Prepaid card -- Unexpected or other fees -- Complaint #15365650
Complaint Overview
Complaint ID: 15365650
Company: Nationwide Credit Corporation
Product: Prepaid card
Sub-Product: Government benefit card
Issue: Unexpected or other fees
State: Maryland
ZIP Code: 21213
Date Received: 2025-08-18T12:00:00-05:00
Date Sent to Company: 2025-08-19T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
On or about XX/XX/XXXX, I discovered a Nationwide Credit Corporation ( NCC ) collection for {$1100.00} on my credit reports. The tradeline shows Opened XX/XX/XXXX and lists NCC as the original creditor, which is inaccurate because NCC is a third-party debt collector. I never authorized or opened any account related to this debt. Actions I took when i Filed an FTC Identity Theft Report and gathered proof of identity and address. Sent NCC a debt validation/direct dispute by certified mail, requesting the signed contract, itemized accounting, and chain of assignment. NCC did not provide proper validation and continued reporting. Disputed the collection with all three credit bureaus. Experian deleted the collection ( as of XX/XX/XXXX, my Experian file shows XXXX collections ). Equifax and TransUnion have not deleted the item and did not provide a proper Method of Verification showing how it was verified. Equifax and TransUnion are continuing to report an unverified, identity-theftrelated collection despite receiving my FTC report and disputes. NCC is reporting and/or furnishing information without mailing complete validation. The ongoing reporting has negatively affected my credit standing and ability to obtain credit on fair terms. Equifax and TransUnion to block and delete the NCC tradeline and provide the Method of Verification used in their reinvestigations. NCC to cease collection and delete the tradeline unless it can produce admissible documentation proving I authorized the account. Written confirmation from all parties and prevention of any re-insertion absent certified documentation. Documents I can provide FTC Identity Theft Report, proof of identity/address, copies of my dispute letters and certified-mail receipts, Experians deletion screenshot, and any responses received.
Frequently Asked Questions
What is Complaint #15365650 about?
Complaint #15365650 was filed against Nationwide Credit Corporation regarding Prepaid card specifically about Unexpected or other fees. It was received by the CFPB on 2025-08-18T12:00:00-05:00.
How did Nationwide Credit Corporation respond to this complaint?
The company responded with: "Closed with explanation". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Prepaid card) and describe your issue in detail.
Can I see other complaints against Nationwide Credit Corporation?
Yes, visit the Nationwide Credit Corporation company profile at readthecomplaint.com/company/nationwide-credit-corporation to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.