power the big shots in this company has and it scares me that they can possible get a court order and force hotmail.com to release my real name. As it stands my IP is probably logged. Listen folks, I have inside info that would blow your socks off. I can also tell you how to avoid a debt. Is that the right thing to do? Probably not. But you know something. If our company treats you with total disrespect, then why would you pay? As a matter of fact, all debtors should hope and pray for an ignorant abusive collector to contact them. Use that ammo to get rid of the problem and probably your debt as well. That's right, the company would more than likely pay the account for you. But remember, you have to file a complaint with the Government office in your area that licences collection agencies and its collectors.

Anyway, to the single mom; Good luck. I wish you the best for the future.

If anyone wants to know more or has any questions, please ask here and we can start a new thread. Sorry about the email address and no, that is not my real name.

;)
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#11 Consumer Suggestion

Research your state's Statute of Limitations

AUTHOR: Scott - (U.S.A.)

If you debt is over 6 years old, I would recommend that you check with your state or an attorney and find out if the debt has reached its collectable "Statute of Limitations". In New York State, for example, most charged-off consumer debt can only be collectable through judicial proceedings for a maximum of 6 years. After that, they can call you all they want, but you will have no legal responsibility to pay up. Also, send them (an attorney can be helpful with this as well) a "Do Not Contact" letter by certified mail. Be sure to state that you do no want to be contacted by phone, mail, other electronic means, and you do not want them to contact your friends, neighbors, co-workers or relatives. Then if they do try to contact you through one of the above methods, you can sue them. If your debt is past the "statute of limitations" and you send them the "do not contact" letter, you can wash your hands of the whole mess.
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#12 Consumer Suggestion

They have to honor your request for no communication if you send it in writing.

AUTHOR: Tammy - (U.S.A.)

It sounds like this debt is well beyond the statute of limitations which means that the statute of limitations can be an affirmative defense if they should try and sue.

Read about the FDCPA act which can be found in the credit law section at the www.cardreport.com site.

To get them to leave you alone, you have to send a WRITTEN letter demanding that they cease contact with you and inform them that your debt is beyond SOL and that you are not to be contacted anymore. Send it certified mail, registered receipt.

They have to honor your request for no communication if you send it in writing.

However NCO rarely obeys the laws so it is always good to keep a paper trail and start logging the calls.

Good luck.
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#13 Author of original report

Dickheads Needs To Think Before They Speak!

AUTHOR: Andre - (U.S.A.)

First of all, I have a college education, and you're d**n right that McDonalds is beneath me. You don't know me or s**t about my situation, so you need to get your info straight before you go running your d**n mouth! I am an educated BLACK woman, and my child was NOT born out of wedlock! My ex-husband who is his father made the decision to walk out on his child and I when my son was 2 months old! Thirdly, you are a dumbass for even bringing race into this. No, I do not like "mooching" off my parents. I had no where else to turn, and if you took the time to do a little research, the region I currently reside in has a very poor job market. 85% of the work in this area is in the manufacturing industry, not to mention that black people can not and will never get ahead in this region of Virginia because of racist f**kheads like you! Now, as you can see, your assumptions just made a huge a*s of yourself! I would rather have a decent job making more than minimum wage to provide for me and my son, than for the government to determine that we are only worth a measly $250 a month, which most people cannot not survive off of. F- you and your assumptions you dumb a*s cracker! And to think I am a native Philadelphian from the Germantown area, I am ashamed to even acknowledge that an idiot like you even lives in my hometown! Now, who else wants to start some bullshit?
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#14 Consumer Comment

Get real, you strike me as a deadbeat

AUTHOR: Mark - (U.S.A.)

Playing on racial prejudices is odious enough, but you strike me as a deadbeat who would prefer that the world let you off the hook because you can't find suitable work.

Let me guess, high school or high school drop out, no marketable skills, but still found time to conceive a child out of wedlock. Perhaps McDonald's is beneath someone with your skill set.

I also think you most likely avoid any type of gainful employment as it may cut into your $250 a month. I guess mooching off your folks doesn't bother you either.

Try not to be a deadbeat for the rest of your life.
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