Could use some advice on what do do about debt with NCO

Product/Service: Debt Collection- Cellular Phone Service
11/1/2009

To start off, back in December of 2008 I was laid off from my job. I immediately had to cancel my cell phone service, because I could no longer afford it. I was subject to an early termination for each of the two phone's that were on my account. I had a bill of approx 520$ that I needed to pay. I di... Read full review >

Horrible Company

Product/Service: Debt Collectors
8/20/2009 horsham Pa PA

I am so upset with NCO Financial Services. The employees who work there are very rude. I am dealing with a terrible issue right now as we speak. I called NCO to have a check posted on a certain date, to pay off a debt, and this company posted the check on another date, causing, my bank account to ha... Read full review >

I Need Advice On How To Handle Shady Company . . .

Product/Service: Debt Collection
4/16/2009

Here's what happened . . .

I had a credit card account that was closed in 11/2004 and sold to NCO in 3/2005. NCO had contacted me soon afterwards, and I spent a month attempting to negotiate a settlement with NCO. On 4/30/05, I paid $1100 in order to settle the account which had a $1900 balance a... Read full review >

Already Fined And Found Unprofessional Business Practice

Product/Service: Debt Collection
3/24/2009 PA

I just received a phone call from NCO financial systems trying to get information from someone I am not related to, nor have spoken to in over 7 years. The number that called me was 918-665-8200.

The people were antagonistic and almost demanding that I give give personal info.
I looked them up... Read full review >

Harassment and Badgering

Product/Service: Debt Collection Attempt
2/17/2009 St. Louis

My husband and I have started getting calls from NCO Financial for a debt incurred by our grown son. The debt is originally owed to a local hospital for an ER trip. Although our son had insurance, the hospital did not copy down the information correctly and then tried to bill my insurance from recor... Read full review >

4:30 pm

Product/Service: Debt Collection
2/13/2009 Minn MN

Called on phone bill from 1995 that I had no remembrance of. After I wouldn't agree to pay without proof of debt call given to somebody with firm voice trying to intimidate, but a no go for me, without proof said I have to wait for month for document. I will wait patiently.... Read full review >

NCO Harassment and Degradation

Product/Service: Debt Collection
7/23/2008 Fowlerville MI

Got a call from NCO Financial Services. "Mr. Keys" tells me I have a debt that needs to be paid. I have never received one piece of mail from NCO Financial, let alone any other calls. So when asked to send me some mail regarding this notice, I was told "Nope, were just going to go ahead with the ... Read full review >

Harassing Phone Calls

Product/Service: Debt Collection
3/30/2008 philadelphia, PA PA

I receive an automated message every single day including Sunday --- morning!! There is absolutely no way to reach anyone there - I am recently divorced and they are not likely to be looking for me... I recently refinanced and have a near perfect credit rating and no outstanding debts. These peopl... Read full review >

Shady dealings

Product/Service: Debt Collection
2/20/2008 Reading PA

I received a phone call last week asking for me specifically. I inquired as to who was calling and I immediately told that the call was an attempt to collect a debt and that I knew I owed money and should not be playing games. I hung up. Since that time I have received numerous calls requesting I ca... Read full review >

NCO Financial crooks...

Product/Service: Debt Collection
2/15/2008 NY

Looks like I'm not the only one having trouble with these criminals so let me get straight to it. On August 6, 2003, I called 911 because I was jumped. Few months later, I receive a bill for $488.00 for the ambulance trip to the hospital. However, on the bill it says that if I provide the necessary ... Read full review >

Collection calls

Product/Service: debt collection
9/27/2007 saginaw MI

I recently had occasion to get a call from NCO regarding a bill going back to 1993 that was paid in full.

I was left with messages several times to call their office regarding this "unpaid obligation" and when I attempted to return the call their phone system either cut off or I simply could not... Read full review >

They lied to get our payment, now we have to pay the original co

Product/Service: Debt Collections - might be illegal
8/6/2007 Horsham PA

I had an acct that got sent to Asset Acceptance LLC for payment. I recd letters from them. Couple months ago, I recd a letter from NCO Financial Systems stating that they bought out the bill from Asset Acceptance LLC, and they would accept $1,055.63 for the debt.I mailed a check for $1,055.63 check ... Read full review >

Bad debt collection

Product/Service: Debt FRAUD?
5/7/2007

Sent us a bill from a DR we had been to but was not our bill. When I called they said it could not not possibly be a mistake I needed to go ahead and pay it. I asked for a detailed report and the name on the bill or the address was not even ours. NCO put it on credit report before we even got the b... Read full review >

Mixed review

Product/Service: Debt Collection
3/30/2007 Plymouth IN

I actually have mixed reviews about this company. I have had numerous medical bills go to NCO. I have been a victim of the countless calls, etc. However, I can't say that I blame them for wanting to collect their money! We just weren't in a position at that time to pay them. At one point I set ... Read full review >

Can't be trusted

Product/Service: Debt Collection
3/17/2007 MI

Thank you all for entering your thoughts. I know now what I'm up against. About 2/1/2007 I agreed on a settlement amount, to be paid by 2/28. I told them I wouldn't pay unless I had the agreement in writing. After waiting over a week, I called. They said on Saturday, "I don't know if its been s... Read full review >

Early in the morning telephone calls

Product/Service: Debt Collection
2/24/2007 Fort Smith AR

This company has called my home on numerous occasions for 2 different companies. They collect for both Walmart credit cards and JC Penney credit cards. I received a call today, like many in the past. 7:15, phone rings. I see it's them, and answer it. They ask for my husband. I tell that that i... Read full review >

Nco is very fair

Product/Service: debt collection
2/16/2007

Hello my name is RObert I work for nco financial services. I cant belive the garbage i have read on this site about the company. We are very fdcpa compliant and if we have broken fdcpa laws it is mainly because debtors give misleading information to dodge their debt. For instant we run live messenge... Read full review >

Attempted debt collection for aol

Product/Service: debt collection
9/29/2006 PA

I received a debt collection for charges from aol. I never dealt with aol, but had some charges from aol on my credit card statement,[ MBNA ]. I disputed the charges and they acknowledged them and credited my account. This was about 2 months ago. On 9-27-06, Igot a debt collection notice from NCO fi... Read full review >

Annoying NCO collectors

Product/Service: Debt collection
7/3/2006

For the last several months I have been receiving daily phone calls from multiple employees of NCO and there have been a few harrassing calls left on both my cell phone and home phone stating that if I am in a vegatable like state to have someone hold the phone to my ear and grunt to make a decision... Read full review >

NCO hard to work with

Product/Service: Debt collection
6/15/2006 Las Vegas NV

I have been getting calls from NCO regarding an American Express account. I have called back and left messages on the extension indicated. I have talked to three different reps who can not find any information on me. Earlier this week I answer a call from Mr. Palmer. He says that I have been avo... Read full review >

Harassing Phone Calls

Product/Service: Debt Collecting
5/20/2006 Saint Cloud FL

NCO Financial Systems has recently been calling me regarding a past due Sprint PCS bill. The calls get more and more harassing each time. I am in a situation that because I am on an unpaid medical exernship I can't pay the amount they cloaim until September. Also, the amount I have been told by N... Read full review >

NCO harrassing me - trying to collect PAID debt

Product/Service: Debt Collection
5/12/2006

For the last several months I have received harrassing letters and phone calls from NCO to pay a debt that is not only over 16 years old, but one I PAID another collection agency for 6 years ago! I initially ignored NCOs contacts for fear that if I responded they could slap it back on my credit repo... Read full review >

Debt Collector Harassment or Abuse?

Product/Service: Debt Collection Practices
4/26/2006 Horsham PA

Debt collection can be a harrowing experience. Often, debt collectors are underpaid, undertrained, and underhanded. It is the last description that has brought you to this site.

If you believe your debt collection rights have been violated, I would like to hear from you.

By visiting my websi... Read full review >

Harrassing, Rude, and Pushy

Product/Service: Debt Collection
10/10/2005

I too am being harrassed by these rude folks. I made an arrangement with them. Fine. Well, you'd think. Ha! That was at 2:45pm on 10/9/05. Got another call from them at 6:35pm the very same day. The lady said she'd take me off the call list. Fine. Well, you'd think. Ha!

Today I received ... Read full review >

NCO got me

Product/Service: Debt Collection crazy
8/29/2005 houston TX

I had a debt owed to sprint pcs of $595. I never paid it and it went to a debt collection agency called Risk Management Alternatives. It went on my credit in 2002. Now in 2005, NCO financial contacted me and said they bought the debt from Risk Management Alternatives. They said if I paid 70%, th... Read full review >

A "Legal" way to reinstate your discharged debt

Product/Service: Debt Collection
8/8/2005

I think the late, great philosopher Daisy Moses, aka Granny Clampett, said it best:

“Ain’t there no limit to what these city folks will do for a dollar?” Sadly, it appears that there is not.

This relates to so-called “pre-approved” credit cards that are nothing more than a thinly di... Read full review >

USPS Mail Fraud and Bankruptcy Info

Product/Service: Debt Collection
8/7/2005

First part of this is a repeat of comments posted under another review. Wanted it to be a bit more prominent. Second is info on bankruptcy law and court cases.
================================================
Link below to the online Mail Fraud reporting page at USPS. If most of these letters a... Read full review >

My 15 Nanoseconds of Fame

Product/Service: Debt Collection
8/6/2005 Horsham PA

Never underestimate the power of the people.

As of this posting, my letter to the Mass. Attorney General (posted here on my3cents) is #9 in the top 10 results for a Google search on "Chase Providian" Maybe I should switch to a career in copy writing.

Also found a couple references to Chase an... Read full review >

Send your dispute letters here too.

Product/Service: Debt collection
8/5/2005 Baltimore MD

This probably will apply to most of us who are in the current cesspool of NCO's attempt to collect on discharged or otherwise past SOL accounts.

The letter actually states that it is from "NCO Portfolio Management, an affilliate of NCO Financial Systems"

While I'm sure it's all one big happy... Read full review >

They are in SUCH TROUBLE

Product/Service: Debt collection
8/4/2005 Horsham PA

Did a bit of Google-ing on NCO. Came across another site just chock-full of NCO complaints.

It's www.ripoffreport.com. Their registration is a bit more involved if you want to post a complaint, but just reading what's there is scary.

Several postings point to a pattern of people who have dis... Read full review >

How long do companies hang on to bad debt?

Product/Service: Debt collection
7/31/2005 Horsham, PA

Having spent the last 5 years or so rebuilding my credit rating following a bankruptcy (discharged in 1991), imagine my "surprise" in receiving a letter from the above mentioned company informing me that they had purchased my account and were now looking for payment. The thing that is staggering is... Read full review >

Right.....How Did They Find This Out & Is It Legal?

Product/Service: Debt Collection
3/23/2005 CO

Okay.....Long story short. A few years ago, my wife and I both lost our jobs, on the same day (we worked for the same company that went under with no notice) and could not pay our bills (we have 5 children, are on rent assistance/food stamps etc) and could no longer afford to pay a credit card bill... Read full review >

Debt Collection Practices

Product/Service: Debt Collection
3/1/2005 Houston TX

These people are just unbelievable! They call me at work and harass me and yell at me like a child. They use my credit report as a "paper club". They've called my relatives, who have nothing to do with this debt...calling them by thier full names. Where do they get this info. They don't want pa... Read full review >

please help

Product/Service: debt
2/16/2005

i recieved a phone call from "ron brown" who was from nco. he wanted to collect on a debt from cross country bank. i know about this debt but am unable to pay now beacuse of monetary restraints on my part. i explained this to him. i also explained i had never gotten any paperwork from his compny abo... Read full review >

"Relative" Harassment

Product/Service: Debt Recovery
1/18/2005

My sister-in-law apparently owes someone some money and NCO has been handed over the collection. How they got my name and number is beyond me. They call anywhere between 4 and 5 times a day, leaving very ambiguous messages with an account number and a person to call. I try to expain to them that I d... Read full review >

Phone call harrassment

Product/Service: debt collector
12/1/2004 apache junction AZ

NCO financial started calling me on 11/22 and the phone calls have not stoped and its enough!!! I have received 37 phone calls ( yes thats right 37 phone calls since 11/22) and they wont stop calling. When i called them the first time I verified that I am not the person they were looking for. I didn... Read full review >

Harassment Complaint

Product/Service: Debt Collection Agency
10/30/2004 WA

For the past several weeks, a woman who identifies herself as "Lynn" has been calling my home and leaving this message: "My names is Lynn and it's very important that you call me back today." She proceeds to leave a callback number 800-521-3250. I refused to return any calls because she doesn't iden... Read full review >

Unauthorized use

Product/Service: debt
6/16/2004 Atlanta GA

I set up a payment arrangement for $70.06 a month. They told me that at any time I could call if I had a problem. When I did so they told me that everything was taking care of. That same week they went ahead a tried to take the money out of my account any, causing the check to bounce. When I con... Read full review >

CHOSING TO INCUR A DEBT???????

Product/Service: DEBT COLLECTIONS
4/8/2004 OH

TO ANYONE OUT THERE READING THIS...

ALOT OF THE THING I AM READING ABOUT ON HERE ARE CREDIT CARD DEBTS. MY SITUATION IS DIFFERENT AND I COULD REALLY USE SOME INPUT OR FEEDBACK.LAST YEAR IN JANUARY MY HUBAND WAS LAID OFF FROM HIS JOB.AFTER 30 DAYS THE INSURANCE HE HAD WAS CANCELLED. WITH MY PAY AN... Read full review >

fight back

Product/Service: debt collection
1/14/2004

NCO financial keeps calling even after I talked to them several times and told them that I would not pay as I do not owe anything, which is the truth. They still want me to caall John Barkley at 1-800-709-8625. The calls don't bother me but I decided that I write a letter and fax it to them. I set t... Read full review >

Settle or Fight?

Product/Service: Debt Collection
1/13/2004 San Juan PR

This person called me at home, on 12/18/03 demanding payment that was due since March 2003. The first thing that I explained to him was that I thought that the payment was taken care of a long time ago, and that they had settlers sending letters because the bank that owned the cards had some serious... Read full review >

Unprofessional Practices

Product/Service: Debt Collection
1/12/2004 Fort Collins CO

I first dealt with NCO a few years ago when they tried to collect on a debt I was already paying through my credit counseling service. One bill that I did not turn in for this service caught up with me recently and I found myself again dealing with these people. Since I am trying to rebuild my cred... Read full review >

NCO Collectors

Product/Service: Debt Collection
9/25/2003 PA

NCO's Upper Darby office, at 100 Constitution Avenue, employs collectors with criminal backgrounds--backgrounds which include theft! These people make unauthorized non-work related credit bureau searches to gain other's personal information. Employees have been known to use this information to obtai... Read full review >

Get Over It!!!

Product/Service: debt collector
7/31/2003 AZ

To all People who complain-
Gee-where do I start?! You know-it all starts at the fact that we have jobs to do!!!! Just like everyone who works in this world! So STOP WHINING and GO GET ONE!!!! And when a bill collecter calls you, how about cooperating with them and they won't jump down your throa... Read full review >

Very hostile and rude

Product/Service: debt
7/17/2003 El Paso TX

I have had it! I am trying to deal with a collection agency called NCO Financial for a credit card debt that I have. It appears as if the credit card company has turned my account over to these guys. I didn't even know that NCO was handling my account until one day in late May I recieved a phone ... Read full review >