Complaint Review: NCO Financial Systems Inc. And JBC Legal Group, P.C. - Horsham Pennsylvania
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- Author Confirmed
- NCO Financial Systems Inc. And JBC Legal Group, P.C. 507 Prudential Road Horsham, Pennsylvania U.S.A.
- Phone: 877-202-9074
- Web:
- Category: Lawyers
NCO Financial Systems And JBC Legal Group, P.C. Failure to notify JBC Legal Group, P.C. that they were paid. Rude Behavior, Refusal to send documents Insurance company ripoff Horsham Pennsylvania
*Consumer Comment: YOURS IS A TEXTBOOK EXAMPLE OF WHY YOU SHOULD NOT DEAL WITH COLLECTION AGENCIES/JUNK DEBT BUYERS
*Consumer Suggestion: Send them another copy NOT by easily ignorable fax
*Consumer Comment: keep paperwork don't be surprised
*Author of original report: Yet Another Update to this Saga!
*Author of original report: Yet Another Update to this Saga!
*Author of original report: Yet Another Update to this Saga!
*Author of original report: Yet Another Update to this Saga!
*Author of original report: Sent Another Fax
*Author of original report: Sent Another Fax
*Author of original report: Sent Another Fax
*Author of original report: Sent Another Fax
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October 22, 2000 I was the front seat passenger in a car accident. Two friends of mine and I were heading down a street and were coming up to the corner of another street, I looked up and saw that there was a white vehicle with an elderly gentleman and his wife in the left lane (This was a 4 lane road with a left turn lane). The elderly man was not in the oncoming Left turn lane and did not have a turn signal on, I looked down for a second and then back up and the man had turned left in front of the car I was in. My friend who was driving tried to avoid their passenger side door (Due to the elderly woman being in it) and turned her wheel slightly. We were driving about 45 MPH when we hit their car. I was the only one with a seat belt on, the driver and the backseat passenger were both unbelted. The backseat passenger had hit my head rest with his face. Many passersby saw the accident and called 911. I had no license or a car at the time of the accident. I went to the hospital on a stretcher by ambulance due to being 2 months pregnant and not being able to breathe. It was deduced that I had probably had hairline fractures on my ribcage that could not be seen by x-ray and my pregnancy seemed to be fine. I was released with pain killers later that night and told to lie down and rest. I was off work for a couple weeks. The week after the accident I had an ultrasound appointment to see if everything was fine. The Radiologist could not find the baby's heartbeat and so my doctor had another ultrasound scheduled the following week. I also attended that appointment and again they found no heartbeat and determined that I had had a miscarriage and my body was unaware of it. By Saturday of that week I had a DNC and that was the end of that. It was a very painful time and I do not like having the reminder of it.
Geico Direct was my friend's insurance company. The police had wrote the elderly gentleman a ticket for not using a turn signal, failure to yield for oncoming traffic and reckless driving (I believe). I do know that the accident was caused by him according to me and all the witnesses that were there or saw the accident. Geico Direct was courteous and paid all the claims as fast as possible. However, one slipped past them, a paperwork screw-up.
Fast forward about three years. The insurance company thought the male backseat passenger was the driver (Also my roommate). When in fact a female friend of mine was the driver and the person that was insured by Geico Direct. It took a while for the screw-up to get fixed as I did not know that the bill for $50.00 hadn't been paid to the ambulance company. It wasn't until a company called NCO Financial Systems Inc. began sending me collections notices that I realized it hadn't been paid. Late 2003 I started getting bills from the company called NCO Financial Systems Inc. for the ambulence bill after I was able to get them to tell me what it was for. I called Geico Direct and NCO Financial Systems on several occasions to get the situation cleared up. NCO Financial Systems did not want to give the information to the insurance company that the insurance company needed to pay the claim. NCO Financial Systems wanted information that the insurance company could not give them. After playing phone tag between the two companies for a while, faxing them info (Because NCO Financial did not want to deal directly with the insurance company at that time and were absolutely rude every time I called, I was finally able to get them to send me paperwork to send to the insurance company (NCO claimed that they didn't have a fax machine), I had thought once again the claim was paid. Then a company called JBC Legal Group, P.C. began sending me collections notices. On numerous occasions I called them and Geico, sometimes up to three times in a day I had dealt with them. JBC Legal Group, P.C. had very rude people answering the phone, sometimes yelling at me when I tried to explain what the problem was.
By July 15, 2004 I had found out from Geico Direct that they had issued a check on 3/2/04 to NCO Financial Systems Inc. for $50.00, by 3/10/04 NCO Financial had endorsed the check, and by 3/12/04 the claim was paid according to Geico Direct. I was able to get a check number and such when JBC Legal Group made the claim that "The insurance company lied to you. The claim was not paid." (Those were the person's exact words). That was after I gave the check number to the representative on the phone, after many more phone calls between Geico and JBC Legal Group, I was able to get Geico Direct to send me 2 copies of the endorsed check that NCO Financial Systems Inc. had received. On September 25, 2004 I was told by JBC Legal Group that all I needed to do was fax them the copy of the check when I received it.
On October 4, 2004 I had my father (Who has access to a fax machine) fax the copy of the check to the number JBC Legal Group gave to me for their fax with the proper Attn: to the supervisor and the proper account number upon the cover sheet for the fax. On October 25, 2004 I was informed by my step mother that JBC Legal Group had called their house (I have not lived with my Dad since before 1999 and when the claim was filed for the accident I had the same phone number I have now. I have no idea how they got my Dad's number to contact me). I called JBC Legal Group back to find out what they wanted (Once again assuming that it was finally taken care of). When I called the first woman I spoke to was rude, telling me that I hadn't paid the claim, when I told her that it was, she started to raise her voice and told me that no it hadn't because they never received a letter from NCO Financial. I asserted myself finally after being cut off by the woman numerous times and told her that I had sent a fax to one of their people and if they were losing paperwork or NCO was losing paperwork that they had a huge problem. She transferred me to the supervisor (The gentleman I put the fax Attention to). I was told by him that he never received the fax, that it Was not forwarded to him and that I needed to refax the information to them.
So on October 25, 2004 I had my father re-fax JBC Legal Group the copy of the endorsed check. I tried to call them before closing to make sure it was received and was told I had to call back in the morning. On October 26th 2004 I contacted NCO Financial and was told to fax them the copy of the endorsed check (Apparently they do have a fax machine). On October 26th 2004 I also called JBC four times and was told they hadn't gotten the fax and the supervisor I was dealing with was not at his desk. I am STILL trying to contact the guy after recieving a letter today (October 28, 2004) that is dated October 26, 2004 saying that I had made payment arrangements (I disputed this from day one of this ordeal because the insurance company was responsible for the bill) promised on 10/15/04 and that I failed to "honor" that obligation. This is after MONTHS of telling them that the amount had been paid to the company they are servicing the account for!
I don't know for sure if this breaks any laws let alone what I should do about it. I am to the point where I was thinking of getting a lawyer, this situation being brought up repeatedly always stresses me out. It is a constant reminder of what I lost at the time, I just want it over with. It would also be nice if they weren't threatening to screw with my credit. I want an apology letter from these Jerks! I need advice or help or something! Should I be getting a lawyer, send them a previously settled debt letter from http://www.debt-n-credit-letters.com/previously-settled-debt-letter.htm or just send them a scanned picture of my butt? :)
Dazed and Confused
Kentwood, Michigan
U.S.A.
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#11 Consumer Comment
YOURS IS A TEXTBOOK EXAMPLE OF WHY YOU SHOULD NOT DEAL WITH COLLECTION AGENCIES/JUNK DEBT BUYERS
AUTHOR: Sherri - (U.S.A.)
SUBMITTED: Saturday, August 06, 2005
You are now on the "easy mark" list and your information will get sold over and over. So many of these junk debt buyers network and "farm out" accounts to other JDBs, sometimes creating multiple entries over the same debt (which is often time-barred or even non-existent), essentially destroying a person's credit.
Collection agencies/JDBs are NOT TO BE TRUSTED. DO NOT send them money..ever. If the debt is legitimate, deal with the original creditor only. Paying a JDB can hurt your credit more than it will help..by paying, you are "re-affirming" the "debt", restarting the SOL clock, as well as the seven year reporting period to the credit reporting agencies. These people don't give a d**n about clearing your credit..they don't care if the debt is legitimate or not..they want your money.
#10 Consumer Suggestion
Send them another copy NOT by easily ignorable fax
AUTHOR: Jim - (U.S.A.)
SUBMITTED: Saturday, August 06, 2005
Send a copy of the paid check by Certified Postal "Return Receipt Requested"
Keep the receipt.
One of two things will happen, either they will sign for it, and you have proof they got it, Or they'll decline to accept it.
Either way you have proof, proof that they received it, or proof they refused.
After that they don't have a legal leg to stand on.
If they call you again, state in a clear voice, "You have all that information, NO DEBT EXISTS"
Then if they get rude press the "1" button on your phone and hold it down, it screams in their ears until they give up and hang up.
Repeat as necessary until they surrender. You do not owe anything and do NOT have to put up with their harrasment.
#9 Consumer Comment
keep paperwork don't be surprised
AUTHOR: Joe - (U.S.A.)
SUBMITTED: Saturday, August 06, 2005
You are on the right track, but don't be surprised if you are contacted again in the future by another "entity" i.e. Whitewing Financial, NCO, etc. They are notorious in trying to collect on old debt well beyond most State's Statutes of Limitations. Cease and Desist Letters work well in these cases but I think that You -as well as the rest of us- should or continue to file reports to the Federal Government along with your State Attorney Gerneral, State Senator, (for what it's worth) and Congressman (for what it's worth.) You should also check your credit report(s) periodically to make sure these people are not reporting you.
Best wishes...
#8 Author of original report
Yet Another Update to this Saga!
AUTHOR: Chi - (U.S.A.)
SUBMITTED: Saturday, August 06, 2005
Hello, again!
Well, since my last update I have written e-mail to JBC Legal Group that went along these lines:
October 28, 2004:
"I have sent two faxes to your New Jersey office in the last month (Oct. 4 & Oct. 25) that will prove that a debt your trying to collect has been paid to the company you are trying to service the account for. The faxes were copies of the check that was endorsed. Yet I am still being hassled for a debt collection you are trying to collect for NCO Financial Systems Inc. for $50.00 that has been paid. How long does it typically take for a fax to get to the appropriate people? I put the attention on the fax to a supervisor named (Name Withheld) both times I sent the faxes. Both faxes were sent to the following fax number: (Fax Number was here)"
I recieved communication back as follows on October 29, 2004:
"We apologize for any inconvenience. Please be assured that you will no longer receive calls from our office. Thank you in advance for your anticipated cooperation.
JBC LEGAL GROUP, P.C.
"This is an attempt to collect a debt. Any information obtained will be used for that purpose."
As you can see, they skirted around the issue and did not answer my questions that I wrote. Not to mention responded as if I sent a cease and desist order to them when I mentioned no such thing (I don't think telling them that they are harrassing me, was telling them to stop contacting me).
Either way, I did recieve a call from them after that, and once again explained that they had been paid and that I had faxed the information on Numerous occasions. The lady on the phone basically told me I had to take it up with the guy handling the situation, I told her that I believed the guy was purposely avoiding my calls and not calling back when I have left multiple voice mails to his extension to find out the status on the account and see if he ever recieved my last faxes. She sent me to his extension and I left another voice mail (I tried more than three times over the course of 3 days to contact him). It has been months since then and no call from him was EVER made to me. The last time I called I told them that if I recieved any more mail or phone calls from their company, I would consider legal action.
Since then, I have had no communications from JBC Legal Group.
Two months ago I was informed by a car dealership that ran my credit report, that I had been reported for $50.00 to the credit bureau over a year ago. That it was NCO Financial that reported me to them. I did see a copy of this credit report. So now, I have to write the credit bureau and send them a copy of the check NCO cashed to get my credit repaired.
As of today: August 6, 2005, I recieved a bill from NCO Financial Systems Inc. (Apparently they are servicing the account again, probably because JBC wasn't getting it done).
This time they: "will offer you a 50% settlement on your total balance." Funny, since they have already recieved the money over a year ago, and reported me to the credit bureau.
I am so frustrated with them it's not even funny. I suppose I will have to call NCO and explain to them that they have been paid. My guess is that i'll be going around in circles about this for quite some time. Someone please give me some advice, I could really use some.
#7 Author of original report
Yet Another Update to this Saga!
AUTHOR: Chi - (U.S.A.)
SUBMITTED: Saturday, August 06, 2005
Hello, again!
Well, since my last update I have written e-mail to JBC Legal Group that went along these lines:
October 28, 2004:
"I have sent two faxes to your New Jersey office in the last month (Oct. 4 & Oct. 25) that will prove that a debt your trying to collect has been paid to the company you are trying to service the account for. The faxes were copies of the check that was endorsed. Yet I am still being hassled for a debt collection you are trying to collect for NCO Financial Systems Inc. for $50.00 that has been paid. How long does it typically take for a fax to get to the appropriate people? I put the attention on the fax to a supervisor named (Name Withheld) both times I sent the faxes. Both faxes were sent to the following fax number: (Fax Number was here)"
I recieved communication back as follows on October 29, 2004:
"We apologize for any inconvenience. Please be assured that you will no longer receive calls from our office. Thank you in advance for your anticipated cooperation.
JBC LEGAL GROUP, P.C.
"This is an attempt to collect a debt. Any information obtained will be used for that purpose."
As you can see, they skirted around the issue and did not answer my questions that I wrote. Not to mention responded as if I sent a cease and desist order to them when I mentioned no such thing (I don't think telling them that they are harrassing me, was telling them to stop contacting me).
Either way, I did recieve a call from them after that, and once again explained that they had been paid and that I had faxed the information on Numerous occasions. The lady on the phone basically told me I had to take it up with the guy handling the situation, I told her that I believed the guy was purposely avoiding my calls and not calling back when I have left multiple voice mails to his extension to find out the status on the account and see if he ever recieved my last faxes. She sent me to his extension and I left another voice mail (I tried more than three times over the course of 3 days to contact him). It has been months since then and no call from him was EVER made to me. The last time I called I told them that if I recieved any more mail or phone calls from their company, I would consider legal action.
Since then, I have had no communications from JBC Legal Group.
Two months ago I was informed by a car dealership that ran my credit report, that I had been reported for $50.00 to the credit bureau over a year ago. That it was NCO Financial that reported me to them. I did see a copy of this credit report. So now, I have to write the credit bureau and send them a copy of the check NCO cashed to get my credit repaired.
As of today: August 6, 2005, I recieved a bill from NCO Financial Systems Inc. (Apparently they are servicing the account again, probably because JBC wasn't getting it done).
This time they: "will offer you a 50% settlement on your total balance." Funny, since they have already recieved the money over a year ago, and reported me to the credit bureau.
I am so frustrated with them it's not even funny. I suppose I will have to call NCO and explain to them that they have been paid. My guess is that i'll be going around in circles about this for quite some time. Someone please give me some advice, I could really use some.
#6 Author of original report
Yet Another Update to this Saga!
AUTHOR: Chi - (U.S.A.)
SUBMITTED: Saturday, August 06, 2005
Hello, again!
Well, since my last update I have written e-mail to JBC Legal Group that went along these lines:
October 28, 2004:
"I have sent two faxes to your New Jersey office in the last month (Oct. 4 & Oct. 25) that will prove that a debt your trying to collect has been paid to the company you are trying to service the account for. The faxes were copies of the check that was endorsed. Yet I am still being hassled for a debt collection you are trying to collect for NCO Financial Systems Inc. for $50.00 that has been paid. How long does it typically take for a fax to get to the appropriate people? I put the attention on the fax to a supervisor named (Name Withheld) both times I sent the faxes. Both faxes were sent to the following fax number: (Fax Number was here)"
I recieved communication back as follows on October 29, 2004:
"We apologize for any inconvenience. Please be assured that you will no longer receive calls from our office. Thank you in advance for your anticipated cooperation.
JBC LEGAL GROUP, P.C.
"This is an attempt to collect a debt. Any information obtained will be used for that purpose."
As you can see, they skirted around the issue and did not answer my questions that I wrote. Not to mention responded as if I sent a cease and desist order to them when I mentioned no such thing (I don't think telling them that they are harrassing me, was telling them to stop contacting me).
Either way, I did recieve a call from them after that, and once again explained that they had been paid and that I had faxed the information on Numerous occasions. The lady on the phone basically told me I had to take it up with the guy handling the situation, I told her that I believed the guy was purposely avoiding my calls and not calling back when I have left multiple voice mails to his extension to find out the status on the account and see if he ever recieved my last faxes. She sent me to his extension and I left another voice mail (I tried more than three times over the course of 3 days to contact him). It has been months since then and no call from him was EVER made to me. The last time I called I told them that if I recieved any more mail or phone calls from their company, I would consider legal action.
Since then, I have had no communications from JBC Legal Group.
Two months ago I was informed by a car dealership that ran my credit report, that I had been reported for $50.00 to the credit bureau over a year ago. That it was NCO Financial that reported me to them. I did see a copy of this credit report. So now, I have to write the credit bureau and send them a copy of the check NCO cashed to get my credit repaired.
As of today: August 6, 2005, I recieved a bill from NCO Financial Systems Inc. (Apparently they are servicing the account again, probably because JBC wasn't getting it done).
This time they: "will offer you a 50% settlement on your total balance." Funny, since they have already recieved the money over a year ago, and reported me to the credit bureau.
I am so frustrated with them it's not even funny. I suppose I will have to call NCO and explain to them that they have been paid. My guess is that i'll be going around in circles about this for quite some time. Someone please give me some advice, I could really use some.
#5 Author of original report
Yet Another Update to this Saga!
AUTHOR: Chi - (U.S.A.)
SUBMITTED: Saturday, August 06, 2005
Hello, again!
Well, since my last update I have written e-mail to JBC Legal Group that went along these lines:
October 28, 2004:
"I have sent two faxes to your New Jersey office in the last month (Oct. 4 & Oct. 25) that will prove that a debt your trying to collect has been paid to the company you are trying to service the account for. The faxes were copies of the check that was endorsed. Yet I am still being hassled for a debt collection you are trying to collect for NCO Financial Systems Inc. for $50.00 that has been paid. How long does it typically take for a fax to get to the appropriate people? I put the attention on the fax to a supervisor named (Name Withheld) both times I sent the faxes. Both faxes were sent to the following fax number: (Fax Number was here)"
I recieved communication back as follows on October 29, 2004:
"We apologize for any inconvenience. Please be assured that you will no longer receive calls from our office. Thank you in advance for your anticipated cooperation.
JBC LEGAL GROUP, P.C.
"This is an attempt to collect a debt. Any information obtained will be used for that purpose."
As you can see, they skirted around the issue and did not answer my questions that I wrote. Not to mention responded as if I sent a cease and desist order to them when I mentioned no such thing (I don't think telling them that they are harrassing me, was telling them to stop contacting me).
Either way, I did recieve a call from them after that, and once again explained that they had been paid and that I had faxed the information on Numerous occasions. The lady on the phone basically told me I had to take it up with the guy handling the situation, I told her that I believed the guy was purposely avoiding my calls and not calling back when I have left multiple voice mails to his extension to find out the status on the account and see if he ever recieved my last faxes. She sent me to his extension and I left another voice mail (I tried more than three times over the course of 3 days to contact him). It has been months since then and no call from him was EVER made to me. The last time I called I told them that if I recieved any more mail or phone calls from their company, I would consider legal action.
Since then, I have had no communications from JBC Legal Group.
Two months ago I was informed by a car dealership that ran my credit report, that I had been reported for $50.00 to the credit bureau over a year ago. That it was NCO Financial that reported me to them. I did see a copy of this credit report. So now, I have to write the credit bureau and send them a copy of the check NCO cashed to get my credit repaired.
As of today: August 6, 2005, I recieved a bill from NCO Financial Systems Inc. (Apparently they are servicing the account again, probably because JBC wasn't getting it done).
This time they: "will offer you a 50% settlement on your total balance." Funny, since they have already recieved the money over a year ago, and reported me to the credit bureau.
I am so frustrated with them it's not even funny. I suppose I will have to call NCO and explain to them that they have been paid. My guess is that i'll be going around in circles about this for quite some time. Someone please give me some advice, I could really use some.
#4 Author of original report
Sent Another Fax
AUTHOR: Chi - (U.S.A.)
SUBMITTED: Thursday, October 28, 2004
Sent a 3rd fax today. I am going to call them yet again and see if they got it. Here's to hoping.
#3 Author of original report
Sent Another Fax
AUTHOR: Chi - (U.S.A.)
SUBMITTED: Thursday, October 28, 2004
Sent a 3rd fax today. I am going to call them yet again and see if they got it. Here's to hoping.
#2 Author of original report
Sent Another Fax
AUTHOR: Chi - (U.S.A.)
SUBMITTED: Thursday, October 28, 2004
Sent a 3rd fax today. I am going to call them yet again and see if they got it. Here's to hoping.
#1 Author of original report
Sent Another Fax
AUTHOR: Chi - (U.S.A.)
SUBMITTED: Thursday, October 28, 2004
Sent a 3rd fax today. I am going to call them yet again and see if they got it. Here's to hoping.
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