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

National Action Financial Services, Inc. is a New York based collection agency which joined Sitel, a global business process outsourcing company. It has been reported as using illegal collection practices and was sued and fined by the New York State Attorney General in 2007 (""). A large number of complaints have been filed against National Action Financial Services with the Better Business Bureau (BBB) and has received an "F" rating from the BBB (""). If you want to know about how to deal with National Action Financial Services effectively, have a look at the topic given below:

What are consumers saying about National Action Financial Services?

Several consumers have shared their views on the company in our forums. Here's what they've said about National Action Financial Services, Inc

  • Rude behavior: A consumer reports that he received a letter from National Action Financial. The letter was followed by a phone call from the same company. The company refused to validate the debt and threatened to sue the consumer unless he would arrange for payments within the next 24 hours even though the consumer had just received the letter and needed some time to arrange for the payments. The consumer wanted to dispute the account; but the collection agency said he didn't have the right to do so.

    The company representative spoke rudely to the consumer and even called his spouse a liar. The consumer worked for a collection agency and he was quite surprised at this rude behavior. According to him, the National Action Financial representative was violating the Fair Debt Collections Practices Act (FDCPA) and being very unprofessional. Learn more...
  • Harassment for old debt: National Action Financial Services is said to have harassed debtors for payments on old credit card accounts that do not appear on their credit reports. National Action Financial representatives have also called consumers about payments on accounts which have been discharged in bankruptcy. Learn more...
  • No suitable response to consumer calls: A consumer repeatedly told the company over 7 months to send him a written statement of the outstanding bill, which the company refused to do. The consumer then got on a conference call with creditor, JP Morgan Chase bank, and National Action Financial Services still refused to send a written statement. When the consumer called National Action Financial back, he got no response from the company's representative. Learn more...
  • Suspected scam: A resident of North Carolina received a call from National Action Financial Services stating that he owed money to Blockbuster in Lorain, Ohio. The consumer had never been to Ohio, and had no account with Blockbuster. Suspecting a scam, the consumer didn't make any payments to National Action Financial Services. Find out more...
  • Harassing calls: According to some consumers, whenever they receive a phone call from National Action Services, they get a message saying, "Dial 1 to speak to a representative". But when they do, the consumers do not get any response from a customer service representative. Consumers have also complained that the company representatives simply call wrong numbers and hang up without even stating the purpose of the call. Learn more...
  • Harassment for debts exceeding SOL: Consumers report that the company has often harassed them for payment on accounts where the Statute of Limitations (SOL) has expired. In most cases, the company has refused to admit the SOL has expired, and threatened to file a lawsuit against the consumer. Find out more...

Most consumers seem to have a bad experience with National Action Financial Services. If you receive a call from the company for an outstanding bill, make sure they validate the debt first. Send them a debt validation letter at the following address.

National Action Services, Inc.
165 Lawrence Bell Drive Suite 100
Williamsville, NY 14221-7817

If you'd like to contact the collection agency over the phone or fax, use the details given below.

Phone: (716) 565-1020, (716) 650-6240, 1-866-529-1899
Fax: (716) 565-1035

Posts: 6
Credits: 1654.45

Ok, National Action Financial Services have made the first initial call today around 8:30 this morning. I have no idea who they're calling about (me or my wife) since the phones in her name. I refuse to talk to this guys from National Action Financial Services at all. I've chased off allied interstate, Merchants and now these goons. I do not have an account number for an alleged debt that they say one of owes. I need to send a C&D letter but no account number. Can I just send this with out the account and use the phone # they called us at. I've seen numerous posts and these are the lowest scumbags. The automated message just said that "You must call 866-529-1899 as it is VERY important to someone named "Gotto or Gotty" Da ha funny. Can someone please advise. Thank you.


Sub: #1
Wed, 12/12/2012 - 19:36

I've recently started a web site, the info you offer on this web site has helped me greatly. Thank you for all of your time & work. "It is a great thing to know our vices." by Cicero.

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Sub: #2 800-304-8519
Thu, 10/04/2012 - 13:46

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!


Sub: #3 Relatives not liable
Fri, 09/28/2012 - 10:20

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.


Posts: 15525
Credits: 135803.21104969

Sub: #4 dumbass
Tue, 05/29/2012 - 14:57

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.

giving hope to the hopeless,help to the helpless,and hap to the hapless.


Sub: #5 I would have to say that my experience with them was fine. The
Tue, 05/29/2012 - 14:26

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.


Sub: #6 I didnt have a problem
Tue, 06/28/2011 - 18:06

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.


Sub: #7 I have been getting voicemails on my phone for a couple of weeks
Sat, 03/19/2011 - 06:56

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.......


Sub: #8 Well, sonny boy..... The next time your goons call my phone, t
Thu, 03/17/2011 - 17:34

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?


Sub: #9 They;ve been calling me also.. They said i owe some kind of debt
Thu, 02/17/2011 - 07:19

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


Sub: #10 wow
Tue, 12/21/2010 - 16:03

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

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