Da exact same thing happened to me!

This caller is NCO Financial, collection agency who calls me to collect a debt from Bank of America. (Yes, I am the only person that admits I owe them money.)

NCO Financial Systems, Inc.
507 Prudential Road
Horsham, PA 19044
(800) 220-2274
(215) 441-3000
Consumer Hotline: (800) 550-9619
Consumer Hotline Fax: (866) 269-8669

If you want the calls to stop, you may demand they quit calling you for either of these reasons: The caller is not available at that number, or you do not wish to be called any longer.

Either way, write and send a certified letter as to the reason, the real one, not a lie, and they will not call you for a minimum of one year.  However, if you do owe the debt, they may pursue other avenues of collection, which may include getting a judgment and/ot garnishing wages of the debtor.

No message left

I have received two calls from this company, leaving a message on my phone statint they are trying to collect a debt and to call tis no.  I called, I talked to Kelly.  She started our really nice and then when I quoted the fair debt collection practice act, thats when she turned ugle.  I told her that person does not live here and that they ar not allowed to leave messages on your phone.  If someone else was to retreive those messages , tha would be humiliating.  This is not my debt and the person does not live here.  I even told her that if I was to sue them, they could be fined $1,000.00 for every message.  She got ugle, was unprofessional and hung up.  I may just file a complaint with the ARDC against their company.  Her boss just may like that.

I'm 86 years old, a widower, and I don't owe any bill.  I get 2 to 3 calls a day leaving a message saying to call 1-800-218-1175 and that it's important I call back right away.  This has been going on for weeks.

if poeple would just learn to be responsible with their money they wouldnt need credit...too many people living 100k lifestyles making 30k a year..know your place and pay yo bill

BDuck50

  1st I am sorry for your loss..
  2nd..I appreciate you standing up to these scumbags...you can demand in writing to stop calling you and they must do it..or you sue them...
Good luck to you

NCO has been calling me regarding my mothers debt with Bank of America.  1st of all BofA should not of loaned an 80 year old widow on social security only the amounts they did.  She did pay them until last April when she was diagnosed with kidney failure went on dialysis, went to a nuring home on Medicaid.  I have told them (some guy named Matt) this numerous time but he keeps calling.  Then the day after she died they called me (and I probably should thank them, I needed someone to tear into and they did provide a source), I told them of her new status and they challenged that.  That's when I tore into them.  They finally just hung up on me.  They're still calling but I have them programed to go to voicemail and if they want to waste there time so be it.

keep calling wrong number

yeah i called them back wat should i tell them ?

File complaints with

Federal Trade Commission  https://www.ftccomplaintassistant.gov/FTC_Wizard.aspx?Lang=en

Your State Attorney General
State Attorney General is every state they have offices

Link to all State Attorney General Websites www.naag.org

If you or they are located in NY ? use this SPECIAL Link  www.NYDebtHelp.com
This special website was created by NY AG Andrew Cuomo specifically for reporting illegal debt collection practices.  HE?S CRACKING DOWN AND SHUTTING THEM DOWN!

Also report your calls and contacts with debt collectors at http://www.budhibbs.com/index.html  If the company is listed under agencies ? report there. If not on the list YET, click on Watchlist! and add to the list.   You can also post here http://www.collectorsexposed.com/forum2/index.php?board=2.0

Debt Collectors DO NOT WANT YOU TO KNOW THIS INFORMATION!        
The INFORMED CONSUMER IS THE DEBT COLLECTORS WORST ENEMY!

Dealing with Debt Collectors
http://www.budhibbs.com/start.html


Statute of Limitations by State ? always double check YOUR OWN STATE Government Website
http://www.budhibbs.com/statute_of_limitations.htm


Recording calls from Debt Collectors - always double check YOUR OWN STATE Government Website
http://www.budhibbs.com/record.htm


From Federal Trade Commission Website ? FAIR DEBT COLLECTION PRACTICES ACT
Debt Collection FAQs: A Guide for Consumers
If you?re behind in paying your bills, or a creditor?s records mistakenly make it appear that you are, a debt collector may be contacting you.
The Federal Trade Commission (FTC), the nation?s consumer protection agency, enforces the Fair Debt Collection Practices Act (FDCPA), which prohibits debt collectors from using abusive, unfair, or deceptive practices to collect from you.
Under the FDCPA, a debt collector is someone who regularly collects debts owed to others. This includes collection agencies, lawyers who collect debts on a regular basis, and companies that buy delinquent debts and then try to collect them.
Here are some questions and answers about your rights under the Act.

What types of debts are covered?
The Act covers personal, family, and household debts, including money you owe on a personal credit card account, an auto loan, a medical bill, and your mortgage. The FDCPA doesn?t cover debts you incurred to run a business.

Can a debt collector contact me any time or any place?
No. A debt collector may not contact you at inconvenient times or places, such as before 8 in the morning or after 9 at night, unless you agree to it. And collectors may not contact you at work if they?re told (orally or in writing) that you?re not allowed to get calls there.

How can I stop a debt collector from contacting me?
If a collector contacts you about a debt, you may want to talk to them at least once to see if you can resolve the matter ? even if you don?t think you owe the debt, can?t repay it immediately, or think that the collector is contacting you by mistake. If you decide after contacting the debt collector that you don?t want the collector to contact you again, tell the collector ? in writing ? to stop contacting you. Here?s how to do that:
Make a copy of your letter. Send the original by certified mail, and pay for a ?return receipt? so you?ll be able to document what the collector received. Once the collector receives your letter, they may not contact you again, with two exceptions: a collector can contact you to tell you there will be no further contact or to let you know that they or the creditor intend to take a specific action, like filing a lawsuit. Sending such a letter to a debt collector you owe money to does not get rid of the debt, but it should stop the contact. The creditor or the debt collector still can sue you to collect the debt.

Can a debt collector contact anyone else about my debt?
If an attorney is representing you about the debt, the debt collector must contact the attorney, rather than you. If you don?t have an attorney, a collector may contact other people ? but only to find out your address, your home phone number, and where you work. Collectors usually are prohibited from contacting third parties more than once. Other than to obtain this location information about you, a debt collector generally is not permitted to discuss your debt with anyone other than you, your spouse, or your attorney.

What does the debt collector have to tell me about the debt?
Every collector must send you a written ?validation notice? telling you how much money you owe within five days after they first contact you. This notice also must include the name of the creditor to whom you owe the money, and how to proceed if you don?t think you owe the money.

Can a debt collector keep contacting me if I don?t think I owe any money?
If you send the debt collector a letter stating that you don?t owe any or all of the money, or asking for verification of the debt, that collector must stop contacting you. You have to send that letter within 30 days after you receive the validation notice. But a collector can begin contacting you again if it sends you written verification of the debt, like a copy of a bill for the amount you owe.

What practices are off limits for debt collectors?
Harassment. Debt collectors may not harass, oppress, or abuse you or any third parties they contact. For example, they may not:
    use threats of violence or harm;
    publish a list of names of people who refuse to pay their debts (but they can give this information to the credit reporting companies);
    use obscene or profane language; or
    repeatedly use the phone to annoy someone.

False statements. Debt collectors may not lie when they are trying to collect a debt. For example, they may not:
    falsely claim that they are attorneys or government representatives;
    falsely claim that you have committed a crime;
    falsely represent that they operate or work for a credit reporting company;
    misrepresent the amount you owe;
    indicate that papers they send you are legal forms if they aren?t; or
    indicate that papers they send to you aren?t legal forms if they are.

Debt collectors also are prohibited from saying that:
    you will be arrested if you don?t pay your debt;
    they?ll seize, garnish, attach, or sell your property or wages unless they are permitted by law to take the action and intend to do so; or
    legal action will be taken against you, if doing so would be illegal or if they don?t intend to take the action.

Debt collectors may not:
    give false credit information about you to anyone, including a credit reporting company;
    send you anything that looks like an official document from a court or government agency if it isn?t; or
    use a false company name.

Unfair practices. Debt collectors may not engage in unfair practices when they try to collect a debt. For example, they may not:
    try to collect any interest, fee, or other charge on top of the amount you owe unless the contract that created your debt ? or your state law ? allows the charge;
    deposit a post-dated check early;
    take or threaten to take your property unless it can be done legally; or
    contact you by postcard.

Can I control which debts my payments apply to?
Yes. If a debt collector is trying to collect more than one debt from you, the collector must apply any payment you make to the debt you select. Equally important, a debt collector may not apply a payment to a debt you don?t think you owe.

Can a debt collector garnish my bank account or my wages?
If you don?t pay a debt, a creditor or its debt collector generally can sue you to collect. If they win, the court will enter a judgment against you. The judgment states the amount of money you owe, and allows the creditor or collector to get a garnishment order against you, directing a third party, like your bank, to turn over funds from your account to pay the debt.
Wage garnishment happens when your employer withholds part of your compensation to pay your debts. Your wages usually can be garnished only as the result of a court order. Don?t ignore a lawsuit summons. If you do, you lose the opportunity to fight a wage garnishment.

Can federal benefits be garnished?
Many federal benefits are exempt from garnishment, including:
    Social Security Benefits
    Supplemental Security Income (SSI) Benefits
    Veterans? Benefits
    Civil Service and Federal Retirement and Disability Benefits
    Service Members? Pay
    Military Annuities and Survivors? Benefits
    Student Assistance
    Railroad Retirement Benefits
    Merchant Seamen Wages
    Longshoremen?s and Harbor Workers? Death and Disability Benefits
    Foreign Service Retirement and Disability Benefits
    Compensation for Injury, Death, or Detention of Employees of U.S. Contractors Outside the U.S.
    Federal Emergency Management Agency Federal Disaster Assistance
But federal benefits may be garnished under certain circumstances, including to pay delinquent taxes, alimony, child support, or student loans.

Do I have any recourse if I think a debt collector has violated the law?
You have the right to sue a collector in a state or federal court within one year from the date the law was violated. If you win, the judge can require the collector to pay you for any damages you can prove you suffered because of the illegal collection practices, like lost wages and medical bills. The judge can require the debt collector to pay you up to $1,000, even if you can?t prove that you suffered actual damages. You also can be reimbursed for your attorney?s fees and court costs. A group of people also may sue a debt collector as part of a class action lawsuit and recover money for damages up to $500,000, or one percent of the collector?s net worth, whichever amount is lower. Even if a debt collector violates the FDCPA in trying to collect a debt, the debt does not go away if you owe it.

What should I do if a debt collector sues me?
If a debt collector files a lawsuit against you to collect a debt, respond to the lawsuit, either personally or through your lawyer, by the date specified in the court papers to preserve your rights.

Where do I report a debt collector for an alleged violation?
Report any problems you have with a debt collector to your state Attorney General?s office (www.naag.org) and the Federal Trade Commission (www.ftc.gov). Many states have their own debt collection laws that are different from the federal Fair Debt Collection Practices Act. Your Attorney General?s office can help you determine your rights under your state?s law.

For More Information
To learn more about debt collection and other credit-related issues, visit www.ftc.gov/credit and MyMoney.gov, the U.S. government?s portal to financial education.
The FTC works for the consumer to prevent fraudulent, deceptive, and unfair business practices in the marketplace and to provide information to help consumers spot, stop, and avoid them. To file a complaint or to get free information on consumer issues, visit ftc.gov or call toll-free, 1-877-FTC-HELP (1-877-382-4357); TTY: 1-866-653-4261. The FTC enters consumer complaints into the Consumer Sentinel Network, a secure online database and investigative tool used by hundreds of civil and criminal law enforcement agencies in the U.S. and abroad.
        February 2009

LOL!!  great post!!  :)

Just a recorded message to call back NOW!  Seems like they call 2 or 3 times a week!  For whatever it's worth, I filed complaint for "do not call list."  But I'm sure they will just keep changing their number.

got love they keep calling i keep not answering have there number listed on my phone as blockhead i see that just hang up on them dont even give them a chance to leave a message.  Do not get stressed over this kind of stuff anymore control what you can and do the best you can and move on set up a nevada corp and start over become a ghost

left message speaking very fast. Did not ask for me by name."Mac McCarty"?
calling from NCO Financial about a debt owed.  "very important I call
back at 1-800-218-1175"  Don't have any debt!
Called back to tell them and left on hold with an annoying recording
that continues to repeat, "all representatives are currently on another
line helping other customers, please remain on the line and your call will
be answered in the order it was received". After 11 minutes I hung up!
Is this a scam to get personal info or do they get people mixed up by
telephone number or name?? They obviously are not a reputable company!

Caller leaves a message saying they are trying to collect a debt.  Never asks for a person.  Says to call 800-218-1175 TODAY

A "company" calling themselves "NCO Financial" and that they are debt collectors -- great, but I'm not in any sort of debt at all, so this is obviously a scam of one sort or another.

Got a call with a recording saying they needed to speak to ____ _____ about a personal business matter. If you are ____ _____, press 1, to put the line on hold while you get this person, press 2, to take a message, press 3. If you are not ___ ____, press 4. I pressed 4 because the name wasn't anyone who lives here and was told it was still very important that they speak to me and to please hold. I got hold music and then a recording saying all lines were busy and to please call them back at 1-800-218-1175. Yeah, right, like I'm going to call them. I am sick of receiving recorded messages for someone who has a similar name to mine!

Super rude collection agency. NCO Financial Systems. I think they are a collection agent for Bank of America and Dell Financial and have been calling my home incessantly for someone who doesn't live here.

RINGS TWICE AND HANGS UP

I am sick to death of these phone calls they call for my son and I have asked them not to call me that he does not live here.

Rude collection agency.