There is little I could add here to the learned remarks of "Annoyed" from April 2009. A few states have some form of "repose" law, which renders a debt legally nonexistent once it passes SoL. North Carolina passed an Act in September 2009 which calls past-SoL collection or litigation "unfair". This sort of provision frankly needs to be echoed nationwide, since by the time a debt account has changed a few hands its chain of title is usually too distorted to have standing anyway.

Make the FDCPA your new pal and learn how to exercise your rights as an alleged debtor at FTC-dot gov.
 Dec 27th, 2010
Let's not start piling on the pranks and empty messages ...
 Dec 27th, 2010
This is actually an HIV positive gay dating service. They worship semen and feces. While they are shockingly unintelligent, their love of the AIDS virus is pure
 May 17th, 2010
This is a gay dating service. It is owned and operated by HIV positibve homosexual men. They promote unprotected anal sexual intercourse among men.
 Mar 12th, 2010
They and their loved ones will suffer for their behavior. I personally dealt with them and set up a trap, If they try to scam my bank account...they will meet me personally. They will be blessed 100 times over for their choices and it won't be pretty, but they will KNOW who they should not have wronged and who is punishing them. I won't break any laws, and my hands will be clean. They will recognize their blessing by midnight tonight if they wrong anyone.
This is for NAFS and anyone like them.
 Feb 10th, 2010
This is a collection agency that will keep calling and leaving voicemails about an urgent matter. I called back and unforunately now they won't stop calling. Don't answer this calls as they are rude and they hang up on you before you finish talking. I would look at for help. Also, these collectors call on past debt that they no longer can collect, if in Texas, since the statue of limitations is more than 4 yrs.
 Jan 11th, 2010
National Action Financial Services Inc.

They have been sued successfully - Key developments for National Action Financial Services, Inc.
National Action Financial Services Agrees to Pay $85,000 to Settle Charges of Using Outlaw Pressure Tactics

National Action Financial Services Inc. has agreed to pay $85,000 to settle charges of using outlaw pressure tactics. The company was the subject of 90 complaints within the last three years, about one third of them from within the state. The agreement, in addition to the $85,000 in fines and costs, requires NAFS to reform its collection practices in line with state and federal laws.

They have a bad reputation.

Call them and tell them leave a message letting them know that if they do not stop the calls, you will contact the FCC to file formal charges.
 Jun 23rd, 2009
"Solution" and "me" are uninformed. The WORST thing you can do is call them. Collectors are not out to protect your rights. They are there to collect money from anyone who will hand it over out of fear...including people who don't owe, relatives, people with the same last name...they don't care who it is if they can scare them into sending money! Anything that is said over the phone is not enforceable - they can outright lie and there is nothing you can do. Visit the boards mentioned to learn how to contact them in writing to verify the debt and amount before you decide how to handle it.

By definition "junk debt" is debt that is purchased from companies who have charged off the debt and/or given up on collecting it. Often it has passed the time limit to successfully win a lawsuit and has already fallen off the person's credit report (7 years from date of last delinquency). For the record, you CAN get sued over a debt no matter how many years have passed. There are many uninformed individuals who end up with default judgments against them (which stay on your credit report for a minimum of 10 years) because they are sued over debt and do not show up in court - out of fear, because they weren't properly served, or because they mistakenly think they automatically don't owe it because the statute of limitations has passed in their state. Your defense is the statute of limitations, but you MUST show up and offer that defense to win the case.

Statute of limitations vary by state. While the negative information may fall off of your credit report after 7 years, the statute of limitations is anywhere from 3 to 8 years depending on the state you live in, the state you lived in when the debt went delinquent, or the state you lived when the account was opened. Most states consider credit card debt an "open ended account". But in some states a collector can file suit claiming it falls under written contract law, which can be as long as 15 years in some states. There are many junk debt buyers (collection agencies) who illegally "re-age" accounts on your credit report to keep it there indefinitely and falsely stretch the numbers of years they have to sue and to keep the negative information on your report and harming your FICO score.

Be informed. Do not let phone calls intimidate you. Let the machine get it, wait for the follow up letter, put everything in writing, keep accurate records, and contact your states attorney general for assistance. Do your research and know your rights.
 Apr 08th, 2009
The best way to deal with them is to call them and try to work out your problem. If they won't work with you two options - 1 hang up (which does nothing for you) 2 contact either compliance department or the orginal creditor you owe money to. But remember trying to work out your bills are stressful situations. Also to correct this comment "Junk debt buyers who buy debt that is past the statute" 1st the only junk debt is fraud accounts, and 2 past the statute only means you can not get sued over the bill, However you are still responsable for paying the bill.
 Mar 26th, 2009
maybe if you would contact them to find why they are calling, then correct the situation when you are fist called it can fix the problem quickly. Seeing that it is a collection company calling you maybe you should pay the bill you owe so the economy can start to fix, it doesnt fix itself you know
 Mar 26th, 2009
Junk debt buyers who buy debt that is past the statute of limitations for pennies on the dollar. Don't answer - wait for the letter they must send after initial contact is attempted. It will state what company the original debt was from and whether it was bought or assigned. Learn how to deal with these bozos (and other collectors) on sites with message boards such as myfico and bankrate. You don't need to pay someone to do it - you can handle it yourself with a little effort.
 Feb 21st, 2009
 Feb 08th, 2009
Woman calls and said a collection from GMAC was place with them today. Gmac closed that account 4 years ago. I contacted my lawyer and was told not to pay.The statue of limitations had already passed. I am sure this account was actually refereed by another collection agency in Fl. Gmac has nothing to do with it.
 Nov 11th, 2008
The called me three times in a row this morning. When I called back, I got directed all over the company, until a guy named Gary kept asking me for my name and mailing address. Yeah right.

I don't owe any money to anyone, so I told him I would wait until they called again then talk to them. He hung up on me.
 Nov 10th, 2008
Left message stating:
 Oct 30th, 2008
Called today left message that stated:
well, if that's the case, why did the number show up "unavailable".
 Oct 30th, 2008
Some one from National Action Financial Services called me for my paid debt. When I said that I had paid off my debt. They still keep on telling to pay my debt. They are so rude. See others are annoyed with this company
 Oct 23rd, 2008
Left message saying they were a collection agency and asked for my name to call back. I'm not in debt. They left the number 1-800-219-6304 for me to call back.
Mike D.
 Oct 22nd, 2008
they have another number, 800-219-6227
I thought something was funny when I get calls 11:59/12:25/12:52
It seems they try to at least call 3 times with in a hour.
next time you get calls from these numbers check out the times they come out.So far 3 a day including weekends. As advised from others don't answer these guys, it not worth the aggravation, how ever keep tracking there phone (cons) law suits are coming :)
 Oct 08th, 2008
called left message to call back. said they put file on his desk with a time line on it. its either a scam or collection agency. lled at 8 am
big dude
 Sep 04th, 2008
Prerecorded Message "This is not a sales call." Later a hangup.
 Aug 22nd, 2008
Very rude. Calls again and again. Called to inform that there was no one by that name here and they called and yelled at me. Over and over.
Judith Warren
 Aug 20th, 2008
Calls constantly. Threatens. Will not stop calling home, cell, and work. Had slacked on Wells Fargo payments. Several different people call. I called and made payment arrangements with Wells Fargo and am still getting these calls. I get them across the scale from sounding like my best friend to saying they are going to sue me and have the sherrif come and get me. Lovely. So, does this mean that when Wells Fargo is paid off I will still get these calls?

And yes, he says his company name is National Financial Action Service, but then he gave me another name.
 Jul 28th, 2008
A man called "Mr. Ward" was calling on behalf of Chase Bank. He also called my sister & her family as well as several of my friends regarding ME & MY account!!!! Apparently they do the call tracing thing to see who you call the most. They even got a friend that just got a new phone number a few weeks ago who I call all the time! That should be illegal...
 Jul 24th, 2008
Says they are National Action Financial Services. Real bad reputation.
 May 22nd, 2008
I get calls everyday from Academy service asking for a different person, do I have legal rights?
 May 10th, 2008
Even if this is a collection agency, if you tell them never to call you again (even if you are the person they are looking for)they by law can NEVER call again. This is a law in ALL Fifty States. I was told My number would be removed within 24 hrs. I explained the State Att. Gen. would love to hear that because the law states if requested no calls the time begins when you hang up. By the way they were asking for no one who lives in my household. You don't need to be bullied, just use your State connections.
 May 01st, 2008
"Miss McReary" left a message saying I have a "violation" against me. Hahahahaha!!!!
 Apr 30th, 2008
A man claiming to be Aaron Casio called and left a message on my voicemail for someone that doesn't exist at my number.

On my outgoing voicemail message I clearly state that this person is not at my number due to the large number of calls I get for that person.

I called them back within 40 minutes of receiving the message and asked for Aaron Casio and I am told that he is out of the office (how convenient for them, this leads me to believe Aaron Casio is a fake name.) I told them that if I get anymore phone calls from them that they will hear from my attorney. The lady claimed that she would remove my number.

My attorney has already gone after seven collection agencies that have been bothering me for debts that aren't mine. I'll tell you one thing, those other collection agencies shut up really quick after hearing from my attorney. NAFS just may be his eighth agency to deal with.

NAFS has been told on more than one occasion not to call my number any more. I will file a lawsuit if this persists.
 Apr 17th, 2008
I didn't know who was calling from this number so I didn't answer and no one left a message.
Monica Bishope
 Apr 10th, 2008
This is a collection agency by the name of National Action Financial Services (Agent Wendy) they have a bad BBB File and that can be found with other answer about the company at
Here is also a list of other numbers they call from:
(800) 982-0484
716-565-1035 (FAX)
Here is there Business contact and profile:
National Action Financial Services, Inc.
Phone: 716-565-1020
Address: 165 Lawrence Bell Drive, Suite 100, Williamsville, NY 14221

Business Category: Collection Agencies
BBB file opened: November 15, 1995
Business started: March 1994
Business started locally: August 1995
Primary Contact: Mr. Paul F Labaki (Compliance Officer)
Complaint Contact: Mr. Paul F Labaki (Compliance Officer)
Other Contacts: Mr Roger Carney (President)
Courtney Crane
Mr. Michael Fletcher (CEO)
H. Gibbs (CFO)
Ms Joanne Hoover (Director of Hum. Res.)
Mr. James P. Rich, Jr. (Vice President)

Customer complaints history with the Better Business Bureaus (BBB)
Number of complaints processed by the BBB
in the last 36 months: 370
in the last 12 months: 164
I hope this helps a lot of you? The web link to the BBB above helped me understand how they work & what you can do.
Eddie Jaeggi
 Mar 21st, 2008
Please do not call,we do not know a Cindi.
 Mar 18th, 2008
The key to collection calls is to NEVER ANSWER THE PHONE. Get Caller ID and if you DONT recogonize the number then dont answer.

Dont argue with them, dont "give them a peice of your mind", Dont "have fun" with them. dont even answer it. Just IGNOR the call. This is the ONLY WAY they will give up.

If they get ANYONE on the phone, they will keep calling.

YOu see, these collection people WANT you to answer, this CONFIRMS your Phone Number. Once they know they can reach you, then they have a HIT on a phone number and a way to irritate you. SO they will keep calling over and over.

If you Agrue with them, Well, then you have give them EXACTLY what they want. Once you start talking to them, they know they have you.

If they NEVER get a hit, meaning that no one ever answers the phone, then they soon (within a few months) realize it's a waste of time to keep calling.
The Knowledge
 Mar 14th, 2008
Calls daily for the past few days, no message. Advice from here, go to the National No Call site, file a complaint. You must be on the no call list for 31 days to do so, but file a complaint every time the number shows up. Didn't know who it was until I did the phone number search and found these complaints. File a complaint with the Federal Trade Commission as well, if they are a debt collector attempting to collect a debt you don't owe, file a complaint. Am looking for other sites to file complaints on as well.
 Mar 13th, 2008
Hard rain is coming, Gary!
 Mar 12th, 2008
Called several times in a row. I told them politely they had the wrong number each time. This lady screamed "Liar!, Liar!, Liar!, Liar!" at me. Very unprofessional.
unlisted number
 Mar 06th, 2008
 Mar 05th, 2008
Well I am happy to say that for the past year I have been DEBT FREE!! Meaning I told all the Credit Cards to go to Hell and never paid them another dime of the $10,000 I owed at 30% Interest!! I now live all cash and I LOVE IT!! FREEDOM!!

Anyway, this is yet another collection agent that is trying to call me, I just IGNORE the call. NEVER EVER ANSWER THE PHONE WHEN COLLECTION PEOPLE CALL. If you talk to them, they keep calling. After about 8 months, they start selling the debt and eventually they just give up. If you EVER talk to them or even answer the phone, they keep calling.

I LOVE Living without Credit!! Cash Only for me for the rest of my life!!
Debt Free
 Mar 05th, 2008
There is a way to stop these calls and it is for everyone whether you truly owe the debt or you are just an innocent person getting harrassed for no reason!!!

Go to and read about the Fair Debt Collection Practices Act and how you can stop these harrasing calls!!!! Knowledge is power and when you know your rights, it makes it alot easier to deal with these collectors!!
Been There
 Feb 27th, 2008
Yes this (Company) is ran by a bunch of Stupid Yankees, no harm meant to the folks of NY. After about ten calls they finally tld me they were a collection agency. They have no ideal why i am eing called? Told them i was going to contact attorney generals office, peed them off so bad they threatehed to hand up on me. I never heard of a collection agency hanging up on a supposed bad debtor? What a joke. Good luck all.
 Feb 27th, 2008
they keep asking for one here is named lisa and no one here owes any money to anyone. I told them to never call again and they called twice yesterday. I wish there was a way to deal with people like this.
 Feb 26th, 2008
I called the 1800 number back. A man named Gary Marshall left the message. A woman answered the phone and demanded phone number and area code. I asked who it was and what it was about. She demanded my information again, and I told her I would not give her any information until I knew who I was dealing with, she then put me on hold. I hung up. By reading the rest of this page, I know now I will not respond to their shady tactics.
 Feb 15th, 2008
some lady named Vanessa called for my mother-in-law. who does not even live with us. said she had our phone # as a emergency contact. She had my mother-in-laws # but still tried to tell me that she was told she could be reached here. I told her that she lived 20 mins away. When I asked her what this was in reference too all she would say in a hateful tone was that: she had some disturbing documents come across her desk and that she needed to speak with her ASAP! I told her that when I saw her I would give message. But knowing my mother-in-law I think that they are trying to scam her she is elderly and on a fixed income.
 Feb 11th, 2008
Like the rest of you, I get a few calls from these people. They say I owe $900. No I don't. They insist. They were rude. BIG MISTAKE. I Googled their 800 number and got the address in NY like some here. Then I found the Budd Hibbs site and got their 800 numbers. I just finished filling up their answering machines with the news and some talk about how interesting my penis is.

I also found an SEC filing from when the National Action Financial partnered with Sitel Corp. Turns out that Michael Fletcher has a phone number of 770-936-8998, with an office in Georgia. I think I will call my new friend tomorrow and everyday this year and next. How about the rest of you out there. I suggest we fill all their machine time up and then call their chief operating officers at their true numbers as shwon on the SEC filing. (Its form 8-K for the Sitel Corp. in case you want to find it for yourself. Good luck all.
Jersey Guy
 Feb 05th, 2008
called twice in a matter of 10 minutes with no message left
 Jan 26th, 2008
If you get a call from this # put a trace on it after pick up
hang up and dial your trace # available thru phone service

Communicate with your phone service company which will initiate
internal proceeding ,then prepare for a Civil Lawsuit against
The Business License Holder or Holder's a class action suit
could be effective as well.
Research who the actual " Business License Holder" is and start
filing complaints to the license issuing agency with the objective
of a license revocation.
 Jan 25th, 2008
I know one of them , she has 3 children and in
the age of 37 never held a taxable job.
She's living of Childsupport payments and smoking crack

she make bills knowingly she want pay , she has so much
debt it would be a nuff to keep her sponsor busy for
two life times to process her own stuff.

(Just ignore these "Trash Calls ")
Adrianne N
 Jan 18th, 2008
Their sometimes call themself Government Employee's
meaning walking to the mailbox picking up their Tanf
and Foodstamps and other characteristics are moving
from place to place leaving bills behind.
 Jan 18th, 2008
If their dont even know your name believe
me ,their is no claim.
However you got a Harrassment Claim.

Their Employees are trained by shady character's
with little or " No Education " , if their would
pay all their unpaid bills their got floating
around their would have no time to call anybody
 Jan 18th, 2008
Genuine and Legit legal claims are handled by
trained legal experts ( Attorneys )in a proper
Juris setting ( Court of Law ).

Those Guys who calling your House are Street
Scavenger's and most likely Drug Edicted without
any regards for ethical codes ,which are beyond
their educational level of comprehension.
 Jan 18th, 2008
Automated Message threathtening ,been calling daily
asking for a person with a " Spanish Name " for at
least 1 year.
(Our Ethnicity is of African American ,Cherokee,
White with some German Flavor which covers our
entire " Houshold ")

Their is none and never has been a " Spaniel " in
this Household.

I consider legal actions against this company incl.
but not limited " Business Licensure Revocation "
Civil Law Suit face amount no less than 1 Million
Dollar's against this Business Venture.
Edward Harris
 Jan 18th, 2008
Receiving messages from Gary Marshall telling me to call him back. I wish they'd cut the crap.
 Jan 16th, 2008
These assholes are clever with that "legal representation" verbiage to try to scare the crap out of you. I hope their get sued for everything them and their next four generations own.
Stay away from them, once you answer the phone they never cease because you have just validated your number with them. All they want tis a call back and you are theirs forever or at lease until they get fried some kinda way. Send a cease and desist letter so that they have to sign for it when they receive it. when you get your receipt back from the post office staple it to the copy of the letter you sent them and go from there.
 Jan 05th, 2008
This number called my work, looking for a former employee. When told that the person did not work for us anymore, the caller started asking personal questions about that person. I informed the caller that I knew nothing about their whereabouts or anything as the compnay had changed states. The caller stated " Sh*t, I have some major business I was working on with him, can't you give me any information about where he is?" I told her that I had heard he left the country for health reasons. Then I hung up[.
The caller was very pushy, wanting personal information. Rather rude collection company.
 Jan 04th, 2008
these people are incredibly obnoxious with repetative phone calls, leaving no name for the message. they had the wrong number and i've received about 30 calls on my answreing machine. always a recorded message, no person. OBNOXIOUS!!!!!!!!!!!!11
 Jan 04th, 2008
Received a few calls from these people. told me i had an account that i could prove was in no way mine. they told me to pay up and they could help me get my money back from whomever actually made the charges. This doesn't show on any credit report, even though they tell me they are looking at a copy! They just wanted the money regardless of any valid debt to anyone. You have to wonder why someone would pay them to help settle a debt you never had. (This seems to track to some regional department store that doesn't do business within 250 miles of where i live. Gotta love bottomfeeders!
 Dec 07th, 2007
Called on my Cell phone, does not leave message
 Dec 01st, 2007
8 yr old c/card charged off.bankcard company no longer exists.last threat was from "elizabeth mongelo" now it's been passed back to a male.2-3 times per week they call.
 Nov 30th, 2007
I am confused as to how this site works.
 Nov 27th, 2007
today at my place of employment on answering machine" elizabeth mongelo from national action financial service.please call our office by 8:00 to avoid further action! x 2883"
 Nov 20th, 2007
these dead beat mother fucking people >National Action Financial Service
168 Lawrence Bell Rd. Ste 100
Buffalo New York
Phone Number:
716-650-6240 better stop calling my mother fucking number or else these deadbeat assholes are going to be not a dead beat company no more when i put a mother fucking lawsuit on the dirty bastards too also they are very rude people and someone needs to put a end to them too also
 Nov 17th, 2007
They keep calling for my poor mom, she doesn't owe anybody... We have told them over 30 times they got the wrong person. They said "You are a f*cking liar" I got her on my voice mail. Making plans to sue them. Anybody wants to take action against them? Feel free to email me at
 Nov 13th, 2007
I have the same problem. "Mr Alltough" keeps calling and leaving messages for someone who doesn't even live here. I have told them repeated times that the person does not live here and they say that they will take care of it and then end up calling the next day with the same bs. They get more and more threatening every time. Today, he left a message saying for us to call back within 24 hours in order to "protect" ourselves. We called and told them once again that the person does not live here and this time threatened to take HIM to court for harassment. We will see how it goes. If you don't owe money, then don't bother with these people. We went months with our home phone unplugged to avoid these unnecessary calls, but they still continue. This company needs to be reported.
 Nov 08th, 2007
action financial services the woman was shawna moorehouse, we have not debt, but we do have a web page where she most likely got the number. it is bogus and DO NOT GIVE THEM ANY INFORMATION OF ANY KIND. they also send letters to your house, and some people on the web have said they are very annoying, and the company is out of India. SO dont answer and report to the do not call list or your local BBB and try the state commerce office to report FRAUD
 Oct 31st, 2007
These people are liars, plain and simple. The caller said he was trying to reach my husband regarding an application for employment he had submitted. I thought that laws were in place to hold these people accountable for such diectful actions.
 Oct 31st, 2007
They called my mom's home & asking for me. She told the idiot he doesn't live with me any more. The guy started to insult my mom.
D. Carvajal
 Oct 30th, 2007
Received a phone call from 716-650-6240, came up on id as unavailable so I did not answer. They left vm looking for a Margret Walker (no one here by that name)said her name was Amber Craw and that she was from National Action Financial Services and for to call back at 1-800-219-6841 Ext. 2368.
After reading the comments I'm glad that I didn't answer :)
 Oct 29th, 2007
They've called and left several recorded messages...they don't ask for anyone by name just say it's not a sales call but a collection agency. Like *that* will get anyone to call back. LOL Neither my partner nor I have the slightest debt or unpaid bills. I think the whole thing is a scam. The number was 219-6481 - name of Lynch. Seriously, isn't it time for a class action suit?
 Oct 28th, 2007
these people keeps calling me they keep it up i am going to put a class action lawsuit against these people they are stupid people too do not answer there calls too also
 Oct 27th, 2007
A few months ago I moved and got an updated cell number in my current area code. Immediately I started receiving collection calls from various agencies regarding the previous owner of my number. Most agencies have been understanding and have removed my information. However, these people have no intention of removing me from their database after 3 months of attempts.

I know the Fair Debt Collections Practice Act very well. I, unfortunately, was a collector for American General Finance when I was in college and graduate school. I also worked for an attorney who sought judgments against debtors. The people calling from 716-650-6240 are completely skirting the FDCPA; No calls before 8am or after 9pm (local time to the call receiver). They are also not allowed to be rude, threatening, or abusive in any manner. Report these violations to the Attorney General of your state as well as the Attorney General of New York, where this company is incorporated. they keep calling my phone number for no reason at all so everybody report them to the right people
 Oct 24th, 2007
These peopel have some nerve! I let it go to voicemail and the message I recieved was horrific! Nasty threats, very bad tone and actually raising their voice!. I did some research and found they are a collection agency who buys debt that is past it's statute of limitations so they cannot collect in court. To make it worse, they won't give you information about the debt! I still have no idea what they are talking about!! Just avoid their calls or send them a certified letter telling them to stop.
 Oct 23rd, 2007
looking for individual w/ like name, do not talk to them, will not do u any good. see how to deal w/
bottom feeder collection agency's
go to do not get mad, get paid!
 Oct 14th, 2007
these people keeps calling my house for no reason at all and i am going to put a lawsuit against them if they keep calling me too also
 Oct 13th, 2007
They call daily. I have repeatedly told them they have the wrong person. Seems to do no good. I just don't answer anymore.
 Oct 10th, 2007
Ever wonder where drug addicts, prison parolees, and newly released mental patients go? They become debt collectors....oh.....that's why they are BRAIN DEAD DIRTBAGS!
 Oct 09th, 2007
Some male call from this number looking for my wife's mom. I attempted to explain that wife's mom did not live with us and that we weren't always in contact with her. He was persistent about leaving a message, even after I explained to him that she may not get the message. He then stated that my unwillingness to take a message was the reason "she's (my wife) is leaving". I attempted to discuss this with him further, but he refused to speak and then hung the telephone up. I was hoping he could tell me the date she's leaving, so I can plan a party that night!!! just kidding
 Oct 09th, 2007
I also have been receiving calls from this company. Is the business going to be shut down? or what? I'm tired of being harrassed by this number.

They always say, in an intimidating voice...

"Again the number to return this call to is 1-866-265-5287 and ask for Gary Marshall"

"My name is Mr. Marcy El. I am colling with offices of Nation Action Financial Services. This message is being left under Federal and State regulations. Unfortunately, due to the sensitive nature of this call federal law prohibits the disclosure of any additional information at this time. If you intend to protect your rights as a consumer contact me IMMDEDIATELY.

My name is Mr. Marcy El...and it repeats the SAME MESSAGE.

What is odd.. Gary Marshall and Mr. marcy El are indeed the SAME voice. How can they legally claim they are 2 different people when leaving messages.
 Oct 06th, 2007
They keep calling for a person who doesn't live here. The man told me to stop lying to him how could they be calling for a person who hasn't have last name and doesn't ive there. Well I have no idea who they want and I wish they would stop calling me. You all need to find a way to put them out of business. I have no reason to lie and my bills are paid, so whoever they are looking for they need to find them elsewhere.
 Oct 06th, 2007
Called looking for wife's mother who's a couple of months behind on 2 credit cards. She's never lived here or used our #'s.
Said he was "Anthony Ryan" with "Mr. Anderson's" office and was calling in reference of a "settlement".
 Oct 04th, 2007
They call, leave no message. Strange way to do business.
 Sep 22nd, 2007
Ms. Madigan called me and started cussing at me and I hung up on her and she tried to call right back and I didn't answer. Who does that? I am now getting the calls everyday with some messages and some hang ups and I am waiting for the day it stops!
 Sep 21st, 2007
Someone calls me everyday (sometimes more)from this number. They do leave me a message saying they are from National Action Financial Services, but does not tell me who they are trying to collect for. I might would respond if they would tell me for whom they are calling.
 Sep 19th, 2007
Recorded outgoing message from "Mr. Lynch"
gave 866-529-1902 to call back
 Sep 18th, 2007
I know many phone companies have rules against these things. Spam, harrasment etc. Here, why doesnt everyone call and complain to ATT fraud dept or whatever. Get their phones pulled.

(716) 650-6240
Type: Land Line
Provider: AT&T
Location: Williamsville, NY
 Sep 11th, 2007
maybe we can get a pool together and have someone on their level deal with them.
I know how I would deal with them inperson,
 Sep 05th, 2007
I called this number back and they wanted my account number and asked what they were calling for but they insisted on an account number. I did get in a little trouble several years ago with a credit card but eventually was able to pay what was owed.
 Aug 30th, 2007
calls daily before you get out of bed till after you go to bed. computer call constant threats without saying who they are. i am terminally ill and need help with this. thank you
 Aug 22nd, 2007
Told my girlfriend that I owed $**** and that I should pay it up! They've also called me at work several times.
 Aug 22nd, 2007
calls several times/day - I never answer
 Aug 14th, 2007
I am always getting calls from collection agencies, none of which are for me. anyway i eventually get sick of it get some one on the phone and tell them they have the wrong number and to stop calling. and they stop, few months latter a different agency starts calling. this is the only one that has completely ignored me telling them to stop calling, and they are now calling me about three times a day.
 Aug 08th, 2007
they left message saying they follow state and federal policies but could not say they are calling. I don't know why they called but the caller ID said unavailable so I am unavailable. if they are not a fraud they would have a respectiable caller ID
Jedi G
 Jul 23rd, 2007
automated calling system from (716) 650-6240 calls my cell phone every morning at 8 AM my time (PST) and I have no dealings with this company and don't give out my cellular number so someone else must have made up a phone number on their credit application and used mine - now I get the calls. Changing my number appears to be the only way to rid their calls.
tran nguyen
 Jul 20th, 2007
Getting (and ignoring)calls several times a day for the past week or so from the 716 number.
Never answer the phone if you don't know who it is, or if it comes up UNAVALABLE. Legit callers state their business clearly. Don't have caller id? ask for it for Christmas! It's worth it for times like this.
Y' know this is bogus by the vague and ugly message, and especially if you are in no legal/financial trouble whatsoever. Don't give out anyone else's info, either, not even your bleepin' x's.
Take it easy; don't engage; Though the singing idea and the invitation to play children's games sound like a fun way to strike back.
 Jul 19th, 2007
 Jul 18th, 2007
They call and hang up constantly! The one time I answered and asked who they were, they wouldn't tell me so I hung up on them. Guess what people.....that is the LAST TIME I will talk to you!
 Jul 18th, 2007
Agency Details

National Action Financial Services, Inc.
165 Lawrence Bell Dr Ste 100
Williamsville, NY 14221-7817
Phone: 716-565-1020 (716) 650-6240
Fax: 716-565-1035
Web Address:

Head Debt Collector:
Michael W. Fletcher - CEO
Roger E. Carney - President & COO
NAFS' Parent Company is SITEL Risk Management out of Omaha, NE

Threats, lies, intimidation and other assorted ILLEGAL activities. These MISFITS of society earn their money the HARD way, they break the law to do it. Keep both hands on your wallet, these over-paid and under-worked clerks are worse than a Buffalo blizzard. These collectors think that being a 'con-man' is a compliment. Stay far away from these Buffalo Bandits!
 Jul 18th, 2007
Yes this is scam and these people are now being sought by the attorney general from the state of Pa. The calls will stop shortly.
Joe S
 Jul 13th, 2007
these harassers leave repeating recorded messages on my cell phone and i owe no money to anybody. i am really getting scared and may contact the authorites tonight when i get home from summer class. they told me i was stupid.
 Jul 13th, 2007
Some nasal idiot that says to call me , and never says what for.
 Jul 11th, 2007
this person called me (on my companys cell phone) and referred to me as somebody that owed them money. also called me by another name and told me to man up and tell them who i was and what my address was. i have found out that this is a scam to make people pay them that owe other people money. i cant imagine this tactic being used on old people. also come to find its mostly used on cell phones.
 Jul 10th, 2007