Report: #348696

Complaint Review: NCO Financial Systems, INC.

  • Submitted: Tue, July 08, 2008
  • Updated: Thu, December 10, 2009
  • Reported By: Los Angeles California
  • NCO Financial Systems, INC.
    507 Prudential Road
    Horsham, Pennsylvania

NCO Financial Systems, INC. WARNING! FRAUDULANT BILLING!!! This FRAUDULENT "company" attempts to collect a debt and this company is FAKE with many different names! Go to WWW.BBB.COM and get your money back! IT'S A CRIME. DON'T PAY. F-R-A-U-D!!! FRAUDULENT MAILINGS / SOLICITATIONS ALL OVER THE U. S. A.!!! FRAUDULENT MAILINGS / SOLICITATIONS ALL OVER THE U. S. A. Nationwide

*Consumer Comment: I understood

*UPDATE EX-employee responds: The whole story..

Show customers why they should trust your business over your competitors...

Here is my letter to the Better Business Bureau, online:

I've been fraudulently billed by collections and I'd like a refund. The local police station said that the better business bureau could help me and there was no police report made.

I received a letter in the mail in late 2007 from NCO Financial Systems, Inc. 507 Prudential Road, Horsham, PA, 19044; P. O. Box 4909 Dept 22, Trenton, NJ, 08650-4909; P. O. Box 4907, Trenton, NJ, 08650-4907 - dated November 07, 2007 which states that I owed $230.41 as a debt to Sprint, the telephone company. I've had an account with Sprint a year or two before and I already paid them but I thought Sprint never received my check in the mail so I decided to pay by credit card using the web address provided by NCO Financial Systems, Inc., in this letter ( The website given to me in the letter as an option of payment was, with the "unique registration code": CQER8162-2AJVR4. I registered with samanthascarano as my username and my password was samantha1. I tried to pay with my Visa, it was declined; I tried my Debit/MasterCard, it was declined; I tried the Visa once more, and it went through; I paid $230.41 with Visa ending in 2383 on12/15/'07. My cards were working fine around that time everywhere else so I thought that was odd!

I've had money stolen from my bank account since then but cleared it up.

A couple of months ago, I received the same type of letter, this time from AssetCare, Inc., 5100 Peachtree Industrial Blvd., Norcross, GA, 30071; P. O. Box 15379 Dept 17, Wilmington, DE, 19850; P. O. Box 15380, Wilmington, DE, 19850-5380. Then another, dated 06/04/2008 claiming that there was a settlement offer to be made, if I act quickly since that offer could expire at any time without notice and that offer was for 60% ( $136.35) of the total balance to pay of the previous (2nd) letter I received which I shredded upon receiving the 3rd " Settlement Offer" letter based on the 2nd letter since I thought I no longer needed to retain this info. because all of it was the same except for the 60% settlement offer. Now, apparently, I had an outstanding balance with a company called, " MedClr, INC" for $227.25.

I called the number as I was instructed in the letter to do for this "special" offer: 1-866-429-3592. I was also given the option to pay at this website: with the "unique registration code": CRJ22471-76DRT0 but the letter said, " Before making payment, please confirm with one of our representatives that this offer has not expired. I called up and there was little to no professionalism that most would expect from a legitamit company, the woman said these calls are recorded for accuracy and any information I give will be used for billing purposes and then asked for the last four digits of my social security number, along with my name and etc. to identify me, I guess. I thought that was odd, so I asked what did I owe for and how much, etc. She gave me SEVERAL different amounts owed to only a few different companies... only some of which I HAD owed debt to in the past but PAID IT ALL OFF in the past! Nothing she stated now matched the amount in the letter, not even the "settlement fee"... so she was lying. I asked what MedClr was. I had to help her understand the question. I re-worded and repeated the question a few times, she finally told me I owed that to Hollywood Presbyterian Medical Physicians - which is true but that was paid off 3 years ago ( so was Sprint) and the letters didn't look like that and how come the 3 letters all looked the same; there were several different companies using the name MedClr - connected to numerous fraudulent billings all over the U. S. ( I google a lot), also not trusted by McAfee... my antivirus system which I've had for 3 years almost but ONLY since I checked again to see what was up - now suspicious- a couple weeks ago, there's a warning from McAfee stating I should not go to that website since they do things that people don't like and can't be trusted. When I googled "MedClr, INC NCO Financial" there were people who have had similar experiences with mine and have sued, recently; but I don't have money for a lawyer. I just want my money back, please!

Thank You,
Samantha M. Scarano

P. S: Please tell Assetcare to please stop harassing me. This is F-R-A-U-D. They've begun calling since I called them that one time. I refuse to get ripped off again, sorry!

P. P. S: Here are some other names this company boasts it's affiliation with in it's mailings:

NCO PORTFOLIO MANAGEMENT, INC.; NCOP Financing, Inc.; NCOP Services, Inc.; NCOP Holdings, LLC; NCOP Nevada Holdings, Inc.; Creditrust SPV2, LLC; Creditrust SPV 99-2, LLC; NCOP Capital Inc.; Creditrust SPV98-2, LLC; Creditrust Funding I, LLC; NCOP I, Inc; NCOP II, Inc; NCOP III, Inc; NCOP IV, Inc; NCOP V, Inc; NCOP VI, Inc; NCOP VII, Inc; NCOP VIII, LLC; NCOP/CF, LLC; NCOP Lakes, Inc; Creditrust SPV99-1, LLC; NCOP/Marlin, Inc.; InoVision Capitol, LLC; Inovision-Medclr NCOP Ventures, LLC; Inovision-Medclr-NCOP-F, LLC; NCOP-AN, LP; NCOP-BAR, LP; NCO Capitol I, LLC; NCO Capitol II, LLC; NCOP-CF-MED, LLC; IMNV Holdings, LLC; Inovision Medclr Portfolio Group, LLC; NCOP-CVI-Marlin, LLC; Medclr, Inc; Inovision, Inc; Integrated Capitol, A NCOP Company, LLC; Inovision, A NCOP Company, LLC; NCOP Capitol IIII, LLC; and NCOP-CF II, LLC.

There are many more companies to be listed, but I might get a bigger headache if I type any further. I hope this helps to assist many, many Americans who are targeted by these criminals.

Los Angeles, California

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This report was posted on Ripoff Report on 07/08/2008 10:13 AM and is a permanent record located here: 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. Ripoff Report has an exclusive license to this report. It may not be copied without the written permission of Ripoff Report. READ: Foreign websites steal our content

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Updates & Rebuttals


#1 Consumer Comment

I understood

AUTHOR: BlackMuse - (USA)

NCO was billing her for accounts already paid. I would send send a certified letter (maybe contact a lawyer) detailing what you supposedly owe to them. If you get the list (with this company it is questionable) I would make sure no prior payments had been made. If not, pay off the debt and ASK FOR A RECEIPT, signed if possible. This company has a rep for coming back years later asking for money you gave them.
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#2 UPDATE EX-employee responds

The whole story..

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

After reading your complaint, I must say that you had a lot to say!  I am a former employee of this company (I left after 10 years and only for career progression), and over the years, I have heard many stories of why people think a collection agency is a fraud.  Ultimately, you have to understand:  NCO or any collection agency for that matter, did not look your name up in a phone book to say "we want to harrass this person today!"  The original creditor who was not paid, for whatever reason, called NCO and asked for their help!  Obviously, it did not look to them that the problem was going to be resolved any other way.

Another comment I wanted to make was that in reading your complaint, I noticed that after paragraph after paragraph, I still was not able to make out how you felt they were fraudulent.  Maybe whomever you talked to at NCO felt the same.  Your tirade was pretty long-winded and lacked structure.  I did make out a couple of things, one being that you paid your bill long ago.  Fact: companies DO make mistakes, and if Spring sent your account to a collection agency unwarranted, then your gripe should be with them, not the agency.  How would NCO know it was paid?  They get all of their information from the original creditor...who shows it isn't paid.  So, if you did pay, then you should have proof, right?  You said you wasn't sure if the check cleared.  This tells me you don't stay on top of your own finances.  When you balance your checkbook, you will know if a check cleared or not.  I believe this is the real issue.  Your debit cards didn't clear because either there ws no money in that particular account to cover what you were trying to do (which you wouldn't know because you don't stay on top of your checking account), or you entered in incorrect information for the card (card number wrong, incorrect address, incorrect CCID#, etc.) which prompted the security measure on the system to deploy that prevents credit card fraud attempts.

One other thing:  NCO doesn't buy collection accounts such as this like some other agencies do, so if there is a problem with your original account, then you can still call the original creditor, in this case, Sprint.

This is why the police did not file a report. They hear this all of the did I.  You obviously have a few accounts in collection, hence the reason why another branch or agency contacted you.

Suggestion: 1. Take an financial management course.  Looks like you could  

                     benefit from one.

                 2.  Contact your original creditor and provide them proof that you've paid

                      your bill.  They will gladly remove you from collections.  Collections is

                      expensive for creditors and believe me, they would love to be able to 

                      close an account without it being charged off.  They don't benefit

                      anything by giving $230 worth of credit only to be paid $130 before

                      collection fees are subtracted (which can be anywhere from 25%-

                      50% taken off of the $130!). 

                  3.  Be a little less dramatic in your communication and more informative. 

                       The same adage applies with collection representaitives as it does to

                        the public:  "You'll get a lot further with a softer tone."

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