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Who Called Us

The phone is ringing, and I don't recognize the number,
All Caller ID says is, "NAME UNAVAILABLE".
Please help me figure out who is calling and what they want

30 calls reported from this number.

Report a phone call from 866-479-7925

Comment on calls from 866-479-7925


November 30th, 2010 Resident47

Whoops, it's become six entries away from "Patrick" in the time it took to write. Is there maybe a reason for disrupting civil discourse?

November 30th, 2010 Resident47

At least the spamming lawyer four entries prior labeled his interruption as such. Doesn't make it right to be here, or an indication of your best options as an alleged debtor.

There is an awful lot of crude spin doctoring in this thread which is best ignored. NCI is a lawbreaking behemoth in the industry; don't be swayed by false sunny testimonials. The correct answer regarding these debt barons is not "Pay Youse Bills", but "Prove We Owe". Learn your FDCPA rights at FTC-dot-gov.

November 30th, 2010 nelson b 07 India

U ANT GT HARDSHIP TO GET IN MAA SHIP>>THUG LIFE ...blow u VIJAY..m gona roll u like a JOINT n smk em up..fuck u..ant got wrds for u only FUCK U MORRON...U SUCK BIG TIME

November 30th, 2010 zam boy 07 India

mukesh mother fucker kya baat hai sute hota hai...

November 30th, 2010 tammy 07 India

i gt a call frm 877 779 3475..i ans da call as usual..n da other prson on line sd dat his name is REJESH SHULUKE or sumthin dat i cudnt fig out..da guy was fuckin so annoing i told him i cnt pay ne thing..still keept on sayin da pay me $1 plz as if dat he is a begger n is starvin since days..fuckin REJESH or wat ever..if u go thrug dis page den plz dnt call me ne more...while talkin to him if fig out dat if learn few new wrds frm dat guy which r nt der in da he suck big time...

November 30th, 2010 ANTONIO 07 India

der is a fuckin coll manager name VJ or VIJAY he sucks big time when he says dat v'll touch base at so n so time..if i get a chance to met dat fucker m gona blow his ass wid boms n dianamites..he sucks men..i dnt knw how he sleeps wid his fuckin wife..fuckin morron..dick head..he must b sayin dat wat's da fuckin challeng wid u guys y cant u blow my ass..fuck u vijay or VJ ur r a mother fucker ass hole n a bitches son..go get sum rotten dick for u..u suck big time men..dnt even cum to NY..da cats will hunt u dwn..or dnt even apply for a visa ..if u do dat fold dat n keep it in ur ass..or if u manage to cum here..den i'll askd ma alkyda frds to fuck u ass dey all r hardcore gays n make a porn video of u n frwd it to u r wrk station sayin dat Vj or VJAY cnt afford ne thing nw so he strd a side bizz!!!!ha ha ha fuck u vijay or VJ who ever da fuck u r..DNT cALL me ...fuckin VJ COll manager

November 30th, 2010 rio anand 07 India

vijay dnt knw wat he says after dat..but i think he's a gujuu..frm gujrat...

July 1st, 2010 Patrick

Do not let debt collectors harass you. You have rights. We sue abusive debt collectors who violate the Fair Debt Collection Practices Act and make them pay you money. We handle the cases on a contingency basis.

Record all telephone conversations that you have with debt collectors. Take detail notes of any telephone conversations that you have with debt collectors. Save all voice mails that you receive from debt collectors. Save all letters that you receive from debt collectors.

Call Marso and Michelson, P.A. at 612-821-4817.


March 30th, 2010 Robert Canada

NationWide Credit - Mumbai Calling Center & GA Center Collections Agency; calls 5+ times daily asking for someone unknown. Unprofessional and they break federal mandates.

March 21st, 2010 indai211 CA

...assholes whod rather die than working hard.... why cant u understand if the govt could hve stopped these things,they wud have...they willnot stop us beacause its off ur bills and save urself frm the horror of getting a call frm an indian.if bill is not urs....gr8,u hve a chance to get rich....complain to ftc......
u fuckin ignorant assholes.

March 21st, 2010 india211 CA

americans donot know the definition of language......go to school yall ignorant assholes & u will come to know that language is used to make the other person understand what u want to convey....doesnt matter whether grammer is correct or not...mbna/chase/microsoft/nasa/citi/nyse/mercedes/at&t/dupont is not mad that it outsources to india.they can hire retards,thugs,&assholes frm ur own country....they even speak better english than us,but why india?...they want hardworking ppl,not ........

January 11th, 2010 Jim 07 India

this is for RealGenius, in your notification you dint recoment people to pay their bill....if they pay it they wont recieve those calls....tahnks any ways...

January 5th, 2010 Grow up 07 India

Please grow up guys!

October 27th, 2009 RealGenius NJ

Nationwide Credit, a collection agency calls many-many times a day.

NCI Correspondence
2015 Vaughn Rd Bldg 400
Kennesaw, GA 30144

they have placed a call to me 12 to 23 times a day since Oct 8th, 2009. First you never give out your SS Number to anyone! Period! They will ask for it over and over, JUST SAY NO! Be nice though. Real simple to deal with this, just asked what the account is for the balance, and who it is from. Now get their mailing address and phone number, and your account ID that was assigned to your account if there is one.

-------------- HOW TO FIGHT BACK AND WIN!!! ---------------

Now, and again be nice when you read the following to them, because the following statement will fell like a weight has been lifted off your chest:

"In accordance with the Fair Debt Collection Practices Act, 15 USC 1692c, 805(c):
(c) CEASING COMMUNICATION. - If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt."

That's it! End of the calls and the threats to come lock you up, and all the other B.S. stuff they know they can't say but due. Also No ONE is recording you, and if they are and it is stated as a fact, your answer is that you REFUSE to be recored on the call, and you should repeat this with each thing you say to them too. Now the next step is to lodge a complaint with the FTC - Federal Trade Commission at and supply the repeat collection caller with the ID that is supplied to you when they call back over and over.

Now let the Electronic Age assist you in fighting back. I went and did 2 things in my case when I realized that my health was failing, and money problems would become an issue in a short time. I changed all my home phone Numbers to an Internet Calling number with Skype as it would only cost me $60 a year to maintain a real local number in my area, and gave me better control over who can call me, and when. If you don't have a computer, and just don't want to switch to a new number then i suggest buying a "Advanced Caller ID with Ring Controller" from JF Tech Developing Co., in Norwich, CT.. Web site is This nifty device is a Caller ID box as you would expect to find for around 60 to 70 dollars, and is worth every single penny! What it does is takes the caller ID that comes in and compares it to a list you enter of calls to block. Yes it really works! and all that happens is the caller only hears on their end of the call is a ringing forever up to 20 rings and then the phone company cuts you off anyway. What you hear on your end is NOTHING!!! Just Bliss!!! It shows who called, but never rings through to you. Now if the Collection Agency catches on to this they will starting calling from other exchanges like ex. 717-232-0001, 717-232-0002, 717-232-0003, 717-232-0004, and so on. The device has that covered too, and lets you Block as a WILD CARD, which means you can list all number to be blocked from the following number ex. 717-232-XXXX where the "X" mean any number from the exchange, or you can just goto the extreme, and Block as ex. 717-XXX-XXX then no more call from the area code of 717.

One very important item you must do is follow through on mailing the letter and require a signature to be delivered, and a P.O. Box will get signed for too. In most cases their mailing address is the same without the PO BOX Line in the address. Also mail a normal letter also with the same in it as follows, and I GUARANTY they will stop calling you for collections. Here's a copy of my letter I send out to the few I had to deal with, just plug in your own words, and mail it off.

Today's Date

Your Name
Your Address

Collector' or Creditor Name

RE: Account {insert account name and/or number}

Dear Collector or Creditor,

I am writing in response to your ((letter or phone call)) dated {{insert date}}, ((copy enclosed)) about the above referenced account. I am unable to pay on this account due to {{insert reason here i.e. unemployed, disability}} . This is a {{permanent or temporary}} situation.

I also hope to save both of us a great deal of time, energy and expense by letting you know that I have no income at this time, essentially I have no money and can prove it! In accordance with the Fair Debt Collection Practices Act, 15 USC 1692c, 805(c):

(c) CEASING COMMUNICATION. "If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt."

Although I agree that I owe this debt, I am unable to make any payments toward it and therefore ask that you cease further communication with me concerning this debt. I will notify you if my financial situation improves enough to allow me to begin or resume making payments. Thank you for your understanding in this matter.


Your Signature

Printed Name

September 27th, 2009 lol

Most of these messages are from the bill collectors pretending to be happy customers. The rest are from frustrated consumers like me.
When I lost my job and activated my payment protection plan my payments were less than $100 per month. AmEx asked me why I was activating my PPP so I let them know that I had lost my job and since I had been paying for the payment protection plan for over a year I might as well use it when I need it. So, the PPP payed my payment for that month for me, and the next month my minimum payment was over $300 dollars! The next month after that my min. payment was almost $500!! Even without employment I would have been able to pay my min. payment of $100 due to the fact that my partner is still employed, however $500/mo. is ridiculous. The moral of the story is DO NOT inform your credit card company that you are unemployed... they will increase your minimum payment very high very fast making it impossible to repay your debt. Nice business practice! -(sarcasm)-

September 10th, 2009 Anon CA

Received voicemail msf from a "Javier" x5694 asking for return call to verify 'LOCATION INFORMATION' for a person. Caller ID display:GEORGIA CALL 678-762-3500

July 30th, 2009 david 07 India

asshole vj ext 5654 called me...he is a urban indian...staying in dombivili....

May 22nd, 2009 Mike NC

They keep calling my job phone and leaving a message for someone that doesn't work here. I told them to stop but I always have a message from them.

February 19th, 2009 linda 07 India

i settld a/c with amex last mnth manish was very helpful he saved me lot of money...thanks manish

February 18th, 2009 Crystal 07 India

I spoke to a guy name aaron at NCI..he is an Indian..but he was so he tried to help me in everyways...........I think He is the only guy who is good in NCI...he made me understand in such a way tht not paying tis debt is not good for me.....prior to tis guy ter another guy who cald..unskilled ass...i hungup on him..since ten i had a feeling tht all NCI...Guys are The same indian Fuckers...and ten tis guy cald intensions were not paying amex ...but ten i spoke to tis guy and he was so helpful...and ten i started paying..

February 6th, 2009 SHEILA 07 India


February 6th, 2009 SHEILA 07 India


December 21st, 2008 Eli Turner India

I loved the way Moses spoke to me. it was my card which my BF had charged it and I had to pay it. It was of great help when I spoke to Moses at Extention 2097. he was a wonderful person and I hav his cell no. whch shows traces of India but I suggest just spk to Moses. Luv You very much for taking care of my debt.

September 25th, 2008 jon 07 India


August 21st, 2008 TJ ID

I've told these people repeatedly that "Mary" doesn't live here, but now they're calling and saying, "Mary, call me blah blah blah..." I made one more attempt to get them to stop, but if it doesn't work, I have an idea. This government will bomb anybody, so let's tell them to bomb India. All we have to do is make sure they know where India is, so they don't bomb Australia or Canada by mistake.

April 1st, 2008 sacha 30 China

April 1st, 2008 sacha 30 China

this is for my bill collector frnds ,sandie,nigel,aaron,neil,piason,ronnie,shane,paul,uluas,bran,rick,shail & CHEN CHUENG(VERSH)>>M GONNA MISS U ALL

March 26th, 2008 for noel 07 India

ok noel if you have guts come online.Dont you think i m helping you in avoiding a big problem for you.....come online once you have my #......better you spk cant be decent.....

March 26th, 2008 chavez 30 China

....i want u racheal..........will u marry me..........................

March 26th, 2008 will 30 China

niel..................allways calls me n say....actually i was suppose to send u a letter that is y m callin u...and wen i ask him wat kinda letter.........................he hungs up on me.....rude............................

March 26th, 2008 jessi 30 China

asley.......with such a bad english....................i dont no how these gays have guts to spak with americans who r far better than them.................poor indian....that is y they r sufferin from poverty

March 26th, 2008 billie 30 China

866-479-7925 do u guys settle accnt for 40%...........................

March 26th, 2008 noel 30 China

hey...mthrfukr...sandie.....................first go & learn english...n then tri to speak in spanish..................u indian suk.......y u indeans........act like moron................sandi u r asshole.............u n ur senior manager suks.................mooker...u r a real .....................jerk................sandi if i get a chance to come in india..i ll fuk u n ur manageer.......................

guys frm ny...plz never call"em..866-479-7925.....................they r indian morons

March 25th, 2008 FOR YOU SHASHA 07 India


March 25th, 2008 donald 07 India

bran @ u....sweety

March 23rd, 2008 carrie 30 China

no i did not rite that sadi parker is a shitie asshole ......dos not even no how 2 speak proper english

March 17th, 2008 Trever 07 India

u fucken americans.....u guys r assholes, motherfuckers....unlike u gyes v dont live on credit.....v deal in hard cash....u dont have d damm ablity to pay ur own bills nd try to act smart wn v try to collect on it.....1st fucken learn to pay ur bills on time so u wont recieve ne calls 4m us.....nd dont dare abuse INDIANS coz v dont take shit 4m no body.....nt even u assholes.....

March 14th, 2008 CARRIE 07 India

hey sandi parker i have closed my acct you have really saved me i have never experienced any problems with dealing with you.....but now i have closed by acct and you cant handle my calls if I call you....can you please give me your
cell #....i want to meet you once..plzzzz....m waiting

March 10th, 2008 nora 30 China

866-479-7925.....................................never call'em they are indian assholes

March 10th, 2008 brown 30 China

plz dnt call me billcollectors i really dont have n e thing to pay,.............aaron m fed up with ur voice messages.....

March 10th, 2008 manuel 30 China

racheal....liked ur voice very horny...........................n u speak gud spanish

March 10th, 2008 ung___ 30 China

i hate mooken.........................................

March 10th, 2008 montoya 30 China

humm............................nice peple.................................very helpfull......keep it up supervisr aaron..............liked ur help

March 8th, 2008 jose 30 China

the best way to avoid these indian
speak in spanish...............

March 8th, 2008 charlotte 30 China

hey.......sum 1 named python call me yesterday..................

March 8th, 2008 hitesh 30 China

hey i like to call.............866-479-7925................n abuse them ...its fun ...................plz

March 8th, 2008 sara 30 China

i recived a message..............this is sacha frm national wide me bak @ 8664797925...extn..55288.........he sounded as if he is the sweetest person on earth ....but wen i calld him he was rude......................................

March 8th, 2008 yolanda garcia 30 China

nationwide credit.........senior manager mr rude..........sum1 plz sue him ...he is violating laws..............he was very abusive .........wen i told him . i am recording this call he got scred n started speakin like a polite gentle man....poor he..................

March 6th, 2008 John TX

I found free letters on that you can mail to this a@@holes to get them to stop calling you. They also have an article on how to deal with them. Fight back, they have to respect your legal rights.

February 12th, 2008 anony FL

It's funny how some indians here are complaining that WE are complaining about their bad english skills. And yet they do this with HORRIBLE grammar/spelling skills. And like another poster stated, it's a bad situation to start with but then trying to discuss the matter with someone that barely speaks/understands english makes it even more frustrating. My solution...screen all the calls, turn the ringers off and let the answering machine pick it up. Personally, in the past when I have had a debt to settle I dealt directly with the creditor instead of the collection agency. I had an instance where I paid a debt to a collection agency but the creditor never got the payment.

February 7th, 2008 wolverine 07 India

Clean your own background you americans and get over you business and stiff nose attitude.In the first place you people create a mess for yourselves by getting into debts and when the time comes to pay back you blame it on others if you have the guts to use someone else's money have the guts down there to pay them back then you will not get these so called irate calls as you call them.......

November 28th, 2007 SHANIA 07 India

message 4 americans...1st pay debts n den complain...u r the one who urges us to speak rudely
bcos of ur abusive language n not havin any intentions to take care of ur debts....n stop complaining
abt our english, n improve the way u ppl spk....

November 28th, 2007 Ms.elliott 07 India

whats ur cell no. shawn plzzzzzzzzzzzzzzz

November 25th, 2007 Rachael TX

Get a call from this number at least 2-3 times a week. I get the voice recording from Sandra and call back right away, but everytime it says that they are closed.

November 15th, 2007 M 07 India

i agree wid Jay.. infact not the debt collectors but most of the card members r rude.. they jus keep on abusing smtimes.. and why do u americans get onto the nationality????? We are proud to be Indians.. And we dont mk a fuss over our nationality coz we dont hv to .. evrybdy knows wht India and Indians r capable of and how dignified they are..And all u people complaining bout the bad english and indians plz go get urself a life u losers!!!!!!!!!!!!!!!!!!!!!

November 2nd, 2007 jay 07 India

im a debt collecter with NCI nd want to say somethng,im an indian nd i dnt thnk so every debt collctr frm india r so bad in english...i appreciate wat jess sd,but being a debt collctr dsnt mean we r nt human being..nd we also adhere to i wld like if guys jst stop LIEING...

November 1st, 2007 david 07 India

abbey 5603
save me frm this person he is sitting on my head

October 18th, 2007 Jen CA

HORRIBLE how in the world are we supposed to pay off our debt when you cant negociate because you cant understand what they are saying!?! RIDICULOUS!

October 5th, 2007 jessica 07 India

sweetest bill collector i have ever heard.
but after all he is BILL COLLECTOR.

October 5th, 2007 alisha 07 India

shawn,at ext 5698.

October 3rd, 2007 jessica 07 India

mike,at ext-5526.
plz save me frm him and his heavy language.
sounds like 80years old.

October 3rd, 2007 jessica 07 India

says like mike at ext-5526.
i donno what he want.plz god save me frm him.and frm his heavy english.sounds like 80years old.

October 1st, 2007 Vicki NY

Sandra Carter is a recording..Ugh...I think they are the agency for AMEX

not sure

September 26th, 2007 jesus

said to call anthony fernandez X5550 important I call immediately

August 28th, 2007 DD NY

The callers name is Larry Chan. He called me 5 times in one day leaving the same poor english speaking message. He sounds like he is from India don't believe that could be his real name. I asked for the address of the company but he refused to give it to me. I mentioned the 2015 vaughn Rd he said that was not it.

August 27th, 2007 Linda DC

A Sandra Carter from this number has been calling over and over again on weekends, Sundays. She never almost sounds like a recording

August 11th, 2007 USA India

hey this horrible english speaking lady says call me back at ext.5100 doesnt identify herself and speaks the worst of english and says her name michelle sounds is a dumb bill collector.I want to know if some one can help me from this idiot lady.

July 18th, 2007 sandi 07 India

thats the call back # and i dont find that the agents answering the calls are HORRIBLE English-speaking ...Bottom line these people call everyday
and they are called tru hunters.....debt collectors

June 27th, 2007 C again NY

5 calls in one day. This is a violation of the Federal Fair Debt Collection Act. Advise the caller, after the 2nd call of the day that they are now in violation of the above law and that any further contact will be recorded. Then direct them not to call you again.

June 27th, 2007 C

Called at 8:29 a.m. and left the VERY Pakistani sounding message requesting that I or my ex-wife (4 yrs ago) call back immediately w/o any other information.

June 23rd, 2007 Linda IL

Wanted my daughters phone and social security no.

June 6th, 2007 BC CA

caller does not identify company calling from. Just states it is urgent to call back at x5100.

June 6th, 2007 Brandy MS

Some guy named Sam has called me everyday for the past three mornings. It usually shows up ID BLOCKED but today this number showed up (and it is the same number he always leaves). He never identifies what business he is calling from and he doesn't state what purpose he is calling for.

May 22nd, 2007 frank 07 India

collectors are very rude

May 22nd, 2007 kent 07 India

this person calls everyday

February 26th, 2007 Scott AZ

These people call in violation of cease and desist letters.

February 23rd, 2007 Scar CO

HORRIBLE English-speaking skills...Bottom-feeder collector...AVOID

January 14th, 2007 BJ FL

Message said not soliciting. Please call..I don't think so

September 5th, 2006 BPJ PA

Nationwide Credit is a debt collection agency. FYI. Website is at and address is NCI Correspondence
2015 Vaughn Rd Bldg 400
Kennesaw, GA 30144.