8778471486

Skip- tracing tactics are deceptive debt collection tactics used to call all known numbers "associated" or listed as "alternate contact number" or "wrong number" with an alleged debtor. Those numbers include abusive and exploitative calls to all relatives, friends, and others. Under Expert Global Solutions (EGS) you find NCO Group and Transworld Systems Financial. Gov't action https://www.ftc.gov/enforcement/cases-proceed ... c-nco-group-inc and yes NCO is under Department of Education's thug squads preying on alleged debtors their relatives, friends, and others. http://www.finaid.org/loans/collectionagencies.phtml The only way to stop these predatory cowards to stop calling is by sending a Cease and Desist! But then you have to prepare for all their deceptive undisclosed call tactics1

Update: They called again today. So much for taking my phone number out of their system.

These [***] are ridiculous. I work in collections and knew their wording well, so I asked for a VOD (verification of debt) to be sent through email and a hard copy through my mail - I gave both a current address and email address - to see if they're a legit company. Weeks. I have waited WEEKS for them to send me something. Instead, they've called me late at night multiple times in a row. All I'm saying is that their tactics are sheisty. Ask them what their other aliases are and watch them scramble.

Based on everyones cmoments I should feel stupid for falling for this they had said their trying to collect a student debt which I didn't even know I had and now take money out of ky account every month should I be worried

In a word, Yes! If you didn't have a student loan, then they are taking money from you because they think you are the person they are really looking for.  Debt collectors are notorious for calling people with the same & like names. The law requires them to prove you are that person. But DC's are infamous for not following the FDCPA laws. Portfolio is a prime example of this skip tracing..
And yes, even if its a government student loan, they still have to follow the FDCPA laws.

Your entitled to a free credit report from each once a year by law.
credit reports:  Experian, Equifax, TransUnion
http://www.consumer.ftc.gov/articles/0155-free-credit-reports

Portfolio:
http://consumerist.com/2015/05/19/jury-hits-d ... ogus-1130-debt/
https://800notes.com/forum/ta-ceba95f52112a47/cfpb-settles-cases

To File complaints FDCPA/TCPA violations:
Your State Attorney General
Their State Attorney general
www.naag.org (you can find your state AG at this link).
https://consumercomplaints.fcc.gov/hc/en-us
http://www.consumerfinance.gov/complaint/
http://www.rcfp.org/reporters-recording-guide/state-state-guide
http://www.dmlp.org/legal-guide/recording-phone-calls-and-conversations
Also with the BBB and follow completely through with it.
http://www.creditcards.com/credit-card-news/c ... ations-1282.php
http://www.consumer.ftc.gov/blog/haunted-phantom-debt
Seek a FDCPA/TCPA Attorney if need be.
***A company must be licensed in their state as well as the one they are trying to collect in if two different states are involved.

Some Tips:
*Keep all messages
*Take a picture of your Caller ID
*Keep any and all conversations recorded to your states recording laws, some require they be told, others do not. This can be transferred to a recording device.
*Keep a notebook handy for writing time,date, who you spoke with and what the conversation detailed.
*Check your SOL for your state as well.
*Attorneys need to be licensed as a DC to collect, all DC's must be licensed in their state as well as yours if different.
http://www.insideedition.com/investigative/93 ... debt-collectors
http://www.fair-debt-collection.com/debt-collectors-list.html

https://800notes.com/arts/Jb8EW-eDhQA/harassi ... ou-need-to-know
See Residents post here also:
https://800notes.com/forum/ta-34af6a034ba34b6/unending-collection-calls
Templates of Letters:
https://800notes.com/Phone.aspx/1-319-242-7350

http://www.ftc.gov/os/statutes/fdcpajump.shtm
http://www.consumerfinance.gov/askcfpb/search ...
http://www.consumer.ftc.gov/articles/pdf-0096-fair-credit-reporting-act.pdf
http://www.consumer.ftc.gov/articles/0149-debt-collection

Yes, you need to contact a consumer lawyer immediately, contact your bank and file a fraud dispute.
Here is everything else you need to know:
NCO FINANCIAL AKA NCO GROUP AKA EXPERT GLOBAL SOLUTIONS AKA TRANSWORLD
Alternate Business Names:
CRW Financial, Inovision, Marlin Integrated Capital, Medclear, Medclr, N.C.O. Financial Systems, Incorporated, OSI Collections, Transworld

My thanks to Slim and Tamianth for their additional input.
Posted in:  https://800notes.com/Phone.aspx/1-401-519-1492
https://800notes.com/Phone.aspx/1-866-750-6108
https://800notes.com/Phone.aspx/1-888-850-6426
https://800notes.com/Phone.aspx/1-201-448-9904
https://800notes.com/Phone.aspx/1-412-802-9638
https://800notes.com/Phone.aspx/1-312-300-5984
https://800notes.com/Phone.aspx/1-888-475-6741/8
https://800notes.com/Phone.aspx/1-972-217-8339/2
https://800notes.com/Phone.aspx/1-800-716-1618
https://800notes.com/Phone.aspx/1-866-899-6654
https://800notes.com/Phone.aspx/1-410-881-5532
https://800notes.com/Phone.aspx/1-877-847-1486/2
I always have to wonder why an allegedly “legitimate” business would need this many numbers to call out.
BBB gives them an A with 593 complaints and a sanction by the FTC-Seriously?:
http://www.bbb.org/washington-dc-eastern-pa/b ... ham-pa-80002360
http://www.bbb.org/evansville/business-review ... lle-in-11000173

http://www.bbb.org/dayton/business-reviews/co ... aine-oh-5000261
Bloomberg shows their information with the names of the head criminals in this organization:  http://www.bloomberg.com/research/stocks/priv ... ivcapId=4326126
Looks like being the head of a criminal organization pays well:  http://www.bloomberg.com/research/stocks/priv ... vcapId=35245707
Zoom info:  http://www.zoominfo.com/p/John-Schwab/116035401
Some more information on his criminal transactions (insider trading):  http://people.equilar.com/bio/john-schwab-jgwpt-holdings/salary/821491
Some other Web sites:
http://www.ftc.gov/enforcement/cases-proceedi ... o-group-inc-nco

http://www.egscorp.com/
http://www.oneequity.com/News?n=233
http://www.bbb.org/dallas/business-reviews/co ... ano-tx-90468519
https://www.ncogroup.com/
http://www.bbb.org/washington-dc-eastern-pa/b ... am-pa-80002360/
http://www.bbb.org/atlanta/business-reviews/c ... luth-ga-5001121
http://www.bbb.org/delaware/Business-Reviews/ ... on-de-22002558/

http://www.bbb.org/south-east-florida/busines ... ham-pa-26001119

http://www.consumeraffairs.com/debt/nco.html
http://www.debtcollectionanswers.com/NCO-Financial.html
http://www.ftc.gov/news-events/press-releases ... tc-charges-will
Here is a copy of the 2013 filing:
http://www.ftc.gov/sites/default/files/docume ... 0709ncocmpt.pdf

And the results ...
Results of FTC Complaint

The penalties that NCO Financial faced as a result of the FTC complaint came in at a steep $3.2 million civil penalty. This became the largest penalty amount ever obtained by the FTC against a third party debt collector. This giant penalty amount also came with an agreement from Expert Global Solutions (NCO Financial) and its subsidiaries to stop harassing consumers and using abusive collection tactics that are against the law. If they violate the FDCPA at any time within 5 years after the complaint was filed (July 8, 2013) each violation will be looked at as a separate violation from those listed in the complaint, and will result in more monetary penalties to be paid by the collection agency.

http://www.castlelaw.net/blog/ftc-brings-char ... ating-fdcpa.cfm
Federal law (FDCPA) requires them to send you a letter (US MAIL ONLY) within 5 days of their first contact that contains their name, physical address, the creditor’s name, and the amount of the alleged debt.  It also must contains “mini-Miranda” telling you that it is an attempt to collect a debt and that all information will be used for those purposes.  The one other important thing that this letter must also have in it is that you have a right to dispute the debt within 30 days of receipt of the letter and if you do so, all collection activity must be stopped until the debt is verified.
Read up on your rights here, get template letters to send and also make a complaint at this government site:  http://www.consumerfinance.gov/
Also file a complaint with your State Attorney General's office.
List of State AG’s offices:  http://consumerfraudreporting.org/stateattorneygenerallist.php

Yeah.  Be very worried.  Read Tamianth's Notes!  Do something.  Close out your accounts and notify the financial information of fraud.  At the very least.  Better do this quicktime!