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

i got a call from a number i did not recognize, so i did what everyone would... googled the phone number, found out their name, and googled that as well. the person left a message, saying that my number was given as a 2nd party number in reaching "mrs. smith". the name they used was completely wrong, as it actually mixed two of my former married names, as my first and last name... so i KNOW whatever they are calling for is not correct. also, in the message she left, she said that 'mrs. smith' or her attorney needs to call back right away and to ask for the 'administrator' inher case. TRYING TO MAKE IT SOUND LIKE THEY ARE THE COURT SYSTEM????

We just received a letter stating that we owe over $8k dollars for a credit card that we have never had! Tried to speak with them and we requested a statement of transactions and they said they cannot provide one. When we refused to settle the bastards hung up on us! WTF!

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Just send a collection letter to 1000 people picked from the phone book - bet you might get some money back from people that don't know any better. That's the scam National Action Financial Services is pulling.

Oh my god, you guys are all hilarious on here. I swear.. Do you honestly have no idea how this process works, or what goes on at collection agencies?? Now I'm not trying to say that any agency has the right to violate the FDCPA, or the FCRA, or any other law governing collections. But really, all this garbage people are complaining about wrong numbers, must be a scam, must be this or that.. Let me clue you in to how this works, from the inside (yes, I worked at NAFS for a long time, and NO - I was not a collector!)

You have a debt with company A. You don't pay the debt. It goes through 3 or 4 rounds of collections. These agencies are bad agencies, and they can't find you because you've moved and gotten a new phone number. They don't bother to look, they just skim off the "easy money" - people who answer the number that was given them by company A, and agree to settle or make payments. Company A then sells the debt to company B. Company B then places the debt with yet ANOTHER round of collection agencies.

The information given to agencies? Your name, SSN, the last address & phone number they had for you, and the balance. Usually, there's not much more than that. Seriously. Verification of debt? Sure, it's your right, but don't expect it to be timely. They have to request that from the original creditor. Sometimes it takes a few days, sometimes a few months, sometimes they never get it. It depends on the age of the account, and how good the original creditor was at keeping records. The older the account, the less likely they are to be able to dig the paperwork up.

Collectors work on commission. Plain and simple. EVERY agency out there works on commission, from the top to the bottom. If you owe $1000, the agency gets paid maybe $300 if they collect it all, of which the collector might see $30. But, they only see that $30 if they collect $6000 in commission for the month, and THEN they'll only see that $30 if it's ABOVE the initial $6000. So, if they collect $9000 worth of commission in a month, they might see a $300 bonus check. That's in addition to the $8 or $9 an hour they are being paid. Sound like a good paying job to you? Is it enough to make you tolerate irate people calling and cursing at you 8 hours a day, 6 days a week? Oh, and don't forget that the bonus checks are taxed at 43%. So now that $300 turns into what, $171? Wow...

So yeah, when you call and say it's the wrong number and you're all mad and aggressive, they're going to hang up on you. Why? Becuase YOU AREN'T GETTING THEM PAID. You want your number removed? Either call and BE NICE, or send them a letter so that someone who's paycheck is not dependent on commission can open the mail and remove your number.

As far as asking for someone? When I left, there were over NINE HUNDRED SEATS in the place. NINE HUNDRED!!! You think I knew everyone who worked there? There was more than one building! I never even SAW all the people that worked there, let alone knew them by name.

BTW - using an autodialer is not illegal. BUT - the reason they don't identify why they are calling on voicemail - that's because doing so WOULD be illegal. They would be divulging the fact that you owe a debt to a collection agency. If someone other than you heard that message, it would be third-party disclosure, which would be an FDCPA violation. Yes, I know, it sounds absurd, but agencies have been sued for it, precedent has been set, and so they are trying to change their messages to not bring about those types of lawsuits. That's why the caller ID doesn't usually say who they are, either. They are trying to respect YOUR rights to privacy as provided for by the law!


As far as the quality of individual they have.. There are literally over two dozen agencies within a 10 mile radius of NAFS. Each and every one of them needs collectors. NAFS has almost 1000 seats to fill. How picky do you think they can afford to be?? It's the same principle as why McDonalds doesn't hire the best employees.. Supply and demand, folks.


Just something to think about. Go ahead and say whatever you want in response to this, I'll probably never visit this website again, and frankly, I just don't care. I just thought I'd clue you guys in a little bit to the other side of the equation.

thanks for that humanoid.now live up to your promise,and never visit us again.

I was getting calls at 8:03 every single morning from these guys, saying that "this call is solely intended for Andrew P. XXXXXX. I don't know who the heck that is! So i finally called in today and got an automated message thing. It asked me if I was, or knew an Andrew P. XXXXXX, if not then all I had to do was press 2. Then, it said the account was updated and that I wouldn't get any more calls. Hopefully that's correct!

been getting calls since 3/25/2010 for an antwan mitchell,no one lives at # with the dam name and all they do is leave a messg on the machine, so how are you suppose to press two to say your not them,then you call and no body answers , a holes..........i"ve filed two complaints to do not call list . todays date 5/19/2010.

This company is also calling me once a day for a debt that doesn't exist. Your best response is to send a cease and desist letter. This company is a scam, and they rely on intimidation; don't waste your valuable time dealing with them. Just send a letter threatening legal action against them.

I had repeated calls on my cell phone from NAFS which was using up my minutes. I called Verizon and they blocked the incoming 800 number. Two days later, they starting calling using a second 800 number, which was not blocked. I called Verizon and had this number blocked. They are now calling from a third 800 number. They have called 14 times in 7 days, leaving a voice recording each time on voice mail. I used the number listed above: 1-866-529-1899 and called from my cell (they already have this number, so I wasn't about to use my home phone).
I just checked my credit beacon score which is above 780; I have no debt showing. I feel confident this is a scam, otherwise they should have more info on me than my sell number. If the calls do not stop, I will want to take legal action. I copied the "validation letter," but I am reluctant to send any additional information to these people, including my address, so suggestions?

While recording your call, and in this case you can tell them you are recording, tell them that it is not your debt and to stop calling. The FDCPA and maybe even the laws in your state are there to protect you from debt collectors communicating with you in a way that costs you money. Also, any further calls from them will be in violation of the Telephone Consumer Protection Act. Document all future calls and record the calls if legal in your state because debt collectors will always lie and never admit to saying something that will get them in trouble. Then contact a consumer lawyer to help you sue the debt collection company and the collector. Under the TCPA you can get $500 or more for every recorded/automated call to your cell after you tell them to stop calling.

i got a call from this company and the lady i spoke with was very polite and helpful i got a very good deal to pay off my debt ...... thanks jennefer

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NAFS keeps calling me on a old cell phone bill from Verizon.
They are saying that I owe over 350.00 more then the old bill because of interest on the account.....But other then the letter they sent they have not sent anything to back that up. I also think that being the account is from 2003 the SOL is way over with..

I paid a bill through their automated service for blockbuster because I had $10 in late fees (blockbuster said they didn't have late fees), anyways. Their automated system keeps calling trying to collect the same $10 they already took out of my account. I smell a lawsuit for harassment and attempting to collect a debt twice.:p we'll see who gets the last laugh.

I have been called repeatedly by NAFS automated calling system asking for someone I don't know. Every time I was told that my number would be removed from their system. I finally called and talked to a human. They told me I shouldn't receive any more calls. We'll see. This was for $12 in Blockbuster late fees. In Memphis, Blockbuster does still charge late fees. I was not a big Blockbuster fan before and now I detest them to no end.

Sincerely,

satisfied Netflix customer

File a complaint for every single call you get with the Do Not Call List and the Federal Trade Commission.

www.donotcall.gov
www.ftc.goc

If you decide to call them back then don't give them your name and make them tell you who they are calling for. Since they probably have the wrong number they wouldn't know your name.

They buy junk debt that is way past the statute of limitations. This would be an easy way to rip off honest people since most people don't keep records from years ago.

If they have your name and claim you owe debt do NOT give them any information over the phone such as bank account number, credit card number or social security number. Make them confirm any debt in writing.

Also during the conversation try mentioning the words "police report" or "contacting state attorney general" and see if they suddenly hang up".

Even I received a call today from a guy saying that he is calling from national action financial services threatening that I have to pay the bill or they will sue us. But I came to this country two weeks back and got phone connection. I guess this is something seriously need to reported to concern attorney who will take action against them.

I just received a call from this company on my answering machine. When I called back, I used the toll-free number on this page. The person who answered asked for my phone number, which I provided. He then asked if I knew a person who does not live at my address or use my phone number. When I informed him that they had the wrong phone number, he was rude, then put me on hold with no explanation.

After about 90 seconds, I hung up. I called back to the same toll-free number, and interestingly, I got the same individual. He was very rude and abrupt, accusing me of hanging up when he put me on hold to sneeze. He then began asking for my wife's name and birthday without providing me any information about why he was calling. The whole conversation was about him trying to obtain personal information from me. He refused to answer my questions about why he was calling.

I then confronted him with some of the information on this website, and I accused him of fraud, of phishing for personal information. He then asked if I believed everything I read on the internet. He then hung up, apparently no longer concerned about the debt he was trying to collect.

Stay away from these guys. They are not legit. Block their phone number if you can.

I keep getting calls from this company on my cell phone, which is not even registered in my name. (part of a family plan). It is just a recording, stating it is NAFS, no option to speak to a person, no account number given... just stating that I have to call this number. Have never gotten anything in the mail from this company either saying that I owe money. For the life of me, I cannot figure out what it would be for. I do not have any store accounts, I do not have any credit cards or anything of that nature. The only debt I have incurred was for a car in 2001, and that was paid in full.

I received a few calls from this collection agency, each time with a very sketchy voice mail. After finally getting in touch with somebody, many calls later and a few arguments, the debt had been paid off years ago....so it was sttled. (and yes these people are scum debt collectors.) But that is not my point......

I keep reading advice on various posts and webistes about the FTC do not call list, etc. The Do Not Call list does not apply to bill collectors. Read the FTC's rules about the list. It ONLY applies to telemarketers. It does not even apply to survey takers.

The only way to stop collection calls is to send a "shut up request" or ("cease and desist letter".) This has to be sent to the collection company directly and it will not stop adverse action on your credit report.....just the phone calls. They can still sue you, get garnishments on your income, etc.....it only stops phone calls.

Go to the FTC website and look into the Fair credit and collections act.

This "Company" uses these numbers:
1-615-724-7999
1-800-279-8511
1-866-726-6669
1-866-656-7159
1-800-304-8519
Do Not Send Any Money or Give Them Any Personal Info, they are scamers.

send all collectores a "cease and desist" letter...look it up on the web...send it certified so they have to sign for it...once they receive it the may only contact you be mail...so no more phone calls...if you receive any correspondence by mail always ask for proof of the original debt, proof that the company can actually collect or operate in your state...if they take you to court get a lawyer and fight it...very often these collection agencies cannot legally prove in a court of law that you actually owe the debt they are attempting to collect...good luck!

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Have been receiving calls from them for months - always early morning - and it is a recording. No way to pick up and respond. The call is about a blockbuster past due bill in my daughter's name which does not exist. There was no way to get in touch w/ anyone to even discuss or verify the charge. The contact info just says to log in a credit card to pay the debt (apprx. $36) which I was NOT going to do because then someone has your credit card info. I finally just clicked on the option that says she is no longer at this residence. We will see if that stops it.

i just called the company and told them to stop the calls , the gentleman I spoke to told me the persons name they was trying to reach , and I told them no me , I just got the new number a mth ago , so they removed my number was very nice and helpful! finally !!!!

I have an interesting situation with National Action Financial as well. They are harrasing me over a blockbuster movie I decided to keep. Which has been store policy in the past: If you want to keep the movie, no problem we will charge your account for it. Apparently Blockbuster never charged my account the $29.95. I called Blockbuster and they told me the collection letter was "Just a friendly reminder" to which I told Blockbuster employee that it was not a friendly reminder but a threat. She assured me it was taken care of but today I get a threatening phone call from National Action Financial. This time I email Blockbuster corporate and told them exactly what was going on. Today I am marching down to my local Blockbuster and making their stupid employee physically charge my account in my presence then I will probably never rent from them again. I have been a loyal customer for many years and this is just plain BS. They had no right to take any action what so ever when all they had to do was charge me for the movie; as per our long standing agreement. I heard Blockbuster was in serious financial trouble, now I can clearly see why. Hell no I am not paying National Action Financial they can go to hell.

One more thing. When NAF contacted my answering machine they left ALL of the information regarding my Blockbuster account on my machine without verifying my identity since my answering machine cannot "dial". Secondly when you call the number they already have your information without you inputting your reference number. Thirdly; NAF does not allow you to speak with anyone at all threw their call back number instead they do have to option for payment; Credit card or bank account. Wow nice way to obtain my credit or banking info threw a single phone call. Pay your creditor directly. I was blown away when I called to try to resolve this. No fricken way would I even consider for a moment giving this company my information. $29.95 and the movie sucked lol.

Went to Blockbuster to pay this found out they didn't have my cc info correctly in their system. Although their system also said that they billed me the $29.95, the associate had to call over the manager to figure out that they had the wrong info in their system. A card btw that had expired 6 months ago and the new card was not showing...of course it wasn't. "We" updated it. I asked if this is now taken care of and the manager said "Oh would you like to then pay this now?" Come on really?, seriously?, of course I said yes but not before wondering how someone so ignorant made manager. I should of said "Of course not I would love for your collection agency to continue to harass me more so I would love it more if someone acturally showed up on my door step Christmas morning demanding your $29.95 dumbass". I tried to give back the movie and they wouldn't take it lol. I said "Well I guess I can try and sell it on ebay then" Lesson learned, don't rent from blockbuster unless I am sure I am going to return the movie promptly. Do not rely on blockbusters word, do not assume that they will follow their own policy, and check into Netflix now.

They call me daily and when I call back they say my number is not on file nor is my name in thier data base. This has been going on for 6 weeks. They say they will stop the calls, but they don't. Any ideas? I don't owe any debts.

just wanted to let you how "professional and educated" sound. This company is trying to collect a debt from a minor child whom has never even had a line of credit, good or bad. Seriously you guys are "bottom Feeders" how sad

They;ve been calling me also.. They said i owe some kind of debt at Blockbuster but i talked to blockbuster about it and they said i have no fines to pay or anything.. Major bottom feeders for sure.. i'm not afraid of the law or anything but if i end up having a collecter come to my place and he harasses me on my property, i'll show him whats that person what happens when you harass with a martial artist! Bottom Feeders.. pfft

Well, sonny boy.....

The next time your goons call my phone, they're gonna get a boat-horn in their ears..... Ever hear how loud those things are? What's the chances of your buddies going deaf with THAT?

I have been getting voicemails on my phone for a couple of weeks now, but the problem was that I did not know who was calling. An automated message was being left that was cut off from the beginning. It never said a company name, and I only got the last 3 digits of the phone number- 519. The part of the message that I could hear stated that it was a Mr. Lynch was has been trying to contact me, and I have been unresponsive. For once, I was not at work when they called yesterday, and I was able to pick up and listen to the whole message- not an actual person on the other line! It was NAFS. I called back today and asked what it was in regards to. A few years ago I had a serious situation which left me hospitalized and homeless for a long time. I have been trying to repair my credit for a long time now, so I assumed that this was just a legitimate call to collect another debt. Right away the person asked the number that was being dialed. I told him my number, and he said is this your social and read off my FULL SOCIAL SECURITY NUMBER!!!!! Are you kidding me? Many people will nto give socials over the phone and this company is just blurting them out without even confirming who is on the line! When I asked what debt it was for- they told me a Verizon Wireless debt from 2004. Strange.........I am looking at a copy of the cashed check (which I always save) that I paid Verizon Wireless directly for back in January of 2006.Last year I got a letter from a different collection agency called Pinnacle, which I found out now they are affiliated, trying to collect on the same debt, which I disputed and sent them my proof from Verizon that it was Paid in Full. The company apologized, sent a letter confirming that the debt is paid in full, and never contacted me again. Verizon has been my cell phone carrier since I paid off this debt in 2006. I explained this to the NAFS rep, and all he replied is "what are your intentions to settle this debt?" I told him it was invalid, and that my intentions were to dispute it with the letter I have from verizon and the letter I have from Pinncle showing the debt as paid. He quickly hung up on me.......

I had a debt I knew about, but they never called me on it as they bought it 2 years ago. I got a credit report trying to fix my credit (finally got a job) and they actually went out of their way to get me a confirmation letter acknowledging that I paid the debt in full and that the account was closed. They called me back in 48 hours and faxed the letter to me. Now the manager who was helping the guy I was working with (the associate named William) was a real winner! In a bad way, feel the biting sarcasm??? However, william made it all happen with another night manager.

Sorry folks, it WAS MY debt, and I couldn't run any longer. I am sure none of you can relate as it seems everyone owes nothing, and that's cool. Unfortunately, that's not me, but I fixed my credit and I am good to go now. At least until I have eyes bigger than balance issues.
We are all only human, the crap-ola sandwich got served up and most took a bite, there isn't any shame in that, but take responsibility when you can and quit ducking out, stand up and freaking pay the bill. Credit used to mean nothing in the early days, but now the dollar sucks so bad, it's a needed evil.
Sorry if I don't tote the party line, but no one should pay my bills but me.

I would have to say that my experience with them was fine. The debt that they were trying to collect was mine, I have had several and am trying to get everything cleaned up as 2 years ago I had my wages garnished from another credit company with the new rules that are in place for them. NAFS called about this debt and I was not able to pay the settlement offer. I talked to the gentleman on the phone and he asked what I could do to help and he worked up a payment system, kind of a sign of good faith on my part to see where that would put me an we could reevaluate in 6 months. Year later I was able to work a deal, however the company they were working on behalf move my account to another creditor who so far doesn't seem as easy to deal with as them.
Bottom line to the story here is 95% of the people who are posting that they are being harassed are misinformed and need to keep tabs on their credit a little closer because they are probably a victim of ID theft and they don't even realize it.

your entire post is an insult.not only to this topic,but everything in general.especially your last stupid point.if the person is an ID THEFT victim anddon't realize it?so they should do what?pay a complete piece of collection crap,or report it and deal with it that way.again you made no sense,and everyone's dumber for having read it.back to the phones drone.

No one's relatives are liable for your debts under any circumstances. Scammers will try to tell you that you are in order to get money from you, it is absolutely not true. My brother died unexpectedly and our lawyer instructed us that we did not have to pay any outstanding bills, that the companies have insurance provisions for when customers die, and to keep the money for his kids. Any company that tells you otherwise is lying, and you can check that with your family lawyer, or if you don't have one, Legal Aid.

They called my cell phone SIX TIMES TODAY! It rang a couple of times then they hung up. It happened almost every hour on the hour. MONTHS ago I was able to actually talk to a person and tell them I am not the person they are looking for, nor do I know her. They assured me my phone number would be removed from the list. They didn't mention for how long though. Very irritated!