NCO Financial Systems called us nearly every weekday for about one month with the following automated message: "Hello, this is an important message from NCO Financial Systems, a debt collection company. This is an attempt to collect a debt and any information obtained will be used for that purpose.
Please return the call to Mr. Roberts at 866-826-1496. When calling, please refer to code UFB487." This message never asked for us by name nor did it go into specific detail about what this debt was for, who we owed it to or how much. We have no past due bills and we received nothing in writing from NCO or any other company.
One day, I got so sick of it (I actually had a migraine which always comes with a bad mood swing.) I picked up the phone, said a prayer and dialed the above number. I was given an excuse as to why I couldn't speak to Mr. Roberts and the guy on the phone asked me if I was calling from the same number which NCO called me. I said, "What number did you call?" He said, "I don't know." I said, "You don't know?
How could you call the same number for a month and not know what number you're calling? What are these calls about?" He said, "I don't know." I said, "I want this to stop." He said, "We're going to keep calling you, Ma'am." My eyes widened, I took a deep breath and screeched into the phone, "I want this to stop right now! I think you people are a bunch of identity thief scammers! Don't you ever, ever call my house again..." I went on for about ten minutes and by the time I was done, my throat was rattling, my hands were shaking and the guy on the other end had hung up.
(I believe that was the beginning of the answer to my prayer.) I then contacted the New York State attorney general's office and Lemberg & Associates. They were both very helpful and it didn't cost us a dime. NCO has not bothered us since. Don't be intimidated by them and don't give them any personal information.
(If they were collecting a legitimate debt, they'd have all the info.
already.) Don't send them any money if they haven't sent you any proof that you actually owe this money. A collections agency cannot repeatedly call you and not tell you specifically what they're collecting, who they're collecting it for and how much.
Review about: Nco Financial Systems Debt Collection.