I believe this is NAFS (National Action Financial Services), a collection agency in Williamsville, NY.  They are really creepy people.  My advice is to humor them if they call you.  Promise them anything, but give them no true information. Have some fun with them.  If they insult you, don't worry about it.  That is how they've been trained.  Start crying or laugh or do something weird.  Or, just be polite and admit your financial situation, but don't take them personally.  Do not give them a SS number, bank routing number, account number, NOTHING!!

I get the same calls. These call cost them almoust nothing but the persons time. If you want nothing and hang up they win. The key is to keep them on the phone as long as possible, then the cost goes up. Every few seconds is another call they could have made. If I have nothing to do I keep them on the phone as long as I can. I agree to everything and get details of everything until it's time to pay. Then I put them on hold to go get the payment. After a few of these unproductive 5-10 minute calls it will either become too unproductive to continue or they will get pissed with the people playing their own game and quit the job. If we all do it they will loose big money. Please repost this as much as you can so we can make an impact.

They call all the time and harass me about a non-existent Fleet bank account, Fleet was taken over by B of A The account was transferred and became a B of A account, they still lie and say "You owe money", F*** no I don't, B of A apparently never paid fleet's accounts, or listed them as charge -offs, straight LIE.

As well, were there a debt, it's now barred by Statute of Limitations, and irrelevant now They lie and say it's NOT under Statute, and still due, F*** them,

Dear Mr. Newman since you want to use an automated voice service to annoy people 24/7 and not have a REAL LIVE PERSON answer your phone, oh excuse me...one of your many representatives regarding a debt that you don't want to disclose, I have filed a complaint with the FTC. Now, let's see what Federal Laws you are breaking...

A recorded message comes through on my cell phone at least once a day. Always the caller ID indicates "Unknown".  Mr. Newman says he is not soliciting anything and represents a collection agency. And I am asked to call his phone number.  Funny thing is I do not have any late payments ever on my credit history. It is pristine.  This is a fictious caller and nasty way to get you to call the number and give them your personal data.  I won't do it. I NEVER pick up when a caller refuses to identify.  Do NOT bother to call these people.  They DO NOT deserve your time (or your money).  Who would ever work for a company like that?  They should be ashamed of themselves.  Street beggars are atleast honest about showing their face.

I received the same automated message from National Action Financial Services.  I called the number and spoke to a customer service representative.  He asked for my phone number and it turned out that the debt listed was for someone else.  He said he would take my name off their calling list.  He was very nice.  You don't have to give them any personal information, all he needed was the phone number.  He mentioned that most of the debts they try to collect are old therefore the phone numbers are usually incorrect.  If you want them to stop calling, I suggest to just return the call and clear things up.

constant calls and unpleasant messages...

at 8 am this morning I recieved this call from this number. He wanted totalk with someone that does not even live here. He was rude and getting angry with me because I would not let he talk to this tanisha. My name is Tanisha, nor has it ever been,. further more he woke me up out of a dead sleep.  Whne I called them back, they claimed that my number was not in their system.  Funny, I do not owe any debts, I am new to this area and I mot the person that they are looking for.

lickmydicl

National Action Financial Service, a debt collector, is a division of Sitel inc..
Phone: +1 615.301.7100,Toll-Free (in U.S.): +1 866.95.Sitel This is a company
That use the telephone as a weapon to harass you into paying on old and uncollectible
Debt.. They will continue to call until some action is taken. With The Internet and a computer, they are able to call millions of numbers with little or no cost. What can we
Do to stop this?

Creepy calls from a machine 18006974981 . These people should be hanged!

Now they hired a machine with a British accent, here is the transcript of the message:
"Hello this is a call for Bonnie Plotkin. If you're not Bonnie Plotkin please hangup or disconnect. If you are Bonnie Plotkin please continue to listen to this message. There will now be a 3 second pause in this message. By continuing to listen to this message you acknowledge you are Bonnie Plotkin this is a call from national action financial services a debt collection company. This is an attempt to collect a debt and any information obtained will be used for that purpose. Please contact me about an important business matter at 800-697-4981. Once again the number is 800-697-4981. Thank you. Goodbye "

Of couse I'm not Bonnie Plotkin!

time is  running  out  on  car  parts ,I do not have a car.

The Fair Debt Collection Act (FDCPA) was put into place To give people legal rights when it comes to collection agencies and collection attorneys.  If this collection agency is calling you for a debt you owe or a debt that is not yours, they could be violating your rights.
If you are being contacted by this or any collection agency, get in contact with me, my name is Ryan Pfeffer and my company is FDCPA Compliance. The website is not up yet but my email is working. contact me asap so we can determine what rights these the bottom feeders have violated and take action.

Ryan Pfeffer
ryan.pfeffer@fdcpacompliance.com

National Action Financial Service, a debt collector, is a division of Sitel inc..
Phone: +1 615.301.7100,Toll-Free (in U.S.): +1 866.95.Sitel This is a company
That use the telephone as a weapon to harass you into paying on old debt that is noncollectable. They will try to force you into calling them, This allows them to farther entrap you in their collection scam  With The Internet and a computer, they are able to continue calling millions of numbers with little or no cost. What can we Do to stop this?

Mr Newman, Yeah Right is a collection agancy, they call seven days a week, 2 to 3 times an hour,  ridiculous but they have to do it to try to collect a debt.

Asked to call 1-800-697-4981 and ask for Mr. Newman. I called and they mention for some $170.00 from year 2001, 9 YEARS AGO!!! What the hell, I don't have anything on my credit history and I don't remember that I owe anything besides my college loan, to anybody.
But this Mr. Newman is some phony s*** that is sooooo tricky, dirty and nasty. You don't do that crap to today;s soceity, you just don't.

I'm wondering how long it will take "Mr. Newman" to figure out that I won't answer "his" call when I see the number??  If you can't tell me what you are calling about on my voicemail then I can't take the time to call back!  Besides, after reading these posts, it sounds as if I don't want to call him back!

Just started getting these calls yesterday and decided it was a hoax. We don't answer and end up with a voice message. Sent text msg to State Attorney General's office to complain.  Will follow the link previously suggested for the FCC.

I agree!

Scam type of call, do not answer. They want information to be able to steal your identity.

800-697-4981 can also be reached at 866-529-1899
claim they do not have caller id on their phones
i worked for telemarketing companies.  they all have caller id
they are just a bunch of liars.
i recently moved, and got a new phone number.  i get calls from all sorts of people  (even the cops) looking for the dude that had this number before me.  most of the bill collectors stop calling after i tell them i just got the number, but this sleezey outfit will not stop.

when call them, usually get recording saying the mailbox is full.  i am retired, so i just play with the phone and push buttons and tie up their line and cost them money.  when i do get  to leave a recording, i just set the phone by the tv speaker.  good for about 8.5 minutes of recording time.
costs them money.  never have gotten a human, so do not know what sort of lies they tell.

File complaints with

Federal Trade Commission  https://www.ftccomplaintassistant.gov/FTC_Wizard.aspx?Lang=en

Your State Attorney General
State Attorney General is every state they have offices

Link to all State Attorney General Websites www.naag.org

If you or they are located in NY ? use this SPECIAL Link  www.NYDebtHelp.com
This special website was created by NY AG Andrew Cuomo specifically for reporting illegal debt collection practices.  HE?S CRACKING DOWN AND SHUTTING THEM DOWN!

Also report your calls and contacts with debt collectors at http://www.budhibbs.com/index.html  If the company is listed under agencies ? report there. If not on the list YET, click on Watchlist! and add to the list.   You can also post here http://www.collectorsexposed.com/forum2/index.php?board=2.0

Debt Collectors DO NOT WANT YOU TO KNOW THIS INFORMATION!    
The INFORMED CONSUMER IS THE DEBT COLLECTORS WORST ENEMY!

Dealing with Debt Collectors
http://www.budhibbs.com/start.html


Statute of Limitations by State ? always double check YOUR OWN STATE Government Website
http://www.budhibbs.com/statute_of_limitations.htm


Recording calls from Debt Collectors - always double check YOUR OWN STATE Government Website
http://www.budhibbs.com/record.htm


From Federal Trade Commission Website ? FAIR DEBT COLLECTION PRACTICES ACT
Debt Collection FAQs: A Guide for Consumers
If you?re behind in paying your bills, or a creditor?s records mistakenly make it appear that you are, a debt collector may be contacting you.
The Federal Trade Commission (FTC), the nation?s consumer protection agency, enforces the Fair Debt Collection Practices Act (FDCPA), which prohibits debt collectors from using abusive, unfair, or deceptive practices to collect from you.
Under the FDCPA, a debt collector is someone who regularly collects debts owed to others. This includes collection agencies, lawyers who collect debts on a regular basis, and companies that buy delinquent debts and then try to collect them.
Here are some questions and answers about your rights under the Act.

What types of debts are covered?
The Act covers personal, family, and household debts, including money you owe on a personal credit card account, an auto loan, a medical bill, and your mortgage. The FDCPA doesn?t cover debts you incurred to run a business.

Can a debt collector contact me any time or any place?
No. A debt collector may not contact you at inconvenient times or places, such as before 8 in the morning or after 9 at night, unless you agree to it. And collectors may not contact you at work if they?re told (orally or in writing) that you?re not allowed to get calls there.

How can I stop a debt collector from contacting me?
If a collector contacts you about a debt, you may want to talk to them at least once to see if you can resolve the matter ? even if you don?t think you owe the debt, can?t repay it immediately, or think that the collector is contacting you by mistake. If you decide after contacting the debt collector that you don?t want the collector to contact you again, tell the collector ? in writing ? to stop contacting you. Here?s how to do that:
Make a copy of your letter. Send the original by certified mail, and pay for a ?return receipt? so you?ll be able to document what the collector received. Once the collector receives your letter, they may not contact you again, with two exceptions: a collector can contact you to tell you there will be no further contact or to let you know that they or the creditor intend to take a specific action, like filing a lawsuit. Sending such a letter to a debt collector you owe money to does not get rid of the debt, but it should stop the contact. The creditor or the debt collector still can sue you to collect the debt.

Can a debt collector contact anyone else about my debt?
If an attorney is representing you about the debt, the debt collector must contact the attorney, rather than you. If you don?t have an attorney, a collector may contact other people ? but only to find out your address, your home phone number, and where you work. Collectors usually are prohibited from contacting third parties more than once. Other than to obtain this location information about you, a debt collector generally is not permitted to discuss your debt with anyone other than you, your spouse, or your attorney.

What does the debt collector have to tell me about the debt?
Every collector must send you a written ?validation notice? telling you how much money you owe within five days after they first contact you. This notice also must include the name of the creditor to whom you owe the money, and how to proceed if you don?t think you owe the money.

Can a debt collector keep contacting me if I don?t think I owe any money?
If you send the debt collector a letter stating that you don?t owe any or all of the money, or asking for verification of the debt, that collector must stop contacting you. You have to send that letter within 30 days after you receive the validation notice. But a collector can begin contacting you again if it sends you written verification of the debt, like a copy of a bill for the amount you owe.

What practices are off limits for debt collectors?
Harassment. Debt collectors may not harass, oppress, or abuse you or any third parties they contact. For example, they may not:
    use threats of violence or harm;
    publish a list of names of people who refuse to pay their debts (but they can give this information to the credit reporting companies);
    use obscene or profane language; or
    repeatedly use the phone to annoy someone.

False statements. Debt collectors may not lie when they are trying to collect a debt. For example, they may not:
    falsely claim that they are attorneys or government representatives;
    falsely claim that you have committed a crime;
    falsely represent that they operate or work for a credit reporting company;
    misrepresent the amount you owe;
    indicate that papers they send you are legal forms if they aren?t; or
    indicate that papers they send to you aren?t legal forms if they are.

Debt collectors also are prohibited from saying that:
    you will be arrested if you don?t pay your debt;
    they?ll seize, garnish, attach, or sell your property or wages unless they are permitted by law to take the action and intend to do so; or
    legal action will be taken against you, if doing so would be illegal or if they don?t intend to take the action.

Debt collectors may not:
    give false credit information about you to anyone, including a credit reporting company;
    send you anything that looks like an official document from a court or government agency if it isn?t; or
    use a false company name.

Unfair practices. Debt collectors may not engage in unfair practices when they try to collect a debt. For example, they may not:
    try to collect any interest, fee, or other charge on top of the amount you owe unless the contract that created your debt ? or your state law ? allows the charge;
    deposit a post-dated check early;
    take or threaten to take your property unless it can be done legally; or
    contact you by postcard.

Can I control which debts my payments apply to?
Yes. If a debt collector is trying to collect more than one debt from you, the collector must apply any payment you make to the debt you select. Equally important, a debt collector may not apply a payment to a debt you don?t think you owe.

Can a debt collector garnish my bank account or my wages?
If you don?t pay a debt, a creditor or its debt collector generally can sue you to collect. If they win, the court will enter a judgment against you. The judgment states the amount of money you owe, and allows the creditor or collector to get a garnishment order against you, directing a third party, like your bank, to turn over funds from your account to pay the debt.
Wage garnishment happens when your employer withholds part of your compensation to pay your debts. Your wages usually can be garnished only as the result of a court order. Don?t ignore a lawsuit summons. If you do, you lose the opportunity to fight a wage garnishment.

Can federal benefits be garnished?
Many federal benefits are exempt from garnishment, including:
    Social Security Benefits
    Supplemental Security Income (SSI) Benefits
    Veterans? Benefits
    Civil Service and Federal Retirement and Disability Benefits
    Service Members? Pay
    Military Annuities and Survivors? Benefits
    Student Assistance
    Railroad Retirement Benefits
    Merchant Seamen Wages
    Longshoremen?s and Harbor Workers? Death and Disability Benefits
    Foreign Service Retirement and Disability Benefits
    Compensation for Injury, Death, or Detention of Employees of U.S. Contractors Outside the U.S.
    Federal Emergency Management Agency Federal Disaster Assistance
But federal benefits may be garnished under certain circumstances, including to pay delinquent taxes, alimony, child support, or student loans.

Do I have any recourse if I think a debt collector has violated the law?
You have the right to sue a collector in a state or federal court within one year from the date the law was violated. If you win, the judge can require the collector to pay you for any damages you can prove you suffered because of the illegal collection practices, like lost wages and medical bills. The judge can require the debt collector to pay you up to $1,000, even if you can?t prove that you suffered actual damages. You also can be reimbursed for your attorney?s fees and court costs. A group of people also may sue a debt collector as part of a class action lawsuit and recover money for damages up to $500,000, or one percent of the collector?s net worth, whichever amount is lower. Even if a debt collector violates the FDCPA in trying to collect a debt, the debt does not go away if you owe it.

What should I do if a debt collector sues me?
If a debt collector files a lawsuit against you to collect a debt, respond to the lawsuit, either personally or through your lawyer, by the date specified in the court papers to preserve your rights.

Where do I report a debt collector for an alleged violation?
Report any problems you have with a debt collector to your state Attorney General?s office (www.naag.org) and the Federal Trade Commission (www.ftc.gov). Many states have their own debt collection laws that are different from the federal Fair Debt Collection Practices Act. Your Attorney General?s office can help you determine your rights under your state?s law.

For More Information
To learn more about debt collection and other credit-related issues, visit www.ftc.gov/credit and MyMoney.gov, the U.S. government?s portal to financial education.
The FTC works for the consumer to prevent fraudulent, deceptive, and unfair business practices in the marketplace and to provide information to help consumers spot, stop, and avoid them. To file a complaint or to get free information on consumer issues, visit ftc.gov or call toll-free, 1-877-FTC-HELP (1-877-382-4357); TTY: 1-866-653-4261. The FTC enters consumer complaints into the Consumer Sentinel Network, a secure online database and investigative tool used by hundreds of civil and criminal law enforcement agencies in the U.S. and abroad
February 2009

http://www.budhibbs.com/collectorpages/national_action_financial_service.htm
National Action Financial Services, Inc.
165 Lawrence Bell Dr Ste 100
Williamsville, NY 14221-7817
Phone: (716) 565-1020  (716) 650-6240
1-866-529-1899
Fax: (716) 565-1035
Web Address: www.sitel.com

COMPLAINTS HERE



UNITED STATES DISTRICT COURT

WESTERN DISTRICT OF NEW YORK


--------------------------------------------------------------------------------



STEPHANIE IANNUZZI,



                                    Plaintiff,

vs



NATIONAL ACTION FINANCIAL SERVICES,

SITEL CORPORATION and

JOSEPH CICERO                                                                                  JURY TRIAL DEMANDED

   

                                    Defendants.



CLICK HERE TO DOWNLOAD THE .PDF FILE

The above information is from public records.  Attention National Action Financial Services -current or former employees - we'd love to hear your side of the Stephanie story.   Email Us!  Stephanie Iannuzzi is a former NAFS employee, who helped start Aurora Gold - www.auroragoldexposed.com   If you know where she has landed, let us know please.


--------------------------------------------------------------------------------

Bud Says                         Consumer Comments Below

Head Debt Collector:
Michael W. Fletcher - CEO
Roger E. Carney - President & COO

John Farinnacci - Director of OPs
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!

CAUTION: I recommend you NEVER disclose your bank account or credit card information to a debt collector, as you risk them emptying your account, or maxing out your credit card. If you feel they are reporting on your credit bureau files in error or need assistance in dealing with them, email  the details w/your location.  Assistance and referral to a consumer legal specialist may be available.


THEY BREAK LAWS TO COLLECT WORTHLESS LEGALLY UNCOLLECTABLE DEBT - USE THE LAW TO CLOSE THEM DOWN

My wife and I have been together 3+ years, she has no debt.  Only credit she has ever taken was a co-signed car that she paid off last year.  Received a VM message from a Mr. Newman stating we needed to call them at 1-800-697-4981 to resolve debt.  I called and spoke with a lady who told me "Because it was not 8am EST she could not see my number and I would have to give it to her" Wait, you're telling me because it's before 8 EST you're caller ID doesn't work?!?  I've worked for several call centers and most have integrated computer and phone systems.  We recently moved and changed to this number 8 months ago, phone is under my wife's name so I feel it's convenient they are asking for her.  This smells like a phishing scam...

Kept getting recorded calls at annoying times!!!! Found this info and  number on the Internet:

National Action Services, Inc.
Phone: (716) 565-1020, (716) 650-6240, 1-866-529-1899
Fax: (716) 565-1035

Here's my note on what took place:

found the above numbers evening of Jan. 5 -  called and spoke to a lady - asked if they were the people who keep calling here and she asked if I knew a Grace Stumph (sp?) and I said no.  She said she'd have this number removed

Got a call from this # a woman suposibly named Jamie....couldnt pronounce my husband name correctly(not hard to say either),studdered thru part of it...obviously reading off paper. Saying it was an urgent Debt that needed to be resolved IMMEDIATELY! Somehow I seriously doubt it! Sounded like it was fradulent....and 99 percent sure its not a legit debt.

Always calls around 8:15 am PST.   Says it's Mr. Newman and we must call him.  It's not a human - it's computerized.  Our number is unlisted.  I once returned the call, eventually got a human and screamed at her and hung up.

Very annoying automatic fax system that calls several times a week. Cannot get it to stop!