Thanks for explaining who NCO is to everyone. I have bothered for over 3 years and I will follow up with your suggestions.

They never leave me a message, but they start calling me early in the morning.

This number comes up on my cell phone about 15-20 times a day.  You call it back from another phone and get nothing.  I call on my cell.  It is credit one bank.  I have sent them a letter via certified mail and have not received anything from them.  Be careful.

It's Capitol One Card Center.

FOUND THIS ON YAHOO NEWS

Have you heard of NCO Financial Systems Incorporated? If not, you definitely need to know about them. This is a collection agency that plays dirty pool. Really, really dirty pool.
I first became aware of NCO Financial Systems when I began receiving voicemails from them about two weeks ago. The voicemails simply stated that so-and-so was calling from NCO, that it is an attempt to collect a debt, and to call a certain phone number with the specified confirmation code.

I thought this was odd, since they didn't even state who they were looking for and I have no accounts in collections. I even checked my credit report and I was right - all accounts are listed "paid as agreed".

So I decided to find out what I could about NCO Financial Systems Incorporated before returning their calls. As it turns out, I am glad I did not answer the phone.

According to many thousands of complaints listed on www.budhibbs.com, www.ripoffreport.com, and even www.bbb.org (the Better Business Bureau's website), NCO violates collection laws right and left. The BBB has about 150 complaints listed, the Bud Hibbs has many pages of consumer comments, and Rip Off Report has a few thousand NCO complaints listed.

To sum up the typical consumer experience with this collection agency is difficult. Not everyone has had the same experience with NCO Financial Systems Incorporated, but far too many have been harassed by this collection agency.

Let's start with the phone calls. Many customers have had NCO call them before 8:00 a.m. or after 9:00 p.m. local time. This is prohibited by the Fair Debt Collection Practices Act. Many customers have also been called at work, even after telling the NCO representative they are not allowed to receive personal or collection calls at work. This is also illegal. Collection agencies are not allowed to call you at work if you have notified them that you aren't allowed to take their calls at work.

Collection agencies are prohibited from harassing consumers. Harassment is defined by the FDCP Act as threat or use of violence, use of obscene language, or using the phone to intentionally annoy someone (which includes repeated rings/calls). Far too many consumers have been screamed at by NCO representatives. Many others have received numerous phone calls. By numerous, I mean about 100 calls in one month.

Many times people cannot even get NCO to verify the debt they're collecting. Other times, they discover that NCO is collecting a debt past the statute of limitations in their state or a debt that has been paid to the original creditor. Why on earth should you give your money to a company that doesn't have a valid reason to take money from you?

This brings me to my next point. The Fair Debt Collection Practices Act also stipulates that collection agencies must verify your debt. Unless they verify the debt in an initial phone call, written verification must be sent within five days. The verification must include the original amount of debt, original creditor you owed the money to, and your rights to dispute. Many people never received this verification from NCO. Again, why should you pay a company money if they can't prove you actually owe them money?

Consumers should also know they have the right to ask collection companies to not call them. The collection agency may still call ONLY to notify you they are stopping collection action against you or taking special remedy. Many consumers have sent letters via certified mail to NCO Financial Systems, telling them they must cease phone calls in accordance with law. The letters are usually sent certified, and a certified return receipt is usually not sent back to the consumers. And guess what? The phone calls still do not stop. This is true of consumers who may have a debt, and consumers who have no past due accounts and are not the individual being sought by NCO.

After reading through the complaints for a few hours, I have come to a few conclusions. First, you need to know the law. Read the Fair Debt Collection Act. Know your rights. Secondly, communicate with them by mail whenever possible (assuming they ever send you anything). In case of a dispute, written communication proves your points much more than verbal agreements. Also, keep track of when they call, and who, if anyone, you talk to.

If you need more assistance in dealing with NCO Financial Systems Incorporated, look at the sites I've mentioned. They're listed below, too. Learn from other people who have been scammed, and how they fought back. You could literally spend hours reading the complaints. It may even keep you up at night. These discussions make for frightening reading but I suggest you read through some anyway.

If you have had an encounter with this collection agency and they violated the law, complain. If the Federal Trade Commission received a complaint from each of the thousands negatively affected by this company, maybe something will finally be done.

The address listed for NCO, which also goes by the name of NCO Group Inc, can be found at www.ncogroup.com. Their contact info, as well as an online feedback form, can be found here.

Sources:
http://www.baltimore.bbb.org/commonreport.html?bid=20014093
http://www.budhibbs.com/debtcollectorpages/nco_financial_systems_cmts.htm
www.ripoffreport.com
http://www.ftc.gov/os/statutes/fdcpa/fdcpact.htm

CALLS EVERDAY, PUT A STOP TO THIS.

CALLS ALL THE TIME, LEAVES NO MESSAGE, WE ARE ON THE DO NOT CALL LIST.

sick of it, report report report

i hav had enough of this S*^$!@.........;o[

The call comes in as "NCO" several times a day.  There is a recorded message that says "All of our representatives are busy. Please hold for an important message".  I never wait for their "important message" but the calls are getting annoying and I wonder if there is any way to get them to stop calling.

They call and I hook up to fax machine and/or fax number.  I do not owe anybody.  This is NCO per caller ID.  They also call from 702 576 0429.  Unfortunately there is nothing one can do.  The phone company says they cannot do anything about it, but they will give them phone service yet they deny knowing who they are.  I wonder how the phone company collects NCO bill if they do not know who they are.  Anyway, even if one answers the phone they will continue calling because they do not believe you are NOT the person they are looking for.  It is only logical that if a person owes money more than likely they do not have a landline because they cannot afford it and/or have a different number because they are trying to hide from debt collectors.  Debt collectors take note:  You are definitely calling the wrong people.  The people who owe you money are long gone.  Debt collectors, the people who owe you money are smarter than you are because they know how to hide from you.

They call at 734 am central time. And will call all the way to 12:34 am
I know they have to be breaking alot of laws by calling that early and late
And they called my cell and house phone 26 times yesterday. What can I do?

THEY ARE A DEBT COLLECTING COMPANY, THEY ALSO HAVE THIS NUMBER: 440-399-7470, ALSO KNOWN AS NCO GROUP!  DON'T ANSWER THERE PHONE CALLS!

I get call from this number as well and they are not even calling for me they keep asking for people who do live at my house and when I say no one lives here by that name they ask what name is and i refuse they should know who they are calling and they call at 7:45:50am up to 9:10pm very annoying

I get calls from this number 3 to 7 times per day starting sometimes as early as 7:45 am (this is against the Fair Debt Collection Practices Act) They call right up to 9:00 pm.  
There's never anyone there on the off chance I do anwer.  No talking, salutation, just breathing like some bad impersonation of an obscene phone call.
CA and Fed Fair Debt Collection Practices Statutes indicate this is wrong, against the law and should be reported immdeiately to the California Board of Collectors.
Just do it and we can get these a** bites off the phone for good (and maybe the debt removed for your pain and suffering) just a thought

NCO Financial