Nationwide Capital Services, LLC

A collection account was reported to my XXXX credit report by Nationwide Capital Services on XX/XX/year> for {$820.00} ( original amount {$500.00} ). I have not received a written notice from Nationwide Capital Services explaining my right to dispute and how to request validation. I have difficulty with verbal communication and can not resolve this by phone, so I attempted to contact the collector by email to dispute and request validation, but the email address I tried was not valid and my message bounced. I asked the original lender ( XXXX XXXX ) to provide a working email for the collector, but I still do not have a working email contact. I am requesting a proper written validation notice and a written method to dispute/validate, and that the account be marked as disputed and corrected as appropriate.

A consumer installment loan was originated by XXXX XXXX to a New Jersey resident. The Truth-in-Lending disclosure on the loan agreement states an APR of 218.1667 %. Under New Jersey usury law, the maximum legal interest rate is 30 % for consumer loans. I believe this loan may be void or unenforceable under New Jersey usury law as it exceeds that cap by over 600 %. I dispute that any amount is legally owed on this account. XXXX XXXX subsequently sold this account to Nationwide Capital Services without prior notice to the consumer. The account was reported to XXXX on XX/XX/year>. The consumer was not notified of the sale until XX/XX/year>, after the account had already been reported to the credit bureau. Nationwide Capital Services has engaged in collection activity ; however, I did not receive a written validation notice within five days of initial contact as required under the Fair Debt Collection Practices Act ( 15 U.S.C.…

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I am here to file a complaint against Structured Settlement Collection/ NATIONWIDE CAPITAL SERVICES LLC . There has been multiple violations of my consumer rights from this company. First of all, the agency has provided XXXX inconsistent and conflicting information regarding the amount owed. I was given XXXX separate balances. One of {$700.00} and another of XXXX. This has caused not only confusion but it makes it diffuclt to verify the legitimacy and accuracy of the debt. They also have not sent me any form of formal letters in the mail about this. I only got a formal letter on my email AFTER asking for proof. Second, I have experienced repeated and excessive phone calls from XXXX different women that I consider to be harassment. The frequency and persistency and tone of these ladies voices has cause an unnecessary amount of stress to me. Third, the agency has contacted multiple family members and disclosed information about my alleged debt.…

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This complaint/issue with the company " Structured Settlement '' a former affiliate of Nationwide Capital Services purchased a loan debt that I defaulted on. On XX/XX/year>, approximately 3 days after I received notification that the debt was sold, I received a call from a female identifying herself as " XXXX of Structured Settlement formerly Nationwide Capital Services ''. " XXXX '' advised me of the debt owed and we began discussing a payment. " XXXX '' insisted that I settle the debt immediately and I informed her that I was unable to make a payment. " XXXXXXXX XXXX '' tone became extremely aggressive and threatening. I informed her that I've been in debt before, worked in collections before, and that I was familiar with the process ( collection tactics, settlement, and my rights as a consumer ). " XXXXXXXX XXXX '' response was " yeah, but you've never debt with a company like us before ''.…

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The company call me from numerous phone numbers with my area code. I picked up once because my phone does not pick up unknown numbers but a voicemail was left for me and I listened to it. I am not used to debt collectors and how they work but the way they were describing the trouble I am in and that I was being sued by a company from a loan from 2024. Structured settlements told me that I would need to put down a downpayment and that the next day I would have to start making payments. When I told the lady I do not have anything to put down as of yet she said she will wave the fee for the down payment but I would have to add a card on file. They called me again, this time saying " I'm currently conducting an audit on your file in our office. And some of the notes kind of put you in a negative light. I wanted to give you an opportunity to respond on your own behalf and let me know if there's anything you would like me to take into consideration before turning in my recommendation.…

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I keep getting spam calls from a XXXX at XXXX XXXX about a payment I made to their office that was returned. I do not answer their calls becuase i know for a fact i have no outstanding debts. I believe this is a scam, as other folks have reported on XXXX andnother sites. I have never heard of them, I dont have a collector on my credit report that has any of their names they might go by and I dont ever remember making a payment to them. They keep spoofing phone numbers around where I live. They called again today and an identical message from the last time was left in voice-mail. I believe this is a robot call. I want someone to stop this scam.

I am submitting this complaint regarding Nationwide Capital Services due to their failure to provide debt validation after a formal request and continued reporting of an unverified debt on my credit report. On or around XX/XX/year>, I contacted a representative of Nationwide Capital Services and formally requested validation of an alleged debt being reported on my credit file. During that call, the representative confirmed that written validation would be provided and sent to me via email. As of the date of this complaint, I have not received any validation documents, itemization, or supporting evidence regarding this alleged debt. Despite the absence of validation, the account continues to be reported to the credit bureaus as an open account with a balance of {$1000.00}.

I took out loan from a payday lender, ( Lend nation for {$600.00} and made multiple payments. The account was sold to a collection agency, Nationwide Capital Services, who reported me owing {$980.00}.. I learned of this company after it was reported to the credit bureaus. I called today to dispute the debt and spoke with very rude and unprofessional people who used abusive and insulting language in violation of CFPB. I was also told by a manager, named XXXX that I couldn't dispute the account and that my mother should have raised me better etc. I also recorded the phone call if needed. This complaint is for unfair, and inaccurate debt collection practices.

Voicemail on XX/XX/year> with implied legal action, voicemail on XX/XX/year> with implied threat/pressure, I made payment arrangements in XXXX of last year, I began having health issues and could no longer pay the agreed upon amount, the company refused to work with me on the payment, calls are multiple times a day ... I've asked for documentaiton of the debt and they have refused to provide the information.

I have sent many letters to Nationwide Capital Services or Structured Settlement or whatever they call themselves since XXXX of XXXX. Nationwide either ignores the letters or outright refuses to respond. None of the letters have received a reply. I received a call from a representative on XX/XX/XXXX, and the representative insists that I make agreements or concessions on the phone. There seems to be a nefarious tactic here where if a person insists on written communication, Nationwide outright refuses to communicate or becomes evasive. I asked the rep that I require a commitment from Nationwide in writing that this collection account will be deleted from my account when the account is paid in full. She was evasive and made many excuses, including that the person who has the ability to send emails is out of office.…

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Company texted me XX/XX/year> and the text failed to include a company name. This is a violation of the Fdcpa. When I called the company, they failed to provide verification of the debt and bullied and threatened me into paying a debt that I have not been proven to owe. The company called a voice mail number at my job on XX/XX/year>XXXX which did not contain a user name and left a message that was in violation of the fdcpa. The message included false information and was from a spoofed number.

I received a call from XXXX on my work phone stating that shes from Structure settlement and is attempting to collect a debt. I have never conducted business with this company nor heard of the company Structured Settlement before. I do not appreciate being called on my work phone regarding my personal matters, especially if I never authorized or gave my work number to a debt collector as way to contact me. Receiving personal phone calls at work puts me a jeopardy of disciplinary actions at work. I need this company to cease contacting me.

I received a call from Structured Settlement Debt collection stating that I owe a debt that they purchase from XXXX XXXX XXXX increased by {$1000.00}. He proceed to call me a thief and a liar, stated that he knew how much my house was worth a that he would be calling my job sending paper work to have a wage garnished. They proceed to contact family member and call my work cell stating you thought I was joking. He stated that if my son took out this loan they would press charges against him. He was very rude and condescending. I paid him {$300.00} just to buy some time for them to leave me alone. He called my husband phone as well.

To Whom It May Concern, I am writing to formally dispute inaccurate and unverified information currently being reported on my credit file. This dispute is made pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), including but not limited to 15 U.S.C. 1681i and 1681e ( b ). The account listed below is being reported inaccurately and without proper verification : Collection Agency : Nationwide Capital Services Original Creditor : XXXX XXXX XXXX Account Number : XXXX Amount : {$230.00} Date of First Delinquency : XX/XX/year> I am disputing this account in its entirety. This account is inaccurate, incomplete, and has not been properly verified as required by federal law. Under 15 U.S.C. 1681i, you are required to conduct a reasonable reinvestigation of this dispute. Simply verifying this account through automated systems such as e-Oscar, or relying solely on the furnishers response, does not meet the legal standard of a reasonable investigation.…

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I received a phone call from XXXX they identified themselves as a debt collector and said they were attempting to collect a debt regarding a keto gummies subscription. Asked me to verify my name and address. I told them I had made a purchase of keto gummies and cancelled the subscription. They said I never cancelled it and I owed them ~ {$200.00}. I knew this wasn't true because I cancelled the order the same day I placed it. I called them back after searching through my emails for the cancellation confirmation. They asked me to send the confirmation to XXXX which I did. A few minutes later they called me back and said that was not the company they were calling to collect a debt for. The company I ordered from was kickinketo.com and the order was both placed and cancelled on XX/XX/XXXX. I have never placed any other order for any kind of gummies or gummy subscription. They said they were calling about a gummy subscription from a company called XXXX with an order date of XX/XX/XXXX.…

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XXXX different conversations I told them I was working with national debt relief asked for a validation of debt. They continue to call without providing my request. The talk vile to me threatening to call my family members! I told them I was recording conversations they hang up .latest call today XX/XX/year> talk to a XXXX XXXX threatened me with a attorney called me a liar said I wasnt with a debt relief company!

Verbally abusive agent XXXX would not explain to me in depth the debt and wouldnt let me say my email without cutting me off and was extremely short with me, almost like I was burdening her. Hung up on the first call and said she would mark me as refusal to pay even though I only asked for proof of debt. Did not send proof of debt email. Hung up on me multiple times after calling back to get more information. I believe this to be a scam attempt. Structured Settlement is the company name.

Hello, my information was expose by the data breach and my Identity was compromised and I have some fraudulent accounts on my credit report that need to be block and delete immediately. I have the account listed. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. I need these off my credit file immediately. XXXX XXXX

I am filing a complaint against National Credit Services LLC regarding an alleged debt they claim I owe. This account originates from a loan with an APR exceeding 400 %, which appears to be a predatory lending product. I am a resident of Georgia, where payday lending and excessively high interest rates are heavily restricted or prohibited. I formally requested validation of this debt, including proof of licensing to lend and collect in Georgia, a complete chain of assignment, and documentation showing how such an excessive interest rate complies with applicable laws. The response I received did not provide sufficient evidence to validate the debt under the Fair Debt Collection Practices Act ( FDCPA ). Additionally, the company continues to attempt collection and/or report this account to credit bureaus without providing adequate validation, which I believe may also violate the Fair Credit Reporting Act ( FCRA ).…

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This debt was sold to a third party debt collector under the name of : - Nationwide Capital Services, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, NV XXXX These calls were pervasive, however during legal collection call hours. They contacted my mobile phone, house phone, and family members, from several different spoofed phone numbers After the last call i received, i requested they stop contacting me, and was told they will choose a different number and continue collection calls. The debt they are trying to collect on violates my states usury laws, the principal of the loan was paid back, as well as significant interest.

This account is being reported by Nationwide Capital Services for an alleged debt originally from XXXX XXXX XXXX. This debt was included in my XXXX XXXX bankruptcy and has been discharged, as evidenced by my official discharge order. Despite this, the company continues to report the account as unpaid on my credit report, which is inaccurate, misleading, and unlawful. I contacted the company and requested validation of the debt, including payment history and proof that I owe this debt. The company claimed that payments were made in the past but failed to provide any documentation or evidence to support their claim, which is a direct violation of federal law. Additionally, on XX/XX/XXXX at XXXX XXXX, I spoke with a supervisor for approximately XXXX minutes and XXXX seconds. During this call, the supervisor was disrespectful and verbally aggressive.…

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I am filing a complaint regarding inaccurate, inconsistent, and unverifiable reporting by Nationwide Recovery Services regarding an alleged debt originally from XXXX XXXX XXXX XXXX This account is currently being reported across multiple credit bureaus with significant inconsistencies, which raises serious concerns about the accuracy and reliability of the information being furnished. The following discrepancies have been identified : * Date Opened is reported as XX/XX/XXXX on XXXX XXXX XXXXXX/XX/XXXX on XXXX and XXXX XXXX Date Last Activity is reported inconsistently ( XXXX vs XXXX ) * The reported balance is {$550.00}, which exceeds the reported High Credit of {$500.00} * Comments and account details are inconsistent across credit bureaus These discrepancies indicate that the account is not being reported with accuracy or consistency.…

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In XXXX tried to contact company asked for them to send debt validation in the mail did not do it XXXX asked again to send debt validation in the mail did not do it. They removed it from my credit bureau, then reapplied it to my credit bureau in XXXX. I asked that this be removed. They are not practicing by law.

This is a collection company hired by XXXX. They are both dba NATIONWIDE CAPITAL SERVICES LLC and STRUCTURED SETTLEMENT XXXX. This company is refusing to remove an account that was proven by law enforcement and XXXX XXXX XXXX to be fraudulent. XXXX was ordered to remove this account from my credit seven years ago. Now they've contracted this third party to try to collect on a proven FRAUDULENT ACCOUNT that's been reintroduced onto my credit. The company identifies themselves as both Structured Settlement XXXX and Nationwide Capital Services LLC. They do not identify themselves as a debt collector, nor do they read the required debt collector statement. They fail to identify whether a call is being recorded and state things they have seen on a my credit report that they are not authorized to view.…

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Ive been receiving multiple calls from structured settlement claiming to be calling my employer. These calls occur at odd hours, such as XXXX XXXX some nights and around XXXX XXXX most mornings. Theyve threatened me with lawsuits, and when Ive attempted to make payments, theyve either demanded higher amounts than I can afford or increased the debt when I fell behind. Despite informing them that Im between jobs and continuing to harass me, they sent me an email stating that a lawyer would freeze my bank account. Ive been called XXXX times a day, regardless of the time. XXXX from structured settlement has hung up on me multiple times because I requested to record the line, as they do the same. I offered a payout, but they reduced it by {$100.00}. Theyre unwilling to cooperate or reach an agreement. Theyve threatened to ruin my credit and keep reporting it to the credit bureau, resulting in my poor credit score. Now, they claim I have 24 hours before they involve lawyers.…

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I am filing this complaint to report the collection tactics used by Structured Settlement whom XXXX to work alongside the XXXX XXXX XXXX XXXXXXXX XXXX XXXX, regarding a debt. Below is a factual timeline of our interactions. My wife has been assisting me with this matter. So when I say we, Im referring to me and her. Tuesday, XX/XX/XXXX : We spoke with a representative who stated they would " escalate '' the account to the Law Office of XXXX XXXX XXXX by the end of the day if we did not agree to a settlement/payment arrangement immediately. The agent specifically mentioned the law office can perform searches to determine " income '' and " garnishments '' in my county in XXXX XXXX. I have a verbatim transcript and recording of this call on XX/XX/XXXX. Wednesday, XX/XX/XXXX : The company called me again, and we returned the call and spoke. Thursday, XX/XX/XXXX : We called them. During this call, we explicitly requested a written validation of the debt.…

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This CFPB complaint is also a formal request for debt validation to Nationwide Capital Services , LLC under the Fair Debt Collection Practices Act ( FDCPA ) and a dispute of the accuracy and completeness of the account under the Fair Credit Reporting Act ( FCRA ). My attached letter outlines the documents required to lawfully validate the alleged debt, including the original signed agreement, proof of ownership or assignment, the purchase or transfer agreement, and a complete accounting of the balance. To assess the legal standing and enforceability of this debt, I have also requested the following : The Date of First Delinquency ( DOFD ), as recorded by the original creditor and used to determine default and charge-off status. The date the account was charged off. The date the account was acquired or assigned to Nationwide Capital Services , LLC, along with any documentation confirming the nature of the transfer.…

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I notified this company in writing on XX/XX/XXXX that they are not permitted to contact me at my place of employment. Despite this written notice, they called my workplace again on XX/XX/XXXX and left a voicemail. This is a violation of the Fair Debt Collection Practices Act. I am requesting confirmation that my workplace number has been removed and that no further employer contact will occur.

Companies involved : Structured Settlement ( debt collector/servicer ) Nationwide Capital Services LLC ( alleged debt owner ) XXXX / XXXX XXXX Bank ( original creditor ) Product : Installment loan / Debt collection What happened I am submitting this complaint regarding abusive, misleading, and inaccurate debt collection practices related to an installment loan originally issued by XXXX ( XXXX XXXX XXXX XXXX XXXX which was later sold to Nationwide Capital Services LLC and placed with Structured Settlement for collection. Due to job loss and financial hardship, I defaulted and attempted to work with the original creditor before the account was sold. Since being placed with Structured Settlement, I have experienced multiple issues that I believe violate the Fair Debt Collection Practices Act ( FDCPA ) and may also implicate the Fair Credit Reporting Act ( FCRA ).…

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XXXX from Structured Settlement likes to call my phone number daily to collect on XXXX oil he claims I bought in XXXX or XXXX from a company that doesnt exist or even have a website. I dont even use XXXX oil. Its not something I would order and if it came in the mail it was likely tossed or sent back to them. Their number is XXXX. They are rude when they call and threaten to sue me. Theyve also callled my XXXX XXXX XXXX father. Please make them stop. Ive asked them over XXXX times to stop calling me. Yet they call daily.