Leave it to a den of snakes like NCO to rebrand some of its lawbreaking under a business name which sounds like an imported breath mint. Robert, I don't know where you get your "FTC rules". A debt collector must send ONE dunning letter within five days of the initial phone call, and that's if the alleged debtor has been identified. The sloppy skip tracing calls obviously don't need a paper trail.

If you are receiving repeated, misdirected, and/or abusive calls from a third party debt collector, you may find relief in the provisions of the FDCPA, the Federal law which regulates collector behavior and provides you simple tools for your own defense. It grants you control of how you are contacted, and collectors can be sued for their crimes. Learn your rights and first response tactics at FTC-dot-gov. See also your state laws for additional support.
 Jan 05th, 2011
some old boy called me and said I owed money to Total Visa after 7 years and I said I only have 1 visa card and that is with my bank and he was calling from INDIA come on dummy the law states under FTC rules that you are to get at least 4 letters then you can call so learn the laws of America dumb asses and do not call me again.
 Jan 04th, 2011
Got two calls today, they were very rude. Gave a call back number for my husband 866-412-0732 ext.51542.They say there's an outstanding debt that was charged off in 1997. Said we had been paying on this, the last payment being late in 1997. 14 freakin' years ago. Over $20,000. still owed...we've never had the account they're talking about let alone made any payments on it. We don't owe this and they have no original contract signed by us. They are a collection agency, ZETA is an alias for NCO.They try to collect charged off debts using anyone's name they can find associated with yours...especially an X-spouse.
 Jun 28th, 2010
I have no idea who these people are. I got a call from NCO Financial yesterday morning at 8:30 and now today at 9:00 am from them. I had no idea who it was so I didn't pick up the phone. They called my cell phone and just like Stinnett, I too am on the no call list. According to Donna, these people from Zenta Limited are the same assholes using NCO Financial.

I don't owe any money to anyone or owe money on anything. I have paid all my credit cards off, paid my student loans off and I paid off my truck and since I have the title to it, I own it. So I have absolutely no frggin idea who the hell they are or what the hell they want.

They keep it up and Stinnett and I are going on a little road trip together, find these assholes and put them in the hurt locker.
 Apr 08th, 2010
I will get you paid around the first week on May or around 7th May. I cannot hear on the phone as my hearing aids both broke down. I am on vacation from work cannot work until hearing aids fixed. Please let me know who you are , who you represent, how much I owe you and I will get back to you as soon as I can hear.
vicki Halsey
 Apr 03rd, 2010
Zenta Limited is an alias for NCO Financial - debt Collection agency who will call you repeatedly whether you owe money or not.
 Mar 24th, 2010
this company is calling my parents, of all people; attempting to collect a debt owed (apparently) by my husband's first wife, whom he divorced in 1994. Bottom feeders!! and they have the gall to say that the number was given to them as a contact for this woman, as her residence!!!
 Mar 23rd, 2010
There is a statue of limitation to collect debts. Check your local State to see what the time frame is. They must provide you with a Debt Validation letter. If unsure about the debt, ask for the validation letter.
 Mar 15th, 2010
this number keeps callin and when u call it back u cant get anyone. Please call 404-569-5600
 Jun 04th, 2009
I received the same call as Elizabeth did .. if these ppl want to talk to me then they can either leave a message or talk to me.
 Mar 02nd, 2007
I received a call from NCO (never heard of this company, but) according to them I owe over $1100.00 to Sears from a Sears credit card since 1994 and used the card until 1999. don't have a Sears card, dont' want a Sears card, didn't use a Sears card. This guy tells me that I also had just made a $200.00 payment and wants to set up a payment plan !!!!. Well if I just made a $200.00 payment why the hell would he have to set up a payment plan. Now the good stuff, when I ask for documention regarding this "card" I was told that he didn't have anything with my singture and that he didn't know if the info. would arrive at my house -what- If these are the type of people Sears uses to collect bad debits I dont want anything to do with Sears, their charge system or their products.
 Mar 01st, 2007
Keeps Calling Asking For Someone I Don't Know
 Feb 20th, 2007
These people are representing NCO Financial. We ow no monies to them & they keep calling.
 Feb 16th, 2007
Can't understand the people when they call....not sure what the hell its about
 Feb 09th, 2007
These People called today Zenta Limited. They ask for another person that has never lived here. They call 2 times today. They are the same people that called the other day using NCO Financial. These people are collectors. My husband I owe no one anything. These people keep asking for a lady that does not live here or has never lived here with me or my husband. I am contacting an attorney. I am sick of this bullshit. WS NC
 Feb 05th, 2007
if this fxxker calls my home again i'll find the ashole
in Pa. and kick his ass.this
guy call 4 times right inrow
i'm on the know call list.he
keep asking for my wife
by name.
 Feb 04th, 2007
We received this call @8:17 Saturday morning. The caller ID read Zenta Limited. There was no msg. left. This is the first call from them that I know of. Anyone know who this is???
 Jan 27th, 2007