Consumer complaint received 2026-03-17 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Nationwide Capital Services, LLC
State: TX

Complaint narrative:
This account is being reported by Nationwide Capital Services for an alleged debt originally from XXXX XXXX XXXX. This debt was included in my XXXX XXXX bankruptcy and has been discharged, as evidenced by my official discharge order. Despite this, the company continues to report the account as unpaid on my credit report, which is inaccurate, misleading, and unlawful. I contacted the company and requested validation of the debt, including payment history and proof that I owe this debt. The company claimed that payments were made in the past but failed to provide any documentation or evidence to support their claim, which is a direct violation of federal law. Additionally, on XX/XX/XXXX at XXXX XXXX, I spoke with a supervisor for approximately XXXX minutes and XXXX seconds. During this call, the supervisor was disrespectful and verbally aggressive. She insisted that I had to pay the debt, despite me clearly informing her that the debt was discharged in bankruptcy and that they are not legally allowed to attempt to collect it. During that same call, the supervisor falsely claimed that : The account had been removed from XXXX and XXXX The account has not been reported since XXXX This is clearly false, as I have documented proof that the account was updated and reported again this past weekend with a balance due. Furthermore, I was provided with the phone number of an alleged third-party collection agency ( XXXX ). I called twice on XX/XX/XXXX, and they stated they are not reporting anything on my credit and have no involvement with this account. This confirms inconsistencies and misleading information being provided by Nationwide Capital Services. Most importantly, without me providing any details, the supervisor referenced my bankruptcy attorney by full name and stated the exact filing and discharge dates of my case. This proves that they are fully aware of my bankruptcy and discharge, yet they continue to report and attempt to collect this debt anyway. This conduct is a clear and willful violation of : The Fair Credit Reporting Act ( 15 U.S.C. 1681 ) The Fair Debt Collection Practices Act ( 15 U.S.C. 1692 ) The Bankruptcy Discharge Injunction under 11 U.S.C. 524 Under federal law, once a debt is discharged, creditors are permanently prohibited from attempting to collect or report the debt as owed. As stated in my discharge order, creditors are not allowed to contact me or attempt collection in any way. At this point, this is no longer a simple reporting error. This is a knowing and intentional violation of federal law. If this account is not immediately and permanently deleted from all credit reporting agencies, I will take further legal action, including but not limited to : Filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ) Filing complaints with the Federal Trade Commission ( FTC ) Pursuing legal action for damages, attorney fees, and statutory penalties for violations of federal law I will not accept any updates, corrections, or modifications to this account. Due to the seriousness of these violations and the harm caused to my credit, I am demanding full and immediate deletion of this account.

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