National Action Financial Services - Is it good to deal with?

Give a call and ask National Action Financial Services to validate the debt in writing. You should have the complete information within five business day to confirm that they are doing legitimate collections. You will know that they are the ones authorized for this. Sending a cease and desist letter at this stage might pass on the debt from one company to another. You will send the letter after they have failed to validate your debt and if National Action Financial Services don't stop calling you. Here is a sample letter of the debt validation letter.

I just posted some of the corporate info, including address, on the second page of this topic. http://www.debtconsolidationcare.com/forums/about8848-1.html

Hope it helps.

I too have been contacted by National Action Financial Services, I have asked them to send me their proof they refused to do so, that is unless i had a fax . They said they are going to sue unless they get there money with in 24 hours , i just got a letter from them!! It clearly states that i have th right to dispute, but when I told them I was because the information they have in incorrect they said I can't. They were also incredibly rude -beyond all belief!! The woman called my spouse a liar and told me she is in charge now, there is nothing I can do and hung up on me several times. I work in a collection agency and everything they are doing is unprofessional and agains the law, National Action Financial Services are a bunch of rude liars and crooks!!

Since you have received their dunning letter, send them a DV. If you are in a 1 party state, start recording their calls. SInce you are a collector, you know what they can and cannot say. Use that agaisnt them.

I just barely finished dealing with NAFS, and had a slightly different experience.
In the messages that were left on my voicemail, the company did identify themselves, and they did use my wife's name. And when I called the man I talked to was very nice, and made it seem as though he were trying to do his best to help me out with a problem.
However, the problem he was trying to help me out with had been taken care of almost 10 years ago!
NAFS has apparently been trolling for old credit card debts that had been charged-off by the credit card companies and has now started calling the individuals to try and convince them that the debts are still outstanding. I checked my wife's credit report and the debt which they're trying to tell me is still outstanding doesn't even appear anymore.
It's very upsetting that companies like this exist. They're bottom-feeders trying to make a buck anywhere possible.
What a disgusting company!

charged-off by the credit card companies and has now started calling the individuals to try and convince them that the debts are still outstanding

Charged off is not the same as forgiven. With the exception of 2 states (MS &WI) an unpaid debt is collectible until paid or the sun goes super-nova. National Action Financial Services have the right to ask but you have the right to say no with zero negative consequences.

do people not realize that if they didn't let their bills get this far behnd that they wouldn't have thee problems. anywayss i worked as a collector for 10 years. a lot of laws have changed sence i worked in collections but I will say that NAFS was the most respectful company that I ever worked for. A lot of other companies are very shady and claime to be law offices and such. If you get "harrassed" by a debt collector that claimes that you are someone that you are not, tell them to stop contacting you and that they have the wrong person. if they keep contacting you that is a violation of the fdcpa. Anyways so you all know I have 2 batchlors degrees and ot all debt collectors are uneducated people. I just am a bad speller! lol! I have had pleanty of financial probs w/devorce but you cn't hate on a debt collector, they are just tring to survie, and in the Buffalo, NY area thre are no other jobs that are about the $11 cost of living, and NAFS doensn't pay that much hourly, they pay less than that. Commission is what pays people, and really it isn't that much! Good luck, and God bless!

when you pay an account off always request an account paid letter, even with a settlement. legaly these companies must provide this information. a lot of accounts are not closed out properly, and it is not the collection agency that you are taking to's fault but the prvious account holder that didn't close the account properly. Also when you get your account paid letter you should send a copy yo experian trans union and equifax asking them to remove it from your credit. the bank has up to 90 days and collections agencies have up to 90 days to tell the bank to take it off. SO that is 180 days you are waiting for them to take it off if they do it right in the 1st place. do it your self, and it will be done right! I have always given this advice to debtors. I no longer work in collections but I am always willing to help with advice.

I filled chapter 7 banckrupcy 10/27/03. Included in the banckrupcy, and surrendered was a 2003 Mitsubishi Lancer. I was contacted about 8 months ago by a collection agency stating I still owed the loan. They were polite and professional. I simply faxed them my discharge papers and they appologized, stated they would nootify Misubishi and the calls ended. I assumed the issue was corrected.
Well today, I received a call from National Action Financial Services at 1-800-697-4901. I returned the call not knowing what this was about?
I spoke with a Mr. Thompson(? I couldn't really get his name). He was extremely rude, yelling and swearing. I'm ashammed to say, he did get me upset as well.
I tried to explain the situation (between screams and swearing)he just kept calling me a liar. I asked for his fax number so I could fax him the discharge papers. He simply hung up on me. I called him back about 15 minutes later after I dug my discharge papers out, and he did not answer.
I want these calls to stop. I have filed the propper bankrupcy papers and they respossed the car.
I would welcome a law suit against Mitsubishi for harrassment and as well as NAFS for harrassment, abuse and illegal collection practices.
I cannot see how I can/need to be harrased about a situation I legally resolved 5 years ago (to the day)
Thank you for any assistance you can provide.

in that case.you don't even give this bottomfeeder anything.except a contempt order from the bankruptcy trustee.
go for the throat on this one.give NAFS'S info to the trustee,then check into your state laws regarding recording calls.any debt discharged in bankruptcy that CA attempts to collect is contempt.

Hey Paul, just noticed your "HOF" and "Moderator", BELATED CONGRATULATIONS!!!

thanks,guess i'm better known than i thought.

People... people.. they are full of crap! I got a letter today and they said I owed something to blockbuster in CA. I lived in CA 6 years ago and never went to the place they claim I owed. SO I called blockbuster. Guess what, I was right. I owe nothing. Never, never pay without checking it out. I did try to call them but they make the call go in circles and you have a hard time even reaching a person. I am waiting for them to call me and then I think I might make some money out of this.... I am no fool!

Interesting,....I am getting a calls and a letter from them regarding block buster also.

It gets even more interesting,...I have no outstanding balance with Blockbuster

Swonavy,...would you happen to be in Sacramento also? How would it be possible to make them have to pay out???

an alternate contact # for NAFS: 800-847-9653.

i got this number because it showed up on the caller id at my office. AT&T was having problems with the lines and was rebooting its system so we were writing the numbers down as they came in and called them back on our business cells. as it turned out, they answer "National Action Financial Services." the man i spoke with was very rude. be careful what number you call them from as their caller id links directly with their computer system to pull up accounts automatically. if you call from a different number, i wouldn't put it past them to harrass you on whatever number they can get their hands on. the man i spoke with accused me of getting a message and that's why i was calling him. he didn't believe we were having trouble with our lines and i was just calling the number back that came up on my office's caller id. good luck!! i will be passing on your helpful information to the person in my office this company is trying to harrass!

I have asked NASF to send a written statement for 7 months and they do not do so. The above mentioned comment about they will only send a fax was told to me several times. They also said my brother was on my account, and he isn't. I got them in a conference call with Chase Bank and the NASF woman promised to send a corrected statement, but never did. I have never seen their address in print or anything in writing. If I dial back her 800 395 4084 it's some kind of "girlie" line or a "chat line"!!! These people are not above board and I don't know why Chase deals with such a third rate firm.

They do not use fdcpa practices and do lots of illegal stuff. Their attitude is that we cannot afford to sue. My community action group here in Manhattan can, and will. If you complain to the Attorney General and to the state banking commission, you can have your account removed from their files for their illegal practices. I would Google the AG's consumer number right now. Email the AG, NYS Banking Commission, and Chase in one email. Keep us posted.

My story is very much like the ones I have read here, except in this case, they called my place of employment and left a message on a government phone that they were looking to speak with me with regards to a debt. They actually stated that they were not a telemarketer but a debt collector.

These guys totally violated FEDERAL policies that protect consumers (even if the debt is true) from such disclosures.

I just came across this website/thread while doing a search for NAFS. I received a letter from them saying that I have an outstanding debt at a Blockbuster in Lorain, Ohio, even though I've never even been to Ohio.

I suspect this is a scam because it lists three ways of paying the alleged debt, two of them by paying NAFS, the other by going to the store that the alleged debt was incurred to pay it off, which is of course absurd since I live in NC.

I have to wonder how many people out there get these letters and think 'gee, I bet I do owe Blockbuster a few bucks even though that isn't my location' and end up sending checks or calling and giving their personal information to NAFS.

National Action Financial Services is not full of a bunch of "bottom feeder-crooks". I worked there for 3 years until the birth of my son forced me to leave. There are some people there who are complete jerks and shouldnt do collections because they're collection skills and people skills are lacking.....however for the most part everyone there wants to actually help. It would help if you have a debt to contact the creditors and inform them of your situation that way the collectors wouldnt think your "liers". They only see what the client or Creditor gives them. Keeping them informed and tring to actually show them you want to get back on your feet and not have bad debt will help not only you personally but the situation as well. Stop hiding from your debts....i understand that some of these so called collectors are complete morons, but if you actually keep in contact with creditors this problem wouldnt exist. Im actually currently going through a hard time financially but all of my creditors are aware as well as the collectors and they have all been very understanding. Good luck to everyone!

I got these maggots calling me too.
Probably for something that happened about 12 years go.

They are obviously using some sort of automated (read computerized) system. And do several things that are in the least unethical, and nothing short of harassment.

A) The computerized thing calls me and leaves a message.
If I pick up the line there is no one their to answer.
It's nothing different then the AFAIK outlawed things that telemarketers have done in the past.

B) They rotate around several different numbers some 800, 877, and some with different prefixes from what appears to be different states. They even resorted to using some sort of caller ID spoofing with weird 3 or 4 digit numbers.

I called these maggots today and told them to stop calling and harassing me.
I couldn't even talk to the guy that supposed that called me (again it's obviously automated the party that calls you is not present at the time). I talked to some lacky who told me "I just answer the phone", and they they are based out of New York.

This is bad and rude as any telemarketer call.
As a matter of fact the whole thing reeks of "telemarketer".
FCC, FTC, etc., please step in and eliminate this unethical, national harassing, "company".

And the person above who claimed this was a good company.
F.U., you're are an F'ing maggot as well.
Go do something productive rather then harassing people you
bottom-feeding, scum sucking A.H!

STOP National Action Financial Services Harassing Calls
They are calling for the National Action Financial Services.1 800-697-4981 They always misrepresent themselves as a Mr. Newman. (Which is a false identitification) and never states what company they are representing. They make harassment calls for people who do not reside at the phone number. Their message says to "Dial 1" to speak to someone, yet when you do, it hangs up and does not work. Brandon Wellington of National Action Financial Services, was the rep's name that was calling repeated and when I finally got through, he said sorry and hung up without telling me what business he was calling for and without saying I will be removed from his calling list. I called back and was hung up on again. I finally spoke to someone who told me the company name and hung up ubruptly as I was speaking. VERY rude and harassing behavior from ANY business 'National Action Financial Services' and should not be tolerated. especially when they are calling the wrong number and harassing the average citizen. link to further discussion on this business and their unethical practices.
-Do a search on "National Action Financial Services" and find out about them.
-Complain Online to the FCC. (Google FCC)

3 out of 4 of the National Action Financial Service representatives were rude. I finally got all my information from a 4th representative. The first 3 deplorable representatives quickly said what they wanted and hung up ubruptly leaving me with no chance for me to ask what their name is, what company they represent, will I be taken off their call list or inform them that their machines for speaking to a represntative during the message is malfunctioning.

I must assume that these contemptible representatives reflect the type of employee this company, National Action Financial Services, chooses to hire to represent them.
3 out of 4 representatives would NOT state the company they work for when asked.
3 out of 4 representative would NOT state their name when asked.
Their message machines didn't work when I tried to contact them. They lied, misrepresented themselves, conducted themselves in an unprofessional manner, were impolite and inept as they had repeatedly called a wrong number.
There is no reason for ANYONE attempting to make contact with another individual, be it a collection or any other business matter to act in such a manner.

Call it what you will...but apparently, National Action Financial Services hires mostly that type.

They auto dialed and auto message one of the phones in one of my building. Did not say who they were "trying" to contact. No information on any account. Said, " I must reply." Reply to what? Trolling for sucker? Unprofessional. I am not saying they're on the con. They act like it. The feds need to reach out to these guys.

Had my accounts checkout. No problems.

Do not rely to people using conman tactics. I don't.

Reading through these posts concerning NAFS is disturbing. They've been calling me just recently as well and I've not returned the phone calls as of yet. I am cautious to speak to any so called "collection agency" who fails to fully identify the matter at the time of the call. Sometimes it tends to be a phishing game to obtain personal info from the person who eventually becomes a victim of identity theft. So please be careful there! Do not give any information about your address, SSN, date of birth, mother's maiden name...nothing that can personally identify you to these people.

Unless this company can verify in writing that you have a valid debt (with back up information that shows you incurred this debt), your are not obligated to pay any such debt. It's also good (as someone pointed out) to verify this debt with the actual creditor. In addition to complaining to the FTC (Federal Trade Commission) (not the FCC which is the "Federal Communications Commission"), you can also report these people to both your local state attorney's office (as well as the state attorney's office(s) where NAFC has a business practice) for fraudulent collections practices.

With me, they picked the wrong consumer to pick on. Between them and me, chances are good that I'm the only one who actually has been to law school.

I had a similar experience, where when I called back 1-800-697-4981 (since they had been leaving my company an automated message for about a month now) they had a wrong number (and trying to reach someone that I had never heard of.)
When I told them, they are calling a work number and no one by that name works here, and we wanted to be taken off the list and stop being harassed, she kept on asking for my name.
But seriously, why should I leave my name to a freaking scam company? And why can't they admit that it was their mistake and they shouldn't of had been harassing my work number to begin with? When I refused to give them my name,the woman on the phone hung up the phone. Are they kidding me? I do customer service and answer phone calls all the time and I understand that we all have our bad days, but I would never treat people this way. Furthermore, why don't they admit that they were wrong?

Just remember, this is a collection agency. Customer Service should be the last thing to expect. This is not a consumer service business with big smiles and "Hi! How are you today?"s.

Unfortunately, NASCARS's right. The really sad thing is, you usually don't even get the "Hi! How are you today's?" when you do in fact call a customer service number. So you're definitely not going to get it from a CA.

I always give a fake name if they ask who I am when I'm calling a CA to let them know they are calling a wrong number. You'd be surprised how many times "Juan Valdez" (remember the old coffee commercials?) has called some CA's! Or John Doe.

Seriously, National Action is part of one of the two FDCPA, FFCCPA, and FCRA cases I am currently pursuing. Of course NAFS is just one of two CA's the Pinnacle put on me; Pinnacle is the ultimate violator I'm going after in one of the lawsuits.

every single one of you in here are ** no . i work at nafs, i am a very good collector i am very professional, i am very polite, i am very educated. i also have to deal with *** like you every day. people who will do anything to get out of paying their bills. they lie they hang up i have people tell me they are dead i dont care if the debt is thirty years old you took out the loan you defaulted on the contract you owe the bill have some self respect. you should all be ashamed of yourselves for trying to pin your debt on the taxpayers of this country."they took the car so i dont owe it" "that card is four years old i dont have to pay anymore" if this is really how you think i want a loan from you! let me borrow 5k from you i promise ill pay it back :-).. *** i will call you and your mom and your neighbors until you man up and pay your bills. and i dont care if you think im a scumbag or a "bottom feeder" i have perfect credit i own a home have two cars and a boat all i did to get it was help people fix their credit

***
no personal attack, please - Jason

Jack John, yes you are a lowlife, that's what your wife told me last night while we were riding around in your car.

Jack John, you're the ***.

When I request validation of a debt from NAFS and all they send is some "balance statement" on Pinnacle Credit's letterhead telling me "yes this is the debt and this is how much it is", then, no, I'm not paying it as that is not proper validation. You know it, NAFS knows it, and Pinnacle knows it.

Then, Pinnacle tries to be slick, knowing this debt has been disputed and validation has been requested through NAFS, and they pull the debt from NAFS and place it with another CA. Plus they report the item on my credit report, again, knowing it is in dispute, and do not report it as being in dispute.

Whether or not I actually owe the debt is irrelevant at this point as FDCPA, FCCPA, and FCRA cases are separate from the debt issue. Besides which, the money I receive from winning this case, and I will win because I have excellent documentation, will more than make up for whatever it is I owe on this debt.

So Pinnacle and NAFS might have actually gotten paid on this debt if they had done what they should have and responded to my validation request. Instead, they will now be owing me money.

As for your quote.
***
Please refrain from personal attack - Jason

And once you have been told not to call these third parties and you continue, then that will be just another FDCPA case against NAFS. I will find out your name and will mention it in the court papers when I do file suit.

So knock yourself out!

I have helped out one person with them because they got scared. NAFS threatened to sue them if they didn't pay right away on a $72 credit card. The credit card is way out of SOL, about 10 years old. It is sad that a company would take advantage of the elderly on social security who do not have to pay you by law, never mind that your company can't sue if the debt is time barred.

I will tell you this, if your company puts it on his credit report after I he sent you a debt validation letter, your company WILL have a nice big lawsuit on their hands. Your company will be paying out THOUSANDS of dollars for a judgment, all because they violated the law collecting on a $72 debt.

How ya like them apples?

jack john=turnip.

They call all the time and harass me about a non-existent Fleet bank account, Fleet was taken over by B of A The account was transferred and became a B of A account, they still lie and say "You owe money", F*** no I don't, B of A apparently never paid fleet's accounts, or listed them as charge -offs, straight LIE.

As well, were there a debt, it's now barred by Statute of Limitations, and irrelevant now They lie and say it's NOT under Statute, and still due, F*** them,

This company sent a letter to a friend I am helping out. I sent a DV letter for him and they received it on February 27th. I called them and they now say they sold the account off on the 27th and have no information on it,lol......

My parents were receiving daily calls from this company. They simply reported it to our county sheriff. They called the company, found out the phone number the collector had was out of date, and got them to quit contacting my parents. They were very interested in having us notify them if the phone calls persist.

I started at a new company with a new phone number and have received calls EVERYDAY telling me to call Jeremy Perry at 800-219-6227. I call them back and they have no idea why they are calling, who they are calling for, and have no record of this phone number. I ask them to stop calling and they say they will "look it up and get back to me". So far, I still get a phone call every day and NO one there knows why.

The thing about this company is that it doesn't have the simplest of it's facts straight. I actually owe them (get this) $40. That's it. (completely could have been avoided, I totally accept the responsibility) It's on a blockbuster account my husband and I rented and never returned. I called them today about paying it in full, no one could find a record of my husband and it took me an hour and a half to track someone down and try to pay them. I finally got a hold of a male, explained to him that the account was over a year outstanding and I wanted to pay it. Hereafter a yelling match ensued. It. was. ridiculous. I told him that his company had NEVER contacted me, I assumed the account went into collections which blockbuster acknowledges that the account was bought out from NAFS. Blockbuster gave me their number and after getting disconnected and ping-pong'd I got a hold of this man who began insulting me for waiting so long to pay it. This $40 dollars is the ONLY thing on my husband's credit report now, and after the yelling match and the back and forth insults I hung up. I did his job for him. I called him unprovoked to settle this crummy $40 and they couldn't even do THAT right or professionally. The account is still as of this afternoon outstanding because he claims the system 'cycles out' accounts every so often which is part of why they were having problems finding my husband's account. It all ended up sounding and being a bunch of b.s.

This alleged company calls my home every other day. They are a third-party collection services company attempting to collect a debt for Pinnacle Credit Services, LLC. We bought a phone at Target and it has an electronic voice that states the name and # of the party calling, which is heard throughout the house. I do not pick up when I hear, "Call from 'unavailable,' 1-800-697-4981." I called this company today, stated who I was, and asked for a mailing address. I was not given an address, rather I was harrassed as to the reason I needed an address...so I hung up on "Mr. Dunn," most likely a fictitious name, but a rude S.O.B. who wanted to play verbal games, rather than just GIVE A COMPANY ADDRESS! He did not know why I asked, I may have decided to send money, for all he knew. But Mr. Dunn proceeded to harrass me as to "why" I wanted the company's addresss, so I refused to talk to him. I called back and an R.K. Ross answered the phone; polite, professional and he gave me the address I requested. If anyone would like the address, here it is:

National Action Financial Services
165 Lawrence Bell
Williamsville, N.Y. 14221

You are wrong, Mr. Noooone, in that a person does NOT have to pay a bill if they have had a financial collapse. They do need to send a letter to the address of the financial institution who is harrassing them through mail, phone calls, etc., and ask the company to stop calling; THE COMPANY HAS TO OBLIGE AND THEY MUST stop calling. Companies are not PERMITTED TO HARRASS. Most people are very happy to pay their bills on time; including the U.S. GOVERNMENT! ... which has a serious problem, as well. Do not think it cannot happen to YOU at some time in your life, Mr. Noooone. You might eat your words someday.

LOL I did like the "drugs" comment ... I don't even take asprin!

These companys lose their right to sue after 3 years. each state has a different SOL but most are 3 years.

I told this lady that i will make a payment she said okay for the amount. now they still call me every day some time 3 or 4 times a day and are very rude the lady to me to get a job. How when there is no jobs out there for me. im going to legal aid for help on this b.....

I'm in debt, all of which has gone to creditors...a real mess to say the least. Between nearly a year in default car loan payments, a large school loan, medical, cell phone, and a number of small miscellaneous debts;where do I even begin. I've recently been getting calls from NAFS & they probably are calling on a legit claim, but without knowing what bill they're collecting on...I don't want them to know where I live or work if it's not something I can pay off quickly.
What to do?

A while back, when economic outlooks were better, National Action Financial Services LLC, or NASF, joined with a global entity named SITEL, which was a very profitable customer service outsourcing company (the phone rep whom you can't understand) until the global economy tanked and the conglomerates outlook became less rosy.
SITEL, not educating themselves adequately on U.S. consumer protection laws were leaning hard on the NAFS collections operations to increase contributions , who then leaned on consumers too aggressively which won them at least one hefty fine in 2007 for illegal collection practices.
SITEL has not been overly generous in sharing their results since 2006, and there???s speculation that it is experiencing some losses worldwide. The fine that their collections side was penalized with was absorbed and doesn't seem to have dampened their over-aggressive confrontational style. It is unlikely, given their worsening financial status, that SITEL will back off their over-zealous behavior very much for the reason that improved earnings from the collection operations are now so urgently needed, and foreign owned companies are notoriously slow to learn about American culture as well as applicable consumer law. They will likely have to take a few more significant legal hits before stepping back and rethinking the risky NAFS model.

national action just called and left me a message. the debt they are calling on is over 10 years old. do i talk to these people, or do i just always watch caller id and ignore them. are they going to start calling friends and family???? about the debt... i sent through a debt repayment plan and paid all but 1000. i recieved a letter from a "lawyer" a couple of weeks ago, claiming that the debt was over $9000 because of fees and interest. this debt has not been on my credit report in years. just wondering how i need to handle this situation.

Jerry was apparently right about "NEWMAN"!

I'm trying to settle a debt with NAFC, they faxed a settlement letter, but it does'nt have much info on it, say's - you actually owe-xxxx
we will settle for-xxxx
amount due by-xxxx
Does'nt have any signatures, is this legit?
Also the debt is from a loan I co-signed (stupid,I know) and I never got a copy of the original loan documents. What do I do?

ALWAYS get a settlement letter in writing. That way if they decide to come after you for the remainder anyway, you will have a defense. NEVER pay a settlement without a hard copy settlement letter. These people are VERY BAD. They show 387 complaints to the BBB. They were also sued and fined in New York, so they may have calmed down a bit, but it's best to be on the safe side at all times.

I am also getting calls from this company....I don,t know why they would be calling me...I do not have a debt outstanding of any kind. I immediately called back and got nothing but hold and when you press to leave a message, you get a "voicemail box is full". I want these calls stopped...I don't know how they got my phone number but as I have already stated....I DO NOT HAVE ANY OUTSTANDING DEBTS!!!!!!!!!!!!!!!!! Next call, I go to the Better Business Bureau.

My sister received a call today from NAF asking for me. The phone is under her husbands name. How could they have known this was a relative of mine if we don't have the same last names? Is this legal?