First National Collection Bureau [FNCB]
Reviews and Complaints

So I received a very nice letter from FNBC to inform me that a delinquent account has been placed with their office for collection by their client Absolute Resolutions, letter also included 6 individual COUPONS at 480.00 each...Not very desirable coupons I must say.
So, I probably did a stupid thing and tried to get into their system to inform them that i dispute this bogus debt.
yep, i proceeded to "claim account" by registering and the point of that was I intended to email them.
Needless to say after i put in the desired information there was NO OTHER OPTION!
No email contact, no bogus account info, just a screen that says finish account registration, but there is nothing to finish!
Its just their way of SCAMMING a person to "CLAIM" account...DONT MAKE THIS MISTAKE PEOPLE

Because they are [censor]. Low life's that prey on people. Once the Credit Card company charges off the debt, it is charged off. Companies like FNCB buy these old debts for pennies on the dollar hoping that people do not know their rights and pay them. First, never make a payment to them. Never admit to the debt. They have to do what is called "Request For Production" Request this. Look it up. You have rights. They need to produce documentation with your signature on it, a copy of every transaction from the first to the last, they can not. They can not because the credit card companies do not provide them with this information. Know your rights.. Read and study the law. YOU HAVE RIGHTS. Debt collectors are vermin... HTTP://WWW.fairusenotabuse.com/request-for-production-of-documents-to-plaintiff-junk-debt-buyer/

My credit karma report said my 2007 car balance of 5000 dollars is showing paid and closed.why is first national collections contacting me now saying i owe them after 11 years

"Oh, if I pay, will you please fix my credit!" Or, "I'll pay, if you just leave us alone." I was once a manager for the largest collection agency in the U.S., and I will say that these companies are just another racket. As the laws get tougher, it gets even harder to force people to pay their debts. I left the business because my moral imperative was to move on in my life and stop bullying people into paying their debts. My advice is to NOT pay. Your credit score will NOT go up, even if you do. SAVE YOUR MONEY! You'll one day need it. Accept your mistakes, and never let the collection agencies get away with convincing you that paying your debts will be good for your credit, or your soul. The dreamer who originally posted says he bought a house. That worked for him, but that's not the answer for everybody.

This collection agency is a joke. They mailed a letter to me claiming I owed over $800 to my current bank. I called my bank to verify this information and they said there was no such debt, and they have not gone to FNCB for any collections toward me. On the same day that I got my letter, my boyfriend whom I live with also got two letters from them, saying that he owed over $900 to one company and about $500 to another, one of which he has never had any business with. They have an F rating with the BBB and have 328 complaints against them, of which they have only resolved or responded to 2.

SCAM SCAM SCAM

Not sure how much more clearly I can state this. It's a scam. Check their BBB rating. Oh, wait, they don't have one.
They just sent me a letter telling me I owe almost 2 grand on my car. My car is paid off.
It was nice of them to include little cut outs though, where if I paid my fine monthly I would get a *discount*
SCAM

FNCB is a complete scam. I had a Directv account years ago and ended service with them owing me a $.65 credit. To my surprise I received a letter in the mail stating that I owed $456.00. Ridiculous! I called and asked them why they put this information on my credit report. After a lengthy conversation with a Directv I found out that the account belonged to someone with the same last name who lives a block away from me. I obtained a transcript of our conversation stating that the account did not belong to me. I also received a generated bill from the company showing that my final balance when I had their service resulted in a $.65 credit due back to me. However, even after filing my disputes with all three credit bureaus, FNCB is still claiming that the account is mine. They are ### who are looking to collect from people who don't owe, just to make a quick buck. To all the people who are in a similar situation with this company, don't let them prey on you. You may be in a position to seek damages if your FCRA rights are being violated. I urge you to look into the matter. Good Luck!
-Still Fighting the Good Fight

if you live near by First National Collection. i would for sure make a visit to them. these people are just an average joe making a salary for not really knowing whats going on. prying on gullible people to pay. also some of the fake comments on this site are not from real people thats stating FNC helped them. its their own employees! so, the SOL is set by your state for a reason. TOTALLY ethical. its called Hardship. use your rights and dont let any of these scam collectors make you pay for something they dont even own. the only thing they own is the OLD write offs or closed accounts that the original creditor already collected from write offs. they buy your account from other collectors from pennies on a dollar and try to turn around to make a profit. PERIOD! Think about it. if they said you owe a certain amount of money they claim you owe and then turn around and offer a 60 to 80% discount? ive noticed by watching a few Youtube videos of many other scam collectors on how they actually work inside the office. (made by actual ex-collectors that quit). they have been brainwashed to thinking what they do for a living, is legal and legit. with you living in the same town, you'd probably be surprised of who you may know that works there. i'd love to see their face expressions! lol

It's a zombie debt collectors buying debts discharged for like 1 cent or less on the dollar.

Just ignore these firms. The debt had been discharged and is usually off your credit record.

Really such firms should not be legal in the United States.

There is noone who benefits except for these profit takers.

Awful.

This was previously settled in about 2009 through another collection company. I believe this to be fraudulent attempt to collect a debt which was already discharged.

I have turned my letter over to Verizon Wireless as they said there acting as there agent. There pissed and are getting to the bottom of this. I never had an account. It is a scam and this company is not a real collection agency. There just one big scam! I hope they get closed down now as Verizon is not a company you should impersonate. They take legal action quick once you sign the papers.

I sent those scam artists a certified letter with return receipt requested. I told them that Federal Judge Bunning (son of former U.S. Senator Jim Bunning) would be happy to see them. The postal return receipt was received signed by B. Lane. Probably an alias. I have not heard from these scam artists since. The point is do not call these people. Invite them to see you in court. If they claim that you owe something out of the state you live in, ask them to sue in your federal jurisdiction. They will not do that. It could cost them much than what they are trying to scam you out of. Good luck and hope this was helpful.

First National is just another of the scam artist collections agencies operating. They get your name on Facebook or if you order something o line. They will however back off with a letter advising them to sue you in Federal Court. I guarantee it will work.

I agree with the previous comments because I received a letter in the mail from First National Collection Bureau, Inc. last week stating that I own Remark Funding $4, 524.36 for borrowed money received back in 2004. I called them to inquire about it and he asked for my social security number, fishing for more of my information I thought, and he said that they bought the account from that company and now they are out of business. So I asked what the money borrowed for and he said he didn't know and could no longer contact them to find out. I knew that it was a lie because I had just filed bankruptcy 2 years before and did not have any employment for 3 years then. I couldn't even borrow $100 let alone be able to borrow money for that amount. They are bogus and a scammer. I just told them that it was not mind. Then he wanted me to send in a letter of dispute. People lie on us because of greed and then we have to prove our innocence.

They sent me a letter of which I knew I owed the amount. They offered me a 50% discount if I payed within 35 days. In 27 days the acknowledge they received payment of the 50% amount but now are shooting to get the 65% for two payments are are acting as if they never offered the 50%. Luckily for me I kept both letters. Hopefully they won't play this game after the attorney general talks to them.

Guys, the first thing you do is send a Dispute and Demand letter! Dispute the debt, and Demsnd they validate it. You MUST send this ASAP - you only have 30 days to get this to them - and make sure you send it Certified mail, so you have proof they received it. Then download the Fair Debt Collections Practices Act and read it several times. If they contact you at all, they've violated the law and you have 1 year to sue them: $1, 000 statutory damages. Look up your state law and most will have the Same or larger damages to add to it. Do not sue in your local court but in the Federal court. Learn how to stand up for rights, or you don't have any! Go to wliyd.com and learn how.

I received a collection notice from the above and I have no idea what it is for.

recieved a bill from them for a capital one card I never owned

The BBB says, "F"

Reason for Rating
BBB rating is based on 16 factors. Get the details about the factors considered.

Factors that lowered First National Collection Bureau, Inc.'s rating include:

239 complaints filed against business
Failure to respond to 235 complaints filed against business.
Overall complaint history with BBB.
One complaint filed against business that was not resolved.

If you live in Texas, sign up fo rthe Texas No-Call List, then, notify them (and record the notification call, or certified letter), not to call again. Then, document when they do, and start filing complaints with the State Atty General's Office, they have an on-line form-EACH call after notification can be fined $1000! I did this to another ### company, and they were fined $10, 000.00, then they finally stopped! It works and is the best way to deal with them in Texas...of course unless they come in person, , , well then you'll know what to do:-)!

I was told it was 10 years in my state at least, but I'm not sure, never dealt with collections before, I just think getting a lawyer is helpful in those situations if they chose not to listen or just ignore the call. My parents pay my credit card and student loans I just pay for my car possessions and my boyfriend bought our house so I've never had the opportunity to deal with money issues yet. But if you look on the internet you can find all the information, or don't report it on here, it's not like the collection agency is responding at all.

They can still collect on the debt until 2012, it's 10 years. And you have to dispute with them and have proof to show you made those payments. If it's still an issue hire a lawyer to help you with the case.

Get Legal Shield, guys. I actually just cancelled my legal shield bc I cant afford the 20 per month at the moment. But they prepared all kinds of documents that made companies stop harassing me before. It's really awesome that $20 bucks a month gets you up to 31 hours of attorney service (one per day) on any civil (non-criminal) complaint. If you are getting unfair bills or treated unethically by companies you don't directly owe money to, this is a great resource to make it stop, without needing thousands of dollars on a lawyer.

I too have been harassed by First National. They sent me a collection letter for some ridiculous amount of money that I did not owe. Were you able to resolve your issue with them and if so, what did you do?

They tried harrassing my father. Boy did they get what they were not expecting.
FDCPA-Faid Debt Collections Practices act protects the consumer. They were verbally harrasing him, I was visiting for the week. They got me on the phone, I sent them a cease and desist. Also sent them a copy of the fair debt collection practices act section 802. They hung up on me and told me to never contact their office again..lol

Not so great when the shoe is in the other foot.

You are trying to work with them, that you can only afford to pay $50.00 but they refused to help and work with you, My advised is if you had already a bad credit hell, , , with them that credit goes to collection agency, then collection agency will deal with you they connot forced you to pay deft, Change your home phone # so that they connot call you any more, and forget about headaches lol.

I am having similar problems with this company. They keep calling my cell phone and leaving a VM. when I call them to find out what this is about they tell me that my phone # does not show up on their list. I talked to a supervisor who said she would take me off the list. When I asked her why the other lady told me I was not on the list she handed the phone back to the other lady who said her supervisor would look on another list to see if I am there. Really getting tired of this.

Complaints about First National Collection Bureau may be made to the Financial Institutions Division of the Nevada Department of Business and Industry at http://fid.state.nv.us/Forms/FID-Complaint-Interactive.pdf -- see also their information page at http://fightfraud.nv.gov/financial_new.htm (btw, the Nevada Consumer Affairs Division has been eliminated by the Nevada legislature -- see http://ag.state.nv.us/org/bcp/cadinfo.htm.)

just for your information dude, just because your debt is over the stats of limitations does not mean they cannot collect on the account, it mearly means it doesnt effect your credit and there cant be a judement made on you. The balance was probably so much because you ignored the bill for 11 years. if you knew your ex wife did something in your name and you didnt file a police report then ya your still going to owe the money. idk why you guys all hate collection bereaus when you're the one not paying your bills. its the same as stealing. and a lot of time debt collections offer huge settlements some as low 30% of the
full balance. dont blame these people for your negligence of your own bills.

My fiance and I switched our cell phones here about a year ago, and the last 4 months they have been calling everyday while i tell them that this isnt his number they keep calling and when i try to talk to them they hang up. What can i do because i am so sick of them calling me everyday when he has no debt so what is this bs about?

Here is your solution: I am a satisfied customer and writing this to help others. The call is free and so is the service to you.
Okay folks there are a lot of agencies that think they can punk you into paying even after you say stop, cease and desist etc. They try to tel you that you have to do it in writing and that they will keep calling you. This is the solution. Tell the person that you want there name, and you want the debt verified in writing (it helps if you have a P.O. box or UPS store box. When you get the letter copy it and write a letter saying that this is not your debt and they are to cease and desist. Document the name of the person who called and keep your phone bills showing that the collection company called and what you told them. Most of the time they will stop calling you if not tell the person who calls this time that you have disputed the debt per FDCPA and they are in violation. If they become argumentative get the person's name and call Krohn and Moss attorneys for FDCPA. [protected]. I did this and sued the collection agency recieving a settlement and the best part of it was that I did not have to pay a dime, it was all covered in the settlement. I provided copies of my phone bill and a written statement informing the court that I told these people to leave me alone and they didn't. Part of the settlement was a deletion of the aledged debt from my credit. Call them, it is free to you and they will leave you alone.

AFTER 4 YRS OF NOT PAYING ON ACCOUNT IN FLORIDA-THE STATUTE OF LIMITATIONS HAS RUN OUT. IT IS EXTREMELY HARD FOR ANYONE TO COLLECT AFTER 4 YRS. ASK YOUR STATE ATTORNEYS OFFICE ABOUT YOU STATES RIGHTS.

wow sounds like what there doing to me...

I received a letter for a settlement from First National Collections Bureau.There's no First National Collections bureau on my credit reports (experian, transunion, or equifax), nor do I have an account with Cross Country Bank which they claim to be collecting the debt for. I called them and they were very hesitant to give me the Cross Coutnry Bank information they claim I owe a debt for. According to Cross Country Bank, they don't do business with this company. Do not give any information to these people. They are fraudulent and probably found an old bill in the trash or something...

They have called and called us on a Capital One card. The limit was $200 and now they say we owe $1900.00. It has been deleted from our credit because the other collection agency couldn't verify the debt. They call us and leave messages and only say 191 at your earliest convenience and that is it. The only way I know about them and this number is google it and also we got a letter stating we owe. Very strange. Needless to say I sent a dispute letter today, certified mailing. If it doesn't work let them take us to small claims, I have all documentation showing trying to get this resolved. UGH.. Nightmare!

I am being sent demand texts to my phone [protected]. I looked up the business contact that was provided. I want this to stop. ref# [protected]. I have no overdue accounts. I will seek federal assistance against you if you text me again.
Mary Spears.

Complaints about First National Collection Bureau may be made to the Financial Institutions Division of the Nevada Department of Business and Industry at http://fid.state.nv.us/Forms/FID-Complaint-Interactive.pdf -- see also their information page at http://fightfraud.nv.gov/financial_new.htm (btw, the Nevada Consumer Affairs Division has been eliminated by the Nevada legislature -- see http://ag.state.nv.us/org/bcp/cadinfo.htm.)

They contacted me on a debt they said I owed about the time my husband and grandson died so I paid it and have not recieved confirmation and now the phone number they used is no longer in service 1-800 824- [protected]. 1St National Collection Bureau
610 Waltham Way
Sparks, NV 89434

If you receive a call from "1st National Collection Bureau" at [protected] do not speak with them. Ask them to send you the "said collection" by mail for your review.

They called for my wife attempting to collect a "so-called" debt from [protected]. Be aware that EVERY state has a "Statute of Limitations" on "credit cards" and utilities. I informed the Collection Agent that whatever they were trying to collect was NOT VALID since collection of "said debt" was out of Virginia's (3) Yr. Statute of Limitations Period. She proceeded to argue with me and I quoted her the Virginia Statute Code and requested she contact their attorney because if I received (1) more call from their number I was filing a $5, 000 harassment lawsuit against them due to telephone harassment. She stated she'd have her "Manager" call my wife. I can't wait for the Manager's Call ... I could use a $5, 000 check because of their ignorance. If anyone has any questions on calls like these...I'd be happy to assist you. Contact me at: Patriots1167@aol.com

There are thousands of complaints against this company

I keep getting calls from them for someone else and after repeated requests they will not stop calling me!