NCO Financial Ted James ripoff Philadelphia Pennsylvania

NCO Financial Ted James And Other Unprofessional Employees harassed, lied, screamed and belittled me. When payment was made they lied and said they wanted more. Philadelphia Pennsylvania .....

I have been in contact with this company for about a year now. It is in regards to a debt that I did make on my first financial bank usa credit card. I do admit that I made this debt and I am trying to pay it off, but this company demands exorbant amounts of money in thirty days or less!

I made a verbal agreement via phone with TED JAMES (the biggest jackass I have ever had the displeasure of talking to)to settle the balance owed (some 2600$)He informed me that the company would settle for 1125$ which could be made in 2 installments.

I made the first installment in January. I told MR. JAMES that I could not guarantee a date for the next installment because I was waiting on my tax return to have money to pay him.

I did my part by leaving several messages regarding this on his voicemail. NEVER ONCE did this person return my phone calls to try and set up different payment arrangements. I thought it to be quite strange for a bill collector to not return a phone call, but being a full time mom and a full time college student I didn't have the time to worry about it.

I sent in the next installment the very day that I received my income tax return (which was not until the end of march-hey not my fault) Again I did not hear from this company (even to confirm that my payment was received) until the end of may. MR. JAMES informed me that because I had not made my second payment by February 28 the verbal agreement was now null and void and I still owe them another 1125$.

He has called several times since may, but I have only talked to him 3 times, with all three conversations being harassing on his part. Tuesday night (6/17/03) was the last conversation I had with him and 2 other of his co-workers. MR. JAMES was extremely rude and demanding of money from me, as was another female who did not tell me her name.

I explained several times that I am a single mother/full time student and I already paid him what I agreed to and I wasn't sending anymore money because I don't have any. He kept arguing with me. Finally I swore at him and told him I was contacting my lawyer and not to ever call my f***ing house again.

After I hung up, I called back to talk to a supervisor. I know for a fact that collectors are not permitted to swear at or "be mean" the account holders they call. He did not answer and I was put to the voicemail. I did not leave a message. the computer said to hold on the line and I would be transferred.

I was transferred- to another computer who could only help me if I knew my party's 4 digit extension. I transferred back to MR. JAMES and asked to speak to his supervisor. he did, but only after asking me 15 times who I was.

when I said I was a "customer" (for lack of better word at the time), he became angry and said that I wasnt a customer, but a debtor. and he kept taunting me with it. "You're a debtor...you're a debtor...etc, etc.

So then this broad gets on the phone and from that minute on she was mean and nasty. She finished her shpeal about why I still owe another 1125$. When I began my next question with "also," this crazy b***h started screaming at me and said I wasnt allowed to say anything else.

I told her point blank that I was not putting up with her getting smart with me anymore and I wanted to speak to her supervisor. She said, "go ahead I'll put you through. We can go around this whole room and you'll get the same answer from everyone."

I finally got to speak to her supervisor. A seemingly pleasant woman named Rita. I let her know that I was not going to put up with being treated like an animal. I am making an attempt to pay and I deserve to be spoken to like a human being.

She continued to be pleasant throughout the conversation. However, she did not seem to care about the way her employees handled the situation. Even when I stated that I made a payment and no one contacted me for two months.

I don't know about anyone else, but in my place of buisness, if I went without contacting my clients for even one day I would lose my job.

I am sick and tired of this s**t. This company's antics are redicuously out of line. I will not stand for it anymore. If there is anyone in Ohio who can refer me some legal assistance with this matter let me know.

Charity Canal Fulton, Ohio
U.S.A.

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