I was recently laid-off from my job.in the time since my layoff I haven't been able to keep up with all of my credit card bills. My Capital One account was sent to NCO Financial Systems for collections. I recieved a call from them in May. I have every intention of paying all of my debts off I just do not have the means at this time to do so. I explained this to the representative, she stated that she understood and transferred me to her supervisor to try to work out a payment plan. I advised the original representative and her supervisor several times that I was more than willing to make a payment of $87.62 at the time of the call. They wanted me to schedule a monthly reoccuring payment until the balance was paid in full. I stipulated several times that I was unable to make a reoccuring payment because I was unemployed, which was why my account had been past due in the first place. At this point they transferred me to a manager who was very rude. I told her several times as well that feeding my toddler takes precedence over paying off a past due credit card. She then told me, "You must be a terrible parent for giving your child a horrible example of a responsible adult should act". She continued to berate me, trying to get me to authorize a payment each month. I had given the original representative my checking account information to take out the one time payment of $87.62. After half an hour of being taunted I eventually told her the only payment she was getting was the one I already authorized and I hung up. The payment was taken out of my account in May and I assumed it would be up to me to contact them to make additional payments once I had available funds. They didn't wait for me to contact them and authorize an additional payment though.in June I recieved an overdraft notice from my bank. NCO had tried to set up a reoccuring monthly payment anyways. I didn't have the money available in my account in June so it overdrew my account. I contacted NCO to advise them this was an unauthirized transaction. They apologized and stated it wouldn't happen again. Less than a week later they tried to process the 87.62 again, and since my account still didn't have the funds available the check was returned and I was charged an additional overdraft fee. The next day my unemployment check was direct deposited into my account. NCO again submitted the $87.62 and since the money was in my account this time the check went through. I hadn't been aware of the two other times they tried to withdraw the money until I checked my bank account on June 29th. Rather than call NCO again I contacted my bank who issued a stop payment on the check and refunded the money. My bank also advised me to close my checking account since NCO lacked scruples and was going to continue trying to collect the money. I realize this is a debt I do owe and I wish I had the money to pay it. I just do not at this time. Anyone stuck in a similar situation should be wary of this company. They have no problem praticing fraud as long as the accounts are paid!
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