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  • Report: #180889

Complaint Review: NCO Financial Systems - Risk Management Alternatives - AT&T

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  • Submitted: Mon, March 13, 2006
  • Updated: Thu, March 16, 2006

  • Reported By:lake success New York
NCO Financial Systems - Risk Management Alternatives - AT&T
507 Prudential Road Horsham, Pennsylvania U.S.A.

NCO Financial Systems, Formerly Risk Management Alternatives - AT&T ripoff, made up debts, billing, dishonest Horsham Pennsylvania

*Consumer Comment: Contact NY Attorney General Spitzer also

*Author of original report: Thanx!

*Consumer Suggestion: Jason...Forget about contacting AT&T

*Consumer Suggestion: Put it ALL in Writing

*Consumer Suggestion: Put it ALL in Writing

*Consumer Suggestion: Put it ALL in Writing

*Consumer Suggestion: Put it ALL in Writing

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I recently received a letter from NCO about an AT&T phone bill that supposedly was overdue. The funny thing is that the phone line was disconnected 3-4 years ago when I was in college and granted when I moved I had an outstanding balance... but it was paid for and taken care of years ago.

So, I asked NCO to give me AT&T's number so I can contact them directly to ask about this balance, but convienently their policy is not to divulge information about their clients. Does anyone know if NCO makes up balances and claims??

Do I need to contact the Credit Bureaus to make sure my credit rating is not getting screwed? I just need some advice... HELP! what should I do next???

Jason
lake success, New York
U.S.A.

This report was posted on Ripoff Report on 03/13/2006 12:13 PM and is a permanent record located here: http://www.ripoffreport.com/r/NCO-Financial-Systems-Risk-Management-Alternatives-ATT/Horsham-Pennsylvania-19044/NCO-Financial-Systems-Formerly-Risk-Management-Alternatives-ATT-ripoff-made-up-debts-180889. 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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REBUTTALS & REPLIES:
0Author 7Consumer 0Employee/Owner
Updates & Rebuttals

#1 Consumer Comment

Contact NY Attorney General Spitzer also

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

NCO also sent me a letter last summer claiming I owed $5000 on a Chase Providian credit card from 1992 or 1993. They added on over $5000 for interest. There is no such card and I knew I didn't owe them and never had. I wrote to the Attorney General's office to let them know because I was afraid a lot of elderly people would be scared into paying this fraudulent company. They were kind enough to contact NCO and NCO agreed not to contact me again although I have been expecting them to sell it to someone else. The AG told me to let them know if I heard anymore. I could never find out where they came up with this account. If you are sure you paid the account I would also file a FTC report online. Good luck.
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#2 Author of original report

Thanx!

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

thanks for the help and insight!! The debt was valid but it was paid off years ago. anyways, ill do what you two suggested...put it ALL IN WRITING!!!!

Thanks again SOO MUCH!!
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#3 Consumer Suggestion

Jason...Forget about contacting AT&T

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

Jason,

AT&T obviously sold that accout to NCO, as NCO are junk debt buyers who purchase a debt of this age and type for less than 1 penny on the dollar.

AT&T is out of the picture completely. They cannot legally deal with you at this point.

Since the debt is valid as you stated, it will be on your credit report and there is not much you can do about it...unless....

You dispute it in writing to NCO. Tell them it is not yours, and you want to see something you signed that created the debt.

DO NOT speak with anyone on the phone. Do everything in writing, and by certified mail, return reciept requested. Always put the certified# on the letter itself, and keep a copy for your records.

Call each credit bureau and ask for your free annual credit report. Do it this way instead of going to the annualcreditreport.com website. The reason for this is you need individual reports to be able to dispute anything.

AND...DO NOT pay this old debt as it will hurt your credit more than just letting it go.

Good luck
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#4 Consumer Suggestion

Put it ALL in Writing

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

Send this firm a registered return-reciept letter, and send a copy regular mail so they can't claim they didn't get it.

Tell this entity you must have an itimised statement of charges, in writing. Tell them you are entitled to this under the fair and accurate debt collection act. Tell them that they are not to post anything to your credit untill such time as they have proved this is a valid debt.

BTW AT&T has a number: 1-800-222-0300.

Good Luck!
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#5 Consumer Suggestion

Put it ALL in Writing

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

Send this firm a registered return-reciept letter, and send a copy regular mail so they can't claim they didn't get it.

Tell this entity you must have an itimised statement of charges, in writing. Tell them you are entitled to this under the fair and accurate debt collection act. Tell them that they are not to post anything to your credit untill such time as they have proved this is a valid debt.

BTW AT&T has a number: 1-800-222-0300.

Good Luck!
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#6 Consumer Suggestion

Put it ALL in Writing

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

Send this firm a registered return-reciept letter, and send a copy regular mail so they can't claim they didn't get it.

Tell this entity you must have an itimised statement of charges, in writing. Tell them you are entitled to this under the fair and accurate debt collection act. Tell them that they are not to post anything to your credit untill such time as they have proved this is a valid debt.

BTW AT&T has a number: 1-800-222-0300.

Good Luck!
Respond to this report!
What's this?

#7 Consumer Suggestion

Put it ALL in Writing

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

Send this firm a registered return-reciept letter, and send a copy regular mail so they can't claim they didn't get it.

Tell this entity you must have an itimised statement of charges, in writing. Tell them you are entitled to this under the fair and accurate debt collection act. Tell them that they are not to post anything to your credit untill such time as they have proved this is a valid debt.

BTW AT&T has a number: 1-800-222-0300.

Good Luck!
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