Nationwide Credit

Here are other addresses including the one she gave you. That one is to their HQ.
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Look here as well.
http://www.ftc.gov/opa/1998/10/nationwide.htm

http://www.ftc.gov/os/1998/10/natcomplaint.htm

I doubt the lady in the collection office is making legitimate collections. Do not send anything unless you have the written proof of the debt account. She will insist you and your mother to send money using other scare tactics. Per the federal laws, the CA must send the details in writing within 5 business days after placing the first call. If they continue with their illegal collections, report them to the FTC and the state attorney general's office.

THANKS SO MUCH FOR YOUR REPLIES! This is really helpful, but now I'm unsure where to send the letter requesting debt validation. Should I use the headquarters address that the receptionist gave me, or the California address where I suspect the collector called from? Or does it matter?

It appears that Nationwide Credit has sent my mom a registered letter. She wasn't home today when it came, so she's going to pick it up at the post office tomorrow. After reading this message board, I am prepared for the worst. She has terrible high blood pressure, and I'm really concerned that dealing with debt collectors at her age is going to be highly detrimental. I'm trying to help however I can. I wish I had a lot of money to bail her and my dad out of all of these money problems!

Thanks again for answering my previous question. If there's a preferred address I should use, please suggest...

LisaT

Use the HQ address. That way they can't come back and say "Oh well, you should have sent it to ...". You will have aready sent it to HQ and if HQ can't do anything about it then you should start to file complaints.

there is always an initial demand letter that is computer generated and sent to the last address listed to the account. they letter is sent before the first call takes place.

In my experience, after you send them a DV, Nationwide (aka "NCI") sends you a partial printout of the alleged account from the OC. In our case, we sent them a C&D because they failed to include the entire account, including the specific costs in calculating the amount NCI said we owed.

They may have met the minimum requirements for debt validation, but they certainly didn't prove we owe what they claim we do.

Nationwide is a legit company. I worked for them April 2008 to June 2009 before they laid us off and sent business to India because oglf the recession. I was working at the GA branch. Now it is true that our systems actually generated the initial demand letter on it's on and we couldn't contact the person until that letter was sent out. If you didn't recieve that letter then simply request it and verify the address on file or provide your address. Also, a method used to verify if we have the right person is to verify the last four of the social security number ONLY. If that matches your mother then obviously they have the right person. To comment on the post that said "they couldn't validate the debt was something we owed" if the debt has your social on it then yes you owe it and it's YOUR job to fix it if there is a case of identity theft. It's not the agencies job to fix it their job is to collect the money so don't neglect the issue just because you got a call saying you owe a bill to T-Mobile and you never had a cell phone with T-Mobile. Check the social. One thing I noticed though is that you said the debt is your mothers? Ok now I don't remember the laws but in certain states they have laws where you can and CANT talk to the spouse, guardian, etc only. Being that your the DAUGHTER the rep isn't allowed to disclose your mothers information without your mothers permission unless you are handling her affairs because of her age in which you would have to fax over power of attorney aka POA. It's called 3rd party disclosure and they broke that rule. You can actually bring a lawsuit against them for doing that in which they end up paying the debt for you and giving you a little extra cash to keep it out of court.

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it dont matter what anyone say good or bad about the company people are so paranoid these days check your credit and keep it moving