National Action Financial Services, Inc This company has no ethics and employee's people with no conscience or pride how can these people get away with this? Vero Beach Florida
Several months ago I got a new phone number. Ever since I have been getting collection calls in reference to person who had the number before me. After getting so many they are almost becoming habit. Well last night I got a call from NAFS looking for this person. I went into my ususal speel about how this person no longer had this number etc. and much to my surprise this person asked my why I was lying to him.
After recovering from shock, I went into battle with this man. He went on to ask me why I was hiding this person out. Why didn't I just give her up. I can't tell you how many times I told this man that I didn't know who this person was only her name because of the many call I get from collection companys looking for her. I even suggested that he call the phone company and ask them who this phone number belonged to now. Well he didn't even slow down.
I got so angry that I decided that it was time to speak to someone in charge so I asked him for his name. He told me that he would only give his name after I gave up the new phone number for the person he was calling about. So I asked him what company he worked for. Same answer, I will tell you when you give me this persons new number. Finally, I asked to speak to a manger and got the same answer, I will let you talk to my manager when you give up the new number.
Well as you can guess I then told him exactly what I thought of him and hung up. Not having caller ID I *69 the phone and got the number that he was calling from. I called the number back and they claimed that they didn't have a man who worked there. The department manager was not very cooperative and ended up hanging up on me also.
Today, I called back to talk to the company manager and was told that there wasn't any company manager available to me. They didn't have a record for the person or the phone number I was calling about.
I finally decided to change my phone number to hopefully stop call like these from happening in the future. If one my children would have answered this phone call last night, I believe that I would be making a trip to Norcross, GA today.
I just don't understand how companies can get away with stuff like this. It's a shame, we have men and women overseas fighting and dying for our freedeom from foreign terrorists and we have no recourse to fight the terrorists who live and work in our own backyard and our government lets them get away with it.
So beware of this company they are full of nothing but lies.
Theda
Vero Beach, Florida
U.S.A.
2 Updates & Rebuttals
Bob
TONAWANDA,New York,
U.S.A.
Tracey
#3UPDATE Employee
Sun, November 12, 2006
I just needed to correct you tracey,
you made the statement
"(this does not make an inquiry mark- in case anyone reading wonders if this could hurt their credit if they are not the actual debtor an agency is looking for)."
About a collection company pulling a credit report.If a collection agency pulls a credit report it does leave a mark and it does hurt your credit.The credit reporting agencies even have praticular industry codes designated for collection agencies.
Also as far as the originator of the report.If we access an account on our system it leaves a "footprint" so we can identify who accesses an account.It will ist that employee's number right on thwe account,there is no way around this and the footprint is permanent.If they couldnt pull up the account when you called back in that means that the number was removed off the account
Tracy
Kenmore,New York,
U.S.A.
You are due compensation
#3Consumer Suggestion
Fri, November 03, 2006
I work for a collection agency, but in the capacity of a skip tracer for reposession. The FDCPA does not specifically apply to me, but I am required to know it and pass tests on it.
Earlier today, a call was transferred to me by accident, it was a collection account, not a reposession account. The man on the phone stated he had received several voicemails from our company, in regard to a debt and also explained that several companies have confused him with another person in this regard.
I could see right away that the name was similar, but not the same. I couild see that we had gotten this particular phone number, by pulling the actual debtor's credit report (this does not make an inquiry mark- in case anyone reading wonders if this could hurt their credit if they are not the actual debtor an agency is looking for).
Phone numbers on credit reports can be several years old. We know this, but have to take a shot.
We will leave messages until we get a real person on the phone who states that they are not who we are looking for.
I immediately removed the number from the file and left a message for the collector working on this file not to call this number.
There is a small chance the person is lying, but we are not lie detectors. Once a person says they are not that person- we remove the number. In rare cases, it can be proven through skip tracing that the person owns the property and phone number we are calling, but that is rare.
It may take a few days for system automated calls to stop calling that number, but no more than that. No actual live collectors will call after the notation.
If they continue to call you after 5 days, you are due up to $5,000 for each instance. Contact the FTC or your Attorney General.
Keep a good log of the phone calls and times. You can also send a certified letter, but you are not required, by law, to go out of your way to do that, it can help you in litigation, though.
Another route, if you don;t want to sue, is to call the company in the middle day and ask for their Compliance Officer/administrator. All debt collection companies have one or an entire department. They are the watchdogs, watchdogs against their company getting sued.
Hope I helped:)