First National Collection Bureau: How to deal with this collector
First National Collection Bureau Agency may deal with you just like other collection agencies. They can go to any extent to scare customers to pay their debts. They would send you collection letters, sometime fraudulent, claiming that you owe money on an account. Following are some such issues which community members have faced with First National Collection.
- First National Collection Bureau has sent collection letters for a debt that has already been paid off. Know more....
- Consumers were contacted by First National Collection Bureau for wrong debts and debts that they never owed. First National Collection has sent collection letters to wrong parties. One member was contacted for a debt that belonged to her ex-husband. Read more on this.
- Consumers have experienced First National Collection Bureau making harassing calls to their relatives and family. Read more...
- On one occasion, First National Collection Bureau claimed to have a judgment against one customer but later on he found out that there wasn't any judgment at all. Know more...
What to do when you are contacted by First National Collection
- When you are contacted for a debt: If you are contacted by First National Collection, do not rush to make payment. If you can't recognize the debt or think that you have already paid it off, send them a debt validation letter.
- When you're contacted for a wrong debt: If you receive harassing calls from First National Collection for a wrong debt, send them a Cease & Desist letter and along with it, file complaints against them with the FCC (Federal Communication Commission), FTC (Federal Trade Commission), BBB and State Attorney General's office.
- When threatened with a judgment: If First National Collection Bureau claims that a judgment has been placed against you, check out with your county court and credit report, before making any payment arrangement. The credit report would show any judgment listed against you, if it's true, under public record section. There are several ways available to a collection agency to obtain a fraudulent judgment. If you're not served properly with summons, you may stand a chance to get the judgment vacated.
Related Forum Discussions
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#1
12-09-2007, 07:08 AM
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First National Collection Bureau: How to deal with this collector
Not to gloat - but I'm so glad I questioned the collection letter they sent on cc debt past the SOL.
It said a judgment was already awarded against me, but they were willing to give me a break - if I pay 60% of the debt in two payments they would clear my record. They even said "the lien would be removed". I'm no lawyer, but to me a lien is a hold against something of high value, like a house or car - how could they be awarded a lien on cc debt? Anyway....I did my homework & there is no judgment and now First National will soon be cutting me a check for violating the fdcpa. I have an attorney that is getting ready to file a lawsuit....and if First National was stupid enough to use this scare tactict on others it will be a class action suit. Chalk one up for the little guy! 
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#2
12-09-2007, 07:22 AM
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Join Date: Aug 2007
Posts: 4,152
Credits: 25,562
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Nice job munchkin! Way to question the verbiage on the letter!
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#4
12-09-2007, 09:19 PM
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Another success story! A company being sued for it's own stupidity.
__________________
He who has freed himself of the disease of "tomorrow" has a chance to attain what he came here for. --G. I. Gurdjieff (1872-1949) The science is in knowing, the art is in perceiving - Robert Fripp (1946-) Ever get the feeling you've been cheated? - Johnny Rotten (John Lydon) (1956-)
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#5
12-10-2007, 04:09 AM
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Please keep us informed how this goes! I can't believe they are stupid enough to put all of that in writing!! Good for u though!
 Score one for the good people, Ang __________________
You will not be punished FOR your anger; you will be punished BY your anger. --Buddah
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#6
12-28-2007, 11:22 AM
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Failure to Communicate Properly
When First National Collections called, they wanted to leave a number. Since the party in question was not available and had filed for bankruptcy, I tried to give them the attorney's phone number, but they hung up on me. Guess they didn't want to save themselves some time, and the expense of phone calls!
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#7
06-24-2008, 05:56 PM
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Fiirst National Collection Bureau Inc
I just got a letter from these individuals trying to get me for more than $50k. In the letter they say I owe money to Chase Bony. I never made business with them and even worse they say that I have to send them a letter in 30 days to let them know I do not owe any money...
This is a big scam and somebody has to stop this if you know of any Class Action please let me know so I can put my name on it.
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#8
06-24-2008, 05:59 PM
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First National collection Bureau Inc
Does anybody know any class action against these individuals?? I want to put my name on it... They just sent me a letter saying that I owe more than $50K to Chase (something is not true) Does anybody know the name of the Attorney I have to contact?
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#9
10-29-2008, 07:20 AM
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First National Collection Bureau
I recently received a letter in the mail stating the same thing. the letter letter is titled Credigy Receivables. It states there is already a judgement against me confirming my liability. I am concerned at how they got info from my bank and what I can do about it. I will be letting my bank know today.
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#10
11-06-2008, 03:54 PM
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to all
when you create a debt that you cant remember but your ssn is attached n its a judgement maybe you should check with your credit report for public records,check with laws in your state regaurding length of times that a judgement can stay in affect,also you cant get a judgment fraudulantly there are many steps that take place
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#11
02-25-2009, 12:21 PM
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First National Collections
They have sent me notices from a past due bill that HAS been paid off 4 yrs. ago. I have proof from a credit report from Trans Union stating debt paid in full, yet they want money. Who are these guys? Where do they get off on sending me a bill that has been paid off.They have hassled my parents via phone calls and letters as well. How can I sue these guys or get them off back help !
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#12
03-14-2009, 07:00 AM
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I've now received two collection letters for my ex-husband. (We've been divorced almost 10 years, so I know my name wasn't on any credit applications he made.) I send these idiots a letter after the first notice and am getting ready to send another. This time I'm threatening legal action for harassment. Anyone know a lawyer who would take this pro bono? Like many of us, I'm pretty broke.
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#13
03-14-2009, 07:16 AM
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EdCombs (Chicago) has helped me on several occassions. They are a consumer rights attorney. I don't know if they practice outside of IL, but maybe you could contact them to see if they could recommend someone in your area.
They won 2 cases on CL FDCPA violations & gave me advise on another. First case was Class Action, 2nd was the one I described in my original post here & I won $2,500. I have no idea what EdCombs got, but who cares. I never had to go to their office. I've never even met them. All I did was contact them because I was questioning a CL - they asked me to send letter over. If they think it's worth their time they take your case & do everything for you. I never even had to go to court - both cases were settles out of court. I could be wrong on this, but if you want to hire an attorney I suggest looking for a big firm that specialized in consumer rights - not just some guy out of your local phone book because that guy (I think) you will wind up having to pay retainer fee just to take your case. I think when you go with a bigger firm that specialized in consumer rights they can tell by looking at your documents if they are going to win - this way they can be selective about who they help. If they think you have a good case that will undoubtely put money in their pocket as well - they take it. If it doesn't look worth their time they pass. The little guy in the phone book will probably take any case that comes his way & if you loose you will still have to pay him. Just my thoughts, but I could be wrong.
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#14
03-14-2009, 09:03 AM
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Thanks munchkin! I'll keep that in mind if I need it. I have a pretty solid case. I've never heard of the credit grantor, my name isn't on the collections letter, I have absolutely zero outstanding debt (pay cash whenever you can!) and a combined 750 credit score.
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#15
03-14-2009, 08:32 PM
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I received a letter from First National Collection Bureau, Inc. today (3/9/09) stating that a delinquent account has been assigned to them by Security Services, LLP with the original creditor being General Electric Capital. As in a previous complaint in 2007, they offered a 60% discount payable in 2 payments of $57.53, with each payment due within 30 days of the pervious (they misspelled previous) payment. You would think they would check the Internet and see all these complaints - I've never heard of the company they are saying I owe $191.78 to. I'm going to return the letter and suggest they google their company with "scam" at the end of their "company" name.
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#16
03-27-2009, 09:54 AM
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I received a collection letter from First National Collection Bureaua also. I guess they bought a debt from the original collector, RJM Acquisitions. This debt is from a closed bank account from a bank that was bought out and no longer in business. My credit report states this debt is owed to RJM, not First National Collection. Who should I pay the money to? If I pay First National, how do I get RJM off of my credit report? From what I have read, I'm not too sure I want to deal with First National if I don't have to. HELP!!!
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