| Message |
Author |
 Posted: Wed Apr 04, 2007 4:17 pm Subject: UGH! CITIBANK turned me over to NCO! |
|
|
Alright well I just got screwed by citibank, Apparently they accepted my account into debt management on the 6th of feb but payment was made on the 5th so they did not count that towards their markup and they sent me to collections because payment "was not made". Now i'm with NCO Financial, anyone have any ideas on how these people are and how to settle with them? thanks
|
|
Blizz127
Joined: 10 Nov 2006
Posts: 48
Debtcc Points: 1512
|
|
|
| Posted: Wed Apr 04, 2007 5:00 pm Subject: |
|
|
You are still allowed to make payments to Citibank because they surely have hired NCO for collecting on the account. It doesn’t look like Citibank has sold your account. Verify it with them and ask them to update your account with the last payment.
NCO Financial is a bunch of rude collectors. I highly recommend you to stay away from them and make arrangements with Citibank directly.
|
|
aciotsf
Debt Samaritan
Joined: 09 Mar 2006
Posts: 514
Debtcc Points: 6373
|
|
|
| Posted: Wed Apr 04, 2007 5:09 pm Subject: |
|
|
well is till recieved a payment via Citibank for my zales account, and my online account access is still enabled so maybe NCO collects and ships to them. i'll give citibank a call again and see what i can pull up. They just say i'm referred to NCO and give me a different number.
|
|
Blizz127
Joined: 10 Nov 2006
Posts: 48
Debtcc Points: 1512
|
|
|
| Posted: Wed Apr 04, 2007 5:21 pm Subject: |
|
|
i just talked with them again and it looks like they charged it off and sent it to their citibank collections number which i called but they gave me a # for NCO because they say "they're handling the account" ugh, when the account is charged off it means that NCO bought the debt right? it hasn't even been a few days!
|
|
Blizz127
Joined: 10 Nov 2006
Posts: 48
Debtcc Points: 1512
|
|
|
| Posted: Wed Apr 04, 2007 7:04 pm Subject: |
|
|
You can ask NCO if they own the account. Because it is so early, they probably don't. NCO can be ok to deal with. Sometimes the longer negotiations go on the more they will discount the account. However along with that may come some violations of the FDCPA and/or state law. Protect yourself.
|
|
texaslawyer
Debt Samaritan
Joined: 20 Dec 2006
Posts: 260
Debtcc Points: 41
|
|
|
| Posted: Wed Apr 04, 2007 7:49 pm Subject: |
|
|
| Blizz127 wrote: | | just talked with them again and it looks like they charged it off and sent it to their citibank collections number which i called but they gave me a # for NCO because they say "they're handling the account" ugh, when the account is charged off it means that NCO bought the debt right? it hasn't even been a few days! |
Citibank doesn't waste any time charging off accounts. I had a regular credit card account with them several years ago and sent them a payment (as I had promised to do) and they charged off the account two days after that! RETARDS!
I currently have one private label citibank account with NCO and they are quite possibly the most friendly and easiest to work with collection company I have dealt with. They have never yelled at me, threatened me or anything bad. They have called but each time it's more or less a courtesy call and they are more than willing to work with me. We made easy payment arrangements on the account and I should have it paid off in the next several months.
The bottom line is if you work with them, they will work with you.
|
|
dtownmike
Joined: 27 Mar 2006
Posts: 49
Debtcc Points: 1577
|
|
|
| Posted: Wed Apr 04, 2007 9:06 pm Subject: |
|
|
yeah i'll be calling them first thing tomorrow, i called the citibank collections # they gave me and they turned me over to NCO. But the customer service rep that gave me the citibank collections # checked with her manager and they both said to call them so i'll check tomorrow again. They said they charged it off on the 26th so it is not that far off. I have not recieved anything from NCO but i'll try and hopefully keep the account with citibank and keep my payments with them
|
|
Blizz127
Joined: 10 Nov 2006
Posts: 48
Debtcc Points: 1512
|
|
|
|
|
|
cajunbulldog
Moderator
Joined: 20 Dec 2006
Posts: 4886
Debtcc Points: 37779
|
|
|
| Posted: Thu Apr 05, 2007 7:35 am Subject: |
|
|
yeah, thankfully we have alot of info on them here so I am prepared while dealing with them. hopefully there won't be much of an issue they have been pretty good so far but thats because I wasn't in the right department lol
|
|
Blizz127
Joined: 10 Nov 2006
Posts: 48
Debtcc Points: 1512
|
|
|
|
cajunbulldog
Moderator
Joined: 20 Dec 2006
Posts: 4886
Debtcc Points: 37779
|
|
|
| Posted: Thu Apr 05, 2007 10:45 am Subject: |
|
|
NCO good?only in our bad dreams?we have only nightmares here with NCO.
NCO PEOPLE told my husband blind and mentally ill
that if he payed them(nco collectors) a 84,00 dollars he didnt need to pay more bank america a 4000,00 balance in his credit card( bank america).
my husband speaks and write very well ENGLISH AND HE IS PAYING bank america every month a 75,26.
NCO IS A TERRIBLE collection agency that abused until disability people.
my husband told me people from street( NCO)wants to
stealing money from him.he get very scared of this people.
|
|
tsacgiv
Debt Samaritan
Joined: 08 Aug 2006
Posts: 1693
Debtcc Points: 3341
|
|
|
| Posted: Thu Apr 05, 2007 11:12 am Subject: |
|
|
i forget to tell you that my husband is not writting
anymore because he became blind with retinitis pigmentosa(BOTH EYES) and after that he became more mentally ill.HE DONT WRITE BRAILLE.HE HAD VERY GOOD EYES FOR 40 YEARS AND HE IS 53 YEARS OLD.
he own the bill and he is paying bank america every month.we have many big payments here of 100,00 and 200,00 about 2 years,the account didnt GO down.
he ask BOA to pay less because his social security is only 623,00.he closed the account and NCO SAY
THEY bought his account but bank america never stoped to received his money every month FOR THIS account .NCO IS REPORTING EQUIFAX NO PAYMENTS in this account of boa.bank america(boa) keeping the money he is paying them.
OKAY NCO GO AHEAD .I REALLY DONT CARE.TAKE MY HUSBAND TO THE COURT.I will be very happy to go with him.
|
|
tsacgiv
Debt Samaritan
Joined: 08 Aug 2006
Posts: 1693
Debtcc Points: 3341
|
|
|
| Posted: Thu Apr 05, 2007 3:14 pm Subject: |
|
|
Awwww, sorry to hear about your husband. Those NCO Bast@**$ will not try to mess with me like that, i'm going to record every conversation i have with them and try to pursue a settlement. I just recieved my NCO Letter today and Citi said that they no longer own the account so NCO owns it. UGH, of course the one account i've been working on settling has to go to NCO.
|
|
Blizz127
Joined: 10 Nov 2006
Posts: 48
Debtcc Points: 1512
|
|
|
| Posted: Thu Apr 05, 2007 4:45 pm Subject: |
|
|
Be very careful and document everything, they can be descent, but they can be real jerks too.
tsacgiv, I am sorry to hear that you had such a bad experience. You will need to gather all your payment information that you sent them to go to court and present it as evidence to the judge. I hope the judge you gets breaks their arms for taking advantage of you. goodluck.
Blizz,
Also wanted to add that whatever decision you make, make sure you get a paid in full letter, so they don't sell the balance off to another collection agency.
_________________
Working my way out of this debt, one day at a time!
|
|
fedupinpa
Moderator
Joined: 22 Jan 2007
Posts: 1666
Debtcc Points: 21375
|
|
|
|
|
| Posted: Sat Apr 07, 2007 6:50 am Subject: |
|
|
Well Tim from NCO just called me, I was pleased with how he handled my situation. They stated that my account was in "Pre-Charge Off" and wanted me to come up with like 600 bux lol, but he sent me to someone and said they could cut it off at 20% and then just pay the 600 in two monthly payments then the rest in 4 so i'll have the account paid off in september!  hopefully earlier if i start shoving money at it. They were easy to deal with and I believe as long as you don't get shitty with them they'll work with you. But I will just have to wait and see lol.
|
|
Blizz127
Joined: 10 Nov 2006
Posts: 48
Debtcc Points: 1512
|
|
|
