Consumer complaint received 2026-04-28 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Nationwide Capital Services, LLC
State: OH

Complaint narrative:
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 ''. " XXXX '' continued her yelling and being disrespectful, repeatedly telling me about the law firm XXXX XXXXXXXX XXXX XXXX XXXX XXXX, that they're partnered with. I continued telling her that I would make a payment or negotiate to settle the debt, but was unable to make one at the time of her call. " XXXX '' then repeatedly told me that she marking my account as refusal to pay, and said she was sending the refusal to their partnered law firm. As I was again explaining to " XXXX '' that I would make a payment soon, she slammed the phone and the line disconnected. Later this same day XX/XX/year>, I received another phone call from " Structured Settlement '', this time from a spoof number. I called back and spoke with a male. I asked why were they continuing to contact me within a XXXX period after speaking with me, violating the FDCPA. The male acknowledges doing so was a violation, but insisted that they didn't call. My phone records and voicemail records prove otherwise. I attempted to settle the debt approximately {$2500.00} for {$1400.00}, but was denied. I then offered a {$75.00} a month payment, again denied. A supervisor said the minimum payment would be {$100.00} per month with a XXXX XXXX processing fee for each payment. My reviewed of this company and the Nevada Secretary of State records show that this company or a company operating with the same name, had its license revoked 3 times, with each time seeking re-licensure under different ownership. This company is violating numerous FDCPA laws with my debt - threats, false representation, calling after being told to communicate with me only by email, and excessive unreasonable fees. If this is the same company that was revoked in Nevada 3 times, and still operating in Nevada, their license should be permanently revoked. I have recorded phone calls and phone records to document their calls and unlawful tactics.

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