September 5, Dear [redacted] :I acknowledge receipt of the August 29, complaint for the referenced consumerI noted that the consumer & has requested validation of the debtI have commenced that process and will be forwarding to you the requested validation, as soon as it is availableDuring this interim time, it is NCO's intent not to contact the consumer regarding this debt.Please be advised that the consumers account balances may be periodically increased due to the addition of accrued interest or other charges as provided in their agreement with the original creditor or as otherwise provided by state lawPlease send future complaints to NCO Financial Systems, Inc., P.OBox 15035, Wilmington, DE 19850-Federal and state law prohibit certain methods of debt collection, and require that we treat you fairlyIf you have a complaint about the way we are collecting your debt, please visit our website at www.ncogroup.com or contact the FTC online at www.ftc.gov; by phone at 1-877-FTC-HELP; or by mail at Pennsylvania Ave., NW, Washington, DC If you want information about your rights when you are contacted by a debt collector, please contact the FTC online at www.ffc.govOur goal is to timely respond to your inquiryIf you have any questions during this interim time, please contact Very truly yours, Cathy B Consumer Affairs Team Lead
[To assist us in bringing this matter to a close, you must give us a reason why you are rejecting the responseIf no reason is received your complaint will be closed Administratively Resolved] Complaint: [redacted] I am rejecting this response because: I received a phone call from [redacted] of NCO, apologizing repeatedly for their handling of this matterShe informed me that I would receive an updated and itemized bill in several daysI received said bill Monday June 30thThe return address on the envelope is: [redacted] , Mo***NCO is indicating to you that they are not dealing with me, but I assure you they areI have forwarded the bill along with a claim form to [redacted] When the check for $arrives, it is my intention to immediately forward it to [redacted] ***, they have accepted payments from me in the pastI am not accepting NCO's response at this time because they are not being accurate with youI will pay this bill as soon as possible and do not want NCO to further damage my credit [redacted] assured me they would not report this to the credit bureaus again, if I handle this matter as promisedI will inform you when I have forwarded the checkThank you in advance, and thank you for your help Regards, [redacted] ***
March 4, 2015Dear [redacted] : I acknowledge receipt of the February 25, complaint for the referenced consumerPlease be advised TSI has closed the above account in our officeIt is Transworld's intent not to have any further communication with [redacted] in reference to the above accountIn addition, please be advised that we have contacted the credit bureaus that we do business with, with our request to delete our listing of the above account from [redacted] 's credit profile for the social security number we have listed in our recordsPlease be advised that Transworld Systems cannot affect a change to how any other company may have listed the above account on [redacted] 's credit profileFederal and state law prohibits certain methods of debt collection, and requires that we treat you fairlyIf you have a complaint about the way we are collecting your debt, please visit our website at https://www.transworldpayments.com or contact the FTC online at www.stc.gov; by phone at 1-877-FTC-HELP; or by mail at Pennsylvania Ave., NW, Washington, DC If you want information about your rights when you are contacted by a debt collector, please contact the FTC online at www.fic.govShould I not hear from you within days, I will assume you have all information necessary to complete your investigation and close this matterVery Truly Yours,Cathy BConsumer Affairs Team Lead
June 6, 2014Dear [redacted] : I acknowledge receipt of the May 19, complaint for the above referenced.accountPlease be advised that NCO has closed the referenced account in our officeIt is NCO'sintent not to have any further communication with [redacted] in reference to the above accountFederal and state law prohibit certain methods of debt collection, and require that we treat you fairlyIf you have a complaint about the way we are collecting your debt, please visit our website at www.ncogroup.com or contact the FTC online at www.ftc.gov; by phone at 1-877-FTC-HELP; or by mail at Pennsylvania Ave., NW, Washington, DC If you want information about your rights when you are contacted by a debt collector, please contact the FTC online at www.ftc.gov.Should I not hear from you within days, I will assume you have all information necessary to complete your investigation and close this matterThanking you for your cooperation, I remain, [redacted] Consumer Affairs Team LeadIn the event that your office should forward this letter to the consumer: This is an attempt to collect a debtAny information obtained will be used for that purposeThis is a communication from a debt collector.Calls to or from NCO Financial Systems, Incmay be monitored or recorded for quality assurance.Strictly Confidential- Proprietary Company Information - Not Subject to Disclosure.NCOVery truly yours,
June 2, 2016Dear [redacted] ,In response to the update from [redacted] ’sOur client felt it was necessary to respond to the comment concerning the credit bureauPlease be advised that the above-referenced account is now closed in our officeFurther inquiry regarding the underlying debt may be directed to [redacted] at the following telephone number [redacted] .Sincerely,Marcelle L
June 26, 2014Dear [redacted] :I acknowledge receipt of your June 24, letter for the above consumerPlease be advised that NCO has searched its databases using the information supplied by the consumer and was unable to identify the specific account that is the subject of the consumer's complaintShould [redacted] receive any additional telephone calls from NCO Financial Systems, Inc., please have her request our reference number, and provide that information to me at the phone number listed above.Until such information is received, as noted, we cannot proceed with the research regarding this complaintPlease forward the requested information to the attention ofthe undersigned at: NCO Financial Systems, Inc., P.OBox 15035, Wilmington, DE 19850.Consumer Affairs Team LeadCalls to or from NCO Financial Systems, Incmay be monitored or recorded for quality assuranceStrictly Confidential- Proprietary Company Information - Not Subject to Disclosure.Very truly yours,
July 30, Dear [redacted] :I acknowledge receipt of your July 28, letter for the above consumerPlease be advised that NCO has searched its databases using the information supplied by the consumer and was unable to identify the specific account that is the subject of the consumer's complaintIn order for us to move forward, we need specific identifying information including, but not limited to: the consumer’s full name and social security number; the name of the original creditor; the creditor’s account number or reference number; the billing address of the account; and, any other specific information relating to the consumer so that a full search can be completedIn order to further investigate your complaint, NCO requests that [redacted] forward a copy of his most recent credit report displaying NCO's listing.Federal and state law prohibits certain methods of debt collection, and requires that we treat you fairlyIf you have a complaint about the way we are collecting your debt, please visit our website at www.ncogroup.com or contact the FTC online at www.fic.gov; by phone at 1-877-FTC-HELP, or by mail at Pennsylvania Ave., NW, Washington, DC If you want infoqqrmation about your rights when you are contacted by a debt collector, please contact the FTC online at www.ftc.govUntil such information is received, as noted, we cannot proceed with the research regarding this complaintPlease forward the requested information to the attention of the undersigned at: NCO Financial Systems, Inc., P.OBox 15035, Wilmington, DE 19850.Very truly yours, Cathy B Consumer Affairs Team Lead
October 23, 2014Dear [redacted] : I acknowledge receipt of your October 15, letter for the above matterPlease be advised that since the account validation materials relate to medical issues, NCO will not forward these documents to you, so that there is no potential violation of federal or state privacy lawsThese materials have been forwarded to the consumer.In addition, please be advised that we have contacted the credit bureaus that we do business with, with our request to delete our listing of the above-referenced accounts from [redacted] ***’s credit profileSince [redacted] ***’s Social Security number was not included in the complaint, we cannot be certain that our request will be accurately processed by the credit bureaus notifiedNCO Financial Systems, Inccannot affect a change to how any other company or entity may have listed the accounts on [redacted] ***’s credit profileNCO has transferred your account to a special collection unitThe consumer may contact Diane C [redacted] directly at ###-###-#### to discuss the status of the above accountsFederal and state law prohibits certain methods of debt collection, and requires that we treat you fairlyIf you have a complaint about the way we are collecting your debt, please visit our website at www.ncogroup.com or contact the FTC online at www.ftc.gov; by phone at 1-877-FTC-HELP; or by mail at Pennsylvania Ave., NW, Washington, DC If you want information about your rights when you are contacted by a debt collector, please contact the FTC online at www.ftc.govIn the event that your office should forward this letter to the consumer: This is an attempt to collect a debtAny information obtained will be used for that purposeThis is a communication from a debt collectorCalls to or from NCO Financial Systems, Incmay be monitored or recorded for quality assuranceWith the supplied information being forwarded to the consumer, I consider this matter concluded.Very truly yours, Cathy BConsumer Affairs Team Lead
[To assist us in bringing this matter to a close, you must give us a reason why you are rejecting the responseIf no reason is received your complaint will be closed as Answered] Complaint: [redacted] I am rejecting this response because: Sharon, does this mean that the collections through EGS have been halted, and that the account will be closed on your end? ThanksPlease clarify Regards, [redacted]
February 19, Dear ** [redacted] : I acknowledge receipt of the January 28, complaint for the above consumerPlease be advised that the above account is closed in our office as settledPlease note that NCO has advised its client that the account is settled Please be advised that NCO has not reported this matter on consumer's credit profileNCO Financial Systems, Inccannot affect a change to how any other company may have listed the above account on the consumer’s credit profile Federal and state law prohibit certain methods of debt collection, and require that we treat you fairlyIf you have a complaint about the way we are collecting your debt, please visit our website at www.ncogroup.com or contact the FTC online at www.ftc.gov; by phone at 1-877-FTC-HELP; or by mail at Pennsylvania Ave., NW, Washington, DC If you want information about your rights when you are contacted by a debt collector, please contact the FTC online at www.ftc.gov Should I not hear from you within days, I will assume you have all information necessary to complete your investigation and close this matterThanking you for your cooperation, I remain,
March 31, 2014Dear [redacted] :I acknowledge receipt of the March 27, follcomplaint for the above consumerPlease be advised that in order to further investigate [redacted] A [redacted] ’s allegations, NCO requests that [redacted] A [redacted] forward a copy of her most recent credit report displaying NCO’s listing ‘Until such information is received, as noted, we cannot proceed with the research regarding this complaintPlease forward the requested information to the attention of the undersigned at: NCO Financial Systems, Inc., P.OBox 15035, Wilmington, DE Very truly yours,
[To assist us in bringing this matter to a close, you must give us a reason why you are rejecting the responseIf no reason is received your complaint will be closed Administratively Resolved] Complaint: [redacted] I am rejecting this response because:This is a fraud account This debt is not my own I want [redacted] to zero out this account and erase all debt and negative information about this account I want all credit reporting agencies to be notified that this is a fraud account I contacted [redacted] *** *** [redacted] *** [redacted] ###-###-#### She works at Customer Satisfaction & Regulatory Compliance and she stated in a email to me, " We are unable to locate an account under your name with [redacted] Upstate are you able to provide an address where the service was put into your name and have you filed a dispute withNCOFinancial?" This is a fraud account Please remove all negative information with me in regards to this account Regards, [redacted]
September 4, Dear [redacted] : I acknowledge receipt of the August 15, follow up complaint for the above-referenced consumer regarding the above-referenced accountsPlease be advised NCO has made the business decision to close and return account numbers [redacted] - [redacted] and [redacted] so that [redacted] may address her concerns directly with the clientAs such, both accounts are pending closure in NCO's systemNCO will not initiate any further communication with [redacted] regarding these accounts.Federal and state law prohibit certain methods of debt collection, and require that we treat you fairlyIf you have a complaint about the way we are collecting your debt, please visit our website at www.ncogroup.com or contact the FTC online at www.fic.gov; by phone at 1-877-FTC-HELP, or by mail at Pennsylvania Ave., NW, Washington, DC If you want information about your rights when you are contacted by a debt collector, please contact the FTC online atThanking you for your cooperation, I remain,Very truly yours, Very truly yours,Cathy BConsumer Affairs-Team Lead
May 29, Dear [redacted] : - -I acknowledge receipt of May 23, complaint for the above referenced accountsPlease be advised thatNCO has closed the referenced accounts in our office as paid, Please note that we have contacted the credit bureaus that we do business with, with our request to delete our listing of the abovereferenced accounts from [redacted] credit profileSince [redacted] social security number was not included in the complaint, we cannot be certain that our request will be accurately processed by the credit bureaus notifiedIt is NCOs intent not to have any further communication with [redacted] in reference to the above accounts.Federal and state law prohibit certain methods of debt collection, and require that we treat you fairlyIf you have a complaint about the way we are collecting your debt, please visit our website at www.ncogroup.com or contact the FTC online at www.ftc.gov; by phone at 1-877-FTC-HELP; or by mail at Pennsylvania Ave., NW, Washington, DC If you want information about your rights when you are contacted by a debt collector, please contact the FTC online at www.ftc.gov-Should I not hear from you within days, I will assume you have all information necessary to complete your investigation and close this matterThanking you for your cooperation, I remain,
August 21, Dear [redacted] :I acknowledge receipt of the August 5, complaint for the above matterPlease be advised that NCO has closed the referenced accounts as paid in our officePlease be advised that NCO has not reported this matter on consumer's credit profile NCO Financial Systems, Inccannot affect a change to how any other company may have listed the above account on the consumer’s credit profileIt is NCO's intent not to have any further communication with Bonifacio Ramos in reference to the above accountsFederal and state law prohibit certain methods of debt collection, and require that we treat you fairlyIf you have a complaint about the way we are collecting your debt, please visit our website at www.ncogroup.com or contact the FTC online at www.ftc.gov; by phone at 1-877-FTC-HELP; or by mail at Pennsylvania Ave., NW, Washington, DC If you want information about your rights when you are contacted by a debt collector, please contact the FTC online at www.ftc.gov.Should I not hear from you within days, I will assume you have all information necessary to complete your investigation and close this matterThanking you for your cooperation, I remain,Very truly yours, Cathy B Consumer Affairs Team Lead
May 22, 2014Dear [redacted] :I acknowledge receipt of your May 16, follletter for the abovereferenced consumerAs previously stated, NCO has closed the abovereferenced account in our officeIt is NCOs intent not to have any further communication with Thomas Moehring in reference to the above accountFurther inquiries, or validation o materials regarding the above account may be directed to [redacted] of [redacted] Hospital at ###-###-#### or at [redacted] NY ***Federal and state law prohibits certain methods of debt collection, and requires that we treat you fairlyIf you have a complaint about the way we are collecting your debt, please visit our website at www.ncogroup.com or contact the FTC online at www.ftc.gov; by phone at 1-877-FTC-HELP; or by mail at Pennsylvania Ave., | , Washington, DC If you want information about your rights when you are contacted by a debt collector, please contact the FTC online at www.ftc.gov.Should I not hear from you within days, I will assume you have all information necessary to complete your investigation and close this matterThanking you for your cooperation, I remain,Very truly yours,
May 21, Dear [redacted] :I acknowledge receipt of the May 5, complaint for the above matterI understand that [redacted] has requested that NCO cease calling her regarding accounts [redacted] and [redacted] , that have been placed with NCO for collectionPlease be advised that NCO has removed [redacted] -***s telephone number from its systemNCO will place no further calls to [redacted] - [redacted] relating to the above referenced accounts We have taken the information the consumer has provided to us very seriously and appreciate your efforts in bringing her concerns to our attentionLet us state at the outset that it is not the policy or the practice of this company to engage in unfair, deceptive or misleading practicesNor are such occurrences toleratedOur employees are trained and are also regularly monitored for compliance purposesPlease assure the consumer that her comments have been thoroughly reviewed and have not been taken lightlyShould it be found that a collector violated NCOs policies and procedures relating to the handling of this account, the collector will be disciplined and retrained regarding NCOs policies and proceduresIn the event that your office should forward this letter to the consumer: This is an attempt to collect a debtAny information obtained will be used for that purposeThis is a communication from a debt collectorCalls to or from NCO Financial Systems, Incmay be monitored or recorded for quality assuranceFederal and state law prohibit certain methods of debt collection, and require that we treat you fairlyIf you have a complaint about the way we are collecting your debt, please visit our website at www.ncogroup.com or contact the FTC online at www.ftc.gov; by phone at 1-877-FTC-HELP; or by mail at Pennsylvania Ave., NW, Washington, DC If you want information about your rights when you are contacted by a debt collector, please contact the FTC online at www.ftc.govShould I not hear from you within days, I will assume you have all information necessary to complete your investigation and close this matterThanking you for your cooperation, I remain,Very truly yours,
December 16, 2014Dear [redacted] : I acknowledge receipt of your November 20, complaint for the referenced consumerPlease be advised that the accounts [redacted] , [redacted] , [redacted] , [redacted] and [redacted] are closed as paid in our officeIt is Transworld's intent not to have any further communication with [redacted] in reference to the above accounts.Please note that account [redacted] remains open in Transworld's systemPlease advise [redacted] to call Andy S [redacted] at ###-###-#### for inquiries regarding account [redacted] Since the account validation materials relate to medical issues, Transworld will not forward these documents to you, so that there is no potential violation of federal or state privacy lawsThese materials have been forwarded to the consumerIn addition, please be advised that we have contacted the credit bureaus that we do business with, with our request to delete our listing of accounts [redacted] , [redacted] , [redacted] , [redacted] from the consumer’s credit profile for the social security number we have listed in our recordsPlease be advised that Transworld has not reported accounts [redacted] and [redacted] this matter on the consumer’s credit profilePlease be advised that Transworld Systems cannot affect a change to how any other company may have listed the above accounts on the consumer’s credit profileFederal and state law prohibits certain methods of debt collection, and requires that we treat you fairlyIf you have a complaint about the way we are collecting your debt, please visit our website at www.transworldpayments.com or contact the FTC online at www.ftc.gov; by phone at 1-877-FTC-HELP; or by mail at Pennsylvania Ave., NW, Washington, DC If you want information about your rights when you are contacted by a debt collector, please contact the FTC online at www.ftc.gov.Should I not hear from you within days, I will assume you have all information necessary to complete your investigation and close this matter.Very Truly Yours,Cathy BConsumer Affairs Team Lead
The "signed" document is bogusIt is the same document several other scavenger collection agency's tried to pass as officialEvery time I dispute the debt they would pass it on to another collection agency I did not go to college in texas and any loan document for a student loan would have been signed before Complaint: [redacted] I am rejecting this response because: Regards, [redacted]
October 16, 2014Dear [redacted] :I acknowledge receipt of the October 15, complaint for the above reference accountPlease be advised that NCO has closed as paid in our officePlease note that we have contacted the credit bureaus that we do business with, with our request to delete our listing of the above-referenced account from [redacted] ***'s credit profileSince [redacted] ***'s social security number was not included in the complaint, we cannot be certain that our request will be accurately processed by the credit bureaus notifiedNCO Financial Systems, Inccannot affect a change to how any other company may have listed the above account on [redacted] ***'s credit profileIt is NCO's intent not to have any further communication with [redacted] in reference to the above account.Federal and state law prohibit certain methods of debt collection, and require that we treat you fairlyIf you have a complaint about the way we are collecting your debt, please visit our website at www.ncogroup.com or contact the FTC online at www.ftc.gov; by phone at 1-877-FTC-HELP; or by mail at Pennsylvania Ave., NW, Washington, DC If you want information about your rights when you are contacted by a debt collector, please contact the FTC online at www.ftc.gov-Should I not hear from you within days, I will assume you have all information necessary to complete your investigation and close this matterThanking you for your cooperation, I remain,Very Truly Yours, Cathy BConsumer Affairs Team Lead
September 5, Dear [redacted] :I acknowledge receipt of the August 29, complaint for the referenced consumerI noted that the consumer & has requested validation of the debtI have commenced that process and will be forwarding to you the requested validation, as soon as it is availableDuring this interim time, it is NCO's intent not to contact the consumer regarding this debt.Please be advised that the consumers account balances may be periodically increased due to the addition of accrued interest or other charges as provided in their agreement with the original creditor or as otherwise provided by state lawPlease send future complaints to NCO Financial Systems, Inc., P.OBox 15035, Wilmington, DE 19850-Federal and state law prohibit certain methods of debt collection, and require that we treat you fairlyIf you have a complaint about the way we are collecting your debt, please visit our website at www.ncogroup.com or contact the FTC online at www.ftc.gov; by phone at 1-877-FTC-HELP; or by mail at Pennsylvania Ave., NW, Washington, DC If you want information about your rights when you are contacted by a debt collector, please contact the FTC online at www.ffc.govOur goal is to timely respond to your inquiryIf you have any questions during this interim time, please contact Very truly yours, Cathy B Consumer Affairs Team Lead
[To assist us in bringing this matter to a close, you must give us a reason why you are rejecting the responseIf no reason is received your complaint will be closed Administratively Resolved] Complaint: [redacted] I am rejecting this response because: I received a phone call from [redacted] of NCO, apologizing repeatedly for their handling of this matterShe informed me that I would receive an updated and itemized bill in several daysI received said bill Monday June 30thThe return address on the envelope is: [redacted] , Mo***NCO is indicating to you that they are not dealing with me, but I assure you they areI have forwarded the bill along with a claim form to [redacted] When the check for $arrives, it is my intention to immediately forward it to [redacted] ***, they have accepted payments from me in the pastI am not accepting NCO's response at this time because they are not being accurate with youI will pay this bill as soon as possible and do not want NCO to further damage my credit [redacted] assured me they would not report this to the credit bureaus again, if I handle this matter as promisedI will inform you when I have forwarded the checkThank you in advance, and thank you for your help Regards, [redacted] ***
March 4, 2015Dear [redacted] : I acknowledge receipt of the February 25, complaint for the referenced consumerPlease be advised TSI has closed the above account in our officeIt is Transworld's intent not to have any further communication with [redacted] in reference to the above accountIn addition, please be advised that we have contacted the credit bureaus that we do business with, with our request to delete our listing of the above account from [redacted] 's credit profile for the social security number we have listed in our recordsPlease be advised that Transworld Systems cannot affect a change to how any other company may have listed the above account on [redacted] 's credit profileFederal and state law prohibits certain methods of debt collection, and requires that we treat you fairlyIf you have a complaint about the way we are collecting your debt, please visit our website at https://www.transworldpayments.com or contact the FTC online at www.stc.gov; by phone at 1-877-FTC-HELP; or by mail at Pennsylvania Ave., NW, Washington, DC If you want information about your rights when you are contacted by a debt collector, please contact the FTC online at www.fic.govShould I not hear from you within days, I will assume you have all information necessary to complete your investigation and close this matterVery Truly Yours,Cathy BConsumer Affairs Team Lead
June 6, 2014Dear [redacted] : I acknowledge receipt of the May 19, complaint for the above referenced.accountPlease be advised that NCO has closed the referenced account in our officeIt is NCO'sintent not to have any further communication with [redacted] in reference to the above accountFederal and state law prohibit certain methods of debt collection, and require that we treat you fairlyIf you have a complaint about the way we are collecting your debt, please visit our website at www.ncogroup.com or contact the FTC online at www.ftc.gov; by phone at 1-877-FTC-HELP; or by mail at Pennsylvania Ave., NW, Washington, DC If you want information about your rights when you are contacted by a debt collector, please contact the FTC online at www.ftc.gov.Should I not hear from you within days, I will assume you have all information necessary to complete your investigation and close this matterThanking you for your cooperation, I remain, [redacted] Consumer Affairs Team LeadIn the event that your office should forward this letter to the consumer: This is an attempt to collect a debtAny information obtained will be used for that purposeThis is a communication from a debt collector.Calls to or from NCO Financial Systems, Incmay be monitored or recorded for quality assurance.Strictly Confidential- Proprietary Company Information - Not Subject to Disclosure.NCOVery truly yours,
June 2, 2016Dear [redacted] ,In response to the update from [redacted] ’sOur client felt it was necessary to respond to the comment concerning the credit bureauPlease be advised that the above-referenced account is now closed in our officeFurther inquiry regarding the underlying debt may be directed to [redacted] at the following telephone number [redacted] .Sincerely,Marcelle L
June 26, 2014Dear [redacted] :I acknowledge receipt of your June 24, letter for the above consumerPlease be advised that NCO has searched its databases using the information supplied by the consumer and was unable to identify the specific account that is the subject of the consumer's complaintShould [redacted] receive any additional telephone calls from NCO Financial Systems, Inc., please have her request our reference number, and provide that information to me at the phone number listed above.Until such information is received, as noted, we cannot proceed with the research regarding this complaintPlease forward the requested information to the attention ofthe undersigned at: NCO Financial Systems, Inc., P.OBox 15035, Wilmington, DE 19850.Consumer Affairs Team LeadCalls to or from NCO Financial Systems, Incmay be monitored or recorded for quality assuranceStrictly Confidential- Proprietary Company Information - Not Subject to Disclosure.Very truly yours,
July 30, Dear [redacted] :I acknowledge receipt of your July 28, letter for the above consumerPlease be advised that NCO has searched its databases using the information supplied by the consumer and was unable to identify the specific account that is the subject of the consumer's complaintIn order for us to move forward, we need specific identifying information including, but not limited to: the consumer’s full name and social security number; the name of the original creditor; the creditor’s account number or reference number; the billing address of the account; and, any other specific information relating to the consumer so that a full search can be completedIn order to further investigate your complaint, NCO requests that [redacted] forward a copy of his most recent credit report displaying NCO's listing.Federal and state law prohibits certain methods of debt collection, and requires that we treat you fairlyIf you have a complaint about the way we are collecting your debt, please visit our website at www.ncogroup.com or contact the FTC online at www.fic.gov; by phone at 1-877-FTC-HELP, or by mail at Pennsylvania Ave., NW, Washington, DC If you want infoqqrmation about your rights when you are contacted by a debt collector, please contact the FTC online at www.ftc.govUntil such information is received, as noted, we cannot proceed with the research regarding this complaintPlease forward the requested information to the attention of the undersigned at: NCO Financial Systems, Inc., P.OBox 15035, Wilmington, DE 19850.Very truly yours, Cathy B Consumer Affairs Team Lead
October 23, 2014Dear [redacted] : I acknowledge receipt of your October 15, letter for the above matterPlease be advised that since the account validation materials relate to medical issues, NCO will not forward these documents to you, so that there is no potential violation of federal or state privacy lawsThese materials have been forwarded to the consumer.In addition, please be advised that we have contacted the credit bureaus that we do business with, with our request to delete our listing of the above-referenced accounts from [redacted] ***’s credit profileSince [redacted] ***’s Social Security number was not included in the complaint, we cannot be certain that our request will be accurately processed by the credit bureaus notifiedNCO Financial Systems, Inccannot affect a change to how any other company or entity may have listed the accounts on [redacted] ***’s credit profileNCO has transferred your account to a special collection unitThe consumer may contact Diane C [redacted] directly at ###-###-#### to discuss the status of the above accountsFederal and state law prohibits certain methods of debt collection, and requires that we treat you fairlyIf you have a complaint about the way we are collecting your debt, please visit our website at www.ncogroup.com or contact the FTC online at www.ftc.gov; by phone at 1-877-FTC-HELP; or by mail at Pennsylvania Ave., NW, Washington, DC If you want information about your rights when you are contacted by a debt collector, please contact the FTC online at www.ftc.govIn the event that your office should forward this letter to the consumer: This is an attempt to collect a debtAny information obtained will be used for that purposeThis is a communication from a debt collectorCalls to or from NCO Financial Systems, Incmay be monitored or recorded for quality assuranceWith the supplied information being forwarded to the consumer, I consider this matter concluded.Very truly yours, Cathy BConsumer Affairs Team Lead
[To assist us in bringing this matter to a close, you must give us a reason why you are rejecting the responseIf no reason is received your complaint will be closed as Answered] Complaint: [redacted] I am rejecting this response because: Sharon, does this mean that the collections through EGS have been halted, and that the account will be closed on your end? ThanksPlease clarify Regards, [redacted]
February 19, Dear ** [redacted] : I acknowledge receipt of the January 28, complaint for the above consumerPlease be advised that the above account is closed in our office as settledPlease note that NCO has advised its client that the account is settled Please be advised that NCO has not reported this matter on consumer's credit profileNCO Financial Systems, Inccannot affect a change to how any other company may have listed the above account on the consumer’s credit profile Federal and state law prohibit certain methods of debt collection, and require that we treat you fairlyIf you have a complaint about the way we are collecting your debt, please visit our website at www.ncogroup.com or contact the FTC online at www.ftc.gov; by phone at 1-877-FTC-HELP; or by mail at Pennsylvania Ave., NW, Washington, DC If you want information about your rights when you are contacted by a debt collector, please contact the FTC online at www.ftc.gov Should I not hear from you within days, I will assume you have all information necessary to complete your investigation and close this matterThanking you for your cooperation, I remain,
March 31, 2014Dear [redacted] :I acknowledge receipt of the March 27, follcomplaint for the above consumerPlease be advised that in order to further investigate [redacted] A [redacted] ’s allegations, NCO requests that [redacted] A [redacted] forward a copy of her most recent credit report displaying NCO’s listing ‘Until such information is received, as noted, we cannot proceed with the research regarding this complaintPlease forward the requested information to the attention of the undersigned at: NCO Financial Systems, Inc., P.OBox 15035, Wilmington, DE Very truly yours,
[To assist us in bringing this matter to a close, you must give us a reason why you are rejecting the responseIf no reason is received your complaint will be closed Administratively Resolved] Complaint: [redacted] I am rejecting this response because:This is a fraud account This debt is not my own I want [redacted] to zero out this account and erase all debt and negative information about this account I want all credit reporting agencies to be notified that this is a fraud account I contacted [redacted] *** *** [redacted] *** [redacted] ###-###-#### She works at Customer Satisfaction & Regulatory Compliance and she stated in a email to me, " We are unable to locate an account under your name with [redacted] Upstate are you able to provide an address where the service was put into your name and have you filed a dispute withNCOFinancial?" This is a fraud account Please remove all negative information with me in regards to this account Regards, [redacted]
September 4, Dear [redacted] : I acknowledge receipt of the August 15, follow up complaint for the above-referenced consumer regarding the above-referenced accountsPlease be advised NCO has made the business decision to close and return account numbers [redacted] - [redacted] and [redacted] so that [redacted] may address her concerns directly with the clientAs such, both accounts are pending closure in NCO's systemNCO will not initiate any further communication with [redacted] regarding these accounts.Federal and state law prohibit certain methods of debt collection, and require that we treat you fairlyIf you have a complaint about the way we are collecting your debt, please visit our website at www.ncogroup.com or contact the FTC online at www.fic.gov; by phone at 1-877-FTC-HELP, or by mail at Pennsylvania Ave., NW, Washington, DC If you want information about your rights when you are contacted by a debt collector, please contact the FTC online atThanking you for your cooperation, I remain,Very truly yours, Very truly yours,Cathy BConsumer Affairs-Team Lead
May 29, Dear [redacted] : - -I acknowledge receipt of May 23, complaint for the above referenced accountsPlease be advised thatNCO has closed the referenced accounts in our office as paid, Please note that we have contacted the credit bureaus that we do business with, with our request to delete our listing of the abovereferenced accounts from [redacted] credit profileSince [redacted] social security number was not included in the complaint, we cannot be certain that our request will be accurately processed by the credit bureaus notifiedIt is NCOs intent not to have any further communication with [redacted] in reference to the above accounts.Federal and state law prohibit certain methods of debt collection, and require that we treat you fairlyIf you have a complaint about the way we are collecting your debt, please visit our website at www.ncogroup.com or contact the FTC online at www.ftc.gov; by phone at 1-877-FTC-HELP; or by mail at Pennsylvania Ave., NW, Washington, DC If you want information about your rights when you are contacted by a debt collector, please contact the FTC online at www.ftc.gov-Should I not hear from you within days, I will assume you have all information necessary to complete your investigation and close this matterThanking you for your cooperation, I remain,
August 21, Dear [redacted] :I acknowledge receipt of the August 5, complaint for the above matterPlease be advised that NCO has closed the referenced accounts as paid in our officePlease be advised that NCO has not reported this matter on consumer's credit profile NCO Financial Systems, Inccannot affect a change to how any other company may have listed the above account on the consumer’s credit profileIt is NCO's intent not to have any further communication with Bonifacio Ramos in reference to the above accountsFederal and state law prohibit certain methods of debt collection, and require that we treat you fairlyIf you have a complaint about the way we are collecting your debt, please visit our website at www.ncogroup.com or contact the FTC online at www.ftc.gov; by phone at 1-877-FTC-HELP; or by mail at Pennsylvania Ave., NW, Washington, DC If you want information about your rights when you are contacted by a debt collector, please contact the FTC online at www.ftc.gov.Should I not hear from you within days, I will assume you have all information necessary to complete your investigation and close this matterThanking you for your cooperation, I remain,Very truly yours, Cathy B Consumer Affairs Team Lead
May 22, 2014Dear [redacted] :I acknowledge receipt of your May 16, follletter for the abovereferenced consumerAs previously stated, NCO has closed the abovereferenced account in our officeIt is NCOs intent not to have any further communication with Thomas Moehring in reference to the above accountFurther inquiries, or validation o materials regarding the above account may be directed to [redacted] of [redacted] Hospital at ###-###-#### or at [redacted] NY ***Federal and state law prohibits certain methods of debt collection, and requires that we treat you fairlyIf you have a complaint about the way we are collecting your debt, please visit our website at www.ncogroup.com or contact the FTC online at www.ftc.gov; by phone at 1-877-FTC-HELP; or by mail at Pennsylvania Ave., | , Washington, DC If you want information about your rights when you are contacted by a debt collector, please contact the FTC online at www.ftc.gov.Should I not hear from you within days, I will assume you have all information necessary to complete your investigation and close this matterThanking you for your cooperation, I remain,Very truly yours,
May 21, Dear [redacted] :I acknowledge receipt of the May 5, complaint for the above matterI understand that [redacted] has requested that NCO cease calling her regarding accounts [redacted] and [redacted] , that have been placed with NCO for collectionPlease be advised that NCO has removed [redacted] -***s telephone number from its systemNCO will place no further calls to [redacted] - [redacted] relating to the above referenced accounts We have taken the information the consumer has provided to us very seriously and appreciate your efforts in bringing her concerns to our attentionLet us state at the outset that it is not the policy or the practice of this company to engage in unfair, deceptive or misleading practicesNor are such occurrences toleratedOur employees are trained and are also regularly monitored for compliance purposesPlease assure the consumer that her comments have been thoroughly reviewed and have not been taken lightlyShould it be found that a collector violated NCOs policies and procedures relating to the handling of this account, the collector will be disciplined and retrained regarding NCOs policies and proceduresIn the event that your office should forward this letter to the consumer: This is an attempt to collect a debtAny information obtained will be used for that purposeThis is a communication from a debt collectorCalls to or from NCO Financial Systems, Incmay be monitored or recorded for quality assuranceFederal and state law prohibit certain methods of debt collection, and require that we treat you fairlyIf you have a complaint about the way we are collecting your debt, please visit our website at www.ncogroup.com or contact the FTC online at www.ftc.gov; by phone at 1-877-FTC-HELP; or by mail at Pennsylvania Ave., NW, Washington, DC If you want information about your rights when you are contacted by a debt collector, please contact the FTC online at www.ftc.govShould I not hear from you within days, I will assume you have all information necessary to complete your investigation and close this matterThanking you for your cooperation, I remain,Very truly yours,
December 16, 2014Dear [redacted] : I acknowledge receipt of your November 20, complaint for the referenced consumerPlease be advised that the accounts [redacted] , [redacted] , [redacted] , [redacted] and [redacted] are closed as paid in our officeIt is Transworld's intent not to have any further communication with [redacted] in reference to the above accounts.Please note that account [redacted] remains open in Transworld's systemPlease advise [redacted] to call Andy S [redacted] at ###-###-#### for inquiries regarding account [redacted] Since the account validation materials relate to medical issues, Transworld will not forward these documents to you, so that there is no potential violation of federal or state privacy lawsThese materials have been forwarded to the consumerIn addition, please be advised that we have contacted the credit bureaus that we do business with, with our request to delete our listing of accounts [redacted] , [redacted] , [redacted] , [redacted] from the consumer’s credit profile for the social security number we have listed in our recordsPlease be advised that Transworld has not reported accounts [redacted] and [redacted] this matter on the consumer’s credit profilePlease be advised that Transworld Systems cannot affect a change to how any other company may have listed the above accounts on the consumer’s credit profileFederal and state law prohibits certain methods of debt collection, and requires that we treat you fairlyIf you have a complaint about the way we are collecting your debt, please visit our website at www.transworldpayments.com or contact the FTC online at www.ftc.gov; by phone at 1-877-FTC-HELP; or by mail at Pennsylvania Ave., NW, Washington, DC If you want information about your rights when you are contacted by a debt collector, please contact the FTC online at www.ftc.gov.Should I not hear from you within days, I will assume you have all information necessary to complete your investigation and close this matter.Very Truly Yours,Cathy BConsumer Affairs Team Lead
The "signed" document is bogusIt is the same document several other scavenger collection agency's tried to pass as officialEvery time I dispute the debt they would pass it on to another collection agency I did not go to college in texas and any loan document for a student loan would have been signed before Complaint: [redacted] I am rejecting this response because: Regards, [redacted]
October 16, 2014Dear [redacted] :I acknowledge receipt of the October 15, complaint for the above reference accountPlease be advised that NCO has closed as paid in our officePlease note that we have contacted the credit bureaus that we do business with, with our request to delete our listing of the above-referenced account from [redacted] ***'s credit profileSince [redacted] ***'s social security number was not included in the complaint, we cannot be certain that our request will be accurately processed by the credit bureaus notifiedNCO Financial Systems, Inccannot affect a change to how any other company may have listed the above account on [redacted] ***'s credit profileIt is NCO's intent not to have any further communication with [redacted] in reference to the above account.Federal and state law prohibit certain methods of debt collection, and require that we treat you fairlyIf you have a complaint about the way we are collecting your debt, please visit our website at www.ncogroup.com or contact the FTC online at www.ftc.gov; by phone at 1-877-FTC-HELP; or by mail at Pennsylvania Ave., NW, Washington, DC If you want information about your rights when you are contacted by a debt collector, please contact the FTC online at www.ftc.gov-Should I not hear from you within days, I will assume you have all information necessary to complete your investigation and close this matterThanking you for your cooperation, I remain,Very Truly Yours, Cathy BConsumer Affairs Team Lead