Consumer complaint received 2026-07-15 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Nationwide Capital Services, LLC
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Date : XX/XX/year> Nationwide Capital Services Attn : XXXX Department RE : Formal Dispute, Demand for Validation, Cease Communication, and Notice of Potential FDCPA Violations To Whom It May Concern, I am writing regarding the text message I received from your company stating that my account had been " red flagged to be reviewed by the Law Office of XXXX XXXX XXXX, PC. '' I dispute this alleged debt in its entirety. Your text message failed to identify the alleged debt, the original creditor, the account at issue, or even the amount you claim is owed. Instead, it merely instructed me to call your office. As a consumer, I have no way of determining what obligation, if any, you are attempting to collect. More importantly, I have never received the written validation notice required by XXXX U.S.C. XXXX ( a ). To date, I have not received any written communication identifying : The amount of the alleged debt ; The name of the original creditor ; My validation rights under the FDCPA ; or Any documentation supporting your claim that I owe this debt. If your text message was your initial communication, you were required to provide the disclosures required by federal law either in that communication or within the statutory time period. I have received neither. Accordingly, I demand the following : Immediately cease all collection activity until you have complied with the validation requirements of the Fair Debt Collection Practices Act. Provide complete validation of the alleged debt, including : the name of the original creditor ; the date the account was opened ; the amount allegedly owed with a complete accounting ; documentation establishing that I am legally responsible for the debt ; and documentation demonstrating your legal authority to collect it. Cease all telephone calls and text messages to me. From this point forward, all communication must be made only in writing to my mailing address or by email at XXXX. If you can not fully validate this account, immediately close your file and cease all collection efforts. Please also preserve all records related to this account, including telephone recordings, text message logs, correspondence, internal notes, and documentation regarding your attempts to collect this alleged debt. This letter places you on notice that these records may become relevant should legal action become necessary. Because I believe your collection practices may not comply with the Fair Debt Collection Practices Act, I am evaluating all available legal remedies. If it is determined that your company violated federal law, I intend to seek all remedies available under the FDCPA, including statutory damages, actual damages where applicable, costs, attorney 's fees, and any other relief authorized by law. I am also willing to discuss an amicable resolution, including closure of the account, if appropriate. This letter is not an acknowledgment of liability and shall not be construed as a promise to pay. My rights under the FDCPA, the FCRA, and all other applicable federal and state laws are expressly reserved. I expect your written response within the time permitted by law. Sincerely, XXXX XXXX XXXX

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