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 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!


Debt Samaritan
Posts: 1444
Credits: 16882.05

Sub: #1 Good, let us know how things
Tue, 05/14/2013 - 16:28

Good, let us know how things are going.


Sub: #2 First National
Tue, 05/14/2013 - 09:42

I was just contacted by these people for a debt from 2001, and while talking to them I pull up this website. Thanks for the info, I'm having them to send me a letter. They were trying to set up payment arrangements with me and I said no. I need this in writing


Sub: #3 Stop calling my cell phone
Fri, 02/15/2013 - 13:21



Sub: #4 This place keeps calling me.
Thu, 01/17/2013 - 13:17

This place keeps calling me. It's definitely NOT REAL, because I have only one thing in Collection, and that's based out of OH, and They call me on a weekly basis!


Sub: #5 First National Collections
Thu, 01/17/2013 - 12:52

Got a letter today saying I owed over 3000. for something that was paid over 13 years ago.  A credit card that was charged off from my bankruptsy in 2000.  I told her she would be hearing from my attorney, lol.  This has happened to me before with a medical bill that was paid and then 5 years later they try to come after us again for the same payment.  Never again will I be SCAMMED!


Sub: #6 I just got a letter from these idiots
Mon, 10/01/2012 - 20:10

Yeah right, I owe them almost $5000.00, they are dreaming and wishing. I never even had a Best Buy card. I am going to best buy and tell them about this since they are using their name saying i owe money and I am also a Best Buy platinum member or whatever they call it these days. I am hoping since i spend so much money at their store they might take action if I tell them I wont go to their stores anymore as a result of this scam. I am also complaining to the Attorney General. People like this are scum and I will atttack them with what I know as much as I can. This all happened after I cleaned up my credit report and now I owe nothing. They must have access to credit reports or something.


Sub: #7 502-565-1345
Fri, 06/08/2012 - 09:37

I want all of this information to come up when someone puts this number in. Nothing comes up if you just google the number. 502-565-1345. That's who this number belongs to


Posts: 15525
Credits: 135803.21104969

Sub: #8 nah
Mon, 06/04/2012 - 06:22

we don't think you are mean humanoid.stupid,evil,ignorant,and repulsive.not mean though.although your post is just like others of your dubious back to the phones creep.

giving hope to the hopeless,help to the helpless,and hap to the hapless.


Sub: #9 right?!!?!
Fri, 06/01/2012 - 23:04

lol i love how people just think we are so mean! and they think they know everything dont they!!! lol.


Sub: #10 No Problem
Fri, 06/01/2012 - 10:06

The only complaint I have is I sent a fax they never received even though I have the recieved report. For me this was identity fraud but I called spoke with Amadeus and he told me what I needed to do. He was professional and I never felt threatened. I will refax the dispute letter a copy of the confirmation and police report and also mail a copy. We will see how things go after all the information is received. Mine is a fraudulent DirecTV account that was opened at a family members home.

Add new comment

This question (Case Insensitive) is for testing whether you are a human visitor and to prevent automated spam submissions.
Share post

Page loaded in 2.684 seconds.