NCO Financial Systems NCO claims that I owe Wells Fargo Bank $2604.55, as well as stating that the Creditor, Wells Fargo is accepting 50% of the balance $1302.28. I called Wells Frago Bank and they stated the account does not exist in the Recovery Department. ripoff Horsham Pennsylvania

I rec'd a letter dated 12/10/06 from NCO with 2 different addresses:1. PO Box 15630, Dept 16, Wilmington, DE 19850-5630 and 507 Prudential Rd, Horsham, PA 19044, telephone 1-877-859-8938. On the letter it has a 6 digit account with my maiden name when I actually use my married name but current address was right. It stipulates that my account was sold to INOVISION-MEDCLR PORTFOLIO GROUP, LLC and NCO is the servicer of their account.

NCO stated that the creditor has agreed to accept 50% of the balance listed as $2604.55or $1302.28 as a lump sum settlement of the account. On the bottom of the letter states that this collection agency is licensed by the department of Consumer Affairs, the City of NY License#0907469.

I immediately looked at all of my credit reports to find out that NCO Group, not NCO Financial Systems INC., made a regular inquiry on my Transunion credit history on 10/9/04. The address is correct but the telephone number is different from the letter. The number on credit report is 1-888-207-3081. I called Transunion and they told me that they took off NCO Group from the credit report 2 months ago, but they do keep regular inquiries up to 2 years on the report. Interestingly, the letter office hours is from 8AM - 9PM, so I called at 10:45PM at 1-877-859-5630 a female by the name of Anita picked up the phone.

I then called Wells Fargo Bank in California, my account is so old that they could not give me information (14 years old), in other words I don't exist in their system. Wells Fargo Bank refused to give me in writing that account#4726421812112 is closed.

I informed all 3 credit bureaus to add another fraud alert since I was also a victim of identity theft during the summer. I will call BBB in Wilmington, DE as well as in Horsham, PA, and the Attorney General's Office in DE, PA & in NY. I will call the Dept of Consumer Affairs to check up on the NY license.

I did call and file a police report,and I was told that the police report will be forwarded to the Identity Theft Department. I should be able to pick up a copy of the police report in a few days.

Elizabeth
Bay Shore, New York
U.S.A.