• Report: #316075
Complaint Review:

Applied Card Bank - Ncl Aka Nco Financial

  • Submitted: Sat, March 08, 2008
  • Updated: Tue, March 11, 2008

  • Reported By:Daytona Beach Florida
Applied Card Bank - Ncl Aka Nco Financial
800 Delaware Ave Wilmington, Delaware U.S.A.
  • Phone:
  • Web:
  • Category: Banks

Applied Card Bank - Ncl Aka Nco Financial I recieved a letter from an attorney saying I owe this company $1,176.41. This is a fraudulent account. I have NO information on this account. And they WON"T provide me with any. I've attemtped to contact this company several times to resolve this issue, only to be disconnected. Wilmington Delaware

*Consumer Comment: old debts never die

*Consumer Comment: Applied bought Cross Country

*Consumer Comment: attn,

*Consumer Comment: What is

*Consumer Comment: Is Applied Card Bank and NCO the same organization the best you can tell?

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I recieved a letter from an attorney in Miami, Fl stating I have failed to appear at a pretrial conference regaurding an account with Applied Card Bank. I have no such account. I have recieved nothing prior to this letter about this account before.

After trying to contact this company several times, I was able to find out through the automated system that they're also known as NCL and NCO Financial. I was disconnected several times.

I don't have an account number, because this account was unknown until today. The letter states I owe them $1,176.41 and interest is accuring! I am at a loss.

I contacted the attorney I recieved the letter from, and was told to pay or else!

So, I'm trying to get information on this fraudulent account. But no one will give it to me. But if this is supposed to be my account, why won't they give me any information?!

Thank you,

trying to get to the bottom of this!

Daytona Beach, Florida

This report was posted on Ripoff Report on 03/08/2008 04:04 PM and is a permanent record located here: http://www.ripoffreport.com/reports/applied-card-bank-ncl-aka-nco-financial/wilmington-delaware-19801/applied-card-bank-ncl-aka-nco-financial-i-recieved-a-letter-from-an-attorney-saying-i-ow-316075. 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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#1 Consumer Comment

old debts never die

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

Too bad they never give up - the invalid debt collectors.

There was one slimey debt collector company we helped put out of biz a number of years ago, Camco. And even though they're were totally shut down by the feds, yep one morning they were raided and doors closed & records seized. Yet they were still able to sell their list of stale debts, drum roll pls, to our pals at NCO.

And I'm guessing at some point in time NCO will eventually sell their inventory of uncollectible debts to someone else. And the cycle of morons calling will begin anew.

Speaking of such, yea NCO did turn my invalid debt acct over to a law firm, but they seem to have given up too. I mean gosh you'd think a lawyer with a brain wouldn't bother collecting a debt that doesn't have any paperwork or other info, besides my phone number. I mean unless Hunt & Henriques has nothing else in the world to do but hire a robot phone machine. But when I looked them up they seem to gross millions in revenue.
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#2 Consumer Comment

Applied bought Cross Country

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

Applied bought Cross Country Bank. Have you ever had a credit card from Cross Country Bank? Since Cross Country was such a mess, Applied may not have the proper paperwork to validate the debt.

You should also check with the various clerks of court. Check with Dade County (Miami, where the attorney is), check with Palm Beach County (where Applied is located) and check with your county court to see if a lawsuit is even filed against you. I know you can check online with Dade and Palm Beach Counties. I don't know if your county has online access.
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#3 Consumer Comment


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

Yes, be interesting to know the name of the law firm or attorney that chasing after you. Hunt & henriques here in Calif was the law firm that had been calling me for months, well their robot was giving me a lameo blah blah please call us message. They finally stopped calling a couple of weeks ago.

yep their m.o. is the same as the rest of the bottom feeders, no info, no nothing, just phone calls. my answering machine talking to theirs.
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#4 Consumer Comment

What is

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

the name of the alleged attorney and firm he allegedly works for?
Do not call them at all until more investigation is done.
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#5 Consumer Comment

Is Applied Card Bank and NCO the same organization the best you can tell?

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

It doesnt say anything about NCO on Applied's website The pretrial conference may be a scare tactic. NCO is a third party bottomefeeder slimeball outfit. Assuming they aren't related, send them a certified letter without signing with your handwritten signature requesting they validate the debt. Do not talk these vermin over the phone; it will get you nowhere and lead to more frustration. If you want more information about this corrupt bunch of misfits go to budhibbs.com and read all about them. The site provides good tips, as well dealing with pondscum like this.
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