Complaints

This profile includes complaints for First National Collection Bureau, Inc.'s headquarters and its corporate-owned locations. To view all corporate locations, see Find Local Branches.

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• 

  First National Collection Bureau, Inc.

  50 W Liberty St Ste 250 Reno, NV 89501

• 

  First National Collection Bureau, Inc.

  50 W Liberty St STE 250 Reno, NV 89501-1973

• 

  First National Collection Bureau, Inc.

  Dept # 21377 P.O. Box 1259 Oaks, PA 19456

• 

  First National Collection Bureau, Inc.

  PO Box 1259 Dept #21377 Oaks, PA 19456-1259

The complaint text that is displayed might not represent all complaints filed with BBB. Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business.

• Initial Complaint

  Date:06/07/2025

  Type:Billing Issues
  Status:

  ResolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I continue to receive this txt from F. N. C. B. N. V. a debt collection agency, although I have called them and spoke with rep: ***** *., who previously told me that my name matches the person in their collection files but my birthday does not. He said they would remove my telephone # from their files as I am not the correct person. . I do not have any outstanding debt from whom they claim or otherwise and want this error on their part corrected as my credit and credit score may be adversely affected by their mistaken debt collection report and attempt to collect this bogus debt from me. . This is the txt that I have continually received in the past 12 months. My Name,
  This is F.N.C.B.N.V.,Accounts Receivable Specialist. Contact us about Ref# xxxxxxxxx. Visit *********** or call **********. Reply STOP to opt out.

  Business Response

  Date: 06/09/2025

  Hi ******* - 

  First National Collection Bureau, Inc. has received your complaint and reviewed the file.  There was another file that was placed with us back in 2024, where ***** *. did remove your number.  This new file came over with your number again.  I have removed it and put it on the do not call table. This will eliminate any additional files that come over with the wrong number.

  Sincerely,

  First National Collection Bureau, Inc.

  Customer Answer

  Date: 06/10/2025

  
  
  Complaint: 23437862
  
  
  
  I am rejecting this response because it does address the fact that the three major credit bureau's may have been notified and  given false information about the debt being mine. Also,  my phone number was removed and put on the "Do Not Call List" in 2024 by Edward J., so is this an ongoing problem that will continue to happen every time a "new file" is received at First National Collection Bureau, Inc. ???  I do not want to only receive the communication txt that I have outstanding debt in Collection, but I want the issue of my phone number, address, and identity  removed permanently from being linked with someone else's debt and need FNCB to reach  out to wherever the "new files" are coming from to resolve the issue at its root.  I appreciate being my number being removed from the list, but I need my personal information UNLINKED to another person with the same name and their debt, or at least give me the details on where the "new files' FNCB receive come from and I will contact them myself, to ensure this does not continue going forward and effect my credit bureau rating and  FICO Scores.  Thank you. 
  
  
  
  Sincerely,
  
  
  
  ******* **********

  Business Response

  Date: 06/10/2025

  Dear Consumer,

  There is no personal information of yours tied to any file in our office.  It is a wrong number being placed on the file.  When you called in last year, ***** removed your number and did not state he was placing on the "do not call" list.  Once it is placed on the do not call list, any attempt to call it will be blocked by our system.  

  Since you are not the person that the file(s) belong to I cannot provide you information about our client.

  Sincerely,

   

  First National Collection Bureau, Inc.

  Customer Answer

  Date: 06/11/2025

  
  
  Better Business Bureau:
  
  
  
  I have reviewed the response made by the business in reference to complaint ID 23437862, and find that this resolution is satisfactory to me, but I fail to understand how you can say you have no personal information on me, when you have connected my phone number to another person with the same or similar name.  It seems to me that your company needs to get all its ducks in a row. 
  
  
  
  Sincerely,
  
  
  
  ******* **********

• Initial Complaint

  Date:03/19/2025

  Type:Customer Service Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  This company calls from a spoofed number, multiple times at once until you answer, using different numbers from your area code. When you do answer they blast on hold music for over a minute. When you finally get a human they want you to verify personal information without telling you who is calling (business name). When you finally get a employee to tell you the business name they want you to verify personal information by only answering "yes". Will not answer yes to a person trying to get a "yes" or to conceal the entity identity.

  Business Response

  Date: 03/20/2025

  Dear ******* - 

  First National Collection Bureau, Inc. has received your complaint and reviewed our files.

  After reviewing the recording from the call yesterday, the agent did provide our company name.  The agent was also proceeding with verification as required by law and company policy.

  First National Collection Bureau, Inc. has been in business for over 30 years and our calls are not scam calls.  If you would like to call our office and go over the file we have for you, please call 800-824-6191.  You will be required to verify your identity before going into details.

  Your number has been placed on "do not call".  

  Sincerely,

  First National Collection Bureau, Inc.

  Customer Answer

  Date: 03/20/2025

  
  
  Complaint: ********
  
  
  
  I am rejecting this response because:

  The person who called did attempt to conceal the business identity, I had to ask more than once to identify them. The number called from was listed as a personal number not a business. If this is the way they do business to corner someone then I will not answer or respond. 
  
  
  
  Sincerely,
  
  
  
  ******* ****

• Initial Complaint

  Date:03/14/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  1st National Collection Bureau called me trying to collect an alleged debt on behalf of Distressed Asset Portfolio. I have no agreement with either party nor have received any paperwork from them. Currently, the debt they're claiming to have ownership does not say it is owned by either of these parties (it says it is owned by *************** for, which I also dispute and will include in a separate complaint). Essentially, I have 3 different parties claiming to have ownership of this debt and/ or are trying to collect, all of which are hurting my credit. I have no contracts with them nor have received info from them other than **** calls during work hours. I would like to note I will be copying and pasting this paragraph for the other 2 complaints against the parties.

  Business Response

  Date: 03/20/2025

  Dear Consumer,
  First National Collection Bureau, Inc. has received your complaint and reviewed the account.
  

  ********************** is a third-party servicer.  Our client, Distressed Asset Portfolio I, LLC placed the account with us for *********************** on 9/12/2024.  Any collection notice we have sent you,provides our clients name of Distressed Asset Portfolio I, LLC.  Nowhere to we claim to own such debt as we are the servicer for our client. Distressed Asset Portfolio I, LLC is a subsidiary of ***************** 
  

  During the time of the placement in our office until today we have not had any correspondence from you requesting any documentation or verification of the debt.  We have sent you numerous communications to your email which was verified via your BBB complaint.
  

  First National Collection Bureau, Inc. does not credit report and has no knowledge of the status of any account on your credit report. 
  

  We have closed the account in our office and sent it back to the client with your complaint for further review.
  

  First National Collection Bureau, Inc.
  ************

  Customer Answer

  Date: 03/20/2025

   
  Complaint: 23066580
  
  I am rejecting this response because:

  I spoke with a *** from Unifund to confirm this that First National Collection is collecting on behalf of ********, and he provided me the phone # ************** to call First National. (On the same date) I called the number at 1:31 PM and ended the call at 1:47 PM. During the call, I spoke with a gentleman to discuss payment arrangements in good faith (after Unifund cleared up the confusion about how First National is associated). I brought up the term "cents on the dollar" in terms of negotiating a settlement, as this is a common way of speaking in terms of debt settlement. I offered 23 cents on the dollar, and the best he claimed to be able to provide was 50 cents on the dollar. There was back in forth in terms of negotiating (cordial on my part and not his). Towards the end of the call, I stated "If we can't get down to the 23 to 30 cent range I don't think we can come to an agreement today". He sarcastically and aggressively ***lied to my claim, saying something along the lines of (p "will gets some cents (sense) knocked into you". He was using the word play of "cents" and "sense" to make an abusive ********* to me.
  
  Under Prohibited Practices - Harassing, Oppressive, or Abusive Conduct - 12 CFR *******, "A debt collector may not engage, in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. For example:
  - USE OR THREATEN TO USE VIOLENCE or other criminal means to harm the physical person, ***utation, or property of any person.
  - Use obscene, profane, or other language, that abuses the hearer or reader.
  
  The *** with First National used the word play or "Cents" and "Sense" to state I will get sense knocked into me due to not agreeing to his terms. This phrase "knocking sense" is commonly known as a physical threat to correct a perceived thought. The ***'s ********* was a violation of Fair Debt Collection Practices Act, as well as unprofessional and not conducive to resolving matters like these. I encourage First National to listen to the call between me and their *** on 03/18/25 from 1:31 PM to 1:47 PM.
  
  I want First national/ Unifund to cease collection efforts altogether and remove the account on my credit ***ort.
  
  Sincerely,
  
  **** **********

  Business Response

  Date: 03/28/2025

  Dear ****,

  Thank you for reaching back out to us and letting us know about your experience.  Per your conversation with the Recovery Manager, we have taken steps to ensure that this will not happen again.  You were also able to work out any payment arrangements with the Manager. 

  We appreciate the opportunity to listen to your concerns and suggestions, therefore making the experience better with each consumer.

  Sincerely,

   

  First National Collection Bureau, Inc.

• Initial Complaint

  Date:02/18/2025

  Type:Service or Repair Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Fraudulent tactics. Uses a voice over internet protocol technology with Bandwidth.com that allows them to mask their real phone number to use a fake phone number using your local area code so you'll answer their calls. They leave voice-mail messages where the caller uses a murmured voice where you can't even understand what they say. Scammers. They send text messages without ever obtaining consent. Fraudulent company and illegal activity.

  Business Response

  Date: 02/18/2025

  Dear ***,
  First National Collection Bureau, Inc. has received your complaint.  At
  this time we are unable to locate the phone number you provided.  We are
  unable to take any action due to no additional verifying information. 
  Your name is a common name as well and we are unable to pin point it down to
  just your name.
  

  All phone numbers that are utilized by First National Collection Bureau,
  Inc. are owned by us.  We are not scamming or spoofing anything.
  

  Since we are unable to verify any information, we cannot verify the consent
  accusation that you are mentioning.
  

  If you would like to provide additional information so we can locate
  something for you, we are unable to comply with your request.

  First National Collection Bureau, Inc.

  ###-###-#### or [email protected]

• Initial Complaint

  Date:02/15/2025

  Type:Service or Repair Issues
  Status:

  ResolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Subject: Debt Validation Request Pursuant to FCRA & FDCPA
  
  To Whom It May Concern,
  
  I am writing to formally dispute the alleged debt referenced in your recent communication. Under the Fair Debt Collection Practices Act (FDCPA), 15 U.S.C. § 1692g, and the Fair Credit Reporting Act (FCRA), 15 U.S.C. § 1681, I am requesting written validation of this debt. Please provide the following information within 30 days as required by law:
  
  1. Proof of Ownership – Provide documentation showing that you have the legal right to collect this debt, including the original creditor’s name and any assignment agreements.
  
  
  2. Itemized Account Statement – A full accounting of the alleged amount owed, including principal, interest, fees, and how these amounts were calculated.
  
  
  3. Verification of My Liability – A copy of any original signed agreement or contract that proves I am responsible for this debt.
  
  
  4. Last Payment Information – The date and amount of the last payment made on this account.
  
  
  5. FCRA Compliance – If this debt is being reported to credit bureaus, provide evidence that your reporting complies with the Fair Credit Reporting Act and that the information is accurate, complete, and verifiable.
  
  
  
  Until you provide this documentation, you are legally prohibited from reporting this debt as "verified" to credit bureaus per 15 U.S.C. § 1681s-2 and must cease any collection activity per 15 U.S.C. § 1692g(b).

  Business Response

  Date: 02/16/2025

  Dear ****,

  You discussed this account with our agent on 2/10/2025.  Your account is in a disputed status and the client will be sending you the validation of the account.  Your file will also be closed and sent back to the client.

  First National Collection Bureau, Inc. does not credit report and does not know any statuses of accounts on people's credit reports.

   

  Sincerely,

  First National Collection Bureau, Inc.

  Customer Answer

  Date: 02/16/2025

  
  
  Better Business Bureau:
  
  
  
  I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me.
  
  
  
  
  Sincerely,
  
  
  
  **** ******

• Initial Complaint

  Date:12/30/2024

  Type:Service or Repair Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  my family members and friends have been receiving texts & calls from this agency which they have nothing tondo about. I want them to stop contacting menin any way.

  Business Response

  Date: 01/06/2025

  Dear Consumer,
  First National Collection Bureau, Inc. (“FNCB”), a third-party
  collection agency, received and reviewed your complaint.
  We reviewed our records on receipt of your complaint.  Your account was placed in our office on 12/26/2024.  During the time of placement and today, I saw
  1 text message sent on 12/30/2024 and no phone calls made to any number on this
  file. 
  Since your desired resolution is to cease contacting you,
  First National Collection Bureau, Inc. will close this file in our office and
  send it back to our client for review.
  Please feel free to contact us directly if you require
  further assistance.  We would be happy to
  provide it.  For your reference, our
  telephone number is ###-###-#### and our address is ** * ******* *** *** *** Reno NV  89501
  
  Sincerely,
  First National Collection Bureau, Inc.

• Initial Complaint

  Date:12/19/2024

  Type:Billing Issues
  Status:

  ResolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I am not liable for this debt with FIRST NATIONAL BANK OF OMAHA, I do not have a contract with First National Collection Bureau, Inc. they did not provide me with the original contract as I requested.

  Business Response

  Date: 12/30/2024

  Dear Consumer,

  First National Collection Bureau, Inc. has received your complaint and reviewed the file.

  This is not a complaint, but a dispute.  Disputed accounts have a process and the process has not been completed.  We have closed your account and sent it back to our client for review.

  First National Collection Bureau, Inc. does not credit report and has no knowledge of how or if accounts are being reported.

  Sincerely,

  First National Collection Bureau, Inc.
  

  Customer Answer

  Date: 12/31/2024

   
  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me.
  
  Sincerely,
  
  ***** *******

• Initial Complaint

  Date:11/08/2024

  Type:Billing Issues
  Status:

  ResolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I have received the following claim from Waldo and my account with Home adepto has been 0 for a long time Our Information Shows: Current Creditor: Portfolio ************************ Original Creditor: ********, N.A.Debt Description: THE **** DEPOT Original Account #: **********2490 Ref #: ********* Total Due: $1,192.40

  Business Response

  Date: 11/15/2024

  Dear *******,

  First National Collection Bureau, Inc. has received your complaint and reviewed our files.

  After extensive research, it has been concluded that you are not the person this was intended for.

  Please disregard and you will not be receiving any more communication from us on this file.

  Thank you,

  First National Collection Bureau, Inc.
  

• Initial Complaint

  Date:10/16/2024

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I'm receiving emails from this company stating I *** a debt and they have the wrong person. I do not have any credit cards, and have not had any credit card debt. I would like my name, email address, and phone number removed from their database

  Business Response

  Date: 10/23/2024

  ***** -

  First National Collection Bureau, Inc. has received our complaint.

  Your email address and phone number provided in this complaint have both been placed on the do not call / text and do not email tables - for an indefinite amount of time.

   

  Any questions, please feel free to call us at ************

  First National Collection Bureau, Inc.
  

• Initial Complaint

  Date:08/19/2024

  Type:Customer Service Issues
  Status:

  ResolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Phone number keeps calling me, I finally called number back, it was this company, I selected #3 to have my number removed, some guy answered with hello, I asked to be removed from the calling list, and he just went radio silence, he did not hang up, but even after saying hello, are you there several times I got nothing, but I could hear him breathing on the other end. This company is ridiculous and must not want their money too bad considering they can't even leave a message of what they are calling about.

  Business Response

  Date: 08/21/2024

  Hi ****** -

  First National Collection Bureau, Inc. has received your complaint and have reviewed the file.

  All call recordings begin recording when an agent picks up the line and begins to speak.  I do see an inbound call, but the system flagged the call as a hang up - there is no call recording due to an agent not picking up.  When the option to remove the phone number is utilized the system does not direct to a live person.  I apologize and wish that I can say what happened here.

  I have placed your phone number on the "do not call / do not text" table and you will not receive any additional calls from our office.

  First National Collection Bureau, Inc.

  ************

  Customer Answer

  Date: 08/21/2024

   
  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me.
  
  Sincerely,
  
  *************************