In case you are getting calls from the wonderful people at NCO Financial Systems. You should read some messages people have posted about this company. Apart from having to pay $1.5 million to settle Federal Trade Commission charges that it violated the Fair Credit Reporting Act (FCRA), there are also many many claims of state and federal violations of legislation like the Fair Credit Reporting Act (FCRA) and the Fair Debt Collection Practices Act (FDCPA).
The company purchases old debt from people like your cellphone provider, hospitals and the government for pennies on the dollar and then tries to collect it. You may have even already paid the bill, like I had, but that is really a minor irrelevant point. The reality is, much if not most of this debt is so old noone has any obligation to repay any of it, least of all not to NCO. Many people have been harassed for debt belonging to neighbors, relatives, old residents of the same address, and co-workers. Don’t pay NCO a penny.
If you receive letters or phone calls from NCO or phone numbers like
800-709-8625 or 888-804-3488 or 877-803-8009 or 800-541-2742 or 888-688-7929 or 800-445-4918 or 866-569-8956 or 800-218-1175 or 800-448-9576 or 800-684-8429 or 866-429-3592 or 800-976-8307 or 877-871-6484 or 800-735-6588 or 800-220-1942 or 877-778-1799 or 800-227-4000 or 800-807-7809 or 866-626-9112 or 866-425-8131 or 800-967-4100 or 877-252-4534 or 877-202-9074 or 888-691-8955 or 888-259-3021 or 800-437-7403 or
800-383-4761 or 866-360-9791 you should read this page about the Fair Debt Collection Practices Act. If NCO does anything wrong with you, you could be entitled to $1000 per infraction and they may have to pay your lawyer and possibly even your debt.
To halt their “contact”, send NCO a certified, return-receipt cease and desist letter (they throw away all faxes and non-certified letters). A sample letter might read (though, you must seek real legal advice, which I’m not):
This is to advise you that pursuant to the Fair Debt Collection Practices Act (“FDCPA”) 15 USC 1692c(c), you are hereby notified to immediately terminate any contact with me, or any members of my family or household, regarding any matter concerning the collection of a debt you allege is owed to your company or to your principal/customer/client. This notice shall include, but is not limited to written correspondence, as well as telephonic communication. This letter also verifies that I live at the address above, therefore, any further locator attempts would be a violation of the FDCPA.
Their address is:
NCO Financial Systems, Inc.
507 Prudential Rd
Horsham, PA 19044-2308
Is NCO calling you? Do you have a new NCO phone number or information? Please leave a comment and share it with the rest of us. Thanks!
NCO may or may not report your debt dispute with them on your credit report. It is important to make sure that if NCO puts anything on your credit report, all of the information is accurate, such as date of debt, last activity on account and the correct amount. That information is not always placed on all three major reports and your valid creditors usually only check one of these sources, so make sure you check all three (TransUnion, Equifax and Experian) for correct information.
Oh, and Miss Hill, thanks for calling ;)
Important! File a complaint with the Pennsylvania Attorney General – easy online form (NCO is a PA company and PA is investigating NCO)
P.S. The Pennsylvania Attorney General recently finished a big case against them, though the complaints continue.
More: 201-818-0316 202-607-2935 205-561-2455 205-561-2459 209-320-7604 215-441-3000 216-200-5188 240-210-7142 240-210-7150 240-241-7150 253-248-6405 267-352-3706 267-519-4001 290-210-7150 310-862-9083 313-444-2971 323-372-6326 408-538-5101 410-202-0066 410-202-0067 410-202-0069 416-932-4500 434-533-9062 443-205-1056 514-717-4395 517-780-0216 519-346-2500 559-272-6462 571-261-0072 603-589-7556 603-589-7558 609-373-1904 609-373-1906 609-373-1909 612-844-0919 614-717-2367 614-717-4395 614-827-7500 631-328-6485 631-440-2079 641-717-4395 650-230-1963 650-230-1968 703-656-9956 703-656-9959 704-522-4341 704-559-4979 707-307-4222 716-568-5810 757-209-2055 757-990-8982 763-200-6592 801-618-2058 804-234-9068 804-234-9071 804-952-9946 823 301-8125 832-301-8125 845-770-0069 888-579-0626 916-285-5535 918-878-2625 918-878-2627 919 913 0968 919-913-0968 951-289-4371 972-217-8339 1-888-609-2354 1-800-685-4343 1-888-785-1426 1-800-709-8625 1-888-804-3488 1-877-803-8009 1-800-541-2742 1-888-688-7929 1-800-445-4918 1-866-360-9791 1-877-202-9074 1-877-252-4534 1-800-967-4100 1-866-425-8131 1-866-569-8956 1-800-218-1175 1-800-448-9576 1-800-684-8429 1-866-429-3592 1-800-976-8307 1-877-871-6484 1-866-626-9112 1-800-807-7809 1-800-202-9074 1-877-778-1799 1-800-220-1942 1-800-383-4761 1-800-437-7403 1-888-259-3021 1-866-360-9791 1-888-691-8955 1-888-691-8955 1-800-735-6588 1-877-871-6484
So my fiance and I are trying to pay off the debt I collected when I was young and stupid and on my credit report there are two that we cant seem to find what they are too one is NCO FIN/55 with the number 877-433-9990 attached to it and the other is NCO-MedCLR with the number 866-846-5706. I cant seem to find a striaght answer on what they are for so if anyone could help me figure out what those mean that would be wonderful. Thank you!
they keep calling me about an account that I already paid. This peolpe are getting in my nerves! The phone number is 1-888-858-5979
My wife and I get calls constantly from them from these numbers which are not listed above:
866-576-1447
800-350-2457
410-202-0067
310-862-9083
They insist we owe them money as they are working on behalf of AMEX. Our AMEX account does not show any unusal activity, is paid every month and AMEX insists they did not give them our info. They have sent NOTHING in writing although they insist they do. They will not tell me what factual info about us they may or may not have and we refuse to tell them anything other than we will not discuss ANYTHING on the phone with them until we receive legitimate notice in the mail of any legitimate business they have with us. They have called co-workers, neighbors, family and friends and make it clear to all of them they are trying to collect a debt from us. Nothing seems to settle this. If anyone knows the names of the owner or chief officer of this company please let us know. I’ll track down his home info and contact him there directly and see if he wants to straighten this out or have me keep calling him until his compnay stops harrasing us.
New phone number for NCO-800-676-0604 Mr. Cunningham
getting anonymous calls, partial voice message asking to call “Mrs Roberts from 800 477 1827 for debt collection”. I purchased this new phone with new number from AT&T. Never had unpaid debt, was surprised listening to the voice message, kinda absurd, ludicrous, ridculous. Not sure why I’m getting called. I feel the frustration of fellow posters on this website.
Here’s an idea: someone gather all the NCO #s, post it on the comments and set a date & time. Every one of us will call the numbers, one after another, for a half hour straight. Just call & hang up when they answer. At least for one half hour on that one day, they won’t be able to make a single harassing phone call.
NCO IS A SCAM COMPANY!!!! DO NOT GIVE THEM ANY MONEY AT ALL!!! HALF OF THESE POSTINGS ON THIS BLOGS ARE CREATED BY THEM!!!
DO NOT BE DUMB!!
I received a notice from NCO Financial Systems yesterday. The number they provided me was 800-890-9401. They had a $2000+ debt notice. I believe that that debt was dismissed, as it never appeared on any of my previous credit reports as active. I called the number and attempted to tell the person on the telephone that I needed to check my credit report, and the legitimacy of their company before agreeing to repay the debt. The respondent on the phone told me that unless I agreed to pay the debt immediately, he would report me as having refused to pay the debt. I informed him that I had no intention of making any such agreement without checking the details first. He began to argue, so I hang up on him. I intend to look over my credit reports and get back to them on Monday if their claim is legitimate. Should I blow them off?
This company keeps calling my cell phone looking for my 21 year old daughter. she has NO debt to anyone but they won’t stop calling me and not telling me why — even though every time they tell me they will take my number from their list.
The number they call from is –
410-202-0069
I received a call from a lady at NCO, and she asked for me by name. When I told her I was speaking, she asked me to verify my SSN and DOB. I politely refused, telling her, “I do not know what this call is concerning, and I will not give my information to a complete stranger. If you have my phone number, I assume you have my current address, and you are welcome to send me any information on the debt you are trying to collect on a company letterhead. I expect it to have specific information, including the original company, amount of debt (including fees, itemized), date(s) of service, my address at the time of service and my SSN, DOB, mother’s maiden name, my husband’s name, my favorite color, food, number — ANY information you have on me, feel free to send it, and I will happily resolve this debt.” To this she replied, “If you cannot verify your information to me then I cannot continue this call. Goodbye.” and hung up quickly. My husband wants to report them. :)
HERE IS ANOTHER NUMBER THAT WAS LEFT ON MY MACHINE.
1-800-303-1410
New number: 614-717-2367
Phone center in
5626 Frantz Rd
Dublin, OH 43017
(614) 766-0803
(614) 726-3002
ok so i just got a new phone number and guess who the first call is from NCO im only 15 and i wish they would stop any help? email me at jllmmjj@hotmail.com
I have been getting calls from NCO for just about two months now. Ever since I switched phones, I have been receiving messages from these people. I live in BC, and wonder if the above mentioned letter would work for me. Due to my cautious nature, and the fact that I have no debt whatsoever, I do not answer calls from “unknown” callers, and have been deleting the voicemail which always follows. The number that they leave is 1-866-579-5912, along with a code.
I just got a call from these guys at my desk at work trying to talk to human resources saying that they are with revenue canada. When i told them that they would have to send an email they said they weren’t allowed to communicate via email since they work for the government and revenue canada. She said instead for me to take her info and email it myself to human resources for them to call back and left a ref#. leaving a ref# is smart, makes you think it’s legit….maybe I should start getting my cold callers to do that – maybe they’d get more call backs lol. They called from 519-346-2500 but left 866-579-5912 as the call back. what a bunch of con artist thieves.
I got a message for her, from an automated recording, giving a name of a contact, and stating the following: “This is an important message from Enfield Financial Systems, Incorporated, a debt-collection company. This is an attempt to collect a debt and any information obtained will be used for that purpose…” It repeated the message and then said: “when calling, please refer to your ID code..” consisting of 3 letters and 3 numbers.” The message was fully ‘automated’ and the number left to call was: 800/303-1043. The caller ID said this was NCO Financial. Googling their Enfield name shows up NCO. Thought this was a scam of some sort. Think I’ll ignore them.
I received a message, called them back. I never had to even give them my name. I asked who they were calling for. It was for someone we get a lot of collection calls for. Must have been that person’s number before it was mine. The guy was very nice, said he would remove my name. I never gave him any information, not even my first name. I hope they do remove it. If not, at least I know its not my debt and I have no problem letting the machine pick it up!
I have been receiving calls from this company for over a year. I’ve gotten to the point where I don’t answer them. The reason? I have requested at least once a week to have written proof of this debt mailed to me at my address. Have I received anything in writing from these jokers? Absolutely not. I have recently sent via certified return receipt mail, a letter requesting ALL information in a file that they have in regarding this so called debt. We’ll see what I get in return.
nco called me yesterday on a bill they claimed my wife owed. the woman identified herself as a debt collector period. never stated the company she represented. told me that i needed to pay this bill now! i informed her that i was not on my wife’s bank account and she would have to talk with her. i politely asked for her contact information which she refused to give me. she told me that she gave it to me last year and was sick of me telling her that i would call her back and not do so. i don’t recall ever talking to nco in the past. the number they called from was215-441-3000. i figured out that it was nco by the reverse directory on line. the women wouldn’t even tell me the company she represented just that i was suppose to pay her right now for a bill we don’t even remember owing. i have contacted and retained a attorney.
Received a voicemail from 800-897-0308 for the first time yesterday stating it was NCO Financial Systems attempting to collect a debt. They requested I return a call to that same number and speak with a “Lou Wallace” (possible spelling error, NCO rep later indicated it’s a female, and she’s a supervisor).
After researching, discovered I owe $67 and change to FedEx for taxes & duties on an international shipment I received from Germany last year.
Called FedEx up, paid them directly over the phone with a credit card that’s set to expire next month, and got a confirmation #. Called NCO using Google Voice and a rep named Erica (very polite, not pushy/aggressive in the slightest) looked me up in their records via my actual cell phone # (which I offered, as they already would’ve had it to leave the voicemail in the first place). She said I owed something like $75, I told her I’d already paid FedEx directly and had a confirmation # to prove it. She refreshed my account info, said “oh, looks like it was paid today” and said she closed it out for me.
We’ll see.
Didn’t seem too shady but it’s all a load of hype in the end. Use the tools available to you – Google Voice, bank checks or pre-paid credit/gift cards, social engineering. Be polite, but don’t take it lying down.
I am a former employee of NCO and you can call it aggressive Collectors, they never update this information with verizon wireless accounts nor their credit report was never updated. unless the debtor called in to request it. And as a representive there, customer called in and asked questions on why their credit report was not updated, and I could’nt answer that, I put the customer on hold and asked my supervisor why the customer credit report was not up dated and the the customer also wanted to know why and when would her credit report will be updated, my supervisor told me it will be updated on the 31st of November…and I could not tell the customer that, because her bill was paid…..
We received a response to a dispute letter we sent to Capital One saying they sold the account to Ncop Ix Llc with the phone number 888-738-6862. When I Goggle the number is shows it belongs to NCO. Thanks for all the comments. I know who I’m up against now. But, they don’t know who they’re up against yet.
These people keep calling me from these numbers asking for account information from me when I do not have debt and I have never had debt. I don’t even have credit. I’ve never banked with capital one and they keep trying to get my information! I’m sick of this! The numbers they’ve been calling me from are 757-990-8982 and 919-913-0968. They’re trying to scam me and god knows how many people they’ve already scammed! I looked online to see many many reports of fraudulent debt they claim to be collecting. I’m not giving my little bit of money to anyone I don’t owe anything to and poor innocent people shouldn’t have to be harassed like this.
Okay, NCO calls you to collect a debt, and you dont want to pay and you don’t want it on your credt–what ever shall you do? First, make sure it is you account without ID yourself. Just listen to the collector, and when you are sure it’s you, tell her you have attorney representing you—but don’t any more information. If she asks for a attorny contact information–just tell her your have attorney and hang up. Now, call back a week later, if your account is not on an attorney hold, then you just got yourself $1000.00–contact and attorney and sue them.
Larry,
If you refuse to provide attorney information, then collection agencies are under no obligations to do anything.
my daughter has been receiving debt collection calls on her cell phone for almost 2 years. she just told me that it is driving her up the wall. in any case they are attempting to collect from a person whom we don’t know. we tell them that the person doesn’t live here, we don’t know the person, and the phone they are calling is not that persons. It would be nice to talk to someone that would believe us when we tell them that the person isn’t at this end of the connection and that they have the wrong phone number.
I am having the exact same problem as Keith’s daughter. They have been calling my cell phone since I received it in August fir a person I don’t know. I have tried blocking their calls, reporting them, and nothing seems to work.
Their new # is 800-261-8700.
Their calling my home now asking for a relative that don’t live here.
Received a call yesterday from them at my work number. Tried to call back but got a constant busy signal. Their phones must have been busy leaving messages yesterday. Phone number they left to call was 888-899-0468.
Wow, deleting comments that don’t bash NCO! This blog isn’t bias in the slightest. That’s some quality journalism.
Yes, it is a debt collection agency’s fault that you breached a legally binding contract with a creditor. I am simply in awe when I see these websites and comments. No creditor has ever forced anyone to use their services, it is voluntary. You made an agreement and didn’t honor it. It’s time to grow up and be accountable. Answer the phone, conduct yourself civilly, and you will find that you will be treated the same. Ignoring your responsibilities, complaining on the internet is not a solution.
Normally, I would agree with you, but when it isn’t your debt and they are still harassing you how is that right? I am being harassed because I got a random cell phone number when I bought a new plan. Evidently whoever had the number before had the debt problem, so now I either have to fork out more money to change my number of suffer with calls from NCO every week.
My Grandma keeps getting harassed by this company and she knows shit about computers and how to get rid of the problem so she turns to me. Then I find your comment on here, Joe.. My Grandma doesn’t need this shit from this agency and is not taking care of someone else’s fuck ups! Joe, you need to get your facts straight before you post a comment you closed minded Son of a Bicth!
I agree with Joe. NCO called me. Because I had a debt. They were rude & ignorant, degrading, & demanding impossible terms from me. But I had a debt. I had a credit card. Racked it up. Then lost my job before I could pay it off. In three months I was charged an extra $400 in late fees. When I started working the following month, they wanted a $500 payment to bring the card current. It went to collections. I used my available funds to bring current a different bill. By the time my wallet was prepared to pay the balance of that one outstanding credit card, NCO owned it. Like I said, they weren’t very nice but…. they are me, they are you, they are us (unless you get calls from a rep with an Indian accent, I think they’re from India) the person calling from NCO is probably just some other average America, trying to do what gets them their paycheck. So I don’t blame the guy calling me. Why should he & I engage in a battle of words when we’re arguing over something benefiting the d-head in charge? Simply pay your bill, demand a payment plan, take their address & mail them a check every month til you pay it off. Then they’ll stop calling. (Of course, if you never had an account with them, I can understand, but there is always a way to solve the problem even if it requires a little leg work.)
HEY ASSHOLE! EVER HERD OF A COMPANY TRICKING CUSTOMERS INTO LONG TERM CONTRACTS? OR CHANGING TERMS OF CONTRACTS MID TERM? NO? THEN WAKE THE FUCK UP! DIP SHIT! ASSHOLE!
GO TO HELL AND DIE! FUCKER! I would just would love to meet you in a pub! YOU CLOSED MINDED CAPITALIST BASTARD!
I have gotten tons of calls from these guys and I have not answered the phone once. I will not ever talk to these guys and thinks to reading other posts about them I know not to ever talk to them.
I have been receiving calls from 1(800)373-7997 who claims to be NCO Financial. They are attempting to collect on a debt that I could not possibly owe as the company they claim the debt comes from went out of business before I was of legal age to enter into any financial contract (I would have been 11 years old). They have called me at least twelve times a day for a full week. When I stopped answering the phone I started receiving fifteen to twenty calls a day from a blocked number albeit no calls from any 800 number. After I enabled Anonymous Call Rejection I began to receive phone calls from the aforementioned 800 number.
I have been receiving calls from various numbers with a caller ID of NCO FIN SVC. They do not leave a voice mail. They will call 3-4 times per day. Most often they hang up after 2 rings, sometimes 3 before I can get to the phone.
I was finally able to reach someone today and ask why they keep calling and why they would not leave a message? Of course, I received no answer.
Upon giving them my telephone # to verify who they have been calling (after all they already have the #), I was asked if I have a Capital One credit card – which I do not!!! They then asked did I know someone name “Catherine”? No last name, huh… pretty common name don’t ya think???
Anyway, I was informed my # would be removed from the automated system, but that I may receive another call to verify the removal — imagine that??
I fear that this company may be a collection agency, but I wonder if they are also scam artists? or, is someone else scamming for information under their name???? Makes you wonder?? Please do not give out your personal information (e.g., SS#, bank acc’t #s, debtors, your legal name). Some of these calls may very well be an attempt to steal your identity.
Emergency room visit led to being confused on two different bills from hospital at just around $200. Paid one and missed one (I know, I know). Received notice through mail yesterday from NCO Financial Systems, Inc debt was owed. Attempted to reach them at their website. Went through login process and it says they can no longer service me via the website. ???? Really? Then why give me that option. After reading this information I will go medical provider and attempt to pay directly. Thank you.
NCO financial did collect on an old debt for me at a fraction of the cost. However, they did not make an accurate report to the credit bureaus. I’m livid because all I get when I call (during business hours) is voicemail and I am ready to report them. I need to know what the first step is…
Just wait until they start garnising your wages from your job.
NCO Financial has a lady calling me everyday from 888.475.6741. I refuse to answer b/c they cant even say my name correctly and they call all day long……
They called my familys house and called themselves Mother Capital Agency. They wanted me to call “Mr.Banks” back. I called and he ARGUED with me and kept yellin over me about how they are taking it to an attorney. He kept trying to tell me about how much I owed my bank. I admit I owe them $80 but he was trying to tell me 550!! Ive already gone to the bank and they assured me NOT to pay any attention to this collection agency bcuz there are a lot of scams goin on right now. The number I was told to call was 1-877-890-8511.
got a call today from 1-866-626-7105. Secretary didn’t know what the recorded message was about. I attempted to call and got numerous recordings to hold for the next available operator. Then I was disconnected. Then I found these websites with all the comments about their scummy practices. Won’t waste any more time !
These guys have been hounding me for a debt two-three years ago. As far as I know, it is a debt that I do owe from the local hospital, but it got turned over to them. It’s been hell ever since. Also, I recently lost my job and now am unemployed. I’ve told them that I can’t pay them back, and then they turn around and demand info such as bank account numbers. What part of “I have no money” do they not understand?
I just received a call from these people. I have no debt for them to “collect” they called me from 866-426-4288. They asked me to call “Mr.Roberts” back. haha. Get real.
Was getting repeatedly harassed – auto message from David Meyers from 1-800-690-4622 stating they were trying to collect a debt. I called the number, knowing I didn’t owe anything but, you never know with insurance/doctors, etc – and the guy on the other end wanted me to give him my phone number – I refused not knowing if this was a scam.
Got another call in a few days and they left a “code”. Called back and gave the reference number – the guy asked me if I was “Miguel Jimenez” or if I knew him. I am not Miguel – obviously, he gave my phone number and then defaulted on a debt – the guy said he would take my number off the auto-dial. We’ll see??
I’m on the NCO 800-448-9570 plan – this month anyway. Too bad they are on my automatic call rejection plan freely offered on my Samsung Captivate. WOO HOO! Of course – everyone is getting my cell phone # now!
I just want to pay my debt with them and put this behind me. I spoke to a consultant today for the first time. She was pushy but polite. Now, I definitely have to follow through with my promise to pay or the stalker calls will start. Is it safe to make a payment on NCO’s website, http://www.ncofinancial.com? They sent me a letter with a unique registration code to use when I register and login to the site to pay with my debit card.
Thanks guys
NO it is not safe to pay on the NCO’s website. The only way I would pay these guys is with a cashiers check or money order! I would not take a chance on them getting ANY information on my bank or debit cards.
Yes, Everyone is out to get you!!! You better not give them the information that is CLEARLY VISABLE on your debit card and check. The same information you give to a shady looking teenager working at the gas station. Your logic is AIR TIGHT!!!
Called today and left call back number of 1-800-220-1942. Caller ID showed as unknown
They called me this morning. It showed up as 215-441-3000 but they told me to call 866-613-4835. They said I had a bill from Georgia Power for $100 that dated back to 2009. I told them this was a fraud and a shakedown and they said have a good day and hung up on me.
I’ve gotten several calls from this company recently. The phone numbers that dialed me are:
800-638-1005
800-226-1843
800-240-7530
877-363-0954
866-955-6026
The numbers that they have left for me to call back are:
800-273-6816
877-363-0954
Here’s another one: 800-249-2645.
I got a “robo call” a couple of weeks ago from “Eligibility Patient Advocacy Liaison”. The recording said “If you are Honey XXX press 1,” I did, but after several minutes on hold I got board and hung up. I have since received two messages on my voice mail and another one I answered (which I hung up on).
The messages say to call 800-249-2645 and left an account (?) number to reference. The messages said nothing about debts or collections; I got the impression it was some kind of advocacy group.
I was curious, so I Googled the phone number and discovered it’s NCO. Apparently “EPAL” is the department that collects medically related debts. Advocacy???? That’s an interesting choice of misnomer; it sounds friendly. Luckily, I am not friendly.
I was recently in a hospital ER. I received a statement from them with *zero* balance owed (I’m broke), pending financial evaluation. I have yet to hear from them about providing income verification. I also got one with a $500.00 balance from the ER doctor, but when I called his billing company to make payment arrangements they said they would look into what the hospital wrote off and get back to m about payments on any leftover balance.
I’m almost sure I got the first call from “EPAL” prior to getting the bill from the doctor, so it must be for the hospital. I just today found out that the friendly advocacy group is really a collection agency, so I will call the hospital on Monday to find out the true status my account.
Phone number 1-866-856-0827 Alberta Canada office – They are charging me 41% interest of 19.8% per day on the balance. They are very rude ant very insulting and like to hang up on you.
New number just called today.
866-426-4288
I laugh at these guys calling,some times i take the call and tell them i ambroke i have no way of paying the debt and i amnot going to,then i ask what are you going to do,to this they have no answer…………I have zero assets they can touch!!
Haha George Trout keep calling!!
These people are simply unreal. I don’t dispute the debt…well, actually I do. They’re calling to collect 482 bucks on a Citi Bank Card…however, I should not owe this debt. When I signed up for this card….I got the “insurance against the event that I became unemployed”….I notified CitiBank of my unemployment whithin 15 days of losing my job and instead of using that insurance option, they just started calling and calling trying to collect from me. Well, now this account has been passed off to NCO…these people have more freakin’ phone numbers than I can shake a stick at. They call up to 15 times a day – even twice on NEW YEAR’s DAY (thankfully this is my only bill!)…I did (For awhile) make it a point to talk to one of the calls once a day. When I ask them about this insurance that I supposedly had…the voice on the phone goes silent. I also get silence when I tell them that I’m unemployed and that I have no answers or money for them….finally 3 days ago …I very plainly and clearly stated “Please stop calling me. You may contact me by mail only. Thank you. ” And I hung up. The calls just kept on coming….seriously….I’ve gotten 7 calls today ALONE…..
Here are the numbers I have:
757-209-2055
703-656-9959
443-205-1056
323-372-6326
253-248-6405
757-990-8982
707-307-4222
…yes, every single one of these numbers is NCO Financial.
Wow…these folks are daft….I realize that the person on the phone is really just making a living and I kind of feel sorry for the goober that I just chewed out…sort of. This time, when I dialed back the number that has called me 5 times today (804-234-9071) I did not give them my name or account number. Instead I said:
“Ohhhh…it’s you people again. I guess I haven’t been very clear….I asked that you NOT call me. Anything that needs my attention on this matter can be handled by Postal Service. Apparently I have not been clear. Do Not Call My Cell Phone Number EVER. Thank you.”
“This call is about a Citi Bank credit card account…”
“Yes, I know. You have been calling repeatedly about it….from several different numbers which I have been keeping a log of. Nothing has changed. I am still unemployed. I still have no income. Citi Bank needs to activite the ‘insurance” that I signed up for in the event that I became unemployed…”
At this point…I get the same silence……for several seconds….so I say
“Gee…it’s the same silence I get every single time I speak with you folks. I have informed you – three times now – that I wish for you to stop calling me. Honestly, if I had the money I would pay this debt… At this point, you have violated the fair debt collections practices act at least 9 times since this past Friday when I asked that you stop calling…..although I imagine your company should be very used to paying fines for these kinds of infractions by now…you might want to look that up…but just in case they aren’t…I’ve reported you to the Pennsylvania State Attorney General’s Office….”
They hung up on me….hmmm…