• Report: #302277

Complaint Review: NCO Financial Systems

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  • Submitted: Tue, January 22, 2008
  • Updated: Tue, January 22, 2008

  • Reported By:Ocala Florida
NCO Financial Systems
507 Prudential Road Horsham, Pennsylvania U.S.A.

NNCO Financial Services Banana Republic CC, admit that late fee was THEIR error - $25 turned into $104 and months of harassment - BR disavows all responsibility for NCO's behavior!!! Horsham Pennsylvania

*Consumer Comment: Change phone number

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This has been an absolute nightmare. I signed up for a credit card at a Banana Republic outlet store, to save 20% off my entire purchase. By the time the bill arrived, it was already late. I paid the amount, minus the late fee...strangely, the late fee was about 20% of the total! Hmmm...what a funny coincidence.

After sending off a check, called Banana Republic, got transferred about a million times, at some point I was being asked about my Sam's Club account?! UGH! Whatever. 45 mins later, I was speaking to GE Money Bank (who "administers" the Bananacard) and they agreed to waive the fee. All was well until a couple months later. I got a call a few times from an unidentified number early in the morning several days in a row. Finally, I picked it up and some elderly Indian man said, "Allo...ehder? I speek to ehder?" (I guess he meant Heather.)

When I asked what this was about and he said "Banana Republic..." I said something to the effect of, "NO, we are not discussing this, that matter is SETTLED, that account is CLOSED, I have already dealt with this, I am NOT dealing with it again." ::click:: That worked for another month or so. Then I started getting the calls again.

I wrote to Banana Republic explaining my dissatisfaction. Their customer service was very sorry but there was nothing they could do to make the calls stop, I would need to speak to GE Money Bank. I made the mistake of calling GE Money Bank, guess who I got on the phone? Not NCO, but another Indian person who wanted me to verify my work number, cell phone number, home number, address, etc...of course I said NO, I was not verifying anything (at the beginning, the recording tells you that your call is being monitored and any information obtained is for the sole purpose of collecting a debt, DUH) and demanded to speak to someone who could make the calls from NCO stop. They said they could not make the calls stop. I said, "Who is in charge of NCO? Who is over them?" She said, "No one is in charge of NCO."

This has gotten ridiculous...I have all the information ready to send a cease and desist notice. I am sending it to the BBB in PA, the FTC, the Attorney General in PA and in FL (where I live) and I am also getting the addresses for GE Money Bank and Banana Republic. And of course, I am writing NCO, the best I could find for a supervisor was the Compliance Officer, Mr. John Emmons, Esq. These last three (GE Money Bank, BR, and NCO) are getting a letter sent certified mail with return receipt. I don't know what else to do. Does anyone have any other suggestions? Anybody better to contact at NCO than the compliance officer?

This is annoying me terribly, they are calling 6-8 times a day. The calling got much more persistent after I contacted GE Money Bank, of course! They call as early as 8:12 am and as late as 8:48 pm, they must know the earliest and latest that they are legally allowed call. This is obscene. I am at the point where I have a distress whistle by the phone (super loud, it makes my eardrums feel "popped" when I use it inside) and am considering letting it rip the next time they call - except I am afraid it will literally burst the eardrums of the jerk on that headset of theirs. I don't really want to hurt them, as I know they are just scrounging for work and get paid a pittance...but I am ready to try ANYTHING to discourage the calling! Please, if anyone has any ideas, I am all ears.

Heather
Ocala, Florida
U.S.A.

This report was posted on Ripoff Report on 01/22/2008 08:31 AM and is a permanent record located here: http://www.ripoffreport.com/r/NCO-Financial-Systems/Horsham-Pennsylvania-19044/NNCO-Financial-Services-Banana-Republic-CC-admit-that-late-fee-was-THEIR-error-25-turn-302277. 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 Comment

Change phone number

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

Heather, I know it seems a little silly to have to do, but if you are continually getting harassing phone calls from someone the phone company is required to allow you to change your number without charge to you.

Either suffer that minor inconvenience or set-up your phone with an answering/caller ID system that allows you to set it with one ring and a message that states that if this is an unsolicited telemarketing call please hang up now. Make the message long enough for you to be able to read the caller ID so you can pick up on the calls that you want to accept.

I kind of like your whistle idea. Don't worry about the person on the other end. They choose to be in the employ of the company that makes them call so they have to suffer the consequences. Of course, be ready to be called back a million times a day.
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