• Report: #376277

Complaint Review: Nationwide Collections

  • Submitted: Fri, September 26, 2008
  • Updated: Mon, September 29, 2008

  • Reported By:Hagaman New York
Nationwide Collections
805 Virginia Avenue-Suite 1 Fort Pierce, Florida U.S.A.

Nationwide Collections I was contacted by a letter from the Nationwide Collections, Inc. stating that I owed a debt to the Columbia House Record Company of $83.76. They stated that they are a debt collection agency which recently purchased the debt collections of Columbia House. I was told that unless they receive payment within the next 30 days, they are ready to consider the issue of legal proceedings immediately. Fort Pierce Florida

*Consumer Comment: Go to your bank or credit card

*Consumer Comment: easy

*Consumer Suggestion: Do NOT agree to pay the debit

*Consumer Suggestion: Start by LEARNING YOUR RIGHTS!!!!

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I am submitting this report as a Big Rip-Off. I was contacted by Nationwide Collections stating that I owed a debt to them of $83.76. Stated in the letter form Nationwide Collections, they informed me that they recently purchased the debt collections of Columbia House. I was informed that I had 30 days to dispute the debt collection or else they would consider legal proceedings in the county court.

They stated that I might also have to pay additional legal costs and also such judgment could make it difficult for me to obtain future credit. They urged me in my own interest to make payment in good time. They quoted me a record number and gave me several options on how I could pay off the debt.

Upon receiving this letter, I gave myself a day or two to cool down. I know that I haven't delt with Columbia House in more than 4-5 years. I proceeded to call the company with the numbers that were listed. Numerous times I was placed on hold for atleast 20-25 minutes. Finally, I called one day, was placed on hold, and immediately put my phone on speaker phone. I must have waited an eternity and was finally connected to a woman named Janice.

Janice was pleasant and courteous and told me that if she recieved the Record No. placed at the top of the letter she would check out the data that she had. Upon checking out the number I gave her, she told me that yes, I did indeed owe Columbia House a total of $83.79. It was supposedly an unfulfilled debt owed to them for not fullfilling my contract obligation to Columbia House (by the way - this stems way back to either 2003-2004). I informed her that I did fulfill the committment and she said do you have the confirming document. Of course, I didn't keep it. She told me she would extend my 30 day period another 3-4 weeks, if I wanted to go back and check my check stubs from that year to see if I had any verification of any checks written to Columbia House.

Please note for the record that I recently have moved to a new home after living at that residence for many years and after 35 years of marriage we did quite a bit of down sizing while making this move. I'm usually the pack rat and save everything but I'm not sure I saved my cancelled checks from 4-5 years ago.

I am literally sick over the situation that after all those years, I am hearing from a collection agency trying to recover a debt such as this. If this obligation to Columbia House was not met, as they are stating, why wasn't I contacted by Columbia House indicating so. Hmmm, most interesting.

Also, when purchasing my new residence, nothing was disclosed on the credit check indicating such a transaction. Hmmmm, again.

The letter that was sent to me by Nationwide Collections Inc. was also not on proper letterhead. It was a xerox copied sheet of paper with black/gray lines running through it like it was multi-produced to thousands.

Any suggestions on how to proceed?

Hagaman, New York

This report was posted on Ripoff Report on 09/26/2008 01:25 PM and is a permanent record located here: http://www.ripoffreport.com/r/Nationwide-Collections/Fort-Pierce-Florida-34982-5881/Nationwide-Collections-I-was-contacted-by-a-letter-from-the-Nationwide-Collections-Inc-s-376277. The posting time indicated is Arizona local time. Arizona does not observe daylight savings so the post time may be Mountain or Pacific depending on the time of year.

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Updates & Rebuttals

#1 Consumer Comment

Go to your bank or credit card

AUTHOR: Lenny - (U.S.A.)

If you paid by check or credit card to finialize your contract go to your bank or credit card company. They can go back many years now that everything is stored electornically and pull out that infomration. And make the colleciton agency send you a detailed bill of what you owe and on what.
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#2 Consumer Comment


AUTHOR: Stacey - (U.S.A.)

1. DO NOT talk to them on the phone
2. send a letter certified mail with return receipt with signature asking for validation of the debt
3. If no validation comes within 30 days then send a letter cease communications letter certified mail with a return receipt with signature
Make copies of everything and keep them for future reference
If they do not comply then that is their problem
Bottom feeder collection agencies will stop at nothing so fight back
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#3 Consumer Suggestion

Do NOT agree to pay the debit

AUTHOR: Nancy - (U.S.A.)

Do not agree to anything, or admit ot anything. There are statute of limitations, but if you agree to pay, the clock starts all over again. Tell them that you want them to send you proof of the debit, and you will check with your attorney. Do NOT agree to pay it.
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#4 Consumer Suggestion


AUTHOR: Laurie - (U.S.A.)

They count on you not knowing YOUR RIGHTS and the LAWS they are required to follow.

Many buy OLD debt that can no longer be collected and they will use underhanded tactics to scare you into paying

No Collection Agency can demand you make a payment or threaten legal action without validating the debt. (prove the debt is actually yours) It cannot be a bill from them it has to be official correspondence from the original creditor.



Was the number for Columbia a number provided by the collection agency? If it was - find the correct number and contact them directly.
The number they provided probably was someone they work with to back up the lies.

Never rely on any information you have received from a collection agency - they will say anything they can if it means getting you to pay.

Check your states statute of Limitations on Debt, there comes a time when legally they cannot sue you for payment any longer.

They will keep calling - but do a little research and learn how to fight back.

You can get templates for debt validation letters and cease communications letters to send via certified mail return receipt requested. Keep accurate records and even get a recorder for your phone - check your state laws about whether you have to inform them they are being recorded.

You can actually sue them for violating the FDCPA laws.
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