NCO Financial

Who do I contact to report NCO Financial? They continue to call and harass for someone that doesn't live at this residence. They call 2 to 3 times a day.  Sometime no one answers or the delay answering.  I was told that they would remove my number after 48 to 72 hours. That was last week and now they are calling again and told me the same thing about removing the number. I don't owe them anything and want these calls to stop.

NCO is KNOWN as one of Americas ABSOLUTE WORST collection agencies for their REFUSAL to follow the Fair Debt Collection Practices Act - both State and Federal..


NOTHING THEY DO IS TO BE TRUSTED.  

NCO Financial Services  
507 Prudential Road
Horsham, Pennsylvania, 19034
Attorneys,Exec. Officers Rating

mike.barrist@ncogroup.com
www.ncogroup.com


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Phone No.  800-220-2274 215-441-3822 - 888-554-9203 866-742-5318 215-441-3000 866-217-4477 215-793-2359  
Fax 215-441-3908 215-793-2966 215-442-8235  

  Michael J. Barrist, CEO Joshua Ginden, Esq., Steve Leckerman, Steven Winokur
 
 

Notes
America's largest debt collector, junk debt collector, bottom feeder. Debt validation a major problem. Credit reports should be closely watched for errors. They have deep pockets to pay off on lawsuits. Fined $1.5 million in 2004 for placing bogus credit bureau information.  

Aliases Other Locations  
NCO Financial Systems, Inc. NCO Group, Inc.
Call centers in Mumbai, India. Terrible english, easily confused. Will not talk if you state you are recordong.  

If I were you I would not give them my name, address or any information about you, they are phone phishing I would turn off my ringers on my phones if you don't have any delinquent debt. They will hear your phone ringing but you won't. Thy are trying to annoy you into calling them back.

I dealt with this company 5 years ago, in conjunction with another zombie debt collector out of Illinois.

What I did..

Wrote to these two companies telling them they need to verify the debt (i.e. PROVE that the debt is valid and that I owe it)

Then I wrote to the Attorneys General of the appropriate states, who got them to back off.  Haven't heard a peep since then.

I also had a problem with this company about 3 years ago!  They were calling regarding $127+ owed to BMG Music, of all things...I told them that I never subscribed to BMG and that several years ago I got a CD in the mail, put it right back in the mailbox and emailed BMG to stop sending me junk- that it must have been a mistake, prank, etc... So, NCO was calling me at least 10-15 times a day, never left messages and when I spoke to anyone, their English was so bad that we couldn't even carry on a conversation.  I finally spoke to a supervisor, Mr. Steven Peter (yah right) and I told him that I wanted proof of the debt.  He told me that BMG was no longer involved, that my business was now with NCO and that in order for me to get a letter of "proof", I had to set up a payment of at least $20, right there and then.  Whatever!  I must have argued with this guy for an hour- all he wanted was for me to authorize a payment and then within 3-4 business days, I would receive proper documentation of my debt.  I told him that I didn't think that what he was saying was legal and that there was no way that I was going to pay for something that I didn't owe.  It was the most frustrating conversation I think I'd ever had, it was almost comical.  I'd tell him that i didn't owe anything to BMG and he would say, "Ma'am, you must pay this money to us, not BMG- BMG is no longer involved...so, when would you like to have your first payment come out of your bank account?"  I told him that I was going to talk to a lawyer, that I'm sorry his company bought bogus debt and that I'd call back at another time and hung up.  They continued to call me for weeks and I finally changed my number.  I haven't heard anything since and it's not on my credit report.  It was completely insane.

I think I replied to your "Please Help! Erroneous..." post.

I had dealings with NCO too.
When they got nasty and started making threats, I started answering the phone with the standard military "This line is not secure... all phone calls are recorded... blah blah" and that under advice from my attorney they are to stop calling this number and Only correspond by mail.
They then moved it on to the next scum collector all for a 12year old debt that was wrote off.

Not only do a number of folks on the Internet report negatively about NCO's conduct, but there is an unfortunate loophole in the law that makes it very difficult to stop calls when you are not the debtor.  The FDCPA did not consider  the fact that these kinds of idiots would continue to call a wrong number, and so the language in the law is not inclusive enough.  To make matters worse, the TCPRA has an exception for CA's so that they can harrass debtors, based on the fact that debtors are covered by the FDCPA.  The result is a mess, however, at least one court has ruled that the CA exception in the TCPRA does not apply when they are calling non-debtors, so therein lies your best hope of recourse.  It might be worth spending $50 with a lawyer to get a letter sent to them, and it is certainly not impossible you could point to the prior case law and persuade a judge to rule against them if they were showing bad faith by continuing to call a non-debtor.

Good luck.

This is a PA company so go to www.attorneygeneral.gov/complaints and file a complaint with the PA Attorney General's Bureau of Consumer Protection.  I did last month and the robocalls to my number for an unspecified person about an unspecified debt have stopped.

I found this website link on the NCO website:

consumerhelpunit.org

Gives you steps to resolve calls....  Maybe!

NO THERE IS NO LOOP HOLE IN TCPA - NCO HAS ALREADY LOST A SUIT ON IT - because they were refusing to stop calling the WRONG person.  

TCPA does not apply if they called the right person - you sue for FDCPA violations - Using the telephone to harrass.  




Here is the info

Under the TCPA, a consumer has a right to file a lawsuit and recover $500 for each call that violates the TCPA. The TCPA can also be used in conjunction with the Fair Debt CollectionPractices Act in some situations.  

Generally, the TCPA does not apply to debt collectors making collection calls to debtors. However, if you are subjected to calls from a debt collector and you are not the debtor, you may file a lawsuit against the debt collector under the Fair Debt Collection Practices Act (FDCPA) and the TCPA.

This right was recently recognized by Judge Legrome D. Davis in a case called Watson v. NCO Group, Inc.  NCO Group is a debt collector that uses automated prerecorded collection calls.  In this case, Mr. Watson alleged he was getting hundreds of calls from NCO Group after he got a new phone number. Mr. Watson claimed he owed no debt to NCO Group, Inc.  Mr. Watson filed suit under both the FDCPA and TCPA.

David Israel, defense lawyer for NCO, argued that the TCPA should not apply to debt collectors.  Judge Davis rejected the argument made by David Israel. The judge ruled that Mr. Watson had a right to sue NCO Group Inc under the TCPA for $500 for each call.  Judge Davis wrote;

[The] Court is convinced that a non-debtor's rights are in fact violated when he is subjected to repeated annoying and abusive debt collection calls that he remains powerless to stop.

Judge Davis' ruling was based upon his interpretation that collection calls to non-debtors violate the privacy rights provided by the TCPA.  

So what can you do if you receive "wrong number" calls from debt collectors?

1. Sign up for the Do-Not-Call registry.
2. Save the calls captured by your voice mail or answering machine.
3. Contact a consumer lawyer.

hello all....  i stumbled onto this site while looking for an info on an unrelated topic.
have been reading entries in re: NCO whatever.
yes, i get calls from this ppl. how unfortunate they don't read the notes sent to them
by us-- twice i mailed them to inform:  1. i am a person with impaired hearing--i do not
use phone to communicate.  i only have a phone service for computer connection...
2.  if they think i owe them anything, they must substantiate their claim and must prove
they are the owners of the debt  (added:  your say-so is hardly a reason for me to pay
you.)  well.....these bright people never stopped.... (i have a caller id device but no
phone....since i have no use for it.)
today i sent a letter to tell them this aaaaall over again, and added: since i was a nice
guy,  they have my full, "irrevocable" permission  to keep calling and knock themselves out!
Aaaaah......isn't it grand to be deaf.......

p.s. there was another outfit (AACC fame....) trying to collect an amount i owed to
no one.  i have a separate entry on those dodos-- ( pardon me.....i meant "brain surgeons".)

Many, many of these bottom feeders like NCO and Sussex Group surreptitiously record calls, and in CA, each surreptitiously recorded call is worth up to a "nickel," i.e. $5,000.  And many debt collectors are so sure they're doing right they will admit to the recording.  There are at least one or two more cases in the federal district courts finding TCPA liability for calling the wrong number more than several times.  CBE Group, Inc. and its "Erica" calls also come to mind as serial TCPA/FDCPA violators, but they usually announce they are recording, eliminating the CA Penal Code section 632 et seq. nickel violations.

When NCO Financial was attempting to contact me they went through a series of name changes maybe if you tried to get something done with the Names they were doing Business in THEN and NOW might help you on your Venture collectors such as NCO Financial like to hide there tactics by changing there names...just like a snake sheds there skin...

Here's what I'm experiencing with NCO Financial Services:

I owe my state about $3,500 in back state income taxes. I don't have the money to pay them, so they turned the collection over to NCO.

NCO first sent me what looked like an invoice for the taxes owed. Needless to say, I didn't send anything because I don't have it. After a few months, they began calling and leaving pre-recorded messages on my home machine.

The message goes something like this:

"This is NCO Financial Services, a debt collection company. Federal law requires us to notify you this is a debt collection company in an attempt to collect a debt. Any information obtained will be used for that purpose. Please call (person's name) at (phone number given) between the hours of (whatever)."

The first time I got the call AFTER the invoice, I consulted my accountant who instructed me to NOT tell them anything, just listen. They asked me what my situation was and I told them I would have to confer with my accountant and get back to them. That's ALL I told them.

I have never called them back since that time, and this has been going on for well over a year and a half. Whenever I get home and get the message from them (usually once a week), I just delete it off the machine without even listening to all of it.

What shows up on my caller ID is:
Toll Free Number
866-397-1496

Correction on that number. Last 4 digits should be 1476.