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.
Sun, 12/09/2007 08:08
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.
By signing up a debt counseling session, your provided details (Name, Email ID and Phone No.) will be forwarded to the company advertising on the DebtCC. However, you have no obligation to use their services.
Some creditors and collection agencies refuse to lower the payoff amount, interest rate, and fees owed by the consumer.
Creditors/collection agencies can make collection calls and file lawsuits against the consumers represented by the debt relief companies.
Debt relief services may have a negative impact on the consumer's creditworthiness and his overall debt amount may increase due to the accumulation of extra fees.
The amount which the consumer saves with the use of debt relief services can be regarded as taxable income.