Read complaint
Sent to a friend Below is another complaint I read about this company regarding harrassing phone calls. Here is one way to take care of this.1. File a police report.
2. Submit the police report to the FTC.
3. File a civil suit with the Secretary of State.
4. File tons of complaints.
5. Contact Attorney regarding class action lawsuit.
6. Put up a website devoted to NCO Financial Services and have a petition for class action law suit.
Things to note, NCO Financial Services was recently fined over a million by the FTC. If the FTC continues getting word that they are harassing people which does go against the Fair Debt Collection Practives Act, The FTC will fine them again or shut them down completely.
NCO Financial Services - harassing phone calls
NCO Financial Services - harassing phone calls
NCO Financial Services
Hi,
After getting harassing phone calls from NCO Financial Services, I did a web search and your site popped up. You might find this interesting.
Various people have been calling my mother's phone number and leaving messages for me on her answering machine once or more times per day EVERY DAY. All they leave is their name, phone number and extension. Out of curiosity I called that number (800-227-4000) and the machine identified them as NCO Financial Services. Evidently they have done this before and my mother called and talked to them. She believes this is in regard to my student loan. To know why this is soooo wrong, you would have to know the history of this bill.
I was approached by a person with a flyer in 1988. The flyer claimed that if I went to that school that upon graduation they would place me in an office job for $12 per hour. That was much more than minimum wage or welfare. I got the maximum grant allowed and took out a student loan. After graduating with honors I couldn't get job placement in an entry level job that paid $8 per hour. The perspective employer told me my certificate was worthless.
The student loan people started trying to collect not long after that. The original amount was over $2000. Over the years they transferred ownership of my loan several times and periodically harassed me for payment. I found out that according to federal law I qualified for a waiver for several reasons. I was lured to the school with false promises, therefore, I was tricked into signing for the loan by fraudulent means. The fraud being that they promised education, certification, job placement, and a high wage. I got nothing. The school closed down. I was on welfare, sick and becoming disabled. I wasn't working.
Yet, they continued to harass me. Eventually someone calling themselves the Department of Education and Justice started with proceedings. They claimed to have taken me to court in another state and wanted nearly three times the original amount of the loan. Evidently this is the federal guaranteed part. Whenever I talked to an individual about my situation, they agreed that the loan should be forgiven for the reasons I've already stated. Yet, although they all claimed to see what they could do, big brother won out in the end.
In the mid '90's, I finally had a job and an apartment. I was working nights at a Shell station for minimum wage. Not a glorious or even safe job, but I was trying my best. My car broke down so I was walking to work in the dark. I owed a deposit on my utilities that I had to pay or they'd be shut off. But that was okay, because I was about to get a tax return that was big enough to fix the car and pay the deposit. The tax return never came. I never got a tax return again. The IRS was now acting as bill collector and treating me like a tax evader. They took enough to cover more than the principle with interest, but they called it all interest and continued to bill me until the amount owed was more than doubled again. That means if I paid it today I would have paid four times the original loan for a school I attended in 1988 that defrauded me, undereducated me, didn't place me in any job, and later closed down.
I made the mistake of writing a nasty letter to the Department of Education and Justice, telling them how they'd ruined my financial life and so forth. After that, I couldn't get any government services for quite some time. I am referring to social services, drivers license, state ID, appointments in county medical facilities, and so on. Every time my name or social security number was put into a government computer there were false accusations, confusion, misleading information and chaos. I eventually called these people to talk about it. I called not only to see if I could have the loan considered paid for what they IRS already collected, but to apologize for what I said in the letter.
They claimed to have no file on me and didn't know what I was talking about. Yet, they made several comments that included personal information about me they could only have if they did have a file on me. So I restated my apology and tried to smooth things over with them. They refused to reduce the loan to the amount paid. They continued to claim they only took interest and that I still owed the principle. They also tried to make it sound like they could leave this on my credit for as long as they wanted AND that they were not responsible for it being on my credit. However, after that I was able to get ID and there was less confusing information in the government computers about me. I still can't get SSI or other social services however, and I believe this event played a part.
Another problem I had was that the loan continued to show up on my credit report. I thought debts could only be on my credit report for 7-10 years, and that if I disputed the debt and showed proof that it was fraudulent, they would take it off. But they don't follow the rules and essentially do whatever the hell they want. I am pretty sure it is still on my credit 16 years later. If it was a legitimate bill for a real school that didn't rip me off and I was a successful person because of them, I could understand. But they took advantage of an unhealthy single mother on welfare and essentially ruined my financial life and still flaunt it by harassing me and my family and putting it on my credit report.
Is there any thing you can do or someone you can direct me to who can help me with this problem? If so, I would appreciate it. If not, thank you at least for exposing part of the problem and for taking the time to read my story.
Coleen K
San Lorenzo, CA
Posted 6 months ago
Rating:0.00
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