We Help Stop Financial Credit Network FCN Collections Harassment

How To Put An End to Unwanted Calls and Debt Collector Abuse and Threats.

Updated on Author: Sergei Lemberg

Updated on Author: Sergei Lemberg

Financial Credit Network FCN
Financial Credit Network Inc or FCN is a debt collection agency, which receives a lot of consumer complaints to our law firm for debt harassment. Find out who they are, why they might be calling, and how you can stop them.

What is Financial Credit Network?

Financial Credit Network , Inc or FCN is a third-party collection agency based in Southern California. FCN has received consumer complaints alleging violations of the Fair Debt Collection Practices Act (FDCPA), including threatening to take actions that cannot legally be taken and attempting to collect debts not owed. If you have been contacted by this debt collector, make sure you understand your rights before responding.

Have questions? Call us now at 475-277-1600 for a Free Case Evaluation.

Our services are absolutely FREE to you.

The harassing company pays our fees.

Is Financial Credit Network a scam?

They’re legit. According to the Better Business Bureau (BBB), Financial Credit Network, Inc. is a legitimate collection agency, founded in 1954 and incorporated in 2002.  The BBB established a profile page for FCN in 1989. FCN is listed as a collection agency. Buzzfile estimates Financial Credit Network’s annual revenue at $6.6 million and the size of its headquarters staff at 50 employees, with an estimated 65 total employees across all locations.

According to its website, FCN “has been in the debt collection business since 1954.” Their “corporate office is one of Visalia’s premier historical landmarks, providing an unprecedented work environment within the collection industry.” FCN cites as its strength “the belief that people matter,” and that kindness is “the magic behind collecting money.”

FCN employs a 4-step collection process. In Step 1, collectors “can quote a rate and get an agreement in [the client’s] hands.” In Step 2, FCN initiates the collection process by entering account information into their system. In Step 3, FCN’s collection staff begins sending letters and making phone calls. In Step 4, recovered funds are returned to the client at the previously agreed rate.

Who does Financial Credit Network collect for?

Financial Credit Network accepts delinquent accounts from a variety of industries. Medical clients include hospitals, clinics, labs, doctor’s offices, and billing companies. Utility clients include gas, electric, water, and waste management service providers. Government clients include judicial councils and city and county agencies. FCN also collects delinquent debts for local businesses.

The FCN University provides web-based training in topics such as web portal administration, legal collection practices, dispute resolution, and litigating delinquent accounts. FCN’s Resources page includes links to the Ask Dr. Debt website, the Federal Trade Commission, and the three national credit reporting agencies.

Who are we? We are Lemberg Law, a Consumer Law Firm

Lemberg Law is a consumer law firm helping victims of collection harassment and abuse. We are ranked A+ by the BBB. We’ve helped more than 15,000 consumers stop harassment and recover money from debt collectors. Harassed? Abused? Misled by a collector? Call our Helpline today!  There is no charge unless we win.

How many complaints are there against Financial Credit Network Inc – FCN?

The BBB has closed 20 complaints against Financial Credit Network in the preceding 3 years, with 7 complaints closed in the past 12 months. About half of those complaints alleged problems with billing and collections, with several complaints also alleging problems with sales and customer service.  Since August 2015, the Consumer Financial Protection Bureau (CFPB) has closed 46 complaints. Justia lists at least 9 cases of civil litigation involving FCN.

Contact Information

Financial Credit Network, Inc.
1300 W. Main St.
Visalia, CA 93291-5825
Telephone: (559) 733-7550
Website: http://fcnetwork.com/

Can Financial Credit Network Sue Me or Garnish My Wages?

It is illegal for a debt collector to make empty threats to sue you or garnish your wages. It is also unlikely FCN would sue you for a debt you may not owe or they cannot validate. However, debt collection agencies are known to have summoned debtors to court and garnish wages after a default judgement. Contacting an attorney BEFORE this could possibly happen would be a smart move. We’ve helped thousands of consumers fight back against unscrupulous debt collection harassers. Find out if we can help you too today!

Get Free BBB A+ Attorney. Call 475-277-1600 NOW

Unlawful Debt Harassment? Learn the Law & Sue the Collector.

Can you help me file a No Fee Lawsuit against Financial Credit Network Inc – FCN?

Absolutely.  You can sue a debt collector. Here is a Sample Complaint:

Complaints against Financial Credit Network commonly cite problems resulting from rude and unprofessional customer service and disputes about the accuracy of accounting methods. In September 2017, a complainant indicated that she had contacted FCN to pay off a delinquent debt that had been sent to collections two years previously. The complainant stated that she had “offered to pay the balance in full… the following month, but…FCN refused to take a payment for the following month without putting any money down immediately.” The complainant stated that she was surprised that FCN’s representatives were displeased that she had contacted them voluntarily to pay off the account. In addition, the FCN representative was allegedly “rude, condescending, … interrupted …her numerous times, …and made…her feel bad about not paying it off immediately.” The complainant stated that FCN gave the impression that paying the debt in full the next month wasn’t good enough.” The complainant had “never been treated so poorly when attempting to pay off a bill…or debt, which was …. especially upsetting since… she was the one that reached out to them.” The complainant also stated that she realized that “everyone that works at FCN is there to do a job, but being nasty to… customers that are offering to …provide their debit card information to pay off a debt… doesn’t seem like a good business practice,” and that FCN should have “kindly asked her to call back next month and made a notation on …her account.” She concluded by stating that FCN “offered…her zero solutions unless…she was willing to give them money” up front.

In December 2017, a complainant indicated that Financial Credit Network had “been awful to” her. She had detected a delinquency that FCN had placed on her credit report. When she contacted FCN, she told them she “had not received any… correspondence from them regarding…her collections account, and if they had sent anything…they must have sent it to…her old address.” FCN allegedly told her that they “don’t need to send… bills or notify …her of her collection account because it’s …her problem and she just needed to pay.” In addition, FCN stated that “if she knew about it then she doesn’t need reminders.” FCN proceeded to inform the complainant that she “had 2 accounts open with them and that the total amount would… be $490 instead of the initial $226 they had mentioned.” The complainant indicated she was willing to pay the initial amount owed, but that “since she did not receive notice about the collections account being open she should not be held accountable for the accrued amount.” FCN allegedly responded that she “did not qualify for a payment plan and that it was her job to pay them what she owed for their services.” The complainant alleged that Financial Credit Network representatives were “rude and unprofessional and openly admitted to not sending…any notice of her collection account.”

Financial Credit Network FCN Calling You?

Federal laws protect you. The Fair Debt Collections Practices Act (FDCPA) regulates the behavior of collection agencies by prohibiting actions such as the use of abusive or threatening language; harassment; or the use of false or misleading information to collect a debt. The FCRA regulates how collection agencies and creditors report delinquent debts to credit reporting agencies. Additional consumer protection laws include the Telephone Consumer Protection Act (TCPA) and the Consumer Financial Protection Act (CFPA).

Can I sue FCN for harassment?

Yes. If you want to enforce your rights, or recover money for violations — you need to sue. Federal laws provide individuals like you with a means to seek monetary damages in court. For example, the FDCPA allows consumers who have been violated to recover damages of up to $1,000, plus attorney fees and court costs.

Stop Debt Collection Harassment

You may have a case, if…

  • You are receiving multiple calls per week from third party collection agencies.
  • You are receiving early morning or late night calls from debt collectors
  • You are receiving calls at work from a debt collection agency
  • Debt collectors are calling your family, friends, neighbors, or coworkers
  • Collectors are threatening you with violence, lawsuit, or arrest
  • A debt collector attempts to collect more than you owe
  • You are being threatened with negative credit reporting
  • A debt collector attempts to intimidate you
  • Criminal accusations are being made towards you
  • Use of obscene language during an attempt to collect
  • Automated robocalls are being made to your phone in an attempt to collect

What Our Clients are Saying

“I can not praise your service enough. I was lost and only really wanted my credit report cleaned up. You’ve gone beyond my expectations. Thanks again!”

“Thanks to the staff at Lemberg Law, I have peace of mind again. They worked quickly to find the harassing calls were super considerate when I talked with them. I love the hard work”

“Thank you so much! With your help the nagging collection calls have ceased! I was thrilled I was also able to get damages from the collection agency. I am unable to adequately express my joy. I am so thankful I made the call.”

”Lemberg Law has saved me from the endless calls, and harassing voicemails. They really do go to bat for you. I didn’t know that debt collection agencies can end up paying your legal bill. What a surprise, to receive free legal help. I’m very grateful for all the hard work they did to finally give me my life back.”

Can You Help Me Delete Financial Credit Network FCN from My Credit Report?

We can absolutely help. Call us today.

Share your story

Have you had a bad experience with this agency’s debt collectors? Sound off and share your experience with other visitors in the comment box below.

Sergei Lemberg

About the Author:

Sergei Lemberg is an attorney focusing on consumer law, class actions related to automotive issues, and personal injury litigation. With nearly two decades of experience, his areas of practice include Lemon Law (vehicle defects), Debt Collection Harassment, TCPA (illegal robocalls and texts), Fair Credit Reporting Act, Overtime claims, Personal Injury cases, and Class Actions. He has consistently been recognized as the nation's "most active consumer attorney." In 2020, Mr. Lemberg represented Noah Duguid before the United States Supreme Court in the landmark case Duguid v. Facebook. He is also the author of "Defanging Debt Collectors," a guide that empowers consumers to fight back against debt collectors and prevail, as well as "Lemon Law 101: The Laws That Lemon Dealers Don't Want You to Know."

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  • Angela

    They are calling me late and frequently. I have arranged payment. When I try to call them at 8am at their normal working hours, they do not answer, which I think is strange. But, they call me at 6:30 pm on a Friday or another odd time in the evening.

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