Hello all, I am newbie with credit problems seeking advice from the veterans on this website. I will try to divide the questions on the coming posts but first.today's problem. NCO reported a paid account twice, They acknowleged the mistake verbally and they promised to correct it by deleting the duplicate $516, this erroneous reporting definitely caused me damage, my credit card (Visa platinum) interest rate is 23%,. My question is there anyway I can get back at them? or at least due to the damage they caused they may delete the whole account (1 negative reported twice)? All replies appreciated.
We can delete it in two weeks . . . Not fishing here by any means but, it's rather simple if you know who to contact. Even if you don't, it's pretty simple by just hinting at the fact that you're considering suing them.
Do you have a credit card statement from before the double entry and one after? Dispute the duplicate entry. Odds are they will verify, once they do that contact their compliance officer, detail what happened and how the screwed up and you want compensation. Write the the CC that rate jacked you and see if they will lower the APR. If not push for $'s.
What Enigma said. In addition, you could just cut to the chase and send a communication to their CEO and allege an FDCPA. It'll disappear in about two weeks. They're ***** cats since the FTC came down on them.
How can you delete it in two weeks? From reading your posts, you seem to want to threaten law suits a lot. Why? I don't think it's wise to tell someone you are "thinking about" suing them. Either sue them or don't. You're not scaring anyone. Especially collection agencies and credit bureaus who get threatened by 1,000's of amateurs everyday that never follow through.
Apex comment was germane to one company, NCO. NCO has been b*&(^ slapped by the FTC and they are a little shy right now. So exploit that vulnerability while you can.
More to this than meets the eye... Because he (apexcrsrv) can? Likely all "show" and no "go"... Good point, chane: The first rule of litigation is...don't let the opposition know too much. The second rule is: Don't do anything to make a laughingstock of yourself in the eyes of the opposition. Empty threats will do that. Mogham: If you think your case is strong enough, you should send an ITS, preferably attaching a draft complaint. However, you should be careful here, since it appears, based on what you have told us so far, that this "double" reporting of the paid collection TL may well not be the reason you have a Visa card with a 23% APR. Especially if the paid collection (apparently with NCO) is of recent vintage. Threatening to file a weak case will not help you. At this moment, it's better if you just write the most suitable "muckey-muck" (preferably NCO's legal counsel if you can find them) above the level of the CSR (who can promise a lot and can deliver nothing but headaches) and point out your problem. Do make it clear that it would be in their "best interest" to agree to remove the TL AND put their action in writing. If they still stonewall you and you continue to be "ratejacked", you will then have a much stronger case against them. Also do not forget to complain to the FTC if NCO does not "make it right"; don't count on them (NCO) doing the right thing, despite what some people say. NCO does back off on occasion, but not always, and there is no way to know at the moment how things will turn out.
It some cases it is necessary, if you want to take advantage of all the possible remedies available. For example: In Texas, collector violations are automatically a violation of the Deceptive Trade Practice Act, which provides for triple damages in some circumstances. The catch is you have to give them 60 days notice of intent to sue. So, sometimes it is in the consumers best interest to notify of intent to sue.
We don't threaten any company. That could lead to extortion claims. We've sued NCO numerous times. Nathan, Sessions, and Fishman would rather just settle with us as opposed to have us serve them and go through that whole ordeal. That is the service we offer to our clients with respect to NCO and many others. Now, as it's applicable to this thread . . . it doesn't take much to rid yourself of NCO. Simply identify something that is misleading within their tradeline and faint an action upon it. They go away shortly thereafter. It's not as if we're actually encouraging you to do something unethical like filing Bankrupcty over and over. Moreover, it's not as if we would lead you down the path of pursing Federal Civil Actions without merit that get dismissed again and again. In short, our method works. Don't believe it, try it . . .
Do not send a copy of a complaint, that is not good form and can back fire. I too have great success in getting rid of NCO, it is not that hard.
It isn't hard and no, generally sending the Complaint tips your hand should you actually need to file it. Plus, it can be viewed as extortion if there are things alleged which are dubious.
