• Report: #220094

Complaint Review: Nco, Nco Group, Medclear, Nco Financial, Nco/medclr

  • Submitted: Sat, November 11, 2006
  • Updated: Wed, January 03, 2007

  • Reported By:tyler Texas
Nco, Nco Group, Medclear, Nco Financial, Nco/medclr
Pobox 41448 Philadelphia, Pennsylvania U.S.A.

Nco, Nco Group, Medclear, Nco Financial, Nco, medclr fcra violations, deception, false promises, lies, settlement breach, Ripoff Philadelphia Pennsylvania

*Consumer Suggestion: wording

*Consumer Comment: NCO FINANCIAL - Collection Agency Rep

*Consumer Suggestion: Did NCO do their job?

*Author of original report: Nco false statement update

*Author of original report: Nco false statement update

*Consumer Comment: TRY THIS DALLAS BASED COMSUMER ATTORNEY

*Consumer Suggestion: Giselle, you are absolutely right!

*Consumer Comment: Question for Steve

*Consumer Suggestion: NEVER speak to ANY debt collector on the phone!

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this company made a settlement with me on 3 (of 5) collections. The lady said that all 3 items would be deleted from my credit report within 45 days after i paid the settled amount. i paid it immediatly by phone. The items were updated as paid but not deleted as promised. this was the first lie.

I called back about a month later and got transfered to a suprivisor, I told her that the promise of deletion had not been fullfilled. She laughed at me! "she said why would they tell you that? we cant delete items." I said " they did, thats the only reason i gave them them money, AND it was recorded". she stopped laughing and looked up all 5 accounts. she said she deleted 2 items during this call and the other three would be deleted after i mail them a copy of my credit report. this call had multiple lies in it. i have to check my report again next month to see if the performed the deletions this time.

deceptive billing practices! i read that nco has the record for having to pay the largest settlement fine on record for this kind of stuff. Supposedly, they intentionaly violated the fcra right so many times that the standard fine of 1,000.00 was increased to 2,500.00 per violation. Perhaps thats why they were so willing to just erase the items after they knew i had proof they they were doing wrong. For a company that cant delete items to delete All of them 5 minutes later, sounds like the fear of another fcra fine was the deal closer!

kam
tyler, Texas
U.S.A.

This report was posted on Ripoff Report on 11/11/2006 08:12 AM and is a permanent record located here: http://www.ripoffreport.com/r/Nco-Nco-Group-Medclear-Nco-Financial-Ncomedclr/Philadelphia-Pennsylvania-19101/Nco-Nco-Group-Medclear-Nco-Financial-Nco-medclr-fcra-violations-deception-false-pro-220094. 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

wording

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

With the agency I work for, to get to the department dealing with credit bureaus, it was simply a matter of using the correct prompt when calling the general company phone number. When I worked on the 3rd party collection, option 3 in the automated system was to speak to an agent about an account, and option 4 was to speak to someone about something on a credit bureau.

Sorry I can not be more help on this one, other than to say call the general number, and listen to prompts.
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#2 Consumer Comment

NCO FINANCIAL - Collection Agency Rep

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

Don - interesting read thanks for the info. How would she find the correct department? Is there a catch word/phrase she should use that is standard in the collection industry?

Since you apparently work as a collector or in the collections field is there any general advice the posts are missing that people should be doing or not be doing? we understand you cannot issue legal advice if you are not an attorney .. (other than items already mentioned?) It would be a great asset to those readers of this board to get some an insiders thoughts and recommendations.

By the way "credit bureaus" hate to be referred to as this because they "only report information provided to them by subscribers." They prefer to be referred to as "information management organizations" Still a credit bureau in everyone's book to be sure!! Just an FYI : )
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#3 Consumer Suggestion

Did NCO do their job?

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

Obviously, I and you do not know the answer to this. Once payment was made, it is a collection agency's job to report that the account was paid. I know in my office, we are told to advise people that it can take 30-60 days. Once it has been reported by the agency, they have done their job. Maybe this is the credit bureaus not doing their job. Most of the larger collection agencies have a department that deals purely with credit bureaus. Try calling them, although all they will be able to tell you is that is was sent to the credit bureau.
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#4 Author of original report

Nco false statement update

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

it has been almost 3 months since the last promise was made by nco to delete all 5 accounts, only 1 has been deleted- i guess immediatly after the call in october (2006), but the other 4 are still there. Nco said 30 to 45 days. yeah- about that.....crap!
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#5 Author of original report

Nco false statement update

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

it has been almost 3 months since the last promise was made by nco to delete all 5 accounts, only 1 has been deleted- i guess immediatly after the call in october (2006), but the other 4 are still there. Nco said 30 to 45 days. yeah- about that.....crap!
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#6 Consumer Comment

TRY THIS DALLAS BASED COMSUMER ATTORNEY

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


Dallas Consumer Attorney Tom Thomas at: 214-370-3340
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#7 Consumer Suggestion

Giselle, you are absolutely right!

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

Giselle,

Paying an old charged off account will actually hurt your credit score more than just letting it go past SOL.

NEVER pay any third party debt collector. Never even speak to them or respond to them in any way.

Very few will actually sue you, and most that try cannot win if you fight them. They usually dismiss as soon as you put up a fight.

They have to prove everything. You have to prove nothing.

As soon a s debt has been sold 2-3 times it is essentially uncollectable.

Spread the word!
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#8 Consumer Comment

Question for Steve

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

Once a company has charged off a debt and sold it to a scavanger debt collector, is there really any point in paying the debt collector, even if the SOL is still in effect? Because they are just gonna pocket your money and still make a negative remark on your credit, right? This is something that I have wondered about....
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#9 Consumer Suggestion

NEVER speak to ANY debt collector on the phone!

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

Kam,

Speaking to them on the phone was your first mistake! ALWAYS get it in writing!! Verbal agreements never existed.

And, they NEVER delete an item from your credit report upon payment. They just mark it as paid which is still a negative that hurts your score more than if you just let it go!

The "medclear" and "medclr" references you made are not a company and are not a division of NCO Group. This is simply a designation they use for credit reporting purposes only.

Keep in mind that collectors will tell you any lie they can to get that payment. For future reference, NEVER do a payment by phone, or give them any access to your bank accounts. This is VERY dangerous.
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