Hello Debtors

Thanks NCO's Finest. I'd liek to ask you a quick question.

Does NCO set up payment arrangements for someone that has an account in collections with them?

angell, I will be surprised if he replies, they usually create a thread and run.

I waas just curious as I can't seem to get anyone from NCO to answer on any of the telephone numbers they have left for me..

I finally received something in the mail from them and it is for a medical bill that states I owe $100 from an Emergency Room visit I had three months ago. The hospital was supposed to refile with my insurance because my co pay is $50. Next thing I know I am getting calls.

If I were you I would contact the hospital and ask them to file that insurance claim.

I am after I saw the post. No wonder there is no one around to answer their calls.... they're all on here playing Big Bad Collector!

One of the best. I have attorneys suing you for numerous fdcpa violations that you are famous for. Please read about "one of the best" below.

Other Offices:
150 Crosspoint Pkwy
CrossPoint Business Park
Getzville, NY 14068-1602
Phone: (716) 404-2100
Fax: (716) 404-2120
And many more...
Bud Says...

ONE OF AMERICA'S WORST COLLECTION AGENCYS!

******** CONSUMER ABUSE ALERT **********

NCO Group to Pay Largest FCRA Civil Penalty to Date

One of the nation????????s largest debt-collection firms will pay $1.5 million to settle Federal Trade Commission charges that it violated the Fair Credit Reporting Act (FCRA) by reporting inaccurate information about consumer accounts to credit bureaus. The civil penalty against Pennsylvania-based NCO Group, Inc. is the largest civil penalty ever obtained in a FCRA case.

According to the FTC????????s complaint, defendants NCO Group, Inc.; NCO Financial Systems, Inc.; and NCO Portfolio Management, Inc. violated Section 623(a)(5) of the FCRA. The law specifies that any entity that reports information to credit bureaus about a delinquent consumer account that has been placed for collection or written off must report the actual month and year the account first became delinquent. In turn, this date is used by the credit bureaus to measure the maximum seven-year reporting period the FCRA mandates. The provision helps ensure that outdated debts ???????? debts that are beyond this seven-year reporting period ???????? do not appear on a consumer????????s credit report. Violations of this provision of the FCRA are subject to civil penalties of $2,500 per violation.

The FTC charges that NCO reported accounts using later-than-actual delinquency dates. Reporting later-than-actual dates may cause negative information to remain in a consumer????????s credit file beyond the seven-year reporting period permitted by the FCRA for most information. When this occurs, consumers???????? credit scores may be lowered, possibly resulting in their rejection for credit or their having to pay a higher interest rate.

NCO is so bad, that in 2003, they have been sued 40 times for violations of the Fair Debt Collection Practices Act (FDCPA). These suits are usually filed when consumers are abused in violation of state and federal debt collection laws.

NCO is a money-mill, gobbling up competitors, buying portfolios of old debts for pennies, and expanding globally. These money-beggars are making their bottom-line profits at the expense and abuse of consumers.

One wonders how many lawsuits are NOT being filed because consumers do not know their rights or that NCO CAN be held accountable for their illegal debt collection practices.

Apparently, NCO is not spending enough time and money to properly train their debt collectors in accordance with law, the FDCPA. Do they hire any derelict that may be in-between court and treatment dates simply to harass, abuse, and oppress consumers? There is no mention of drug testing at their web site, so can you be hired at NCO if one has bad habits and a need for fast-cash. This must be a 'dream-job' for anyone with a prison record, drug habit, or any con artist out to defraud some fast money off unsuspecting consumers. Are you aware of the personal consumer information these money beggars have access to? I shudder to think how much information is being illegally used at agencies such as NCO. You should be VERY nervous about the type of individuals who have this unprecedented and open access to ALL of your personal information.

It's just a matter of time until collectors start calling with accents from countries like India, Pakistan and....(ooohhh my gawd!!)

NCO's CEO, Michael J. (kinky) Barrist seems to be astonishing Wall Street (NASDAQ:NCPM) with his financial wizardry. He certainly appears to be pumping up the bottom line. (One lawsuit at a time?) In my experience, this type of greed and consumer abuse will catch up with NCO, just as it did with Commercial Financial Systems (CFS) and Outsourcing Solutions Inc (OSI). Both operations were out of control just prior to their filing for bankruptcy protection. CFS's top brass is facing federal criminal charges in highly anticipated court proceedings scheduled for later this year.

If you are receiving abuse from NCO, contact me for referral to a local consumer law professional in your area. NCO, with $800+million in revenues last year, has more money than a South American drug cartel, so use the law to make them pay when they violate the laws and your consumer rights.

Do not let NCO's under-trained, uneducated and FDCPA lacking debt-collectors make a paycheck at your expense.
Big agencies pay big salaries to their ego-driven brass. NCO should spend a lot more time training their collectors and dealing with consumer complaints, in this case BIGGER does NOT mean BETTER! (Except for Kinky and his top brass team of money beggars)

SLAMMER!!!!!!

"Apparently, NCO is not spending enough time and money to properly train their debt collectors in accordance with law, the fdcpa. Do they hire any derelict that may be in-between court and treatment dates simply to harass, abuse, and oppress consumers? There is no mention of drug testing at their web site, so can you be hired at NCO if one has bad habits and a need for fast-cash."

Nice team to belong to. You should be proud!

Great Froggy, and I am another one that will be suing NCO also!!! LOL!!!

if he is there finest,i would hate to see the worst.probably there in abundance.at least based on that docket i saw.get em frog!!!!!!!!! 8) 8)

Gee it looks like we might have the start of a class action here. I have a person at work that they are harrassing also!

I say let's go for it!

It amazes me that he never comes back to defend himself! What a coward! They are so tough when there is miles of phone lines separating them from people.

I'm almost ready for my court date against NCO financial, not sure if anyone remembers it but it's for 36 FCRA violations. So much for the consent decree.. No one can test them? I have concrete proof through the 3 major credit reporting bureaus and my attorney and I are both certain that it is going to be an open and shut case.

Let's see here, 36 FCRA violations x $2.5k/violation per consent decree. Plus fdcpa violations, that's $97,000 for statutory damages, plus punitive damages (the illegal reporting caused my FICO score to drop much further than it should causing my insurance to much higher resulting in damages of $8,452), attorney fees, court costs, plus already getting hit by my state Attorney General's office and the Federal Trade Commission....

Sorry, your not untouchable.

I think "Finest" and the 5 best collectors need to quit wasting time on this form and get back on the phones. Since they are the best, and aren't on the phones, it must mean the rest are the worse. You know, the ones casuing NCO to get sued left and right!

...and love the ph# they are using now on caller iD "1-222-222-2222"

OK, Finest. I've got 'your money'. You are cordially invited to stop by in person and collect it. Bring a friend.









On second thought, better bring two friends, if you can rent that many. The first one's likely to get roughed up a tad.

Hey, yeah, I've got some money for you NCO guys too....


unfortunately, all I have is this Nigerian bank cheque for $1.7 million American dollars--tell you what, you cash it at your bank, keep $100,000 for yourself, and I will trust you to wire the rest of it to me while I'm on holiday in London....

whadaya say??

NCO....

No
Conscience
On board

LOL!

UncleWulf and Skydivr7673, you guys are too much!

Is that the "Formula 409" scam I hear so much about, Sky? You know, the one that is guaranteed to "clean" out your bank account if you fall for it?

VolleyBallMom, I had heard where a CA blocking their number, or displaying a false one, was illegal. Not sure where I heard it, but I'd like to know if it's true also.

It isnt so much blocking their number, but using a false one is because it is a form of the CA falsely identifying themselves as someone that they are not. The caller ID entry is a method of identification, and to intentionally make some other ID appear there is the illegal act, as far as I can recall.


NCO is famous for this--they called my house once and on the caller ID, my home telephone number and our names showed up! They were pretending to be US, while calling US....

Ooooh, bet that was spooky!

Wasn't there a horror movie like that a while back? They killer was calling the baby-sitter from inside the house?

I know there was one in the 70's, and I think they re-made it a year or so ago.

LOLOLOLOLOLOLOL...........I can't even post, I'm laughing too much!! NCO......you HAVE called me ,several times about expired SOL accounts. Sorry...but, I'm not paying on an account, that was 'expired' almost 5 years ago. Also...you tried to call me to "collect a debt" that you din't even have. I'm not saying I DON'T have a few 'accounts' with you, I'm just saying that hopefully you'll treat people with more respect than you have.

"I just read about 10 pages of DEBTOR SCUM Excuses as far as to why they shouldn't pay their bills
I noticed that debtors seem to think there untouchable."

If he used this language on the phone to a client would that not be a VIOLATION for abusive language. Seems like he is unable to stop violating the law.

Oh, yeah. That would, indeed, be an fdcpa violation.

I've dealt with NCO and they suck ASS! :P

Do not let NCO's under-trained, uneducated and fdcpa lacking debt-collectors make a paycheck at your expense.
Big agencies pay big salaries to their ego-driven brass. NCO should spend a lot more time training their collectors and dealing with consumer complaints

Back in the day, I worked for a summer during college at a collection agency in Buffalo, NY (I think it might have been acquired by NCO a couple of years ago, actually!). It was an awful experience.

The average tenure of a new collector was six weeks (I beat that, I lasted 8!). In my 8 weeks, I had 10 different bosses; every week, things were reshuffled based on which departments and managers did or didn't make quota.

The thing is, we actually had two full weeks of training on FDCPA. We even had to take a test, and they were very clear about what collecters were and weren't allowed to say/do. They seemed very serious about it...

...until training was done and we were put out on the collection floor. Then it was a different story. Managers would stand over you and tell you to threaten people with jail, or taking their house away, etc. They would tell you how to try and wheedle information out of parents (if their kids were the debtor) and out of kids (if the parents were). They would tell us to do things that violated FDCPA, and our training, every which way. I couldn't do it; it was just too dishonest and rotten. And I was always afraid that I'd run into someone who actually knew the law and their rights and what the FDCPA allowed/prohibited, and I'd be the one sued, not the company. And I had no illusions about the company protecting me if that happened!

It's a very, very ugly business.

Sorry for the double post - I thought I was logged in, but I wasn't!

Do not let NCO's under-trained, uneducated and fdcpa lacking debt-collectors make a paycheck at your expense.
Big agencies pay big salaries to their ego-driven brass. NCO should spend a lot more time training their collectors and dealing with consumer complaints


Back in the day, I worked for a summer during college at a collection agency in Buffalo, NY (I think it might have been acquired by NCO a couple of years ago, actually!). It was an awful experience.

The average tenure of a new collector was six weeks (I beat that, I lasted 8!). In my 8 weeks, I had 10 different bosses; every week, things were reshuffled based on which departments and managers did or didn't make quota.

The thing is, we actually had two full weeks of training on FDCPA. We even had to take a test, and they were very clear about what collecters were and weren't allowed to say/do. They seemed very serious about it...

...until training was done and we were put out on the collection floor. Then it was a different story. Managers would stand over you and tell you to threaten people with jail, or taking their house away, etc. They would tell you how to try and wheedle information out of parents (if their kids were the debtor) and out of kids (if the parents were). They would tell us to do things that violated FDCPA, and our training, every which way. I couldn't do it; it was just too dishonest and rotten. And I was always afraid that I'd run into someone who actually knew the law and their rights and what the FDCPA allowed/prohibited, and I'd be the one sued, not the company. And I had no illusions about the company protecting me if that happened!

It's a very, very ugly business.
_________________

thanks strr for the story..must have been rough..i know i couldn't do it..As far as i am concerned the managers that put the collectors up to that kind of stuff should be fired!!

Very sad post NCO. You must be a miserable human being. I have yet to meet a debt collector who is a "professional". Did you have to go to school for that? Get a graduate degree or "professional" certification? Does your "profession" adhere to a "professional" code of ETHICS, like most "professions" do? :evil:

Goldhelmet...In all my mess, I dealt with a TON of collectors. Only ONE of them was professional. She was awesome. She had a debt of mine that was due to a car accident. I told her she would get paid when I did, and I'd tell her to call me back in so many months, then she would. And I'd update her, and then she'd ask when to try back. She was one the first to get paid out of my settlement. She even got some old old stuff that her office had collected removed from my reports. I love her..lol

An example of an idiot I dealt with was "Carlos" from Arrow. He even signed one of his letters to me, "Carlos Santana." Who would have thought, he was that hard up for cash, huh? That wasn't his name, and he signed all previous letters, and letters after the "Santana" letter with another name.

I had some jackass ringing my phone the other day, and he tried to tell me that he didn't have to mail me validation. I told him that the fdcpa says he does. Especially since I have records of paying that debt long ago...

hey jessi,did you try to transfer that carlos santana signature on a guitar.probably fetch big bucks on e-bay. :lol:

I did ask him for an autograph once, but he wasn't amused. LOL Maybe I could just auction off the old collection letter?

If you do a search on this forum for "Carlos Santana" you'll find some of my old threads talking about him. I searched for his other name, other than Santana on Myspace and tried to add him. He denied me...lmao

NCO REPORT A WRONG BILL IN CREDIT REPORTS.
NCO PUT THE CHECK BEFORE THE DATE.
NCO TAKE THE MONEY AND RUN.
NCO GIVE THE SAME PAID ACCOUNT TO BE CHARGED AGAIN
FOR ANOTHER COLLECTION AGENCY.
NCO TELL LIES TO MY HUSBAND BLIND AND MENTALLY ILL
THAT DID NOT OWN A PENNY TO THEM.NCO BAD COLLECTORS
TOOK A CHECK FROM MY HUSBAND AND RUN.PUT THE CHECK BEFORE THE DATE AND THEY GAVE THE SAME BILL TO
ANOTHER COLLECTION AGENCY(ARM)TO CALL HERE AND ASK FOR THE SAME MONEY AGAIN.NCO REPORT A FALSE BILL IN MY HUSBAND CREDIT REPORT EITHER.
NCO HARASSED THE WRONG PEOPLE THAT DID NOT OWN A PENNY TO THEM.
HELLO NCO BAD COLLECTORS PLEASE STOP THE INSANITY
AGAINST GOOD DEBTORS AND AGAINST NO DEBTORS EITHER.
:mrgreen: :rose:
NCO BAD DEBTORS COLLECTORS ARE NOT FINEST BECAUSE THEY ARE TERRIBLE!!!

HELLO DEAREST JESSI AND DEAREST PAUL I LOVE BOTH OF MY FRIENDS.
ABOUT NCO BAD debt collectors THEY ARE REALLY BAD PEOPLE.

How did you handle the issue, with NCO, TSACGIV? GOSH..how horrible. What a mess! Obviously, you were telling them they had the wrong person. NCO CAN be a pain. Difficult to deal with them.

Hey guys, we need to let this thread die. It's just wasting space on the forum, let it sink down to the bottom.

If you honestly see the type of work that you do as being "rewarding", you don't have much of a life. You only exist. At the end of one's sojourn on earth it is not how much money you made, what your title was, whether or not you were rich or famous, whether the boss thought you were the best employee he or she ever had, what make of vehicle you drove, or how big or expensive your house was, will your name and or memory be synonomous with someone who exhibited compassion or cruelty? Will you be remembered for doing more good in the world than bad? In Charles Dickens' "A Christmas Carol", Ebenezer Scrooges business partner Jacob Marley who proceeded him in death shows up as a spectre in Scrooges bed chamber on Christmas Eve. Scrooge is shocked and horrified to see his friends ghost but is even more appalled to see how this spectre is weighted down by chains and cash boxes. When Scrooge inquires as to why he is so encumbered, Marley's answer is chilling. " I wear the chains I forged in life." Marley goes on to elaborate that he spent the better part of his life on earth pursuing money at any cost and that his failure to focus on love, empathy and compassion, condemned him to a miserable after life. He shut himself off with only his pursuit of material comfort as company. Charles Dicken's as a child spent time in workhouses. Throughout the 18th and 19th centuries, people could be thrown in Debtors prison. They usually went to work houses. These experiences influenced his writing. "Tom Jones", "David Copperfield", "Oliver Twist", "Tale of Two Cities," and "A Christmas Carol" His work illustrated the struggles of people usually caught up in situations that were either created or agrravted by systemic apathy or laisse-fare. The lesson is,"to whom much is given, much is required." Not to horde what you are blessed with (materialistically speaking), but to have compassion on those that have not. As someone who contacts people over the phone about bills and so forth, you don't know what they have or don't have. You cannot assume that they have all the necessary resources that will enable them to pay a bill. In the majority of cases, if people have the money to pay their bills, they will. If they don't, they don't. It does not mean that one should not pay, but these are difficult times and collectors should be aware of the fact that people appear to barely be keeping their heads above water financially. If a full fledge economic collapse occurs, bill collectors will also wind up broke. This nation is loosing ground and corporate greed, avarice are partially the reason. Too many corporations have politicians in their hip pockets and they often steer the congress to vote in their best interest instead of what is good for the consumer. Life is too short to be consumed by the fading trappings of what we consider success in this part of the world. We have lost ground and credibility with the rest of the world because of the same mentality living in the Bush White House. Greed is a business and the acquisition of wealth at all costs even at the expense of the mental and physical health of persons should give someone pause. If these are the people that are running the country and corporate America, it's no wonder that this nations best years are behind us. We are being ruled and exploited by thieves and thugs in three piece suits.

The above thread by myself is directed toward NCO and other debt collectors.

Why does this crap keep getting pushed to the top? Stop responding to it and focus on what is important.