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First National Collection Bureau: How to deal with this collector

First National Collection Bureau Agency acts like a lot of other collection agencies when dealing with debtors. They try to scare consumers into paying their debts, send you fraudulent collection letters, and claim you owe money on an account you don't have. The following are some of the complaints DebtCC community members have made about First National collection.

  • First National Collection Bureau sends collection letters for debts that have already been paid on. Know more....
  • Consumers have been contacted by First National Collection Bureau for debts they never owed. Read more on this
  • First National Collection Bureau has made harassing calls to consumer's family members. Read more...
  • On one occasion, First National Collection Bureau falsely claimed to have gotten a judgment against a consumer. 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 pay them immediately. If you are not sure you owe the debt or think you have already paid it, send them a 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 file complaints against them with the FTC (Federal Trade Commission) and your State Attorney General's office.
  • When threatened with a judgment: If First National Collection Bureau claims that a judgment has been filed against you, check with your county court house before making any payment arrangements. There are several ways a collection agency can obtain a fraudulent judgment. If you have not been properly served with a summons, you may file a motion to get the judgment vacated.
Not to gloat - but I'm so glad I questioned the co...
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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!

Nice job munchkin! Way to question the verbiage on the letter!

Sub: #1 posted on Sun, 12/09/2007 - 08:22

volleyballmom volleyballmom

(Posts: 4143 | Credits: )

Way to go Munchkin!

Sub: #2 posted on Sun, 12/09/2007 - 10:41

unclewulf unclewulf
(Posts: 3172 | Credits: )

Another success story! A company being sued for it's own stupidity.

Sub: #3 posted on Sun, 12/09/2007 - 22:19

Law Student Law Student

(Posts: 1186 | Credits: )

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,

Sub: #4 posted on Mon, 12/10/2007 - 05:09

Ang Ang

(Posts: 2314 | Credits: )

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!

Sub: #5 posted on Fri, 12/28/2007 - 12:22


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.

Sub: #6 posted on Tue, 06/24/2008 - 18:56


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?

Sub: #7 posted on Tue, 06/24/2008 - 18:59


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.

Sub: #8 posted on Wed, 10/29/2008 - 08:20


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

Sub: #9 posted on Thu, 11/06/2008 - 16:54


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 !

Sub: #10 posted on Wed, 02/25/2009 - 13:21


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