Nationwide Acceptance Collection NAC Complaints? We Stop Calls and Harassment.

We help consumers who have complaints about collection harassment.

Updated on Author: Sergei Lemberg

Updated on Author: Sergei Lemberg

Nationwide Acceptance LLC Inc or NAC is a subprime auto lending company, which receives a lot of consumer complaints to our law firm for debt harassment. Find out who they are, why they might be calling, and how you can stop them.

What is Nationwide Acceptance – NAC?

Nationwide Acceptance LLC (f/k/a Nationwide Acceptance Corporation) (Nationwide) is a third-party subprime auto loan company based in Illinois. Nationwide has received consumer complaints alleging violations such as improper billing, communications, and credit reporting. If you have been contacted by Nationwide, make sure you understand your rights before taking action.

According to its website, Nationwide Acceptance “is comprised of a group of companies that has been providing quality financial services to consumers and businesses since 1954” and it is a wholly owned subsidiary of Prospect Capital Corporation, a publicly traded company. The Better Business Bureau (BBB) website states that Nationwide registered as a Delaware LLC in 2013. The BBB opened its file on the company in 1966, and it lists Nationwide as a consumer finance company.

Nationwide’s website informs site visitors that “Nationwide is one of the most reputable and reliable independent subprime auto lenders in the country.” Its businesses include personal loans, automobile retail sales financing, collection services and bulk purchases of contract receivables” and serves customers in 26 states. Nationwide provide customers and dealers with “unparalleled personal service” and has “developed special loans for people who have yet to establish a good credit record or need the chance to re-establish one.”

Nationwide Acceptance’s website provides information for car dealers and car buyers. Its dealer pages inform site visitors that Nationwide has been making subprime auto loans since 1954. Dealers that work with Nationwide have access to “the most flexible auto financing guidelines available anywhere.” They enjoy “accessible, responsive and committed” service as well as “quick approvals and funding.” Dealer forms are available online and more information about Nationwide’s dealer services is available by contacting a regional dealer representative.

The car buyer pages assure site visitors that Nationwide “recognizes that situations sometimes occur that make it difficult to make payments on time.  Its dedicated team of collection professionals is here to assist customers.” According to Nationwide, many times it can “work out arrangements” to get customers “back on track” to pay their loans on time. Nationwide also provides a “customer center” with a “payment and an online information center”that allows customers to make payments, check their account balances, obtain payoff quotes, manage their accounts or access educational resources. The FAQ page answers questions about account access, payments, insurance, payoffs, and credit reporting.

Nationwide Acceptance’s website does not provide a lot of detailed information about its business practices or compliance policies. It does include a link to Nationwide’s “Fair Lending Manual” and standard, legally mandated information about information privacy and security


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The BBB has closed 2 complaints against Nationwide Acceptance in the past three years, with 1 closed in the past 12 months. Most of those complaints allege problems with billing, collections and customer service, although the details of the complaints are not available online. Some consumers also allege improper credit reporting and problems with getting the company to remove negative credit reports that resulted from identity theft or fraud. Since December 2013, the Consumer Financial Protection Bureau (CFPB) has received 42 complaints about Nationwide and continues to list them under Nationwide Acceptance Corporation.

How many complaints are there against Nationwide Acceptance LLC – NAC?

Absolutely. Here are some Sample Cases against Nationwide Acceptance LLC.

According to information available from the BBB and the CFPB, complaints against Nationwide Raise problems with billing, collections, customer service, and credit reporting. The 7 negative reviews on Nationwide’s BBB profile, several of which describe Nationwide Acceptance as “the worst finance company ever” with the “worst customer service”, support these allegations.

In October 2016, a complainant indicated that Nationwide Acceptance took advantage of his misfortunate after he lost his job, “nearly lost his life”, had several car accidents and became homeless. The complainant alleged that he purchased a car financed by Nationwide after he filed for Bankruptcy. He then lost his job and nearly lost his life, became homeless, was forced to live in his car, and got behind on his car payments. He contacted Nationwide to assure the company that he would make payments. Unfortunately, the complainant was then in a car accident. He contacted his insurance company to have the car repaired, but ultimately realized he could no longer afford the car payments since he had been homeless for almost a year and “needed to keep a roof over his head.” According to the complainant, he advised Nationwide of this and told them to pick up the car after it was repaired. Nevertheless, he “constantly got calls” from Nationwide and was told once Nationwide sold the car he would be responsible for the balance. When the complainant checked his credit, the amount reflected was far more than what could have been due or what the car was worth.

In July 2016, a complainant indicated that he had problems obtaining from Nationwide Acceptance the correct amount he owed to bring his car loan current and that rather than assist him, Nationwide repeatedly called him, denied the substance of the calls, and baited him to complain. The complainant alleged that Nationwide’s website incorrectly calculated his payment due amount. Although Nationwide acknowledged that the website was wrong and that it did not calculate interest correctly when a customer overpays the monthly loan amount, it failed to help the complainant resolve the issue. Instead, Nationwide’s collection department began calling him, mostly from “blocked numbers…” According to the complainant, Nationwide had “hung up on” him and told him the phone calls would not be stopped. In an effort to bring his account current, the complainant called Nationwide two days before his next payment was due, but the Nationwide representative chose only to tell him the amount he “owed for one month instead of two (due to Nationwide’s errors on its website).”Later, when complainant called to correct the problem and bring his account current, he was told that Nationwide had kept “notes” about his earlier calls and that his version “was mistaken.” Nationwide Acceptance  later denied the blocked calls altogether and told him that Nationwide’s “legal team is big and welcomes complaints.”

Nationwide Acceptance Contact Information

Nationwide Acceptance
Two Lincoln Centre
5420 LBJ Freeway, Suite 1010
Dallas, TX 75240

(214) 492-4010

Nationwide Acceptance NAC Calling You?

Understanding Your Debt Collection Rights

Consumers are protected from abusive debt collectors from the Fair Debt Collection Practices Act (FDCPA). By way of instance, the debt collector must identify himself or herself, who they’re working for, and what debt they’re collecting. The FDCPA claims that debt collectors can’t use any deceptive or misleading representation, like implying the debt is secured by the USA or any particular state. Additionally, they can’t use a badge or uniform to pretend they’re a government employee collecting a debt. Misrepresentation is a violation of the FDCPA and could be reported as such.

In case you’ve been a victim of a debt collector’s wrongdoing, then you can search for justice under the FDCPA. You have the right to pursue a claim against the debt collector; if you prevail, you can collect up to $1,000, plus attorney fees and court costs.

Want to Stop Nationwide Acceptance Debt Collection Harassment Now?

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.

We can make them STOP!✋

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 NOW.

What Our Clients are Saying

“I’ve had experiences before with legal teams and I can say certainly that Lemberg Law has certainly earned their reputation the old fashioned way…being constant in representing their client’s best interest.”

“I have to admit, I was not sure of y’all initially but you proved me wrong. You not only got the calls to stop but you have the company to dismiss the accounts once and for all! It had been more than I anticipated.”

“THANK YOU SO VERY VERY MUCH for everything you guys did for us…. This was our first time dealing with a situation such as this and you guys made it so straightforward. Thank you!”

“I want to thank you and your team for all of the help you have provided to me. Honestly, you have a excellent staff who has dealt professionally and been very empathetic at one time in my life once I hit a speed bump.”

Can You Help Me Delete Nationwide Acceptance NAC from My Credit Report?

We can absolutely help. Call us today.

Can Your Firm Help me Deal with Nationwide Acceptance?

The short answer is yes. Contact us now to find out more.

Sound Off!

Have you had a bad experience with this agency’s debt collectors? Sound off and share your experience with other visitors in the comment box below.

Sergei Lemberg

About the Author:

Sergei Lemberg is an attorney focusing on consumer law, class actions related to automotive issues, and personal injury litigation. With nearly two decades of experience, his areas of practice include Lemon Law (vehicle defects), Debt Collection Harassment, TCPA (illegal robocalls and texts), Fair Credit Reporting Act, Overtime claims, Personal Injury cases, and Class Actions. He has consistently been recognized as the nation's "most active consumer attorney." In 2020, Mr. Lemberg represented Noah Duguid before the United States Supreme Court in the landmark case Duguid v. Facebook. He is also the author of "Defanging Debt Collectors," a guide that empowers consumers to fight back against debt collectors and prevail, as well as "Lemon Law 101: The Laws That Lemon Dealers Don't Want You to Know."

See more posts from Sergei Lemberg

    The 1 star is for Nationwide and not for thos law firm..

    I need help regarding this finance company. They work with a dealership in Streamwood called Conway imports. We were pressured into buying this 2007 BMW X5. After taking it home, 2 weeks later the car would not start and would break down in the middle of the road etc. We contacted the dealership with having attitude abd saying the warranty doesn’t cover certain issues. This car was bought more than it was worth. Over several months this car would break down on a regular basis…we had to take time off work, pick eachother up because this car would stop running for no reason ALL the time. We contacted the finance company regarding this lemon that was sold to us. This finance company would not do anything for us. After dealing with replacing 6k in parts in this car and paying on time, we were not even closer to getting this car fixed to make it run correctly. We had this car towed so many times our insurance company dropped us. We brought this car to BMW themselves. They couldn’t even figure out what was wrong with it. After 2 months of them having it they figured it out and stated it would be another 6k to fix this car. Now that would be a total of 10k total we would put into this car that we bought for 13k. The dealership at BMW told us it’s not worth fixing. We contacted the finance company to come get this car. On numerous occasions they would ignore my calls and I kept telling them to pick this car up. They ignored me. So we had this car stored in our garage since 2018. After trying to file bankruptcy chapter 13, our lawyer had to get involved to either turn the title over to us or come get the car. They of course cane got the car…this was last year. They sold this car in auction and are now saying we owe more on this car than what they were originally asking us to pay. So even now with the sale of the car…now we owe more. How is that so? This place is a scam and scumbags. We tried filing for chapter 7 but it was dismissed as I made too much. Now as of this month, Nationwide is trying yo garnish my husband’s income and this is all without a court date first. We are just now notified of this and now just got a court date for the garnishment. This company owes us money…for the 6k we put into this piece of crap and for storing this car since 2018.

  • Luis C

    I was reviewing my credit report and noticed two hard enquires from out of state from this finance company which I did not make. Initially I contacted them to report the hard inquiries from my credit report. The Nationwide rep seemed to want to help me figure this out promising they would investigate the inquiries I gave them my identifying information and they said they would call me back that same day with feedback. I did not receive a call back that day, I waited 48 hours before contacting them in regards to my situation, the Nationwide rep was rude and informed me that I was misinformed and had to file a dispute letter by mail or by fax in order for them to investigate. I feel like I’m a credit fraud victim with no sense of direction. It’s already a frustrating situation as it is plus having to through all the apparent loops to get some feedback from anyone.

  • Brenda

    Calls from Capital One

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