[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: At this point this is becoming a big issue to resolve issues that are not mineI do not wish to "mail" anything, nor do I believe it is necessary to furnish a complete credit report to a company that I am not familiar withI can however provide proof with the page listed under my name [redacted] A [redacted] so that it can be shown that this collection company has reported on itI would prefer that I do this by fax so that I can get conformation on receipt and can be handled in a timely fashionSince I could not get in contact by phone, or when I did was given the run-aroundI would like proof of a time frame of receipt and I should not have to pay opocket for anything such as certified mail because of NCO's mistakesPlease provide a fax number and I will send it immediately for the information that is needed for you to removeI will not send a complete copy of my credit report since this is personal information and is not needed for this issue Regards, [redacted]
June 11, 2014Dear [redacted] :I acknowledge receipt of your May 30, follcomplaintPlease be advised that NCO has submitted a request to the credit bureaus to delete the above referenced account and that this will take 45-days.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,
This company is conducting hard inquires on my credit report and I have not authorized any type transactions that would require an inquiry to be performedNot happy with this unauthorized transaction
August 4, 2014Dear [redacted] :I acknowledge receipt of your July 29, complaint from the above-referenced consumer regarding the above-referenced accountsIn response to [redacted] ***’s request for validation, enclosed please find the materials we received from the creditor that corresponds to the above-referenced accounts.Please be advised that we have contacted the credit bureaus with which we do business, with our request todelete our listing of the above-referenced accounts from your credit profile; however, because the consumer’s social security number was not provided to us, we will be uncertain as to whether our request will be accurately processed by the agencies notifiedShould you have any information that will assist us further, please contact the undersignedNCO Financial Systems, Inccannot effect a chance to how any other company or entity may have listed the accounts on [redacted] ***’s creditPlease note that the above-referenced accounts remain open in NCO’s system [redacted] ***’s accounts have been transferred to a special collection unitPlease advise [redacted] to contact Tara P [redacted] at ###-###-#### relating to the accounts [redacted] may also contact the [redacted] at ###-###-#### relating to her 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 collector.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.Very truly yours,Cathy B [redacted] Consumer Affairs-Team Lead
December 3, 2014Dear [redacted] : I acknowledge receipt of the November 10, complaint for the referenced consumerPlease be advised that the above account is on-hold pending closure in our officeTSI has notified [redacted] of [redacted] ’ position regarding the above accountUnfortunately, TSI is unable to obtain any documentation from [redacted] in regard to the above account.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 Transworld Systems, Inccannot affect a change to how any other company may have listed the above account on the consumer’s credit profileIt is TSI's intent not to have any further communication with [redacted] in reference to the above account.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 matterThanking you for your cooperation, I remain, Very truly yours,Cathy BConsumer Affairs Team Lead
June 24, Dear [redacted] :I acknowledge receipt of your June 16, follcomplaint for the above referenced accountPlease be advised that the referenced account remains closed in our officeIt is NCO'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] Community College at ###-###-#### or at [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.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,NCOVery truly yours,
May 12, Dear [redacted] :I acknowledge receipt of the May 2, complaint for the referenced consumerNCO 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 complaint.In order for us to move forward, we need specific identifying information including, but notlimited to: the consumer’s full name and social security number; the name of the original creditor; the creditor’s account number or reference number; the billing address of the account; and, any other specific information relating to the consumer so that a full search can be completedIn order to further investigate your complaint,,NCO requests that you provide us any other telephone number that NCO may be calling.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.ricogroup.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.Until such information is received, as noted, we cannot proceed with the research regarding this complaintPlease forward the requested information to the attention of the undersigned at: NCO Financial Systems, Inc., P.OBox 15035, Wilmington, DE 19850.Very truly yours
November 19, 2014Dear [redacted] : I acknowledge receipt of the October 29, complaint for the referenced consumerSince the account validation materials relate to medical issues, [redacted] 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 consumerPlease be advised that account [redacted] - [redacted] is on-hold pending closure in our officeIt is [redacted] 's intent not to have any further communication with [redacted] in reference to account [redacted] - [redacted] Please note that account [redacted] - [redacted] remains open in ***’s systemPlease advise the consumer to contact Michael C [redacted] at ###-###-#### relating to the 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 accounts from the consumer’s credit profile for the social security number we have listed in our recordsPlease be advised that [redacted] Systems cannot affect a change to how any other company may have listed the above accounts 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[redacted] payments.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 matter.Very Truly Yours, Cathy B Consumer Affairs Team Lead
Dear [redacted] :I acknowledge receipt of the May 27, complaint for the above referenced consumerEnclosed please find the materials we received from the creditor that corresponds to the above-referenced accountsPlease note, account [redacted] - [redacted] is closed in our office as paid According to our files, NCO Financial Systems has not reported the above-referenced accounts to a credit bureau.According to the attached letters sent by the creditor [redacted] ; [redacted] ’s responsibilities to avoid the Treasury Offset Program (TOP) were outlinedPlease note that the creditor handles the Treasury Offset Program (TOP), therefore, if [redacted] has any questions relating to the Treasury Offset Program (TOP), please have her contact [redacted] 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 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 >vww.ftc.gov.Very truly yours,
April 11, Dear [redacted] : I acknowledge receipt of your March 17, letter for the abovereferenced consumerPlease be advised that NCO has closed the above account as settled in our officeIt is NCOs intent not to have any further communication with [redacted] * [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 account from the consumers 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 consumers credit profile.While 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 inaccuracy 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.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,
September 24, Dear [redacted] :I acknowledge receipt of your September 23, letter for the above consumerPlease be advised that NCO has closed the above-referenced account as paid in our officeIt is NCO's intent not to have any further communication with [redacted] *** [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 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.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
April 10, 2015Dear [redacted] ,This is in response to your complaint concerning a missing payment of $on your [redacted] accountBased on my investigation, I have noticed that you had an arrangement in place for pre-authorized paymentsUnfortunately, this method of payment could take well over days to reflect on [redacted] ’s recordsNCO has processed two payments; the third payment was never remitted due to your bank account being closedYour account balance is currently $472.58, two payments for $each were applied to your account and one payment for $was reported on March 31, by [redacted] .Please do not hesitate to contact me should you wish to discuss further.Sincerely,Marcelle L
September 29, 2014Dear [redacted] :Following up on my September 24, letter, please be advised that as NCO previously informed to [redacted] ***, her accounts completed a rehabilitation plan on August 28, Upon completion of the rehabilitation, NCO closed and returned these accounts to its clientFor further information regarding these accounts, [redacted] should contact Illinois Student Assistance Commission at [redacted] , IL ***.Federal and state law prohibit certain methods of debt collection, and require that we treat you fairlyIf you have a complaint about the way we are collecting your debt, please visit our website at www.ncogroup.com or contact the FTC online at www.ftc.gov; by phone at 1-877-FTC-HELP; or by mail at Pennsylvania Ave., NW, Washington, DC If you want information about your rights when you are contacted by a debt collector, please contact the FTC online at www.ftc.gov.Should I not hear from you within days, I will assume you have all information necessary to complete your investigation and close this matterThanking you for your cooperation, I remain,Very truly yours, Cathy BConsumer Affairs Team Lead
August 20, Dear [redacted] :I acknowledge receipt of the August 13, complaint for the referenced consumerNCO has searched its databases using the information supplied by the consumer and was unable to identify the specific account that is the subject of the consumer's complaintShould [redacted] receive any additional telephone calls from NCO Financial Systems, Inc., please have her request our reference number and provide that informationto me at the phone number listed aboveIn order to further investigate this matter, NCO requests that [redacted] [redacted] provide the telephone number that NCO may be calling.Until such information is received, as noted, we cannot proceed with the research regarding this complaintPlease forward the requested information to the attention of the undersigned at: NCO Financial Systems, Inc., P.OBox 15035, Wilmington, DE 19850.Very truly yours, Cathy B Consumer Affairs Team Lead
May 1, Dear **Vaghari: I acknowledge receipt of the April 11, letter regarding the referenced account for [redacted] Please be advised that NCO has removed [redacted] 's telephone number(s) from its systemNCO will place no further calls to [redacted] * [redacted] relating to the above referenced accountsPlease note, the accounts remain open in NCO's system** [redacted] 's accounts have been transferred to a special collection unit** [redacted] may contact NCO representative [redacted] at ###-###-#### regarding payment arrangements.Please be advised that the account balances 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.While 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 inaccuracy.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 purposes: Please 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.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.Very truly yours,
February 6, Dear ** [redacted] : I acknowledge receipt of the January 31, complaint for the referenced consumerNCO has searched its databases using the information supplied by the consumer and was unable to identify the specific account that is the subject of the consumer’s complaintIn order for us to move forward, we need specific identifying information including, but not limited to: the consumer’s full name and social security number; the name of the original creditor; the creditor’s account number or reference number; the billing address of the account; and, any other specific information relating to the consumer so that a full search can be completed Until such information is received, as noted, we cannot proceed with the research regarding this complaintPlease forward the requested information to the attention of the undersigned at: NCO Financial Systems, Inc., P.OBox 15035, Wilmington, DE Very truly yours,
September 15, 2014Dear [redacted] :I acknowledge receipt of the August 18, complaint for the above reference accountPlease be advised that NCO has searched its databases using the information supplied by the consumer and was unable to identify the specific account that is the subject of the consumer's complaintShould [redacted] receive any additional telephone calls from NCO Financial Systems, Inc., please have her request our reference number and provide that information to me at the phone number listed above.Please be advised, NCO has located a possible account in which we may be calling [redacted] The account has been placed in a status to prevent further callsIn order to further investigate this matter, NCO requests that [redacted] provide the telephone number that NCO may be callingPlease be advised that the above account is on hold pending closure in our office Please note that we have contacted the credit bureaus that we do business with, with our request to delete our listing of the above-referenced account from [redacted] ' credit profileSince [redacted] ' social security number was not included in the complaint, we cannot be certain that our request will be accurately processed by the credit bureaus notifiedNCO Financial Systems, Inccannot affect a change to how any other company may have listed the above account on [redacted] ’ credit profileFederal 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.stc.gov; by phone at 1-877-FTC-HELP; or by mail at Pennsylvania Ave., NW, Washington, DC If you want information about your rights when you are contacted by a debt collector, please contact the FTC online at www.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
August 13, 2014Dear [redacted] :I acknowledge receipt of the August 7, complaint for the referenced consumer NCO has searched its databases using the information supplied by the consumer and was unable to identify the specific account that is the subject of the consumer's complaintIn order for us to move forward, we need specific identifying information including, but not limited to: the consumer’s full name and social security number; the name of the original creditor; the creditor's account number or reference number; the billing address of the account; and, any other specific information relating to the consumer so that a full search can be completed.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.Until such information is received, as noted, we cannot proceed with the research regarding this complaintPlease forward the requested information to the attention of the undersigned at: NCO Financial Systems, Inc., P.OBox 15035, Wilmington, DE 19850.Very truly yours, Cathy B [redacted] 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, [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: At this point this is becoming a big issue to resolve issues that are not mineI do not wish to "mail" anything, nor do I believe it is necessary to furnish a complete credit report to a company that I am not familiar withI can however provide proof with the page listed under my name [redacted] A [redacted] so that it can be shown that this collection company has reported on itI would prefer that I do this by fax so that I can get conformation on receipt and can be handled in a timely fashionSince I could not get in contact by phone, or when I did was given the run-aroundI would like proof of a time frame of receipt and I should not have to pay opocket for anything such as certified mail because of NCO's mistakesPlease provide a fax number and I will send it immediately for the information that is needed for you to removeI will not send a complete copy of my credit report since this is personal information and is not needed for this issue Regards, [redacted]
June 11, 2014Dear [redacted] :I acknowledge receipt of your May 30, follcomplaintPlease be advised that NCO has submitted a request to the credit bureaus to delete the above referenced account and that this will take 45-days.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,
This company is conducting hard inquires on my credit report and I have not authorized any type transactions that would require an inquiry to be performedNot happy with this unauthorized transaction
Complaint: [redacted] I am rejecting this response because: Please see attached Regards, [redacted]
August 4, 2014Dear [redacted] :I acknowledge receipt of your July 29, complaint from the above-referenced consumer regarding the above-referenced accountsIn response to [redacted] ***’s request for validation, enclosed please find the materials we received from the creditor that corresponds to the above-referenced accounts.Please be advised that we have contacted the credit bureaus with which we do business, with our request todelete our listing of the above-referenced accounts from your credit profile; however, because the consumer’s social security number was not provided to us, we will be uncertain as to whether our request will be accurately processed by the agencies notifiedShould you have any information that will assist us further, please contact the undersignedNCO Financial Systems, Inccannot effect a chance to how any other company or entity may have listed the accounts on [redacted] ***’s creditPlease note that the above-referenced accounts remain open in NCO’s system [redacted] ***’s accounts have been transferred to a special collection unitPlease advise [redacted] to contact Tara P [redacted] at ###-###-#### relating to the accounts [redacted] may also contact the [redacted] at ###-###-#### relating to her 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 collector.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.Very truly yours,Cathy B [redacted] Consumer Affairs-Team Lead
December 3, 2014Dear [redacted] : I acknowledge receipt of the November 10, complaint for the referenced consumerPlease be advised that the above account is on-hold pending closure in our officeTSI has notified [redacted] of [redacted] ’ position regarding the above accountUnfortunately, TSI is unable to obtain any documentation from [redacted] in regard to the above account.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 Transworld Systems, Inccannot affect a change to how any other company may have listed the above account on the consumer’s credit profileIt is TSI's intent not to have any further communication with [redacted] in reference to the above account.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 matterThanking you for your cooperation, I remain, Very truly yours,Cathy BConsumer Affairs Team Lead
June 24, Dear [redacted] :I acknowledge receipt of your June 16, follcomplaint for the above referenced accountPlease be advised that the referenced account remains closed in our officeIt is NCO'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] Community College at ###-###-#### or at [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.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,NCOVery truly yours,
May 12, Dear [redacted] :I acknowledge receipt of the May 2, complaint for the referenced consumerNCO 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 complaint.In order for us to move forward, we need specific identifying information including, but notlimited to: the consumer’s full name and social security number; the name of the original creditor; the creditor’s account number or reference number; the billing address of the account; and, any other specific information relating to the consumer so that a full search can be completedIn order to further investigate your complaint,,NCO requests that you provide us any other telephone number that NCO may be calling.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.ricogroup.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.Until such information is received, as noted, we cannot proceed with the research regarding this complaintPlease forward the requested information to the attention of the undersigned at: NCO Financial Systems, Inc., P.OBox 15035, Wilmington, DE 19850.Very truly yours
November 19, 2014Dear [redacted] : I acknowledge receipt of the October 29, complaint for the referenced consumerSince the account validation materials relate to medical issues, [redacted] 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 consumerPlease be advised that account [redacted] - [redacted] is on-hold pending closure in our officeIt is [redacted] 's intent not to have any further communication with [redacted] in reference to account [redacted] - [redacted] Please note that account [redacted] - [redacted] remains open in ***’s systemPlease advise the consumer to contact Michael C [redacted] at ###-###-#### relating to the 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 accounts from the consumer’s credit profile for the social security number we have listed in our recordsPlease be advised that [redacted] Systems cannot affect a change to how any other company may have listed the above accounts 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[redacted] payments.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 matter.Very Truly Yours, Cathy B Consumer Affairs Team Lead
Dear [redacted] :I acknowledge receipt of the May 27, complaint for the above referenced consumerEnclosed please find the materials we received from the creditor that corresponds to the above-referenced accountsPlease note, account [redacted] - [redacted] is closed in our office as paid According to our files, NCO Financial Systems has not reported the above-referenced accounts to a credit bureau.According to the attached letters sent by the creditor [redacted] ; [redacted] ’s responsibilities to avoid the Treasury Offset Program (TOP) were outlinedPlease note that the creditor handles the Treasury Offset Program (TOP), therefore, if [redacted] has any questions relating to the Treasury Offset Program (TOP), please have her contact [redacted] 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 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 >vww.ftc.gov.Very truly yours,
April 11, Dear [redacted] : I acknowledge receipt of your March 17, letter for the abovereferenced consumerPlease be advised that NCO has closed the above account as settled in our officeIt is NCOs intent not to have any further communication with [redacted] * [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 account from the consumers 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 consumers credit profile.While 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 inaccuracy 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.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,
September 24, Dear [redacted] :I acknowledge receipt of your September 23, letter for the above consumerPlease be advised that NCO has closed the above-referenced account as paid in our officeIt is NCO's intent not to have any further communication with [redacted] *** [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 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.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
April 10, 2015Dear [redacted] ,This is in response to your complaint concerning a missing payment of $on your [redacted] accountBased on my investigation, I have noticed that you had an arrangement in place for pre-authorized paymentsUnfortunately, this method of payment could take well over days to reflect on [redacted] ’s recordsNCO has processed two payments; the third payment was never remitted due to your bank account being closedYour account balance is currently $472.58, two payments for $each were applied to your account and one payment for $was reported on March 31, by [redacted] .Please do not hesitate to contact me should you wish to discuss further.Sincerely,Marcelle L
September 29, 2014Dear [redacted] :Following up on my September 24, letter, please be advised that as NCO previously informed to [redacted] ***, her accounts completed a rehabilitation plan on August 28, Upon completion of the rehabilitation, NCO closed and returned these accounts to its clientFor further information regarding these accounts, [redacted] should contact Illinois Student Assistance Commission at [redacted] , IL ***.Federal and state law prohibit certain methods of debt collection, and require that we treat you fairlyIf you have a complaint about the way we are collecting your debt, please visit our website at www.ncogroup.com or contact the FTC online at www.ftc.gov; by phone at 1-877-FTC-HELP; or by mail at Pennsylvania Ave., NW, Washington, DC If you want information about your rights when you are contacted by a debt collector, please contact the FTC online at www.ftc.gov.Should I not hear from you within days, I will assume you have all information necessary to complete your investigation and close this matterThanking you for your cooperation, I remain,Very truly yours, Cathy BConsumer Affairs Team Lead
August 20, Dear [redacted] :I acknowledge receipt of the August 13, complaint for the referenced consumerNCO has searched its databases using the information supplied by the consumer and was unable to identify the specific account that is the subject of the consumer's complaintShould [redacted] receive any additional telephone calls from NCO Financial Systems, Inc., please have her request our reference number and provide that informationto me at the phone number listed aboveIn order to further investigate this matter, NCO requests that [redacted] [redacted] provide the telephone number that NCO may be calling.Until such information is received, as noted, we cannot proceed with the research regarding this complaintPlease forward the requested information to the attention of the undersigned at: NCO Financial Systems, Inc., P.OBox 15035, Wilmington, DE 19850.Very truly yours, Cathy B Consumer Affairs Team Lead
May 1, Dear **Vaghari: I acknowledge receipt of the April 11, letter regarding the referenced account for [redacted] Please be advised that NCO has removed [redacted] 's telephone number(s) from its systemNCO will place no further calls to [redacted] * [redacted] relating to the above referenced accountsPlease note, the accounts remain open in NCO's system** [redacted] 's accounts have been transferred to a special collection unit** [redacted] may contact NCO representative [redacted] at ###-###-#### regarding payment arrangements.Please be advised that the account balances 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.While 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 inaccuracy.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 purposes: Please 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.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.Very truly yours,
February 6, Dear ** [redacted] : I acknowledge receipt of the January 31, complaint for the referenced consumerNCO has searched its databases using the information supplied by the consumer and was unable to identify the specific account that is the subject of the consumer’s complaintIn order for us to move forward, we need specific identifying information including, but not limited to: the consumer’s full name and social security number; the name of the original creditor; the creditor’s account number or reference number; the billing address of the account; and, any other specific information relating to the consumer so that a full search can be completed Until such information is received, as noted, we cannot proceed with the research regarding this complaintPlease forward the requested information to the attention of the undersigned at: NCO Financial Systems, Inc., P.OBox 15035, Wilmington, DE Very truly yours,
September 15, 2014Dear [redacted] :I acknowledge receipt of the August 18, complaint for the above reference accountPlease be advised that NCO has searched its databases using the information supplied by the consumer and was unable to identify the specific account that is the subject of the consumer's complaintShould [redacted] receive any additional telephone calls from NCO Financial Systems, Inc., please have her request our reference number and provide that information to me at the phone number listed above.Please be advised, NCO has located a possible account in which we may be calling [redacted] The account has been placed in a status to prevent further callsIn order to further investigate this matter, NCO requests that [redacted] provide the telephone number that NCO may be callingPlease be advised that the above account is on hold pending closure in our office Please note that we have contacted the credit bureaus that we do business with, with our request to delete our listing of the above-referenced account from [redacted] ' credit profileSince [redacted] ' social security number was not included in the complaint, we cannot be certain that our request will be accurately processed by the credit bureaus notifiedNCO Financial Systems, Inccannot affect a change to how any other company may have listed the above account on [redacted] ’ credit profileFederal 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.stc.gov; by phone at 1-877-FTC-HELP; or by mail at Pennsylvania Ave., NW, Washington, DC If you want information about your rights when you are contacted by a debt collector, please contact the FTC online at www.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
August 13, 2014Dear [redacted] :I acknowledge receipt of the August 7, complaint for the referenced consumer NCO has searched its databases using the information supplied by the consumer and was unable to identify the specific account that is the subject of the consumer's complaintIn order for us to move forward, we need specific identifying information including, but not limited to: the consumer’s full name and social security number; the name of the original creditor; the creditor's account number or reference number; the billing address of the account; and, any other specific information relating to the consumer so that a full search can be completed.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.Until such information is received, as noted, we cannot proceed with the research regarding this complaintPlease forward the requested information to the attention of the undersigned at: NCO Financial Systems, Inc., P.OBox 15035, Wilmington, DE 19850.Very truly yours, Cathy B [redacted] 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, [redacted]