• Report: #398742

Complaint Review: NCO Financial Systems Inc

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  • Submitted: Sun, December 07, 2008
  • Updated: Tue, December 09, 2008

  • Reported By:Phoenix Arizona
NCO Financial Systems Inc
507 Prudential Road Horsham, Pennsylvania U.S.A.

NCO Financial Systems Inc Paid the bill and now they want more?? Horsham Pennsylvania

*Consumer Suggestion: Get outside help now!

*Consumer Suggestion: Get outside help now!

*Consumer Suggestion: Get outside help now!

*Consumer Suggestion: Get outside help now!

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So I had a debt thanks to an ex wife that as part of our divorce agreement I settled on paying it. Ok, not a big deal. I contact the company that the debt was originally with, which was bank of america. They tell me the account has been sold to collections and provide me with the number. At this point no one has even attempted to contact me so I figure this isn't going to be a huge ordeal. I was clearly mistaken.

I call up the company and have someone answer who has such a strong accent I can't understand a word he is saying. I explain to him that I am having a really hard time understanding him and it is nothing personal, but can I speak to someone else. He hangs up on me. OK. I figure he must have taken it as an insult, whatever I'll call back. Well once again I'm sent off to India because I guess the out source calls. I ask the person if there is a number in America, ideally in PA where they are supposed to be located that I could speak with and they say no. I get a manager on the phone who I can at least catch every second word from and tell them I am trying to settle a debt.

Well after a bit of back and forth requests to repeat himself, I finally get out that they are saying I owe 2198 dollars. Hm... Ok. I tell him that I believe there is a mistake because when I spoke to the bank it was 900 dollars or somewhere in that range. He gives me some speech about interest rates and so forth and says that if I am willing to pay IN FULL today, that they will settle the account for 885.00 This I find sort of funny that they are offering to settle the account for what it was really for in the first place when they've paid cents on the dollar for it anyway. Fine whatever.

I ask that they fax a statement to me saying that the debt is being settled for this amount. He says they wont send it until the payment is made because I could scam them. Hmm... no, that doesn't seem right to me. I tell him I need something in writing before I am handing over my credit card. Ok he says he will fax me something and call me after its been sent. Great. I tell him to give me a call back and I will be happy to pay it.

Well he doesn't end up sending it that day and when I call back in the next day and speak to this person he says it still hasn't been sent out. I tell him to FAX IT NOW please so I can get this done with. Finally they fax me something and I pay the full amount.

Well all of this seems fair and good and my debt is now paid right? WRONG.

Just got a letter in the mail saying that I have a scheduled payment amount of 885.00 and that my balance owed is 2198.34 How the hell does that work? I pay the amount that THEY AGREE TO which is the amount I owed and had no trouble paying back and they now try to scam me like this?! I'm the one that called them contacted them and had to CALL BACK OVER AND OVER to pay my debt. And now that I have, the thanks I get is them trying to get even more money out of me?

Any advice on this?? Everything I find online about them is negative and I would really just love to talk to someone who is actually in America OR doesn't have an accent so I can at least understand them.

HELP.

J
Phoenix, Arizona
U.S.A.

This report was posted on Ripoff Report on 12/07/2008 05:19 AM and is a permanent record located here: http://www.ripoffreport.com/r/NCO-Financial-Systems-Inc/Horsham-Pennsylvania-19044/NCO-Financial-Systems-Inc-Paid-the-bill-and-now-they-want-more-Horsham-Pennsylvania-398742. 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.

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Updates & Rebuttals

#1 Consumer Suggestion

Get outside help now!

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

This is unfortunately a common tactic with many unscrupulous 3rd party collectors. First step, what does the fax they sent you actually say? Does it say something like 'we are offering you a settlement of $885 etc.' If yes, then it is reasonable for you to argue that $885 is the full amount they asked you to pay. If its more along the lines of 'a payment is due of $885', you have a much tougher task ahead. Also, do you have the paperwork on the original debt? The amount they quoted is almost 3 times as much! Even if this debt is fairly old that seems like too much intrest. If you have these things, you'll still need more to get these hound dogs off your back, but it should be fairly easy. If not, it will be more time consuming but not impossible. You can also request the info on the debt from the original creditor. Did I understand correctly that you had already paid this to BOA but paid it again to NCO? Bad mistake, they figure they can just keep hitting you up forever now. Once you have any info you can muster to indicate you have paid this debt in full, follow these steps.
1) If you can afford a lawyer, get one to write a letter stating your position and telling them to back off. This should make them go away temporarily, but I'd still recommend following the rest of this list.
2) Look for local governmental consumer advocacy agencies. Is there a consumer affairs agency in your city or state? If you can't find one, go straight to the AZ attorney generals office. You can ask them if there is another agency when you contact them to file your complaint.
3) Report to the FTC-They probably won't get involved directly in your case, but accumulative reports lead them to take regulatory actions on creeps like this.

I wouldn't recommend talking to anyone at NCO directly anymore (the one's in the US are even worse, trust me). If you must communicate with them, do it by mail. If you must speak with them over the phone, do it on speaker and record the conversation. Make sure AZ is a single party state if you do this, otherwise legally you must tell them you are recording and are less likely to catch them in violations. This info is easily found on google. Finally get a copy of the Fair Debt Collection Practices Act, and the Fair Credit Reporting Act from the FTC website as well as any consumer protection laws in your locality. Not very interesting reading but I'm sure you'll find multiple ways in which the NCO reps violated these acts and can use them to build your defense. Happy hunting and please post your results, especially if you are successful.
Respond to this report!
What's this?

#2 Consumer Suggestion

Get outside help now!

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

This is unfortunately a common tactic with many unscrupulous 3rd party collectors. First step, what does the fax they sent you actually say? Does it say something like 'we are offering you a settlement of $885 etc.' If yes, then it is reasonable for you to argue that $885 is the full amount they asked you to pay. If its more along the lines of 'a payment is due of $885', you have a much tougher task ahead. Also, do you have the paperwork on the original debt? The amount they quoted is almost 3 times as much! Even if this debt is fairly old that seems like too much intrest. If you have these things, you'll still need more to get these hound dogs off your back, but it should be fairly easy. If not, it will be more time consuming but not impossible. You can also request the info on the debt from the original creditor. Did I understand correctly that you had already paid this to BOA but paid it again to NCO? Bad mistake, they figure they can just keep hitting you up forever now. Once you have any info you can muster to indicate you have paid this debt in full, follow these steps.
1) If you can afford a lawyer, get one to write a letter stating your position and telling them to back off. This should make them go away temporarily, but I'd still recommend following the rest of this list.
2) Look for local governmental consumer advocacy agencies. Is there a consumer affairs agency in your city or state? If you can't find one, go straight to the AZ attorney generals office. You can ask them if there is another agency when you contact them to file your complaint.
3) Report to the FTC-They probably won't get involved directly in your case, but accumulative reports lead them to take regulatory actions on creeps like this.

I wouldn't recommend talking to anyone at NCO directly anymore (the one's in the US are even worse, trust me). If you must communicate with them, do it by mail. If you must speak with them over the phone, do it on speaker and record the conversation. Make sure AZ is a single party state if you do this, otherwise legally you must tell them you are recording and are less likely to catch them in violations. This info is easily found on google. Finally get a copy of the Fair Debt Collection Practices Act, and the Fair Credit Reporting Act from the FTC website as well as any consumer protection laws in your locality. Not very interesting reading but I'm sure you'll find multiple ways in which the NCO reps violated these acts and can use them to build your defense. Happy hunting and please post your results, especially if you are successful.
Respond to this report!
What's this?

#3 Consumer Suggestion

Get outside help now!

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

This is unfortunately a common tactic with many unscrupulous 3rd party collectors. First step, what does the fax they sent you actually say? Does it say something like 'we are offering you a settlement of $885 etc.' If yes, then it is reasonable for you to argue that $885 is the full amount they asked you to pay. If its more along the lines of 'a payment is due of $885', you have a much tougher task ahead. Also, do you have the paperwork on the original debt? The amount they quoted is almost 3 times as much! Even if this debt is fairly old that seems like too much intrest. If you have these things, you'll still need more to get these hound dogs off your back, but it should be fairly easy. If not, it will be more time consuming but not impossible. You can also request the info on the debt from the original creditor. Did I understand correctly that you had already paid this to BOA but paid it again to NCO? Bad mistake, they figure they can just keep hitting you up forever now. Once you have any info you can muster to indicate you have paid this debt in full, follow these steps.
1) If you can afford a lawyer, get one to write a letter stating your position and telling them to back off. This should make them go away temporarily, but I'd still recommend following the rest of this list.
2) Look for local governmental consumer advocacy agencies. Is there a consumer affairs agency in your city or state? If you can't find one, go straight to the AZ attorney generals office. You can ask them if there is another agency when you contact them to file your complaint.
3) Report to the FTC-They probably won't get involved directly in your case, but accumulative reports lead them to take regulatory actions on creeps like this.

I wouldn't recommend talking to anyone at NCO directly anymore (the one's in the US are even worse, trust me). If you must communicate with them, do it by mail. If you must speak with them over the phone, do it on speaker and record the conversation. Make sure AZ is a single party state if you do this, otherwise legally you must tell them you are recording and are less likely to catch them in violations. This info is easily found on google. Finally get a copy of the Fair Debt Collection Practices Act, and the Fair Credit Reporting Act from the FTC website as well as any consumer protection laws in your locality. Not very interesting reading but I'm sure you'll find multiple ways in which the NCO reps violated these acts and can use them to build your defense. Happy hunting and please post your results, especially if you are successful.
Respond to this report!
What's this?

#4 Consumer Suggestion

Get outside help now!

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

This is unfortunately a common tactic with many unscrupulous 3rd party collectors. First step, what does the fax they sent you actually say? Does it say something like 'we are offering you a settlement of $885 etc.' If yes, then it is reasonable for you to argue that $885 is the full amount they asked you to pay. If its more along the lines of 'a payment is due of $885', you have a much tougher task ahead. Also, do you have the paperwork on the original debt? The amount they quoted is almost 3 times as much! Even if this debt is fairly old that seems like too much intrest. If you have these things, you'll still need more to get these hound dogs off your back, but it should be fairly easy. If not, it will be more time consuming but not impossible. You can also request the info on the debt from the original creditor. Did I understand correctly that you had already paid this to BOA but paid it again to NCO? Bad mistake, they figure they can just keep hitting you up forever now. Once you have any info you can muster to indicate you have paid this debt in full, follow these steps.
1) If you can afford a lawyer, get one to write a letter stating your position and telling them to back off. This should make them go away temporarily, but I'd still recommend following the rest of this list.
2) Look for local governmental consumer advocacy agencies. Is there a consumer affairs agency in your city or state? If you can't find one, go straight to the AZ attorney generals office. You can ask them if there is another agency when you contact them to file your complaint.
3) Report to the FTC-They probably won't get involved directly in your case, but accumulative reports lead them to take regulatory actions on creeps like this.

I wouldn't recommend talking to anyone at NCO directly anymore (the one's in the US are even worse, trust me). If you must communicate with them, do it by mail. If you must speak with them over the phone, do it on speaker and record the conversation. Make sure AZ is a single party state if you do this, otherwise legally you must tell them you are recording and are less likely to catch them in violations. This info is easily found on google. Finally get a copy of the Fair Debt Collection Practices Act, and the Fair Credit Reporting Act from the FTC website as well as any consumer protection laws in your locality. Not very interesting reading but I'm sure you'll find multiple ways in which the NCO reps violated these acts and can use them to build your defense. Happy hunting and please post your results, especially if you are successful.
Respond to this report!
What's this?
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