NCO FINANCIAL SYSTEMS They are trying to collect on a credit card that never exsisted Baltimore Maryland

Yea, with the bizzaro things NCO does to you folks I recommend filing with PA Attorney Generals office, you can file online - they are investigating NCO. And who knows they may fine 'em again like they did a couple of years back.

Well it took me a while. I found where NCO had inquired on my credit report. They listed themselves as a mortgage company. Pulled a credit report and acquired most of the information they needed to start sending request for monies that I do not owe. Strange that with all the closed accounts and inactive account numbers on the report. NCO's best shot was to make up a number that never existed.

I never went to any mortgage company, now or in the past to inquire of loans or refinancing any properties. So when it did show up, it stuck out like a sore thumb.

I was just talking with my self, is this not fraud? NCO representing themselves as a mortgage company in order to acquire data and information?

James

I received the same letter as you, but I owe over 19,000. with growing interest!
Call the BBB, FTC in PA. Also, call your local news and newspapers and get your story out! I called my local newspaper, and they are going to do a column on NCO.

Heres the other number 1-877-745-0246.

You can also check out a great helpful web-site which you can print out a free "cease and desist" letter to NCO. on: http://www.budhibbs.com

Good luck..Dont pay them anything if you definately sure you do not owe!!!

Kim, NY

Well, after looking over all the other people getting these letters. I wrote
to NCO asking about validation. I also informed them of the countless hours I spent on the phone seeking out the original creditor.

Both of which do not exist. The closest I ever got was to chase/assignee of Providian. Who verified that such an account number as listed on the NCO demand for payment, simply never existed. I ended up in the fraud department of Chase who verified this was a fraudulent attempt to collect a debt.

I was somewhat set back that Chase took no more interest in the item than just an acknowledgment of fraud. If it was my company NCO was using as a front to collect money with. I would be all over it. Tends to cause some more consideration, that perhaps Chase is not all that innocent either in the matter. Chase may be out to make a few bucks them selves selling bad, outdated and tainted information to places as NCO. I will look into that a little later. I am thinking that if Chase did not sell bad data to NCO in the first place, then none of this would have happened at all, to anyone. Chase seems to be the company we should be going after.

Chase can get mad that I even mentioned them as part of the problem. So they can take back their credit card. I have not used it in the last 12 years anyway.

Anyhow, lest I continue to ramble, I received back this letter from NCO:

NCO FINANCIAL SYSTEMS INC
504 Prudential Road. Horsham,
PA 19044

OFFICE HOURS:

calls to or from this company may 8AM9PM MON-THRUSDAY
be monitored or recorded for QUALITY 8AM-5M FRIDAY
assurance. 8AM-I2PM SATURDAY
Dec. 28. 2007


JAMES G.
NW PORTFOLIO MANAGEMENT
FORMER CREDITOR:
CHASE/ASSIGNEE OF PROVIDIAN
ACCOUNT #: ############
REGARDING: CHASE/PROVIDIAN





Dear JAMES G

Thank you for your inquiry regarding the account listed above. Please be advised that this account is closed in our office.



According to our records. We have not reported the account to a credit bureau. Please be advised that NCO Financial Systems. Inc. cannot effect a change as to how any other company may have listed the account on your credit profile. We appreciate the opportunity to respond to your inquiry.

This is an attempt to collect a debt. Any information oobtained will be used for that purpose. This is a communications from a debt collector.

That is it. Nothing more, nothing less. No validation, nothing.

Now I have this pile of paper work with letters written to the DA in Pa, NM, The postal service in PA, NM, my Congress Woman, my Senator,the BBB in NM, and PA, and a few more including a letter to Tracy A Wild, corp attorney for NCO.

I have already filed with the FTC and looked into an attorney with experience in this type of litigation. I am under the thought that I should send the letters any way just to confirm my phone calls to many of the above. In order to also have a record of complaint against NCO for the alleged demand for payment on an account which never existed.

So all of you who get this garbage in the mail. Request validation. Do it in writing and certified return mail. Do that request within a few days of receiving the letter from NCO. Do not wait for a few weeks. If you want to further your investigation, do get in touch with the alleged former creditor they list. Call them up and give them a good talking to. NCO got the information, tainted, old, bad or partial data from someplace.

Don't panic. Follow the laws set aside for creditors. Make places like NCO jump through the hoops and prove you owe anything.

However if you owe the money, if it is not out of SOL in your state, contact the listed creditor first.

If you have no idea as to what the debt is or it is legally out of SOL, discharged in Bankruptcy, etc. Them demand validation from NCO and get in touch with the listed former creditor.