Alright, I'm in need of a big of advice here, if anyone else has had experiences with this awful company. I'm a 21 year old student in CA.in 2002 I was studying in Baltimore, where I obtained an American Express Blue credit card, with a mere limit of $500.
Just like many naive young people, I ran up the bill to the $500 limit. I made payments here and there, and then in late 2003 I decided I would start paying. American Express said my account was now up to $650, which I suppose is understandable due to interest and fees.
A family illness occured where I had to stop working and care for my dying grandmother. Of course I was unable to make any more payments on this card due to our financial situation (all our money going to her medical bills). I decided I would just let the debt slide... And honestly until recently it had not crossed my mind.
Finally NCO Financial Systems INC. Has located me. Strangely enough through a family member that I rarely have contact with. I decided I might as well get it overwith and pay off the balance of my debts, considering some day I'll probably be glad I did when it comes time to buy a home. I called the man who had left a message with my relative. He was immediately VERY RUDE and told me I need to get it together, can't handle my finances, will be "very sorry if I don't pay him"... Etc. He told me my balance was now up to $1450. I agreed to give him 3 post dated electronic checks... Only because he really terrified me.
The next day I spoke with my grandmother. She agreed it's probably better to pay off my debts now that I'm working again, but she said it is ABSURD that they want $1450 for something American Express only wanted $600 for in the previous year. Even with interest and fees it they should not be asking for so much. So of course I called my case rep. At NCO and I demand a copy of my entire history with this AmEx card.
First he tells me he doesn't have, then he says he can only go back 7 months. Once again I demand it and I tell him that if I dont get this statement I will not pay a penny to him. Finally he agrees to send it. And to make sure he has all my correct information, I ask him to repeat my mailing address. The one he had was completely incorrect!!! Although he had already sent me a notice to my CORRECT address... So this did not make sense. I updated my address with him and told him as soon as I receive my statement I will be in contact with him.
Three weeks have gone by... And every week I get a few new harassing messages from him asking why I have not called. I have left him messages saying I need that statement and then I'll give you a call. Yet today I get another message saying "Well, fine. You have been ignoring my calls for weeks now and I'm going to mark your account "refusal to pay" and for your own good you better call me and settle this by the end of the week!"
First of all I NEVER refused to pay... I simply said I need a statement so I can verify all charges... Which I have never received. Horrible, horrible group of people to do business with. Does anyone have any suggestions?
Please email me!
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