NCO Financial Systems

This company is calling me repeatedly looking for an "Angela **" or an Angela ** (I don't know how to spell the last name they are looking for). I have told them repeatedly "There is no Angela ** at this number nor do I know her!" They keep calling from different numbers and sometimes even private numbers that don't come up on my caller ID.

I have a minute phone they are calling and using up my minutes that I really need. I suspect that this Angela must have had my number before I got it. But after I had told them that this person is not at this number, they should have stopped calling. But they still continue. This has got me "very ticked off". When contacting me back, please try sending me an email first. My phone minutes are very limited and I have to wait till the 17th till I get my next allotment of time. Thank you.

I asked to speak with someone regarding the double debit against my bank account for a monthly payment to pay off a credit card account. I was told that it was being processed but as it turns out, NCO doesn't credit bank account immediately and drafts a check which is sent to the individual. I wasn't given this information or the option to have a credit applied until it was already processed.

To be fair, the customer service representative was helpful, except for not giving me these details. It was her supervisor, whom I talked with on the third call, that had an attitude. Her response to my asking how their mistake didn't happen again was to say that "she could erase the monthly check set up, and I could be responsible for the payment on my own".

I obviously have a strained budget, or I wouldn't be on a payment plan. Now, I have to wait as long as 5-7 days for the check they're sending to arrive and be deposited in my account. This was their mistake. They should credit my bank account as soon as they are made aware of it.

Awful experience! Help! I have received a notice from NCO Financial that I owe a bill to Sprint CLEC. I do not use Sprint phone service and have no idea about this bill. I found on the web a site that claims NCO Financial collects fake bills for a fake company called Sprint CLEC. Can you guide me in any way here? Thanks.

It was a TERRIBLE and INFURIATING experience.

I received a "bill" from NCO Financial Systems, Inc. The bill says, I owe $20.97 for services provided by Sprint CLEC. I do not use Sprint, and never heard of Sprint CLEC. I do not owe this money.

I phoned the NCO financial office in Colorado, the one recommended by the bill (1-866-687-1769). I was put through a labyrinth and a gauntlet of transfers. One of the people (whose name was garbled) asked me for my social security number, which I stupidly gave, before I realized my instincts said something was REALLY wrong.

I searched the web, and found a page that says, "NCO Financial Systems, Inc. collects fake bills from a fake company Spring CLEC."

Harassing calls about debt that has not been verified. Ernastine threatened a legal suit if I don't give her $2000 by credit card or bank account number. She spoke in a fast and harassing way, telling me I have to give her this money right away or face legal reprisals. When I confronted her on not working under fair credit collecting, she hung up on me.

They repeatedly leave messages on my voicemail saying that I owe money. Their other number is 866-429-3592. Their parent company is NCO Financial Systems, Inc. (Phone: (215) 441-3000). The address: 507 Prudential Road, Horsham, PA 19044 / email: **. They have many addresses throughout the country.

I have contacted this company several times by e-mail, phone and in writing to receive my credit statements. Every time I call, there is a different address on my statements. I do not live in Chicago or Texas or where ever else they keep sending my credit statements to besides me. I want an investigation. Because of this, I have been going through identity theft. I have already contacted other officials. Thank you for your cooperation. I want my mail; it is in my name and should not be going to other people. I do not have any partners or husbands; no one has the right to request my credit information or change the address but the rightful owner which is me.

I received a call two days ago at home from NCO Financial with no prior letter or form of contact saying I owed $1800.00 because of an overdraft I had in an RBC bank account. At first they were nice and made arrangements with me to pay by May 15th, when I get paid next, a settlement of $1400. I was okay with this and they said I would need to put a $100 down to hold this arrangement. Thought this is what was to happen. Then I get a call back asking for my work info which I gave to them.

After receiving my work info they changed the arrangements and said that I have until the 30th to pay the full amount. I told them I probably could not do this but said I would try to get a $100 in the next few days so they at least know I am paying something in good faith. Then they called back yesterday and said that they cannot wait until the end of the month and it has to be paid immediately. I told them I was unable to do this and they said they would then garnish my wages since they had my work info because they conned me into it. The lady was yelling and me telling me I had to pay and I had no choice. I told her I couldn't pay right now and she said she will then garnish my wages. Then they called me at work when I specifically asked them not to because I talk to them every night and have not ignored them at all!

For the last two days they have yelled and screamed at me like I am a piece of dirt and I will not take this from anyone. They first made arrangements which I would have paid, swear by it 100% and then they changed it 3 times. Now I don't even want to deal with them because they raise their voices and talk to me very rudely. I called someone there to figure things out and talked to a different person because I didn't want to deal with the lady because she was very disrespectful to me. I have deposited $100 into the account with them because I told them I would, but now they are changing everything around on me. I just want what is fair and I understand I owe money, for awhile now, but I did what they asked me to do and now it keeps changing. And I am being treated with disrespect and it really hurts me.

So I don't know how I am to make arrangements when they can't even have a conversation with me because they end up yelling and screaming at me. I would like to pay by May 15th the most I can but I don't know where to go from here. They said when I called them today that they took it from the bank and are giving it back now so that they can press charges against me. But they have not stuck with an arrangement so I don't really understand what is going on. I don't know how to pay my debt because they can't make an arrangement and stick with it. It keeps changing and they are being unfair to what arrangements I can make.

Good day. Be advised that I received NCO's letter from Ms. W., compliance supervisor, and have spoken with Patti B. on April 8, 2010 regarding my dispute and discrepancy of reporting this matter to the credit bureau. NCO has violated my consumer rights by way of disregarding my initial contact on March 1, 2010 concerning my payment arrangement with a male representative who appeared to be disconnected from the conversation. Moreover, I telephoned NCO again on March 17, 2010 to inquire about receiving confirmation and instructions on their online payment website.

As a result, my payment arrangements received a negative response from Ms. A., another representative. For this reason, I filed a complaint with BBB and while waiting for a response from the agency, I decided to further contact NCO by telephone on March 26, 2010 and expressed my concerns and complaint to Mr. D. In the end, he accepted and confirmed my payments arrangement.

Later on in the week, I received BBB's letter attached to NCO's letter and contacted Patti B. on April 8, 2010, who thereby stated that my account was reported to the credit bureau on March 28, 2010. This is in violation of my consumer rights as I have exercised the proper communication on March 1, 2010 and throughout the entire month but received no reciprocation of communal response from NCO. I am very displeased with how my communications from the beginning and throughout the end of March 2010 was handled. My requests and contacts were totally disregarded and negated. It was unfortunate; their representatives did not exercise proper protocol and Ms. B. didn't appear to be cooperative herself but was adamant about not removing the negative reporting.

At heart, I exercised my rights within the thirty-day parameter; nonetheless, NCO reacted irresponsibly during my thirty days of communicating with each representative. In brief, I reject NCO's response, for the company has violated my consumer rights and believe this reporting of bad business practice was performed intentionally. NCO negated my three telephone calls and they reported this matter to the credit bureau agency within twenty six days of responsive communication.

i had a preauthorized check in the amount of $125.00 each month as well as a check for $8.00. On oct. 30 nco debited the check twice causing my account to be negitive and have two insufficient funds charges of $33 each. i have spoke with nco several times and sent in all of the necessary paperwork. now they tell me i have to send it in again. my account is overdrawn and i am out almost $190. i am on a tight budget and i need the money back

I informed Ed J at the above referenced number that he was calling me at work and I was unable to take the call. I attempted to give ny cell number and was informed he would just keep calling me at the work number. He told me I was to get out my checkbook and pay him. He contined to call and harass me at work after hanging up on him.

Called back, husband spoke with rep and asked for supervisor. Took him talking to her for about 2 minutes before I got on the phone and demanded to speak with someone else. The man was rude and spoke over me. I tired to explain that on his rep was very rude and he wanted to talk about how he could not discuss why he was calling. Would not let me explain what happened. I have read many complaints from others on the net. This company needs stopped!

I paid this creditor $324.84 for this debt 1/31/09. This is still reflected on my credit report for original debt before disputed and paid creditor. Do not want this on report. Do not owe this amout to anyone! Did they just make this up? When and why are they doing this? Please ask them to take this off my report.

Again another collection firm to clear up my checking account with Bank of America which I have done and still have not received any paid receipts from NCO or Bank of America as they have promised to do.

A brief preface if i may: my capitol one cc account was given to nco for collection ( i lost my job). I gave them my debit card number over the phone to take out $100.00. The debit being #750.00. They withdrew two payments of 100.00 intesionally and without my permission. this in turn depleted my account and when the electric company drafted my bill from thee same accoun, the check was returned a my power was turned off. i went without electricity for four days, missed two job interviews and was of course ver inconvienienced to say the lease

this company is trying to collect a debt from someone named alice. they keep calling my number and leaving messages on my answering machine. if i'm home and answer the phone, all i hear is a recorded message. i've called the number they leave, and tried to tell them they have the wrong number. they always tell me they will take my number off their list. then they start calling me again!

i tried to get somebody's name, but they won't give me a name. i'm not sure of the company name, because it's hard to understand this person! it's either nco financial, mco financial, or anco financial. the last time i talked to someone, i told them again that they had a wrong number, i told them that i've had this number for five years, and his comment to me was that someone named alice must have had it six years ago, and then he hung up on me! how can i stop these harrassing calls????

I paid a Sprint PCS phone bill on may 3, 2008. On December 12, 2008 I decided to check my credit report and I see that it states that I have a past due balance of $182.00. However, I payed to them and I have a letter stating that by overdue balance has been paid for in full. I have called back numerous of times and I keep getting put on hold and given the run around. I want my credit score and the credit report to be update with this balance that I have paid for since May 3, 2008.

Cannot finance a car because of it. Credit score has not increased because of this company; therefore, not allowing me to finance a car for me and my family.

I received a debt collection notice (for a cell phone bill from Airtouch Communication) and I have never owned a cell phone in my name. I told them this was not me, but they won't give me any information. What should I do? I know its not mine.

Nothing yet, but it will go onto my credit report which could hurt me.

They robo dialed my cell phone and when i spoke to someone they didn't identify themselves. They just said Hello. I asked them to send physical mail regarding the issue and they threatened to call my number more. They told me they had every legal right to robo dial a cell phone and they would continue to do it because i owe them money. The rep hung up the phone on me.

I called back and asked for a supervisor and she tried to trick me into giving up personal information. I refuse to give any personal information to a strange company i've never heard of. I told the supervisor several times I will not give out my personal information. she starts getting defensive and starts trying to trick me into doing so by calling me by my name. I finally hung up and filed a report with the FTC due to the laws they broke.

harassment

I Was sent a letter on 6/24 requesting payment within 30 days (to a previous address) to avoid being sent to the credit bureaus. The bank shows they received payment on 7/18, clearly within the 30 days. NCO Sent it to the credit bereaus anyway. The above phone number is a message machine that nobody returns calls from.

For the past 10 days, this company has called us up to 3 times per day regarding collections on a past due account-capital one. I have made it very clear to them in their past phone calls, that we have no funds to start making a payment towards paying off this account--they are calling, hanging up, or not saying anything several times per day---THIS IS ILLEGAL----THEY ARE HARARSSING US. We intend to pay-off the credit card but cannot do so right away AND REFUSE TO BE HARASSED LIKE THIS. They are calling our only telephone line numerous times per day taking up our phone line with their prank calls we are missing calls from our customers as a result.

The primary purpose of this dispute is notification was sent to the FDNY upon receipt of the EMS bill. A copy of the insurance card was inserted into the return envelope along with the actual bill. This was done in 2004 of the same year. After receiving no further correspondence in the last four years concerning this matter, the bill was thought to have been settled. I petition the dispute resolution department to ascertain why the FDNY fail to follow up on submitting the bill to the insurance company for payment.

Turning over this bill to a collection agency for payment lacks fundamental fairness since the FDNY failed to seek payment from my insurance company. In my defense, I made an inquiry with the insurance company and found that FDNY never submitted a claim for payment. I dispute this settlement bill based on the fundamental and essential failure of FDNY to follow through in a timely manner. This would have allowed me the consumer the right to an appeal with the insurance company. Had in fact the insurance company did receive the bill from FDNY, processed it, and denied the claim. I the consumer would have followed up myself, to insure this was addressed through channels.

The evidence is clear that the FDNY failed this consumer by depriving me of fundamental fairness. The unreasonableness of this request for a settlement is unjustifiable since the FDNY fail to communicate with the consumer and the insured for the past four years. Therefore I argue that the obligatory responsibility belongs to FDNY as to why they have not received payment since 2004. This agency stated that I could dispute this notice given to my daughter who was a minior at the time and has responded to concerning this dispute. Threats of sending this note to collection was given to my daughter. This compnay is licensed by the Department of Consumer Affairs of the City of New York, License # 0907469.

My Complaint is that I did submit my childs insurance card at the time of receiving an EMS bill. This selling of the note to a collections agency some four years later took me by surprise especially since the insuranace company never received a claim requesting payment. The damage is that the FDNY sold a note that they themselves made no effort to seek payment for the insurance company. NCO threatens to report this debt to my daughter credit report. She is a college graduate who is going on to pursue graduated studies. This will hurt her credit rating a effect her student loan status. This is of grave concern to both me and daughter.

Can this be addressed by the FDNY showing proof that they tried to retreve payment from my insurance company. That way the insurance company would resubmit the claim for payment. Only if FDNY has proof that a request for payment was made. All the other medical bills concerning this accident was paid by the insurance company. Above is the dispute letter I submitted to NCO Financial asking that they review my dispute.

I had an ATT wireless account which was placed with NCO/ FIN22 acct# for collection for the amount of $127. By the time I found out about this account the balance had gone up to $180+ and the account was transferred to a related collection agency called NCC. I was given the information needed to clear the account and that is just what I did. Even though I paid this account in it's etirety, it appears on my credit report as settled. The collection agency refuses to change the status of the account to paid in full.

I have gone back and forth with both NCC who does admit that the account was paid in full and NCO who also admits that they received a payment on my account equivilant to the balance which was due, but are unable to change how it appears on my report. NCO has been a very unprofessional company who refuses to follow up on the status of their own account, and report truthful information to credit bureaus. Not only have they not corrected my account status, but they have also left the original creditor of the account which they now own on my report and that one reflects as not paid all together.

Aside from the fact that this information is reflected twice on my credit report, one as settled and one as unpaid, it has of course brought my credit report score lower than it should be. I am also a current customer of ATT wireless, I am not able make any additions or upgrades which I would normally be entitled to due to this lingering misrepresented debt. NCO Hasn't even informed the original creditor (ATT wireless) of payment of this account and has failed to supply me with a letter stating the account has been paid in full and closed.

We have received NUMEROUS collection letters from NCO Financial stating we owe money for various past-due accounts. This company is so full of it!! They have sent us letters about accounts that have already been paid or, worse yet, have never even been in our names! We received bill, addressed to my husband, from them for almost $8,000 from a "student loan" in default. OK, well, my younger kids were still in high school, my oldest worked full time & neither myself or husband were in school, so..who was this "mystery student"???

I told them they were full of it & they said they showed a record of our last payment to the student loan company last year. WHAT?? I called the loan company, of course, they had never heard of us, had no record of our names, never had us as loan applicants, no less loan holders. When I told this to NCO, they said they would check into it & get back to me. They did a month later, with another BILL!!! This company is as crooked as the day is long.

I was sent a contract to pay an amount of $1509.19. I paid with check by phone from two different account to which they billed me an $8 fee to both account. That fee was not stated in the contract nor was it explained to me.

My mother is age 95 bedridden. calls are coming from this collection company all day. My Mom doesn't have bills and is ill. I returned the call(daughter). They were rude, aggressive and they gave me a name of May something which we do not know or are aware of. How they got the phone number I do not know. I want them to stop harrasing my Mom.

company requesting a payment for $290.00, I don not owe this company any money. There is another Kathy Robinson and for several years she has been using my identity to acquire credit.

This person does not pay her bills and
she moves frequently to avoid prosecution. I have talked to many of her creditors to explain the situation, but it does not seem to help because the companies just sell the debt to another company and it starts all over again. I have an excellent credit rating and I have lived in a house for 35 years, so it should be easy to separate me from this woman. Also she

I just discovered that someone has used my ssn # to file their taxes out of state.

I keep getting a phone call asking me to return a call at 1-877-847-0092. I got tired of them calling everyday, so I called back and talked to someone;and they started asking me my name and telephone number. I told them I'm not giving it to them because obviously they HAVE it already. I just want them to stop calling. She said she can't do that.

Need to stop calling and harassing me at my home, If it is a debt collector, they need to more business-like and call and talk to me like a man, not put me through phone operators and ask stupid questions!

I recently received a notice from this company trying to collect a debt that was discharged by bankruptcy in 1993. The account number they use in their notice does not match any account that appears in my bankruptcy paperwork; however, the amount does match a credit card account that was discharged in the bankruptcy. What should I do if they call or send certified mail? I do not want this debt to become reactivated.

I received notice in the mail that I had an old sbc account that was three years old still outstanding with a balance of 616.95. Stated within the notice was that I could settle the account by paying a percentage of the total. I called NCO throughout the month to settle and was repeatedly refered to other telephone numbers, and various other associates, all of whom I contacted, none of which resulted in any resolution. Finally on 12/6 I got a hold of Manager Biren who flagrantly refused to honor the notice even when I told him I wanted to make a payment. He reminded me in absolute distaste that this would continue to take points off of my credit score and that there was nothing I could do about it.

This collection agency is trying to collect with out any proof and will not give me any information.

They want me to pay $484.66

My account was turned over to NCO Financial Systems from American Express as a result of missed payments. I set up a payment plan with an agent who identified himself as Jai (pronounced "jay")of $250 each month starting in August of 2006. I made payments on those accounts for 3 consecutive months and again received a phone call from Jai in November. He asked if I wanted to continue that plan we had first set up or if I would like to go ahead and pay it in full. I agreed to pay the remaining balance of $1369.68. I asked him if this was the only balance left and he said yes. That if I paid this, my account would be "paid in full" and he would request American Express for an Optima Card for me. I just wanted to note that I didn't receive any statements from this company ever since.

I didn't hear anything from this company until I received a message on March 14, 2007 of this year stating that I again need to pay. Tamush was the agent who left a message. I spoke with Tamush on March 20, 2007 at 9:22am and he stated that I had a balance of approximately $100 dollars left. I told him that it couldn't be because I had already paid this account off in full. He said that I should have been receiving statements from them which I never got and told him the only statement's I've been receiving were from American Express. There is a balance on the American Express statements but in a box it states that "THIS STATEMENT IS FOR INFORMATION PURPOSES ONLY. THIS IS NOT A BILL". I asked to speak with Jai since he's the one who set up that payment in full, but was told that he was no longer working for their company. He asked what I wanted to do so I said if I could dispute and he said yes.

Asked him if I needed to write a letter myself and Tamush said No, that he would make a letter to American Express stating that I am disputing because I had already arranged to pay the balance of in full which showed in their system that I did arrange with Jai. A few weeks after this, I receive a new phone call from Nationwide Credit with their client being American Express and I again said that I would dispute. The Nationwide Credit agent gave me an address to write to for the dispute and told me to send any documents there. On April 10, 2007 I spoke with Angelo requesting a copy of that dispute letter that Tamush said he would forward to Amex. I am requesting for a copy because in it, Tamush said that it would show that I did set up to pay in full and I did pay. Angelo said ok and to wait a few weeks for it. I did and nothing came. I finally called them again on April 27, 2007 between 2:20pm -3:00 to see if Angelo had indeed sent a copy to my address. The manager at that time identified himself as Sai and told me that they cannot provide me with any copy of any statements or letters sent regarding my account since they sent it back to American Express already.

I now have no proof whatsoever of the amounts I did pay because it was all done over the phone and I have no paper trail except from my bank statements showing the amount I paid them for the $250 I paid for three months and the $1369.68. It doesn't make sense to pay this exact amount only to leave some left over. Why didn't they send me any statements saying I had anymore balance due? They know where to call me but they waited until March, almost 4 months to contact me about this.

I had been in debt consolidation for a few years and Bank of America was one of them. Fr some reason they dropped me and sent me to this collection agency for payment. They have been paid up for along time now.Back in October I had started calling to request a letter saying i was paid in full.I was told it would be sent in the mail in 2 weeks. In November I called again,I was told it was sent out,but I have never received it.I was then told I would get it the following week,It never came.I called 2 weeks later and asked them to fax it to me to my office and was told they would.

I do have a small office and It has never came.I finally called last week which would be the first week in march and was told they had faxed it.I explained I never received it,was told to hold on and they would put on a supervisor and I left a message for them to call me. A week later I still have not had a calll back or received the letter.I am asking for some help in this matter because I do not know where to turn anymore and I know I am getting the run around.No one will give me a straight answer. I want to start purchasing my place I am living in and I will need the letter.Please,Please can you help me obtain the letter I am requesting.

I was contacted by NCO saying I owed $33.90 for AOL I hadent used them in over a year, and had no bill sent to me so I had no idea I owed them. I went ahead and told them I would pay it and they could take it out of my bank on 1-31-07 cause I would not have the money untell then. They took it out on 1-25-07.I have tryed to contact them to resolve this and I just get the run around.

I keep getting calls from these people on my job. They are harrassing me over a bill that I owe but can not afford to pay at this time. If I pay them this will leave me homeless because I will not be able to pay my rent. I want the harrassment to stop.

I recieved a letter from NCO stating a past due amount of $44.85 from America Online Inc. I immediately called NCO to clear up this matter. I was trying to explain that I had not recieved any bill from AOL and would like to dispute the matter and be shown proof of the validity of this past due amount. I was told that I would be contacted, and then was hung up on. I tried calling back numerous times in the following days and even visited the NCO website, where I was told my registration code(on the letter I recieved) was invalid.

I eventually tried calling on a different phone line and got through on the second ring. I was again greeted by a customer service rep named Santos. When I asked to speak to another service rep, he told me everyone was busy and that he could help me. I told him I wanted to speak to his supervisor and again he hung up on me.

Somehow this collection agency got my ex-wifes address and is trying to collect a medical debt I apparently have but not aware of. They told her that if she doesn't pay my debt, it will go against her credit. It appears that the debt is from this year and we have been divorced for over 3 years. I called them and told them that and asked them to send the bills to me and put it on my credit. They ststed that they can't. They yelled at me as well. My ex-wife is learning about my medical history and I don't want her to know about my medical issues. Isn't this illegal? I asked them for what hospital the money is owed and they can't even tell me where it is from.

On Monday March 28, 2005, I received a call from a representative from NCO about a debt that CitiBank was attempting to collect. The representative sounded as though he may be new to company because he kept putting me on hold to speak with his supervisor (which was not fault of his own). I agreed to make a $400 payment but they would not accept it. They offered either to accept and $18000.00 payment in one lump sum or in three separate payment. None of which I could afford. His supervisor go onto the phone ( I did not get his name I believe it was Steve but his direct phone line is 888-487-1479). We reached an agreement that I would post-date a check on my back account for $1184.00 for Friday 01 Apr 2005 and then there would be monthly payments on the 27 of each month for $300.00 up until July. That was fine with me because I would have the amount in the bank on the 1st.

I logged into my bank account on 30 Mar 2005 and they have cashed the check on this date instead of the 1st as agreed to on the 28th of March. I called the supervisor bank, and he refused to assist me in this problem. I accused him of lying to me. When he asked did I have anything in writing, I informed him no but there is the tape of the conversation

which he refused to speak to me about. When asked about the funds being removed from account before the agreed upon time, stated that it was not under his purview even though he set up and agreed upon the conditions. I then informed him that he was lying to me and that I see hwy they have so many federal charges and complaints filed against them. When I asked to speak to his supervisor, he yelled that he was the supervisor, I stated that was not good enough and to let me speak to his boss. He then hung up on m

My account for Capital One was turned over to this collection agency to try and collect a debt. I have been called by the agency's representatives everyday, sometimes three times a day. I keep telling them I haven't worked in 7 months because of a broken ankle and I later lost my job. This has caused me to fall behind with my payments, but it seems as tho they don't hear me they just keep calling daily. These people call me threating to charge of my account and ruining my credit for 7-15 yrs. I have filed a consumer protection insurance claim but I can't seem to get that taken care of either.This is harassment for sure. Please tell me how I can stop them from calling me everyday.

Collection agency in reference to medical charges we owe totaling about $5700. We set up a payment plan of $200 per month. I requested that a statement be sent EACH month, showing balance and amount paid to each creditor. This would be the only written record I would have of the account. The company has stopped sending the monthly statements, after a few months and now refuse to send anymore, citing their system is unable to be "set up" for it. I have also contested one of the claims, but they will not tell me if any of my payments have gone to that account.

Except for that one contested claim, the remaining debts are valid and we will pay them. Our concerns are that the company refuses to comply with the request and we receive no paperwork to show the balances. We don't have much experience with collectors, but they seem to be the typical heavy-handed type, using mild threats in an attempt to intimidate. Our position is that they continue to send monthly statements until the debt is paid.

10 years ago I had an account with a utility company in Maryland. (Allegheny Power) I moved after college and began my career in the US military. My contact information, and permanent address has always been available to anyone that wished to contact me to send me a bill. I have not heard from either Allegheny Power or the collection agency they sold the account to for the past 10 years until March of 2004. When they placed the first phone call to me they said I must pay 713.46 within 6 days (including a Sunday) or the information would be sent to credit reporting agencies. They refused to send an actual document via US postal service or via FAX. We were willing to pay if the debt could be proven, obviously. One of the representatives from NCO told us that the debt included 263.00 in interest accrual. I requested a fax, so that I could see visible evidence of the debt. "Tanya" agreed to do so, and said the fax should arrive in 3 to 5 days.

After 5 days I contacted her and she, without apology, told me that I'd been waiting in vain because they "can't" fax documents, they can only send via the US Postal service. They had not, alternatively, mailed us the information. Another Representative reduced the debt by that amount, and said we could pay the $440. to clear the debt. I requested a written document stating this agreement. None could be faxed, and although they promised to mail a bill, two months went by without them doing so. Another representative,"Tanya", later told us that the $713.46 did not include any interest that had accrued; and that the amount was the exact amount of the original debt. We called the original debtor, Allegheny power, and they could not verify this.

On May 28th I received a letter from "Leading Edge Recovery Solutions" stating that we owe their client, NCO, $713.46 for a debt on an account that NCO purchased from Allegheny Power. They stated that we may not contact Allegheny Power "as they may not have information readily available based on the sale of this account." We had contacted Allegheny Power in March, as soon as we received the first phone call and discovered, through very helpful individuals, that they in fact have NO information on my account, the amount owed, or even an account number. I have a lot more information concerning comments, names, phone numbers and extensions, if needed. We are sending a letter of dispute, because they have misrepresented the amount of the debt, and have lied to us.

NCO is a third party collection agency for Sprint. I paid the open balance in full with check 0267 with Ms Peters on 4/12/04. I followed up with her on 5/11/04 and she told me the check was being processed. I called Sprint on 5/20/04 and they had not recieved any payments from NCO on my behalf. I called NCO and was told by Mr. Brown and then later by Ms Rogers that my check had been destroyed as of 4/19/04 because Sprint closed the account with NCO.

When I asked for a letter stating that my personal check was destroyed, I was yelled at an hung up on by Mr. Brown. I filed a complaint with Ms Rogers who refused to send me documentation verifying that my check has been destroyed by NCO. Her attitude was defensive in regards to sending me a letter letting me know my account status wiht NCO and cavalier about the way i was spoken to by Mr Brown.

Gentleman called twice leaving threating messages - "was going to do what it takes to get results" - Saying Walter Crank was the person who owed something. - I called to tell this person that no one by that name lived here and to please stop calling - guy said "yea right! then hung up on me.

A year later Blue/Cross Blue/Shield, 1800-245-7942 (Martina) stated that Dr Pickett was a member of the PPO groupe and he over charged BCBS and he had to reimburse them. In Dr. doing so he in return he billed me personaly a year later by hiring NCO Financial Systems INC. NCO contacted me a bout the unknown bill. I contacted BC/BS and Martina said it was illigal to do that and would fax the paper work to Kimberly at Alcoa Billing Center, 3429 Regial DR. Alcoa, Tn 37701-3265

In Dec 2003 I told Mrs. Aroia if i recived any more call from her or her office i would take legal action. The calls stoped bu mow i have a charge on my credit report for the amount of 376.02 in collections