Consumer complaint received 2026-02-16 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Nationwide Capital Services, LLC
State: TX

Complaint narrative:
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 ).

Payments and balance discrepancies I have made ten ( 10 ) payments totaling {$1900.00} through Structured Settlements payment system. Each payment included a {$10.00} phone processing fee, totaling {$100.00} in fees, resulting in net payments of approximately {$1800.00} applied toward the debt. 

Despite these substantial payments : I was told by a representative less than XXXX months ago that my remaining balance was approximately {$1100.00}. 
On XX/XX/year>, I received a letter claiming my balance was {$1800.00}. 
No itemized accounting has been provided explaining how this balance was calculated or why the amount increased after payments were made. 

I believe this constitutes a false or misleading representation of the amount owed under 15 U.S.C. 1692e ( 2 ) ( A ).

Failure to validate the debt I requested validation of the debt and received only a form letter restating the balance. The response did not include : Itemized accounting of principal, interest, and fees Payment application history A copy of the original loan agreement Proof that Nationwide Capital Services LLC owns the debt Proof that Structured Settlement is authorized to collect This does not meet validation requirements under 15 U.S.C. 1692g ( b ).

Harassment and threatening conduct I received a voicemail from a manager at Structured Settlement threatening legal action, seizure of my assets, and stating that my assets had been verified and that family and friends had been contacted.

These statements were intimidating and misleading and appear to violate : 15 U.S.C. 1692d ( harassment and abuse ) 15 U.S.C. 1692e ( false or misleading representations ) I have preserved this voicemail recording.

Continued collection after dispute I sent a formal written dispute and validation demand via certified mail. I have received the return receipt confirming delivery. 

After receiving my dispute, Structured Settlement called me again stating they were calling to confirm my checking account information for a confirmed payment, despite me not authorizing any checking account payment. 

I believe this constitutes continued collection activity after receipt of my dispute and an attempt to obtain payment information improperly.

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