Help with NCO

[babette75]

A week ago, I had an account show up on my CR from NCO. It does not give me an account number, only and amount - $637. They have called and left me messages for the past week.

When I call them back, they refuse to give me any information unless I give them my entire social security number. I am not comfortable doing this, for one. Two, I have no idea what this debt could be. I haven't had credit cards in over ten years. The only other things showing on my CR are medical, and are being paid off.

What do I do?

[shellieh98]

I would record any calls you get from them, but check and make sure you are a one party state before doing so, otherwise you can tell them you are recording this call. (if you are a 2 party state)

If they call you again, Tell them since they do not want to discuss this account without your SS no., that they need to put it in writing and mail the information to you, as you do not know what this could be about.  If they state they can not do that, then ask them for their mailing address.

 

You can tell them if they will not put it in writing, do not call you again until they can verify the debt.  When you get their address, send them a debt validation letter asking them to verify the debt.  They will not be allowed to contact you again until they have done so, if they do, you have an FDCPA violation on them, and can file a lawsuit for such.  Each violation will cost them 1000.00.  Make sure you keep a copy of all correspondence, and you send it certified mail return receipt requested.  That is what I would do.

[cjtx]

 

You can tell them if they will not put it in writing, do not call you again until they can verify the debt.  When you get their address, send them a debt validation letter asking them to verify the debt.  They will not be allowed to contact you again until they have done so, if they do, you have an FDCPA violation on them, and can file a lawsuit for such.  Each violation will cost them 1000.00.  Make sure you keep a copy of all correspondence, and you send it certified mail return receipt requested.  That is what I would do.

 

The maximum statutory damages for FDCPA violations (either one or a million violations) is $1,000. Of course, when you tell them not to contact you until they produce dv, you are revoking any previous implicit or explicit authorization to contact you and every call they make (and you answer) would be a violation of the TCPA (telephone consumer protection act).

[babette75]

They are driving me crazy. My last name is spelled differently enough, along with the combination of my first name, and even last two of my SS, they should be able to help me. However, they are refusing to. I will write the letter, thank you!

[shellieh98]

The maximum statutory damages for FDCPA violations (either one or a million violations) is $1,000. Of course, when you tell them not to contact you until they produce dv, you are revoking any previous implicit or explicit authorization to contact you and every call they make (and you answer) would be a violation of the TCPA (telephone consumer protection act).

Yest that is correct,  Up to 1000.  One violation may not bring 1,000, but up to 1,000.  If you have multiple violations though, makes it easier to get the 1,000.  Plus you can also recover any damages for mental duress, lost wages, et all if you can prove any of them.

[admin]

Have they not sent you anything in the mail?

[BV80]

Do no delete the messages they left you.  What was stated in those messages?  

 

Also, they have to inform you of your validation rights within 5 days of their first communication with you.  I'll repeat Admin's question.  Have they sent anything in the mail?