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Business Profile

Collections Agencies

First National Collection Bureau, Inc.

This business is NOT BBB Accredited.

Find BBB Accredited Businesses in Collections Agencies.

Complaints

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

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    Customer Complaints Summary

    • 79 total complaints in the last 3 years.
    • 19 complaints closed in the last 12 months.

    If you've experienced an issue

    Submit a Complaint

    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.

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    Complaint status

    Complaint type

    • Initial Complaint

      Date:02/01/2024

      Type:Billing Issues
      Status:
      Answered
      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 Collection Bureau, Inc., I do not have a contract with First National Collection Bureau, Inc., and they did not provide me with the original contract as I requested.

      Business Response

      Date: 02/01/2024

      Dear ***** -

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

      After review of the account we are not seeing anytime that you have disputed this bill or asked for any validation documentation.  If you had, we would have immediately put the account in a dispute status and notified the client.

      First National Collection Bureau, Inc. does not credit report and has no knowledge of what is being reported.  We also do not have any authority to remove or update credit reports.

      Your file has been closed in our office and sent back to the client for review.

      First National Collection Bureau, Inc.

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

    • Initial Complaint

      Date:01/29/2024

      Type:Billing Issues
      Status:
      Resolved
      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.
      First National Collection Bureau Inc. does not have a license to operate/collect debt in Washington state, where I live. Washington state is a closed-border state, all out of state debt collectors must have a license to collect debt from debtors in Washington state, therefore First National Collection Bureau Inc. is trying to collect a debt from me illegally. I'm requesting First National Collection Bureau Inc. to stop contacting me via phone, email, and mail. I also request First National Collection Bureau Inc. to stop any further attempt to collect this debt or I will be reporting them to my state's attorney general's office for trying to collect a debt while not being licensed in my state.

      Business Response

      Date: 01/30/2024

      ***** -

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

      Please find attached a copy of our Washington State license, we are in fact licensed in the State of Washington.

      However, we have closed your account in our office and sent back to our client. 

      First National Collection Bureau, Inc.

      ###-###-####

      Customer Answer

      Date: 01/30/2024



      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. It says you obtained the license in 2023, but I'm pretty sure y'all have been coming after me before that, so you were still trying to collect from me illegally, oh well though.




      Sincerely,



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

    • Initial Complaint

      Date:01/15/2024

      Type:Service or Repair Issues
      Status:
      Resolved
      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 has texted me twice in 2 months looking for someone named Lana Spicer and giving a reference number for some collection account, to my other phone ###-###-####. That is not me and I don’t know anyone by that name in Pittsburgh or the entire state of PA where I live. I don’t share that phone number with anyone, only myself. I want them to stop contacting me and remove my phone number.

      Business Response

      Date: 01/16/2024

      *******,

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

      You replied "stop" on 1/15/2024 and your number was immediately added to the "do not contact" database.

      You won't be receiving any calls or texts on this number.

      Thank you,

      First National Collection Bureau, Inc.

      Customer Answer

      Date: 01/16/2024



      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:01/15/2024

      Type:Product Issues
      Status:
      Answered
      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 keep calling asking for proof of account paid $0 balance no one can help me . paid and cleared on Jan 7th, everyday they saying it will be emailed still no email . buying a home and its stuck in underwriter due to this email being delayed for no reason . I paid in full *********************

      Business Response

      Date: 01/22/2024

      Dear ******** -
      We have received your complaint and have reviewed the account.

      The account was paid in full on 1/8/2024.  During the call with our agent, he advised that it would take 3 to 5 business days to receive. The request was again put in for the letter of release on 1/10/2024.  

      You then emailed the morning of 1/15/2024 and your letter of release was immediately emailed back to you.  The 3 to 5 business day requirement is for funds to clear the business bank account.

      ********************** does not credit report and has no knowledge of what is being reported on your credit.

      We are sorry for any inconvenience.

      First National Collection Bureau, Inc.

    • Initial Complaint

      Date:12/05/2023

      Type:Sales and Advertising Issues
      Status:
      Resolved
      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.
      Stop contacting me i don't owe you anything. Not a person in this world has an original debt with you and didn't sign a contract nor give anyone permission to share their personal information. Remove my phone number from your list, my number doesn't belong to the person you're looking for so STOP. CEASE AND DESIST

      Business Response

      Date: 12/06/2023

      Hi ****** -

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

      After reviewing the account, I do see that we texted you 1 time yesterday.  We did receive your 8 replies and your number was automatically placed on the do not call, do not text able.

      Please let us know if there is anything else you need.

      First National Collection Bureau, Inc.

      ###-###-####

      Customer Answer

      Date: 12/06/2023

      Good, shouldn've text my phone in the first place 

    • Initial Complaint

      Date:11/29/2023

      Type:Billing Issues
      Status:
      Answered
      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 received a text from this company attempting to collect a debt under the name of someone else that I don’t know.
      I am not the person they are looking for, this is not the correct phone number for this person.
      They need to remove my information from their system.
      Copy of text follows:
      FROM: FIRST NATIONAL COLLECTION BUREAU, INC.
      TO: *****
      We are contacting you regarding an important personal business matter.
      This is an attempt to collect a debt. Any information obtained will be used for purpose.
      This text is from a debt-collector.
      Call us at ###-###-#### or visit us online using reference number
      ********* at ***********.

      Business Response

      Date: 11/29/2023

      Hi **** - 

      Thank you for reaching out, we have received your complaint about having the wrong number on file.  

      After reviewing the file, you replied "stop" to the text today and that automatically places your phone number on the do not text / do not call table.  There is nothing more that you need to do as we will not be contacting you again.

      Thank you,

      First National Collection Bureau, Inc.

      ###-###-####

    • Initial Complaint

      Date:11/13/2023

      Type:Delivery Issues
      Status:
      Answered
      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 creditor is calling emailing and mailing me a bill for a date that has been paid off for more than a year. It was paid off through the courts through wage garnishment buy another creditor. I am literally being harassed by this company 10 or more times a day they do not own this debt they refuse to leave me alone. This debt has been paid.

      Business Response

      Date: 11/25/2023

      Dear Consumer,

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

      We have not received any dispute from you that you have paid this account in the past.  If we had received a dispute, we would have closed the account in our office at that time.

      Reviewing the account, there have not been 10 calls a day to any number.  Without having the number you say received 10 calls a day, we are unable to let you know the exact number of calls, if any.

      Your account has been closed in our office and sent back to the client with your complaint for review.

      If you have any other questions or concerns, please reach out to us at ###-###-####.

      Sincerely, 

      First National Collections Bureau, Inc.

       

    • Initial Complaint

      Date:10/20/2023

      Type:Service or Repair Issues
      Status:
      Answered
      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.
      They say I spent money on PayPal and they're collecting for that but my debt was settled by a different debt company, Midland Credit. And it also doesn't make any sense because it should say synchrony was the original debtor not PayPal; that's who issued the credit/debt: Synchrony. But now this company keeps harassing me. They say the last use of my credit was 12/2022. But my credit was cancelled months prior to that. And "PayPal" is not the one who issued the debt. It was a PayPal account but it was synchrony, who lent me that credit.

      Business Response

      Date: 10/29/2023

      Dear Consumer,

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

      After reviewing the account and reviewing the complaint with the client - the following is being provided:

      November 2017, PayPal announced it
      had agreed to sell $5.8 billion in consumer credit receivables to Synchrony
      Financial as a part of an expanded relationship between the two companies
      With the completion of the transaction, PayPal and Synchrony have extended
      their existing co-brand consumer credit card program agreement, and Synchrony is now the exclusive issuer of the PayPal
      Credit online consumer financing program in the U.S., through 2028.  As the debt was / is with Synchrony Bank, it is also categorized as Pay Pal.

      We would like to forward the proof that you paid Midland Credit to our client.  Please provide that to our mailing address or our email address.  The addresses are below.  We will not contact you again in regards to this account.

      First National Collection Bureau, Inc.

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

      Reno, NV  89501

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

    • Initial Complaint

      Date:09/07/2023

      Type:Order Issues
      Status:
      Answered
      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 collection bureau, inc I do not have a contract with them, and they did not provide me with the original contract as I requested. I demand this account to be deleted to my credit profile.

      Business Response

      Date: 09/12/2023

      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
      6/30/2023.  During the time of placement
      and 9/8/2023, we have not received any request for documentation or any
      communication from you.  Our client has
      provided validation documentation which is attached to this BBB response.  The account was opened on 11/21/2015, last
      charged on 04/21/2017 and last paid on 05/29/2019. 

      First National Collection Bureau, Inc. does not credit
      report and has no knowledge of what is being or not being reported on your
      credit.

      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:09/06/2023

      Type:Order Issues
      Status:
      Answered
      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 has been attempting to collect a debt that was paid over a year ago. Their contact person was very rude & threatening.

      Business Response

      Date: 09/12/2023

      Dear Consumer,

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

      After listening to the call with the 1st agent, we have concluded that the agent was not rude and not threatening.  She stated that you initially said that the account was not yours and then changed it to "I already paid that".  She was merely trying to understand if it was "debt unknown" or "paid prior".  We apologize if you felt the agent was rude or threatening.

      Your complaint has been forwarded to the client and the account is now closed in our office.

      First National Collection Bureau, Inc.

      ###-###-####

       

    First National Collection Bureau, Inc. is NOT a BBB Accredited Business.

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