I am receiving calls regarding an Express card I opened in 1999 and was in collections at one point; however I settled the debt with Express in 2003. I haven’t heard anything regarding this account in over 6 years since I paid it. Now NACF is calling me several times a day demanding money and yelling at me. This morning the man who called, Scott, literally started yelling at me calling me a “drain on the country, a deadbeat, and telling me there is “no excuse for me.” I advised him that I had paid the debt but do not... read full review »