On 9/29/06 I paid off a dept to northeast credit and collections. The debt originated with NCO-MEDCLR, and was still owned by them. 30 days later I pull my credit report, and the account has been moved back to NCO from NCC and states that no money has been paid, and no settlement has been reached. When I called NCO I explained that I had a letter from NCC stating the account was paid in full and should reflect so on my credit report. I offered to fax a copy to them, give them the name and number of the gentleman at NCC who processed the payment, and show them my bank statement. The only thing I asked in return was a faxed letter stating that my account had a 0.00 balance. They refused to send me this information. I asked why, and they told me the following excuses over 48 hours, and several account reps:
1.) we don't have a fax machine (But yet they can receive faxes from me)
2.) we are not allowed to call the other agency to confirm payment
3.) how do we know you didn't make that letter of release up (gee because its on their letter head and has their reps signature on it)
4.) We are not allowed to send you anything stating your account has been paid.
5.) you must wait 30-45 days for it to report to your credit once we receive the proof.
I was told the call center I was speaking with was in Barbados, and that the home office processed the credit information in PA. I asked to speak with them to no avail. So then I took another route. I called the rep who processed my payment at NCC. I confirmed with him that my account was closed. He personally emailed the company headquarters several times, and never even got a response.
Normally I would not be so upset about this, but I am trying to purchase a home, and I need this letter to go to the underwriter to show I paid the debt. This company is the most disrespectful and deceptive company I have ever dealt with. They also had the nerve to start asking about other people's accounts because they have the same address as mine. Isn't that illegal? Something should be done about this company and their disgusting ways!! All I wanted was a fax saying my account was paid. How hard is that, since I paid it? Would you go to a store a spend several hundred dollars and not get a receipt? I don't think so. Thats basically what this company does. I think an investigation should be started on this company immediately. If this is how they treat people who pay their debts, how are they treating those who are not...