678-293-9696

Indian Suspected Spammer as per AT&T Connect/HiYa app.
https://myaccount.ncirm.com/default.aspx
3 out of 3 CS agents answer with Indian accents. Perhaps legitimate, but sadly anyone calling from India (or Nigeria) is automatically suspect.

What is even more interesting is that they claim to be in Iowa, yet their BBB page says they are in Georgia.  I haven't finished my report on them yet, but in the meantime:


It is incumbent upon them under the law to prove that the debt exists and that you owe it, and (this is the important part) that they have the legal right to collect it.  You are not obligated under the law to prove that you don’t owe or that it is paid.  

Federal law (FDCPA) requires them to send you a letter (US MAIL ONLY) postmarked within 5 days of their first contact that contains their name, physical address, the creditor’s name, and the amount of the alleged debt. It also must contains “mini-Miranda” telling you that it is an attempt to collect a debt and that all information will be used for those purposes.  The one other important thing that this letter must also have in it is that you have a right to dispute the debt within 30 days of receipt of the letter and if you do so, all collection activity must be stopped until the debt is verified.

First, you should make a complaint at this Federal Agency, and while there you should also read up on how debt collection is supposed to work as well as what your rights in this matter are: https://www.consumerfinance.gov/

Also file a complaint with your State Attorney General's office.
List of State AG’s offices:   https://800notes.com/faq/attorney-general

You need to send them a certified, return receipt debt validation (by law they have to go back to the original creditor to prove you owe the debt), cease and desist calling, or "not me" letter (this will be the best money that you have ever invested).  Also send it first class mail in case no one will sign for it.  Make a notation of that fact at the bottom of the letter.  You also need to report them to the proper agencies to which I have provided links to.  Then you need to go out and get a consumer lawyer to sue them on a contingency basis (no money out of your pocket) and let them pay you for the harassment.  If everyone did these three things, these crooks would be bankrupt and we would all be the richer for it.  Use these web sites to find an attorney in your state that will probably take the case on a contingency basis (no money out of your pocket up front):  http://www.consumeradvocates.org/
http://www.consumeradvocates.org/find-an-atto ... tates_value=All

Everything else you need to know follows including at least two agencies where you should report their criminal activities.

NATIONWIDE CREDIT, INC.
Number threads associated with these crooks:  https://800notes.com/Phone.aspx/1-630-528-5158#p1209144294904422963
https://800notes.com/Phone.aspx/1-404-334-3372
https://800notes.com/Phone.aspx/1-404-410-7449#p1209712967915223646
https://800notes.com/Phone.aspx/1-678-293-9696#p1264543700612184967

Website says they are in Iowa:  https://www.ncirm.com/Home/ContactUs.aspx
BBB gives them an accredited A+ but lists them in Georgia:  https://www.bbb.org/atlanta/business-reviews/ ... ga-6231#bbbseal
Bloomberg lists all the head felons:  https://www.bloomberg.com/research/stocks/pri ... privcapId=31905
Looks like the FTC brought a case against them (note that it wasn’t mentioned on the BBB page):  https://www.ftc.gov/enforcement/cases-proceed ... e-credit-inc-us
Georgia Dept. of State info:

Business Name:    NATIONWIDE CREDIT, INC.    Control Number:    K009824
Business Type:    Domestic Profit Corporation    Business Status:    Active/Compliance
Business Purpose:
Principal Office Address:    1000 Abernathy Rd Ste 200, Atlanta, GA, 30328-5604, USA    Date of Formation / Registration Date:    5/23/1990
State of Formation:    Georgia    Last Annual Registration Year:    2017

Registered Agent Information
Registered Agent Name:    CORPORATION SERVICE COMPANY
Physical Address:    40 TECHNOLOGY PARKWAY SOUTHSUITE 300, Ben Hill, NORCROSS, GA, 30092, USA

Officer Information
Name    Title    Business Address
Maurice Rico    Secretary    1225 W Washington St, Ste 301, Tempe, GA, 85281, USA
Arindam Bose    CEO    1225 West Washington St., Suite 301, Tempe, AZ, 85281, USA
Arindam Bose    CFO    1225 West Washington St., Suite 301, Tempe, AZ, 85281, USA

Other complaints:
https://www.complaintsboard.com/complaints/nationwide-credit-inc-c114016.html

Looks like they were sued for illegal practices (what a surprise!):
http://law.justia.com/cases/federal/district-courts/FSupp/998/642/1657908/
https://casetext.com/case/good-v-nationwide-credit-inc
https://www.pacermonitor.com/public/case/2241 ... wide_Credit_Inc
http://www.dinsmore.com/experience/graessle-v ... et-al-s-d-ohio/


It is incumbent upon them under the law to prove that the debt exists and that you owe it, and (this is the important part) that they have the legal right to collect it.  You are not obligated under the law to prove that you don’t owe or that it is paid.  

Federal law (FDCPA) requires them to send you a letter (US MAIL ONLY) postmarked within 5 days of their first contact that contains their name, physical address, the creditor’s name, and the amount of the alleged debt. It also must contains “mini-Miranda” telling you that it is an attempt to collect a debt and that all information will be used for those purposes.  The one other important thing that this letter must also have in it is that you have a right to dispute the debt within 30 days of receipt of the letter and if you do so, all collection activity must be stopped until the debt is verified.

First, you should make a complaint at this Federal Agency, and while there you should also read up on how debt collection is supposed to work as well as what your rights in this matter are: https://www.consumerfinance.gov/

Also file a complaint with your State Attorney General's office.
List of State AG’s offices:   https://800notes.com/faq/attorney-general

As well as the Georgia AG:     http://law.ga.gov/

As well as:       http://consumer.georgia.gov/consumer-services