410-202-0064
MD, US
AGT
AGT
2012-01-11 17:59:11
Unknown
Thank you for your detailed comment...it was very informative and useful. I have a daughter who just recently graduated from college, then after working for only one year lost her job due to "cut backs".  Even though she is in the middle of negotiations for deferring some of her loans and/or requesting forbearance on another, the debt collectors call her 90 year old great grandmother (who cosigned one of the loans) and me daily, several times a day starting early in the morning and ending around 9 pm.  It is very frustrating and annoying and verges on harassment.  (The number we are all discussing is one of the ones that calls.)
Irritated
Irritated
2011-09-15 13:23:40
Debt Collector
I receive calls from this number and several others from early morning till 9pm, on both my home phone and my cell phone,  whenever my daughter's student loans are behind.  Recently, they called my work and had a call transferred to my desk.  I  made arrangements to get her loans caught up.  The day after they took the money out of my account, they called an told me that another $63 dollars was owed that they missed.  I checked the withdrawl from my account and found that when they told me what was owed they added another loan of my daughter's that I hadn't co-signed for, which increased the payment by $209.  

I contacted AES and reported this.  They made an adjustment by applying the $209 to one of the loans I had co-signed for.  AES said that a collection agency called DCS was responsible for this call.  AES was very helpful with making the adjustment and suggesting ways that I could get my daughter's student caught up.

Needless to say, you must be very cautious and mindful with this collection agency.
Kim Lindo
Kim Lindo
2011-07-14 22:59:16
Unknown
This number calls three to four times a day, but left no message
Linda in Ohio
Linda in Ohio
2011-06-06 20:48:22
Unknown
(410) 202-0064 This number called this morning.  Out of Maryland.  Tried calling back and it was a please hold for next rep for like 10 minutes and when someone came on the line they said they are NCO on behalf of NCC??? Have no idea.
guien
guien
2011-06-06 20:48:22
Unknown
it is a collection agency for student loans as well and they bug and bug you to death call with different numbers and area codes all day long to the point you want to turn off your phone they are horrible and should be reported due to they call from 8 am until 9 pm every 5 minutes or so even on the weekends too and they dont work on the weekends its terrible when you pick up due to you are put on hold for long periods of time
leslie
leslie
2011-06-06 20:48:22
Unknown
called two times this morning and left no message
El.
El.
2011-06-06 20:48:22
Unknown
I got a similar call this morning (8/1/09). I didn't catch who it was. But if you've found NCO as a company name, I may be able to shed some light on it. NCO is the company that's currently collecting on an old hospital bill of mine. It's likely that the calls from this number are debt-collection based.
MINNIE
MINNIE
2011-06-06 20:48:22
Unknown
This is a collection agency for American Education Sevices (AES), called me, when I answered, message said to hold for a very important call, then "all agents are currently helping other members, Please continue to hold"  First, why did they call me to put me on hold? Then, I called back later to the number and they went thru all the"this is an attempt to collect a debt, this call will be recoreded"..Then she proceeds to tell me that this is in deferrment since Jan 2010, and to disregard the call.???? Why did they call to begin with???
marcy nelson
marcy nelson
2010-09-13 00:43:22
Unknown
I do not know this company,, and they keep asking for a different person,, they called 6 times in a few hours, using my minutes on my cell phone. I keep telling them I dont know them and stop calling
Dallas
Dallas
2010-09-10 13:46:16
Debt Collector
Indeed, AES or NCO will call you all hours of the day once you are over like 3 days late. I don't answer unless I know the number, if its important folks can leave a message. I will only pay directly thru the company my debt is with to ensure it goes to the appropriate place, i.e thru my online account. This is one of the few student loan companies that I have had that calls and harasses you if your not even past the 30 day mark.

I once had a company try and tell my parents they co-signed the loan and they are partly responsible when they never actually signed it. Be careful out there.
star
star
2010-05-10 16:15:33
Debt Collector
I am getting five- ten calls per day - on weekends too - from this company on my cell phone. My loan account is past due, but I mailed in a deferment paper over a month ago and they're still calling. They called me at 7:30 this morning....arrrrrgh!
OUTRAGED!!!
OUTRAGED!!!
2010-05-05 14:51:59
Debt Collector
I was infact behind on my student loans for several months, since Feb of 2010 they have been not only caught up and current!! But they have been paid EARLY each month since!!!! I STILL RECIEVE CALLS FROM THIS COMPANY AND EACH TIME THEY SAY OHH I AM SORRY FOR THIS CALL I SEE THAT YOUR ACCOUNT IS NOW CURRENT!!!!!!!!!!!!!!! DOES ANYONE KNOW HOW TO MAKE THEM STOP CALLING????
LAMET
LAMET
2010-03-31 14:32:06
Unknown
BBB IS ABSOLUTELY WORTHLESS - THEY HAVE NOT AUTHORITY TO DO ANYTHING .
If the collection agency pays dues - BBB will side with the dues paying member over the ripped off consumer..

YOU FILE COMPLAINTS ABOUT COLLECTION AGENCYS 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
lamet
lamet
2010-03-31 14:28:39
Unknown
NEVER ASSUME A PREDATORY COLLECTION AGENCY HAS THE LEGAL RIGHT TO COLLECT THE DEBT - they can and do get access to debts they have NO legal right to collect.  

If you pay the WRONG agency - even if you can prove it - The money will kept by them and never noted as PAID.

And you still have to pay the CORRECT PEOPLE.

ALWAYS CALL YOUR LOAN PROVIDER DIRECTLY AND ASK THEM IF YOUR ACCOUNT IS IN COLLECTIONS AND WHICH AGENCY IT WAS ASSIGNED TO.  

IF they are USING ILLEGAL TACTICS - - YOU MUST REPORT IT TO THE LOAN PROVIDER. and pay them directly and not the collection agency.

READ DEALING WITH DEBT COLLECTORS, RECORDING CALLS  AND STATUTE OF LIMITATIONS BY STATE
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/First.htm
    
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

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
NCO=El Diablo
NCO=El Diablo
2010-03-31 13:50:09
Debt Collector
I have received calls fro this number and many different ones that all trace back to NCO. The only time I got a person, she hung up on me, then called back and was surprised when I knew who it was. AES has told me that I am current and will receive no further calls from them, but NCO is ruthless. I have just given up answering unknown numbers.
ticked
ticked
2010-02-23 21:43:58
Unknown
they called my phone 12 times since 7am. and it is now 3pm! i am only a couple of days past due!
Fed Up
Fed Up
2010-01-19 01:49:03
Debt Collector
This number is NCO Group. They are a collection agency for American Education Services. I was delinquent on my student loans a few months ago but since then have been current. It does not matter if you answer or not they will call you at least 5 times a day. I've been told repeatedly that they will take my number out of the system and discontinue the phone calls but they keep calling! I even spoke to a supervisor and still receive the calls. I don't know how to make them stop... I am filing a complaint with BBB and will give them two more weeks and then pressing charges for harassment.
hjeanc
hjeanc
2009-11-27 18:28:19
Unknown
Yes, I don't even answer the phone anymore because the collection agency for AES calls like 20 times per day if you are even a couple of days past due. They use random numbers and don't leave a message. I am only looking this up today because not only do they call 7 days a week several times per day from 8 am to 8 pm  but they just called me on black Friday and I didn't think they would be at it today.... ridiculous. Don't answer.
mp3
mp3
2009-11-12 15:00:11
Debt Collector
this is a student loan collection agency. as Mark has stated twice...
pax
pax
2009-10-14 15:26:25
Unknown
I'm pretty sure this number is affiliated with Citibank or Chase. I'm not sure if its them or a 3rd party they contract out to though.
Lene
Lene
2009-07-26 03:11:09
Unknown
I keep getting calls from this number and various others ......... so far they have been from 5 different area codes.......in regards to Student Loans for college that haven't even come due yet!!!!!!
Mark
Mark
2009-05-02 04:07:33
Unknown
If you have a Student Loan that is past due, this preditory group has your number ... and they are looking for when you are going to pay and any additional informaiton you will provide - which would NOT be a good thing to provide.
trojan23
trojan23
2009-04-30 17:24:42
Unknown
they have called 2 times without leaving a message within 2 hours...what is it???
called me
called me
2009-04-30 16:22:29
Unknown
WAT IS THIS
calledme
calledme
2009-04-30 16:12:34
Unknown
Also got a call from this number. They called at 8:37 AM (ET) today and didn't leave a message.
gotcalled
gotcalled
2009-04-24 17:58:14
Unknown
Got a call from 410-202-0064. They didn't leave a message. Called back and got a computer asking me to hold for the next available operator, but it didn't identify the company.
1-949-286-3311 1-720-229-0328 1-800-710-1309
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