8002645654

800 area code: Toll-free
Read comments below about 8002645654. Report unwanted calls to help identify who is using this phone number.
  • 0
    Do not give replies to spidery
    | 1 reply
    Mine does that too thank u so much
  • 0
    Bob99
    They call 5 times, get blocked 5 times, then move on to the next number.
    • Caller: North American Credit dba Sales Marketing
    • Call type: Debt collector
  • 0
    Peter
    Started calling once a day.
    • Call type: Debt collector
  • 0
    Rebecca Brown
    Not sure why this number keeps calling me, but they called 3 times in a few hours.
    • Caller: NACS Services
  • 0
    Carl replies to Susan
    | 1 reply
    Find a contingent lawyer and sue them for harassment
  • 0
    BigA replies to Carl
    First, what is a contingent lawyer?  Second, "Susan" posted here in 2008, 8 years ago so your advice is really, really late.
  • -1
    Jessica
    | 1 reply
    Credit collections for a hospital copay we somehow never paid. Nice lady, quick to give me info and I got my bill paid.
    • Caller: North American Credit
    • Call type: Debt collector
  • 0
    Really? replies to Jessica
    That's not been the experience of other posters!
  • 0
    Frances
    Received a call this morning.  They wanted my address.  They wouldn't give me any information "in order to protect my privacy"?????  They wanted the first four numbers of my address.  Unfortunately, I gave the numbers to them.  They claimed to be "debt collectors"  We don't owe any debts.  I wish to report these people.  STOP THEM!!  Both my husband and I are senior citizens and both have health issues.
    • Caller: "debt collectors???
    • Call type: Debt collector
  • 0
    Mike
    No response
    • Caller: don't know
  • 0
    I-HATE-SPAM
    800-264-5654 called Nov 28, 2017 at 9:32 am.  Message was from Alice from North American Credit Services Division to return a call to 800-264-5654 ext 369.  Message was for my ex-wife from 10 years ago, who I've not seen for 10 years.  She has never lived at this address.  These are scum suckers.
    • Caller: North American Credit Services Division
    • Call type: Debt collector
  • 0
    Derek
    A Annie from North American Credit Services was calling for a "Robert Robson" about unpaid debts. Now to me the name of the person they are looking for is fake sounding, not to mention I've had the same phone number for 8 years and no one even close to the name Robert has lived here.

    I informed them of this, yet they keep calling.
  • -1
    Ashley
    | 1 reply
    This is a debt collector, usually for hospitals. I do actually have some bills I'm trying to pay off from medical services last year. They've been accommodating in letting me set up payment arrangements that work for me. I've never been harassed by them.
    • Caller: NACS
    • Call type: Debt collector
  • 0
    Gunnar replies to Ashley
    There are few people in this world lower than bogus debt collectors. SHILLS are some of them!
     Skeff Ett Liv!
       Gunnar
  • +1
    BigA
    You need to send them a certified, return receipt debt validation (by law they have to go back to the original creditor to prove you owe the debt), cease and desist calling, or "not me" letter (this will be the best money that you have ever invested).  Also send it first class mail in case no one will sign for it.  Make a notation of that fact at the bottom of the letter.  You also need to report them to the proper agencies to which I have provided links to.  Then you need to go out and get a consumer lawyer to sue them on a contingency basis (no money out of your pocket) and let them pay you for the harassment.  If everyone did these three things, these crooks would be bankrupt and we would all be the richer for it.  Use these web sites to find an attorney in your state that will probably take the case on a contingency basis (no money out of your pocket up front):  http://www.consumeradvocates.org/
    http://www.consumeradvocates.org/find-an-atto ... tates_value=All

    Everything else you need to know follows including at least two agencies where you should report their criminal activities.

    NORTH AMERICAN CREDIT SERVICES, INC. AKA NACS AKA RAM COLLECTION AGENCY, INC.
    Posted in:  https://800notes.com/Phone.aspx/1-877-999-3992
    https://800notes.com/Phone.aspx/1-800-467-5654/4
    https://800notes.com/Phone.aspx/1-800-264-5654/2
    Website lists a PO Box in Tennessee:  http://www.nacscom.com/107
    BBB gives them an accredited A+ rating with 46 complaints: https://www.bbb.org/chattanooga/business-revi ... tanooga-tn-6153
    LinkedIn has the names of some of the felons that work there (wonder why no pictures?):  https://www.linkedin.com/company/north-american-credit-services-inc.
    Facebook page has pictures of the felons that work there:  https://www.facebook.com/NorthAmericanCreditServices/
    Tennessee Dept. of State info:
    Name:    NORTH AMERICAN CREDIT SERVICES, INC.
    Old Name:    RAM COLLECTION AGENCY, INC.

    Status:    Active    Initial Filing Date:    11/26/1979
    Formed in:    TENNESSEE    Delayed Effective Date:
    Fiscal Year Close:    December    AR Due Date:    04/01/2019
    Term of Duration:    Perpetual    Inactive Date:
    Principal Office:    2810 WALKER RD STE 100
    CHATTANOOGA, TN 37421-1082 USA
    Mailing Address:    J. SCOTT MCDEARMAN
    633 CHESTNUT ST STE 900
    CHATTANOOGA, TN 37450-0900 USA
    AR Exempt:    No    Obligated Member Entity:    No
    Shares of Stock:    1,000

    Registered Agent:
    Agent Name:    MCDEARMAN, J. SCOTT
    Agent Address:    633 CHESTNUT ST
    STE 900
    CHATTANOOGA, TN 37450-0900 USA

    Tennessee debt collector license info:
    License Status    Active
    License #    185
    License ID    185
    Expiration Date    Dec 31 2018
    Original Date    Dec 7 1979
    Profession Code    3502
    Profession Name    Agency
    First Name    \
    Middle Name    \
    Last Name    NORTH AMERICAN CREDIT SERVICES, INC.
    City    CHATTANOOGA
    State    TN
    Zip Code    37421
    Rank    COLLECTION SERVICE AGENCY
    License Activity Description    Active

    Looks like they get sued a lot:
    https://www.pacermonitor.com/public/case/2283 ... t_Services,_Inc
    https://dockets.justia.com/docket/florida/flmdce/6:2017cv00456/334622
    https://www.law360.com/cases/5a903354ad394045d6000004
    https://www.law360.com/cases/597a07a729ae534878000003

    It is incumbent upon them under the law to prove that the debt exists and that you owe it, and (this is the important part) that they have the legal right to collect it.  You are not obligated under the law to prove that you don’t owe or that it is paid.  

    Federal law (FDCPA) requires them to send you a letter (US MAIL ONLY) postmarked within 5 days of their first contact that contains their name, physical address, the creditor’s name, and the amount of the alleged debt. It also must contains “mini-Miranda” telling you that it is an attempt to collect a debt and that all information will be used for those purposes.  The one other important thing that this letter must also have in it is that you have a right to dispute the debt within 30 days of receipt of the letter and if you do so, all collection activity must be stopped until the debt is verified.

    First, you should make a complaint at this Federal Agency, and while there you should also read up on how debt collection is supposed to work as well as what your rights in this matter are: https://www.consumerfinance.gov/

    Also file a complaint with your State Attorney General's office.
    List of State AG’s offices:   https://800notes.com/faq/attorney-general

    Also file a complaint in Tennessee here:
     http://www.tn.gov/commerce/topic/commerce-file-a-complaint
  • -1
    Grammarnazi replies to BurlesonTX
    | 1 reply
    Ridiculous.
  • 0
    MikeHuntleton replies to Grammarnazi
    BurlesonTX posted on 26 Jun 2008 and your 10 years late at being an unwanted Grammar Nazi troll.
  • 0
    Kenisha
    They claim to be bridge Crest, a financing agency I just started with for my car. When I call the number they gave me, its just a busy tone. I don't know why I'm getting these calls. They call once or twice a day.
  • 0
    spammerslammer
    These scammers called here but left no message.  Could be routinely trying to collect on bogus debts.
  • 0
    Hank
    Here is my question - if you call my phone, do not leave a message and either the number you call from is spoofed or I am unable to call back - HOW THE HELL AM I ABLE TO TAKE CARE OF WHAT EVER YOU ARE CALLING ABOUT?! (If it's legit)

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