Consumer complaint received 2024-08-29 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Nationwide Capital Services, LLC
State: MI

Complaint narrative:
First voicemail left by XXXX XXXX from the company Structured Settlements was left on XX/XX/year>2024 at XXXX. It violated the FDCPA regulation by stating in depth my personal information including the last XXXX digits of my social security number, stated that he was reaching out to collect debt that I owed, as well as threatening consequences if I did not promptly return his phone call. The first part of this voicemail stated the following : This is a documented and recorded attempt to reach ( My full name ), my name is XXXX XXXX I am calling from XXXX XXXX regarding a brief contracting with your routing and account number we provided as collateral. I just wanted to reach out to make you aware of what is being presented to you at this time as well as offer assistance on resolving this matter on a voluntary basis as Im currently in the process of verification of employment and income as well as an initial asset investigation attached to the social security number ending in XXXX. He proceeded to tell me that that was why it was very important that I reached him that day and he needed a prompt phone call. 

Second voicemail left on XXXXXXXX XXXX,2024 at XXXX. It stated that this was now XXXX trying to get in touch with me again to verify some information on an automatic withdraw from my checking account and to return the phone call so I could confirm that I did in fact authorize the transaction. At the end of the voicemail they stated that this phone call was an attempt to collect a debt and any information provided will be used for that purpose. That violates the FDCPA XXXX that prohibits debt XXXX from exposing through a third party that they are debt XXXX attempting to collect a debt. Anyone can have access to my voicemails in my family as they all use my phone on a regular basis and my information about my debt at this point was no longer private. 

I returned the phone call from XXXX at the phone number XXXX on XXXX XXXX2024 at XXXX. At that point I was directed to XXXX XXXX. We spoke for XXXX minutes where I asked him for a validation letter of the debt he was trying to collect. He told me his secretary emailed it over to me. He proceeded to tell me that I had XXXX accounts with him at that time through XXXX different creditors and gave me the name of the original creditors and the amount owed for each of them. I told him I would return his phone call once I received the validation letters and would be settling the debt the next time I called him. I received the validation letters but due to the companys unprofessional mannerism with the voicemails and after speaking to them, I did some research on my end to make sure the company was not a scam. I reached out to my original creditors to have them confirm the name of the company they sold my debt to. They confirmed that is was indeed through XXXX  XXXX  and this took the entirety of XXXX  days total. 

The third and final voicemail was left on XX/XX/year>2024 at XXXX. Again violating the FDCPA XXXX. This one was from XXXX XXXX this time. He stated that he has left me several voicemails and has even spoken to me about this matter over the phone and has even sent emails to the email address I provided him. He again stated he completed his investigation for verification of employment and income as well as his initial asset investigation again stating the last XXXX digits of my social security number. He proceeded to say in the voicemail that he will be rendering a decision by XX/XX/year>2024 in pursuing this matter in XXXX XXXX XXXX with legal action. He provided a different callback number than the original number I called him on before. At this point again I returned his phone call on XX/XX/year>2024 and payed all debt owed. 

All XXXX voicemails left by this company indicated that I would be facing negative consequences due to unpaid debt. I was threatened with legal action if I did not return a phone call promptly. I was called after the hours of XXXX twice. There are many violations and I felt harassed and scared of what this company was going to do to me as they provided they had my social security number and account and routing numbers. They threatened my assets if I did not return their phone calls. As well as threatened my employment/garnishing wages. All through voicemails. I plan to follow up with my attorney and proceed with legal actions against this company for violating acts and regulations in the court of law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation