Who Is Online Information Services? Why Are They Calling Me?
Most commonly for attempts to collect debt not owed
Contact Online Information Services
- Address to send a debt validation letter
- ONLINE Information Services, Inc. 685 W. Firetower Rd Winterville, NC 28590
- Phone
- 1-800-765-8268
- Official website
- https://www.onlineis.com
As of 2026-08-07 — verify before mailing anything important, since collectors do change addresses.
ONLINE Information Services, Inc. (doing business as ONLINE Collections) is a North Carolina-based debt collection agency that collects on delinquent consumer accounts on behalf of creditors nationwide. If ONLINE is contacting you, send a written validation request in writing before paying anything, so you can confirm the amount and that the debt is actually yours.
Has Online Information Services been the subject of regulatory action?
Online Information Services has faced federal FDCPA litigation over its collection letters. In Kelly v. Online Information Services Inc., filed May 10, 2018 in New York federal court, a proposed class action alleged the company’s letter improperly demanded that disputes be submitted in writing — the suit argued this misled consumers into thinking a phone dispute wasn’t an option, when the FDCPA doesn’t require disputes to be in writing to preserve certain rights. If a collection letter tells you a dispute must be written when you’d rather call, you can still dispute by phone, though putting it in writing creates a paper record — see debt validation request for how to do that.
Questions & Answers
Is Online Information Services a legitimate debt collector?
Online Information Services shows up in the CFPB consumer complaint database, which tracks real complaints filed against real companies — so it is a legitimate, registered entity, not a scam name. That doesn't mean every call claiming to be from them is real; scammers impersonate real collectors. Verify what they're collecting before paying anything — see what to do the first time a collector contacts you.
— US Debt Compass Editorial Team
How do I stop Online Information Services from calling me?
Under the FDCPA, you can send Online Information Services a written cease-and-desist letter and they must stop contacting you except to confirm they've received it or to notify you of specific legal action. This doesn't erase the debt — it only stops the calls. See the cease-and-desist letter glossary entry for how to send one.
— US Debt Compass Editorial Team
How do I dispute a debt with Online Information Services?
Send a written debt validation request to Online Information Services's dispute address within 30 days of first contact — they must then verify the debt before continuing collection. See the contact details above for the current mailing address.
— US Debt Compass Editorial Team
Is Online Information Services on my credit report?
If Online Information Services is collecting on an account, it can appear on your credit report as a collection tradeline, separate from the original creditor's listing. Check your credit report directly to confirm, and see the credit report dispute guide if anything about the listing looks wrong.
— US Debt Compass Editorial Team