NCO Financial Systems, ripoff Harassment Lied fraudulent billing Horsham Pennsylvania

David,

First, in the future, do not give out your credit card information to collection agencies. You don't know who they employ or how they may abuse your personal information. Instead, try paying with a check and indicate on that check what that payment is for. Cancelled checks are indisputable evidence proving you made a payment. Make sure you send your payment through certified mail with return receipt, so you have written record as to when they received the payment.

It is good that you held onto your credit card statements and have reference numbers from Cellular indicating that you paid what you owe.

Your next step is to write a letter to both NCO and Cellular disputing the debt. In your letter, state that the balance was paid in full and include the reference numbers Cellular provided, in addition to the name of the person at Cellular who gave that information to you. Inform them as well that they must immediately update their reporting to the credit bureas indicating that this debt was paid in full. Tell them they may not contact you by phone, only through written correspondence. Inform both Cellular and NCO in the letters that if they do not update their records to reflect you paid off this debt, you can pursue legal action against them under both the Fair Debt Collections Practices and Fair Credit Reporting acts. Be sure to mail these letters certified with return receipt.

In addition, contact all three credit bureaus in writing requesting an investigation into any reporting of this debt. Inform them you paid this debt in full, and want that information stated in your credit report. With your letter, include a copy of your credit card statement indicating payment of these debts, and include the reference numbers you were told by the Cellular representative verifying that this debt was paid. The credit bureaus must investigate and report back to you within 30 days.

By the way, after Cellular sold their account to NCO, they had no business billing you for that amount. That is purpose of having a collections agency collect on their behalf. I would not pay NCO anything more than you already did. You never entered into a contract with NCO, and therefore are not responsible for any interest they wish to tack on.

You fulfilled your obligation to your debt. Don't let representatives of NCO coerce you into paying more than you originally owed.