Consumer complaint received 2025-06-01 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Nationwide Capital Services, LLC
State: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX  XXXX XX/XX/year> CERTIFIED MAIL - RETURN RECEIPT REQUESTED XXXX  XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX RE : Account Number : XXXX Original Creditor : XXXX  XXXX  Consumer Request for Debt Validation Gentlemen : This letter serves as my formal dispute and request for validation of the above-referenced account pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, and the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. DISPUTE AND VALIDATION REQUEST : I dispute the validity of this alleged debt in its entirety. I am exercising my right to request debt validation and require that you provide complete verification and documentation before any further collection activities or credit reporting occurs. REQUIRED DOCUMENTATION : Please provide the following documentation within XXXX ( XXXX ) days of receipt of this letter : XXXX. Account History and Payment Record : Complete payment history showing all charges, payments, fees, and adjustments from account inception to current date XXXX. Original Agreement : Copy of the original signed contract, agreement, or application establishing the consumer 's liability for this debt XXXX. Chain of Title Documentation : - Proof of your legal authority to collect this debt - Assignment agreements or purchase documentation showing proper transfer of ownership - Power of attorney or other authorization if collecting on behalf of another entity XXXX. Account Statements : Monthly statements for the last 12 months prior to default or charge-off XXXX. Default Documentation : Notice of default and acceleration letters sent to consumer XXXX. Insurance Claims : Documentation regarding any insurance claims filed or benefits received related to this account CREDIT REPORTING DISPUTE : I formally dispute the accuracy and validity of any trade line associated with this account appearing on my credit reports with XXXX, XXXX, and XXXX. Under XXXX XXXX compliance requirements and FCRA provisions, you must : - Immediately update the credit bureaus with a consumer dispute notation - Cease reporting until validation is provided and dispute is resolved - Correct or delete any inaccurate information LEGAL NOTICE : Please be advised that : - Under FDCPA 1692g ( b ), you must cease all collection activities until validation is provided - Any continued collection efforts without proper validation may constitute a violation of federal law - Any credit reporting without proper verification may violate the FCRA- This letter does not constitute acknowledgment or acceptance of liability for this alleged debt COMMUNICATION PREFERENCES : All future communications regarding this matter must be in writing and sent to the address listed above. Do not contact me by telephone regarding this account. Please provide the requested validation within XXXX ( XXXX ) days of receipt. Failure to validate this debt as requested will require you to cease all collection activities and remove any negative reporting associated with this account. I reserve all rights under state and federal law, including but not limited to the right to pursue damages for any violations of the FDCPA or FCRA. Sincerely, XXXX XXXX XXXX Enclosures : None cc : 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