First National Collection Bureau [FNCB]
Reviews and Complaints

I received a vague letter from this agency that include very little infirmation to believe it is valid.. They are stating they are working for First National bank of Omaha

Debt description:Rakuten for $887.38

For the account ending in 6508. They are attempting to offer me a settlement for a debt of either $443.68 or 4 payments of $110.92. With no reason to believe this has been brought to the court as is the law.

I believe the debt is beyond the statue of limitations in Maine and they are in violation of this: They did not disclose the last payment on record or closing date of this account.. The violation are as follows:

Acting on time-barred debt. A debt collector may not initiate a collection action when the debt collector knows or reasonably should know that the collection action is barred by the limitations period as set forth in subsection 8.

[PL 2015, c. 272, §2 (NEW).]

8. Limitations period for debt collectors. A debt collector may not commence a collection action more than 6 years after the date of the consumer's last activity on the debt. This limitations period applies notwithstanding any other applicable statute of limitations, unless a shorter limitations period is provided under the laws of this State. Notwithstanding any other provision of law, when the applicable limitations period expires, any subsequent payment toward, written or oral affirmation of or other activity on the debt does not revive or extend the limitations period.

[PL 2015, c. 272, §2 (NEW).]

I believe there are other violations also..Please look into this matter..I am also requesting a cease and desist order as well as any and all negative information to be removed from their possesion..I never entered a agreement to involve themselves in this matter.. Never was informed by the original creditor..When this situation occured..I had became ill and filed for ssdi. I contacted the creditor and explained my hardship never to hear from them again on the matter...I am protected under federal law from garnishment etc .

I am just a regular citizen and don't know the legal wording..Hopefully I explained my complaint clearly..

Yours truly,

Stephen Moore

Items was reported stolen to Matteson by Apointment in Cabot, Arkansas by Federal Bureau of Investigations, 24 Shackleford West Boulevard Little Rock, Arkansas in Pulaski County phone number [protected] ext 45633 and fax number [protected] on August 19, 2018 a 41 minute typed and record phone call to 2 real female FBI agents not answer machine, and 2 Federal Bureau of Investigations agents in person on July 24, 2020 and 4 secret service agents in person on March 12, 2021. Attorney Clifford J Henry 501-329-5623 and fax 501-329-7816 chenry@conwaycorp.net 629 Locust Avenue, Conway, Arkansas know stuff was stolen from Fountain Lakes Apartment, Benton, Arkansas per Circuit Court judge Gary M Arnold [protected] and no writ of prosession by Sheriff Rodney Wright of Saline County, Benton, Arkansas and old Sheriff Bruce D Pennington Racketeering convicted by Federal Bureau of Investigations in 2013 and stealing money from county and $100, 000 wire fraud in Fayetteville, Arkansas in 2015. They have to sue Old Manager Nashua Hughes and her husband William Hughes aka William Stacey on Facebook they stole all my property with no writ of prosession May 08, 2018 per Federal Bureau of prison, 1400 Dale Bumpers Drive, Forrest City, Arkansas in Saint Francis county [protected], [protected] and fax number [protected].

I paid this account off and my bank has copies of cashiers check for future problems with other people claiming this account. It got paid 2014 and this card was over 10 years old. On my credit score shows paid off. Where they got this information from is beyond me. I think this is a scam and I probably would of paid it again. So I got a lawyer here in Alaska that will deal with this if needed.

I just received a letter from this company telling me I owe $929.92 from at&t Direct TV which I never had any dealings with in the past for as long as I been here in Louisiana and further more I have not received any bills from at&t/Direct TV either regards to this issue with FNCB, Inc. I will report this to IC3/FBI.

I received a letter today from these scam artists trying to tell me that I owed $124 to a bank that I have never dealt with in my life! I phoned them and got a very abusive young man who when I refused to verify my SSN told me in no uncertain terms that I would "Pay extra for trying to lie to us"

All I was trying to ask for was how I could be liable for a bank debt in Florida when I have always lived in WA and nothing has appeared on any of my credit reports for at least the past 8 years regarding this bank account (Wachovia). He again got abusive and assured me that they had the proof and would look forward to making me pay at least double in court if I chose to continue denying that I owed them and didn't settle either straight away or by using their payment stub within the next 30 days.

At this point I was getting more than a little frustrated and annoyed but I know better than to lose my temper when a conversation might be being recorded so I politely told him that his company could expect a registered letter from me within the next 7 business days disputing their claim and asking for validation and not verification as their original letter stated they would provide. He laughed at this point and said they are both the same so please go ahead.

Now having had to deal with bottom feeders like this once before I took great delight in informing him that they are not the same and simply saying you have verified a debt is not the same as legally validating it by supplying full proof.

At this point he hung up on me!

So first thing tomorrow my letter will be sent with return receipt requested along with a filed copy of the contents ;) It will be interesting to see what their reaction will be as I get the feeling that this company deals in long noncollectable zombie debt and just tries to use threatening tactics to get people who either don't owe the debt or are outside the SOL to pay them.

I received a letter today dated January 25, 2011, advising me that my "delinquent account" has been assigned to their office for collection by Midland Funding. The amount is for 2, 321.79. First off, I do not know who Midland Funding is. Second, they tell me I can use a credit card to pay them! They ask for five payments of $185.74. They sent this to my married name. Any debts I may have have been incurred under my maiden name. Am I correct to ignore this?

This company called me and said I owed $8, 100.00 on a Ford truck I had repossesed from me in early 2002. First of all that debt is past the statute of limitations - if there ever was a debt. I say if there was a debt because I paid for the repossesion and paid the IRS about $3, 000.00 in 2003 for the "bad debt" - that the real financial company holding the contract - wrote off as bad debt.
So somehow this company has a way to dig up "historical debt" and try to convince you is is "real debt" that they hold over you.
That is DECEPTIVE PRACTICES and AGAINST THE LAW!
The Federal Trade Commission (FTC), the nation’s consumer protection agency, enforces the Fair Debt Collection Practices Act (FDCPA), which prohibits debt collectors from using abusive, unfair, or deceptive practices to collect from you.

I have been verbally harassed by two employees of this company about a debt I owe on an old cell phone bill with AT&T. I have attempted to work with this company to pay my bill, however they refuse to accept that I can only afford to pay $50.00 a month and screamed at me on the phone demanding $100.00, this horrible womain (Alden) who screamed at me and actually had me in tears. What is my recourse? I talked to the manager and he was just as bad, I am thinking of suing as I have attempted to make arrangements to pay on this and they will not accept my offer. I only owe 264.00 total. I do not want to deal with this company and refuse to talk to them on the phone. It can't possibly be legal the way they are going about this.

10/11/2009 9:00AM Call received from First National Collection Bureau (Automated Call) This is the 4th automated call received from this company in the past 3 weeks. The call states they are looking for a Christopher Smith and if there is no one here by that name to press a 1 or 2 (not sure which) to stop receiving these calls. We pressed whichever number would show no Chris at this number on all previous calls, but have kept receiving the calls.

We have had problem with this company in the past over the same issue but they kept calling us anyway even though we called and spoke with several different people and one supervisor and informed them that no Christopher has ever lived here. After speaking with a manger, Dwayne Walker, once before, the calls stopped for a short time and then began again recently.

I spoke with Dwayne Walker again today, 10/12 at 12:05PM and he assured me that no further calls would be made to our phone number.

They are sending me letters trying to collect on an old debt from AT&T wireless. I was an employee for 2 1/2 years and when I left the company they said I owed for early termination of contract. That was over 7 years ago. I called AT&T and they searched for me by my name and SSN and could not find me in their system. I was told that if I had an outstanding debt that I would be in the system. He searched back 15 years.

This company is now calling and harrasing my wife and I. We had our home number changed in April and the previous person must have been in serious financial shape. We have told them OVER and OVER that who they are calling does not live here and never did, and they are calling the wrong number. They will not stop calling. I have notified The Verizon Unlawfull Call Center and the State Attorney General's Office. I don't know what else to do, but shut our phone OFF for good.

I received a letter from this company offering a settlement for a debt that was suppose tobe my husbands. I requested the original contract and the date it was open but they did not seem to want to send that to me. Tonight A call came intomy home from someone named Manual and my daughter got the call. She took a message and this Manual gave her the information that he was from a collection agency and he had the info I was requesting andleft a number to call him back. I called him back and beleive it or not he was not available to talk to me. He knew he was wrong leaving that kind of message with my daughter and really wrong when he gave me all the information last time on the phone and I told him my husband and I were divorced. He knew it before all the private information was given to me. Now I will be turning them in for this.

I recieved about 4 automated calls today all of which were to my personal cell phone. I waited on the phone each time for at least 10 minutes wasting my cell phone minutes in the process, finally a representative gets on the phone on the 4th call and says i owe them $2400.00 on a capitol one card that i took out in 1998. It is July 16th 2009. They are calling me about a charge that was made in 1998? That is over 11 years old which my ex wife took out in my name during that time. The maximum limit on that card at the time was $300.00 not there saying after 11 years i owe them $2400.00? They also said they been trying to reach me at 2 different addresses that i have not lived at in over 7 years. They also said this is not on my credit but i still owe them the money. I basically told them to go [protected]@ck themselves and i was not paying them a dime. This should have been taking off my credit years ago and that this is just harrassment at this point. They even had the last 4 of my social which is scary to me. I googled this company online and saw that they are on numerous blacklist sites for harrasment. [redacted].com had quite a few articles on them. Now i have to contact all 3 of my credit bureaus to get this straightened out. What a nightmare!

This company has repeatedly called me on my cellphone, and then is unable to find any records for me under my name or telephone number. I have asked them repeatedly to stop calling me unless they actually have reason to do so. My credit is excellent and I have no overdue accounts.

Received a collection letter from the company informing me of a $2, 000 debt. The original account was opened by a person in Los Angeles, CA. I have had previous bills sent to me with the same information. A previous account was proven to be fraudulently sent up. The individual lives/lived at 1140 W 90th St. Apt. 1 Los Angeles, CA [protected]. My social security number was used in obtaining this account. I have never lived in Los Angeles and submitted bills proving my residence at the time of the setup of the cable/ internet .

I have been getting calls from this collection agency every day for over a month now. I tried to call back to inform them that the person they were looking for is not at the number they have on record. But the furthest I can go is a prompt to wait for a live agent. And that live agent never gets only...

This is getting very annoying, especially they show NO consideration when calling during the weekend at early hours of the morning or at dinner time. I find this very unprofessional and very rude on their part. I wonder if this company even revelant because there were a few tims when I answered the phone, I got an automated voice system stating that if I am not so-and-so, then hangup immediately. Which I did! Thinking that they will get the message and remove my name from their calling list. But NO! The calls keep on coming, more frequent now. I doubt that I could get any response from anybody if this is the way they operate their business. I sure hope they are charged for long distance calls... If so, I will leave my phone on for hours...

I wish not having to change my phone number because of just one uneducated organization. I sure hope this will put a stop to this mess somehow.

Thank you for letting me vent and for provide me ways to deal with such annoying business operation of this firm.

Diane

I have had the horrible experience to work at this organization and this individual Diane Hall should be fired and sued for the tactics that she encourages and uses to try and collect monies for financial obligations. I guess they have never heard of the Fair Debt Collections and Privacy Act, or she can not read. I have witnessed first hand her gross and blatant violations of the FDCPA.

I just can not believe that the company would allow such a liability, I give this company a very short time before the doors are shut and they are the ones in collections.