$70 in Collections from NCO... Ridiculous?
Hey guys. I opened a PayPal account in Canada under my brother's name when I was 18 last year as I couldn't myself.
We used a post office as the address and a ⊗⊗⊗⊗ DoB. The linked credit card was virtual and I used my own cell phone number, a real bank account (my brother's).
We closed the account a couple months ago as I was going the stealth route after finding these forums, however just 2 weeks ago I got an email from Paypal saying that a buyer issued 2 chargebacks for $35 each from a month old transaction and $70 was deducted from our CLOSED account.
I thought nothing of it, until yesterday I got a call from the post office saying there was a letter here for my brother. We picked it up and it was from NCO Collections demanding $70 for the outstanding balance or being subject to bad credit.
A day or so after I start getting 3-4 phone calls a day from NCO Collections which I don't answer.
I'm really concerned about my brother as I'm responsible if anything happens to his credit rating. Can they affect his credit score without having our home address, heck they even call my personal cell phone to speak with him. I really need some solid advice from people who have experience with this.
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