Complaint Review: NATIONAL ACTION FINANCIAL SERVICES

THEY REPEATEDLY CALLED ME WANTING PAYMENT. THEY WERE SO NICE AT FIRST AND OFFERED ME A 45% SETTLEMENT ON MY PROVIDIAN CARD.(I HAD EXPLAINED MY HUSBAND HAD BEEN HURT IN AN ACCIDENT AND THAT WE HAD ONLY HAD ONE INCOME AT THE TIME.) THEY SAID IF I WOULD PAY 200.00 A MONTH FOR 4 MTHS IT WOULD BE SETTLED AND REPORTED ON MY CREDIT REPORT. I ASKED FOR IT IN WRITING. THEY SENT ME A PROPOSAL LETTER AGREEING TO 45% -800.00.

WHEN I GOT IT PAID I CALLED THEM ABOUT MY CREDIT REPORT. THEY SAID THE CUST. REP SHOULD HAVE NEVER AGREED TO 45% AND THAT I NEEDED TO SEND THEM ANOTHER 191.00 TO MAKE IT A 50% SETTLEMENT. I REFUSED. NOW PROVIDIAN HAS TURNED IT OVER TO ANOTHER COLLECTION AGENCY FOR THE ORIGINAL AMT MINUS 800.00.THE NEW COLLECTION COMPANY SAYS I HAVE TO PROVE ALL THIS. NAFS REFUSES TO SEND ME A PAID/SETTLEMENT LETTER THEY SAY THE AMOUNT THEY SENT ME WASN'T RIGHT. THEY HAVE PURPOSELY STOLEN 800.00 FROM ME.

Peggy
OSAGE, Oklahoma
U.S.A.