I worked for "Mercedes-Benz Financial" which was part of NCO. I was hired originally as a debt collector for NCO then after training was completed we were told we would actually be working for Mercedes-Benz Financial, handling accounts 30 days past due. Upon beginning the actual job, the Majority of the accounts we were calling were 3 to 15 days past due. We were given a "call script" to follow that we were told followed the FDCPA. However, I and many other employees (which decided to quit shortly after training) felt the "call script" was extremely rude and demeaning. If a consumer was more than 30 days past due, the script instructed us to ask the consumer if "a family member or friend could give them a loan for the amount owed".
I felt that many of my consumers I was calling were not used to the new economical crisis and many had never been late before. Our script instructed us to let them know "that we would affect their credit report". I have many, many other unfair practices that I witnessed first hand as an employee of this company that absolutely violated the FDCPA and basic human rights.
After working less than 90 days, I was pulled into the office and made to listen to a call I had made to a customer that was less than 15 days late and I was "too nice" and did not follow the "call script". I was told I was suspended without pay for further investigation and escorted from the building. Two days later I was fired. All for being "too nice" and "not aggressive enough".
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