Nationwide Credit Corporation, which uses the initials NCC, is a collection agency in Alexandria, Virginia. If it contacts you, a creditor has placed an unpaid account with it for collection.
- Type
- Collection agency
- Also known as
- NCC
- Headquarters
- Alexandria, VA
- Website
- nccarm.com
80 debt collection complaints were sent to the Consumer Financial Protection Bureau about Nationwide Credit Corporation from November 13, 2023 to November 12, 2026. A complaint is a consumer's account, not a finding that the company broke the law. Read the complaints in the CFPB database.
Who Is Nationwide Credit Corporation?
Nationwide Credit Corporation is a collection agency whose letters carry the initials NCC and give its address as 5503 Cherokee Avenue, Alexandria, Virginia. Its website, nccarm.com, also uses the name "Full Cycle Recovery Services." Connecticut's Department of Revenue Services publishes a sample NCC collection letter in the collection-agency section of its website. That sample identifies the sender as a debt collector, lists office hours of 8:30 a.m. to 5:00 p.m. Eastern, Monday through Friday, says calls are recorded or monitored, and directs online payments to paynccarm.com.
Don't confuse this company with similarly named collectors, such as Nationwide Credit & Collection or Nationwide Credit, Inc. They are separate businesses. Check the address on your letter.
Why Nationwide Credit Corporation May Be Contacting You
NCC's sample letter says the balance "is marked unpaid on the creditor's records and sent to us for collection," and it lists each creditor, the creditor's account number, a service date and a balance. In other words, NCC typically works as an agent for the creditor rather than as the owner of the account. The creditor named in your letter is the business you would need to contact to confirm the charge. The sample is a 2017 template, so wording on a current letter may differ.
How to Check a Debt Nationwide Credit Corporation Says You Owe
A letter that lists a service date points to a bill for something you used, so start with your own records of that service.
- Read the validation notice. Under current rules it must identify the creditor, itemize the debt from a reference date and state your dispute deadline (15 U.S.C. § 1692g; 12 C.F.R. § 1006.34).
- Dispute in writing within the validation period if anything is unfamiliar, and request the original creditor's name and address. NCC must pause collection until it sends verification.
- Look at the service date and amount. Compare them with your statements, bank records or insurance explanations of benefits.
- Watch for added charges. NCC's sample warns that the total may grow from interest or other charges allowed by the creditor's agreement or by law; ask which agreement or statute allows any increase.
- Consider timing. In Texas, most debt suits must be filed within four years (Tex. Civ. Prac. & Rem. Code § 16.004), and debt buyers may not sue on time-barred consumer debt (Tex. Fin. Code § 392.307). Other states differ.
What Nationwide Credit Corporation Can and Can't Do
NCC is a debt collector under 15 U.S.C. § 1692a(6) when it collects consumer accounts for creditors. Points to keep in mind:
- It may call only between 8 a.m. and 9 p.m. your local time unless you agree otherwise (15 U.S.C. § 1692c(a)(1)).
- Regulation F caps call attempts at seven in seven days per debt (12 C.F.R. § 1006.14(b)(2)); see our summary of Regulation F's call, text and email limits.
- It may not charge a fee to take a payment unless the agreement or law expressly permits it (15 U.S.C. § 1692f(1)).
- You can tell it in writing to stop contacting you; after that, it may write only to confirm it is stopping or to notify you of a specific action (15 U.S.C. § 1692c(c)).
We did not find a CFPB enforcement action against Nationwide Credit Corporation. If NCC's collection conduct concerns you, see our Texas FDCPA attorneys page.
We Sue Debt Collectors That Break the FDCPA
Texas Debt Law files Fair Debt Collection Practices Act lawsuits against debt collectors in federal court for consumers in Texas, California, Illinois, Georgia and Colorado. If Nationwide Credit Corporation or anyone collecting for it harassed you, misstated what you owe, threatened action it could not take, or told others about your debt, you may have a claim. A court can order a collector that violated the FDCPA to pay your actual damages, up to $1,000 in additional statutory damages, and your attorney's fees and costs (15 U.S.C. § 1692k(a)). An FDCPA claim generally must be filed within one year of the violation (§ 1692k(d)), so keep your letters, call logs, voicemails and screenshots, and talk to us early. Texas residents may also have claims under the Texas Debt Collection Act. Learn more from our FDCPA attorneys.
Free FDCPA Case Review(214) 851-2250
Or start your free case evaluation online. No lawyer can promise a result; every claim depends on its facts and proof.
Sources
- Nationwide Credit Corporation: home page
- Connecticut Department of Revenue Services: sample Nationwide Credit Corporation collection letter (PDF)
- CFPB enforcement actions list
- CFPB Consumer Complaint Database: Nationwide Credit Corporation, debt collection
This profile is general information compiled from public sources, not legal advice, and it does not state or imply that Nationwide Credit Corporation has violated any law. Company details change; tell us if something here is out of date.