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.

This poor excuse of a company has called me more than once looking for another individual with the last name. Even though the the number is listed under a different name and no where in the same vicinity. Now they have called on July 4th of all days at 9am. They have been warned to never call back again.

I am 21 years old and had my car repoed. It was a voluntary surrender, I was married when I bought the car, and due to a seperation and my spouses refusal to pay child support let alone debt. I was honest and upfront, but do not have a means to take care of this right now as my priorities lie with my daughter. The representative has called my house and been extremely rude calling me childish and when i try to talk to them and explain the situation he said "your name is on the car not your spouse so whats it matter that you are seperated." was extremely rude and demeaning. Calls my house everyday with no fail. I live with parents and an aunt uncle and cousin for the time being and he harasses them as well. My young cousin answered the phone and when my aunt got on the line he was rude and at first didnt believe she wasnt me and then asked "what are you watching the kids who was that boy who answered." Very rude and very unprofessional. I am very upset about the way that this representative speaks to me and my family.

I have been recieving calls from NCO now for about 2 weeks for someone I have no clue who they are talking about I have told them in our area there are different numbers for the first 3 and to try another they call at least 5 times a day. They have called me a liar and that they know I am her and I am not. I have given them my name and now after reading this have decided I will record antmore conversation and call my lawyer and ask what to do about this. They are rude and inconsiderate and very very unproffessional. This morning I flipped as I hung the lady was still yelling into the phone very good for them HA

I owe no one anything and yet this company has called several times a day for a year. The FCC should investigate and shut them down. They are obviously a fraudulent organization.

I have been recieving calls from this group for about a month now. They give a name they are looking for, but this is not me nor is t anyone in my home. I have told them this and yet they persist. They said the person gave me as a refrence, but that is not true. I cant even give them a phone number for this person. I have threatened to call about harrassment charges but this goes nowhere with them. How do you get some one like this to cease and desist? They are not even willing to listen to you. I am not that person...

Called my bank to confirm my payment plan. Surprisingly, NCO answered. After discovering who I was talking with, the nice man on the other line was trying to work something out to maintain my payment plans. He put me on hold and then MR. RUGGIO got on the line. He was rude, direct and a total jerk. He began to ask me personal questions like where do I get the money from if I am not employed.. and then he began to insult me by telling me that when I first had the available credit I was not complaining.. that I was enjoying it. It went on and on and on. He then stated that he was the only one I had to deal with whether I liked it or not. I ended the conversation refusing to hear any more abuse from this man. Mr. Ruggio is his name. They should reconsider who they hire to collect there money. Bad language and rudeness will not get them anywhere!

8:33 am the 1st call which I answered due to being my day off. Spoke to someone who continued overtalk me about a recalled debt which NCO was handling, when I tried to explain. Threaten me with wage garnishment and legal. Turned into you did not and I did back and forth match. When I told the person that I found them to be very rude and put their supervisor on, they said "I'll let you speak to my Supervisor because I don't want to talk to you either." Never said hold on, so I hung up. A supervisor calls, in a more relaxed tone and you could hear more shouting in the background. Asked could my children pay my debt and never ask what arrangements I could make. Only wanted to know was I working and was my husband receiving disability. Mentioned my mortgage company and how I was paying them. I told them that I want to pay my debts and could not at this time. I worked with the debtor and was able to clear one of the debts previously. I ask could I deal directly with debtor and he said they would handle me the same way and Good Luck. 5 mins after this call another call comes in from NCO financial on a fax number asking for my child. I asked how they got that number and was told that it was given to them. I explained this number is never given due to know one knowing it except for incoming/outgoing faxes. Rudness by this Company in such cucial times truly can send a person over the edge. Do not be drawn in....I thought these tactics stopped a long time ago.

called this a.m. at 8:45. saw their name and number on caller ID -- by the time I picked up (after 3 or 4 rings) no one seemed to be there so I finally hung up. all these agencies want someone with same last name but different first name and when I say 'not here' they hang up at once but sometimes another idiot rep calls back later. round and round we go -----

i simply picked up the phone after their harassing calls and gave them my attorney contact info, they called him then then called me. I got a notarized letter from attorney concerning the contact than filed a 1000 dollar suit against them in small claims for violation of federal law and won. This company will harass you and ignore the system. Do what I did, send them to a lawyer then when they call you after that bring contact info from attorney and phone bill, recording of message to court easy money and they stop/

08/19/2009 10am

I called NCO to simply setup a payment arrangement and spoke with a Tim...i dont remember his last name but he was in charge of sprint collection accounts! He Immediatly spoke over me when i asked about setting up post dated checks for the following month and stated "if you do not make a payment now ill mark you as a refusal to pay and will not agree to any future payments" I stated i am willing to pay as long as i can set up payments using post dated checks!! He then said " have a nice day" then hung up. I called back confused and aggrevated and asked for Tim... i was then hung up on a second time. After waiting an hour i called back asked for Tim and finaly got him on the line after waiting 30min on hold. I asked for his manager so i could resolve this matter with someone else who would be willing to make a payment arrangement with me. Tim stated "my manager is to buisy to take phone calls if you have any issues thats what im here for" After only asking for his manager the entire 30min phone call i got hung up on a third time! So i called once again but instead of asking for Tim i asked for his manager Troy Trotter. I got connected immediatly to him and and spoke with him about the matter at hand. After explaining what happend and my attemp to pay this debt with a payment arrange he explained "i cannot setup any payment arrangements unless you pay something today and i cannot speak for what will happen to your account if you call later" After that i stated that i would call back and make payment arrangments when i had money at hand since i was unable to make a payment method of post dated checks using my active checking account! Why is it so hard to get a debt resolved even when you call and your willing to make an arrangement? It seems NCO is taking this debt collection way outta line and should at least be flexable with people calling and willing to resolve there debt!!

The collection agent who called me was very rude, like the many agents who called me from NCO. I had a $200 credit card go into collections with NCO and I wanted to work with them. The rude woman switched me to another woman who was supposed to help work with me. Amber Ayree is her real name in which I spoke with and Amber had told me that I needed to give her my SS# to open my account to work with me. I gave it to her and then she called me a bad mother for having a debt in collections and that other people can do better than me. I was trying to explain to her that I had been a stay at home mom going to college and that I had no income. She refused to listen and talked down to me by yelling and being abusive. I than started receiving mail from accounts opened that weren\'t mine and had been dealing with this for over a year. Charges are against her now, but she still needs to be arrested. Never give out your personal information. They have your name and address in their computers which is good enough!

they need to stop calling my two phone lines like 8 times a day each! My husband and I are in the process of retaining an attorney. Why don't they call once and leave a message?

This company transfer our account to another collection agency. We paid the debt off through the other agency. When looked at our credit report NCO didn't deleted it from our credit report when they transfer the account back in 2007 and now it is 2009. We ask them to send us a letter to show that the account was transfer, closed and paid off they wouldn't do send us the letter. So I had to filed a complaint to Attorney General in PA. So we will see what happen. They supose to act as a private attorney on your behalf. If don't work a lawyer will be the next step.

I received a recorded message to call NCO re: a debt collection, and it turned out they were looking for someone else (they had the wrong phone no., and I have perfect credit). When I called them, the representative was EXTREMELY RUDE and eventually hung up on me. I hope she had a miserable day.

Have received calls from them through my employer's phone. I informed them on the initial call that I'm not allowed to receive calls on this number. He continues to taunt and intiminate. He also resorted to name calling and personal attack about my character without knowing any details of my case. Futhermore, I don't know the case, as he is yet to tell me who he is collecting. He is boisterous and blantant about saying he'll call back, regardless.

They call my house every day asking for someone who doesnt even live here. 10 times we have told them to take us off the list. they keep calling.

I have had 8 call in the last two days. I have no idea for what they are call me. They do not leave any message. From what I have read they are a collection for Capital One. I have paid all my Capital One account off and owe them nothing. I get a statement from each month and it shcow I owe nothing.

have a bill from NCO in the amount of 467.00 that is apparently from my old insurance company. I have not paid it yet because i don't think NCO is legitimate. they called me 2-3 times a day starting at 8am until sometimes after 9pm even sundays. it got so bad i had to change my phone number. the first time i talked with them they gave me their line about their intentions to collect a debt blah blah blah....i let het talk and then i asked her which company it was from and she told me, i told her i would contact that company and clear up the discrepancy, she told me i had 2 weeks to pay the bill or it would go on my credit report. i didn't pay the bill and they sent me another bill and another one a month later. they would leave these messages about the bill being long over due & I had to call them with my account information. It got so bad that when I saw their number I would turn my phone off. I finally had to change my phone number because they wouldn't stop calling. The final straw is when they called me on a sunday at 930 at night

I work in a place of business that records all incoming and outgoing calls. I am not allowed to receive personal phone calls. I have been called several times at work and hang up quickly. If I lose my job over this, I'll own NCO Financial.

I get a phone call every 10,15, 20 minutes from these people. never leave a message. I had all I could stand in a two day peroid so, one day I answered an a young girl was on the line and I called her some names I never use. I HAD ENOUGH.
I am not sorry. I was able to make my payments till I lost my job. Now, I am just barley making ends meet. I did not cause this recession in America, but I am getting the brunt of it. Why don\'t we have a group who can help those who are having a hard time? It\'s not that I am running out on them. They are also the cause of my default. These companies are driving people insane. I am 60 and being treated worse than a child. Can anyone help? I don\'t know what to do.

i was burnt by GHS solutions for a citibank account settled for about 60% but it cost me a lot now i need help for a capital one account

thanks

nco contacted me about a student loan made someware in 1987. i told them that i hade made no such loan. thay wanted proof of who i was so i sent it. i received numerous phone calls trying to collect and calling me a deadbeat. i have been cussed at and threatened. my wife recived a call from nco and she told them that i was not that. she was told to have that deadbeat of a husband call when he got back. i have tried to resolve this issue to no end. it has ruined my credit and caused a lot of greif. i dont know how to get this settled but i am not going to pay for a student loan that i didnt get.

They contact my cell phone multiple times a day, leave messages that they are calling regarding a debt which violates my privacy according to FDCPA. I used to do collections for US Bank and Ford and we were constantly instructed NOT to leave these kinds of messges for this reason cause you don't know whose on the other end of an answering machine listening and it may not be the person you are trying to reach. I just program all their phone #'s in my phone and ignore the calls.

I too have had all these problems with them I suggest just going to the original debtor and trying to negotiate with them. I don't know how to stop the calls its really a sort of traumatic experience being afraid to answer your home phone. Its really quite sad.

This company doesn't even listen to Lawyers. I get call after call from these people. I have told them that the Items they are calling me about should have been turned into Workman's Comp. I gave them all the Info for comp and they are still calling me. I have told them time and time again that it is Comp and they just don't get it. I told them if they didn't like it they should call my lawyer but they still call. I have stopped answering my phone when they call. They have all the info that I have to give. It is not my fault if they can't take care of it on their end. If they keep it up it will be them that pay these bills that shouldn't have been turned to them from get go.

NCO has regenerated an attempt to collect a debt from 1995, long after statute of limitations expired. Not only did then send me a notice for one amount, they set me a second notice within the 30-day dispute period and increased the amount of the debt. Both the attempt to collect, and the recontacting within the dispute period is illegal.

Garry, I know exactly how you feel. I am in the same situation, even though I'm 26 and it is just awful and inhumane how these companies can go. I too have lost a job about 2 years ago and i did borrow a payday loan. However, I was able to afford to pay it back. But then I lost my job before I could pay them. And now I am just getting back on my feet to make ends meet and now i just heard from them talking about there going to press charges against me for not paying even though I am making every effort I can to pay them back. Sad! For your situation, what I would do is, which, I'm doing now, is just to send them something preferably by money order until the debt is paid off without ever speaking to them again! You can also record and report your conversation to the attorney general or just report the company to the Better Business Bureau. Good luck to you and may God help us through these hard times.

I am on the phone now trying to payoff the amount owed. The problem is, no one knows who I should be speaking with. I am being constantly bounced around. Customer serveice is of course horrible. Everyone has an attitude. The hell with it, I will eventually get there, I won't allow these dudes to sour my attitude - ill get there.

This company has harassed me for weeks by phone starting at 9:00 am about a debt owed by another person. That person they are looking for does not live here. Please help me discontinue calling my home to collect this debt.

Annoying calls 09-23-09

these stupid suckers have been giving out my toll free number for my SIGN BUSINESS on and off for several years. Gee, ya think they have troubles collecting those debts?!!

This company constantly harasses people they do not by calling repeatedly and asking for a different person each time. They refuse to permanently take your telephone number out of their system even when you request them to do so. I have told them repeatedly that the person they are calling for does not exist at my telephone number. I have had the same telephone number for well over 20 years. An example of their harassment is as follows: NCO Financial called on 9/22/2009 at 6:25 PM requesting that a Cynthial Nelson call them back at Ext 4707; then called on 9/25/2009 at 8:21 AM requesting that a Sheniqua Nelson call them back at Ext 4527. NCO Financial employees are rude and obnoxious! They do not actually check the telephone numbers they call with the actually owner of that telephone number! They are very sloppy in their work and they like to harass people that they do not know! Someone and/or Governmental Agency needs to issue a CEASE AND DESIST ORDER AGAINST THIS COMPANY!

this company has continually called 9-10 times throught the day, sometimes back to back when you don't answer. I attempted to settle with them siimply because I was sick of being harassed by them, I dim wittedly gave info that I should not have in ref. to payment arrangement, but when I was transferred the arrangemnts changed to options that I would not have agreed to from the outset had I known them then. Upon cancelling the arrangement the manager became indignant and extremely rude. I have filed a complaint against them.

To file a complaint against, go to www.ftc.gov and file away. I just did and listed the almost 90 calls from my phone records. After the first 2 I told them I am not who they want and the person does not live here and I told them to CEASE AND DESIST, Cease and Desist Order . Now that I have filed, lets see if it gets their attention. Next step is a small claims suit claiming interstate harrassment which is a violation of the federal telecommunications act. And you file that complaint at: http://www.fcc.gov/cgb/consumers.html

NCO has been calling me up to 8 times a day for someone elses debt for the last 4 months. I have told them that I am not the person that they are seeking and to stop the calls. They do not stop so now I am logging all the calls and I am working with an attorney to file harassment charges on them. I now have to retrieve all my messages and then go into my phone and block them. So far I have a whopping 22 numbers from NCO alone! They are rude and even when I tell them it's not me they still are very rude.

Even though they have been informed that the person they are looking for does not live at this number they keep calling several times a day from multiple numbers. How do I stop the harrassment?

I am alarmed by what I am reading on this site! I do not have any outstanding/delinquent debt and all my bills are paid current. I have ALWAYS paid all of my bills, so nobody should be calling me to say they are 'attempting to collect.' Pretty freakin' suspicious!!!

This company was calling me three or four times a day, at all hours. If I answered, either there was no one on the line or else they asked for someone I'd never heard of. Finally, I got sick of the calls waking my baby and I called them myself (they call from a different number every time, by the way - I think they are just individuals working from their home phones) and told them to stop calling because I was not the person they were looking for. They said they will take me off the list, but we'll see.

I have been harassed by NCO due to a debt owed by my daughter whom is an adult and does live with me. Have asked them to cease but they continue to call and harasse me.This has been going on for months now.Informed them I hacve nothing to do with them (NCO) but theyn continue tom call.

E Brown

I recently started getting phone calls from this company. It's a recorded message not stating who it's for just a call back number. This old credit card was paid off earlier this year and they are now calling me ten months affter the fact. I have tried calling them many times but no one answers the phone. This is keeping me from getting a car loan.

Have been making payments to Cap One/NCO. NCO calls multiple times a day - often without anyone on the line or hanging up when we answer. When they do answer they are rude and unprofessional.

NCO financial is disturbing me by calling my home phone. I didn't give any right to any one to call me for nothing. Please be sure about the identity of the person before calling. If you can not do it, you have no right to do the financial collection business. If any further call comes, I will have to take shelter of the judicial department.

I have excellent credit. Have had for over 10 yrs or more. I have just started getting harassing phone calls from NCO financial they leave a message each time that they are collecting on a debt. I have bills but none in error or in the rears as I said I have excellent credit. Now 10 to 15 years ago I didn't. I think they are trying to collect on bills that I had to claim bankruptcy clear back 15 years ago or longer when I divorced my ex and he left me w/all the bills and no car but our babies....jerk! What do I do to get rid of them????!!!

These jerks are calling me every day!!! And they leave a message, which I believe is in violation of the Fair Debt Collection Practices Act (FDCPA) - Their message states that I need to call Miss Rose at NCO Financial, that it is not a sales or soliciation call and is an attempt to collect a debt and any information obtained wil be used to collect their debt. They even leave messages with my 16 year old son and tell him that they are debt collectors and have him scared! I hate these jerks with a passion and because of their actions, I don't want to have anything to do with them, let alone PAY THEM. They can rot in hell for all I care. I don't have credit because of a messy divorce and child support orders which devastated me, financially, but none of them care - they just want their money. They don't care if I have to live off of Ramen Noodles - well, guess what? You can only garnish for up to 25% of your disposable income. Rot in Hell NCO Financial and all you other rotten debt collectors. Bite me.

this company used fraud to collect what they callled a debt from at&t. they could not provide me with a detailed list of the bill that was turned into collections. what a scam. BEWARE !!!!!!!!

This company if it's even legit has a bunch of idiots working for them. They called my cell phone looking for my brother ..and wanted me to give them his phone number...my answer to that is if you found my number you sure as hell can find his ,his is listed and my CELL phone is not .So stop wasting my minuets and stop harassing me .

I love when the tables turn on these people. They think they have the right to speak to you in any tone they wish. WRONG. My favorite people to speak to on the phone are Roxanne and Manager Melony. Two complete idiots. I love how they think they know your life story, I wonder what bills they havent paid yet. Its people like them, that make peoples lives as stressful as they are. I guess we can just laugh at them, their job has to be the worst out.

NCO CAN GO TO HELL, DONT WORRY ABOUT WHEN MY DEBT WILL BE PAID, WORRY ABOUT GETTING A BETTER JOB.

I started receiving calls from NCO about 2 years ago concerning a debt by a person named Donald Roberts. They were looking for a Donald "E" Roberts. I am not him. Have never heard of him . I have been harassed ever since. Caller at one time gave me the last 4 digits of this Donald "E" SS#. and DOB, of course neither even close to mine. Still getting 5 calls a day, from various parts of the country. I have hired an attorney and am seeking damages. there is not enough space to try to explain the feeling I have suffered due to these phone calls, and the mental anguish my wife has suffered due to this harassment.

these guys never do what ever they promise regarding a settlement!!!
how any human being can be a member of such organization?
aren't those guys just little bit ashamed of the bread that you are earning?
i would rather be hungry!!!

Understand one thing, NCO is a "Debt Collecting Boiler Room". They use intimidation and abrasive techniques to prod you into a frinzy. I have been getting calls from NCO over an account that has been satisfied for more than 5 years. They will attempt to chump you into anything ... do like I do, tell them to never call you again and if they do....turn everything over to your lawyer. THEY ARE NEVER TO CALL YOU MORE THAN ONE TIME A DAY, AND NO MORE THAN 2 TIMES A WEEK!!
THIS IS A BOILER ROOM OF JERKS THAT WORK OFF COMMISSION SO DON'T LET THEM BLUFF YOU. TELL TO GO ---- THEMSELVES.

i am sending this email to the supervisor or the ceo of the company i mail in a payment of $64.00 this month since i was $20.00 short this month here is the money order number H4011163 oct 03 2009 so i would like this matter taken care of and yes i know i will be getting stimtules check in the mail dont they all get it as i wont be able to get my medcine i had hard time last time they took my stimtiles check i couldnt get my medcine i am under doctor care so i think they should return the other one back to me i make my payments on time

They called and told me that my educational institution had send my account to them, I gave them my account info to pay the debt this was a week ago next thing you know they call and told my husband claiming that I had not funds in my account and that I need it to call in the next 5 minutes or my account was going to be charge aditional fees. I called in 7 minutes and their office was close.

I had been doing business with
A company in FLA. On a 6 week pay out while I was doing work for them they cancelled 6 weeks of checks plus 5 weeks of work for the next pay. They cancelled all checks and they filed chapter 11. This job required 150 miles a day and to pay my Employees every week. So I had to file chapter 13. I thought that I could pull my life back and I did not put AMX on this filing but when I tried to make payments with AMX they turned it over to An attorney, so I made a payment plan with them,I paid them, and now I get a letter from NCO finance with the AMX letterhead. One address is in Texas and the other is Fla. so I checked out this site and found out that they are A-holes so I am not going to pay them, they will have take me to small claims court.

These people have been calling me for a debt for another person for 3 months.

I fianally answered the phone and told them I didn't know the person they wanted.

To no avail, they kept calling me, ( 3 time a day)

I told them I will turn them over to the Attony Gneral of Ct for HARRASSMENT.

I will if they call me back.

This outfit is a scumbag.

We got a letter from NCO Financial System INC regarding some debt we don't own. The letter indicated that the purchase was #332.73, and the interests were $27.50 at 9%. NOC is offering a 30% lump sum payment of $228.97. Watch out for NCO scams!

How bout all deadbeats just pay their bills?? Allow the chance that there is something you have overlooked or arent aware of. But most of you dont really want to listen or remain on the line on the "off-chance" that you DO owe it!! Isnt that more like the truth??? And if the person doesnt live there just so say ---and GET OVER IT!!

A notice was received on 10/28/2009 from NCO Financial Systems Inc. stating that I owed them $303.97 to settle a debt with Nationwide Insurance Co. My insurance policy has recently lapsed, but was reinstated. I called NCO Financial Systems Inc. to find out why I was receiving a notice from them.

The collection agent that I first spoke with Dawn Jensing told me that the notice was to collect a debt and that the call would be monitored. I did not understand why I was paying the company (NCO Financial Systems Inc)if my policy was now current. She told me that if I did not pay that my name would be reported to the credit bureau. I told her that I would call Nationwide to make sure I owed the debt and that I would pay them. She was upset that I would not make the payment to NCO Financial Systems Inc. and blatantly called me 'ignorant' and hung up the phone.

A professional company should not tolerate this kind of behavior. I called the company back to get information on which I had just spoke (Dawn Jensing) with and a supervisor (Helder Ferrero) to consult.

I called Mr. Helder Ferrero on October 29, 2009 because he was not in at the time I spoke with Dawn Jensing. Mr. Ferrero was attitude was not very different from his employee. His main concern was that I pay the debt and was not interested in the business etiquette of his employee.

This company is the WORST - I have only answered the phone twice - BECAUSE they call me at 5 and 6 in the morning on my cell phone!!!!! I am being harassed!! They are calling me for something that is is the middle of a court decision now - and this matter does not concern them. This is the most unprofessional company that has ever called - they swear on the phone and start yelling as soon as you give them your name.

nco cals my business at least 3 times a day and 2 and 3 times on sunday. i am a subcontractor for another company and i do have to work. had to have my phone number changed because of their harassment along with someone else and it is a private number. they still keep calling

I've read these comments and agree with some and some I don't. I don't believe someone starts to curse at you as soon as you answer. Yes some collectors don't have sympathy for what is going on in the customer's person live but there are some that do. What everyone has to understand is that they are simply doing there job to make ends meet just like you are and probably have creditors calling them too. What makes the job hard is when the account holders of the debt get on the phone and begin to yell and scream because they receive collection calls. To eliminate that do what responsible people do...PAY YOUR BILLS ON TIME...Don't enter into an agreement that you know for a fact you won't be able to afford if something bad happens down the line...How would you feel if you went to the your doctor and they told you every time you called for an appointment to stop getting hurt or stop getting sick when that is there job to help you to get better...You would feel like that is your job to do so why are you getting mad because you have patients calling you everyday for appointments. All these negative remarks people make and don't think of how they may treat people on a regular basis. Collectors have a job just like you do. They should be treated with respect just as much as the customer. There are some compassionate, empathetic collectors that take into consideration your problems and try to help but still get cursed out by ignorant people because they know that there bill hasn't been paid but just want to feel like they have power over collectors because that is how they make their ends meet. In all reality, the debtor is not much better than the creditor because without your debt, their would be no collection calls. So take that into consideration next time you get mad about a collection call. The collector was the originator of the debt, the person on the other side of the phone acknowledging that they have the debt is and need to take responsibility for their negligent actions by PAYING THEIR BILLS..and stop making the collector seem like the reason you are delinquent.

NCO is a "vulture collection circus" copamy. I am aware of this due to the fact that I once applied for an employment positon with them, prior to understanding their unscroupulous mannerisms. Shortly after the interview with them, I was contacted for a bill that had been paid to AT&T prior by means of bank transfer. I personally had another disturbing call today misrepresenting past due payables to a card company. This occured due to the fact that I personally closed a credit card account with a bank due to the company indicating they were wer raise rates due to economical conditions from 5.99% to a 14.99%. As I was a "prefered customer" they also advised that I could opt to cancel the card and finish paying at the lower rate. When the card company reported the account was closed to the credit bureaus evidently NCO felt it was a collect account due to either past due or non payment. This was indicated by NCO upon contacting me on the phone (a non-solicitate cell phone at that). I would advise anyone that if a situation like this may occur, and you owe a bill, whether past due or not, avoid letting them talk you into sending them funds. Collection companies do retain up to 30% of the payables and forward the balance to the debt company. Only pay the company you were doing business with directly. If you do send collection companies a check and they keep a portion of those funds it will show-up on your credit as a balance due anyhow. DO NOT PAY ANYONE OTHER THAN THE COMPANY THAT YOUR DEBT MAY BE WITH. If you continue to be harrased or false informaton is reported to the credit bureas, contact the FTC and report that company, as they are not adhering to The Fair Trade Act. It is time that these companies were placed under a government control.

These clowns keep calling my phone asking for a person who is completely unknown to me. They assured me that they remove my phone number from the account, but they lie.

I always wondered where people go for jobs after they are fired from Burger King. Now I know.

My credit score is 780, just purchased a business. NCO calls me about 5 times in a row/twice a year. I keep explainng that they got my first and last name, but SS and DOB does not match at all!
I really do not care beacuase I am not in any trouble and it is funny to hear their threats. Go ahead! Report! It is not me any way. Do whatever you want. They get mad to hear this, because they want money. I am use to it by now and play with them all kind of jokes, they still looking for that person with my name but 20 years younger.
Good luck with that miserable kind of job! LOL!

Called me today and was looking for someone with my phone number from over 2 years ago. They said it was an AT&T problem as AT&T doesn't have uopdated records. I told her that was strange as I had been paying AT&T for over 2 years. The rep said "I just work here" I suggested she do a GOOGLE search on NCO Financial to see what a crappy place she works, all the pending lawsuits, and suggest she get another job

I just spoke to an idiot named Ryan who has some moronic idea that screaming at me is going to make me grab my checkbook and pay this debt, problem with that is there is no money so he wanted to know how i could make a car payment with some company that i never heard of and not pay this debt. I told him i did not make car payments to this company but as i said he is an idiot. These people use these tactics to 1). Get you angry enough to say something they can use to collect the debt. 2)and they think that brow beating you , family, friends will make you pay. i don't answer any call i do not know and my family could care less if they get called so my support system is good in that regard. The bottom line is this, just don't let them bother you, that is their goal they love doing this and you can beleive that a good half of these idiots who call you also have debt they have not paid for. And they do go through the phone book and they do find same names assuming you "are the one". I love the credit card companies who go after us for what we owe my question to them is this, why is credit given to those who are not citizens of the U.S? and when these people have moved back to their own countries owing on these debts how do you recover that money.... as i thought , you don't. Most americans do not know the millions in credit card debt that is owed by illegals, geez i wonder who gets stuck covering these costs??? yep folks its us so do i feel bad i lost my job and cannot pay as i had... well to be honest at first i was but knowing what i know now....nope! i have lived and paid for a long time now that i need a break its too bad well thats what i say to these companies TOO BAD. And because the job market just isnt there i am filing bankruptcy so no worries.

Just looked at a copy of my monthly updated credit report and noticed 2 NCO Deliquent Accounts. One from 9/1/2004 (5years ago) and one for 8/1/09 (1 month ago). I have no idea what either of these are for and cannot find a descent phone number for NCO. And now it looks like I will have quite a battle getting this off of my credit report!

All of you should call ftc on nco group they can be shut down for collecting on old debts, its illegal.

We paid last Sept and it is still showing on our credit! We have a receipt and they keep saying it is removed and that there is nothing they can do!!!!!!

Instead of paying NCO or any other collection agency,I have found it easier to just pay the original creditor a little bit each month. Pay it online or send them a cashiers check.They will accept it.No company ever turned down money. If the collection company continues to call you, send them a certified letter telling them to stop and if they don't file a suit for damages. If it lands up on your credit report, file a dispute notice to the credit bureaus and it now becomes their responsibility to investigate it and prove it or else they must take it off. Lets take charge by paying a little bit to the credit card companies so they get paid and putting the collection agencies out of business.Maybe they will learn to talk properly to people if they don't make their commissions.

I have not received anything in writing from NCO although they tell me that I owe them $10 from the internet web provider 1&1 (don't use them!!) plus their fee of $29. I was paying 6 months in advance to 1&1 but due to credit card fraud, my card # was changed, so they could not get automatic advance payment. I tried contacting them several times so when I eventually got through I told them to cancel my account because i wasn't happy with their service. They sent it to NCO. I don't even own them the amount that they are asking for over the phone (nothing in writing) i offered to send a check if they gave me their address but I have not received anything from them. They also gave me the wrong address for NCO. Don't they know their own address? i guess they don't want people to write. They are hassling me for a total of $39, of which $29 is the fee for a late payment and so they are trying to collect $10 for 1&1. Then 1 &1 will have to refund me at least 1/2 of the $10 as I had cancelled my contract with them. Have you ever come across a company sending a bill out to collection when people pay in advance? Don't use 1&1 as they have some kind of deal going with NCO!! I will not give NCO my credit card number, they will not send me anything in writing so I guess I will have to listen to their charming voices!!

NCO has been calling me several times a week. At first they called my new cell phone, then they started calling my home phone. I have NO unpaid debts. I checked all 3 credit agencies. It is never a real person calling, it's always a robocall with the standard speech they always use. They used to leave a message on my answering machine. I have now routed them to my FAX line so when they call me they get my FAX machine. I set up my cellphone to a silent ring when they call and I never listen to their messages anymore. I have complained to the FCC 3 times now with no effect. This has been going on for 3 months and I have never received anything in the mail from them. I am not about to call them back as I know I don't owe anyone anything. It's getting so annoying! I find it really interesting that this started when I started a new cell phone service with AT&T. If this keeps on much longer I am going to hire a lawyer.

We had the misfortune of getting the telephone number of someone who doesn\'t pay their bills. We have received countless calls from NCO and have told them we do not know this person. As if the calls were not bad enough, they used a reverse directory and are now sending mail to this person at our address! HOw do we get this madness to stop?

It is time that a class action suit be brought against NCO Finacial Systems Inc. who provided me with a P.O. Box of 17080 Wilmington,De 19850 while their physical address is clearly in Pa.

NCO has been calling me nine or ten times a day from different area codes. I do not answer 800, 866 or Private Caller numbers or numbers I don't recognize even if they read NCO Group and have an answering machine for messages from these numbers. They never leave a message, but let the phone ring enough times so I have all these hang-ups on my answering machine. If they left a message, I would call them back, but I am not going to play this game with them. This is pure harrassment. I don't like it. With all these violations, how come these people are still in business. By the way, I have received no postal mail notification of any debt I may owe. None of their phone numbers are listed in "yellow pages.com". Something is not right here. They should be stopped. Thanks for listening.

I keep getting phone calls from NCO Financial Systems. I finally said if you don't stop calling this number I will call the Police. Sometimes I pick up the phone and don't say anything,I don't get any reply back. I don't know how they got my phone number. I still keep getting phone calls from them.

NCO has been a thorn in my side for long enough. Got a call from my brother in law telling me they called his grandmothers house looking for me. I've never even met the woman. When I called NCO to confront them about why she was even called, let alone how she got so much information out of them, NCO started getting extremely RUDE. First, they told me I must have either provided them with the number, or called from that number. Trouble is I don't know her. When I tried to explain this, the people from NCO started yelling at me saying things like "if you won't let me talk, I'll just interupt you." I'm contacting an attorney tomorrow as well as filing a complaint with the FTC.

NCO has been harassing me and my husband for months asking for a Randy S. "Randy S. don't live here", we keep telling them. NCO calls all hours of the day and night and would not stop and they refuse to listen. Whoever is Randy-Thanks for giving NCO my phone number-you jerk. We are sick and tired of these harassing phone calls at all hours and they don't do anything to check their sources or update them system.
If this continues on to the new year, I will be contacting my attorney and filing a lawsuit for harassment against NCO.

Diana & Brian
of Churchville, NY

This company has been repeatedly calling me at all times of the day. I have sent written requests that they cease doing this. Then I answer the phone, a recording says "Good-Bye" The debt they have been trying to collect is so far out of the statue of limitations it is ridiculous. I too am filing a complaint and contacting my Attorney General Offices. These people need to get a REAL job.

All the above has repeatedly happened to me as well. They violate everything!

i have been dealing with this company.. had a fraudulent check while at college and my account was supposed to have fraudulent protection.. so anyways i didnt fight it figured i was wasting my breath so i make monthly payments, and i became unemployed so i went from making 200 dollar payments to what i could, but i always pay something. called them and told them i am leaving for the military in march and would be able to pick back up the payments and more than likely just pay them off and settle for 80% of what i owe. they continue to call me with rude calls stating they are going to tack on fees and interest if i dont pay more than what i am currently. the supervisor got on the phone when i stated i would get a lawyer and fight the entire situation if they werent willing to work with me..i told them this was the only thing on my credit report and they needed to respect that i am even agreeing to pay. needless to say it got heated. they call ask for payment i say ill do it on my own not over the phone, and she hangsup on me. its ridiculous!! i am paying i am not sure what they expect from people least i am making payments!

These guys call me four and five times a day, Sunday included and holidays. I cannot find a debt listed in my credit report that they could be after.I do not answer their calls.

I got a call asking for "John Doe" who does not live here. I am a relative of "John", who lives 2000 miles away, and they wanted me to give them his unlisted cell phone number. I refused and suggested they write him a letter or visit him since it's not my responsibility. I doubt the caller will personally visit since she sounded like she was in India!

NCO has been calling my house for several weeks now, sometimes pretending to be other companies. I have no outstanding debts and they have requested no payment. They are just harassing me for what reason I do not know.

Those people that work for this company are so rude. They will not listen to reason or much of anything I had to say. Trying to collect a dept from 3 yrs ago that I have not received a bill for since last Apr.??? All they want to do is set up a payment plan. Which I will not do until I see a bill that I owe on which they cannot send me. Got hung up on twice after being sooooooooo rude.

This company called my place of business. I called back and the representative on the phone was extremely rude and would not focus on the reason for the call. Instead the he choose to berate me about my loans. I asked if we could just go forward w/ the reason for the call and he "said no! you people are all the same and when someone calls you out you want them to move on well I'm not going to do that!" He also berated me for going into a career in public interest and how "that serves me right!". No one should have to be treated that way. They have a valid number for me but want more than one number and I refused to give them another. They reached me on the number I gave them and they are not satisfied w/ that. My hands were shaking after the phone call and my heart racing. I felt awful. This can't be healthy for anyone experiencing this company.

Got a call from them today. Never heard of them before, but I did recently get an old (15 years old) bill from a phone company. I think it was paid. (Not sure anymore.) Anyway, after reading about 1/3 of these postings, I am not dealing with any phone calls.

NCO keeps calling my elderly parents home looking for someone we have never heard of. My parents have had this # for 40+ years, so why they think it belongs to someone else is beyond me. I called them w/ this information and asked they double check the phone number and to please quit calling!

They keep calling even though I have repeatedly told them the person they want does not live here and I don't have contact information to give them. I have asked 3 times already to be taken off their call list - don't even know how they got my number. Or why they're calling me. If it continues, I'll need to find whatever agency handles this sort of thing so that the calls stop, as the law provides.

I just moved back from Europe on the 21 December, 2009. I was assigned a phone number by Charter Communications on 24 December, 2009. Apparently, the previous owner of this phone number owes many businesses in Cleveland, Tennessee and credit card debts and goes by various names of Melinda, Belinda, Yolanda, Eva, and Evonne. How do I know this? Because bill collectors are harassing me for her debts yet I do not know this person. As far as I know, I've never clapped eyes on this individual. I explain to debt collectors that I do not know this individual, am not a family member or even distant kin of this individual and request that they remove this phone number from their collection list. They promise me that they will remove my number from their list and then call back within several hours from the same company harassing me. Even the county elementary school in the Cleveland, Tennessee repeatedly phones me because this woman fails to pick up her child on time! If this lady has lost her job, then my sympathy goes out to her but I should not be harassed for her debts!!!!

Want to know why I quit a very good job in Europe to move back to the USA? It is because my mother is dying of terminal cancer (she is in pain & has phase 4 carcinoma with

Looks like this company is really ridiculous!!! I would like to know why the BBB hasn't shut them down. No Joke for 2 months they have called my house 10 times from 8 am to 9 pm. When they ask for my husband I ask , Can I ask what this call is in reference to. They say is he home. If I say No they hang up. If I say I will let you know when you tell me what your call is about. They refuse. So , I googled them and found out they are a fraud. So as of today .. They refuse to mail him about this debt that is owes. I finally got the calls stopped when I said he no longer lives here and I don't care where he lives or what his phone number is. Finally my house is quiet and my children can sleep . Bottom line is they can tell you what company they are calling about. example. If its a Doctors bill. They can say its about Doc. So and So. and leave it at that. I have to say this company will never get a dime out of me and I always record all calls from people I do not know .

I was kept on hold for over 40 minutes by some one who sounded as if they had no idea how to transfer a call, come to find out the company had closed early that day but noone came on the phone to advise me of this. Previsously I had a guy curse me out and tell me I will always have bad credit as far as they were concerned and then slammed the phone down I called back and informed the same person that I would drive to their office and beat the living sh*t out of him if he ever disrespected me that way again. This company is run by so called thugs and people who try to threaten you to comply to what they ask and will not listen to your reason or plan of action to get them paid off.