Disclosures

This is a communication from a debt collector. This is an attempt to collect a debt and any information obtained will be used for that purpose.

NCI Secure Online Portal: nci.ac/myaccount

  1. CALIFORNIA RESIDENTS: The state Rosenthal Fair Debt Collection Practices Act and the federal Fair Debt Collection Practices Act require that, except under unusual circumstances, collectors may not contact you before 8 a.m. or after 9 p.m. They may not harass you by using threats of violence or arrest or by using obscene language. Collectors may not use false or misleading statements or call you at work if they know or have reason to know that you may not receive personal calls at work. For the most part, collectors may not tell another person, other than your attorney or spouse, about your debt. Collectors may contact another person to confirm your location or enforce a judgment. For more information about debt collection activities, you may contact the Federal Trade Commission at 1-877-FTC-HELP or www.ftc.gov.

  2. COLORADO RESIDENTS: This communication is an attempt to collect a debt by a debt collector or consumer collection agency and any information obtained will be used for that purpose. A consumer has the right to request in writing that a debt collector or collection agency cease further communication with the consumer. A written request to cease communication will not prohibit the debtor collector or collection agency from taking any other action authorized by law to collect the debt. FOR INFORMATION ABOUT THE COLORADO FAIR DEBT COLLECTION PRACTICES ACT, SEE HTTPS://COAG.GOV/OFFICE-SECTIONS/CONSUMERPROTECTION/CONSUMER-CREDIT-UNIT/COLLECTION-AGENCY-REGULATION/.

  3. NATIONWIDE CREDIT, INC., COLORADO OFFICE: 1776 S. JACKSON STREET #900 DENVER, CO 80210 TELEPHONE: 720-287-8670

  4. CONNECTICUT RESIDENTS: This collection agency is licensed in Connecticut, NMLS Numbers: CCA-908470, CCA-BCH-940776, CCA-BCH-940840.

  5. MINNESOTA RESIDENTS: This collection agency is licensed by the Minnesota Department of Commerce

  6. NORTH CAROLINA RESIDENTS: North Carolina Department of Insurance Permit No’s 113911,113918.

  7. TENNESSEE RESIDENTS: This collection agency is licensed by the Collection Service Board, State Department of Commerce and Insurance.

Text Messaging Service Agreement

Terms and Conditions

  1. Nationwide Credit, Inc. (“NCI”) is a licensed collection agency. For purposes of this agreement and text message communications we will always refer to our company as NCI.

  2. By using NCI Text Message Service you agree to the following Terms and Conditions:

  3. Mobile Phone Ownership and Mobile Number: When you subscribe to NCI’s text message service you are confirming the mobile phone number you use to subscribe is the mobile number associated with your mobile phone. You and no other person will use this mobile phone to communicate with NCI about your account(s). Throughout this agreement the word “you” includes the person associated with the mobile phone and mobile number you use to subscribe to this text message service.

  4. If you delete your text messaging history from your mobile phone you may lose information about this text message service. To retrieve the Terms and Conditions you can go to nci.ac/tnc

  5. Voluntary Participation: NCI is a third-party debt collector and offers this text message service to you in connection with the collection of debt. This is a voluntary service you may start or stop at any time.

  6. Purpose: The purpose of this text message service is to allow you to obtain information about your account(s) associated with this mobile phone number by texting key words to NCI. The key words and their definitions appear below. The purpose is also to allow NCI to send certain kinds of text messages to you using the mobile phone number you use to subscribe.

  7. Accounts Subscribed: This text message service allows you and NCI to communicate about any accounts associated with the mobile phone number you use to subscribe and placed with us for collection now or future American Express accounts (“Accounts Subscribed”). Accounts Subscribed placed with us for collection by more than one business may be excluded from this text message service and Accounts Subscribed placed with us that are closed, inactive, subject to a cease communication or otherwise prohibited from collection activity will be excluded from this text message service.

  8. Consent: By using this text message service, you consent to participate in NCI’s text message service and understand and agree:

    • NCI may send limited types of text messages to you about Account(s) Subscribed to this service as described below in Company Initiated Text Message Service;
    • You may obtain information about your Account(s) Subscribed by texting key words to NCI
    • When you text a Key Word to NCI you consent to receive an immediate, automated text message response to be sent to you from NCI’s automated, text message service regardless of the time of day, day of week or frequency of the communications; and
    • Text messages sent to you by NCI may appear on the face of your mobile phone or device and you will manage the settings associated with how text messages are displayed on your phone or device to protect your confidential information.

  9. Text Message Service Termination Process: NCI and its agents do not have the ability to unsubscribe you from this text message service without your participation. To terminate participation or unsubscribe from NCI’s text message service, you need to text the word ALTO, STOP, STOP!, STOPNOW, STOPALL, END, QUIT, QUITNOW, CANCEL, CANCELAR, NOMO, UNSUBSCRIBE, REMOVE, OPTOUT, PARA, PARAR, PARE, or ARRET to NCI’s text number. Unsubscribing from NCI‘s text message service will not revoke or cancel other types of permissions you have granted NCI using the mobile number you use to subscribe to this text message service.

  10. By enrolling in this text message service, you consent that following such a request to unsubscribe, you will receive a one-time text message from NCI confirming your removal from NCI’s text message service. Following such confirmation message, no additional text messages will be sent unless you voluntarily subscribe again to this text message service.

  11. If you deactivate the mobile number you used to subscribe to NCI’s text message service, NCI will unsubscribe you from its text message service and send you a one-time text message confirming your removal form NCI’s text message service. Following such confirmation message, no additional text messages will be sent unless you voluntarily subscribe again to this text message service.

  12. Translation of Abbreviations: NCI’s text message service uses abbreviations when communicating with you. Please refer to this abbreviation translation list or contact NCI if you have questions or need assistance.

  13. Amex Card - means American Express Card

  14. T &C- refers to this page

  15. Consumer Initiated Key Word Text Message Service: To manage your use of this text message service or to request information about your account(s) you may use the following Key Words. Simply text the Key Word to our NCI’s text number (Insert alpha numeric characters) and NCI will respond.

  16. Key Words:

    • Text STOP, ALTO, STOP., STOP!, STOPNOW, STOPALL, STOP ALL, END, ENDALL, END ALL, QUIT, QUITNOW, CANCEL, CANCELAR, NOMO, UNSUBSCRIBE, REMOVE, OPTOUT, PARA, PARAR, PARE or ARRET to unsubscribe from NCI’s text message service. By texting any one of these key words you consent and agree to receive a one-time text message from [Company Name] confirming you have been unsubscribed from this text message service.
    • Text TERMS to request a link to the Terms and Conditions.

  17. Automated response to Unknown Consumer Action: There may be instances when NCI is unable to interpret or respond to your key word request. These instances include but are not limited to:

    • Submission of Unrecognized Text – NCI may ask you to call a customer service representative if we have questions associated with your text request(s). Examples of this may include but are not limited to: Notice of bankruptcy filing; Request to cease and desist; Notice of attorney representation; Complaints and disputes; Misspelled terms or words; Terms or words not defined by this agreement
    • Already Opted In – NCI will text you if the mobile number is already subscribed to the text message service.
    • Ported Mobile Phone Number – NCI may ask you to re-subscribe to this text message service if you change carriers but keep the mobile number you used to subscribe to NCI’s text message service.

  18. Unless described above, NCI will not initiate text messages to you using the mobile phone number you use to subscribe to this text message service.

  19. Cost and Charges: NCI does not have a separate charge for this text message service; however, message and data rates may apply from your mobile phone carrier. Subject to the terms and condition of your mobile phone carrier, you may receive text messages sent to your mobile phone. Participation in this text message service is standard rated (no premium content).

  20. By providing your consent to participate in this text message service, you approve any such charges from your mobile phone carrier. Charges for text messages may appear on your mobile phone bill or be deducted from your prepaid balance.

  21. Your Privacy: NCI is committed to building user trust and confidence by promoting and complying with the use of business practices that help protect the privacy of the consumer and their data. For more information you can view a copy of our privacy policy online at https://www.ncirm.com/Home/YourPrivacyRights.aspx

  22. NCI’s Right to Terminate: NCI reserves the right to terminate this text message service, in whole or in part, at any time without notice. The information in any message may be subject to certain time lags and/or delays.

  23. United States Participating Carriers Include:

    ACS/Alaska, Alltel, AT&T, Bluegrass Mobile[Company Name]ular, Boost, Mobile[Company Name]com, Mobile[Company Name]one Nation, Mobile[Company Name]ular One of East Central Illinois, Mobile[Company Name]ular South, Centennial, Chariton Valley Mobile[Company Name]ular, Cincinnati Bell, Cox Communications, Cricket, EKN/Appalachian Wireless, Element Mobile, GCI, Golden State Mobile[Company Name]ular, Illinois Valley Mobile[Company Name]ular, Immix/Keystone Wireless, Inland Mobile[Company Name]ular, iWireless, Metro PCS, Nex-Tech Wireless, nTelos, Plateau Wireless, South Canaan, Sprint, T-Mobile, Thumb

    Mobile[Company Name]ular, United Wireless, US Mobile[Company Name]ular, Verizon Wireless, Viaero Wireless, Virgin, WCC. Additional carriers may be added.

  24. Canada Participating Carriers Include:

    Aliant Mobility, Bell Mobility, Fido, MTS, NorthernTel Mobility, Rogers Wireless, SaskTel Mobility, Télébec Mobilité, TELUS Mobility, Vidéotron, Virgin Mobile Canada, WIND Mobile. Additional carriers may be added.

  25. Agreement: This Terms and Conditions section is an agreement between you and NCI which explains some of your important rights under the law, how the text message service works, how text fees and data rates may apply, how you may access information, when we may initiate text messages to the mobile phone number you used to subscribe, your agreement to receive text messages and other important features associated with the text message service. By using the NCI Text Message Service you agree to the Terms and Conditions stated above.