First National Collection Bureau Inc or FNCB 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 First National Collection Bureau?
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.
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 First National Collection Bureau a scam?
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.
Who does First National Collection Bureau collect for?
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.
How many complaints are there against First National Collection Bureau?
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.
Can First National Collection 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 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!
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.”
First National Collection Bureau 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).
Consumers have reported this agency harassing them from the following numbers:
Can I sue FNCB 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.
Want to Stop First National Collection Bureau Debt Collection Harassment Now?
“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.”
Can You Help Me Delete First National Collection Bureau from My Credit Report?
Chances are good that we can help. Call us today and we’ll explain.
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.
About the Author:
Sergei Lemberg is a lawyer whose practice focuses on consumer law, class actions and personal injury litigation. He has been repeatedly recognized as the “most active consumer attorney” in the country. In 2020, Mr. Lemberg represented Noah Duguid in the United States Supreme Court in the case entitled Duguid v. Facebook. He is the author of Defanging Debt Collectors, a book that teaches consumers how to battle debt collectors and win.