On June 29, I was contacted by a gentleman calling himself a locater for the company Nationwide. He stated, "You are part of a litigation matter and I am prepared to deliver papers to your job unless you would like to make arrangements to clear up this matter. I stated, "What matter?" He stated, "On June 8, you received a payday loan and when the company tried to recoup the funds from your bank account they were unable too." I stated, "Who is the original company? Why haven't I received any mail or correspondence in regards to this debt?" He stated, "You can call (888) 566-5591 and provide a particular reference number and they can answer your questions. I am just the locater. I will call you back in 45min to see if you were able to work something out with them." I called the number and gave the reference#. The gentleman that answered told me I am transferring you to the person who is handling your account. A woman picks up. She provides me with the name of the original company and says, they deposited $300 into your account on June 8 and when they tried to collect the money they were unsuccessful. I stated, "Why haven't I received any paperwork in the mail? Can you provide me with a copy of the documents I signed? Can you give me something showing that this is my debt?" She stated, "I don't have any paperwork. The original company has that." I stated, "Ok. Can I have the contact info for the original company?" She stated, "I can not provide you with that. If you are not willing to rectify this matter, then we will deliver papers to you and you can fight it out in court." I stated, "Then I will wait for the papers."
The locater called back. He stated, "Were you able to get in contact with the company? I don't see anything in my records telling me to stop the process." I stated, "Yes, I spoke with them. I asked them to provide me with some paperwork and they would not." He states, "I am delivering the paperwork. But we are trying to work with you. Because after we deliver it then we can't help you at that point. So we are trying to give you a chance. I stated, "Well then deliver the papers." He stated, "What is the number to your security?" I stated, "What do you need that info for? He stated, "When I am delivering these types of documents, I have to have security escort me." I stated, "What if I work for a company that does not have security?" He stated, "What is your supervisors name and phone number?" I stated, "I am not giving you that." He stated, "I have the phone number and address to your job, I can get the info I need. I am trying not to go to that extent by giving you a chance to work this out." I stated, "Well, you will have to do what you have to do." We hung up.
Not even 10 min later, my boss comes to my office and tells me she just got a call from someone talking about he has some papers to deliver to me and he wants her and security to escort him to my office to serve them. He provided her with the same contact info he gave me to try and rectify this situation before he has to resort to these lengths. I explained to her the situation and that they were unwilling to prove that the debt was mine and he would have to deliver the papers before I pay a dime. She was in total agreement. After she left my office, I contacted (888) 566-5591 again and a gentleman answered and after I provided the reference#, he transferred me to the person who was handling my account. This time a gentleman answered and immediately started asking me what are my plans to clear up this account. The original amount that was given was $300. But with interest over the years and fees the total is $800. But I can take off that $200 if you pay this today? I stated, "I have no problem paying a debt that is mine to pay. Why can't you all provide me with some kind of documentation. Why after 7 years have I not received a letter or anything? You all call me out of the blue and tell me I am being taken to court. You are calling other people and telling them about this." He stated in an aggressive tone, "I don't know why the company has not sent you anything in regards to this, but we are handling it now." I stated, "Well fax me some paperwork. Send me something." He states, "So you are refusing to pay this debt." I stated, "I am not refusing to pay anything. I am more than willing to pay for a debt that is mine. But you all are refusing to provide me with any form of paperwork." He states, "The locater is delivering the papers and if you go to court, trust me you will be paying 3 times what we are asking for." I stated, "Then I will wait for the papers." We hang up.
I contacted my bank to confirm that I received a $300 credit around June 8. They informed me that I did not even have an account with them at that time. I opened an account with them years later. After hearing that, I asked if I could get that in writing. They told me to go in to the bank and speak to customer service. I then researched the original company Nationwide stated I owed. I found them and contacted them to try and get confirmation on this debt. They had my info in their system and they turned it over to another company. I informed them of Nationwide contacting me. They said, "That is not the company we turned over the info too. They gave me the contact info of the company they gave it too. I asked them if they had any of the original documents they could send me. They said, "No. They turned it over to the company they gave it to." I contacted that company (United Debt Holdings) and they had transferred it to another company and they gave me that companies info. I contacted that company (American Recovery Group) and informed them about Nationwide. They stated, "Nationwide is our sister company." I stated, "Can you verify the date the money was allegedly deposited into my account? Also, can you verify the full account number used to make the deposit?" After he verified that info, I stated, "That is funny, because I just confirmed with my bank that I did not open that account with them until years after the day you all are stating you deposited the money." He stated, "Well you will have to contact Nationwide about that."
I called Nationwide back and a gentleman answered. I informed him of the confirmation that I did not have the account during the time they are claiming they deposited this money, how do I dispute this? He states, "We have a locater delivering papers, it will tell you on the bottom what to do." We hung up. I waited hours for the locater to arrive at my job and he didn't. Maybe, he didn't have time to get to me because of all of those other deliveries. But that is ok. I will contact them on Monday and speak to another person who is supposed to be handling my account and see what their answer is going to be.
This situation has been on my mind every since this happened. So I searched for this company on the internet for hours until I finally found their contact info. Ironically, on another rip off report where that person received the same type of calls and same threats of delivering paperwork. Here is their contact info:
Nationwide ADR Collection Agency
3760 Calle Tecate
Camarillo, CA 93011
(855) 204-7722 (p)
(888) 566-5591 (p)
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