May 14, Dear [redacted] :I acknowledge receipt of your May , letter for the above consumerPlease be that NCO has closed the abovereferenced accounts in our officeIt is NCOs intent not to have any further communication with [redacted] in reference to the above accountsFurther inquiries regarding the above accounts may be directed to [redacted] at [redacted] , TX [redacted] .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 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,
January 6, 2015I acknowledge receipt of the December 31, complaint for the referenced consumerPlease be advised, Transworld Systems, Inc(TSI) has closed the referenced account in our officeIt is TSI's intent not to have any further communication with [redacted] in reference to the above account, since [redacted] is not the responsible consumer.According to our files, we have not reported the above-referenced account to a credit bureauTransworld Systems, Inccannot effect a change to how any other company or entity may have listed the account on your credit profile.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
[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, [redacted]
August 5, 2014Dear [redacted] :I acknowledge receipt of the July 8, complaint for the above-referenced consumer regarding the abovereferenced accountsPlease be advised [redacted] complaint relates to federal defaulted student loan accounts that NCO is handling on behalf of the U.SDepartment of Education (ED) for [redacted] ***, NCO's account notes reflect that in November 2012, ED placed two defaulted student loans with NCO to collectNCO handled these accounts under NCO account numbers [redacted] and [redacted] In February 2013, NCO was notified that [redacted] consolidated these loansAs such, NCO updated the accounts to reflect that there was a zero balance due and ceased collection activityAccounts [redacted] and [redacted] went inactive in NCO’s system in May NCO did not attempt to collect on these accounts after NCO updated the accounts to reflect that they were consolidatedAccording to NCO's account notes, in May and June 2014, [redacted] spoke with NCO representatives who correctly advised her that NCO was no longer handling the accounts and advised her to contact ED.On July 1, 2014, ED placed two defaulted student loan accounts with NCO to collectNCO entered these accounts into NCO’s system under account numbers [redacted] and [redacted] Per NCO's records, it appears that these two accounts consist of loans that [redacted] had previously consolidatedThe creditor deemed these loans to be in default in January due to nonpaymentAs such, the loans were forwarded to NCO to perform collection activityNCO has requested the promissory notes from ED regarding the loansI will forward to you the requested validation as soon as it is availableDuring this interim time, it is NCO's intent not to contact [redacted] regarding the above-referenced accountsPlease note that interest and fees are being applied to the loans in accordance with the terms and conditions of your promissory notes or as otherwise provided by applicable state and/or federal lawsNCO’s account notes do not reflect that NCO placed excessive calls nor do the notes reflect that any representatives mistreated [redacted] while handling these accountsNCO updated [redacted] accounts to prevent NCO from placing calls and has transferred the accounts to a managers unit [redacted] may contact an NCO manager directly at ###-###-#### regarding the status of her 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 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: they do not answer why even after 9pm they have called a total of times a day using various numbers registered to them, please advise them next time for future purposes its called harassment and they can and will be sued and prosecuted to the fullest extent of the law , for more reference to this company [redacted] to see every americans complaint on this sham of a company Regards, [redacted]
May 13, Dear ** [redacted] :I acknowledge receipt of the April 15, complaint for the above referenced consumerWe have noted our records that [redacted] ’s place of employment is not the correct contact for the individual we are attempting to locateIt is NCO’s intent not to have any further communication with [redacted] or her place of employment in relation to the above matter.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,
Complaint: [redacted] I am rejecting this response because:---------- Forwarded message ----------From: Revdex.com of Metro Washington DC Date: Wed, Sep 17, at 9:AMSubject: Fwd: You have a new message from the Revdex.com of Metro Washington DC & Eastern Pennsylvania in regards to your complaint # [redacted] .To: [redacted] < [redacted] > ---------- Forwarded message ---------- From: *** [redacted] > Date: Tue, Sep 16, at 3:PM Subject: Re: You have a new message from the Revdex.com of Metro Washington DC & Eastern Pennsylvania in regards to your complaint # [redacted] To: "[email protected]" I received you'd answer to my complaint but u don't understand what they are saying all I wanted was to be able to pay my credit card monthly with what I could afford Can I so that? [redacted] Sent from my iPhone Regards, [redacted]
March 5, Dear ** [redacted] : I acknowledge receipt of the February 21, complaint for the above matterPlease be advised that NCO closed the account [redacted] -(*)- [redacted] as paid in our officeI understand that the consumer requested that NCO cease calling them regarding the above accounts that have been placed with NCO for collectionPlease be advised that NCO has removed consumer's telephone number from its systemNCO will place no further calls to the consumer to the above referenced accounts 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 consumerWith the supplied information being forwarded to the consumer, I consider this matter concluded Please note that the account remains open in NCO’s systemThe consumer’s accounts have been transferred to a special collection unitPlease advise to contact Patti Booker, toll-free at ###-###-#### relating to the accounts 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 collectorCalls to or from NCO Financial Systems, Incmay be monitored or recorded for quality assuranceStrictly Confidential-Proprietary Company Information - Not Subject to Disclosure 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.flc.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 matterThan [redacted] you for your cooperation, I remain, Very truly yours,
September 10, Dear [redacted] :Following up on my September 05, letter, enclosed is the validation requested by [redacted] Please note, the account remains open in NCO's systemPlease advise [redacted] to contact Angelia C [redacted] at ( [redacted] , relating to the accountPlease 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 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.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 at www.ftc.govWith the supplied information, I consider this matter concluded,Very truly yours, Cathy B Consumer Affairs Team Lead
November 21, 2014Dear [redacted] : I acknowledge receipt of your October 24, complaint regarding the abovereferenced accountsPlease be advised Transworld Systems, Inc(TSI) account notes do not substantiate [redacted] ***’s allegations of misconductAccording to TSI’s account notes, TSI began servicing [redacted] ***’s accounts on August 29, On September 2, 2013, TSI mailed [redacted] an initial notice relating to these accountsTSI placed several calls to [redacted] in a good faith effort to collect on the accounts, but was unable to make contact with [redacted] until January 22, 2014.On January 22, 2014, TSI spoke with [redacted] regarding these accountsAccount records reflect that settlement discussion was heldBased on TSI’s client's guidelines, a TSI representative advised [redacted] of the settlement available on her accounts; however, a settlement arrangement was not reachedOn February 28, 2014, a Treasury Offset Program payment was received on the accounts.TSI records reflect that further communications were held relating to a possible settlement on these accounts; however, a settlement was not reachedOn April 28, 2014, [redacted] indicated to TSI that she was no longer interested in settling the accounts [redacted] agreed to enter into a $monthly payment plan [redacted] ***’s payments were set up to be processed on the 28th of each monthA payment for $was processed on 4/28/2014, 5/28/2014, 6/28/& 7/28/On August 28, 2014, TSI was unable to process [redacted] ***’s payment, since the payment was declined by the credit card company, TSI attempted to reach [redacted] relating to her payment; however, the number on file was disconnectedTSI attempted to process [redacted] ***’s September payment, but this payment was also declined by the credit card companyOn October 3, 2014, TSI received a call from [redacted] ***TSI updated the account with a new telephone number [redacted] informed TSI that she lost her credit card, which caused her payments to be denied.On October 6, 2014, TSI received a call from [redacted] indicating that she wanted to set up an allotment to pay these accountsDuring this call, [redacted] requested TSI's bank account information be sent to her in writingThe representative handling the call advised [redacted] that he could provide her with the account information for TSI, but that he did not have information in writingThe representative asked [redacted] to contact his supervisor so that she could assist her with her request for written information on TSI's bank account numberTSI's records do not reflect that the TSI supervisor received a call from [redacted] regarding this accountOn October 24, 2014, TSI received this inquiryPlease note that [redacted] ***’s accounts may be subject to a Treasury Offset Program (TOP), which is administered by the Department of Treasury, to collect delinquent debts owed to federal agencies and states, in accordance with U.S.C§ 6402(d), U.S.C§ 3720A, and other applicable lawsTSI has no involvement with this programAlso, [redacted] ***’s accounts may be subject to an Administrative Wage Garnishment (AWG); however, at this time, the AWG process has not been implemented for [redacted] ***’s accountsFurther, in connection with [redacted] ***’s request to set up allotment payments to these accounts, please note that in our experience, some consumers have been unable to successfully set up allotments because the consumer's account number is not provided when the payment is receivedThis may cause issues locating the appropriate account and applying the payment to the proper accountWe recommend that [redacted] make payments via mail, including her account numbers on her payment, to the following address: Transworld Systems Inc., PO Box 15110, Wilmington, DE Please note that due to security concerns, I am unable to provide the bank account information in writing; however, [redacted] may contact Loren V [redacted] at [redacted] to obtain assistance with this requestMrV [redacted] may assist [redacted] in setting a minimum “test” payment and providing her with a payment history so that we can ensure that her payments are being properly applied to her accounts.TSI's account notes do not reflect that [redacted] previously requested validation materials or a payment history regarding these accountsEnclosed for your review is validation information and a payment history for [redacted] ***’s accountsGiven [redacted] ***’s request, her accounts have been marked to prevent further callsPlease 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 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.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.govWhile we have complied with federal law, factors beyond our control may prohibit us from confirming or denying the presence of inaccurate information within the time frame prescribed by state lawWe may not have sufficient time to complete an investigation of the alleged inaccuracyVery truly yours, Cathy BConsumer Affairs Team Lead
October 22, Dear [redacted] : I acknowledge receipt of your October 16, letter for the above matterPlease be advised that NCO has closed the above-referenced accounts as paid 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-referenced accounts from [redacted] '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 [redacted] 's credit profilePlease note that it may take 30-days to delete 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.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, Cathy B Consumer Affairs Team Lead
m146497e303af884b adP adO" May 28, Dear [redacted] : I acknowledge receipt of May 14, complaint for the above matterPlease be advised that NCO has closed the referenced accounts in our office as paidPlease 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 profile for the social security number we have listed in our recordsNCO Financial Systems, Inccannot affect a change to how any other company may have listed the above accounts on [redacted] credit profileIt 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.ficgov; 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,
[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: the statement of facts submitted by NCO is completely inaccurate I have been contacted numerous times throughout about the two defaulted student loans in questions Additionally, I have been contacted by representatives who have used menacing, threatening and intimidating tones that were totally unnecessary Just prior to sending this complaint to Revdex.com, I attempted to contact NCO to discuss alternatives and was transferred to three different offices -- two of which are the subject of the behavior I have described NCO's business practices should be investigated -- I am amazed that NCO would state in writing that they did NOT contact me about the loans and that I, in turn, contacted them I am sure they have records to the contrary This is NOT an acceptable response to my concerns not even an apology for the agreggious behavior of their representatives Apparently, I am dealing with a systemic problem that NCO chooses to ignore Regards, [redacted] ***
October 27, 2014Dear [redacted] : I acknowledge receipt of your September 30, 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 consumerIt is NCO's intent not to have any further communication with [redacted] in reference to the above account.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 account from Stefanie Williams' 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 [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 account.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 collectorCalls to or from NCO Financial Systems, Incmay be monitored or recorded for quality assuranceFederal 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.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, Cathy B Consumer Affairs Team Lead
July 31, Dear [redacted] : I acknowledge receipt of your July 21, letter for the above consumerPlease be advised that NCO hasclosed the above-referenced account in our officeIt is NCO'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-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 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.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 [redacted] Consumer Affairs Team Lead
November 13, 2014Dear [redacted] :We appreciate the opportunity to respond to the above-referenced complaint, forwarded from NCO [redacted] ***(“***") is a loan servicing and payment processing company that is committed to resolving customer service issues in a cooperative and expeditious manner.Please note that [redacted] is servicing [redacted] ***’s ***/ [redacted] account number [redacted] and [redacted] / [redacted] account number [redacted] As such, we are responding to [redacted] ***’s complaint that was directed to NCO Financial Systems Inc (NCO) and we have worked with NCO to form this responseHaving researched this matter, please consider the following:As previously stated, in July [redacted] financed $12,for the purchase of a [redacted] On May 15, 2009, the servicing of [redacted] ***’s deficiency account balance was transferred to [redacted] and was past due for his November 10, scheduled payment due date [redacted] ***’s delinquent account was placed with NCO for collections effortsAccording to our records, promissory loan check # [redacted] ( [redacted] Power Check) was issued to [redacted] ***The check was a blank check that was filled out by [redacted] ***, including the “Pay to the Order of, for the purchase of the above referenced vehicle as was listed on the loan check by the vehicle identification number (VIN).As a courtesy, [redacted] has contacted the credit bureaus which it does business with and requested that its listings of ***/ [redacted] account number [redacted] and [redacted] / [redacted] account number [redacted] , be deleted from [redacted] ***’s credit profilePlease allow sufficient time for the credit bureaus to processPlease be advised that [redacted] cannot affect how any other entity listed these accounts on [redacted] ***’s credit profile.If you have any further questions, please contact me directly at (***) [redacted] , ext ***Very truly yours, Christina H Resolution Representative [redacted] ***
August 25, Dear [redacted] : I acknowledge receipt of your August 13, letter for the above consumerEnclosed is the validation requested by [redacted] ***These materials have also been forwarded to [redacted] ***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 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 or entity may have listed the account on [redacted] ***’s credit profile.Further inquiries regarding the above account may be directed to Kim Hettinger, an NCO manager directly at ###-###-####.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 law.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,Cathy B
January 4, 2017Dear [redacted] :I acknowledge receipt of the January 4, complaint for the referenced consumerEGS 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 EGS Financial Care, Inc., please have her request our reference number and provide that information to me at the phone number listed above.EGS has no record of [redacted] ' telephone number in our databases; however, as a precaution upon receipt of her complaint, her telephone number was added to our do not call list,In addition, please provide the telephone numbers that [redacted] is receiving calls from.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.egscorp.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.Very Truly Yours,Sharon W.Manager, Operations & Compliance Support
February 28, 2017Dear [redacted] :I acknowledge receipt of the February 28, follcomplaintEGS Financial Care, Inc(EGS) has closed the referenced account in our office.Our records indicate that EGS placed two phone calls to [redacted] 's telephone number was added to our Do Not Call listShould [redacted] receive any additional telephone calls from EGS, please have her request our reference number and provide that information to me at the phone number listed above.It is EGS's intent not to have any further communication with [redacted] in reference to the above acount.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.egscorp.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.Thanking you for your cooperation, I remain,Very truly yours,Sharon WManager, Operations & Compliance Support
May 14, Dear [redacted] :I acknowledge receipt of your May , letter for the above consumerPlease be that NCO has closed the abovereferenced accounts in our officeIt is NCOs intent not to have any further communication with [redacted] in reference to the above accountsFurther inquiries regarding the above accounts may be directed to [redacted] at [redacted] , TX [redacted] .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 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,
January 6, 2015I acknowledge receipt of the December 31, complaint for the referenced consumerPlease be advised, Transworld Systems, Inc(TSI) has closed the referenced account in our officeIt is TSI's intent not to have any further communication with [redacted] in reference to the above account, since [redacted] is not the responsible consumer.According to our files, we have not reported the above-referenced account to a credit bureauTransworld Systems, Inccannot effect a change to how any other company or entity may have listed the account on your credit profile.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
[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, [redacted]
August 5, 2014Dear [redacted] :I acknowledge receipt of the July 8, complaint for the above-referenced consumer regarding the abovereferenced accountsPlease be advised [redacted] complaint relates to federal defaulted student loan accounts that NCO is handling on behalf of the U.SDepartment of Education (ED) for [redacted] ***, NCO's account notes reflect that in November 2012, ED placed two defaulted student loans with NCO to collectNCO handled these accounts under NCO account numbers [redacted] and [redacted] In February 2013, NCO was notified that [redacted] consolidated these loansAs such, NCO updated the accounts to reflect that there was a zero balance due and ceased collection activityAccounts [redacted] and [redacted] went inactive in NCO’s system in May NCO did not attempt to collect on these accounts after NCO updated the accounts to reflect that they were consolidatedAccording to NCO's account notes, in May and June 2014, [redacted] spoke with NCO representatives who correctly advised her that NCO was no longer handling the accounts and advised her to contact ED.On July 1, 2014, ED placed two defaulted student loan accounts with NCO to collectNCO entered these accounts into NCO’s system under account numbers [redacted] and [redacted] Per NCO's records, it appears that these two accounts consist of loans that [redacted] had previously consolidatedThe creditor deemed these loans to be in default in January due to nonpaymentAs such, the loans were forwarded to NCO to perform collection activityNCO has requested the promissory notes from ED regarding the loansI will forward to you the requested validation as soon as it is availableDuring this interim time, it is NCO's intent not to contact [redacted] regarding the above-referenced accountsPlease note that interest and fees are being applied to the loans in accordance with the terms and conditions of your promissory notes or as otherwise provided by applicable state and/or federal lawsNCO’s account notes do not reflect that NCO placed excessive calls nor do the notes reflect that any representatives mistreated [redacted] while handling these accountsNCO updated [redacted] accounts to prevent NCO from placing calls and has transferred the accounts to a managers unit [redacted] may contact an NCO manager directly at ###-###-#### regarding the status of her 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 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: they do not answer why even after 9pm they have called a total of times a day using various numbers registered to them, please advise them next time for future purposes its called harassment and they can and will be sued and prosecuted to the fullest extent of the law , for more reference to this company [redacted] to see every americans complaint on this sham of a company Regards, [redacted]
My father's name is [redacted]
May 13, Dear ** [redacted] :I acknowledge receipt of the April 15, complaint for the above referenced consumerWe have noted our records that [redacted] ’s place of employment is not the correct contact for the individual we are attempting to locateIt is NCO’s intent not to have any further communication with [redacted] or her place of employment in relation to the above matter.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,
Complaint: [redacted] I am rejecting this response because:---------- Forwarded message ----------From: Revdex.com of Metro Washington DC Date: Wed, Sep 17, at 9:AMSubject: Fwd: You have a new message from the Revdex.com of Metro Washington DC & Eastern Pennsylvania in regards to your complaint # [redacted] .To: [redacted] < [redacted] > ---------- Forwarded message ---------- From: *** [redacted] > Date: Tue, Sep 16, at 3:PM Subject: Re: You have a new message from the Revdex.com of Metro Washington DC & Eastern Pennsylvania in regards to your complaint # [redacted] To: "[email protected]" I received you'd answer to my complaint but u don't understand what they are saying all I wanted was to be able to pay my credit card monthly with what I could afford Can I so that? [redacted] Sent from my iPhone Regards, [redacted]
March 5, Dear ** [redacted] : I acknowledge receipt of the February 21, complaint for the above matterPlease be advised that NCO closed the account [redacted] -(*)- [redacted] as paid in our officeI understand that the consumer requested that NCO cease calling them regarding the above accounts that have been placed with NCO for collectionPlease be advised that NCO has removed consumer's telephone number from its systemNCO will place no further calls to the consumer to the above referenced accounts 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 consumerWith the supplied information being forwarded to the consumer, I consider this matter concluded Please note that the account remains open in NCO’s systemThe consumer’s accounts have been transferred to a special collection unitPlease advise to contact Patti Booker, toll-free at ###-###-#### relating to the accounts 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 collectorCalls to or from NCO Financial Systems, Incmay be monitored or recorded for quality assuranceStrictly Confidential-Proprietary Company Information - Not Subject to Disclosure 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.flc.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 matterThan [redacted] you for your cooperation, I remain, Very truly yours,
September 10, Dear [redacted] :Following up on my September 05, letter, enclosed is the validation requested by [redacted] Please note, the account remains open in NCO's systemPlease advise [redacted] to contact Angelia C [redacted] at ( [redacted] , relating to the accountPlease 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 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.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 at www.ftc.govWith the supplied information, I consider this matter concluded,Very truly yours, Cathy B Consumer Affairs Team Lead
November 21, 2014Dear [redacted] : I acknowledge receipt of your October 24, complaint regarding the abovereferenced accountsPlease be advised Transworld Systems, Inc(TSI) account notes do not substantiate [redacted] ***’s allegations of misconductAccording to TSI’s account notes, TSI began servicing [redacted] ***’s accounts on August 29, On September 2, 2013, TSI mailed [redacted] an initial notice relating to these accountsTSI placed several calls to [redacted] in a good faith effort to collect on the accounts, but was unable to make contact with [redacted] until January 22, 2014.On January 22, 2014, TSI spoke with [redacted] regarding these accountsAccount records reflect that settlement discussion was heldBased on TSI’s client's guidelines, a TSI representative advised [redacted] of the settlement available on her accounts; however, a settlement arrangement was not reachedOn February 28, 2014, a Treasury Offset Program payment was received on the accounts.TSI records reflect that further communications were held relating to a possible settlement on these accounts; however, a settlement was not reachedOn April 28, 2014, [redacted] indicated to TSI that she was no longer interested in settling the accounts [redacted] agreed to enter into a $monthly payment plan [redacted] ***’s payments were set up to be processed on the 28th of each monthA payment for $was processed on 4/28/2014, 5/28/2014, 6/28/& 7/28/On August 28, 2014, TSI was unable to process [redacted] ***’s payment, since the payment was declined by the credit card company, TSI attempted to reach [redacted] relating to her payment; however, the number on file was disconnectedTSI attempted to process [redacted] ***’s September payment, but this payment was also declined by the credit card companyOn October 3, 2014, TSI received a call from [redacted] ***TSI updated the account with a new telephone number [redacted] informed TSI that she lost her credit card, which caused her payments to be denied.On October 6, 2014, TSI received a call from [redacted] indicating that she wanted to set up an allotment to pay these accountsDuring this call, [redacted] requested TSI's bank account information be sent to her in writingThe representative handling the call advised [redacted] that he could provide her with the account information for TSI, but that he did not have information in writingThe representative asked [redacted] to contact his supervisor so that she could assist her with her request for written information on TSI's bank account numberTSI's records do not reflect that the TSI supervisor received a call from [redacted] regarding this accountOn October 24, 2014, TSI received this inquiryPlease note that [redacted] ***’s accounts may be subject to a Treasury Offset Program (TOP), which is administered by the Department of Treasury, to collect delinquent debts owed to federal agencies and states, in accordance with U.S.C§ 6402(d), U.S.C§ 3720A, and other applicable lawsTSI has no involvement with this programAlso, [redacted] ***’s accounts may be subject to an Administrative Wage Garnishment (AWG); however, at this time, the AWG process has not been implemented for [redacted] ***’s accountsFurther, in connection with [redacted] ***’s request to set up allotment payments to these accounts, please note that in our experience, some consumers have been unable to successfully set up allotments because the consumer's account number is not provided when the payment is receivedThis may cause issues locating the appropriate account and applying the payment to the proper accountWe recommend that [redacted] make payments via mail, including her account numbers on her payment, to the following address: Transworld Systems Inc., PO Box 15110, Wilmington, DE Please note that due to security concerns, I am unable to provide the bank account information in writing; however, [redacted] may contact Loren V [redacted] at [redacted] to obtain assistance with this requestMrV [redacted] may assist [redacted] in setting a minimum “test” payment and providing her with a payment history so that we can ensure that her payments are being properly applied to her accounts.TSI's account notes do not reflect that [redacted] previously requested validation materials or a payment history regarding these accountsEnclosed for your review is validation information and a payment history for [redacted] ***’s accountsGiven [redacted] ***’s request, her accounts have been marked to prevent further callsPlease 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 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.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.govWhile we have complied with federal law, factors beyond our control may prohibit us from confirming or denying the presence of inaccurate information within the time frame prescribed by state lawWe may not have sufficient time to complete an investigation of the alleged inaccuracyVery truly yours, Cathy BConsumer Affairs Team Lead
October 22, Dear [redacted] : I acknowledge receipt of your October 16, letter for the above matterPlease be advised that NCO has closed the above-referenced accounts as paid 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-referenced accounts from [redacted] '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 [redacted] 's credit profilePlease note that it may take 30-days to delete 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.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, Cathy B Consumer Affairs Team Lead
m146497e303af884b adP adO" May 28, Dear [redacted] : I acknowledge receipt of May 14, complaint for the above matterPlease be advised that NCO has closed the referenced accounts in our office as paidPlease 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 profile for the social security number we have listed in our recordsNCO Financial Systems, Inccannot affect a change to how any other company may have listed the above accounts on [redacted] credit profileIt 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.ficgov; 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,
[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: the statement of facts submitted by NCO is completely inaccurate I have been contacted numerous times throughout about the two defaulted student loans in questions Additionally, I have been contacted by representatives who have used menacing, threatening and intimidating tones that were totally unnecessary Just prior to sending this complaint to Revdex.com, I attempted to contact NCO to discuss alternatives and was transferred to three different offices -- two of which are the subject of the behavior I have described NCO's business practices should be investigated -- I am amazed that NCO would state in writing that they did NOT contact me about the loans and that I, in turn, contacted them I am sure they have records to the contrary This is NOT an acceptable response to my concerns not even an apology for the agreggious behavior of their representatives Apparently, I am dealing with a systemic problem that NCO chooses to ignore Regards, [redacted] ***
October 27, 2014Dear [redacted] : I acknowledge receipt of your September 30, 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 consumerIt is NCO's intent not to have any further communication with [redacted] in reference to the above account.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 account from Stefanie Williams' 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 [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 account.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 collectorCalls to or from NCO Financial Systems, Incmay be monitored or recorded for quality assuranceFederal 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.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, Cathy B Consumer Affairs Team Lead
July 31, Dear [redacted] : I acknowledge receipt of your July 21, letter for the above consumerPlease be advised that NCO hasclosed the above-referenced account in our officeIt is NCO'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-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 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.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 [redacted] Consumer Affairs Team Lead
November 13, 2014Dear [redacted] :We appreciate the opportunity to respond to the above-referenced complaint, forwarded from NCO [redacted] ***(“***") is a loan servicing and payment processing company that is committed to resolving customer service issues in a cooperative and expeditious manner.Please note that [redacted] is servicing [redacted] ***’s ***/ [redacted] account number [redacted] and [redacted] / [redacted] account number [redacted] As such, we are responding to [redacted] ***’s complaint that was directed to NCO Financial Systems Inc (NCO) and we have worked with NCO to form this responseHaving researched this matter, please consider the following:As previously stated, in July [redacted] financed $12,for the purchase of a [redacted] On May 15, 2009, the servicing of [redacted] ***’s deficiency account balance was transferred to [redacted] and was past due for his November 10, scheduled payment due date [redacted] ***’s delinquent account was placed with NCO for collections effortsAccording to our records, promissory loan check # [redacted] ( [redacted] Power Check) was issued to [redacted] ***The check was a blank check that was filled out by [redacted] ***, including the “Pay to the Order of, for the purchase of the above referenced vehicle as was listed on the loan check by the vehicle identification number (VIN).As a courtesy, [redacted] has contacted the credit bureaus which it does business with and requested that its listings of ***/ [redacted] account number [redacted] and [redacted] / [redacted] account number [redacted] , be deleted from [redacted] ***’s credit profilePlease allow sufficient time for the credit bureaus to processPlease be advised that [redacted] cannot affect how any other entity listed these accounts on [redacted] ***’s credit profile.If you have any further questions, please contact me directly at (***) [redacted] , ext ***Very truly yours, Christina H Resolution Representative [redacted] ***
August 25, Dear [redacted] : I acknowledge receipt of your August 13, letter for the above consumerEnclosed is the validation requested by [redacted] ***These materials have also been forwarded to [redacted] ***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 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 or entity may have listed the account on [redacted] ***’s credit profile.Further inquiries regarding the above account may be directed to Kim Hettinger, an NCO manager directly at ###-###-####.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 law.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,Cathy B
January 4, 2017Dear [redacted] :I acknowledge receipt of the January 4, complaint for the referenced consumerEGS 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 EGS Financial Care, Inc., please have her request our reference number and provide that information to me at the phone number listed above.EGS has no record of [redacted] ' telephone number in our databases; however, as a precaution upon receipt of her complaint, her telephone number was added to our do not call list,In addition, please provide the telephone numbers that [redacted] is receiving calls from.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.egscorp.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.Very Truly Yours,Sharon W.Manager, Operations & Compliance Support
February 28, 2017Dear [redacted] :I acknowledge receipt of the February 28, follcomplaintEGS Financial Care, Inc(EGS) has closed the referenced account in our office.Our records indicate that EGS placed two phone calls to [redacted] 's telephone number was added to our Do Not Call listShould [redacted] receive any additional telephone calls from EGS, please have her request our reference number and provide that information to me at the phone number listed above.It is EGS's intent not to have any further communication with [redacted] in reference to the above acount.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.egscorp.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.Thanking you for your cooperation, I remain,Very truly yours,Sharon WManager, Operations & Compliance Support