Nationwide Credit, Inc.

did you send them a c & d letter?

No need for a C&D. Under 1692g(b) they are obligated to cease all collection activity until verification is provided. Since no validation has been provided, their continued collection efforts constitute a violaiton (among other violations).

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i just asked because i find it more effective to send a c & d with a debt validaiton letter. i agree, though that they should not harrass you.

@bea2ls - I usually wait to send the C&D after the CA has validated since they are bound to cease collection efforts until they do so. Where, as here, they do not cease efforts it is as good as violating a C&D.

@PaulMergel - Even better than that, I get a triple violation as follows. First, their name comes up as private on caller id. But the number is listed on their initial communication (that's how I know it is them). Second, since they are concealing their identity on the calls they are in violation [FONT=Times New Roman]1692d(6). Third, their repeated and continuous calls/hang ups are a violation of 1692d(5) which are designed solely to annoy, harass and oppress.[/FONT]
[FONT=Times New Roman][FONT=Times New Roman][/FONT][/FONT]
[FONT=Times New Roman]CHA CHING![/FONT]

they are a piece of work..
who do they say they are collecting for?

They claim a debt is owed to DirecTV.

The consumer feedback on internet about these guys is unreal. Not sure how they are able to keep growing when they get sued for FDCPA violations constantly. I guess their making more money collecting debts than they are paying out in settlements.

sadly, many do not know their rights and do not sue.

I went through almost the same thing with these jokers, and this seems to be common practice for them.

They would call me everyday and ask for my SSN (ya, let me go ahead and give that to you), but would never tell me what they were calling for, or even if they were trying to collect a debt.

My DV is in the mail, I haven't heard from them in about a week.

Now, go get 'em!

@Collect This - These clowns fold like a cheap suit in federal court, you should check out their litigation history. If they violate, I hope you'll consider going after them. A few FDCPA cases will not make a dent, but every consumer they violate would send a strong message.

Maybe your movie could be about consumers suing abusive debt collectors? That would be one heck of a good movie!

Ya, I've seen some stuff on their litigation history and they seem pretty pathetic.
I will not hesitate to go after them, we do need to send a message! (Plus since I'm still searching for funding for my film I thought it would be great to have the CA's fund it)

Unfortunately, most of these scumbags consider the $1000 FDCPA violation a standard business expense so we need everyone to stand up and send the message and work to get the FDCPA updated.

The $1,000 threshold is a joke, which is why I hit them hard on state law (at least in my state) that prohibits unfairt and deceptive business practices by collection agencies. This brings in both punitives and compensatory damages in where otherwise I would be limited to the $1,000 FDCPA violation maximum.

I received the same types of calls from them. They refused to tell my why they were calling until I verified the last 4 of my SS# with them. WHich I refused of course.
I did get the dunnin letter from them which I responded with a DV request.
a few weeks later, I received a package in the mail with duplicate copies of several years worth of American Express Statements. This package indicates nowhere that t was sent by them or as a response to my DV letter. But it is in reference to the account they are collecting for.
Does this constitute a valid response to my DV request since it does not indicate that it came from them or that it was in response to a DV request ? There is no demand for payment or FDCPA reference at all, just duplicate copies of statements.

hmmm.. usually when they send statements from the original creditor it does deem itself as a validation.
but i still do not trust this company, hang tight someone else will be on their way to give better information :)

Generally that might be deemed validation. However, what documents they send and the type of debt the are validating would help me better understand. For example, if the debt were an old credit card account within statute, they could validate by sending an old credit card statement. But I know that if they sue me they would need to produce copies of ALL statement, contracts, amendments and payments in order to win.

In short, they may have validated but depending on what they sent you I might send them a cease and desist letter and see what they do next.

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However, a quick google search of the address where the envelope came from does show that what I have received is from Nationwide. But I am still wondering if there is any loophole here since there is no mention of NationWide whatsoever on the envelope or inside of it ?

honestly it is up to you but i would consider that validation. i have settled with a company who has sent that to me.

I too believe that would constitute proper validation. If I were you, I'd call their bluff and send them a C&D. Nationwide is not known for filing suit against consumers. They are simply a 3rd party collection agency. If they do not cease collection activity after receiving your letter, you can sue them and be done with this matter.

Even if they sue you, they'd still need to have a rep from AMEX appear at trial and authenticate the statements (which never happens). If not, case dismissed!

So I called AMEX directly today and inquired about making payments again. One of the Reps I spoke with told me that my account is still in house with them and I can continue making payments to them against my balance. When the rep advised me this, I asked them about Nationwide Credit. He told me that Nationwide is their third party collector, but that my debt is still owned by AMEX.
I asked the AMEX rep what if I make payments directly to AMEX will Nationwide stop contacting me ? He replied by advising me that if they call, I can tell them that I am making payments with AMEX.
Does this sound legit ?

Yes, it does. I'd ask them to pull the account from Nationwide, before I started making payments directly.