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Nationwide Credit Inc / Collection practices

1 United States Review updated:

Unknown to me this agency has taken over an american express account I have. They now appear to be calling third parties ( relatives for example) and discussing the reasons of the call ( debt for amex) with the third party -revealing private information with out permission or verification of who is actually answering the phone - in an effort to get info on me.

They have my home, work and cell numbers and while we get incoming calls that are blocked ( so we cannot tell who is calling) which we do not answer - they have never left a message or sent any info in the writing indicating they are trying to reach me. Now they are calling third parties as well as my wifes place of work.

I do not dispute the debt - but the statements stopped coming to the house and I have never received any materials indicating the actual amount owed - I will not simply send funds without a itemized statement.

In researching this firm it appears they were fined for some of the practices detailed above ( calling third parties / calling work place etc)

I do not have a huge debt with Amex ( @ 4, 000) and am shocked that they would contact third parties in this way. Am I correct that this is what they were fined for?t Thoughts ?


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  • Gl
      3rd of Dec, 2008
    0 Votes

    you are not aone. i have amex cards as well and the same just happened to me. they called me at work and immediately put notice into their "system" not to call me at work. however, the woman i spoke to refused to tell me who she was representing even after my insistance. finally she did and even went as far as to tell me what my monthly amex payment was and asked if i knew how long it would take to pay the balance off at the $58 dollar minimaum. i never to date got any communication from amex or from this nationwide company. i told her i wanted to pseak to amex first and she agreed my wanting to call them but that she better hear back from me by the next day. since then she's called me 3 times in one day. i told her i wasn't paying a dime to her comapny until they sent me something in writing. meanwhile, my account is not delinquent and the only payment that was late was november 2008 and that was by 8 days. i just went onto amex website and made my december payment to amex and they accepted the payment. is what they are doing legal? sounds like law breaking to me. by the way, i checked my credit report too and sure enough, there is a posting on my report rom this company. now what do i do???

  • Gl
      3rd of Dec, 2008
    0 Votes

    by the way, my debt with them isnt even as big as krax! mine's only $ 2800!!!

  • Mo
      7th of Feb, 2009
    0 Votes

    If you think that is bad this company nationwide got my info from AMEX. They wrote a check without my permission and took my rent and food money for the week. I also have the same complaint; I have gotten nothing in writing from them. They call me at 7am in the morning. Even when I ask them 3 times not to call they call. My dept is only $3500. I don't need this stress. I am pregnant with two children under 2. Now I have to try and get my money back. Someone has got to stop them. What do I do?

  • St
      13th of May, 2009
    0 Votes

    Yesterday I got a call, and they left an ugly message without verifying that it was the correct name, or address. When I called back, the person, Jeremy, wouldn't give me specific info until I verified MY IDENTITY!

    My payment to Am Ex was not even late. I think that Am Ex should be held accountable for turning debt over to a known abusive collector. Am Ex. now tells me that they are going to take the account back from Nationwide, but I haven't been to work since yesterday, so I don't know whether or not they have already destroyed my reputation there. I am an administrator at a hospital.

    Why is the FTC allowing this company to continue these practices? In the current economy, these practices represent the kind of stressors that are effecting people's health.

  • Ca
      21st of May, 2009
    0 Votes

    I am undergoing the same situation. I held an Amex Blue Card account and after being delinquent 3 months, Amex gave the account to Nationwide Credit for an amount after they jacked up the interest rate and tacked on all these fees turned into $5900 and spare change. Amex by far was both deceptive and predatory, but now with NCI involved, this seems outrageous. They have employed deceptive tactics on me and people I have known, including trying to call somebody I now longer deal with trying to get my "emergency contact" information. On top of that, they never leave me any information other than they want me to call back to give them my "location information". Eventually I answered a call from a so-called professional and she did not follow California Business Code, Section 6077.5, in which she has to identify herself. She eventually wanted to argue with me about a payment plan and I have no real income by which to maintain a plan. She also insisted that I use my Unemployment Insurance Compensation to pay Nationwide and I told her that it was not the intended purpose of any UI compensation. She would not hear of anything else and I had to tell her how unprofessional she was and after I requested to speak to her supervisor about her unprofessional conduct, she put me on hold and kept me there. I wound up hanging up.

    The last time I had to tell a collector this, I had to remind that collector of California Penal Code, Section 31, which defines what Fraud is in California and that if found guilt of such is a felony. At this point, I am wondering if there is a class action suit against Amex and Nationwide Credit and if so, who can I contact? Any information regarding such would be immensely helpful and greatly appreciated.

    It's also bad enough for Amex that they had to turn themselves into a bank so that they could cash in on TARP funds last Fall, but to resort to bully tactics and coercion is too much.

  • Wi
      21st of Jun, 2009
    0 Votes

    The FTC fined them $1 million (twice) for this, however they are stealing so much from people that they are willing to pay other token fines from the government. Organized crime works by bribing our elected officials to not enforce our laws.

  • Ja
      21st of Jul, 2009
    0 Votes

    Let's do a class action suit - this is happening to me now and they just snatched supplementary funds from my account without my authorization when I already had a different set agreement with them. This is ridiculous. This falls under the "unfair practices" violation of collections law. I am not taking this lightly what so ever!

  • Ol
      30th of Jul, 2009
    +1 Votes

    My wife and I hit hard times about three years ago with medical bills and the loss of my job. We saw the writing on the wall and decided to take action and joined Clearpoint debt reduction to negotiate with our 4 creditors one of which is Amex. We have a direct withdraw from our checking account to Clearpoint who then sends agreed amounts to each debt. Last month after nearly 4 years of payments (never missed a one), we hit a snag with additional medical costs, and had to skip one payment to the program. Clearpoint contacted, as did I every one of the four accounts and have been assured that we are stilll in the debt program. Our Amex is nearly paid off, less than $600 hundred left. We sent an additional amount with July's payment to close the account and remove this from our ledger. Amex has indicated that we have completed the program and in two more cycles the results will be posted. In the mean time I am getting calls from Nationwide Credit Inc, telling me that we owe $10, 000. +, and they want the money now! I have no idea why they have this account. We have contacted Amex and they state we are ok. However, I keep getting these calls, in fact one this morning. Their treatment is foul, they treat you like you are a liar! My wife and I have been faithful to this program and are at the near end of owing anything to creditors. It really freaks me out to think that this company will somehow destroy our remaining credit by posting their false claim to this account. What can I do? I am currently in contact with Clearpoint and they are trying but this sure is a tangled web that seems to get more tangled every day.

  • Na
      15th of Sep, 2009
    0 Votes

    Can they put you on a continual every 10 minutes call to your cell phone? Is this legal and fair practice? This is happening to me if I'm 5 days late. I called them and they said they will do so until I make arrangements of payment. When I caught up, that day, they called every 10 minutes for 36 hours because they said it takes that long tot get it into the system to take the calls off. Is this true? They did demand I prove to them who I was, even though they called me. I said I wouldn't give anyone information over the phone. I was treated rudely over my rules of not giving out my personal information tot a perfect stranger. Isn't every ten minutes considered harassment?

  • Ro
      8th of Oct, 2009
    0 Votes

    The same here. I missed a 2 months on the payments due to financial hardship. Did not get any letters or calls from Amex. Out of the blue, this company calls me and wants a return call back. I'm glad i found this board, helps alot.

    Did anyone try to settle with Amex for less?

  • Rk
      2nd of Feb, 2010
    0 Votes

    I very much would like to settle also and have an account with AMEX which NCI is handling.

    I have a feeling things are not going to go well anymore even though I have not missed a single payment in 14 months. This past month, NCI changed its POBox address without informing me. They of course have not received their Jan 2010 payment and have started harrassing me via phone at all times of the day. I cannot seem to get it through their heads that it is THEIR fault that they changed their address without informing me and now the Jan 2010 check is LOST in the mail. I do not have money for fees to stop payment, etc, so I will have to wait 90 days to get refunded this money. In the meantime, NCI will continue to harrass me and threaten me that my account is being sent "away". I have diligently paid them every month, and this is the treatment I receive. I am very happy to have found this board to vent...thanks to all who have added their stories here.

  • La
      22nd of Feb, 2010
    0 Votes

    I am getting calls for a 1-800 at odd times of the night, and all day. I am in litigation with Direct TV for funds they charged me that I do not owe. But, it takes time to go through the Attorney General and so NCI is harrassing the hell out of me in the meantime.

  • Pa
      22nd of Feb, 2010
    -1 Votes

    I owe $8, 300 to amex and stop paying because these past year we have financial hardship sick, hospital, one property was not renting because the tenant buy a house and was not easy to rented again because the houses went down on value, well it has not been easy we lossed money to repair the house and 3 months rent, plus expenses on the hospital and loss days at work.

    All of these got me behind on my AMEX card request a financial hardship did not approved and send me to charged off, then this GC Services Collection agency took the account, they try for a few months but can't ge any money out of ous and stop for a few months then my husband received a phone call from NCI Nationwide Credit Inc, harrassing him at work, a few days untill they told him he needs to pay it or he will be in trouble, he said I told you I don't have any money and the guy said can you at less give $100 my husband just to stop the conversation said probably, that was the worst thing he said. He assumed it was a YES and beging charging a post dated check every 29 from my checking account, which we don't have any idea how they get the routing number.

    We already had a year of not paying AMEX there is a 4 year so they can not collect the money by law or sue you and now we going to start again from cero, and how are we going to stop this NCI Collection to stop charging money from my bank?

  • In
      12th of Apr, 2010
    0 Votes

    Stop letting these people stress you out! Google Cease and Desist letters and send one to them. Then they have to stop calling and harassing you. Make sure you send it with a return receipt requested so they can't say they never got it.

    Don't ever give out your account information. They will clean you out. They will never only take out what they say. If you agree to send them something, send a money order.

    Get settlement offers in writing. If it's not in writing, it's not true!

    Last but not least - Unsecured credit goes to the bottom of the list! Take care of your basice needs first - ALWAYS!

    For further information - check out Dave Ramsey!

  • Ja
      6th of Dec, 2010
    0 Votes

    My car note wound up in the hands of this company. I had 3 payments to make and the car was paid off. I received threatening calls telling me they were scheduling to have my car picked up. I made payment arrangements with them for 2 of the 3 payments and they sent me a notice that they were going to take the 3rd payment. I called them to tell them when it would be better to take the payment so as not to overdraw the account. I was assured that this would take place at the newly agreed-upon date. They took the payment when they said they would and overdrew my account. I was furious. Now that the car is paid off, I demanded my title. I was told that I would have to wait 45 days to receive it. It was their policy.

    It's a good thing I don't live in Kennesaw, GA.

  • Ve
      22nd of Dec, 2010
    0 Votes

    NCI has left messages on my phone with computer voice named Mary Jones. When I called and asked for her I got 4 different Indian men that I could not understand. One sounded like he was talking through a soup can attached to a string! After getting their names and company address I agreed to give them my last for numbers of ss number which they said did not match whom they are looking for. This is when I was not very friendly to them because I knew I had no debt. I wasted an hour of my life defending myself for a debt that was not mine! In the USA I know I am innocent until proven guilty. This company owes me!

  • De
      3rd of Mar, 2011
    0 Votes

    I too have made a payment to Nationwide in 3/2009. I still get calls from other collection agencies requesting payment for the same account that was paid. They never submitted my payment for my AMEX account! I have tried to contact Nationwide with no avail!

  • Ke
      15th of Apr, 2011
    0 Votes

    WOw! I'm so glad I found this board. They somehow got my work phone/work cell phone numbers and have been incessantly calling, embarrassing me in a new place of employment! They are pushy, hard to understand--the 2 I had to speak with were in their office in India. THe whole thing seemed fishy to me so I told them I would not give them my checking account number over the phone and wanted my payment arrangement/agreement in writing mailed to me. He kept angling/yakkin trying to get me to do it and I refused. He kept me on the phone even when I said I was at work, had no privacy, in a new job after 3 years of 3 layoffs, et etc etc. So today he sent an email asking for me to send checks to their office in PA. I'm still not going to do it after reading these comments. I've never heard of them before, nothing in the mail, I only owe 600.00 and will gladly pay it now that I am finally able to, but not to these folks! I think the cease and desist letter is a good idea and go back to the original place I have the debt with-not these annoying people!

  • Ir
      15th of Apr, 2011
    0 Votes

    Just say the 4 words "Cease and Desist disoute" send it certified. By law all calls will stop and this company has 30 days to produce the itemize bill for you. Good Luck!!

  • Am
      11th of Jun, 2011
    0 Votes

    well you act surprised to hear that a collection agency is calling you.. i mean hello American Express tried to collect the debt before they send it out to an outside agency and obviously they need to hunt you down and call your family and get what they can on you because it sounds like you've been avoiding you say you have no problem paying the amount owed yet you say you haven't paid because you stopped receiving your statements? now what if your electric bill was due on the 15th of every month and you received the bill around the first of every month, now lets say what if it was lost in the mail would you simply not pay it because it didnt come in? does that honestly count as a reasonable excuse? I think not... Amex has tried contacting you and it just sounds like a refusal to pay... how about you stop whining and cough of the 4k

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