This company has serious issues. I received a phone call from NCO. Well, I didn't know that it was NCO at first because the message left on my cell phone was from a man with a super deep voice who said that he was with the U.S. Criminal Investigation Department. He said I had a very important decision to make: I could either choose to be prosecuted for credit fraud or I could return the phone call that day to discuss a settlement resolution.
I started crying uncontrollably and called my Dad who calmed me down enough for me to return the phone call.
When I called the number, it was NCO Financial Systems!!!
[I already knew who they were because they had sent me a collection letter a year ago for a Sears card that I had included in my bankruptcy (Ch. 7) over 5 years ago.
I sent them a letter right away telling them that they were attempting to collect on a discharged debt and I gave them my attorney's name and information and told them to contact her if they had any questions, but to leave me alone.]
I never heard from them after sending that letter&UNTIL recently when they left the message telling me that they were with the U.S. Criminal Investigation Department.
When NCO answered the phone, I was so angry. I could not believe that they would scare me like that. I admit that I raised my voice to the girl I spoke to. I just couldn't help it.
She said that they were calling me about a debt that I owed to SEARS!!!
I told her that I had already given them my attorney's contact information and had requested that they not contact me any further. I asked her why a message had been left on my phone by NCO telling me that they were with the U.S. Criminal Investigation Department.
This is where it gets even better: She responds by saying that I was nothing but the typical deadbeat making up lies about filing bankruptcy to get out of paying my debt. She said that NCO does not collect on discharged debt so I needed to stop making excuses. I asked her again why they left a message telling me that they were with the U.S. Criminal Investigation Department. She replied (exact words): I don't know who left you that message but we have to do whatever we can to get deadbeats like you to return our calls and what you need to realize is that by refusing to pay your debt, your actions "ARE" criminal.
I told her that by collecting on a discharged debt, and by lying about being with the U.S. Government, NCO's actions were criminal.
I demanded to speak to her manager and she replied by telling me that she will notate in my file that prosecution is warranted for this account and to expect to be served within the next 30 days.
Then she hung up on me!!!
Omg! I cannot believe that a company could get away with this behavior!!! I called my attorney who did my bankruptcy and she is on vacation for the next 3 weeks!
I really am considering contacting the FBI and letting them listen to the message that NCO left on my cell phone.
This is the craziest thing I have ever experienced.
0 comments