Let's hear it for NCO FINANCIAL SYSTEMS INC.!!!
They are getting great results collecting questionable debt from honest hardworking Americans by using unsavory psych-op methods.
With their aggressive "Kick 'em in the Teeth until they Bleed... Or Choke to Death on their own Blood" methodology, they are most vicious and downright nasty in their approach. Often their seedy collection specialists will call you early in the morning to scream "Good Morning!!!" in your ear, and then attempt to intimidate you into paying an often intentionally error-inflated bill from a seedy company like Cingular Wireless.
By specializing in advanced Harrassment techniques and overall questionable behavior, NCO has gotten the attention of the BBB in Pennsylvania and in Alabama. The Attorney General in PA is also taking a close look at NCO. The FTC is also interested in learning more about the possible illegal methods being utilized by the collection specialists at NCO.
NCO has an unsatisfactory record with the BBB due to unanswered complaints. Complaint activity has alleged problems with debt collection tactics and accounting. NCO oversteps and violates the consumers rights completely, then when the consumer lodges a complaint... NCO backs off and claims the debt is "uncollectable" and then returns the file to the original collector. That way NCO can wash their hands without having to accept responsibility for it's extreme ethics violations.
EXAMPLE: They receive orders of collection from Cingular Wireless for an account where a Cingular customer had a slight problem with their account due to a billing error created by Cingular. Sound familar???
Well, Cingular is claiming that this person owes them $1000... When the real honest true amount of the bill is only $300, and the cell customer *was* merely asking Cingular to "Please look into this matter and correct this billing error... The overcharge is blantantly obvious in the monthly statement, and your rep even agreed to this in a phone call last week".
Well my friend... That's just too damned bad because Cingular knows that once they sic the evil dogs from NCO on your ass... You'll gladly pay the $1000 just to keep it off your credit report... Whether the amount was correct or not... And you can't do anything about it.
BOTTOM LINE: You just got ripped for $700 by Cingular and there's not a thing anyone can do to help you! SO HELP YOURSELF-
* never agree to pay a collection agency what they *claim* you owe... Until they first agree to remove any and all negative or derogatory entries at the major credit bureaus (equifax, experian, transunion, innovis, and trw) also be sure to respectfully request a letter or fax to that effect... Then make the payment
Learned One
Upstate, South Carolina
U.S.A.
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