Letter from BBB regarding complaint against NCO

[blooker]

So I filed a complaint with the Better Business Bureau of Washington DC and Eastern Pennsylvania. I decided that I would raise as much hell for NCO as possible. I filed complaints with my state's attorney general, the Pennsylvania attorney general, the FTC, and a few other places.

NCO sued me for a debt in which the SOL had expired. They listed the last payment date of April 2006. I claimed this was an attempt to re-age the account to sue. They also called my father and said they were calling from the Denver County Court. I asked my attorney why the court would call my father. My attorney said that the courts do not call people and there was no reason to call my parents house because they knew exactly where I was at. They had to know to serve me.

I got a copy of the response that a paralegal for NCO wrote to the BBB. It said,

"NCO's record do not substantiate Ms. xxx's allegations. NCO has not reg-aged Ms. xxx's account. Ms. xxx's credit report shows a date of last payment as April 2006; however, this is not an actual payment. It is an adjustment that resulted as a part of a class action settlement. These adjustments were done to multiple accounts similar to Ms. xxx.

NCO place Ms. xxx's account with an attorney for litigation; however, NCO had re-called the account and has dismissed the lawsuit filed against Ms. xxx. Furth, NCO has requested its entry be removed from Ms. xxx's credit report."

Okay I know that my case has been dismissed with prejudice so they won't ever try to sue me again. But I had to raise a big stink, hire an attorney, and spend a lot of time going through my records to beat this. I don't understand the "adjustments that resulted as a part of a class action settlement". What did the class action settlement have to do with me? Why did they put on my credit report that the date of last payment was April 2006 but it admitted that it was not an actual payment? Can someone please explain to me.

[MadinKS]

Sounds like the slimy F'er's attempting to slink out of the re-age. I would talk w/my attorney to see if he/she's willing to due a case on contingency. The damage had been done prior to dismissal of the case and you were forced to spend your money on an atty to fight it. Sounds like a suit to me. JMHO.

[blooker]

I met with my attorney about a week ago when we got the dismissal letter from NCO's attorney. She asked me to think about suing. It was strange because when I first met with her she advised against suing.

I told her I trusted her judgement and advice. She said she will do a little research and talk to some of her colleagues. She did say that if she determined that we have a case, she would do it on a contingency basis.

I think I will forward the letter to my attorney.

[MadinKS]

Get 'em. I hope you win big $$$$$$!!!!

[answer2prayer]

Congrats blooker.

Keep us posted on your progression!

[kevin3344]

I never thought I would utter the words, 'the CA is right' but in this case I think they are.

The date of 1st delinquency is what determines the reporting period, and once this is provided to the CRAs by the CA this cannot change. Date of last payment, while it might make the account look more recent, does not affect the reporting period. So a payment would not re-age the account.

Still, that's a lot of gall on the part of the CA. I would think about suing...sounds like you have a good case.

[MadinKS]

I never thought I would utter the words, 'the CA is right' but in this case I think they are.

I don't ever want to see those words again. Have you been drinking? Just kidding. We'll let you get away with this one time, but don't go swayin' the wrong way to often though. We'll all start thinking you're

[CarolinaBlueEyes]

why the BBB thats useless.. you know how I got NCO.. file a complaint with the AG you can do it at the PA AG online.. that got them to wake up and delete all kinds of things from my credit right down to an apology letter

a year or so ago they were spanked HARD by the AG of PA.. they dont like dealing with them.. I tried everything else but filing that complaint which took 10 minutes got noticed

[retmar]

Did you forget that the making of even one payment can reset the clock in some states? If they claim last payment was in 2006, and your state allows, you have a new SOL. But, if no payment was made, OOPS! BUSTED!

As to the NCO comment about a class, more than likely a pile of "Stuff" to make them look good. Actually, your complaint trapped them to where they found it was better to close, delete, and go eat Maggot Droppings.

[blooker]

why the BBB thats useless.. you know how I got NCO.. file a complaint with the AG you can do it at the PA AG online.. that got them to wake up and delete all kinds of things from my credit right down to an apology letter

a year or so ago they were spanked HARD by the AG of PA.. they dont like dealing with them.. I tried everything else but filing that complaint which took 10 minutes got noticed

I did file a complaint with the Pennsylvania Attorney General. I just haven't heard back from them yet. I made a huge fuss all in as many places as possible. They dismissed the lawsuit and they deleted from all my credit reports. What bugs me if that I am out attorney fees and court filing fees.