First National Collection Bureau, Inc. (FNCB) is a third-party collection agency based in Nevada. FNCB has received consumer complaints alleging violations of the Fair Debt Collections Practices Act (FDCPA) such as making false statements and attempting to collect debts not owed. If you have been contacted by this debt collector, understand your rights before responding.
The harassing company pays our fees.
They’re legit. According to the Better Business Bureau (BBB), FNCB is a legitimate debt collection agency, founded in 1983 and incorporated in 1992. The BBB opened its file in 1992, four months after incorporation. FNCB is headquartered in Sparks, NV, but the BBB also lists an address in Oaks, PA. They are listed as a corporation and a collection agency. Buzzfile estimates FNCB’s annual revenue at $6.6 million and lists them as a collection agency that does not operate in the real estate business.
FNCB is a third-party collection agency. They do not purchase debt, and they do not own any of the delinquent accounts they attempt to collect. FNCB accepts collection contracts from a variety of creditors, including major bank credit cards; retail credit accounts;telecommunications companies; auto loans; judgements; and any other company with legally verifiable past-due accounts.
FNCB’s public-facing website consists of only one page. Site visitors can enter their username and password to access the payment portal. Site visitors without a username and password can register using the website. The site also provides the option of making a payment by phone for those who do not wish to register.
FNCB’s website does not contain any information about the company. There is a window that lists some of the legal rights of consumers in the states of California, Colorado, Minnesota, Massachusetts, New York, and North Carolina. There is an additional legal disclaimer about Electronic Funds Transfers. There are no external links or references to outside consumer resources.
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.
As of September 2017, the BBB has given FNCB a rating of B-. The BBB has closed 363 consumer complaints against FNCB in the past three years, with 49 closed in the past 12 months. Almost all of these complaints allege problems with billing and collections. Since March 2015, the Consumer Financial Protection Bureau (CFPB) has closed 155 complaints against FNCB. Justia lists at least 22 cases of civil litigation naming FNCB as a defendant.
First National Collection Bureau, Inc.
610 Waltham Way
Sparks, NV 89434-6695
Telephone:(800) 824-6191
Website: https://billpay.fncbinc.com/users/login
It is illegal for a debt collector to make empty threats to sue you or garnish your wages. It is also unlikely FNCB 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!
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Unlawful Debt Harassment? Learn the Law & Sue the Collector.
Absolutely. You can sue a debt collector. Here is a Sample Case Filed in Federal Court:
In June 2011, in United States District Court, Southern District of Florida, a judge issued an Order Denying a Motion to Dismiss in a complaint brought against FNCB for alleged violations of the Fair Debt Collections Practices Act (FDCPA). In this case, the plaintiff originally charged that FNCB representatives placed telephone calls to him in an effort to collect a debt but failed to either disclose their status as debt collectors or to make any other meaningful disclosure of their identity. The plaintiff prevailed in his effort, and FNCB was found to have violated the FDCPA’s provisions against collection activity that is meant to mislead.
The original complaint also included Jefferson Capital Systems as a co-defendant, and the plaintiff charged that Jefferson should be held equally liable. FNCB sent the plaintiff an Offer of Judgement for “statutory damages in the amount of $1,000, plus one dollar, under the FDCPA, plus reasonable attorney’s fees and costs incurred.” FNCB included in the Offer of Judgement a statement that the Plaintiff had agreed thereby to “resolve the claims against both Defendants.” In the June 11 hearing, the plaintiff pressed his charge that Jefferson also should be held liable for the violation. FNCB and Jefferson argued that the judgment had been for the maximum statutory amount of damages for the cited violation that the plaintiff had already accepted, which had “provided all Plaintiff could hope to recover in this case. Therefore, Defendants argued that Plaintiff’s claims [were] moot, the Court no longer had subject matter jurisdiction over this action, and the case must be dismissed.”
The court disagreed, citing precedent that the Civil Rule of Procedure the defendants were relying upon supported non monetary as well as monetary relief. The plaintiff was not concerned merely with monetary relief for legal violations. In addition, he was concerned with establishing a legal precedent that held both FNCB and Jefferson liable for misconduct. The court agreed, indicating that Congress “enacted the FDCPA ‘to eliminate abusive debt collection practices by debt collectors, to insure that those debts collectors who refrain from using abusive debt collection practices are not competitively disadvantaged, and to promote consistent State action to protect consumers against debt collection abuses.’” As a result, the “Defendants’ Joint Motion to Dismiss for Lack of Subject Matter Jurisdiction was DENIED.”
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).
Consumers have reported this agency harassing them from the following numbers:
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.
You may have a case, if…
“I was so excited when you told me about the positive outcome of the lawsuit. If the need ever arises again, I will not hesitate to call your office or recommend your law services to a friend in need.”
“Thank you, thank you, thank you! I couldn’t be happier with all the hard work your office has done for me. I feel throughout the whole process I was kept informed, and my questions were always answered completely. The calls have stopped, I no longer have a mountain of junk bills piling up, and I owe it all to Lemberg Law.”
“I found your website. I filled out the information and much to my surprise received a call back within the hour. She listened intently and addressed each one of my concerns. She immediately forwarded me an email and advised I would not be charged for services rendered. She made me feel confident and assured, and that someone was in my corner.”
Chances are good that we can help. Call us today and we’ll explain.
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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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First National Collection Bureau, Inc. has been contacting me by phone and mail for several days. The debt they are trying to collect is one that was charged off in a legal bankruptcy. This bankruptcy was handled in a Federal court almost 20 years ago! Also, they’re claiming that a judgment was rendered against me by some court on 5/10/2013. This is the first time I’ve heard of this! The current creditor is LVNV Funding LLC, which I’ve never heard of, either. In a week’s time, I’ve received two phone calls and one letter from First National. I have responded to the letter with my own letter and will mail it certified to First National today.
I have received a debt notice from First National and it is for a bill I do not recognize as mine. It is for a Capital One account and I have never applied for a Capital One card.
Just received the call from First National Collection
Reno Nevada during my work time from the # 857-216-6553
Attempting to claim Attorney General Law suite
Failed to provide the date of the Debt. Amount owed
Claiming the knowledge of my social security number and mailing address
Furthermore attempting to read me my Constitutional Rights with respect to Commonwealth of Massachusetts.
When asked about the Governmental Authority Batch Number or a bout the warrant failed to provide by starting with different statements having a significant Spanish accent while reading different sentences of the script. Claimed a Supervisory Role in the Company and furthermore had failed to provide Massachusetts Collection License Number with respect to Massachusetts General Law of Collections
Received a letter from FNCB contact Ed them says there no account
I am getting up to 2 to 3 calls most every weeknight saying that an unpaid CHASE credit card debt was not repaid to CHASE in late 2007.
The smooth fast talker says it’s for the amount of $2234.00.
Not that it matters, but after losing everything during the 2007-2008 bank crash, the family business, plus all properties included.
What’s next?
First National Collection has all of a sudden listed on my credit report that I still owe and this account has been closed years ago. I need help getting them off