Consumer complaint received 2025-10-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Nationwide Capital Services, LLC
State: OH

Complaint narrative:
I am filing this complaint against Structured Settlement / Nationwide Capital Services ( XXXX XXXX XXXX XXXX XXXX, XXXX, NV XXXX ) for violations of the Fair Debt Collection Practices Act ( FDCPA ), the Fair Credit Reporting Act ( FCRA ), and state consumer protection laws. 

Summary of Issues : Unauthorized Collection Tactics Despite my certified written instruction to communicate only in writing, I received multiple unauthorized and threatening voicemail messages from their representatives. This violates FDCPA 1692c ( c ). 

Failure to Respond to Settlement Offer On XX/XX/year>, I sent a certified settlement offer of {$900.00} contingent on deletion of the trade-line. Structured Settlement received it on XX/XX/year> ( green card proof attached ) but failed to respond by my deadline of XXXX XXXX. 

Failure to Respond to Settlement Offer On XX/XX/year>, I sent a certified settlement offer and reiterated {$900.00} settlement demand, added notice of FDCPA violations, ( calls/voicemails ) and privacy breach. Structured Settlement received it on XX/XX/year> ( green card proof attached ) but failed to respond by my deadline of XXXX XXXX. 

Privacy/Data Breach In a prior dispute, they mailed me another consumers complete personal and financial file, including name, address, phone, email, bank name, bank account and routing numbers, credit score, and original agreements. This is a serious privacy violation affecting a North Carolina resident. 

Misrepresentation/Threats Representatives told me my account would be marked refusal to pay and escalated to attorneys if I did not comply with their demands.

Consumer Harm : Stress, harassment, and intimidation. 

The company failed to respond to my good-faith certified settlement offer by my stated deadline, preventing resolution of this debt and leaving a damaging collection trade-line on my credit report. 

The company failed to respond to my good-faith certified settlement offer by my stated deadline, preventing resolution of this debt and leaving a damaging collection trade-line on my credit report. 

The ongoing reporting of this account has directly interfered with my ability to qualify for a VA-backed mortgage as a service-disabled veteran, delaying my familys ability to move out of an unaffordable rental and into stable housing. 

This company also mailed me another consumers complete personal and financial file, including sensitive identifiers ( bank account and routing numbers, credit score, and credit agreements ). This constitutes a severe data breach and raises significant concerns about consumer privacy and regulatory compliance. 

The unresolved status of this account, combined with the companys conduct, has caused prolonged financial harm and extreme emotional strain for me and my family. 

Requested Resolution : Investigate Structured Settlement / Nationwide Capital Services for FDCPA, FCRA, and privacy violations. 

Require them to honor my good-faith settlement offer of {$900.00} with deletion of the trade-line. 

Ensure they cease harassing calls and adhere to written-only communication. 

Take appropriate enforcement action for the data breach.

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