They somehow got MY bank account information and took money for a bill they said was owed by my son! He doesn't even have any bad debt and neither do I but somehow they got money from my account.
Luckily I have a great bank and they credited me the money back into my account. I have been trying to get someone from NCO on the phone - what a joke that is. But I am pretty persistent so they WILL eventually hear from me - one way or another.
And be careful, because your other creditors, and I mean the ones you pay on time every month, SHARE your information. Mine was shared by one of the big utility companies - NCO got my bank account numbers through them!