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Economics Summaries
Debt Collection

Harassment Calls from
NCO Financial Systems

The Worst Debt Collection Agency
by Vaughn Aubuchon

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This web page lists the collection calls that I received from the worst debt collection agency of all, NCO Financial Systems. The main page summarizing this data is found at
Worst Collection Agency.
.



Timeline

D

Date

.
Summary of Recorded Calls

-

Feb. 21, 2007

Wednesday - 1 call -
10:38 PM - NCO Financial Systems - "Call Julio Elaine"

-

Feb. 22, 2007

Thursday - 1 call -
12:07 PM - NCO Financial Systems - "Call Julio Elaine"

-

Feb. 23, 2007

Friday - 4 hang up harassment calls
Mailed "Cease and Desist" letter today to NCO Financial Systems.


I received my first call from "Merchants' Credit Guide".

888-249-4134 -
Harassment Number - #4



Merchant's Credit Guide buys ancient, time-barred debts, and attempts to collect on them through intimidation and harassment. Looks like I need to file another Cease and Desist letter with Merchants Credit Guide.

2:54 PM - Merchants' Credit Guide
Transcription of call -
Here is the autodialer message transcription -
"This is a message for "John Doe".
If you are not "John Doe", please hang up, or disconnect.
If you are "John Doe", please continue to listen to this message.
There will now be a 3 second pause in this message."
(2-second delay)
"By continuing to listen to this message, you acknowledge you are "John Doe"
(???- How idiotic is this? This is a machine-to-machine message!)
"This is Merchants Credit Guide company.
By law, we are required to inform you that this is an attempt to collect a debt, and any information obtained will be used for that purpose.
Please contact us about an important business matter at 888-249-4134.
Again, that number is 888-249-4134."


According to online reports referenced above, Merchants' Credit Guide is a partner of
NCO Financial Systems. Maybe my Cease and Desist just got noticed, and I just got shuttled over to Merchants Credit Guide. So, if you send a Cease and Desist order to NCO Financial Systems, they simply start hitting you with "Merchants Credit Guide" demands - the same debt collection effort, using different people, so they can continue harassing you, by circumventing
Federal Fair Debt Collection Practices Act
(FDCPA) law violations.

-

Feb. 24, 2007

Saturday - 2 hang-up harassment calls

-

Feb. 25, 2007

Sunday - 1 hang-up harassment call

Week 1

Feb. 26, 2007

Monday - 3 hang up harassment calls, plus
1:36PM - NCO Financial Systems - "Call Julio Elaine"

DELIVERY CONFIRMATION of my CEASE and DESIST LETTER was received on Feb. 26, 2007. The signature of the agent was "S. Jay".
NCO  Financial PS Form 3811 completed
THE CLOCK IS RUNNING

1st Violation
2nd Violation
of
Federal Law

1

Feb. 27, 2007

Tuesday - 2 hang-up harassment calls

2

Feb. 28, 2007

Wednesday - 3 calls so far - They DEFINITELY have the C&S letter by now. It's time for me to get others involved.
3:51PM - Another call from Merchants Credit Guide 888-249-4134.

3

Mar. 1, 2007

Thursday - 3 hang-up harassment calls, plus
5:23PM - Another call from Merchants Credit Guide 888-249-4134.

4

Mar. 2, 2007

Friday - 3 hang-up harassment calls

5

Mar. 3, 2007

Saturday - 2 hang-up harassment calls

6

Mar. 4, 2007

Sunday - 2 hang-up harassment calls


Week 2

D
Date

Harassment Calls

3rd Violation
4th Viollation
of
Federal Law

7

Mar. 5, 2007

Monday - 2 hang-up harassment calls, plus
9:57AM - NCO Financial Systems - IN VIOLATION OF FEDERAL LAW, "JULIO ELAINE" CALLED AGAIN TODAY, ONE WEEK AFTER RECEIPT OF A CEASE AND DESIST LETTER.

8

Mar. 6, 2007

Tuesday - 3 hang-up harassment calls

9

Mar. 7, 2007

Wednesday - 3 hang-up harassment calls

10

Mar. 8, 2007

Thursday - 3 hang-up harassment calls

11

Mar. 9, 2007

Friday - 2 hang-up harassment calls, plus
1:23 P.M. - NCO Financial Systems - IN VIOLATION OF FEDERAL LAW, "JULIO ELAINE" CALLED AGAIN TODAY, 11 DAYS AFTER RECEIPT OF A CEASE AND DESIST LETTER.

12

Mar. 10, 2007

Saturday - 0 calls

13

Mar. 11, 2007

Sunday - 2 hang-up harassment calls


Week 3

D
Date

Harassment Calls

5th Violation
of
Federal Law
-
Continuing
harassment

14

Mar. 12, 2007

Monday - 0 calls

15

Mar. 13, 2007

Tuesday - 2 hang-up harassment calls

Note that this is a NEW COMPUTER GENERATED HARASSMENT message -
Call is configured so that CALLER IS NOT IDENTIFIED.

10:24 AM - " ... since, press 2 now.
To take a message, press 3 now.
If this is the wrong number to reach "John Doe", press 4 now.
(3-second pause - music)
If you are "John Doe", please press 1 now.
To place this call on hold to get the right person, press 2 now.
To take a message, press 3 now.
If this is the wrong number to reach "John Doe", press 4 now."
(3-second pause - music)  Hang-up"

AN ANSWERING MACHINE CANNOT PRESS BUTTONS.  HELLO?

Pure harassment!

16

Mar. 14, 2007

Wednesday - 1 hang-up harassment call

17

Mar. 15, 2007

Thursday - 0 calls

18

Mar. 16, 2007

Friday - 2 hangup harassment calls

19

Mar. 17, 2007

Saturday - 1 hang-up harassment call

20

Mar. 18, 2007

Sunday - 9:52 AM - Hang-up harassment call
Sunday - 7:36 PM - Hang-up Harassment call


Week 4

D
Date

Harassment Calls

21

Mar. 19, 2007

Monday - 0 calls

22

Mar. 20, 2007

Tuesday - 0 calls

23

Mar. 21, 2007

Wednesday - 0 calls

24

Mar. 22, 2007

Thursday - 0 calls

25

Mar. 23, 2007

Friday - 0 calls

26

Mar. 24, 2007

Saturday - 0 calls

27

Mar. 25, 2007

Sunday - 0 calls


Week 5

D
Date

Harassment Calls

6th Recorded violation of Federal Law
-
Continuing harassment

28

Mar. 26, 2007

Monday - 0 calls

29

Mar. 27, 2007

Tuesday - 0 calls

30

Mar. 28, 2007

Wednesday - 0 calls

31

Mar. 29, 2007

Thursday - 10:30 AM - NCO Financial Systems - IN VIOLATION OF FEDERAL LAW, "JULIO ELAINE" CALLED AGAIN TODAY, 31 DAYS AFTER RECEIPT OF A CEASE AND DESIST LETTER. These people are not only obnoxious, they are incredibly STUPID! Having A.T.T. document these violations is going to result in SUBSTANTIAL MONETARY FINES - $1,000 for each violation.

32

Mar. 30, 2007

Friday - 0 calls

33

Mar. 31, 2007

Saturday - 0 calls

34

Apr. 1, 2007

Sunday - 0 calls


Week 6

D
Date

Harassment Calls

35

Apr. 2, 2007

Monday - 0 calls

36

Apr. 3, 2007

Tuesday - 0 calls

37

Apr. 4, 2007

Wednesday - 0 calls

38

Apr. 5, 2007

Thursday - 0 calls

39

Apr. 6, 2007

Friday - 0 calls

40

Apr. 7, 2007

Saturday - 0 calls

41

Apr. 8, 2007

Sunday - 0 calls


Week 7

D
Date

Harassment Calls

7th Recorded violation of Federal Law
-
Continuing
harassment

42

Apr. 9, 2007

Monday - 0 calls

43

Apr. 10, 2007

Tuesday - 0 calls

44

Apr. 11, 2007

Wednesday - 0 calls

45

Apr. 12, 2007

Thursday - 0 calls

46

Apr. 13, 2007

Friday - 8:22 AM - NCO Financial Systems - IN VIOLATION OF FEDERAL LAW, I RECEIVED ANOTHER HARASSMENT CALL AGAIN TODAY, 46 DAYS AFTER RECEIPT OF A CEASE AND DESIST LETTER. From 1-800-249-4134 - At this point, they know G.D. well that they will receive NOTHING from me EVER. The continuing calls are therefore made for the sole purpose of HARASSMENT.

8:22 AM - " ... person, press 2 now.
To take a message, press 3 now.
If this is the wrong number to reach "John Doe", press 4 now.
(3-second pause - music)
If you are "John Doe", please press 1 now.
To place this call on hold to get the right person, press 2 now.
To take a message, press 3 now.
If this is the wrong number to reach "John Doe", press 4 now."
(3-second pause - music)  Hang-up"

47

Apr. 14, 2007

Saturday -

48

Apr. 15, 2007

Sunday -


Week 8

D
Date

Harassment Calls

49

Apr. 16, 2007

Monday - 0 message calls

50

Apr. 17, 2007

Tuesday - 0 message calls

51

Apr. 18, 2007

Wednesday - 0 message calls

52

Apr. 19, 2007

Thursday - 0 message calls

53

Apr. 20, 2007

Friday - 0 message calls

54

Apr. 21, 2007

Saturday - 0 message calls

55

Apr. 22, 2007

Sunday - 0 message calls


Week 9

D
Date

Harassment Calls

8th Violation
of Federal Law
-
Continuing
harassment
(hang-up calls)

56

Apr. 23, 2007

Monday - 0 calls

57

Apr. 24, 2007

Tuesday - 0 calls

58

Apr. 25, 2007

Wednesday - 0 calls

59

Apr. 26, 2007

Thursday - 9:56AM - NCO Financial Systems 445-4918 - The CEASELESS, ILLEGAL HARASSMENT continues.

60

Apr. 27, 2007

Friday - 0 calls

61

Apr. 28, 2007

Saturday - 0 calls

62

Apr. 29, 2007

Sunday - 0 calls


Week 10

D
Date

Harassment Calls

9th Violation
of Federal Law
-
Continuing
harassment
(hang-up calls)

63

Apr. 30, 2007

Monday - 0 calls

64

May 1, 2007

Tuesday - 0 calls

65

May 2, 2007

Wednesday - 0 calls

66

May 3, 2007

Thursday - 8:51AM - NCO Financial Systems 445-4918 - The CEASELESS, ILLEGAL HARASSMENT continues, 66 days after receipt of the Cease and Desist letter.

67

May 4, 2007

Friday - 0 calls

68

May 5, 2007

Saturday - 0 calls

69

May 6, 2007

Sunday - 0 calls


Week 11

D
Date

Harassment Calls

70

May 7, 2007

Monday - 0 calls

71

May 8, 2007

Tuesday - 0 calls

72

May 9, 2007

Wednesday - 0 calls

73

May 10, 2007

Thursday - 0 calls

74

May 11, 2007

Friday - 0 calls

75

May 12, 2007

Saturday - 0 calls

76

May 13, 2007

Sunday - 0 calls


Week 12

D
Date

Harassment Calls

10th Violation
of Federal Law
-
Continuing
harassment
(hang-up calls)

77

May 14, 2007

Monday - 0 calls

78

May 15, 2007

Tuesday - 0 calls

79

May 16, 2007

Wednesday - 0 calls

80

May 17, 2007

Thursday - 5:38PM - NCO Financial Systems 800-445-4918 - The CEASELESS, ILLEGAL HARASSMENT continues.

81

May 18, 2007

Friday -

81

May 19, 2007

Saturday -

83

May 20, 2007

Sunday -




Week 17

D
Date

Harassment Calls

11th RECORDED
Violation
of Federal Law
-
Continuing
harassment =
$11,000

112

June 18, 2007

Monday - 0 calls

113

June 19, 2007

Tuesday - 0 calls

113

June 20, 2007

Wednesday - 11:07PM - NCO Financial Systems 800-445-4918 - "JULIO ELAINE" CALLED AGAIN TODAY, 113 DAYS AFTER RECEIPT OF A CEASE AND DESIST LETTER. The CEASELESS, ILLEGAL HARASSMENT continues.

114

June 21, 2007

Thursday -

115

June 22, 2007

Friday -

116

June 23, 2007

Saturday -

117

June 24, 2007

Sunday -



Week 18

D
Date

Harassment Calls

12th RECORDED
13th RECORDED
Violation
of Federal Law
-
Continuing
harassment =
$13,000

118

June 25, 2007

Monday - 0 calls

119

June 26, 2007

Tuesday - 0 calls

120

June 27, 2007

Wednesday - 1:17PM - NCO Financial Systems 800-445-4918 - "JULIO ELAINE" CALLED AGAIN TODAY, 120 DAYS AFTER RECEIPT OF A CEASE AND DESIST LETTER. The CEASELESS, ILLEGAL HARASSMENT continues.

121

June 28, 2007

Thursday -

122

June 29, 2007

Friday -

123

June 30, 2007

Saturday - 10:25PM - NCO Financial Systems 800-445-4918 - "JULIO ELAINE" CALLED AGAIN TODAY, 123 DAYS AFTER RECEIPT OF A CEASE AND DESIST LETTER. The CEASELESS, ILLEGAL HARASSMENT continues. Duly recorded, and archived off-site, as always.

124

July 1, 2007

Sunday -



Week 19

D
Date

Harassment Calls

125

July 2, 2007

Monday - 0 calls

126

July 3, 2007

Tuesday - 0 calls

127

July 4, 2007

Wednesday -

127

July 5, 2007

Thursday -

128

July 6, 2007

Friday -

129

July 7, 2007

Saturday -

130

July 8, 2007

Sunday -



Week 20

D
Date

Harassment Calls

131

July 9, 2007

Monday - 0 calls

132

July 10, 2007

Tuesday - 0 calls

133

July 11, 2007

Wednesday -

134

July 12, 2007

Thursday -

135

July 13, 2007

Friday -

136

July 14, 2007

Saturday -

137

July 15, 2007

Sunday -



Week 21

D
Date

Harassment Calls

14th RECORDED
Violation
of Federal Law
-
Continuing
harassment =
$14,000

138

July 16, 2007

Monday - 0 calls

139

July 17, 2007

Tuesday - 0 calls

140

July 18, 2007

Wednesday - 2:20PM - NCO AGAIN - With an identification of "TAM Answering - A NEW MESSAGE, using TWO people - The first (mystery) woman is loud and carefully makes sure the "from NCO" part of the message is NOT recorded - the second woman is "Miss Bernard" - "Please call 1-800-445-4918." I'll transcribe it later - too busy right now with the
PA Attorney General

and

Federal Trade Commission.

NCO FINANCIAL SYSTEMS CALLED AGAIN TODAY, 140 DAYS AFTER RECEIPT OF A CEASE AND DESIST LETTER. The CEASELESS, ILLEGAL HARASSMENT continues. Duly recorded, and archived off-site, as always.

141

July 19, 2007

Thursday -

142

July 20, 2007

Friday -

143

July 21, 2007

Saturday -

144

July 22, 2007

Sunday -



Week 22

D
Date

Harassment Calls

145

July 23, 2007

I moved this week, and cancelled my old phone number,
since I moved to a different area code.

I got a cell phone, and have not received any more calls from NCO.

If I still had my old number, I have no doubt that the calls would not have stopped.

Pity the poor fool who gets my old number.

WHERE IS MY CHECK FOR $14,000?

146

July 24, 2007

147

July 25, 2007

148

July 26, 2007

149

July 27, 2007

150

July 28, 2007

151

Nov. 19, 2014

They're baaacck. After seven years. Unbelievable.

100

30

50

360 - 550





Date

Day
Time
Stamp

.
Summary of
Recorded Debt Collection
Harassment Calls

Vio
#

Feb. 21, 2007 - Wed.

-

10:38 AM

NCO Financial - Call Julio Elaine - Call 800-445-4918

-

Feb. 22, 2007 - Thurs.

12:07 PM

NCO Financial - Call Julio Elaine - Call 800-445-4918

Feb. 23, 2007 - Fri.

2:54 PM

Merchants Credit Guide - Call 888-249-4134

Feb. 26, 2007 - Mon.

0

1:36 PM

NCO Financial - Call Julio Elaine - Call 800-445-4918
Cease and Desist letter receipt confirmation

Feb. 28, 2007 - Wed.

2

3:51 PM

Merchants Credit Guide - Call 888-249-4134

1

Mar. 1, 2007 - Thurs.

3

5:23 PM

Merchants Credit Guide - Call 888-249-4134

2

Mar. 5, 2007 - Mon.

7

9:57 PM

NCO Financial - Call Julio Elaine 800-445-4918

3

Mar. 9, 2007 - Fri.

11

1:23 PM

NCO Financial - Call Julio Elaine 800-445-4918

4

Mar. 13, 2007 - Fri.

15

10:24 AM

Unidentified harassment caller - message transcript above

5

March 29, 2007

31

10:30 AM

-

6

Apr. 13, 2007

46

8:23 AM

NCO Financial Systems

7

Apr. 26
May 3
May 17

-

-

I receive approximately 12 - 20 silent, hang-up harassment calls EVERY week. NO IDENTIFICATION, no caller ID, just harassment! This is the time to get your phone company involved. They can identify harassment callers, and provide you with the records you will need in court.

8
9
10

June 20, 2007

113

11:07 AM

NCO Financial - Call Julio Elaine 800-445-4918

11

June 27, 2007

120

1:17 PM

NCO Financial - Call Julio Elaine 800-445-4918

12

June 30, 2007

123

10:25 AM

NCO Financial - Call Julio Elaine 800-445-4918

13

July 18, 2007

140

1:23 PM

NCO Financial - Mystery woman Bambi, then "Miss Bernard" - "Please call 1-800-445-4918 . . . Idiots.

14

UPDATE July 22, 2007 - Continuing documented violation of Federal Law - the illegal harassment continues. I canceled my phone number on July 30, 2007. This has stopped the harassment. If I had not canceled it, I have no doubt whatsoever that they would still be calling me.
What Congress Must Do!
.

UPDATE April 30, 2010 - These b@stards have found my new number, and have resumed bombarding me. Except, now they want Curtis Cobxxxxxxx. Now, when I pick up, I get this message -
"Hello. we need to speak to Curtis Cobxxxxxx, about a personal business matter.
If you are Curtis Cobxxxxxx, please press 1 now.
To place this call on hold, to get the right person, press 2 now.
To take a message, press 3 now.
If this is the wrong number to reach "Curtis Cobxxxxxx", press 4 now." (3-second pause)
"I did not hear your answer.
If you are Curtis Cobxxxxxx, please press 1 now.
To place this call on hold, to get the right person, press 2 now.
To take a message, press 3 now.
If this is the wrong number to reach "Curtis Cobxxxxxx", press 4 now. (3-second pause)
Good bye."
I have pressed 4 MANY TIMES, to no avail.
The Caller ID says TOLL FREE CALL - 866-613-4835.





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The data on this page was found on the web. Although every attempt has been made to verify the accuracy of statements on this page, errors can occur. The opinions stated above are the opinions of the webmaster, and he alone.

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