What consumers say about First National Collection Bureau

IknowmyRights · Guest 0 Magic Points

This company had called me on numerous occassions, I refused to give them any info. Finally they sent a debt collection letter to me.

This so called collection was in regards to a debt that was written off by orginial company and was sold to two other collection agencies.

After checking my credit report, this item has been removed, the SOL had expired, and this company is not licensed to operate in the State of CA.

This company even had the nerve to say that I owed over $1,200.00 on a credit card that only had a limit of $200.00 and and they were willing to settle for $800.00.

There are many companies out there that are 3rd and 4th party collection agencies, that will threaten liens and jail. DON'T Listen to them.
Here's what to do!
1. If they call tell them to stop the calls, and to send the request in mail.
2. Pull up your credit report, the free one is annualcreditreport.com. You will see when the debt will be removed and who placed this item for collection.
3.Check your state for the statue of limitations.
4. Send request for verification of debt, REMEMBER always sent it certified, return receipt.
5. If this debt is not valid then send a letter to the state in which this company operates, always send a copy of the letter you received from them too.

Here is a letter that you can use to request vertification

OneBadDebt · Guest 0 Magic Points

I received a letter from First National saying "your delinquent account has been assigned to us by the above mentioned client. They listed Valorem LLC and an old credit card company I once dealt with. The last payment to that company was June 05, and by January 06, the company had charged off the debt and sold it to another lender. I responded to First National that 1) the CA SOL had run on on any debt previously owed to that credit card, and 2) they misrepresented themselves to me because that particular credit card company no longer exists, and I have no knowledge of Valorem LLC and have never dealt with them and do not owe them anything. I cited FDCPA 812 as well. I did not mention this, but I am unemployed and own absolutely nothing, so I don't think they would get very far trying to take me to court, even if it's just so I can present the CA SOL as my defense. Was this the right way to handle this?

jBonnie · Guest 0 Magic Points

I consider these calls harassment! I am not even the person that has a debt with them.....I don't even know the person whose name they give as the debtor. My phone company will charge me $4.00 a month to block their number, isn't this pitiful? Where are the laws protecting the innocent people from these jerks?

ReadyToGetSomeASS · Guest 0 Magic Points

You shouldn't be afraid of this company because they are scamming people. They have contacted me and made threats they are going to take other measures. I told the female that was on the line to KISS MY ASS.

After reading all of the compliants regarding this company and knowingly they are scamming people I have a plan for that ass the very next time they call me.

This company is so call listed at 610 Waltham Way - Sparks, NV but actually they are in county (WASHOE)Reno, NV.

It is too many compliants against this FAKE collection service, just to sit on the side line letting them get away with these crimes.

Now is the time for all people to report these assholes the FBI along with MEDIA attention, and sending a letter to our new President Obama, of the UNITED STATES. And lets see who is in power then!!!!

wandachenell · Guest 0 Magic Points

Out of the blue this company has been harrassing me for a couple of weeks. They are a collection agency, I had a credit card account around 20 yrs ago, and they are asking me to pay it. This debt is not even in my Credit Report, was taken out after the bill was standing for like 10 yrs. Do you know this people??

Hm · Guest 0 Magic Points

The crappy thing is... you can have a collection be written off. That does not stop them from selling it to another collection agency. It's bullcrap, but it's legal. Sorry guys. I've been jerked around by collection and had a lawyer tell me that just because you settle on an account, they can still sell the remainder. So if you do a charge off, you still run the risk of being collected against by another agency.

Joined: 03 Nov 2007 Posts: 3927 57 Magic Points

You need to make sure that you get a letter from them stating that the bill is paid in full or settled. Once you have this in your hand you are good to go, if someone calls you you can just ask them for their fax number and fax a copy of the paid in full or settled in full letter. They have to accept it.

I have been there and done it.

OhioGuy · Guest 0 Magic Points

I received a letter a few days ago on a debt that is way past the statue of limitations. And to make the matter funnier is they give a different zip code on the top of the letter and where to send the payment to. But the same street address.

Guest · 0 Magic Points

This dang company will not leave me alone, not to mention that the person they are referring to isnt even myself. Nor anyone in my household. They are looking ofr a "Chris Smith".. No one by the name of Chris nor Smith live in my house. They call me all random hours of hte day telling me to call them. So tonight I took it upon myself to call this number and several others for that matter... Each one told me to call back on regular office hours. My question and complaint is how can they call me any hour of the day but I can call them and everyone is out for the day. I mean seriously. What a retarded situation nad a hassle that needs to be dealt with. Im very frustrated and very intorelable of such nonsense.
800-824-6181

sunshine · Guest 0 Magic Points

So seriously, is this a scam or what? They have called my sister-in-laws house looking for someone with the same last name as mine, then in turn call my brother looking for someone totally different. I am tired of this bull sh**. Can someone please enlighten me?

PhyllisClark · Guest 0 Magic Points

OMG. They sent me a letter setlling for a small amt. Now they have sent me a letter for additional payments. WTF!!!!! How can I report this and get it cleared up on my credit report?

Little · Guest 0 Magic Points

I actually worked for this company for a very short period of time. I, too, am constantly harrassed by debt collectors. Techinichally, the law states they are only allowed to call you once a day BUT that can be waived if they don't speak to someone or leave a message. So if they get your voicemail, they will hang up so that they can keep calling you. Also, if you tell them that they are not to call that number anymore, they have to take that number out of their system. And FYI, it doesn't matter if the debt is no longer on your credit report, they can, and will, still call. I hope this helps!

Chaniah · Guest 0 Magic Points

my dad got a letter in the mail saying that we owed 5,563.59 on a credit card but we dont even have a credit card...it makes me angry and plus they need to have proof that we supposively owe money! and especially if we dont have a credit card.

DallasCowboy · Guest 0 Magic Points

I just received a piece of mail today from First National Collection Bureau, 610 Waltham Way Sparks NV 89434 saying that I owe them $8,500 and that I could pay tyhis off in 6 installment loan payments of only $857.00...Glad that this information was posted on here. Im going to call them advising that I want to send them a check but to first verify who Im speaking with send or fax me information about themselves, then going to tell them to kiss my ass. Make sure that if any of you call to block your number by hitting *67 prior to dialing...More to follow

moonglo · Guest 0 Magic Points

darkone,
You are assuming that all those who recieve these calls own a balance to a credit collection company.I agree that if someone owes a balance, that whenever they can they should get it straightened out and make payment arrangements.
however in my case and many of the others you call COMPLAINING ,DO NOT owe a credit company.It is only legal to call you if you DO owe them. when they are advised that the person they are calling for does not have access to your phone number and does not belong to the person they are calling and you advise them of this and asked them to take you off their call list and they do not,then they are breaking the law and can be sued in civil court for the phone harrassment.
It is up to the collection agency to police these telephone numbers and be absoutely sure they are callin the right people.If not, this is gross negligence on the part of the credit collection companies and the are absoutely LIABLE/

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