NCO

These creeps are hounding me about a BOA account. I keep telling them that I am making pmts to the original creditor and they still keep calling. Any suggestions??

I don't know what to tell you Nat. I called these guys today when I got the letter and told them that I was resubmitting it to my insurance companies, because according to NCO debt verification it was never submitted to begin with. She said I couldn't do that, I contacted both insurance companies and they said I MOST CERTAINATLY CAN! Last laugh is on NCO, because they won't see a dime.

They won't see a dime of my money, b/c my pmts are going straight to BOA.. :lol:

I've had medical accounts go to NCO too, and I had about 10 reports from them on my credit report when I filed Chapter 13 last year. It didn't matter that I was paying on the bills every month (even if it was a small amount that I was paying), the bills still went to NCO. They never called me, but they spent a fortune in postage sending me notices.

I don't get alot of letters, just the 8 am calls on Saturday morning... :x

I had a bill for seven dollars that was turned over to them. They have wasted almost that amount on postage. LOL The seven dollars was covered by my insurance. KYSIDE38

These people spend money to buy a debt which is covered by insurance and waste more money on paper and postage, how are they still in business?

I don't know because they were trying to collect on a small medical bill of mine that was paid by my insurance company to the original creditor. I sent them a cease and desist letter and I haven't heard from them since. I haven't read good things about this company.

I recently sent a DV letter to NCO which they received on 22 Jan. I haven't received the letter and the computer generated calls have ceased. I may send a follow up request to further cover my butt. At any rate, I suspect someone at NCO has marked the account as "unable to collect" and another CA at some point will contact me. It was a REALLY GOOD letter I sent them.

why to go fjv4!



*chuckle*

NCO IS CALLING HERE TODAY to collect a bill already paid to bank america and i received a statement here
for this payment in 2-9-07and next payment is3-11-2007 .bank america is charging my husband every month for this account and told nco harassing my husband for more money.they want 2 payments a month.credit report of my husband said he is not paying it.
i told the nco lady to stop to call here because my husband is paying bank america and i really want they take my husband to the court.i'm waiting because
this time go to be different.

I saw the post from fjv4. What is a DV Letter?

http://www.whocalled.us/lookup/8882318186

18773948289
I told the truth about debt consolidation care members.
I own them the life of my blind mentally ill husband.
I was looking all papers i have here of bad collection
Agencies.i was looking for risk management alternatives,inc that harassed my husband either
For an account only in my name tania alvarez.
Nco own risk management alternatives,inc now.
Http://www.whocalled.us/lookup/8773948289

yip. u did the right thing by submitting it with ur insurance, just be sure to get a copy of the insurance payment or receipt (i trained in the medical collections department, they often make errors over @ insurance companies with small bills,)

medical bills are so sensitive to them that they have to be polite when handling them, however, i think the office in Barbados has the best response for it, since we were always under so much scrutiny from all the other offices... but i can't remember the dang number now - if u want a transfer call 1-800-445-4918 have an agent transfer u to one of the extensions in MEDCLEAR...

MORE IN THIS FORUM.

http://www.debtconsolidationcare.com/forums/midland-credit-9.html

Nco call my house today and my husband refuses
To speak to nco.he told me he is paying only
Bank america every month and my husband fear nco
People.nco call from telephone 18668896745.

My husband told nco collector many things.the
Man told he wants 84,00 today.my husband
Told nco debt collector he will pay bank
America in the right day.
He told nco collector to stop to harassed
And stalking him.
What happening with bank america ?i gave them
500,00 (2 payments of 250,00)and was never credited to my account.my husband was angry.

NCO has called me today but i have never owed anyone anything period only late two times since i started working in 8th grade in the mid 70's. this has me in a panic because i always pay my bills

David

David,send the letter in my signature to them certified mail return receipt to validate their alleged claim.

Tania, however you made the payment to Bank of America, you would have proof to back you up. If by check, you'd have your cashed check. If it was by money order, you have a receipt for that. On a credit card, you should be able to get a printout. Contact BOA and tell them how it was paid and that you want it credited to your account. Good luck.

Thanks dbaker6 and if was with me was good because
I'm a good payer but if anybody stealing my money
i will go to their banks to ask
For my money and i will take with me all my proofs.
The problem with my husband is that he is mentally ill, blind and he speaks fluent english and had told them already about the 500,00 that disappeared and never was credited to his balance of his credit card with boa.bank america bad employees told my poor husband that they fix the problem already but i know how they fix these money we lost.like every time i know where the money goes and never return or pay the bills we need to pay here. I go to research all papers here because i told my husband he have to give a complaint about these 500,00.people bad knows everything about him.if my husband goes to bankruptcy was better for him.he had overpaid already this accounts and he had been robbed already from many bad debt collectors(ltd 77074,nfs,great lakes,osi, nfs ,nco ,academy,etc...)And from banks like citibank.capitalone,aspire,bank america,household,chase,etc...citibank was the worst one.citibank until today take illegal money from my husband.citibank is protecting by occ,attorney from florida because is a big bank and citibank took many times my husband's money and i have proofs of it and government saw this papers and they didnt care.bank america is a gold digger either.
I think the consumers need to came and complaint
About these white collar crimes.
I think these bad debt collectors abused and robed many people but they dont do nothing against them because people have fear to lose their homes and go to live in the streets and many good people had been harassed constantly for this bad debt collectors from collection agencies and banks.
I think these forum of debt consolidation care is
Doing what government is not doing for consumers.
My husband had already payed bank america this month of may 2007 .he is a very honest and he went may 9 of 2007 to the bank america and he give 84,00 for his credit card of bank america.
A gillette paul lawyer call yesterday here.
Maybe nco ,bank america wants to take my husband
To the court.i think nco is like academy collection
Agency because maybe they want all our possessions
Either.i'm very afraid of these people.i really need
Help with my husband here.i'm in panic with some bad lawyers either.nco is a collection agency with very smart collectors like academy.the lawyers that work for these bad collection agencies never ask questions to nco or
Academy because they know too much about every consumer's life.i'm not against any debt collector
Good and i really agree everybody have to pay their bills.
I'm against some bad debt collectors and some bad employees that harassed people like devils ,charge wrong debtors and take the money people is paying them for pay illegal fees to them.
These people are the new mafia of usa.i'm sure they
Are killers because many people had to take their
Lives because these bad debt collectors.

thanks steelers1,dbaker6,Cajunbuldog.
THANKS FOR HELP US ALWAYS WITH YOUR GREAT AND VERY USEFUL ADVISES.
I LOVE VERY MUCH THE GREAT MEMBERS OF THIS FORUM!!!

I had a gas utility bill which was turned over to NCO last year (even as I continued to make payments to the original creditor). I didn't answer any of their calls, which continued for weeks...even after the OC was paid off.

Jerks.

NCO COLLECTORS CALL WITH THIS TELEPHONE 18662872543 AT
1;43PM IN MIAMI AND NOBODY SAY NOTHING.
18662872543NCO PHONE NUMBERS HAVE MANY COMPLAINTS IN WHO CALLED US.

well after i refused to give them my info over the phone because they refused to send me the info of what i had to "Pay" i hung up on them. Any creditor who doesn't speak english, yells at you, and won't send you a paper copy doesnt deserve any of my time

Nco illegal tactics and illegal information to credit bureaus need to stop.
I cannot believe that nco have a bill with my husband of 84,00.liars!!!Imagine bank america is received the money every month and i go to send copies of my husband's payments to transunion credit bureau.
I just received a credit report of my husband that is blind and he cannot see nco big lie.
Pob 7216
Philadelphia,pa 19101
18007098625
Nco loan type;collection agency attorney
Remarks place for collection
Date placed for collection 10-2006
Estimated item to be removed 8-12-2012
Balance 84,00.
Original creditor;bank america operations nsc
Past due is 84,00
Pay status:collection agency
Account type:open account
Responsibility:individual.
I have all payments here and the truth is the truth:
These people want payment that is payed to bank america and my husband never lost a month.nco bad debt collectors and bank america bad employees go to have more war now.
Fraud nco is telling lies to credit bureau.
I need a break!!!@
Where is mister old school collector for see these bogus collection from nco???!!!Maybe nco needs a payment because the payment of 10-2006 paid already to bank america needs to be paid again to nco fraud.a

I REPORT THESE PEOPLE FROM NCO FRAUD TO WHO CALLED US.
http://www.whocalled.us/lookup/8007098625

I found a site "damnum absque injuria"that people have many complaints about nco.
About nco and bank america have a long story there.
The man told if you received a call from nco to call
These number 18003943194 from nco is better
call police and ftc.
I put these number in who called us either.
Please read it please:
Http://xrlq.com/2006/05/04/fraud-alert-nco-financial-systems/

Thank you for posting that information Tania, it will definately help others! :D

FREDERICK HANNA IS A BAD LAWYER BECAUSE HE HELP NCO
RIP OFF PEOPLE.
11.936,36 FRAUDULENT BILLING.
NCO FINANCIAL SYSTEMS
1655 ENTERPRISE WAY
MARIETTA,GEORGIA,30067
770-9889055
FAX 7709800528

http://www.ripoffreport.com/reports/0/096/ripoff0096833.htm

NCO IS CALLING AGAIN AND DONT SAY NOTHING.
I DONT KNOW WHY THEY ARE CALLING
HERE BECAUSE MY HUSBAND HAVE NO
BUSINESS WITH THEM AND HE IS PAYING
BANK AMERICA AND NCO FRAUD IS REPORTING
LIES IN THE CREDIT REPORT OF MY HUSBAND.
I TOLD PEOPLE TO CAME HERE TO
debt consolidation CARE TO GIVE THEIR
COMPLAINTS.

http://800notes.com/Phone.aspx/1-866-287-2543/2#pdzjOLLEofABySAjJgOB0VA

I DONT GO TO USE 800 NOTES MORE
BECAUSE THEY DELETED MY MESSAGES
AND WHO CALLED US IS A BETTER
SITE AND BECAUSE IT I GO TO USE
ONLY WHO CALLED US.
I THINK THIS IS VERY INTERESTING
ABOUT NCO.

ethannonsequitur.com/nco-financial-systems.html

Their toll free number is 800-220-2274. They were looking for someone who had the same last name as me. They promised to remove me from the list!

debt validation

debt validation for what Cdubya?

Here is something useful when dealing with Nco.They were fined by the Ftc in 2004 for 1.5 million dollars.Now for the fun part.Per their settlement they are locked in on a five year consent decree with the Ftc.Here is the link.

http://www.ftc.gov/os/caselist/9923012/9923012.shtm

Now this means that the Ftc will pay attention to complaints filed about Nco regarding collection and especially credit reporting.

They been calling my house for a week now..I dont own anyone any money .. especialy not some backhanded collection agency. I just went thru a State dept. backround check and I passed.. You`d think they would check and see they have the wrong number? Does anyone know the physical address to these people ? i like to send them a letter :)

Nco dirty game is here.
I went out a minute and nco told my husband to give them a check for august and my husband gave a 84,00 to them and they send a letter here they go to put a check in
This month july 29-2007.you dont own to them.my husband is paying bank america.
I told my husband to give a stop in this check.
I have a statement here from bank america of a payment in 7-17-2007 of a 83,00 dollars.the new
Payment is only 8-11-2007.
Nco wrote in spanish :ponga nuestro numero de cuenta interno m19180.

Their number of intern account is "mi19180.

Nco is telling lies to credit bureaus and consumers
Dont know nothing about this debts in their credits reports.this is about report abuse.
I found this in yahoo.

Http://answers.yahoo.com/question/index?qid=20070623234843aafd3ic

I guess they still haven't learned after the Pennsylvania AG sued them and got one of the largest judgments ever for a collector.

Nco is really a bad debt collection and they told
My husband bank america sold his account of credit card to them and now is a overdraft of 25,63 that became 84,00 because their fee.(58.06)the date of this overdraft is a lie because i checked the date and my husband paid all the overdrafts and fees already.if he own nco this bill is because is a fake bill and they are lying.
My husband closed his checking account in bank
America and his last statement have a balance of 14,95 in 2006.
I asked my husband if nco took the 84,00 already.
He told me yes and he told me he was robbed already.
I think that a very bad collector is never a good
Professional.
A bad collection agency nco have many complaints here and people are asking from government help for consumers,(justice)please read this:

vaughns-1-pagers.com/economics/bad-collection-agencies.htm#congress-action

I found here.

I'm so angry with nco that i have to tell people about nco.nco took a 84,00 from a social security disability of my husband because nco told my husband was a overdraft in the checking account of my husband of 25,63 that became 84,00 with all nco fees.
I dold my husband nco was lying because my husband have paid all illegal overdrafts of bank america
And he close his account with boa(bank america).
Nco put this debit in his credit report and harassed and send letters here telling they go to deposit
The check of my husband before the date my husband gave a check to them.
Now arm(accounts receivable management,inc(1800-2203350)called 2 times my house
Yesterday from new jersey and we live in miami for 11 years and they send again the same dirty letter nco send here because they know that some government
People didnt care about consumers and they are
Helping them to stealing and harassed consumers either.
They dont want you call them thieves and i'm not calling all debt collectors thieves.
"i know debt collectors that are very nice people."

I just told many things nco is doing in who called us?1866-287-2543 nco phone number.
Who called us didnt care about my english and they publish all my posts either.
I told about debt consolidation care forum members and always i'll tell about debt consolidation care members.
Thanks again debt consolidation care members for
Give me help and help my husband all the time.
I didnt deserved to be a debt samaritan in this forum with so many people better than me here.people
Wonderful,with a incomparable english and a lot of skills and a lot of knowledge in debit and more than it. I'm a small potato but i have a good heart and i only tell the truth about this forum and because my sincerity and heart i'm here today with "my family forum" like bossy karen says always in this forum and i really need to "tell the world the truth" like Vikas always says in this forum and i need to bring good people to get help in this forum.
We are not alone in this world because we have
God,our families and debt consolidation care forum great members.if you think you are alone in this world and you are a wonderful person you have a place in this "forum family" with us.
I want more people came here and get help like me,my husband and many others like us.

Tania, You do deserve to be a debt samaritan. You are smart and offer a lot of good help. We all respect you here. I hope all is ok with your husband

well after i refused to give them my info over the phone because they refused to send me the info of what i had to "Pay" i hung up on them. Any creditor who doesn't speak english, yells at you, and won't send you a paper copy doesnt deserve any of my time

Nco fraudulent game.
Be aware of nco because they can confuse
You like they confuse me and my husband
To steal money from you.
The first time they call here(nco)they
Told my husband bank america sold my husband's credit card account to them.
My husband told them he was paying 75,27
Every month to bank america and they say they want
84,00.nco people told him if my husband paid 84,00
Dollars to them was easy they make disappeared
4000,00 in his credit card in bank america.
Nco put in the credit reporter of my husband a 84,00
Of debit that my husband refused to pay them
Because he was paing bank america credit card
A 75,27 and he never lost a payment.
My husband credit report(5-31-2007)
Balance 84,00
Original amount is 84,00
Original creditor is bank america operations ns c
If is overdraft of 25,00 that became 84,00 and i
Have a checking account of my husband that was closed after we paid all false overdrafts and
This account have 14,99 of balance.
Now arm(account receivables management is calling
Here for the same overdraft that nco collect
Last july or august,2007 for an overdraft that never exists.
I hope you understand my english because i'm
Trying to help innocent and good people in this
Wonderful forum and i'm telling the truth.

The problem here is that they are thieves and i
Dont forgive them for tell lies to a blind mentally ill person.i cannot handle his accounts because thinks he is ok.
I know my husband and i know his heart and his sincerity.
I have to protect my husband because he believe he is ok and i cannot tell him he is not ok.but i can protect him without he think i'm protecting him.

I understand you perfectly Tania! Tha's how I do with my son that is on disability!

Have NCO send you a PIF letter for that, if they will! If not, you can always dispute with the credit reporting agencies, and send them a copy of fraudulent overdraft charges, and where you paid NCO..Take Care..Karen :sun:

Hope this helps..
first, when NCO calls and says you owe the money, you have 2 choices really, fax them proof the bill was paid. Or in your case call the insurance, ask for the ELIGIABILTY Letter (or have them fax it t NCO)you will want to give the ins. the date of serv. etc. If insurance is going to pay,you need them to mail the cheque to you, you forward to NCO.
If the insurance will not so this, it will delay process on your part. They of course will insist mailing it to the doctors. Depending where you are in collections it does matter. If NCO owns this and ins. pay the doctors it takes foreveer to get the accnt closed, so you really want to insist that the ins. mail it to you. Its your cred not theirs...
It doesnt do any good telling NCO that you have ins. or that you never heard of this bill. They hear it all, they want the debt paid and the accnt closed.
you have to do the leg work!!

Remember its not the person at NCO that put the file their...It was the doctors, they hire NCO to do their collections. NCO is not the bad guy here...
Always make sure paper woek is correct when going to the emergency room. If you cant do it that day of service...follow up.....make sure everything in in order. Be frm when calling the billing people, its your credit..
Good luck!!