Exact same issue.  Received the "Kelly Smith" call.  They named a bank I have never had any business with.  I said at much and they tried to convince me I was wrong.  I called the bank they named and they have no record of any buisness with me.  Total fraud.  Why in the world would I give my last 4 of social to a total stranger by phone.  That is the information EVERY one of my legitimate accounts uses to verify that it is me.  YOU should NEVER give this information out to a stranger on the phone.  If you have a legitimate debt with me, then send me a letter or take it to court.

I'm so sorry that you have gotten all of those
horrible textings.

For several weeks a recording has called looking for someone with the last name Lowery. I've pressed one for wrong several times, I've press the appropriate number to hold on to speak with someone and advised them they have the wrong and the recording is still calling.  There is no one at [removed] with the last name Lowery. Please stop the recording from calling.  I've report the number to authorities.

When I call the # I get an anwering machine. I left a message to take my number off their list. We'll see what happens.

I find ot interesting that when you owe no bills you people continue to call and harass to try to phish information about others.

I've been getting the automated calls at my parent's house. After doing a little research, the number 1-888-724-7611 does NOT appear to belong to National Credit, Inc. NCI has an A+ rating with the better business bureau. The individuals calling are likely scam artists posing as NCI.

The message is misleading and misleading representation by debt collection companies is a direct violation of the FDCPA.  Also, you are not required to provide someone calling you with your personal, identifiable information nor should you.  Also, they are not allowed to discuss or identify themselves as debt collectors to any one other than yourself.  Go research the FDCPA with a simple google search at the FTC.  Also, if you reaffirm a debt on the phone with one of these, very likely junk debt collectors, that will re-age the debt.

I only had my new number for 1 month and started receiving calls from an automated servicing stating that they was Kelly Smith.  Well they called one too many times so I just hit option 4 to say that I was not who they were looking for.  They asked for me by my maiden name which is really weird since I only had this new number for only a month and I have been married for over 7 years.  Whatever the reason...if it is money they will not receive one brown penney.

Post Dating is illegal - and they are not allowed to take any fund out of any account without a court order

his Kelly phone issue is nonsense. they are ripoff artists. I was asked for the last four digits of my social security number before they even told me clearly who they were and what they wanted. The women on the phone was rude when I asked for this information. Slicked into her quick and rude speal was the bank they say they represent. I said please send all of this in writing. I am not prepared to discuss this without documentation. I have a perfect credit score and know I do not owe anyone any money. I never received anything. When I called the bank and asked about my account, they indicated everything was in order and I did not owe any  money. These people are frauds not different then the typical Nigerian email scams. Do not answer the automated message. let them communicate in writing if they have something to say.

shame on you people. You also stalk these blogs - that should be a red flag to everyone. What company does that? Rudely and unprofessionally? come on - you are looking for some poor fool. shame on you.

This Kelly phone issue is nonsense. they are ripoff artists. I was asked for the last four digits of my social security number before they even told me clearly who they were and what they wanted. The women on the phone was rude when I asked for this information. Slicked into her quick and rude speal was the bank they say they represent. I said please send all of this in writing. I am not prepared to discuss this without documentation. I have a perfect credit score and know I do not owe anyone any money. I never received anything. When I called the bank and asked about my account, they indicated everything was in order and I did not owe any  money. These people are frauds not different then the typical Nigerian email scams. Do not answer the automated message. let them communicate in writing if they have something to say.

shame on you people. You also stalk these blogs - that should be a red flag to everyone. What company does that? Rudely and unprofessionally? come on - you are looking for some poor fool. shame on you.

This Kelly Smith company keep calling me saying I have an outstanding debt from ebay 8 years ago!  I don't have ebay account and I dont owe them anything.  Saeems like a scam! the number they use is 800-404-3086

I also received a call today from this number.  Other reverse lookups say it is Nationwide Credit.  They have been calling for a $15 bill that was already paid for over a year ago.

Received a call today - it was a computer voice. Not sure why but will not be returning the call.

A recording saying call Kelly Smith at 1888-724-7611, this is not a so;icitation call. I receive calls everyday at different times.

its amex collections

I have been called several times by this Kelly Smith recording, can't think of any outstanding debt if it is from a collection company....what is there beef and if they truely wanted to collect something, you would think they would have a better method.

I have been getting non stop calls from NCO's various numbers for the past 7 months, I always google numbers on my CID that I do not recognized. My telephone is on the DO NOT DISTURB feature, I can live with the call!

I can't beleive it, I just got a call today by this company; they called twice, back to back. I didn't pick up because I didn't recognize the number. I did call blocking my number and realize there was a machine, indeed someone at the other end would be a live person to either speak or connect you, but in this case no. i'm glad i didn't pick up and I won't in the future. CALL ALL YOU WANT KELLY SMITH>>>>I WON"T PICK UP>>>>

If that were true, your automated voice would not announce itself on my answering maching as a "debt collector!" That's a clear violation. When I finally decided to get on the phone and confront this issue the live person I talked to said, "how can you report me? I'm a live person, not a recorded voice."

This company will never get a dime from me.

leave message with the name Kelly Smith and did not say look for who.

I think Nationwide Credit is in crack!  I sent them a C&D letter back in July 2009.  They started in again with the calls on December 1 and again on December 8, 2009 with a man whose Indian accent was so strong it wasn't funny.  I had sent the info. about my debt consolidation company to them on December 1.  Now they keep calling with a woman or man without an accent - once on December 9, December 10, December 11 and twice on December 14 and December 15 (to both my work and home numbers).  I sent another C&D letter enclosing the first one on December 10, so I'm sure they have received it.  If the calls persist tomorrow, I'm filing a complaint with the FTC.  Plus, they keep asking for "location information," which I wouldn't give to ANYONE.

it depends on the other person that calls in if we get alittle bit testy or not..

well the reason why we ask for the last 4 of the ssn# is because we as a collection agency protects the privacy of people or else we could divulge someones personal information to the wrong person..its not that hard to cooperate with the company and the person that is calling you..i deal with thousands of people a day and yes i can say that the job is hard but its the other people on the other end of the line that can make it difficult to...patients cause there might be a reason why we are calling you...

COLLECTION AGENCIES DO NOT WANT YOU TO KNOW THIS INFORMATION!
FROM www.budhibbs.com  A CONSUMER ADVOCATE WEBSITE that specializes in Debt Collections and offers assistance to consumers.  THEY ALSO EXPOSE THE WORST FDCPA VIOLATORS IN THE COUNTRY



Nationwide Credit, Inc.

2015 Vaughn Rd NW Ste 300
Kennesaw, GA 30144-7802
Phone: (770) 644-7400       678-486-1027
Fax: (770) 644-7420
Web Address: www.ncirm.com
Other Offices:
3600 E University Dr Ste B1350
Phoenix, AZ 85034-7296
Phone: 602-379-2214
Fax: 602-379-2248
Click link for locations  
(NY, Atlanta, India, Florida, CA and Canada)
www.ncirm.com/locations.html


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

Bud Says                         Consumer Comments Below

Nationwide does not appear to have a problem in growth and expansion, however they do have a problem being able to deal with the accounts they have. Failure to provide documentation on both FDCPA and FCRA disputes. Too many employees that are lacking in FDCPA knowledge add up to a failing grade for this agency.  In fairness, consumer complaints have fallen off greatly in the past 12 months.

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


Dealing with debt collectors
http://www.budhibbs.com/start.html
Statute of limitations by state ? always double check directly with your own State Government Website
http://www.budhibbs.com/statute_of_limitations.htm
Recording calls from debt collectors ? always double check with your own State Government website
http://www.budhibbs.com/record.htm
From FEDERAL TRADE COMMISSION WEBSITE
http://www.ftc.gov/bcp/edu/pubs/consumer/credit/cre18.shtm

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.


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.

Called and indicated they needed to speak with me about an important message.  Called today, 7/29/2009

sure you not

still calling even though i called back and told them they have the wrong number.  spoke with a lawyer who suggested that i could successfully file a small claims case for these calls.  looking into it.

I have called them back 3 times to tell them that they have the wrong phone number, but they still keep calling.  I do consider that harassment.  If I was actually the party in question they would have been required to stop contacting me via phone when I asked the first so why can't they respect me when I am not the deadbeat?  If these yahoos bothered to check the number they are calling they would see that it is not registered in the name of the person they are trying to reach.  Maybe they hope I am a relative, but the shared last name is only slightly less common than Smith.  I mean, come on!

This is unacceptable.  If anyone knows of another lawsuit I am in.

Anon: You say that "NCI complies with the FDCPA...and isn't stupid enough to practice illegal tactics".

I guess you are uninformed about "One of Country's Largest Debt Collectors Agrees to Pay Record $1 Million Civil Penalty to Settle Charges of Violating Fair Debt Collection Practices Act" (check http://www.ftc.gov/opa/1998/10/nationwide.shtm).

They are calling me asking for "location information" but they do not say for whom and why they call me!.