First National Collection Bureau: How to deal with this collector

I reveived a letter from First National Collection Bureau stateing that North Star Capital Acquisition was offering me a settlement for a Capital One card which I had one in 1997 and paid it off when my husband past away, haven't had one since. I have gotten my credit report and there is several people with the same first and last name of mine, middle name wrong married to someone I don't even know plus haveing me live in another state than I do and have never lived out of the state I live in now. I amtrying to get this taken care off but not having much luck so what can I do about all of this?

how do you find out the statues of limitations on debt collection

I just made a settlement payment for $378.52 for account # 4227-0973-8438-0619. I tried to ask the representative not to charge me the fee of $15.00. They said they could not cancel the fee. I was hoping that maybe there is a way get back the $15.00 since i paid the full amount in good faith. Thank you. Nicholas montemarano

Today I received a letter from FNCB, if this is even an account that I had in the past it is not on my credit report and the statue of limitations has run out. Should I still send them a letter? It sounds like fraud to me but I do not want to get stuck with this. If it is real I am more than happy to fix the problem. Any advice??

Would like to see what on the bill

I've been reading all these posts, and would like to know what you guys did and how you found out it was a scam. I got a letter from FNCB inc the other day saying i owed 648.36 and that they would take 60% if i did 3 payments of 86.45. I have tried to call them and find there website and i can't find anything, it just brings me to all these people talking about them being a scam... PLEASE HELP ME!!!!

I, too, received a letter yesterday saying I owed over $400 on a cell phone bill for a phone provider I hadn't been with in over 5 or 6 years! I looked up FNCB online, found a TON of boards like this one, all talking about what a scam that place is. I also looked FNCB up on the Better Business Bureau website. Not only are they not a BBB-accredited business, but the BBB gave them an F rating (A+ is best, F is worst).

I called FNCB to dispute the charge, saying I have no outstanding bills with that phone company, and that if I did--wouldn't they have tried to reach me at some point in the last 6 years? After the guy was snotty with me, I told him about the BBB rating, and about my internet research. He said that FNCB had just recently received my claim, and were trying to collect on behalf of another collection agency (Jefferson Capital), but wouldn't give me any of their information. He said he didn't have Jefferson Capital's information (which I thought was odd since JC contracted FNCB to do work for them), and even if he gave me the phone number, JC would just send me back to FNCB anyway. He then advised me to check my credit report since I was so "into" researching, and call him back.

So instead, I called the phone company directly and spoke with the finance department manager. They had absolutely NO records whatsoever of my account being delinquent, and said that they don't officially "close" accounts until the final bill has been proven collected. The phone company said, and I quote, "Do NOT pay them a dime."

So I called FNCB back, spoke with a different girl. She read the notes, and said "Well, did you go look up your credit report?" I said, "No. I called [phone company] directly to get to the bottom of this." She said "Oh...you did?". I proceeded to tell her about my conversation with them in detail, and she immediately responded "Ok. We'll close out your account now."

Just like that...she didn't even say she needed to verify the information I gave was accurate or require me to send any paperwork at all. Can you say SCAMMER?

I just got a letter saying they are collecting against my wife for a directtv account. We have never, ever had directtv. I see that this goes back to 2007 at least, why are they allowed to stay in business.

well called directtv and they said my account was in a town I have never lived in and they even spelled my wife's name wrong. I offered to have my lawyer call, but the directtv rep said no problem they would cancel it. Then I called the debt collectors and just told them to eat me and to F off I wasn't paying the bill. After reading thei I had fun double dog daring them to come after me and the wife. Best 3 minutes of my day so far. Thanks for letting me know about these scum suckers.

For the love of god, someone please identify what these acronyms are....

"
Sub: #26
Forget the phone calls, send them a cease comm letter CMRRR and file complaints with the FCC, FTC, AG's in your state and theirs, the BBB and the ACA International. "

I had a credit card since 1989 and this Company call First National Collection Bureua In of 610 Waltham Way Sparks NV 89434. They first start calling me on the phone and I though it was someone fraudulently open an account in my name when the lady told me she is calling from a collection agency for a debt that I owe I did not remember the name of the company mention so i asked her when was the credit card issue she told me in 1989. And on the phone she start bargaining with me if you pay this today you wouldn't owe this debt. I don't even know if I owe this company that they mention.
I am contacting the attorney general office in regards to this.

Also have received a collection letter from First National Collection Bureau for an unfamiliar debt.
Creditor: Galaxy Portfolios, LLC ?
Original Creditor: Firstar Bank USA ?
Total Due: $4,582.19
And being such nice individuals they are willing to accept only 60%, six payments of 458.22 ea.
Will be sending a combination Validation/Cease and Desist letter.
For info on Statute of Limitations for your state: http://www.fair-debt-collection.com/SOL-by-State.html#4 Or copy & paste to your browser.

I too have received a collection letter from First National regarding an old judgment I received. Problem is, they are demanding twice as much as was awarded in the judgment. Even with interest, the amount demanded is grossly overstated. I was just wondering if anyone else was having this problem with First National

I got this same letter today and I have NEVER done any business with Galaxy Portfolios so they are barking up the wrong guy if they think I'm just going to send them money because they say I owe something... lol....idiots......

Please let me know if your lawyer will be making a class action lawsuit against these people. I received a letter similar to yours and knowing that I do not have any open debt since I just got a credit report, not to mention bought a house with a loan from the bank who happens to be the original creditor. I contacted them directly and verified what I already knew that the acct was closed in 2003 with a ZERO balance. I called First National Collections back and they threaten to send the dispute to claims or whatever. I'm 9 months pregnant, ready to pop and not excited to deal with this kind of junk. Please let me know if you need anything to help get these people to pay for all the harassment they are causing to so many individuals.

Please Please Please people watch out for this agency. I got a letter in the mail saying i had a debt which i did and i currently cleared up all of my debt with this being the last bill i had to settle. I owed 466 on a really old account and was willing to settle and pay the 233 they offered for settlement. I called and was going to make the deal and then they changed thier minds and said well, we wouldnt even have this conversation if you would pay your bills in the first place. I was very disturbed how they harrassed and yelled at me on the phone. Please avoid this company at all costs. I was able to call the original lender who was very nice and still got the settlement price. I contacted the Nevada BBB and filed a complaint and I highly recommend that if any of you are getting the same treatment, then call a lawyer. We need to protect people from this company that i have no idea who they think they are treating people like this. Do not give any account information to this company. Anyone is more than welcome to contact me and let me know what this company is doing to you . I hope they keep messing with me becasue i will Get an attorney in a new york minute and take these guys down legally.