800-413-0134
Not so Stupid
Not so Stupid
2013-07-03 18:44:23
Debt Collector
I called them, they said that this was a credit card bill that I owed.  Problem is that I don't have a card with the company.  I contacted Capital One, who was the supposed creditor, they verified that I do not now nor have I ever held an account with them.  Of course, I knew this, but I had to speak to a supervisor, I gave my name only and refused all other info.  The law requires the company to give details on the original debt holder, NCO buys debts for pennies on the dollar and then attempts to collect. \  You do NOT need to verify who I am, you HAVE to tell who you are.
I am a Collector
I am a Collector
2013-05-13 01:04:59
Unknown
Ok, let understand something. We deal with 1000's of calls a day. We only ask that you hear us out and what we have to say. We don't want to be mean, but sometimes we sound like we're mean because of the attitude we receive from other people.

If other callers wouldn't give us attitude first, we wouldn't be so harsh on the phone.
Frustrated as well!
Frustrated as well!
2013-05-01 16:12:36
Unknown
They call several times a day.  When I pick up, there is no one there.  When i finally got someone to talk to, they were trying to collect a debt from my father who passed away in 2001.  Don't tell me they are legitimate.  His estate was settled, anyone he owed money to were paid if they submitted their paperwork.  These are parasites.  There is no other way to describe them.  They continue to call from various numbers. They have threatened me, saying I was responsible for his debt.
Wowannon
Wowannon
2012-03-11 01:50:16
Unknown
Your creditors may say you're up to date but in reality you may only be up to date because NCO bought your debt so your debt shows as paid off to them... When NCO buys your debt it restarts the 7 years it stays on your credit
WowAnnon
WowAnnon
2012-03-11 01:48:19
Unknown
Also if they call your cell phone, have a recorder available and put your phone on speaker... Record telling them not to call your phone again. They legally cannot call your cell phone again after that point and can be fined if they do.
Wowannon
Wowannon
2012-03-11 01:46:29
Unknown
To address messages being left the requirements for a message are, name of the debtor, company name, the mini miranda "this is an attempt to collect a debt any information obtained will be used for that purpose" ... They CANNOT leave the id number for any account. That is third party disclosure and at least a 1,000$ fine!
Wowannon
Wowannon
2012-03-09 07:09:28
Unknown
Aaa -- clearly SOME COLLECTION companies do not follow the law. That does not make all collection companies sleazy. THE BANKS did not get us in the mess we are in with this economy. It's people who borrow from banks and don't pay them back that got us in this mess! Legally, collection companies can not do anything you have described and can be sued for doing them... I suggest suing them. To address your comments about salary... Plenty of collectors at my agency make 6 figures easily. Just because you know one person who works for in-house collections making 16/hr doesn't mean 3rd party collection agencies pay the same. We get paid a base salary plus commission. Whether a debtor pays us or not... We get paid.
To address NCO specifically as a company, I personally would not pay them and would dispute that debt. They have bought the debt and I'm against paying debt collectors who bought debt. The way you can tell this is by looking at your credit report. Your original creditor will show a zero balance and NCO will be listed with a higher balance because they are adding collections fees and whatever else they want to. Your original creditor has the legal ability to sell your debt... However I take the stance that if a company is dumb enough to buy the debt, they dont deserve to be paid. Certain collection companies are paid to collect on debts by clients... They do not buy the debt and are legitimately trying to help consumers resolve an issue. We understand life happens. We have all been there at some point in our lives and couldn't make all of our bills... So we are willing to work with you. THIS IS YOUR credit... Not ours... You are the one that is affected by not paying your bills... Not us... So there's NO reason to get mad at us.
aaa
aaa
2012-02-11 17:04:59
Unknown
aco...i do not owe your slimy company any money i get two pension checks and two ssn checks every month,my wife and i... i also buy houses in short sales and resell the houses my credit scores are 780-795.
i got involved with 800 notes because of all the low life sleazy lying debt collectors...
my neighbor who is in her 80,s got a call from FFG one of your low life fellow debt collection company and they threatened her to take her house away and ssn check,this lady did not owe any money,,then she had a mild heart attack thank god she is okay so after i visited her she told me what happened and i got there phone number from her ID and i called them and they did call the wrong number and after i told them what they did there response was.WHO GIVES  A F--K IF THE OLD LADY DIES then they hung up on me.
now getting to you i don't believe you that you get a awesome salary and bonus,,yes NCO is the largest debt collection company but the debtors aren't paying like they use to because they lost there job due to how the banks screwed up the economy..i say your making anywhere between 7.00 to 10.00 an hour and collections is way down and when you go home bill collectors are calling you for money that you don't have.my neighbor son works for nationwide as a debt collector hes been working there for 12 years and gets paid 16.00 an hour.
now back to your low life sleazy company...NCO was voted for the worst company in America back in 2010 one of your low life debt collector called this women who's husband is in Iraq and she tells this lady that if she doesn't pay this debt that she will have her husband dishonorably discharged and she also said she spoke to her husbands officer who also is in Iraq of course she lied because not even the wife of the solider could contact her husband but this low life sleazy debt collector can call Iraq and get contact.

PEOPLE if you want to read what i just wrote go to BUDHIBBS.COM/COLL_TO_AVOID_LIST.HTM
then you will get a list of all the low life sleazy companies and yes NCO is on there scroll down to number 208 NCO AMERICAS WORST hit enter read what bud hibbs says about NCO then scroll down and read the complaints the first one is about the lady who's husband is in the military.bud hibbs is a consumer advocate for over 25 years and he successfully closed down some sleazy debt collection companies and law firms and he will give you free advice and even help you find a lawyer....
also IDIOT there is so many scams out there and i would never give anybody my info to verify.
people you can call the original creditor and tell them you will not deal with NCO who has  a F rating with the BBB the lowest rating you can get so that means they violate the fdcpa act..go to bbb.com and read it yourself
IDIOT i know your not making any money and that's why your posting your shill post on here and I'm very happy your not making any money,,why don't you get a job with security and you would make more money then being a low life lying sleazy debt collector who works for a low life sleazy debt collection company....IDIOT...
aco
aco
2012-02-09 18:37:09
Unknown
It sad when someone thinks that paying your bills is nonsense. In response to 'they are being sued for good reasons' re-read my whole post - you obviously didn't.
Alfalfa
Alfalfa
2012-02-09 17:25:23
Unknown
FYI--I have also dealt with this agency, who continued to harass me for weeks--long after the debt had been PAID.

So, get off your soapbox with your "Pay you's bills" nonsense. They are being sued for for good reason.
AC
AC
2012-02-09 17:09:15
Unknown
Their are lawsuits made to collection agencies ALL of the time and complaints. Yes some have substantial cause if collectors are absolutely rude or give away PII or break FDCPA, FCRA, etc. Many are unjustified as well. Someone is mad because someone called them when they were taking a nap, someone called and said they owed something but wouldn't give out info because they didn't verify ssn, etc. We live in a very litigious society and many people are looking to make a quick buck or think that they are "getting even" by suing. 99.9% of them time all debtors who complain or sue will win because it would cost more for the agency to fight all of the many suits, complaints that they could. Most are usually settled for a couple hundred couple thousand and there are hundreds of thousands of collection agencies that pay out a lot of money per year. It's not just collection agencies, it's all businesses. It is cheaper to settle than to fight. If there were no collection agencies people would never pay back their debts that they took out and that they owe. We wouldn't have a functioning society. I'm not saying that NCO or any collection agency is completely moral - I'm not saying that any debtors are bad people. This is just all needed to function. In the long run if someone sues NCO bc they were annoyed with how a debt collector treated them on the phone call - they will make money from suing but it will still owe what they originally owed plus more because they have wasted even more time not getting into an arrangement and every single day the interest goes up on their debt, every time the debt is transferred to a different agency they get penalty fees added, and the longer you let that debt sit the worse your credit report will be hurt. Not good. If you can't pay it, you can't pay it - simple as that. Respectable people will pay when they have the money to do so - if you're treated badly by an agency or your privacy is leaked or someone does not read you the mini miranda that is all cause for complaint or suit but still take care of your debt or speak to someone without being combative of what the ramifications are of your actions or lack of. Be knowledgable. Let's not be awful to and slam people who work in certain professions - there are millions of jobs that need to be done and peole need to do them. There are millions of debts to be collected and people need to pay them.
Alfalfa
Alfalfa
2012-02-09 16:50:43
Unknown
*times*
Alfalfa
Alfalfa
2012-02-09 16:49:12
Unknown
And----are you a POS collection agency who has been sued out the yazoo MULTIPLE for violations of the FDCPA and FCRA?:

Debt collector NCO Financial Systems will pay $1.5 million and change its collection practices to end an investigation by Ohio and 18 other states.

The states began looking into allegations of misleading and deceptive practices by the Pennsylvania-based company in 2008.

As part of the settlement announced Monday the company will set aside $950,000 -- $50,000 for consumers in each of the 19 states -- that will go to wronged consumers. The remainder goes to cover the costs of the states' investigation.

Consumers may be eligible for refunds if they:

? paid more on a debt than NCO agreed would settle the account

? paid NCO for a third-party debt they didn't owe

? were charged interest on a debt that wasn't permitted either by law or under the original contract

Consumers who believe they are entitled to a refund should contact the attorney general's office at www.ohioattorneygeneral.gov or 1-800-282-0515.

In addition to setting up the fund, NCO agreed to abide by fair debt collection and credit reporting laws. It also agreed that if it reports debts to credit bureaus, it will also notify them within 30 days if a consumer disputes the debt.

The debt collector also will notify consumers of their debt collection rights when it contacts them about a debt.

http://www.cleveland.com/consumeraffairs/inde ... html#incart_mce
aco
aco
2012-02-09 16:47:58
Unknown
The thing is - if you actually have a debt with a company and it has been sent to their agency (NCO) then they already have your information - dob, ssn, name, addresses, credit reports, etc. So you are not giving it out, you are just verifying information. Hmm - are you a pos loser debtor that doesn't have a job? Must be a great life. Collectors make awesome salary, bonus, and benefits - you should prob apply to be one so youc an pay off your debts. If you just look this company up you will see that they are not a scam - they are fully licensed as a debt collection agency plus do other things besides. They absolutely could be calling the wrong person - you probably have the name as a debtor or you are related to a debtor and that is why they are callilng you. If they last four of the ssn or the DOB they give out are not yours then let them know that and ask to have your number removed from that person's account since it is not you. If they are calling about a friend or relative you can choose to give out contact info or not about that person. If the ssn or DOB does match yours then that probably means that there is something on your credit report that shows as a debt or judgment and you should get all the info you can from that collector. Either so you can get an arrangement or call the company that it originated from and straighten out the situation. Maybe the originating debt was an error but you will never know if you don't take the time to talk to this debt collector who is calling you. It is not worth it to avoid a ten minute phone call to let your credit report take a hit - credit reports are very important and many ppl who ignore phone calls just don't understand that. Get your situation figured out or get this issue stopped. All it takes is a simple conversation - not a fight. You don't need to give out info if things aren't yours but if there is a chance do not risk having your credit hurt. Order the free copy of your credit report you're entitled to each year at www.annualcreditreport.com so you can make sure nothing is actually showing up on your report. The longer you have something stay in collections, the worse it will look on your credit report, and the higher your bill will get because each day interest is added and their are penalty fees attached every time it is transferred to a diff collection agency. Collection agencies are not "scummy" or "scams." They have a job to get done. There is so much debt in this world because people are either choosing not to work, don't feel like paying their bills, or have come accross economic hardships. Answer phone calls, explain what is going on, become informed about your situation and what could happen, because in the long run when you go to apply for a student loan, for a mortgage, just to buy or lease a car you are going to wish you would have answered that call bc you will be told to fix your credit and then when you try to the original debt will be way more than you would have had to pay back if you would have been in good standing and it will not be a valid excuse to say - I didn't get a letter (u didn't answer the call and update your address), but you asked me to verify my info that you already have (it's the law), but I need a loan to go back to school THIS semester (well you have to make nine monthly payment before being elligble for student loans). Good luck.
ase
ase
2012-02-09 16:35:44
Unknown
Hmm - are you a pos loser debtor that doesn't have a job? Must be a great life. Collectors make awesome salary, bonus, and benefits - you should prob apply to be one so youc an pay off your debts.

If you just look this company up you will see that they are not a scam - they are fully licensed as a debt collection agency plus do other things besides. They absolutely could be calling the wrong person - you probably have the name as a debtor or you are related to a debtor and that is why they are callilng you. If they last four of the ssn or the DOB they give out are not yours then let them know that and kindly ask to have your number removed from that person's account since it is not you. If they are calling about a friend or relative you can choose to give out contact info or not about that person. If the ssn or DOB does match yours then that probably means that there is something on your credit report that shows as a debt or judgment and you should get all the info you can from that collector. Either so you can get an arrangement or call the company that it originated from and straighten out the situation. Maybe the originating debt was an error but you will never know if you don't take the time to talk to this debt collector who is calling you. It is not worth it to avoid a ten minute phone call to let your credit report take a hit - credit reports are very important and many ppl who ignore phone calls just don't understand that. Get your situation figured out or get this issue stopped. Alls it takes is a simple conversation - not a fight.
alsc
alsc
2012-02-09 16:27:49
Unknown
Letters go out to the original addresses that the debtor listed. If the debtor doesn't call in so much time then the collector calls the debtor. The collector can call the debtor until they answer within certan boundaries. Once the debtor answers the collector has to verify that it is the correct person with a ssn or DOB - they will state the last four of your social and state your DOB and have you just say if that is yours or not to protect privacy and because it is the law. The collector is not phishing for information - they already have this information of the debtor  - by saying 'yes' you are not giving that collector any info - believe me -- no one wants to steal the identity of these debtors anyway. It is the law to verify and it is the law to try and collect delinquent debts back.

As for the job part - idk why debt collecting isn't a 'real job.' It's not my job but I know many ppl that do it and make mad money for a living and have great benefits so I think it's pretty real - you know, real like any job - CEO of verizon or part time fry cook at McDonald's. I really wonder what all of these debtors do for jobs or for their lives if they are not paying on their debts. Most people like to just call debtors 'scumbags.' I won't because I know a lot of people run into misfortune in life that causes financial hardship; however, I do think that if someone isn't trying to get a job, isn't trying to make good on their debt, isn't at least acknowledging a phone call from a person whose job it is to contact their person about their debt, or doesn't really care about paying something back, and doesn't care about giving someone intentions on their debts yet complains about decent jobholders and debt collection companies on an internet site are pretty out of line and take the time to look in the mirror or newspaper job section or bank account and think about their lives and bills instead of trash talking.

This is a collection agency company -- if they called you they were calling bc you either owe a debt or know someone who does so they were trying to call you to get a hold of that other person. It is the law that debt collectors have to verify your social sec number before giving out any information so she was probably trying to be careful bc she didn't want to give away too much info about the company being a debt collection agency. To either protect your debt privacy or the person you know.
aaa
aaa
2012-02-09 15:57:01
Unknown
aco....i dont care what the law says i will never give anybody my ssn especially a low life sleazy debt collection company like nco
aco
aco
2012-02-09 15:44:20
Unknown
This is a collection agency company -- if they called you they were calling bc you either owe a debt or know someone who does so they were trying to call you to get a hold of that other person. It is the law that debt collectors have to verify your social sec number before giving out any information so she was probably trying to be careful bc she didn't want to give away too much info about the company being a debt collection agency. To either protect your debt privacy or the person you know.
Robert
Robert
2012-01-30 19:41:37
Telemarketer
I don't want to call me from this #
allyblue
allyblue
2011-10-20 21:44:54
Unknown
You're lying. I receive calls from this number all the time and I have no debts. In this day and age, with so much identity theft, what company would be stupid enough to believe anyone would give out their social security number. It's obvious your company is a sham.
JobakLi
JobakLi
2011-09-17 23:10:16
Debt Collector
Yep they have called me too, no debt owed. My daughter owes them some she is in Texas, I am in SoCal. She did not live here when she incurred the debt, yet they are trying to make me responsible. Never ever!!! give your SSN# out
Jack
Jack
2011-08-06 00:14:44
Unknown
Your a piece of s*** loser that calls people to collect debt. ha ha ha ha Must be a great life!
Kahn
Kahn
2011-06-06 20:57:45
Unknown
Left a voicemail message to call back this number with reference XXXXXX and ask for Brown bag.
Combo
Combo
2011-06-06 20:57:45
Unknown
This is an important message from N.C.O Financial Systems Incorporated. The law requires that we notify you that this is a debt collection company. This is an attempt to collect the debt and any information obtained will be used for that purpose. Please call us back today at Toll Free, 1(800) 413-0134
me
me
2011-06-06 20:57:45
Unknown
Called me at 4:25 pm and told me that I needed to call them today and had a disguised sounding robot voice stating my reference number...the disquised robot voice was different than the rest of the call.  Yeah, like I am going to call this hookey company back.  From everything written about them after Googling this number, they are a scam company!!!  Send me a letter with all the information I need to research my end and stop calling me first!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!  Also, I don't pick up ANY Unavailable numbers so keep calling and leaving your call back number...I will not answer or call you back.
Serita
Serita
2011-06-06 20:57:45
Unknown
My message machine picked up call from a woman who did not identify herself, didn't identify who she was trying to contact, and claimed that she was from NCO financial.  As described by Combo we got a similar message on our land line:

This is an important message from N.C.O Financial Systems Incorporated. The law requires that we notify you that this is a debt collection company. This is an attempt to collect the debt and any information obtained will be used for that purpose.


They also left a code.  My natural tendency is to be helpful and informed them that we are not the party they seek since we have no debts.  But my online searches revealed that they engage in unethical business practices.

So proceed with caution.
Patti Bell
Patti Bell
2011-06-06 20:57:45
Unknown
I kept getting these 'unavailable" messages - with no number attached and they don't leave a it was.    They wanted to speak to my brother who just has my phone for messages.  Now that I know who the "unavailable" is (why doesn't a number ever show it just shows as 000-000-0000, we will just ignore them.  He does not have any credit cards or loans  - so this is just a hoax,
Dale
Dale
2011-06-06 20:57:45
Unknown
Even though the person from N.C.O. Financial Systems said their call is important I would be highly suspicious. They have called me lately from two different numbers. Yesterday their robo machine called me and asked for a specific person that I never heard of. It gave me 3 options. Push one if I am that person. Push 2 if it's the right number but the person isn't in and push 3 if they had the wrong number. I pushed 3. Then the machine asked me to stay on the line so a live person could talk to me to clean things up. That's when I hung up. Today they called me again with some other spiel. I don't have any past due bills so there is obviously no reason to call me. I looked them up and they've been in trouble before. In fact a few years ago they were fined 1 1/2 million dollars for misrepresenting themselves. I believe they are phishing for information.
Jenn
Jenn
2011-03-13 23:18:44
Debt Collector
Called everyday last week and left a recorded message to call back re: a debt collection.  Does not ask for anyone and I do not have any debt.
Tawnya Bell
Tawnya Bell
2010-12-03 19:54:19
Debt Collector
I kepp getting calls from this company looking for the previous owners of my new cell phone number. I have called multiple times to have the number removed form their call list and that this is no longer their number. The last time they called I immediatly called back and asked for a manager, the guy that answered the phone, would not let me talk to anyone, so I advised what was happening and he got all defensive and said no calls have been made to your number we took your number off the list. I then said obviously you didn't because you just called. He proceeded to argue with me that they had not. So I said then how the hell did I just call you back. He then called me a *itch and said we didn't call you and hung up. How can I get this to STOP!
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