Nationwide Credit Corporation (NCC) is a third-party collection agency based in Virginia that specializes in collecting delinquent debts for healthcare providers. NCC has received consumer complaints alleging violations of the Fair Debt Collection Practices Act (FDCPA) such as using illegal communication tactics and attempting to collect debts not owed. If you have been contacted by NCC, understand your rights before taking action.
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Is Nationwide Credit Corporation a scam?
According to the Better Business Bureau (BBB), Nationwide Credit Corporation was founded and incorporated in Virginia in 1970. The BBB established NCC’s profile page in 1995. NCC is listed as a collection agency that uses the alternate business name, N.C.C. Services. Buzzfile estimates NCC’s annual revenue at $8.8 million and the size of its staff at 90 people.
According to its website, Nationwide Credit Corporation “is one of the largest and most respected collection agencies in the Mid-Atlantic region.” NCC’s stated mission is to “accelerate…clients’ cash flow cycle… to create a long and mutually profitable relationship.”
Nationwide Credit Corporation primarily serves clients in the healthcare industry. NCC’s affiliate, “Health Care Associates, Inc. (HCA) provides a broad range of business office services to healthcare providers, ranging from Early Out Programs to Special Projects.” In addition, “HCA representatives are specifically trained to service healthcare clients.” HCA offers pre-collect billing services, insurance outsourcing, payment monitoring, and computer conversion support.
In addition to healthcare, Nationwide Credit Corporation also provides collection services for clients in “retail, commercial, telecommunications, financial, education, government, and utility” industries. NCC’s full-service collection division offers 1st party collections, contingency collections, letter services, credit reporting, skip tracing, retuned check recovery, and legal services.
NCC’s website is client-facing and does not provide site visitors with a Consumer Resources page. They do indicate membership in several professional associations, including the American Association of Healthcare Administrative Management (AAHAM) and the Association of Credit and Collection Professionals (ACA International), but there is no information about compliance policies or training. The payment portal provides a state-specific legally mandated legal disclosure, but there are no links or references to consumer protection laws or enforcement agencies.
The BBB has closed 8 complaints against Nationwide Credit Corporation in the past three years, with 1 closed in the past 12 months. All of those complaints allege problems with billing and collections. Since March 2015, the Consumer Financial Protection Bureau (CFPB) has received 22 complaints about NCC. Justia lists at least 5 cases of civil litigation naming Nationwide Credit Corporation as a defendant.
Absolutely. Here are some Sample Cases against Nationwide Credit Corporation.
In November 2015 in the United States District Court of Appeals for the Seventh Circuit, a judge issued an Opinion in a case alleging Nationwide Credit Corporation had violated provisions of the Fair Debt Collection Practices Act (FDCPA). In this case, the plaintiff had received medical care. The plaintiff’s medical provider submitted a claim to his insurance company, but when the insurance company asked for additional information, the healthcare provider failed to respond. As a result, the claim was sent to NCC for collection. NCC allegedly contacted the plaintiff by phone, and the plaintiff told NCC that his insurance should have paid the bill. The plaintiff mailed and faxed a letter to NCC disputing the debt. Two days later, the plaintiff received a letter from Nationwide Credit Corporation informing the plaintiff that it was “extremely important” for him to pay the debt in full. The letter also stated that collection activity would continue if he didn’t, and that NCC would report a negative item on his credit report. The plaintiff contacted Nationwide Credit Corporation and demanded that they acknowledge that he had disputed the debt. He also contacted the healthcare provider and requested that they seek payment from the insurance company. The insurance company agreed and informed the plaintiff they would take his account out of collections. The plaintiff notified NCC about this communication. Regardless, NCC subsequently sent a letter to the plaintiff requesting payment. The bottom portion of the letter acknowledged the plaintiff’s dispute, but asked for additional information and included the statement, “this communication is from a debt collector attempting to collect a debt and any information obtained will be used for that purpose.” The plaintiff in this case charged that the letter violated the FDCPA because it constituted collection activity on an account that had been disputed and that NCC had been notified was no longer in collections. Nationwide Credit Corporation attempted to have the matter dismissed by claiming that it was the result of a bona fide error. The court disagreed and found in favor of the plaintiff.
Nationwide Credit Corporation
5503 Cherokee Ave., Suite 100
Alexandria, Virginia 22312
Telephone: (703) 776-9260
Understanding Your Debt Collection Rights
The Fair Debt Collection Practices Act (FDCPA) and the Fair Credit Reporting Act (FCRA) are federal laws that regulate the collections industry. The FDCPA prohibits actions such as using tactics intended to harass, oppress, or annoy consumers. The FCRA regulates how collection agencies report information to credit reporting agencies. Additional consumer protection laws include the Consumer Financial Protection Act (CFPA) and the Telephone Consumer Protection Act (TCPA). These laws are enforced by federal agencies such as the Federal Trade Commission (FTC) and the Consumer Financial Protection Bureau (CFPB). The complaints above illustrate why it is important to understand your rights and responsibilities under these laws when you are attempting to communicate with collection agencies.
In addition, these laws provide individuals with a means to seek monetary damages in court. For example, the FDCPA allows consumers to recover damages of up to $1,000, plus attorney fees and court costs, in cases proving violations of the FDCPA. Seek legal assistance if you are trying to resolve a dispute with a collection agency.
Your debt harassment checklist:
- You are receiving multiple calls per week from third party collection agencies
- You are receiving early morning or late night calls from debt collectors
- You are recieving calls at work from a debt collection agency
- Debt collectors are calling your friends, neighbors, or coworkers
- Collectors are threatening you with violence, a lawsuit, or arrest
- A debt collector attempts to collect more than you owe
- You are being threatened with negative credit reporting
- A debt collector attempts to intimidate you
- Criminal accusations are being made towards you
- Use of obscene language during an attempt to collect
- Automated robocalls are being made to your phone in an attempt to collect
If you’ve been harassed by debt collectors and even one of these has happened to you, we can help. We will fight for your rights.
The Lemberg Law legal team is committed to holding debt collectors accountable, so complete our form for a FREE case evaluation, or call 844-685-9200.
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