Report: #1064161

Complaint Review: NCO FINANCIAL - Internet

  • Submitted:
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  • Reported By: Fighting Back Against Predators — New Jersey
  • Author Not Confirmed What's this?
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NCO FINANCIAL AKA NCO GROUP AKA NCO Debt Collector - Preditor Who Demands D.O.B. and/or SS# for debt information Internet

*Author of original report: NCO Financial

*Consumer Comment: Info for you

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NCO Financial began leaving voice messages for me to call immediately about an open debt.  The rep left her name but not the company.  Since I do not have any open debt I thought they had the wrong number.  After two weeks of messages, I called to let them know they had the wrong number, take me off their call list and not to call me again.

The rep who answered claimed the debt was definately in my name and I had to provide my D.O.B and/or the last 4 digits of my SS# just to verify my identity.  Since I have read many warnings against doing this I refused and asked for information regarding the debtor.  We had a back and forth conversation, with him demanding my personal information and me refusing.  He finally got annoyed and said go to our website and check for myself.  He said you will definately be calling me back.

I went to their website, but it asks for my name, address and phone number, which I refuse to provide.  I'm wondering if he got my name from the caller ID on his phone display and now have opened myself up for harrassment and false claims of a debt I don't have. 

Beware of this company.  I went on line and read a lot of really scary complaints about them. The numbers they use are 800-733-8782, 201-942-4418 and 201-942-4414.


This report was posted on Ripoff Report on 07/03/2013 11:08 AM and is a permanent record located here: https://www.ripoffreport.com/reports/nco-financial/internet/nco-financial-aka-nco-group-aka-nco-debt-collector-preditor-who-demands-dob-andor-s-1064161. 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

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#2 Author of original report

NCO Financial

AUTHOR: fighting back against predators - ()

POSTED: Tuesday, July 23, 2013

Update to my complaint.  After my complaint was posted regarding NCO refusing to provide me with information about the debit they claimed I owe, I received a letter from them providing information on the debt.  I received another phone message from their credit representative to call regarding a debt.  I called back, the rep that answered immediately said "is this XXXXX (my name)" I confirmed it was and once again was asked to provide my date of birth.  When I said she should have this if this is a legitimate collection agency, she said she has no idea who she is speaking with, or who called her.  Once again, I refused to provide my DOB but gave her information regarding the debt I was told I owed i.e. company name and services NOT provided to me that was referenced in their letter.  She stopped me and said "we have nothing to discuss, I am not going to listen to you, I don't know who you are." When I reminded her that she gave me my name in the beginning of the call, she said that meant nothing without my date of birth.  I asked her if she was refusing to discuss this claim with me, she said "we have nothing to discuss, I'm hanging up"  That was the end of conversation.  Same bad attitude as the first rep I spoke to.  Has anyone dealt with this entity and should I provide my personal information to them?  I don't know who they are, with all the bogus companies out there they may be just another one trying to get my personal information.

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#1 Consumer Comment

Info for you

AUTHOR: Stacey - ()

POSTED: Wednesday, July 10, 2013

 World's Largest Debt Collection Operation Settles FTC Charges, Will Pay $3.2 Million Penalty

Largest Civil Penalty Ever Obtained by the FTC Against a Third-party Debt Collector

The world’s largest debt collection  operation, Expert Global Solutions and its subsidiaries, has agreed to stop  harassing consumers with allegedly illegal debt collection calls and to pay a $3.2 million civil penalty – the largest ever obtained  by the Federal Trade Commission against a third-party debt collector.

In its complaint, the FTC  charged that the companies violated the Fair Debt Collection Practices Act and  the FTC Act by using tactics such as calling consumers  multiple times per day, calling even after being asked to stop, calling early  in the morning or late at night, calling consumers’ workplaces despite knowing  that the employers prohibited such calls, and leaving phone messages that  disclosed the debtor’s name, and the existence of the debt, to third  parties.  According to the FTC’s complaint, the companies also continued  collection efforts without verifying the debt, even after consumers said they  did not owe it.

Under the proposed order, whenever a consumer  disputes the validity or the amount of the debt, the defendants must either  close the account and end collection efforts, or suspend collection until they  have conducted a reasonable investigation and verified that their information  about the debt is accurate and complete.  The proposed order also restricts situations  in which the defendants can leave voicemails that disclose the alleged debtor’s  name and the fact that he or she may owe a debt. 

Also under the proposed order, the  defendants must:  stop falsely  representing that they will not call a number to collect a debt; not harass,  oppress, or abuse a consumer while attempting to collect a debt; not communicate  with third parties about a consumer’s debt; not communicate with a consumer at  his or her workplace if it is clearly inconvenient or prohibited by the  consumer’s employer; except in limited circumstances, cease communications if a  consumer has requested no further contact or if a consumer refuses to pay a  debt; and not violate any provision of the Fair Debt Collection Practices Act.  The defendants also are required to record at  least 75 percent of all their debt collection calls beginning one year after  the date of the order, and retain the recordings for 90 days after they are  made.

With more than 32,000 employees and  revenues in 2011 of more than $1.2 billion, the Texas-based Expert Global  Solutions and its subsidiaries – ALW Sourcing, LLC; NCO Financial Systems, Inc.;  and Transworld Systems, Inc., which also does business as North Shore Agency,  Inc. – collectively are the largest debt collector in the world.  In addition to their U.S. offices, the  companies operate in Canada, Barbados, India, the Philippines, and Panama.

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