[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 filed a complaint against NCO Group, for illegal practices with placing hard inquiries on my credit fileI received a response letter today through your site from [redacted] Systems, Increquesting a copy of my credit file, and a number of other things that I am not required to supply them with The company name had no connection to the NCO Group which I have filed a claim against with the Revdex.comI am demanding that NCO Group remove the inquiries that I did not in anyway allowThis is preventing me to get an important loan as they have inquiries (hard hits against my credit) I have no idea who the original account would have been with (which they are also requesting)Here is the information that I can provide to them to rectify this situation immediately: [redacted] DOB 7/19/SSN Dates of hard inquiries: [redacted] : 7/29/13, 10/14/13, 11/4/2013, 11/11/ [redacted] : 7/29/13, 10/14/13, 11/4/ Regards, [redacted]
December 1, 2014Dear [redacted] : I acknowledge receipt of the November 18, complaint for the referenced consumerTransworld has closed the referenced accounts in our officePlease be advised that Transworld has not reported this matter on [redacted] 's credit profile Please be advised that Transworld Systems cannot affect a change to how any other company may have listed the above accounts on [redacted] 's credit profileIt is Transworld's intent not to have any further communication with [redacted] in reference to the above accounts.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.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 matterVery Truly Yours, Cathy B Consumer Affairs Team Lead
[A default letter is provided here which indicates your acceptance of the business's response If you wish, you may update it before sending it.] Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and find that this resolution is satisfactory to me Regards, Kristen ***
December 12, Dear [redacted] : I acknowledge receipt of your November 21, complaint for the referenced consumerPlease be advised that the above account is on-hold pending closure in our officeIt is Transworld's intent not to have any further communication with *** [redacted] in reference to the above accountFurther inquiries regarding the above account may be directed to [redacted] ***, Baltimore, MD ***.In addition, please note that Transworld has not reported 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 account on the consumer’s credit profile.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.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.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 B Consumer Affairs Team Lead
July 22, 2014Dear [redacted] :I acknowledge receipt of your July 16, letter for the above consumer Please be advised that NCO has closed the - above-referenced accounts in our officeIt is NCO's intent not to have any further communication with [redacted] in reference to the above accounts.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 accounts from the consumer’s credit profile for the social security number we have listed in our recordsPlease be advised that NCO Financial Systems, Inccannot affect a change to how any other company may have listed the above accounts on the consumer’s credit profilePlease note that it may take 45-days for the credit bureau to remove an account from the consumer's credit profile.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., NW, Washington, DCIf 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
I have an NCO collection items showing on my credit reportThe report shows # [redacted] I went to the website and located several erroneous numbersI called one of the numbers in PA and was told by the representative there was nothing on her system showing that I had any collectionsShe gave me many addresses other than where I lived to attempt to locate these chargesShe could not match my identity to any NCO accountShe wanted my social security number and I reply, NOShe transferred me to another departmentThe phone call went to voice mail onlyI would strongly believe that these charges are for some one else of the same name, since the NCO rep could identify others with my name at different address other than my address I need a full documentation of details of the charges showing dates of services, service type, bill to addressIf these statements do not match, I am requesting a full and complete reversal of these charges on my credit report immediatelyThank you
July 2, Dear [redacted] :I acknowledge receipt of your June 16, letter for the above consumerPlease be advised that NCO has closed the above-referenced accounts in our officeIt is NCO's intent not to have any further communication with [redacted] in reference to the above accounts.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 accounts from the consumer’s credit profile for the social security number we have listed in our recordsPlease be advised that NCO Financial Systems, Inccannot affect a change to how any other company may have listed the above account on the consumer’s credit profile.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 NCO’s policies and procedures relating to the handling of this account, the collector will be disciplined and retrained regarding NCO’s policies and procedures.In 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 collectorThis collection agency is licensed by the Tennessee Collection Service Board of the Department of Commerce and Insurance.Calls to or from NCO Financial Systems, Incmay be monitored or recorded for quality assurance.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., 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, ?
December 19, 2014Dear [redacted] : I acknowledge receipt of your December 12, complaint for the referenced consumerPlease be advised that account [redacted] is closed in our officeIt is Transworld's intent not to have any further communication with [redacted] in reference to the above account.Further inquiries regarding the above account may be directed to [redacted] at [redacted] ***, Jacksonville, FL ***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 account from the consumer’s credit profileSince the consumer’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 notifiedPlease be advised that Transworld Systems cannot effect a change to how any other company may have listed the above account from the consumer’s credit profile.Calls to or from Transworld Systems Incmay be monitored or recorded for qualityFederal 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.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 B Consumer Affairs Team Lead
May 13, Dear [redacted] :I acknowledge receipt of the May 5, complaint for the above matterPlease ibe advised, NCO has placed the referenced account in a restrictive status to prevent further collection activity in our officeIt 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 youhave 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,
September 16, Dear [redacted] : I acknowledge receipt of the September 11, complaint for the above referenced consumerPlease be advised, NCO has placed the referenced account in a restrictive status to prevent further collection activity in our officeIt is NCO's intent not to have any further communication with [redacted] in reference to the above accountFurther inquiry regarding the underlying debt may be directed to [redacted] Bank at: Attention: Consumers, P.OBox [redacted] , KS [redacted] .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.fic.gov.Please be advised that the account balance may be periodically increased due to the addition of accrued interest or other charges as provided in the agreement with the original creditor or as otherwise provided by state lawShould I not hear from you within days, I will assume you have all information necessary to complete your investigation and close this matterThank you for your cooperation, I remain,Very truly yours,Cathy B Consumer Affairs Team Lead
June 5, 2014Dear [redacted] :I acknowledge receipt of May 28, complaint for the above referenced accountPlease be advised, NCO has placed the referenced account in a restrictive status to prevent further collection activity in our officeIt is NCOs intent not to have any further communication with [redacted] in reference to the above accountPlease be advised that the account balance may be periodically increased due to the addition of accrued interestor other charges as provided in the agreement with the original creditor or as otherwise provided by state lawFederal 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 matter.Very truly yours,
May 6, 2015Dear [redacted] ,This is in response to your complaint concerning allegations of harassment from NCOBased on my investigation, I can confirm that your account was assigned by Bell to NCO on February 25, for non paymentSeveral unsuccessful attempts were made to contact youThe first confirmed contact occurred on April 8, 2015, according to documentation on the account, you notified our agent that you were aware of the debt and would be seeking to resolve it via the courtsNCO is attempting to collect this debt in goodwill on behalf of our client, we are not aware of the reasons for your dispute nor have I seen any evidence of harassment from the agent.If you feel that you do not owe the outstanding amount of $180.68, please outline the reasons for your dispute and we will review with our client to resolve any discrepancies.Please do not hesitate to contact me should you wish to discuss further.Sincerely,Marcelle L
July 7, Dear [redacted] :I acknowledge receipt of the June 24, complaint for the above referenced accountPlease be advised that NCO has closed the referenced account 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 consumer's credit profile for the social security number we have listed in our records; NCO Financial Systems, Inccannot affect a change to how any other company may have listed the above account on the consumer's; credit profile, it is NCO's intent 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,Very truly yours,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: [redacted] of NCO Finnancial Systems told me via phone that the account was closedEither [redacted] or the representative that wrote the response is lying and is falsely misrepresenting the account The response also does not explain why NCO waited several years to harass my familyThe company's response also does not make up for the fact that I, as well as, my husband were treated very rudely by [redacted] and that she refused to answer our questionsSince [redacted] told me that the account was closed I would like for the account to be closed and documentation proving that the account is closed sent to me Regards, [redacted]
[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 the exact same the letter they did to begin with..obviously they do not read their responses I want a letter addressed to ME, not the Revdex.com stating that this is to be removed from my credit from all three credit bureaus and that this was not a debt that was owed by me nor should have been turned over to my credit in a negative manner I think that is a pretty simple statement and request It is easy for a company to day they are doing something and then not do it If I go so we here to apply for any kind of credit and this shows up on my credit and was t removed for whatever reason, I need a letter addressed to ME that states that so I can give it to them for proof, to protect my credit ratingThank you, Regards, [redacted]
May 1, Dear [redacted] :I acknowledge receipt of the April 30, complaint for the above referenced consumerPlease be advised that NCO has closed the referenced accounts in our officeIt is NCOs intent not to have any furthercommunication with [redacted] in reference to the above referenced 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, Very truly yours,?
July 18, Dear [redacted] :I acknowledge receipt of your June 10, follow up complaint for the above consumer matterEnclosed please find the terms and conditions we receive from the client for the above matterPlease note that NCO and another other entity that attempts to collect on the defaulted balance on [redacted] ***’s loans must follow the creditor’s guidelinesNCO did not deem the loans to be in default and has no control over the default status of the loansPer the agreement with the creditor, once the creditor deems the loans to be in default, the loans remain in defaultNeither NCO nor any other entity collecting on these loans has the authority to remove the default status of the loans.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
March 26, 2014Dear ** [redacted] : I acknowledge receipt of the March 17, complaint for the referenced consumerIn order to further investigate [redacted] E [redacted] ’s allegations NCO requests that [redacted] E [redacted] forward a copy of his 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, DH Very truly yours,
November 25, Dear [redacted] Expert Global Solutions, Incis a mortgage credit reporting company, providing credit reports and associated products and services to mortgage brokers, banks and lenders, across the countryOn 6/7/(date of inquiry), our client [redacted] , accessed [redacted] ***’s credit report electronically via our website [redacted] is located at [redacted] Fort Worth, TX [redacted] and their phone number is ###-###-####.Our clients access credit on individuals applying for a mortgage, home equity loan/line of credit or to re-finance an existing loanHowever, if [redacted] believes she had no contact with our client prior to the inquiry date or if she did not give them authorization to access her credit, please advise her to contact us so that we can further investigate this matter§ Permissible purposes of consumer reports [U.S.C§ 1681b] A consumer reporting agency may furnish a consumer report under the following circumstances and no other: (3) To a person which it has reason to believe - (A) intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer; If [redacted] believes that she may be a victim of identity theft, we recommend that she contact the credit reporting agencies in order to:• Add a security alert statement to [redacted] ***’s credit file at all three national credit reporting agencies, [redacted] ***, [redacted] , and [redacted] The alert will remain on [redacted] ***’s credit file for days [redacted] only needs to contact one of the three national credit reporting agencies below; her request will be shared electronically with the other two repositories.• Remove her name from pre-approved offers of credit mailing lists for approximately months.• Receive a free copy of her credit report[redacted] Credit Information Services, IncP.OBox [redacted] Atlanta, GA [redacted] http://www[redacted] .com ###-###-#### [redacted] Credit Bureau P.OBox [redacted] Chester, PA [redacted] http://www[redacted] .com/myoptions ###-###-#### [redacted] P.OBox [redacted] Allen, TX http://www[redacted] .com/consumer ###-###-####Please let me know if we can be of any further assistance Yours sincerely,Shane
February 18, Dear ** [redacted] : I acknowledge receipt of the February 6, complaint for the referenced consumerPlease be advised that the above-referenced account is on hold pending closure in our officeIt is NCO's intent not to have any further communication with [redacted] in reference to the above account In addition, we have contacted the credit bureaus that we do business with, with our request to delete our listing of the above-referenced account from the consumer’s credit profile for the social security number we have listed in our recordsPlease be advised that NCO Financial Systems, Inccannot affect a change to how any other company may have listed the above account on the consumer’s credit profile Please be advised that NCO has issued a refund in the amount of $on February 7, 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 -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.flc.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,
[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 filed a complaint against NCO Group, for illegal practices with placing hard inquiries on my credit fileI received a response letter today through your site from [redacted] Systems, Increquesting a copy of my credit file, and a number of other things that I am not required to supply them with The company name had no connection to the NCO Group which I have filed a claim against with the Revdex.comI am demanding that NCO Group remove the inquiries that I did not in anyway allowThis is preventing me to get an important loan as they have inquiries (hard hits against my credit) I have no idea who the original account would have been with (which they are also requesting)Here is the information that I can provide to them to rectify this situation immediately: [redacted] DOB 7/19/SSN Dates of hard inquiries: [redacted] : 7/29/13, 10/14/13, 11/4/2013, 11/11/ [redacted] : 7/29/13, 10/14/13, 11/4/ Regards, [redacted]
December 1, 2014Dear [redacted] : I acknowledge receipt of the November 18, complaint for the referenced consumerTransworld has closed the referenced accounts in our officePlease be advised that Transworld has not reported this matter on [redacted] 's credit profile Please be advised that Transworld Systems cannot affect a change to how any other company may have listed the above accounts on [redacted] 's credit profileIt is Transworld's intent not to have any further communication with [redacted] in reference to the above accounts.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.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 matterVery Truly Yours, Cathy B Consumer Affairs Team Lead
[A default letter is provided here which indicates your acceptance of the business's response If you wish, you may update it before sending it.] Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and find that this resolution is satisfactory to me Regards, Kristen ***
December 12, Dear [redacted] : I acknowledge receipt of your November 21, complaint for the referenced consumerPlease be advised that the above account is on-hold pending closure in our officeIt is Transworld's intent not to have any further communication with *** [redacted] in reference to the above accountFurther inquiries regarding the above account may be directed to [redacted] ***, Baltimore, MD ***.In addition, please note that Transworld has not reported 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 account on the consumer’s credit profile.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.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.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 B Consumer Affairs Team Lead
July 22, 2014Dear [redacted] :I acknowledge receipt of your July 16, letter for the above consumer Please be advised that NCO has closed the - above-referenced accounts in our officeIt is NCO's intent not to have any further communication with [redacted] in reference to the above accounts.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 accounts from the consumer’s credit profile for the social security number we have listed in our recordsPlease be advised that NCO Financial Systems, Inccannot affect a change to how any other company may have listed the above accounts on the consumer’s credit profilePlease note that it may take 45-days for the credit bureau to remove an account from the consumer's credit profile.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., NW, Washington, DCIf 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
I have an NCO collection items showing on my credit reportThe report shows # [redacted] I went to the website and located several erroneous numbersI called one of the numbers in PA and was told by the representative there was nothing on her system showing that I had any collectionsShe gave me many addresses other than where I lived to attempt to locate these chargesShe could not match my identity to any NCO accountShe wanted my social security number and I reply, NOShe transferred me to another departmentThe phone call went to voice mail onlyI would strongly believe that these charges are for some one else of the same name, since the NCO rep could identify others with my name at different address other than my address I need a full documentation of details of the charges showing dates of services, service type, bill to addressIf these statements do not match, I am requesting a full and complete reversal of these charges on my credit report immediatelyThank you
July 2, Dear [redacted] :I acknowledge receipt of your June 16, letter for the above consumerPlease be advised that NCO has closed the above-referenced accounts in our officeIt is NCO's intent not to have any further communication with [redacted] in reference to the above accounts.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 accounts from the consumer’s credit profile for the social security number we have listed in our recordsPlease be advised that NCO Financial Systems, Inccannot affect a change to how any other company may have listed the above account on the consumer’s credit profile.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 NCO’s policies and procedures relating to the handling of this account, the collector will be disciplined and retrained regarding NCO’s policies and procedures.In 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 collectorThis collection agency is licensed by the Tennessee Collection Service Board of the Department of Commerce and Insurance.Calls to or from NCO Financial Systems, Incmay be monitored or recorded for quality assurance.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., 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, ?
December 19, 2014Dear [redacted] : I acknowledge receipt of your December 12, complaint for the referenced consumerPlease be advised that account [redacted] is closed in our officeIt is Transworld's intent not to have any further communication with [redacted] in reference to the above account.Further inquiries regarding the above account may be directed to [redacted] at [redacted] ***, Jacksonville, FL ***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 account from the consumer’s credit profileSince the consumer’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 notifiedPlease be advised that Transworld Systems cannot effect a change to how any other company may have listed the above account from the consumer’s credit profile.Calls to or from Transworld Systems Incmay be monitored or recorded for qualityFederal 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.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 B Consumer Affairs Team Lead
May 13, Dear [redacted] :I acknowledge receipt of the May 5, complaint for the above matterPlease ibe advised, NCO has placed the referenced account in a restrictive status to prevent further collection activity in our officeIt 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 youhave 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,
September 16, Dear [redacted] : I acknowledge receipt of the September 11, complaint for the above referenced consumerPlease be advised, NCO has placed the referenced account in a restrictive status to prevent further collection activity in our officeIt is NCO's intent not to have any further communication with [redacted] in reference to the above accountFurther inquiry regarding the underlying debt may be directed to [redacted] Bank at: Attention: Consumers, P.OBox [redacted] , KS [redacted] .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.fic.gov.Please be advised that the account balance may be periodically increased due to the addition of accrued interest or other charges as provided in the agreement with the original creditor or as otherwise provided by state lawShould I not hear from you within days, I will assume you have all information necessary to complete your investigation and close this matterThank you for your cooperation, I remain,Very truly yours,Cathy B Consumer Affairs Team Lead
June 5, 2014Dear [redacted] :I acknowledge receipt of May 28, complaint for the above referenced accountPlease be advised, NCO has placed the referenced account in a restrictive status to prevent further collection activity in our officeIt is NCOs intent not to have any further communication with [redacted] in reference to the above accountPlease be advised that the account balance may be periodically increased due to the addition of accrued interestor other charges as provided in the agreement with the original creditor or as otherwise provided by state lawFederal 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 matter.Very truly yours,
May 6, 2015Dear [redacted] ,This is in response to your complaint concerning allegations of harassment from NCOBased on my investigation, I can confirm that your account was assigned by Bell to NCO on February 25, for non paymentSeveral unsuccessful attempts were made to contact youThe first confirmed contact occurred on April 8, 2015, according to documentation on the account, you notified our agent that you were aware of the debt and would be seeking to resolve it via the courtsNCO is attempting to collect this debt in goodwill on behalf of our client, we are not aware of the reasons for your dispute nor have I seen any evidence of harassment from the agent.If you feel that you do not owe the outstanding amount of $180.68, please outline the reasons for your dispute and we will review with our client to resolve any discrepancies.Please do not hesitate to contact me should you wish to discuss further.Sincerely,Marcelle L
July 7, Dear [redacted] :I acknowledge receipt of the June 24, complaint for the above referenced accountPlease be advised that NCO has closed the referenced account 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 consumer's credit profile for the social security number we have listed in our records; NCO Financial Systems, Inccannot affect a change to how any other company may have listed the above account on the consumer's; credit profile, it is NCO's intent 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,Very truly yours,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: [redacted] of NCO Finnancial Systems told me via phone that the account was closedEither [redacted] or the representative that wrote the response is lying and is falsely misrepresenting the account The response also does not explain why NCO waited several years to harass my familyThe company's response also does not make up for the fact that I, as well as, my husband were treated very rudely by [redacted] and that she refused to answer our questionsSince [redacted] told me that the account was closed I would like for the account to be closed and documentation proving that the account is closed sent to me Regards, [redacted]
[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 the exact same the letter they did to begin with..obviously they do not read their responses I want a letter addressed to ME, not the Revdex.com stating that this is to be removed from my credit from all three credit bureaus and that this was not a debt that was owed by me nor should have been turned over to my credit in a negative manner I think that is a pretty simple statement and request It is easy for a company to day they are doing something and then not do it If I go so we here to apply for any kind of credit and this shows up on my credit and was t removed for whatever reason, I need a letter addressed to ME that states that so I can give it to them for proof, to protect my credit ratingThank you, Regards, [redacted]
May 1, Dear [redacted] :I acknowledge receipt of the April 30, complaint for the above referenced consumerPlease be advised that NCO has closed the referenced accounts in our officeIt is NCOs intent not to have any furthercommunication with [redacted] in reference to the above referenced 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, Very truly yours,?
July 18, Dear [redacted] :I acknowledge receipt of your June 10, follow up complaint for the above consumer matterEnclosed please find the terms and conditions we receive from the client for the above matterPlease note that NCO and another other entity that attempts to collect on the defaulted balance on [redacted] ***’s loans must follow the creditor’s guidelinesNCO did not deem the loans to be in default and has no control over the default status of the loansPer the agreement with the creditor, once the creditor deems the loans to be in default, the loans remain in defaultNeither NCO nor any other entity collecting on these loans has the authority to remove the default status of the loans.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
March 26, 2014Dear ** [redacted] : I acknowledge receipt of the March 17, complaint for the referenced consumerIn order to further investigate [redacted] E [redacted] ’s allegations NCO requests that [redacted] E [redacted] forward a copy of his 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, DH Very truly yours,
November 25, Dear [redacted] Expert Global Solutions, Incis a mortgage credit reporting company, providing credit reports and associated products and services to mortgage brokers, banks and lenders, across the countryOn 6/7/(date of inquiry), our client [redacted] , accessed [redacted] ***’s credit report electronically via our website [redacted] is located at [redacted] Fort Worth, TX [redacted] and their phone number is ###-###-####.Our clients access credit on individuals applying for a mortgage, home equity loan/line of credit or to re-finance an existing loanHowever, if [redacted] believes she had no contact with our client prior to the inquiry date or if she did not give them authorization to access her credit, please advise her to contact us so that we can further investigate this matter§ Permissible purposes of consumer reports [U.S.C§ 1681b] A consumer reporting agency may furnish a consumer report under the following circumstances and no other: (3) To a person which it has reason to believe - (A) intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer; If [redacted] believes that she may be a victim of identity theft, we recommend that she contact the credit reporting agencies in order to:• Add a security alert statement to [redacted] ***’s credit file at all three national credit reporting agencies, [redacted] ***, [redacted] , and [redacted] The alert will remain on [redacted] ***’s credit file for days [redacted] only needs to contact one of the three national credit reporting agencies below; her request will be shared electronically with the other two repositories.• Remove her name from pre-approved offers of credit mailing lists for approximately months.• Receive a free copy of her credit report[redacted] Credit Information Services, IncP.OBox [redacted] Atlanta, GA [redacted] http://www[redacted] .com ###-###-#### [redacted] Credit Bureau P.OBox [redacted] Chester, PA [redacted] http://www[redacted] .com/myoptions ###-###-#### [redacted] P.OBox [redacted] Allen, TX http://www[redacted] .com/consumer ###-###-####Please let me know if we can be of any further assistance Yours sincerely,Shane
February 18, Dear ** [redacted] : I acknowledge receipt of the February 6, complaint for the referenced consumerPlease be advised that the above-referenced account is on hold pending closure in our officeIt is NCO's intent not to have any further communication with [redacted] in reference to the above account In addition, we have contacted the credit bureaus that we do business with, with our request to delete our listing of the above-referenced account from the consumer’s credit profile for the social security number we have listed in our recordsPlease be advised that NCO Financial Systems, Inccannot affect a change to how any other company may have listed the above account on the consumer’s credit profile Please be advised that NCO has issued a refund in the amount of $on February 7, 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 -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.flc.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,