NCO Financial Systems

They called and confirmed that it was me. He gave an address which was wrong and when I told him to resend it because the address that he gave me was wrong. He told me he already did. On top of that when he gave another address it was still wrong. He then offer a deal that I can make two payments to get it paid off and asked for my account number so that he can take the money out of my account. I verified that I don't have one but I can give a money order that wasn't good enough. Then he started yelling over the phone when I asked to speak to a supervisor. He wouldn't transfer me and had me on hold for a while. I then called back and spoke to someone else to give me a supervisor. The supervisor said that he would check the tape tomorrow while i has been noted in my account that I have been abusing the caller. Come to find out the people that called were from India so I guess on the weekends the main office is closed.

This company has harassed me for months by phone calling me 5 times a day and leaving recordings on my phone on a 10 year old alleged debit that which the statue of limitations has expired and I will sue you if you keep calling me and sending letters!

This company has been harassing me and my family for months about a debt owed by another person. The person they are looking for does not live here. Please help me discontinue calling my home to collect this debt!

We had an account that was paid off by another company when we purchased our new vehicle. The other company sent our account to NCO in error for our last payment and now they are harassing us for this payment even though we have sent them letters from the originator who sent them the account in the first place. They continue to call and have place the bad debt on my husbands credit bureau!. They are very rude and do not want to listen to reason. All they want is the "All Mighty Dollar". I tried to explain the situation to them in a calm manner and they did not want to listen - I believe the "collector" even told me and I quote, "I do not have time to listen to a long winded story, I need to know if you are going to pay this bill or not because I have bigger and better fish to fry". I felt this was very rude and unprofessional. This happened on 10/15/08. So be careful when you talk with this company. They have no compassion what so ever and they will not listen to reason. They will damage your good name and harass you no matter what until they get blood from the ole turnip I guess you could say.

This number has called me 2 times a day for so long! When I answer an unknown unknown it is several minutes of silence. I usually hang up, but today I had had enough. It is NCO financial calling on an account that was written off on my daughter from 1998. I finally made him give me his number and company name, and told him if he called me again I would sue him. If people are going to harass you the least they can do is call from a traceable number. I am shocked that these people would harass you for a ten year old account for less than a hundred dollars. When they call and the ID says unknown-unknown you cannot even tell them they have the wrong number!

I was treated extremely rude by this company with someone through ext 238 and 244 a gentlemen claiming to be the supervisor hung up on me because he told me as far as he was concerned our conversation was over, so when I called him back after he hung up on me he still would not help me with questions that I had with there company, very very unprofessional! How can they treat people like this?

My 85 year old parents are being harassed by phone calls every 15 minutes (even into the night) by NCO. They are getting a recording saying there is a collect call for them. I am reporting this to the FCC and the telephone company. My dad has a heart condition and stayed up all night last night "worrying himself sick" that he did not get a bill that he owes someone something. This is WRONG.

When they call always tell them that you're recording the call. Since they don't want to be caught beaking the rules, they always then hang up.

These people should all be taken out and left on a deserted island. The first thing out of their mouth is the call is recorded. They are rude and make accusations that I purposely broken the law and should be referred to the local police. I couldn't get a word in at all with the lady screaming at me. Finally she said I was uncooperative and she would inform her client and let the law handle it? I still don't know why they are calling me. I have not received any mail or statement of this debt they are trying to collect.

Individuals from your company have been continually calling after I told them this was a federal place of business and to stop calling. Your people will not stop calling I suggest they get better information on the looking individual they wish to contact, not here at our place of business. All personal business belongs at home not at our office.

NCO has been calling me twice a day; I have blocked all anonymous calls, and their numbers one at a time, but they keep calling. The debt they seem to be calling about is way over ten years old. I am afraid to answer the phone if I can't see a number, their calls are giving me nightmares about phone calls.

Called me at work and I informed them of my intent to file bankruptcy. Then they called me at 10:06 pm EST and when I informed the lady she was in violation of the FDCPA she hung up. I called got a supervisor and he was of no help since the collector didn't note the account.

I filed 4 years ago. Been paying on my trailer scence 2002. I finished paying thru my trustee Jan 08. I recieved the title and original paper work post marked and stamped paid. Why are these people harrassing me now for payment when I have the title in my possession?

This company has called several times a day, they have called my family who live in another state. Additionally, they have made claims that I have set up a payment arrangement that extended PAST the origanal 3 month block I had agreed to. When I called to inquire as to the arrangement (if I had not, they would have taken a payment from my checking account UNAUTHORIZED) they claimed that they just make a another 3 month payment schedule sans your authorization. When I asked to hear my authorization ON TAPE - the call was never returned. This company is completely unprofessional.

This company has called me 8 times, and I never picked up because I didnt recognize the number, but when they started calling everyday, I called back and they asked me for my SOCIAL SECURITY NUMBER!! I had my dad talk to them because hes good arguing enough that people don't want to call back. wrong. THey hung up on my dad when he asked for a supervisor, the next day when they called he asked for them to take my name off the list, they put him on hold and never answered him. They kept calling, and again my dad told them he wants my name off the list. They said no problem goodbye. They called the next day and I told them to take my name and number off and stop calling me! I wake up this morning and they have called YET AGAIN. Once I figure out how, I will be reporting them to the FCC

This company calls me everyday like at lease 10 times a day..i keep on telling them i got minutes and told them what time to call me, the lady curses me out, saying buy a new phone or pay my bills and they will stop calling..im so serious ima sue them if they keep on calling me i will do my best to see them out of business, that will be the mission of my life

I have experienced all the same problems the writers above have.

The ONLY way to make this company stop harrassing people is to KEEP THEM ON THE LINE
When the operators decrease the number of calls they make, the company will loose money. MONEY TALKS.

ANSWER THE PHONE
WHEN THEY ASK FOR THE PERSON
SAY "ONE MOMENT PLEASE" AND SET THE PHONE DOWN THEN
WALK AWAY.
Keep their lines tied up, the less lines available, the less times the autodial can access phone lines to make outgoing calls. If they have to add more lines, it costs them more money.
MONEY TALKS
If you have keep your line open, then get their 800 number, and later, when you have some free time, call them, wait until an operatore comes on the phone and don't answer them. When they hang up-call right back and keep their lines tied up this way. It will cost them more money and they'll have to have more operators to answer calls.
MONEY TALKS!
If everyone started doing this, they would go out of business and perhaps the insensitive idiots who decide to work for them will get tired of all the harrassing phone calls made to them!

NCO collections calls me several times a day. I work for the person there trying to contact. I found out information about him that should not have been told to me. Sometimes my employers 4 year old Grandson answers the phone and gets a loud machine noise in his ear. This has happened to me. I was not allowed to talk to a manager or supervisor and I believe it is because they are breaking the law. Mary Leers

they were looking for my partner so I then asked if they were a credit collector. The NCO rep lied and said they were not a collections co. While on the phone i googled them to verify that they were a collections co.and the NCO still lied and denied being one. I told them my partner had passed away and she did not even say that she was sorry for my loss. horrible people.

I am so sick of this company. Some how they are on my credit report so i called them. first of all when I called i hear people in the background talking very loudly and making plans for that night. The person i spoke with was a complete idiot. I asked him to send me the info they have on these accounts i owe them on. he insisted on making a payment arrangment, and i said if i dont have the info i am not making a arrangment. So he said he will mail me the info. A month passed and I i finally got mail from them. But of course it wasn't the info i asked for, it was a agreement. I called up to speak to someone and yet again I hear loud talking and the person didn't even aknowledge me for a minute and i heard a whole conversation she was having. I told her my issue with the first person and how I didn't receive my info. Then I said to her, "It sounds like you guys are having fun over there" she replied we always do, and i said I heard everything, she immediately hung up on me. I am sorry i am not going to give my oney t a company that can't even be professional, and how can I trust them? I even called the companies i owed which were car insurance companies, and they don't know how I went to collections when i cancelled the policies, its weird, yet again these people act like they are out in a club or a bar with what they talk about and how they act. NCO needs to gorw they hell up!!!!!!!!!!!!!!!!!!!!!!!!!!

Write - Call - EMail your SENATOR! Both Fed and State! They are a subcontractor and their contracts with the Fed and State government will be pulled if enough people complain.

NCO is related to DCS, another company with lawsuits against them. Complain also in writing to the State & Fed Atty General.

Finally calling them back and calling back DOES work. Do keep their lines tied up. Don't talk to them ever, don't try to work things out with them. However, you have the right to go back to the original creditor and just send them $5 or $10 a month. So long as you send them a tiny bit a month (this is assuming that you are strapped like me)the original creditor will probably ignor you. Also, if you NEVER EVER send money to NCO, or if you stop any payment to NCO, their contract with who they are collecting for reverts back to the original creditor. Website: fair-debt-collection.com is also a good place to check out your rights.

the people who work at this company are mindless idiots, it has been several months and they keep calling. i act surprised and even told them i was so glad they called,that i was getting worried about them because i haven't heard from them in a couple hours! in the beginning we tried to explain that we have already lost everything due to unemployment and payments were being made according to how much could be afforded, while i was trying to explain the situation to them they repeatedly interrupted me and said that " your problems aren't my problems", never mind that they shouldn't even be talking to me since the account isn't in my name. they continued to interrupt me so i hung up, they called back. this has been going on for about 8 months, and although it was fun in the beginning, when they start in on my sex life and what i do to make it from day to day financially, and otherwise, it ceased to be fun. payments are being made to the original creditor and they are accepting the payments, so nco go away, nobody likes you, don't you have any self respect, this must be the only sense of life you have, otherwise you wouldn't be harrassing and TRYING to intimidate people, who through no fault of their own have fallen into a financial crisis, try accepting what can be and stop threatening for what you can't have!

These people don't stop and it has become just a repeated ring that I ignore but am incredibly irritated with. They somehow have come up with a 15+ year old debt out of nowhere and started harassing me with it - a debt that was disputed and resolved - credited back to me - with AT&T who is now current and paid. Where do these people come up with something like that? I thought it was settled 15 years ago and it starts now? They were told this and to leave me alone but the automated calls never stop.

I forgot to mention that in addition to trying to collect a nonexistent 15-year-old debt, these people call and call and call and NEVER leave voicemail information to call back and NEVER send a letter to respond to.

They cold called me looking for my wifes father. They then refused to even state what their company does or services provided and wanted to know where he was. They said they would remove my number from their list but I feel affronted and feel that since they are trying collect from him maybe they should pay me for my wasted time for their bad research.

NCO keeps calling my number looking for someone else. I have told them repeatedly that the person they are looking for does NOT live at this #... I have had this phone # for more that 3 years and am tired of NCO calling for this person on MY phone. Must I file a Harassment Lawsuit against NCO to get them to quit calling me?

NCO is trying to collect on a debt that is being paid for on time since 10/2007 by CCCS. They are nasty on the phone, refuse to give the corporate number out and they are threatening.

This company has called me EVERY day, at least twice a day for too many months to count. Would be bad enough if it were my debt but they are asking for someone I do not know. It's not so bad when they leave the messages on my answering machine but this morning was the last straw. It is my day off and they began ringing the phone at 8:15. I let it go to vmail. The 2nd time was at 10 AM. I told the gentleman that they had the wrong number and that they need to stop calling. Then about 45 minutes later, they called again and interrupted the tape recording to hold on. I told the woman who got on the line that she had the wrong person at this number. She told me that she would annotate it in the system but the dialing would continue for 24 hours. The 4th time they called this morning, I held and spoke to a man who was not only rude, and ignorant but tried to intimidate me as well. I lost it completely when he asked about MY professionalism. I told him if he didn't like how I spoke to him then don't call my damn house. He was condescending and tried to explain why they were calling yada yada yada and I told him that I didn't care who, what, when, where or why and that they are to stop harassing me over someone else's debt. Do they honestly think they can harass this guy into paying his debt. The fact that he gave the wrong phone number to the NCO client is indicative of his intent to never pay. Either way it is not my fault and not my problem and most importantly not my debt. I asked for his name and then his supervisor. She got on in her condescending tone and told me the first thing I needed to do was to stop yelling. I told her that the first thing she needed to do is take my number out of her system. These people try to intimidate and harass people and it is not right. I will not screen my calls. This is my house and my phone number and they will not make me afraid to answer it especially when they are in the wrong! Something needs to be done about them.

For everyone who is being harrassed regarding a debt that you know nothing about - below is a letter which you can use - always send it certified mail, return receipt and KEEP a file of it in a safe place. I used this in 2006 when Portfolio Recovery Associates LLC, was harrassing me for something from NCO. This is NOT legal advise and you should consult an attorney. However, I have not heard from anyone since, nor did I receive the information I requested:
___________________________
Your name/address-letterhead

Person/Company name DATE
Address Via Certified Mail Return Receipt
City, state, zip
Re: [reference their reference]
Dear [Company/person name]:
I am writing in response to your letter dated __________________, (copy enclosed for your reference) because I do not believe I owe this debt.
This is the first I've heard from you, or any other company on this matter therefore, in accordance with the Fair Debt Collection Practices Act, Section 809(b): Validating Debts:
“(b) If the consumer notifies the debt collector in writing within the thirty-day period described in subsection (a) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. "
I request that you provide me with the following information with 30 days of the date of this letter to you. Your correspondence should be sent to me at the above address, via certified mail return receipt, so that both parties have proof of delivery and receipt:
• (1) the amount of the debt;
• (2) the name of the creditor to whom the debt is owed;
• (3) Provide a verification or copy of any judgment (if applicable);
• (4) Proof that you are licensed to collect debts in the State of ______________
If I do not receive the aforementioned items in the required timeframe, this matter shall be considered erroneous and of no further consequence. However, be advised that I am fully aware of my rights under the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. For instance, I know that:
• because I have disputed this debt in writing within 30 days of receipt of your notice, you must obtain verification of the debt or a copy of the judgment against me and mail these items to me at your expense;
• you cannot add interest or fees except those allowed by the original contract or state law.
• you do not have to respond to this dispute but if you do, any attempt to collect this debt without validating it, violates the FDCPA;
Also be advised that I am keeping very accurate records of all correspondence from you and your company including recording all phone calls and I will not hesitate to report violations of the law to my State Attorney General, the Federal Trade Commission and the Better Business Bureau.
I have disputed this debt; therefore, until validated you know your information concerning this debt is inaccurate. Thus, if you have already reported this debt to any credit-reporting agency (CRA) or Credit Bureau (CB) then, you must immediately inform them of my dispute with this debt. Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act § 1681s-2. Should you pursue a judgment without validating this debt, I will inform the judge and request the case be dismissed based on your failure to comply with the FDCPA.
Furthermore, should I incur a reduction in my credit rating as the result of your erroneous reporting or should I directly incur additional expense, inconvenience, business disruption, character defamation or undue hardship or duress as the result of your actions, I will seek damages.
Finally, if you do not own this debt, I demand that you immediately send a copy of this dispute letter to the original creditor so they are also aware of my dispute with this debt.
[Sign letter]
[Include typed name below signature]

I have gotten rude phone calls at all hours!! The latest phone call that i have recieved was 9:15pm! I was Irate..The company that i owed money to 6 years ago turned my into NCO, i get 2 to 5 calls a day they have even called my place of employment asking for my by first and last name! (NOT ACCETABLE.) I just want the phone calls to stop. My "debt" was a very small amount and over the years it keeps getting BIGGER! I dont understand how they can still be adding shit to it. It is not fair and it should be stopped!!

NCO calls my house constantly saying I own money to some bank or other. I don´t owe anything to anybody, I tell them they have the wrong number, they keep calling. I have a relatively common name and suspect they just got it out of the phone book thinking I am the guy who owns them money. I tell them I´m not and they ignore it. I don´t know what to do.

NCO is under a cease & decist & has not responded to my debt validation letter send certified 03-10-09 - Received a letter from B of A (original creditor) confirming cease & decist- YET NCO called me on my cell @ 7:30AM What can I do about this. Already filed complaint against them with AZ Atty Gen. Office compl # CIC09-05897

Checked my credit report and found out that NCO has placed two negative entries for the same account - Sun Trust. Payed off in January and sent certified letter to them (March) asking to delete one and send a letter stating it was paid. No response regarding letter and no change on credit report as of this date.

I had never encountered such rudeness and ignorance in my life, in dealing with a customer service call center. The first girl I spoke with was demanding I make a payment that I could never afford as I was trying to be honest and could we please rework the payment amount. She proceeded to tell me to calm down and not yell at her???? I hadn't begun. I then demanded a supervisor, she said there was no need because he would tell me the same thing, apparently she understood you don't know your job and I'm not hanging up until you do. He was worthless so I hung up knowing I was going to call back and hopefully get someone else. The next lady never even ask me my name she had my account up ummmmm....she knew that I wasn't a push over by now and she worked out a somewhat reasonable plan within minutes. She gave me a ph# and name to call and complain (he must not have taken his message off yet)haven't hear a word. I bet if I didn't make a payment I would hear from them. Now we have another problem. They have stopped sending me my monthly billing statement with my balance. I am smart enough to know to continue to pay because that is probably their plan so they can collect late fees and harass all over again. I'm using my cashed checks as confirmation they got the payments. Tried the phone #866-287-2543 posted on this site, computer recording told me the number did not take incoming calls. So I guess a call to the BBB and my local congressman is my next step.

For several months now NCO has left recorded messages on my my machine. When I try to call back, I get another recording. There is never any one live to talk to. I guess that goes along with the company. YOU ARE NOT REAL. STOP CALLING!!!

This company is calling my house for the person who had my phone number PRIOR to us having it. I've informed them that they're calling a Transplant patient's life line, and I've told them that several times, along with the fact that the person they're looking for no longer has this number (they probably changed it due to the calls they were getting FROM NCO!).
The continue to call. I would change our number, but when you're on a transplant waiting list, there are literally 100's of people that have this number and I'd have to go through a list and call them all with the new number. It's getting VERY agitating.

This past time they called, I decided to play a different way. They said, I need to speak with "Jane Doe.' I said, Ok. That's it. Okay. They said, "Just to verify, you're name is Jane Doe and the last four of your social security number are 5555?" Yes, they ACTUALLY GAVE ME SOMEONE'S LAST FOUR! They continued to tell me that this was a debt with Sears, the amount of the debt, when it occurred, EVERYTHING about this poor woman.

I've called my local TV station with this information, and first thing Monday, I WILL be calling Sears to let them know what this company is doing.

People, when they call, find out WHAT COMPANY they're calling for and call that company and report their bad habits and mannerisms. They'll start losing clients. Because I bet Sears doesn't want this on the news!!! And neither will other companies.

I am actually shocked that this company had the guts to call my sister's mother in-law. Which this lady has nothing to do with me and she is from a different state.

I just got a phone call from these people. The guy said I had a few debts that he needed to collect on. This would be scary for someone who doesn't know any better... He tried to collect on debt that he KNEW had been paid. When I challenged him on it he said "oh, yes, I see here that you did pay this". In the end, there was one that he wouldn't back off from. It was paid almost a decade ago. He said I needed to provide proof. My house was broken into a few years ago and all records stolen. So, obviously, I don't have any proof. I went on a little rant and told him he needed to provide ME proof that I do owe the debt and the process used to verify that there has never been any payment. He said he will. We'll see...
The scary part about this is that he would have taken payment for every debt line he had in front of him if I hadn't challenged him.
My credit record has been clean for years now and I have a good rating. I was able to buy a house and was happy to never recieve any collection calls again. This call infuriates me. I will fight them with all the legal rights I have. I would love to see crooked companies like this go under. There are plenty of people out there that actually HAVE bad debt. Go after THEM! Stay away from those of us that actually pay their bills!!

I sent a check to NCO to pay for a bill, on the check we wrote paid in full. They received my check on March 5 and on MAY 4. I called them because they had not cashed my check, after being hung up on 2 times a lady finally told me because my check said paid in full, and not settlement, my check was not accepted. So,my check was just sitting in their office for 2 months. I finally asked for a manager, and a very, very rude man got on the phone and was screaming and cussing at me, then hung up on me. These people need to be shut down, I dont know how they expect people to give them money being treated like animals.

I am on vacation with the family in Disney World and my teen gets a call from NCO on her cell phone asking for me. They say they are a collection agency and want $1,293.32 for a Bank of America bill.

When I got home, I called the Bank and asked what this was about? I checked my accounts I do hold with them. They had records of investments, a CD, a credit card, and even another small account with about $400 that my grandmother willed to me and I completely forgot about.

The bank tells me they don't have any affiliation with NCO and they don't have any account's with that dollar amount under my social, name, address, etc.

The bank will not pursue them for fraud which I find suspicious.

I also get a letter that was forwarded from an old address by the post office also looking for this money on an account I never opened and have no knowledge of.

Considering what I am seeing here, I am not getting involved - I am writing a letter of dispute reporting the incident to the Comptroller of Currency and my Attorney General.

these people are so rude. I recently received a bill from NCo for a medical bill in the amount of $39.49. I was told to forward this amount to their company for the medical bill. I immediately forwarded a check in the amount requested for the medical bill. Instead of posting the exact amount for the medical bill, NCO instead posted the amount to an old phone bill that was at least ten years old and the statue of limitation was out on. They are now still trying to collect on the newer bill. I have forwarded copies of the cancel check showing along with the medical bill showing the exact amount of the bill and that when the call was made to pay this medical bill I agreed on the date to forward the money for the medical bill, not no phone bill. They are now trying to collect the medical bill.

Unbelivable rude and harassing. Spoke with KEVIN....he should be fired. They had my address incorrectly. when I tried to tell him I hadnt gotten anything he screamed at me, threatned me and would not stop flapping his mouth off at me. When I asked to talk to someone else he said nope Im done with you...Im putting you for refusal to pay. He refused to give me his name, ID number or even a phone number to call back.

To whom it may concern, I wish to inform you that i have recieved several harassing phone calls, i returned the call finally to a person named Dave at 716-404-2356, i had informed him that i have filed the account with a debt cosolidation company , gave Dave the company information, Dave informed me that the company that i have corresponded with was STUPID, and will not resolve my issues, Dave is VERY RUDE, HARASSING, i had also told him that the number of xxx-xxx-xxxx was not a correct number and to please remove from account, has yet to be completed. after several lengthy conversations and Dave screaming at me has stated will place my account refusal to pay and hung up

If they call say "This call is being recorded on my phone as well" when they say they dont like being recorded simply say, "Then transfer me to someone who doesnt mind it then" and when he or she refuses say, " Then dont call me anymore until you become a better professional" and they will hang up. they dont want to get caught bending the law, so do this and they will hang up. It worked for me like 10 mintues ago when they called this morning. I dont have any idea what they want, i dont owe any money right now. my credit scor is 695.

I receive 3 calls a day from a prerecorded message to call back for a mr. parker, when I call for him the associate on the line tells me he is busy and then they proceed to ramble off my information faster than i can understand. when i tried to work out an agreement they refuse to send a bill and tell me I need to hand write a letter to mail out with the enitre payment(whole 93$). after being hung up on by their first associate I called back start to talk with someone who speaks understandable and before I can finish what I am trying to tell and ask them she interupts me and tells me I am not giving her the chance to speak. which is followed up by another hang up. I would hope that they would try to make it easier for them to get these debts collected, and speak clearly and slowly enough to even understand them

I have been recieving calls from NCO about an account that I could not possibly have. It was suppose to be originated in 1986, which at that time I was on active duty in Germany. When I told them I considered it identy theft, The agent went ballistic. I also gave him the name of whom I suppected to be the culprit, where they lived and how I know it was identy theft. The agent hung up, then within three days I got a very nasty letter from NCO to the effect that I am a liar and that action may be taken against me. I called them back and told them to bring it on because I was loaded for bear and that I was ready for a fight. That was two months ago and I have heard nothing else from them.

I cannot believe that so many people are getting the same type of calls. I just started getting calls at work for a bill that I do not owe on from 1998. 1998! Where do they come up with these charges? They supposedly send me a letter that I never received. They call my work 3 and 4 times a day. I have told them that this is not my charge and they won't listen. Why in the last 11 years have I never received a bill for this charge? Why in the last 11 years has it never been on my credit report? How can this company legally do this?

Nco was on my credit report for 5 years. They acquired a debt 1.5 yrs after it went into default. I never once heard anything from nco the whole time they had it. 6 months after it fell off my credit report, I was served a lawsuit for the debt. They never once tried to cellect it, this was the only attempt. I fought it becuase the statute of limitations in my state had expired on the debt. Nco actually backed out of the lawsuit but I had to spend a lot of money on a lawyer to fight it.

I keep getting this payment due letter for Direct TV. It is addressed to Melvin Johnson. My name is Johansen. I am sick and tired of this, as I have called Direct and they have me listed as not owing one dime.

I received a letter for a bill from 1 & 1 Internet and I have received no services nor do I have any on-going contract. Is it legal for a collection agency, NCO, to send out collection notices when no services or products have been rendered? 1 & 1 INternet obtains their fee for service up-front prior to providing any services. This is simply crazy! 1 & 1 Internet could no longer collect since I had closed my credit card. Seems simple to me--no money, no service. NCO should have never sent me any type of notification. I should have simply received a letter from 1 & 1 Internet stating that services had been stopped since they had not received any payment. Unreal.

This company is an absolute nightmare. They call my place of employment at least 8 times per day using different numbers. I will not answer the telephone. This is very disruptive and I don't know who to contact about these people. Yes, I do owe the debt but cannot pay it right now. This excessive calling is not going to resolve anything. Their debt collection practices need to be changed.