Ripoff Report Needs Your Help!
Report: #178270

Complaint Review: NCO Financial Systems - Horsham Pennsylvania

  • Submitted:
  • Updated:
  • Reported By: Memphis Tennessee
  • Author Confirmed What's this?
  • Why?
  • NCO Financial Systems 507 Prudential Road Horsham, Pennsylvania U.S.A.

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

Is this
Report about YOU
listed on other sites?
Those sites steal
Ripoff Report's
We can get those
removed for you!
Find out more here.
How to fix
Ripoff Report
If your business is
willing to make a
commitment to
customer satisfaction
Click here now..

For the last 2 years I have had a collection account appearing on my credit report for a supposed unpaid medical bill. I have never received notification of the debt that I can recall. I don't receive phone calls about the debt. I don't know the account number. I finally got NCO's number from their website and decided to call them to request a bill so I could pay the debt because there is a strong possibility it is valid.

When I called NCO the first representative I spoke with said the account has been closed since November and told me to speak with someone in their credit reporting department. I called that department and was told the account was listed as being in bankruptcy. The problem with that is that I have never filed bankruptcy but my father, who was the responsible party for my medical bills until I turned 23, did file bankruptcy. The account also is in my father's name but has only my SSN.

Then I noticed that this account is responsible for his name being on the personal information section of my credit report and it will not be removed until the account is deleted. I was told to send a letter containing this information to NCO and that it would be removed from my report but with all that I have read about NCO I don't have much faith in that. Any suggestions on what I should do if it still is not resolved after I send the letter?

Memphis, Tennessee

This report was posted on Ripoff Report on 02/27/2006 04:49 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

Search for additional reports

If you would like to see more Rip-off Reports on this company/individual, search here:

Report & Rebuttal
Respond to this report!
What's this?
Also a victim?
What's this?
Repair Your Reputation!
What's this?

Updates & Rebuttals


#2 Consumer Suggestion

Never speak to ANY collector, ESPECIALLY NCO!

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

POSTED: Monday, March 13, 2006

Do everything in writing, by certified mail, return reciept requested.

Put the certified# on the letter itself, and keep a copy of the letter for your records.

Provide as much documentation for your case as possible, but do not give them your full SS#, DOB, or employment info.

And, DO NOT sign the letter. Print your name and initial it.

Many collectors will fabricate documents and place your signature on them.

Send letters and supporting documents by the same method above to each credit bureau.

Respond to this report!
What's this?

#1 Consumer Comment

NCO Financial, Proven Fraudulent

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

POSTED: Sunday, March 12, 2006

Sounds as if you need to sue under the Fair Credit Reporting Act. This means money for you. You'll have to deal with NCO regarding this, because credit reporting agencies simply send a message to NCO (or whoever) and ask if the debt is valid, of course the collector says "yes it's valid". Everything reported on your credit file must be truth, and if not it must be removed.

Next time you contact NCO, ask them how they can be considered legit and believed, when the Pennsylvania Attorney General just took them for the biggest fine ever to a collection agency.

Respond to this report!
What's this?
Featured Reports

Advertisers above have met our
strict standards for business conduct.

What do hackers,
questionable attorneys and
fake court orders have in common?
...Dishonest Reputation Management Investigates Reputation Repair
Free speech rights compromised

Segment Now