First National Collection Bureau, Inc. CFPB Complaints

2000 Latest Complaints

Date Received	Timely Response	Product	Issue	State / Zip	Submitted Via	Tags
10/19/2015	Yes	Debt collection Credit card	Taking/threatening an illegal action Threatened to sue on too old debt	TX 78216	Web
RELIEF SOUGHT : I am seeking relief from any and all agents, clients, persons, individuals, entities, representatives, debt collectors, debt collection entities, debt collection servicers, and anyone and anything in a paid or unpaid connection or relation to any and all former, present, and future companies, entities, businesses, clients, and the like associations with LVNV Funding, XXXX ; XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX. ; XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX ; XXXX XXXX, XXXX ; XXXX ; XXXX XXXX ; XXXX ; XXXX, XXXX ; First National Collection Bureau , Inc. ; and anyone and anything that not specifically mentioned herein but may have been, may be presently, or may be future connected or related to any and all of the aforementioned. The aforementioned have claimed that I owe debt. Any and all claims and assertions that I owe debt are unsubstantiated and the alleged debt is time-barred. The aforementioned have sent me " Settlement Offer '' letters. I have not been sued, nor have I ever been served. The " Settlement Offer '' letters imply that I have been sued or will be sued if I do n't " settle. '' The aforementioned can not sue me on time-barred debt. The time-barred alleged debt allegedly has been time-barred for close to or over a decade. The aforementioned have failed to disclose that the alleged debt is too old for litigation and has implied a legally enforceable obligation to pay the alleged debt. To be clear : This complaint is not a dispute. I am not disputing nor acknowledging a debt or an alleged debt. I am not disputing nor acknowledging the amount of the alleged debt or any amount or portion thereof. I am not requesting documentation of the time-barred alleged debt. I am not seeking verification of the time-barred alleged debt. This is not a dispute, Section 809 ( c ) of the FDCPA, 15 U.S.C. Section 1692g ( c ). The aforementioned have violated federal and state law. I want the aforementioned to stop harassing me and to stop collection. I seek that aforementioned not sell or transfer to another the time-barred alleged debt so that others may not harass me over a time-barred alleged debt. Unless the aforementioned complies with my sought relief, I will pursue legal action. VIOLATIONS OF LAW : Sections : 1031 ( a ) and 1036 ( a ) of the CFPA, 12 U.S.C. Sections 5531 ( a ) and 5536 ( a ) : Unfair Deceptive and/or Abusive Acts or Practices by falsely representing the character and legal status of the debt. Section 807 of the FDCPA, 15 U.S.C. Section 1692e : Prohibits Debt collectors from using any false, deceptive, or misleading representation or means in connection with the collection of any debt. Section 807 ( 2 ) ( A ) of the FDCPA, 15 U.S.C. Section 1692e ( 2 ) ( A ) specifically prohibits the false representations of the character, amount, or legal status of any debt. Section 392.304 ( a ) ( 8 ) of the Texas Finance Code, Title 5 Chapter 392 Subchapter D : Fraudulent, Deceptive, or Misleading Representations by misrepresenting the character and legal status of the debt and implying the alleged debt is in a judicial or governmental proceeding. CEASE COMMUNICATION : Pursuant to Section 805 ( c ) of the FDCPA, 15 U.S.C. Section 1692c, I am writing that, upon closure of this CFPB complaint, I wish the aforementioned, debt collectors, and anyone and anything that not specifically mentioned but may have been, may be presently, or may be future connected or related to any and all of the aforementioned to cease any and all further communication with me. This notification from me to the aforementioned establishes, constitutes, and satisfies reasonably the requirements of Section 805 ( c ) of the FDCPA that my requests for cease communication must be in writing. Upon closure of this CFPB complaint, all communication must cease.
04/26/2015	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt was paid	CA 92869	Web
RE : CFPB Complaint # XXXX : Dear CFPB, I tried to dispute the Law Office of XXXX XXXX XXXX 's response regarding my complaint to your office online yesterday, but when I clicked on " submit, '' at the end of the CFPB dispute form, the computer froze, & I could not get the information to go through. Please tell the Chief Compliance Officer of the Law Office of XXXX XXXX XXXX that I am disputing his response to my complaint. XXXX of the corporate office ( of XXXX XXXX XXXX ) found my account number right away, at XXXX PDT on XXXX. The account number is : XXXX XXXX said, however, that XXXX XXXX XXXX does not handle debt release letters. XXXX then referred me to XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. told me, at XXXX PDT on XX/XX/XXXX, that my credit card debt had indeed been " repaid in full, in XX/XX/XXXX. '' XXXX XXXX XXXX XXXX. said they do not handle release letters either, though, and referred me to XXXX. I contacted XXXX, and was told they had merged with XXXX XXXX XXXX. I then contacted XXXX, in XXXX, CO, via email from their website, at XXXX PDT on XX/XX/XXXX, giving them my account number, and requesting a debt release letter. I also requested that they notify the credit reporting bureaus that my debt had been repaid in full. XXXX can be reached at:XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX CO XXXX. Their email address is : XXXXXXXXXXXX. I received an automated response back from XXXX XXXX XXXX, at XXXX XXXX on XX/XX/XXXX, saying they would get back to me " in 2-3 days. '' I never heard anything back from them. I noticed that the motto for XXXX was the same as that found on XXXX XXXX 's website, " Delivering the Fair Square Promise. " I am not contacting XXXX XXXX 's office via telephone again. XXXX at the corporate office was very nice and helpful, but unfortunately, some of their other employees are very difficult to deal with ; some of them are downright horrible, in fact. I was harassed, both at work and at home, by XXXX XXXX 's office in XX/XX/XXXX and XX/XX/XXXX. They threatened to garnish my wages if I did not comply with their request for immediate monthly payments. XXXX 's office even contacted my former husband, trying to get some of my personal information. My former spouse refused to give them any information. He told me later that day, " someone from the XXXX XXXX XXXX school of acting called for you today! " In my haste to get off my company phone and back to work, I made verbal payment arrangements of $ 100.00/month with XXXX 's office. Unfortunately, and very unwisely, I gave XXXX 's office my bank account number, so the payments could be deducted automatically from my account. XXXX 's office did not just take {$100.00} that XXXX month, however. They took {$360.00} out of my account on XX/XX/XXXX. They then took XXXX additional withdrawals out of my account, completely cleaning me out. ( I can get proof of all XXXX withdrawals. ) This, in turn, caused several checks to bounce, which caused hefty bank fees. My old credit card debt was actually repaid XXXX times over. My brother-in-law and I met with a bank officer in XX/XX/XXXX, and I filed a claim with the bank. It was denied, however, as the bank 's loss prevention dept. said that I had a " verbal agreement '' with XXXX 's office. I learned a very painful lesson in XX/XX/XXXX. I should have pursued legal action at the time against XXXX 's office, but life ended up getting in the way. I worked a lot of overtime at the office ; in addition, my mom became quite ill. Now, First Nat'l Collection Bureau and XXXX are both trying to collect on the same old credit card debt that I repaid in full to XXXX. I need CFPB 's advice and assistance. Thank you very much.
04/08/2019	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	MA 02125	Web
T o Whom It May Concern : This letter is being sent to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureau { s }, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that your claim is disputed and validation is requested. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title & Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. Please provide me with the following : What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service : At this time I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureaus { XXXX, XXXX or XXXX } this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate to bring legal action against you for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character If your offices are able to provide proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting repository that could be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate. If your company fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit report and a copy of such deletion { to any/all of the 3 major credit reporting bureaus : XXXX, XXXX and XXXX } request shall be sent to me immediately. I would also like to request, in writing, that no telephone contact be made by your company to my home or my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls and calls or correspondence sent to or with any third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter by USPS. It would be advisable that you assure your records are in order before I am forced to take legal action against your company and your client. This is an attempt to correct your records, any information obtained shall be used for that purpose. Best Regards, XXXX
06/10/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	IL 60637	Web	Servicemember
XX/XX/XXXX I wrote to First National Collection Bureau Inc and XXXX XXXX XXXX requesting validation and an investigation into a account that does not belong to me and that has not been verified and is being reported intentionally and unlawfully without being in compliance with the FDCPA or FCRA. I requested validation that this account is being reported accurately and copies of proof. I have not received any such proof to date. 1. I requested validation of the debt- that is, actual accounting 2. Verification of their claim against me 3. A copy of the Original contract binding both parties ( Creditor and I ) in a letter by " certified mail '' so that there is a independent " witness to it having been delivered '' I received no response at all within the 30 day timeframe. And XXXX still is reporting a non compliant account. Instead of verifying the account within compliance I received a email stating my account has been sold to XXXX XXXX XXXX ( a copy of email included ) XXXX XXXX XXXX mails out a printout of a statement which IN FACT DOES NOT CONSTITUTE validation of this debt. Yet, XXXX is still reporting the noncompliant, unverified, incomplete account. I requested the METHOD OF VERIFICATION they did not comply. PLEASE NOTE on XX/XX/XXXX CFPB releases its FDCPA Annual Report stating the following one or more debt collectors continued collection activity despite not properly obtaining and mailing debt verification after the consumer exercised his or her 1692g rights. Specifically the Bureau calls out the practice where " debt collectors forwarded consumer debt validation request to irrelevant clients, who mailed responses directly to consumers. Section 809 ( b ) of the FDCPA. As per FTC opinion letter from Attorney XXXX XXXX XXXX you should be aware that a printout ( copy included ) of a bill or itemized document does NOT constitute verification. A copy of the Method of verification used was requested also. Including the names, address and numbers of all who were involved in verifying this account without proof.So that can inquire about the procedure used to verify. I received no response as well XXXX is in violation of : sections 623. [ 15 U.S.C. 1681s-2 ] Responsibilities of Furnishers of information to consumer reporting agencies ( a ) Duty of Furnishers of Information to provide accurate information.- ( 1 ) Prohibition ( A ) Reporting Information with actual knowledge of errors.- ( B ) Reporting Information after Notice and confirmation of errors.- ( 2 ) Duty to Correct or Update Information ( 3 ) Duty to provide notice of dispute 813 [ 15 U.S.C. 1692k ] Civil liability 805. [ 15 U.S.C. 1692c ] section 623 ( E ) DUTY OF PERSON AFTER RECEIVING NOTICE OF DISPUTE 809. [ 15 U.S.C. 1692g ] Validation of debts 812. [ 15.U.S.C. 1692j ] Furnishing certain deceptive forms SECTION 604 15 U.S. CODE 1681 ( B ) SECTION 605 ( A ) 15 U.S. CODE 1681 C-1 SECTION 605 B 15 U.S. CODE 1681 C-2
09/14/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	KS 66605	Web
On XX/XX/20 I sent correspondence to First National Collection Bureau , Inc. stating that I was a victim of identity theft ( 08_07_20_Signed_Identity Theft Letter to a Debt Collector_First National Collection Bureau ). The letter was sent Certified Mail Return Receipt, and was in First National Collection Bureau, Incs possession as of XX/XX/20 ( XXXXFirstNationalCollectionBureau Return Receipt_item sent XXXX ). The letter explained to First National Collection Bureau , Inc that I am a victim of identity theft. In addition, the letter informed First National Collection Bureaus responsibilities under the Fair Credit Reporting Act ( FCRA ) ; which requires that debt collectors give an identity theft victim documents related to an account if the victim asks. First National Collection Bureau was asked to provide me with the records I requested ( XXXXSigned_Identity Theft Letter to a Debt Collector_First National Collection Bureau ). Again, First National Collection Bureau was in receipt of this request on XX/XX/20. The 30-day deadline for me receiving the required documents has passed as of XX/XX/20. Section 609 ( e ) ( 1 ) of the FCRA, 15 U.S.C. 1681g ( e ) ( 1 ), requires a business entity to provide an identity theft victim with application and business transaction records evidencing any transaction that the victim alleges to be the result of identity theft. The business entity must provide such records not later than 30 days after the date of receipt of a request from a victim. The FTC also has issued guidance to businesses seeking to comply with FCRA Section 609 ( e ). Each guidance document states that businesses must provide records directly to victims upon request. It appears that First National Collection Bureau , Inc.s failure to provide the requested documentation does not comply with the requirements of the FCRA XXXX Therefore, please provide me with copies of the application for the account and the transaction records concerning this fraudulent debt. Relevant documents should include, but are not limited to, the following types of records : Application records or screen prints of Internet/phone applications Billing statements Payment/charge slips Investigators summary Delivery addresses All records of phone numbers used to activate or access the account Signatures on applications and accounts Any other documents or records associated with the account Again, since I have not received these records, I believe your company is in willful violation of 609e. If you believe you are not required to provide any part of the documentation requested in this letter, please provide me with a written explanation of your position within 14 days of the date of this complaint.
08/24/2022	Yes	Debt collection Credit card debt	Communication tactics Used obscene, profane, or other abusive language	FL 323XX	Web
Hello CFPB, I am submitting a claim regarding some violations with some Debt Collection Agencies that have impacted my Consumer File greatly, these fraudulent actions have made it impossible for me to obtain credit to purchase a home. I would like to file a complaint on XXXX XXXX XXXX XXXX XXXX in the amount of a {$300.00} XXXX XXXX XXXX This account is now showing on my consumer file as delinquent. I have tried on numerous occasions requesting validation of the debt, Added I Asked Debt Collector to submit Validation of Original Creditor and Debt Collector has not done so. Letter Attached. This debt has been removed and replaced on a few occasions and debt collector has never validated debt. I recently reviewed my consumer file and currently educating myself on my Consumer rights and violations and noticed my rights have been violated, I have received numerous of letters as well as unauthorized calls and scare tactics advising I could be sent to a collection agency and according to 15 USC 1692 ( c ) Communication in connection with debt collection. My rights were violated by not receiving my prior consent given directly to this debt collector nor the express permission of a court of competent jurisdiction, a debt collector may not communicate with me the consumer in connection with the collection of any debt. I did not give my express consent and my rights have been violated. I have screenshots and letters along with the Company 's logo showing communication which I will provide in 15 USC1692 ( b ) 15 USC 1692 ( b ) Acquisitions of location information Violations Debt Collector has violated my rights by speaking with my daughter and providing her with information regarding this debt advising debt information on a few occasions as well as via text messages, this violates 15 USC 1692 ( b ) ( 2 ) also by submitting XXXX XXXX XXXX cards/mail with which violates 15 USC 1692 ( b ) ( 4 ) ( 5 ) 15 USC 1692 ( d ) Harassment or Abuse this debt collection agency 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. Without limited the general application of the foregoing, the following conduct is a violation of this section. This debtor has done so by repeatedly and continuously harassing me by causing telephone to ring, with the intent to annoy abuse and harass me. This Debt Collector has also been misleading, The Debt Collector sold this account to First National Collection Bureau Where They have Fraudulent called themselves a Bureau and they are not a Bureau. I have provided this company with a Cease & Desist Letter as well as requesting validation of debt.
06/21/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	CA 90015	Web
Although my number is private and I have only had this number a few years and know who I have given my number to including for business, relatives and friends, a company called First National Collection Bureau XXXX, out of XXXX, Nevada recently tried to contact me using a spoofing technique which should be illegal if it is not, using different area codes and seemingly fake phone numbers that showed on my caller ID in order to try to get me to answer the phone by I guess hoping they would trick me into thinking it was someone I know from my home area calling me because they were using area codes and prefixes from the area in which I live and when I tried to call the numbers back they were not. working numbers. They also sent a number of unwanted text messages regarding a debt that was not correct and that I dd not owe. After eventually answering to see what they wanted, they also seemed to ignore what I told them on the phone about disagreeing with this debt and not owing it and that it was past any statue of limitations to collect, they seemed to pretend like I did not give them an answer or response on the phone, because they later sent a letter to my mother 's home who is XXXX years of age harassing her in which they asked the same questions in the letter and asked me to reply by phone or mail or they would consider it a legitimate debt, although I had already told them over the phone that is was not legitimate and told them that I did not owe this debt they were asking for. I also told them that it had also been over 7 years and therefore past the statue of limitations to collect which they should have already knew, so I did not understand why they were contacting me anyway, other then to try to rob or take advantage of me, so they were doing nothing harassing me and by sending this letter to my moms home harassing her as well because she opened and read it to me over the phone which upset her. As of today, I seemingly have also started to receive calls from this company again using fake phone numbers and different area codes as I had stated above. I also found out that the letter they mailed, they had changed the date on the letter from what they told me on the phone to XXXX of 2016 instead of what they originally told me on the phone of it being XXXX of 2016, but either way it is past the statue of limitations. I had also informed them that this issue with a credit card company that originally contacted me about this debt over seven or eight years ago had already been settled, so again I did not understand why they would have this information or be contacting me about it unless they are trying to trick or scam me to send them money.
07/15/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Attempted to collect wrong amount	CA 93307	Web
Trying to collect debt from 2006 on an expired bank account in another city. This account originally had been closed by ME, and the bank failed to issue me the last remaining few cents in the account. An automatic payment came through the bank ( that I had cancelled but still tried to come through ), and they PUT IT THROUGH, though the account was closed! It was a small amount, maybe {$25.00}. After that, this XXXX Bank started charging enormous interest on the bounced fee ( 6 % daily compounded if I recall! ) and amount that went through. It kept going until it reached the sum of : {$250.00}, when they notified me that the account had not been closed properly and they were still charging daily interest. What took so long? No wonder they went out of business. N one trusted them! I have never known a bank in my life that added such large interest to a bounced check, especially considering the account had been closed out!! It was clearly a money making racket! I had absolutely no way of paying this fee back at the time, and felt it was perverse based on the way it was compiled. I tried to explain to the bank, but they were unreasonable and would not listen. They could only see $ $ signs. I suppose after you do this to enough people, you could be looking at quite a bit of money! I see no reason for letters to be sent to me now, after 9 years, and phone calls to be made, from a place called First National Collection Bureau , Inc, listing RJM as the creditor, with the original account at Compass, threatening me for legal action and the ruining of my credit based on a fraudulent amount of money that I owe. I do not have my bank records that far back, as they were left in my parent 's garage and after my father passed, everything had to be taken out to sell the house. It SHOULD be on this bank to prove the burden of debt. I was told by the agent that they can not do that because the original creditor has the records, and they bought the bank. Really? If they bought the bank, then they should have the records! They are charging over {$200.00} of interest, at the least. NO mention of compounded daily interest was mentioned for bounced checks when I signed up to that bank initially, none!! I was told by this debt collector that called that debts can be collected up to 15 and 20 years if it is valid. That is NOT what I have read. I have read that after 7 years that are dropped. And even if this is incorrect, it is illegal for a collection agency to buy an old debt to try to collect for themselves, and to lie and say they bought the bank ( it went out of business ). This agent argued with me over this. Sorry, I know my rights!
07/22/2020	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Sued you without properly notifying you of lawsuit	IL 60115	Web
I received a letter on XX/XX/XXXX of this year from First national Collection Bureau , INC . They stated that i was sued and a judgment for the amount of XXXX was ordered in XX/XX/2007. The company that they claim the judgment was for is XXXX XXXX XXXX who is collecting on behalf of XXXX. The date of the letter is XX/XX/XXXX of this year. The letter states that it is a Judgement Collection and that you must dispute with in 30 days of receiving the letter. However there is no post mark stamp to determine when the letter was actually sent. The letter says it was sent from a XXXX XXXX in California but the office address of First National Collection Burea is in Nevada. They are also sending it addressed to my maiden name which I legally changed and have not used in over 20 years. The letter is very unclear. it states that i must contact them and once i do they will validate the judgement or the debt. I was never served to appear in court and I checked with every circuit clerk for the counties that we have resided in over the last 20 years and there are no judgements listed. I have never had any credit cards or loans for this amount and I have never heard of XXXX. When i did research on this company all I could find is that they were sued and settled for XXXX XXXX for false practices by the stated of California and that they eventually were bought by XXXX XXXX who is also no longer in business. I reached out to First national Collection and all they keep telling me is that they need me to pay and that if not they can garnish wages or come after assets. When I asked about the judgement and when and where did this take place I get told the same case number that is on the letter but they will not provide the state or county that it was secured in. When i request a supervisor I get left on hold and no one comes back or the call is disconnected. I was under the impression that before a collection agent could attempt to collect debt that by law under the FDCPA that they are required to verify the debt which their letter clearly states that they will only do if you dispute the claim.. This has all the earmarks of some kind of scam.My concern is that they are targeting people in these difficult times and threatening financial recourse for debt that is not valid. I am hoping that your agency can help and put a stop to this.They claim at the end of the letter that if you pay them now they will discount the amount by 40 % but that they are not obligated to renew the offer. It also doesn't state the terms of this payment arrangement. There are also no dates as to when each payment would be due.
07/22/2020	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Sued you without properly notifying you of lawsuit	IL 60115	Web
I received a letter on XX/XX/XXXX of this year from First national Collection Bureau , INC . They stated that i was sued and a judgment for the amount of XXXX was ordered in XX/XX/2007. The company that they claim the judgment was for is XXXX XXXX XXXX who is collecting on behalf of XXXX. The date of the letter is XX/XX/XXXX of this year. The letter states that it is a Judgement Collection and that you must dispute with in 30 days of receiving the letter. However there is no post mark stamp to determine when the letter was actually sent. The letter says it was sent from a PO Box in California but the office address of First National Collection Burea is in Nevada. They are also sending it addressed to my maiden name which I legally changed and have not used in over 20 years. The letter is very unclear. it states that i must contact them and once i do they will validate the judgement or the debt. I was never served to appear in court and I checked with every circuit clerk for the counties that we have resided in over the last 20 years and there are no judgements listed. I have never had any credit cards or loans for this amount and I have never heard of XXXX. When i did research on this company all I could find is that they were sued and settled for XXXX XXXX for false practices by the stated of California and that they eventually were bought by XXXX XXXX who is also no longer in business. I reached out to First national Collection and all they keep telling me is that they need me to pay and that if not they can garnish wages or come after assets. When I asked about the judgement and when and where did this take place I get told the same case number that is on the letter but they will not provide the state or county that it was secured in. When i request a supervisor I get left on hold and no one comes back or the call is disconnected. I was under the impression that before a collection agent could attempt to collect debt that by law under the FDCPA that they are required to verify the debt which their letter clearly states that they will only do if you dispute the claim.. This has all the earmarks of some kind of scam.My concern is that they are targeting people in these difficult times and threatening financial recourse for debt that is not valid. I am hoping that your agency can help and put a stop to this.They claim at the end of the letter that if you pay them now they will discount the amount by 40 % but that they are not obligated to renew the offer. It also doesn't state the terms of this payment arrangement. There are also no dates as to when each payment would be due.
03/15/2018	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	TX XXXXX	Web
I believe this is credit card debt. This is 1 of 2 accounts they continue to harrass me about. Now this debt which is passed the statute of limitations in the state of Texas is sold to this company who is now harassing me regarding this debt and has threatened to place it on my credit reports for all 3 bureaus and take legal action. They continue to call and hang up on my phone while I am at work. They call from different numbers stating they need to deliver court documents. I am being harrassed day and night. This company does not have a surety bond in the state of Texas to collect, which is required. Yet, they continue to attempt to collect and violate Texas law. I filed a compliant against this company with the Texas attorney generals office. I am also seeking a class action lawsuit with my attorney due to the mental, emotional and medical stress and distress this is causing me as a XXXX a patient awaiting XXXX. Texas Surety bond information as required by Sec. 392.101 - my original signature on the application from the creditor - my original signature on an application with your office consenting to any service. Please note XXXX, XXXX, and XXXX are bonded in the state of Texas and are required to comply with Texas Finance Code. If a debt collector has failed to respond to your debt validation request, then they have essentially admitted, per Texas Finance Code 392.202 ( b ) ( 2 ), that the debt in question is inaccurate. Per this requirement you must delete this trade line or not place it on my report altogether if you do not have sufficient time to complete an investigation to validate this debt in 30 days according to Sec. 392.202 ( d ) ( 1 ) Also per Texas Finance Code 392.202 Correction of third -party debt collectors or credit bureaus files. I request immediate notification by mail if this alleged debt is sold or transferred per Sec. 392.301 ( a ) ( 4 ). Please reply with your response via US MAIL. Do not contact me by phone as it is inconvenient. Do not contact my family, acquaintances, or employer in any manner. Please note I am fully prepared to pursue my rights for the harm this inaccuracy has done to me. Sec. 392.403. CIVIL REMEDIES. ( a ) A person may sue for : ( 1 ) injunctive relief to prevent or restrain a violation of this chapter ; and ( 2 ) actual damages sustained as a result of a violation of this chapter. Please also note Texas BCC17. I demand that you will not sell, transfer, or assign this debt per Sec. 392.301 ( a ) ( 4 ) Regards
03/15/2018	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	TX XXXXX	Web
This is the second account they continue to harrass me about. Now this debt which is passed the statute of limitations in the state of Texas is sold to this company who is now harassing me regarding this debt and has threatened to place it on my credit reports for all 3 bureaus and take legal action. They continue to call and hang up on my phone while I am at work. They call from different numbers stating they need to deliver court documents. I am being harrassed day and night. This company does not have a surety bond in the state of Texas to collect, which is required. Yet, they continue to attempt to collect and violate Texas law. I filed a compliant against this company with the Texas attorney generals office. I am also seeking a class action lawsuit with my attorney due to the mental, emotional and medical stress and distress this is causing me as a XXXX a patient awaiting XXXX. Texas Surety bond information as required by Sec. 392.101 - my original signature on the application from the creditor - my original signature on an application with your office consenting to any service. Please note XXXX, XXXX, and XXXX are bonded in the state of Texas and are required to comply with Texas Finance Code. If a debt collector has failed to respond to your debt validation request, then they have essentially admitted, per Texas Finance Code 392.202 ( b ) ( 2 ), that the debt in question is inaccurate. Per this requirement you must delete this trade line or not place it on my report altogether if you do not have sufficient time to complete an investigation to validate this debt in 30 days according to Sec. 392.202 ( d ) ( 1 ) Also per Texas Finance Code 392.202 Correction of third -party debt collectors or credit bureaus files. I request immediate notification by mail if this alleged debt is sold or transferred per Sec. 392.301 ( a ) ( 4 ). Please reply with your response via US MAIL. Do not contact me by phone as it is inconvenient. Do not contact my family, acquaintances, or employer in any manner. Please note I am fully prepared to pursue my rights for the harm this inaccuracy has done to me. Sec. 392.403. CIVIL REMEDIES. ( a ) A person may sue for : ( 1 ) injunctive relief to prevent or restrain a violation of this chapter ; and ( 2 ) actual damages sustained as a result of a violation of this chapter. Please also note Texas BCC17. I demand that you will not sell, transfer, or assign this debt per Sec. 392.301 ( a ) ( 4 ) Regards
03/15/2018	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	TX 76039	Web
Now this debt which is passed the statute of limitations in the state of Texas is sold to this company who is now harassing me regarding this debt and has threatened to place it on my credit reports for all 3 bureaus and take legal action. They continue to call and hang up on my phone while I am at work. They call from different numbers stating they need to deliver court documents. I am being harrassed day and night. This company does not have a surety bond in the state of Texas to collect, which is required. Yet, they continue to attempt to collect and violate Texas law. I filed a compliant against this company with the Texas attorney generals office. I am also seeking a class action lawsuit with my attorney due to the mental, emotional and medical stress and distress this is causing me as a XXXX a patient awaiting XXXX. Texas Surety bond information as required by Sec. 392.101 - my original signature on the application from the creditor - my original signature on an application with your office consenting to any service. Please note XXXX, XXXX, and XXXX are bonded in the state of Texas and are required to comply with Texas Finance Code. If a debt collector has failed to respond to your debt validation request, then they have essentially admitted, per Texas Finance Code 392.202 ( b ) ( 2 ), that the debt in question is inaccurate. Per this requirement you must delete this trade line or not place it on my report altogether if you do not have sufficient time to complete an investigation to validate this debt in 30 days according to Sec. 392.202 ( d ) ( 1 ) Also per Texas Finance Code 392.202 Correction of third -party debt collectors or credit bureaus files. I request immediate notification by mail if this alleged debt is sold or transferred per Sec. 392.301 ( a ) ( 4 ). Please reply with your response via US MAIL. Do not contact me by phone as it is inconvenient. Do not contact my family, acquaintances, or employer in any manner. Please note I am fully prepared to pursue my rights for the harm this inaccuracy has done to me. Sec. 392.403. CIVIL REMEDIES. ( a ) A person may sue for : ( 1 ) injunctive relief to prevent or restrain a violation of this chapter ; and ( 2 ) actual damages sustained as a result of a violation of this chapter. Please also note Texas BCC17. I demand that you will not sell, transfer, or assign this debt per Sec. 392.301 ( a ) ( 4 ) Regards
01/29/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 76028	Web
I received a letter from the First National Collection Bureau , Inc . The letter stated I owed a balance of {$880.00} that was turned over to them for collection. It stated the origal creditor was XXXX XXXX. The debt collector states in the letter they will accept a payment of {$350.00} to settle the debt. I tried to contact to the First National Collection via the number they provided on the letter. I called the number three times only to reach a XXXX cell phone recording!! I did not misdial the number as I checked it 3 times. The letter also contained a web address. I logged onto the site to try and recieve information about the so called debt. There was no information available, only payment options. I have never had an XXXX XXXX account, I have never done business with XXXX XXXX ever. I called XXXX XXXX and spoke to a customer service representative. I gave her all my information and the last 4 digits of the account number that was in the letter. XXXX XXXX had no record of me, or any type of account linked to me. I know this to be correct as I have never done business with them. Also by coincidence I received a copy of my credit reports from XXXX and XXXX only two days before I got this letter. There is no delinquent accounts whatsoever and no accounts ever with XXXX XXXX. I am currently in the process of buying a new home so I requested my credit reports. Upon researching this company, First National Collection Bureau, I found that this is a scam and that they are known to send false letters requesting payments and debt collection. They have used such companies as XXXX XXXX XXXX, mortgage companies, XXXX XXXX, XXXX XXXX etc. the list is endless. They simply try to scam money. I will attach a copy of the letter also. I will try to contact this company again as I was unable to speak to anyone the last time I called. After logging into the website, the phone number started working and went to a recording stating it was First National Collection. I was not able to speak with anyone. Amazing how the number did not work until I accessed the website. I have never dealt with XXXX XXXX, they have no records of any accounts on my behalf. Please shut this scam down. Thank you.
11/19/2016	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt is not mine	OR 974XX	Web
I have received a letter from First National Collection Bureau stating that I owe them {$4200.00} for a XXXX XXXX credit card. I was involved in a class action lawsuit that erased this debt and I received a payment from XXXX.This was XX/XX/XXXX. Even if this is mine from XXXX it is well beyond the statutes of limitations, and made invalid because of the deceptive practices employed by XXXX XXXX, So with that said I believe this is a violation of the FCRA or at the least a violation of XXXX State Unlawful Debt Collections Practices act. In order for a collection agency to collect debts from an XXXX resident the company must be registered and licensed by the state of XXXX, which this company does not posses, Therefore First National Collection Bureau is not entitled to to collect OR attempt to collect ANY debt from myself.This action alone can result in severe statutory penalties by the state of XXXX.If this company has reported this to any credit reporting agency, this could constitute fraud on the collection agency 's part under both federal and state laws. This has been on my credit report in the distant past but has been removed due to the class action suit. This item has been bought and sold many times over the years and I am sure it is just cobbled information packaged to appear that it is a new debt by this company or and others. If they continue with this, then I am very happy to see them in court here in XXXX County XXXX. I do not believe that anything this company professes to hold can stand up to the scrutiny of a court room. This attempt is illegal on many front 's and I am tired of desperate companies trying to scam me and I am prepared to see them in a court room, in fact I ask for it. In short this company is in violation of both federal and state laws and I want this to cease. I am writing a letter to my state AG and the state of XXXX AG as well. I have looked this company up and they have an XXXX rating with the XXXX and there is at least XXXX complaints on rip off report, this company is an obvious scammer. On XXXX notes, concerning them, there is pages of complaints about this company and their attempts at scamming people across the nation.
01/12/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	NE 68046	Web
A collection company sent a letter stating that I owe {$900.00} for a cell phone from XXXX XXXX XXXX. The collection company is First National Collection Bureau , Inc. located at XXXX XXXX XXXX, XXXX, XXXX XXXX but the return address is a PO Box , XXXX XXXX, in XXXX XXXX. I have never had a XXXX account and I have been with the same company for almost 21 years now. Also, the address I live at is a home, and they added an apartment #. I think this is a scam, and I worry about older people being taken advantage of or other people falling for this. Letter states : This is to advise you that your delinquent account has been assigned to our office for collection by the above mentioned current creditor. ( XXXX XXXX XXXX ) Unless you notify this office within 30 day after receiving this notice that you dispute the validity of this debt or any portion thereof, this office will assume this debt is valid. If you notify this office in writing within 30 days after receiving this notice that you dispute the validity of this debt or any portion of it, this office will obtain verification of the debt or obtain a copy of the judgment and mail you a copy of such judgment or verification. If you request of this office is writing within 30 days after receiving this notice this officeXXXX will provide you with the name and address of the original creditor, if different from the current creditor. In order to aid your financial situation, as may be necessary, we could set up your account on a monthly payment plan. we would like to extend the following discounted offer : 80 % discount payable in XXXX payments of {$90.00}. Each payment within 30 days of the previous payment. We are not obligated to renew this offer. For your convenience you may pay via a check over the phone or credit card. You have our work that your account executive will treat you fairly and with respect. Sincerely, First national collection Bureau , Inc. *then further down on the letter at the bottom. The law limits how long you can be sued on a debt. Because of the age of your debt, XXXX XXXX XXXX will not sue you for it, and XXXX XXXX XXXX will not report it to any credit reporting agency.
08/22/2015	Yes	Debt collection Credit card	Disclosure verification of debt Not given enough info to verify debt	GA 310XX	Web
First National has no right to collect on a debt delinquent from XX/XX/XXXX. Nor have they provided validation information as required by the FDCPA. I have requested a validation of the debt your company claims I owe. In response, I received a letter noting the amount ( XXXX ) on XX/XX/XXXX. Consumers have the right to request a validation of debt to ensure the company collecting the debt has not made an error. Sending me notice of the amount I supposedly owe does not prove that I owe the debt, it merely proves that your company seeks to collect the specified amount. Please note I am not requesting a verification of your records. I am requesting proof that I incurred this debt, how much was incurred, and that you have the right to collect it. Proof of my liability is my legal right under the Fair Debt Collection Practices Act. Furthermore, based on the information regarding this debt provided by your representatives, I believe this debt to be in error partially or wholly and request proof as stipulated by the FCRA. I Request : -Proof that First National Owns the debt/ debt has been assigned. -Copy of Statements from original creditor, XXXX . -Copy of Original signed loan agreement/ credit card application. Furthermore, I challenge the ability to collect a debt which is past the statute of limitations. In order for this alleged debt to be mine, it would have had to become first delinquent in XX/XX/XXXX, well past the statute. Attempt to collect as debt past statue is a violation of FDCPA ( section 809 ) and places First National in a positon to be fined and sued. Finally, I request proof First National Collection Bureau is licensed to collect in the state of Georgia.
02/28/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 33023	Web
on XXXX XXXX i recived a phone call and aletter in the mail by a debt collector name of : in regards of a collection that i never have no information about this accounts they are claiming .i do not have any attention on paying this company not a pennies am refusing to pay them.they have herassed me by calling me phone none stop repeatedly.they have violated my rights under fdcpa see15 U.S. Code 1692d - Harassment or abuse 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. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The use or threat of use of violence or other criminal means to harm the physical person, reputation, or property of any person. ( 2 ) The use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader ( 5 ) Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called XXXX.15 U.S. Code 1692c - Communication in connection with debt collection ( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except i will not pay this company, if they try to contact contact me again i will file a civil law sue..
06/15/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	FL XXXXX	Web	Older American, Servicemember
XXXX XXXX bundled their services into on account when I obtained a smart phone. After I received my XXXX bill from XXXX, I realized there was no way I could continue using the smart, cell phone without getting myself in serious financial trouble. I spoke with someone in customer service about my dilemma and requested that my wireless bill be separated from my television and land phone. That was accomplished, however, when paying my bill for the original service, the money was applied to the wireless account. The only way I could stop the excessive charges was to stop paying the entire XXXX service package. I still had my cell phone services with XXXX and I switched to XXXX where I previously had my cable services and am very satisfied with XXXX for the past four ( 4 ) years. XXXX " held my feet to fire '' for many months, charging me for wireless cell services that I did not use, could not use and had no intention of using. XXXX turned the account over to a collection agency in 2011 and subsequently it was turned over to XXXX ( XXXX ) more collection agencies. I disputed each agency handling the account and each XXXX closed and returned it to XXXX. I do not know which agency is reporting the item to the XXXX credit reporting agencies but it is a blemish on my credit record. I use only a debit card and do not have a credit card. I have a sixteen ( XXXX ) XXXX old automobile that I made XXXX ( XXXX ) payments on and was never late on any payment. It is time to replace the car but I ca n't because of the XXXX bill on my credit record. I am XXXX ( XXXX ) years old.
11/04/2018	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Sued you in a state where you do not live or did not sign for the debt	CA 93420	Web
I received a letter from First National Collection Bureau , Inc on XX/XX/2018. It lists the current creditor as XXXX XXXX and claims the balance is {$3000.00}. They advised me in this letter that a judgment was entered against me and has been placed for collections. They claim that I am being charged interest daily and I have 30 days to dispute this. I do not understand how a judgment was entered, without my knowledge of this. To my knowledge, I have not received written correspondence from this company or the original creditor regarding this debt or the alleged judgment. I am researching here in California about credit card debt, collections agencies, judgments as well as statute of limitations and FNCB. This has not appeared on my credit reports, that I am aware of. Am I disputing this? Absolutely I dispute this. I am unsure if I should call FNCB to ask for written correspondence about this debt, with the name, address and account number, along with the name of the courthouse and Judge that issued the judgment. I understand that predatory lenders may try to trap you or get you to say things and I hesitate to call directly because of this. My understanding is that debt has a 4 year statute of limitations in California. I also understand that predatory companies will file against people without their knowledge, hoping to get a judgement. I believe this is what has been done to me. How can a judgment be entered without ever contacting me or serving me papers? I have blocked out any personal information as this website advises.
08/16/2017	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was paid	NV 894XX	Web
TodayXX/XX/XXXX, I received a letter trying to collect on a debt that is 1. over 8 years old, and 2. paid off in XX/XX/XXXX, and 3. I paid taxes on it. I called and spoke to XXXX, she was not a good rep and not helpful. I told her that I paid this debt in XX/XX/XXXXand paid the taxes on the debt cancellation, which she seemed like she had no idea what that is. I also mentioned that I was not happy over the fact that they are trying to collect on a debt over eight years old, and also that I paid on it in XX/XX/XXXX, and I have proof. That I would need their information so that my attorney can contact them since this is clearly illegal. She also said this would not go on my credit report, I found that strange. Most all collection companies report it. I worked very hard getting my credit back up to XXXX+. A few minutes go by, I got my old records out of my dropbox account and my CPA 's records, I thought I need to call them back and get th complete account number to reference to to give to my attorney. When I called, the person I spoke to gave me no name, I asked for the account number she said there is not one, and I said that this seems to be illegal that they are trying to collect twice on the account and its over 7 years old, she immediately hung up. I was nice to each persons on phone, but firm in voice, as they were too. The Company name : First National Collection Bureau , Inc . Address : XXXX XXXX XXXX XXXX NV XXXX XXXX Ref # XXXX Amount : {$4300.00} Original Creditor : XXXX XXXX XXXX Current Creditor : XXXX XXXX
12/08/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	CA 90049	Web
Dear Sir or Madam : I have been the victim of identity fraud, and I believe this debt is one of the debts which resulted from my identity theft and was falsely taken out in my name. This letter is being sent to you in response to your attached letter. This is not a refusal to pay, but a notice that your claim is disputed. Under the Fair Debt Collections Practices Acct ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation which is binding on me to pay this debt. Below are a few questions to answer which may help you to resolve these mistakes. You should also be aware that reporting such invalidated information to major credit bureaus might constitute defamation of character, as the negative marks on my credit report harm my credit ad prevent me from enjoying all the benefits of good credit. Im sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state and federal agencies. I addition to the questionnaire below, please attach copies of : Agreement with your client that grants you the authority to collect on this alleged debt Agreement that bears the signature of the alleged debtor wherein he agreed to pay the creditor. Any insurance claims been made by any creditor regarding this account Any judgments been obtained by any creditor regarding this account Sincerely, XXXX XXXX
04/01/2015	Yes	Credit card	Credit card protection / Debt protection	CA 94606	Web
I received a collection letter from First National Collection Bureau XXXX Inc for {$940.00} for creditor XXXX XXXX XXXX, original creditor XXXX XXXX Bank, N.A./. This is a false debt so i called them to dispute it. The first person I talked to claimed it was a credit card between XXXX and no other information was available. After a brief discussion I explained how this was not a valid debt ( the last credit card i owned was around XX/XX/XXXX ) and she said to send her that info in writing. I hung up and after doing some research on the company I found out they have an unsavory reputation preying on expired SOL ( statue of limitations ) debt. I called back hoping that I could stop any more badgering by pointing that out. The next person I talked to gave me more information about the account ( meaning the other person lied about no other information being available ) and told me that a SOL did not matter with their company. I told her that was inaccurate and that the FTC states one can not be sued for debt out side that SOL. She claimed that was innacurate information and they were a private entity. I asked her if her company was above the FTC. She said no but that info was wrong. Furthermore, she told me the account had been closed by the previous rep but she would reopen again it due to my verbal complaint which sounded like a threat! In the end they ended up being unprofessional, manipulative, and liars. I am sending them a cease and desist letter and I hope that is the last I hear from them.
06/16/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Incorrect information on your report Old information reappears or never goes away	CT 06516	Web
XXXX XXXX XXXX is a huge scam company that continually reports on peoples credit report and when you call them to provide proof that the debt was paid long ago and they even overcharged me. They have changed name several times and create a new credit reporting agency and then report that new agency on your credit as if they sold the debt to this new company. They have been damaging my credit for over 10 years. the original company was " Why not Lease it '' by XXXX. I reported them with XXXX credit bureau and they keep sending letters that my debt is owed even after I have sent them proof and bank statement that they kept charging my bank accounts unauthorized to do so. they even overcharged me I have contacted them several times throughout the years every time they change names and sell of to the new company and they just have you go in circles and can never find a solution to the problem. The debt just continues to reappear and debt owed to a new company keeps reporting on peoples credit. they must be doing this to many people, they are a huge scam operation and don't know how they have gotten away with this for so long. I was able to finally get them removed through XXXX but shortly after received another letter with a new credit collection agency saying that they sold the debt to them and I still owe them. Please help me, I don't know what else to do
01/26/2017	Yes	Debt collection Credit card	Improper contact or sharing of info Contacted me instead of my attorney	OR 974XX	Web
I have received a letter from the First National Collection Bureau. They have sent this letter for a company named XXXX concerning a debt that was on my credit report in the past and charged off on XXXX/XXXX/2007 according to this letter form First National Collection Bureau. With that being the case any statutes of limitation has run it 's course. XXXX XXXX has received letter 's in the past from my attorney to cease collection efforts and they agreed with letter to my attorney. Now they are using this other company to collect an uncollectible debt. XXXX XXXX is well aware of this and this is an illegal attempt to collect an uncollectible debt. This is an attempt at scamming me, If I was not aware of the law, I would not know what to do. This company, First National Collection Bureau does not preform it 's due diligence before it sends out it 's notices. If they had they would see that this is uncollectible yet they try to scam people on a regular basis. I know several people that have had this company try to collect uncollectable debts. They even offer a " convenient '' repayment plan for those that are unaware of the law. This to me seems to be in violation of the fair credit reporting act, violation of the Fair Debt collection Practices Act and is probably in violation of Oregon state law as well.
05/17/2016	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt is not mine	PA 19026	Web
Below is a copy of a letter I sent : To Whom It May Concern : I am writing this letter to dispute the above-referenced accounts with your agency. I am disputing this debt due to the fact that it is NOT MY DEBT. I am requesting that you provide me with debt validation and a contract with my signature on it as well as a FULL ACCOUNT HISTORY and itemization of all charges. Furthermore, please provide proof that you have the legal right to collect this debt as well as proof that you are licensed to do debt collections in both your state and mine ( PA ). Please cease any phone contact with me -- all of your correspondence must be in writing via my address listed below. On XXXX XXXX, 2016 I mistakenly paid off XXXX of these fraudulent accounts not knowing that I was being deceived. I expect FULL REFUND of the amounts totaling {$230.00}. I have attached proof that these funds have been deducted from my account by your agency ( which is admissible in a court of law ). Please be advised that if I do not receive a full refund within 30 days of the date listed above, these damages suffered by your agency due to frivolous and illegal collections actions will be recovered via lawsuit. Additionally, I have filed complaints with the Consumer Financial Protection Bureau, the XXXX and other government agencies.
04/21/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	NC 28277	Web
I received calls for about a month ( XXXX into XXXX ) from First National Collection Bureau , Inc of XXXX Nevada calling me by name & birthdate. They refused to tell me what the bill was about unless I give them my social security number which I did not. They continued to call & I refused to answer. I received a letter from them XX/XX/22 stating I opened up a credit card with XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, SD, for {$880.00}. If I send in 6 months - {$73.00} to them ( First National Collection ) totaling {$440.00}, the rest will be dissolved. I did not open this nor did I ever receive any calls, letters, statements from XXXX XXXX on it. I called XXXX XXXX XX/XX/22 who verified I owed it from acct # XXXX but she repeatedly asked for my SS # - states I can file a dispute letter & mail in to XXXX XXXX XXXX, XXXX XXXX, SD XXXX. The letter stated due to age of debt, XXXX XXXX will not sue me for it but can report it to credit reporting agencies. First National can not sue me nor report me to credit reporting agencies. However I can renew my debt and pay later if needed. I DID NOT get a credit card nor do I owe this bill. This is fraudulent and identify theft on me and I need to know how to handle. Any assistance will be greatly appreciated. XXXX XXXX Spoke to XXXX XXXX & XXXX on above.
05/11/2017	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	MI 48867	Web
I received a letter from the XXXX XXXX XXXX XXXX on or about XXXX XXXX XXXX They claimed to be collecting on behalf of XXXX XXXX for the amount of {$900.00} ( to XXXX Bank with acct number but no other information and I have no memory of such an account ), of which they are willing to accept a total of {$270.00}. I have XXXX recollection of any such debt, so I sent them a debt validation letter on XXXX XXXX XXXX ( as is my right under the Fair Debt Collection Practices Act ). I sent it Certified Mail with Return Receipt through the XXXX . XXXX picked up the letter and signed for it on XXXX XXXX XXXX . ( I have proof of both mailing and receipt. ) In the letter I sent, I requested that they send me ANY information they have about this supposed debt, proving that I owe it, and that they can legally collect the alleged debt. I gave them 30 days to do so but received nothing from them. Yesterday, XXXX XXXX XXXX , I received a call from XXXX , once again requesting payment of this alleged debt. They have sent me no proof that I owe such a debt and refuse to give me any further information beyond, " this is a valid debt. '' If it 's valid, they need to provide me with reasonable proof of such and, as of yet, they have not done so.
11/28/2017	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	NC 28211	Web
Settled to pay a debt with First National Collection Bureau Inc on XXXX/XXXX/XXXX the original bill was with XXXX XXXX for {$1100.00} they agreed to accept {$710.00} and have account settled in full and closed. First national stated they could email and mail me a letter stating account has been satisfied in full once payment is made. Now payment has been made and cleared with the bank on XXXX/XXXX/XXXX and after calling for 3 days I have not received a letter in the mail or an email. I called today XXXX/XXXX/XXXX and the customer service representative states the letter will be mailed today. The letter should have been mailed on XXXX/XXXX/XXXX or at least no later than XXXX/XXXX/XXXX. The company is giving me the run around and not answering simple questions like how long will it take to draft a letter stating account has been settled in full and account closed. The representative informed me I could go online but that only shows the amount I paid and still has an outstanding balance. When I asked the representative about updating the online information she states she will send up the request to her supervisor. I just want a letter and an email sent to me stating the account has been settled and closed for the agreed amount of {$710.00}.
11/12/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NY 11741	Web
First National Collection Bureau , Inc Current Creditor : XXXX XXXX XXXX Original Creditor : XXXX XXXX, XXXX Debt Description : XXXXXXXX Original Account # XXXX Ref # XXXX Total Due : {$27000.00} XX/XX/XXXXThis debt has been disputed for 15+ years complete validations of this alleged debt or any kind of proof bearing my signature, copys of original account statements has been requested by me from XXXX XXXX XX/XX/XXXXXXXX , XXXX XXXX XXXX , XXXX XXXX XXXX ect.ect.ect . by certified mail ( have all the proof ) Check all your files it is all in there, sofar all mine complaint, disputes and request for complete validations have been ignored, also all mine complaints with XX/XX/XXXX, CFPB and FTC. Why is First Natinal Collection Bureau , Inc knowing all of this with no proof of any kind trying to collect in behalf of XXXX XXXX XXXX with no proof of any kind ever provided and so did none of the others. Your all in violation of the fair debt collection act. The fair credit reporting act.and defamation of charather. I demand a immediate respond to my complaint Knowing all of this i will also consult my legal counsil for suit. I will also file another complaint with the FTC, XX/XX/XXXX and the Attorney Genral 's office. A COMPLETE AND FRAUD
01/16/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	FL 33444	Web
I had XXXX collection on my credit report. It was from XXXX / First National Collection Bureau at http : //www.fncbinc.com/. A former roommate rang up pay-per-views on my account, I did n't agree to them and closed my account. Here 's the thing, the account was closed in XX/XX/XXXX or XX/XX/XXXX. It 's XX/XX/XXXX, it should have been off my report. However, according to the credit bureaus, it was opened for collection all the way into XXXX! I disputed this online, and lost somehow because they " proved '' it was sent to collections only in XX/XX/XXXX. Is n't that illegal to forge the date that something was stopped being paid on? Or hold on to collections and report them later? Not only that, the other day, I called First National, and paid it ( I should probably back charge it ). So after calling them and paying them over the phone, the charge on my card came up as XXXX! How weird is this?! Is XXXX playing a game where they own the collection agency and fudging dates? It seems so! Dispute numbers I entered - XXXX of them is correct, but only had 30 days after dispute back in XX/XX/XXXX to view the results. There was another dispute that I won I had in my email with the dispute number with XXXX still.
01/12/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	FL 32244	Web
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX : # XXXX Ref # XXXX, has violated my rights and fraudulently placed an account in my name that I do not have any knowledge of, owned or opened with this creditor and yet somehow I recently received a letter from them in the mail for a discount payment of a debt I do not owe them. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
02/09/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	GA 30328	Web
I was originally contacted by : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Hours of Operation ( CST ) : Mon-Fri XXXX - XXXX, Sat XXXX - XXXXXXXX XXXX XXXX XXXX in XX/XX/XXXX about a debt with XXXXXXXX XXXX. I have never had a financial relationship with this company and have no outstanding debts with them or with anyone in the amount claimed. I disputed the claim, but it took 3 months and dozens of emails for them to stop. On XX/XX/XXXX, I received an email from : First National Collection Bureau , Inc . XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PST, Mon-Fri www.fncbnv.com for the same debt. I have disputed this debt as well. Both collections companies are using a postal address at which I have never lived ( I have never even been to XXXX ) : XXXX XXXX XXXX XXXX XXXX XXXX, ME XXXX So clearly instead of terminating any attempts to collect this invalid debt, they simply sold it to another company. Each time they have threatened that not responding will legitimize this debt, however, they never acknowledge correspondence disputing the debt. I need CFPB 's help putting an end to this harassmet
08/08/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Problem with personal statement of dispute	AR 721XX	Web
I am disputing about 5 credit accounts that I found out I had on XXXX. I have contacted the credit card company over and over. They all keep telling me that I knew about it and it is legit. That is bull. It could have been a number of people that could have done this. We helped people out all the time that stayed with us. We even found out a couple that we thought were true ended up being who knows who that gave us alias names and disappeared. And as far as the bills or statements go they say I got, I never have seen a one of them until now and it is because my husband isn't here anymore nor are his friends. But I can't prove anything but my word and my true story. I am tired of repeating. I just need to get these disputes done. Please help me. I can not afford their mistakes, whoever they are. I do have 2 credit cards now that I opened and I am paying for. I know about those. First National Collection Bureau , Inc . Contacted me re : creditor XXXX XXXX XXXX for the amount of XXXX. They also have my address wrong, somehow this statement ended up with my parents address on it. Don't know what is going on. They sent this letter XX/XX/2021.
06/22/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	FL 32713	Web	Older American
I received a letter from First National Collection Bureau , Inc. from XXXX XXXX NV on XX/XX/XXXX. I called them the same day and spoke to someone identifying himself as XXXX ( I didn't catch the last name ). He said the debt was from XXXX XXXX XXXX XXXX XXXX for a credit card from XXXX on a card issued from XXXX XXXX XXXX XXXX XXXX. I told XXXX I didn't know anything about this account. He said he was looking up the information and told me the card was for beauty and makeup. I explained I never had such a card. I check my credit reports from all three reporting agencies on a regular basis. There was no past due account in collections from XXXX XXXX or from XXXX XXXX XXXX. I contacted XXXX XXXX Bank and XXXX customer services for credit cards and spoke with XXXX who checked her records and stated they had no record of a card in my name. I asked if they had information on a credit card even if the card was closed. She indicated they would and there was no information for XXXX XXXX. Both XXXX XXXX XXXX XXXX XXXX and First National Collection Bureau , Inc. have had issues with false claims and attempts at collection in the past.
10/24/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	WA 98177	Web
I had my old apartment stripped and robbed top to bottom along with the XXXX equipment and instead of inquiring with the police department like they were supposed to they sent the debt onto a collections agency charging me personally for the stolen equipment. I notified XXXX of this and they did n't care that someone had been charged and sentenced in the theft of their property they just want to blame me while blindfolded and ear-plugged to all reality. I think they just do n't care about their customers at all and its just quicker/easier to condemn the first name they see on their screens rather than investigating or contacting the customer. I never received any communications from XXXX alerting me to their internal decisions or reasoning. And without notification they ruined my credit by placing a collections for XXXX dollars. I will never be able to pay this amount nor should I legally be held liable for stolen property that a criminal has been charged and held responsible for by a court of law. If the government is unable to persuade you into doing what is right then I will find justice with my lawyers.
09/20/2017	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	PA 19149	Web	Servicemember
In the process of buying a home and credit report was pulled and XXXX XXXX XXXX was on there from XXXX XXXX. Account has been showing delinquent and not paid however I can not remember ever having this account. Account showing with XXXX XXXX XXXX on all three credit bureau but different last payment dates. I attempted to contact XXXX XXXX at XXXX to verify debt and spoke with XXXX XXXX at XXXX on XXXX/XXXX/XXXX. He informed me that my acct was closed as of XXXX and transferred to a collection agency First National Collections. He could not help me any farther with this debt. That is inaccurate information reporting on my credit report as it shows XXXX XXXX however, it should show on my credit report who I need to contact to verify and validate this debt or make payments. If XXXX XXXX no longer has my records then this contract is voided and I need proof of my contract with First National Collections. I am requesting a verified agreement and signature and update to my credit bureaus with correct information. If verification and validation can not be supplied I am requesting deletion from ALL three credit bureaus.
07/07/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	TN 37076	Web
I received a letter from First National Collection Bureau , Inc. ( creditor " XXXX XXXX XXXX XXXX, XXXX '' ) representing that I owe a debt to XXXX XXXX. I called FNCB, and a representative said it was a XXXX that I had opened in XX/XX/XXXX and closed in XX/XX/XXXX. I never opened a XXXX in XX/XX/XXXX, nor does such an item appear on any of my credit reports. When I contacted XXXX XXXX, they represented that, not only do they not recognize the account number included on the FNCB letter, but I never had an account with them, and further, that they only carry XXXX, not XXXX, and thus the debt could never have existed. I would like to note that, when I told the representative from FNCB that I dispute the claim, he asked what exactly I was disputing, and I told him that I disputed that the debt ever existed, and their representative said he would report it to the original creditor ( which is obviously impossible since the original creditor has no knowledge of said debt ). I doubt, therefore, that the employees of the company know that they are fraudulently attempting to collect on nonexistent debt ( s ).
12/13/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	AR 72015	Web	Servicemember
First National Collection Bureau , Inc keeps contacting me via email ( usually filtered through as SPAM ) in an attempt to collect for XXXX XXXX XXXX on a debt that is beyond the Statute of Limitations as stated in their own collection attempts : " The law limits how long you can be sued on a debt. Because of the age of your debt, XXXX XXXX XXXX XXXX XXXX can not sue you for it. If you do not pay the debt, XXXX XXXX XXXX XXXX XXXX may [ continue to ] report the debt to any credit reporting agency for as long as the law permits this reporting. First National Collection Bureau , Inc. can not sue you on this debt and First National Collection Bureau , Inc. can not report this debt to any credit reporting agency. In many circumstances, you can renew the debt and start the time period for the filing of a lawsuit against you if you take specific actions such as making certain payment on the debt or making a written promise to pay. You should determine the effect of any actions you take with respect to this debt. '' Thier own reference number is : XXXX Account is listed as : Original Account # : XXXX
08/16/2022	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	AR 720XX	Web
First National Collection Bureau , Inc sent me a text message on XX/XX/22 as their very first collection attempt, before any validation of debt notice was sent or received, stating " We are contacting you regarding an important business matter. This is an attempt to collect a debt. Any information obtained will be used for that purpose. This is a text from a debt collector. Call us at XXXX or pay online using reference number XXXX at XXXX '' In response to that text message I called them and the representative I spoke to was horrifically rude and proceeded to talk over me and yell. I attempted to advise them that this debt is past the statute of limitations to be collected and was never mine to begin with ; however, the representative just yelled over me, not listening to me at all. I advised them at that time to NOT contact me again. On XX/XX/22 I received another telephone call from them and no message was left. I still have not received a verification of debt notice from this company and find their tactics to be abusive and feel their practices should be investigated.
04/24/2023	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	FL 33024	Web
ON XX/XX/XXXX, I CONTACTED XXXX REGARDING AN INCORRECT ADDRESS ON MY CREDIT REPORT, I WAS INFORMED BY XXXX THAT ONLY XXXX XXXX XXXX CAN REMOVE THE INCORRECT INFORMATION. MY ADDRESS IS NOW SHOWING ON MY CREDT REPORT AS XXXXXXXX XXXX XXXX XXXX XXXXXXXX GA XXXX I NEVER LIVED IN XXXX GA. I THEN ATTEMPTED TO CALL XXXX XXXX THAT GAVE ME THE INFORMATION TO CONTACT FIRST NATIONAL COLLECTION THAT INFORMED ME THAT THEY CAN NOT CHANGE THE ADDRESS XXXX XXXX HAS TO CHANGE IT. I ASKED WHY BECAUSE THIS ADDRESS WAS UPDATED RECENTLY BY YOUR AGENCY SHE THEN STATED THERE IS NOTHING SHE CAN DO. NOW MY MAIL IS BEING SENT TO AN ADDRESS THAT IS NOT MY ADDRESS SHE WAS ONLY CONCERN ABOUT CHANGING THE CORRECT ADDRESS SO THEY CAN CONTACT ME. I ASKED THAT SAME WAY YOU ENTERED THE ADDRESS ON XXXX SITE YOU CAN UPDATE THE CORRECT ADDRESS I THOUGH YOU ASKED FOR AN UPDATED ADDRESS TO CORRECT THE ISSUE SHE SAID AGAIN THERE IS NOTHING WE CAN DO CONTACT XXXX OR XXXX XXXX. I NEED THAT FALSE ADDRESS REMOVED BECAUSE I HAVE MAIL GOING THERE NOW. ALSO THEY BEEN SENDING MAIL TO THAT ADDRESS I NEVER RECIEVED.
07/15/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Called after sent written cease of comm	CA 902XX	Web
I received a letter from First National Collection Bureau Inc alleging that I owe a debt. I do not owe any debt to First National Collection Bureau XXXX Inc., XXXX XXXX XXXX XXXX XXXX, or XXXX XXXX. I had already sent XXXX XXXX XXXX a cease and desist letter previously through the Consumer Financial Protection Bureau for which I have a copy in writing. Now I have been contacted by First National Collection Bureau on behalf of XXXX XXXX XXXX XXXX XXXX which is a flagrant violation of the Fair Debt Collections Practices Act. I do n't owe the alleged debt they are referring to, in addition the alleged debt is past the statute of limitations. I do n't want any further communication in any form by First National Collection Bureau, XXXX XXXX XXXX XXXX XXXX, or anyone on behalf of them. Their continuous communication after sending them a cease and desist letter is a flagrant violation of the Fair Debt Collections Practices Act, and it is causing me severe emotional distress for an alleged debt I do n't owe. Their continued communications is considered harassment.
12/03/2021	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	CA 90015	Web
On XXXX XX/XX/XXXX. 2021, I sent via certified mail, correspondence to XXXX XXXXXXXX XXXX. This included an affidavit, exhibits, and remedy demand. In the affidavit included a list of 9 violations that caused damage to me, including : 15 U.S. Code 1692b ( 2 ), violation, XXXX XXXX XXXX XXXX. 15 U.S. Code 1692c ( a ), violation, taking up my time that could be used for work, to get details on alleged debt. 15 U.S. Code 1692c ( b ), violation, causing me to increase XXXX XXXX in working harder to improve my credit report. 15 U.S. Code 1692d ( 2 ), violation, XXXX XXXX XXXX. 15 U.S. Code 1692d ( 4 ), violation, having to waste time creating a plan to deal with an alleged debt. 15 U.S. Code 1692d, violation, causing me to spend necessary money to improve my credit situation. 15 U.S. Code 1692e ( 2 ) ( A ), violation, XXXX XXXX 15 U.S. Code 1692e ( 3 ), violation, XXXX XXXX 15 U.S. Code 1692e ( 12 ), violation, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX See the attached for all details.
06/23/2020	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	MD 21030	Web
XXXX XXXX XXXX is reporting an account that does not belong to me on all three major credit bureaus, XXXX, XXXX and XXXX. The account was opened XX/XX/XXXX under my name and information. I have have sent in several request to XXXX and XXXX to remove the account from my credit files.I spoke to someone a week ago and they informed me that the account was sent to First National Collection Bureau INC. and they now are trying to collect for XXXX XXXX XXXX under account number XXXX. I contacted First National Collection Bureau INC. and asked them to send me documentation of bearing my signature that the account belongs to me, I also informed the man on the phone that I was a victim of Identity theft and he said he would send me the information I requested. As of today XX/XX/XXXX they have not sent me that information and are still reporting the negative information on my credit files as a charge off. I have requested on several occasions for XXXX XXXX XXXX to remove the negative information.
08/14/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Attempted to collect wrong amount	OH 43212	Web
After reviewing my credit report ( s ), I was surprised that XXXX was reporting an alleged debt with XXXX, which I had previously disputed with First National Collection Bureau ( " FNCB '' ) in XXXX XXXX. Attached you will find the telephone log that highlights two telephone calls made to FNCB, at XXXX, on XXXX XXXX, XXXX. During those calls, I disputed the alleged debt with XXXX ; however, in the second call, at XXXX, I specifically requested verification of the debt. After the person with whom I spoke became abusive and began to badger me about the reason for my request, it became evident that such information did not exist. I was told that the account would be closed and I would no longer receive further communications. To this date, I have not received any further communications and wrongly assumed that this debt had been removed from my credit report ( s ). I have attached a screenshot of my XXXX XXXX account, which supports my assertions regarding First National Collection Bureau.
07/15/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	CA 92399	Web
In XXXX of XXXX I started getting phone calls from a collection agency. They said I had a delinquent load account with someone in the amount of $ XXXXXXXX.They did n't know with who but it happened sometime in XXXX. I told them I did know what they were talking about. They said if I paid them half right then with a credit that I would n't have to pay the whole amount. I hung up. I thought it was a scam. I kept getting phone calls from different phone numbers until XXXX or XXXX of XXXX. I XXXX the phone numbers and saw complaints from other people. I just received a letter from first National Collection Bureau , Inc . They advised me that my delinquent account with XXXX/ now XXXX XXXX XXXX XXXX XXXX has been assigned to them and that if I paid half it would be taken care of. I have never heard of either of these business. I had a credit check run in XXXX of XXXX and neither of companies showed up. Nothing came up with a delinquency. This is why I got in touch with you.
02/22/2019	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	VA 220XX	Web	Older American
I have received a notice from First National Collection Bureau which was delivered to the wrong address which i have received very late and immediately contacted the bureau by phone and told that i am not aware of any case in any court and did not receive any notice and warrant in debt and details of debt prior to or after filing of the case or copy of the judgment which they claimed it has been placed with them. I requested them to furnish me the copy of the judgment and who filed the case in the court and the party from whom they purchased the right to collect the debt and after first agreeing to furnish the same email address XXXX did not send it and when i contacted them again they advised me to contact XXXX XXXX XXXX XXXX and find their contact information from their website instead of transferring the same to me. I denied their claim and said that i will take legal action. please take suitable action against XXXX XXXX as i suspect something suspicious is going on.
10/05/2016	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt was paid	PA 157XX	Web
Not sure if I selected correct description. I contacted this company to see if they would offer a settlement offer on XXXX/XXXX/2016 the offered to settle for 50 % of debt that must be made with in four payments I did make all my payments online making what the box for payment amount asked me to make. I made my last payment on XXXX/XXXX/16. Here is payments and amounts I made according to bank statements XXXX/XXXX/16 {$60.00} XXXX/XXXX/16 {$60.00} XXXX/XXXX/16 {$54.00} XXXX/XXXX/16 {$43.00} I will attach copies of what I got from their website on XXXX XXXX, 2016. Their payment state different dates than what my back states as payments. I contacted credit bearus cause this account is n't showing paid and also called first national collection bureau, inc and they are telling me that I did n't make all payment to clear this account and I told her according to records and their website all is paid. so that is why I am filing this complaint I would like this to be settled.
04/17/2015	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt is not mine	FL 34609	Web	Servicemember
I am XXXX XXXX XXXX XXXX and XXXX XXXX veteran and have lived at my address since XX/XX/XXXX. divorced from XXXX XXXX XXXX XXXX XX/XX/XXXX in XXXX XXXX a few years ago bills from my ex for which I have no connection, bills were created after my divorce, were being sent to my family in XXXX XXXX, he has never lived at that address. they stopped sending them there. Now Bills are appearing at my current address. He had never lived here in fact I purchased the house after 8 years after my divorce in XXXX. I do not understand why these people continue to torment me when I have nothing to do with this person. I do n't know where he lives or anything about him. XXXX I received mail from XXXX XXXX XXXX # XXXX who bought the {$15000.00} debt from XXXX XXXX ... .**************** now I received mail from First National Collection Bureau XXXX # XXXX. I think for me a XXXX vet with XXXX ... this breach of my privacy is unconscionable. he has no connection to me and I feel violated
07/10/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Threatened to take legal action	MN 55117	Web
First National Collection Bureau sent me numerous letters on behalf of the original debtor and a settlement offer which I accepted and PAID IN FULL XXXX weeks ago. I requested a letter of clearance be sent me and I was assured it would be sent in the postal service. I never received the letter. XXXX weeks later, I requested the letter of clearance be sent via email and was assured it would be within XXXX hours. It was NOT. I called XXXX today, XXXX/XXXX/2015 requesting it and was told it would be later today. It was end of business today when I called. NO SUCH EMAIL CAME! I am doubting whether the company even applied the payment to clear my debt or whether they are even legitimate. I WANT THIS LETTER because it is listed on my credit report and I requested that XXXX XXXX and XXXX remove it after it was paid. It is still in my credit reports. I do NOT have the letter of clearance to provide the credit bureaus and it is affecting my credit score negatively.
08/05/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a purchase shown on your statement Card was charged for something you did not purchase with the card	MA 01923	Web
I received a call on XX/XX/XXXX from this collection agency called First National Collection Bureau. The representative stated that my credit card went into collections and they were looking for payment. I asked what type of card it was and when it was opened. The credit card is a XXXX credit card and it was opened in XXXX. Now, I have never had a XXXX credit card and I had to deal with Identity theft back in XX/XX/XXXX. I requested some statements and I received them. It has my maiden name on it which i have been married for almost 4 years and my current address that I provided. The address listed on the statement connected to the card is XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX. Now, I have never lived outside of Massachusetts my entire life and I am 44 years of age. There is a transaction for XXXX apartments which I have never lived in. What are the next steps on reporting this as fraud and removing this from my credit? Please I need some help!!!
10/20/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	CA 92570	Web
i got a collection letter from First National Collection Inc. They say i owe a debt from XXXX XXXX of {$240.00} from back in 2007. i have contacted XXXX and they have no record of me having an account with them. I contacted First National about the issue and both the people i spoke with were extremely rude. i explained to them that i had never had an account with XXXX XXXX and that i contacted XXXX and they have no record they told me that they wont because they sold the debt. I informed them that they would have record because the are obligated to. They reluctantly said that they will file a dispute and i was waiting on hold and than the supervisor hung up the phone on me. i called back and she said that there was nothing else and since i think i know everything that is why she hung up. when i asked for any info on the account all she gave me was the date when they bought it and the addresses they had on file and wouldnt give me any other info.
05/14/2015	Yes	Debt collection Credit card	False statements or representation Attempted to collect wrong amount	NJ 07306	Web
This company has repeatedly sent me bogus letters about a Debt that is Time-Barred. In their wording they are trying to re-age the debt. It is over 15 years old. They are zombie collectors. This alleged debt has not only exceeded the statute of limitation but is also no longer valid nor can it be validated by the original company or by the zombie collectors. They are using unethical and illegal practices to try and collect a debt that can no longer be validated due to it being over 15 years old. I have contacted the company " XXXX XXXX '' the original debtor and they can no longer find it to validate it even with the extremely aged account number First National is referencing on the letter they sent me. New Jersey 's Statute of Limitations for Credit Card Debt is : 6 years State Statute 2A:14-1. This company is violating the Fair Debt Collection Practices Act ( FDCPA ) by trying to reage accounts for their financial gain.
03/03/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	TX 78640	Web	Servicemember
On XXXX XXXX, 2016 First National Collection contacted my husband regarding a debt that they are saying that I owe from XXXX. My husband informed them that he had no idea what they were talking about and asked how they got his phone number. He called me to find out what was going on and so then I called them. When i asked them for proof of debt they did not have anything, when I asked simply for something that shows that I actually owe this they could not provide anything other than a bill from them that says I owe money to some online university. They have asked me to send them a letter requesting proof of debt. I feel it is very unfair that I should have to prove to them that I do n't owe anything .... they should have to prove that I do owe something, Its highly unethical for a company to call and harass me about something they are saying that I owe when they have no way to prove or even validate that I do owe them anything.
07/02/2015	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt was paid	NJ 08234	Web
this debit was paid to XXXX on XXXX/XXXX/2010 they never provided me a letter stating that the debt was settled in full. i did not settle for partial it was settled in full as the cards limit was anywere from {$300.00} to {$400.00} secured credit card i paid the balance they gave me of XXXX which included fees and accrued interest. This i now that XXXX time my settled in debit was sold by XXXX to another collections agency and i am quite frankly tired of cleaning up and being held responsible for something XXXX failed to do which is report accurate information to all XXXX credit bureaus and cease collections activity. I am not filing a complaint with CFPB in hopes that this activity and negative information is finally and permanantly removed off my record including credit report. i will provide a copy of my bank statement as proof that it was paid since XXXX never sent me a letter showing that the debt was settled.
08/19/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	TX 765XX	Web
I had an account with XXXX from XX/XX/XXXX to XX/XX/XXXX. I sold my house and called them to inform them I was cancelling service. They informed me I was no longer under a service contract and it would not be a problem. I thought the matter was over but I recently checked my credit report and discovered they were reporting a balance in the amount of {$900.00}. I called FIRST NATIONAL COLLECT and they informed me they did not have any details with the account. I then called XXXX and they said it was due to early termination. ( I had this account for more than XXXX years ) Then, they said they never received equipment that needed to be returned. I talked to a supervisor that said he would adjust the balance to {$220.00}. I called today and the balance is {$900.00}. I spoke to several reps with XXXX and nobody can give me any answers. I need help in this matter because I paid the account as agreed.
08/05/2018	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	FL 33971	Web
1 ) Recently received debt collection letter from XXXX XXXX XXXX XXXX XXXX , XXXX ; dated XX/XX/2018. Referencing XXXX XXXX Bank Card XXXX XXXX ; Total {$11000.00} ; ref no. XXXX ; current creditor ; XXXX , XXXX 2 ) respondent has not owned a credit card in 10 years ; statute of limitations for Florida and Georgia is 5 years and 6 years respectively. 3 ) respondent did send out a debt validation letter and cease and desist letter but the company First National Debt Collection Bureau , Inc has no working fax number and has two addresses one in XXXX, NV and another in XXXX, PA. All information on the company is hard to find and most likely old and out dated. A ghost of a company. So I am not sure if my debt validation letter or cease and desist letter will get to their proper destination. 4 ) I dispute the claimed debt as not verifiable and way beyond any statue of limitations for collection.
08/03/2021	Yes	Debt collection Credit card debt	False statements or representation Attempted to collect wrong amount	FL 33411	Web
On XX/XX/XXXX, XXXX received the first initiation of debt from the First National Collection Bureau that I owe $ XXXX requested verification on XX/XX/2021, via a certified letter. On XX/XX/2021, I received two letters stating that XXXX XXXX XXXXXXXX XXXX manages XXXX XXXX, XXXX on behalf of the First National Collection Bureau. The other was an account summary report stating that the debt was validated. I responded on XX/XX/2021, requesting that XXXX XXXX XXXXXXXX XXXX ceases communication with me. Since the debt in question has been legally expired under the Statute of Limitation and they were a direct violation of the FDCPA. XXXX XXXX XXXX, XXXX continues to harass me for on XX/XX/2021, I received yet another printout summary saying the debt has been violated. I have then again responded and requested that the cease communication since this debt has reached it Statute of Limitation.
05/11/2016	Yes	Debt collection Credit card	Taking/threatening an illegal action Threatened to sue on too old debt	CA 90805	Web
I received a voicemail on my cellular phone on XXXX XXXX XXXX at XXXX XXXX about a complaint that I was named in from XXXX XXXX of XXXX XXXX XXXX XXXX saying they mailed me documents and If i did not respond that day no further assistance is needed and they would take up the matter with my payroll department at my job. I called spoke with a man by the name of XXXX XXXX of the legal department. I asked what the debt was he said he does n't not have all that information, either I paid or go to court to explore and find out if the debt is valid. I went through my files and found that the debt in question was originally owned by First National Collection Bureau Inc . They sent me a letter inregards to the debt, I inreturned sent a debt validation request letter via certified mail on XXXX XXXX XXXX. I received no information about this card until XXXX XXXX when i received the call from XXXX.
11/10/2023	Yes	Debt collection I do not know	Electronic communications Frequent or repeated messages	MD 20902	Web
On XX/XX/XXXX at XXXX and XX/XX/XXXX at XXXX I received an image via text with the following message : FROM : First National Collection Bureau , Inc . TO : XXXX 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 that purpose. This is a text from a debt-collector. Call us at XXXX or visit us online using reference number XXXX at fncbinc.com. Reply STOP to stop texts. I also received the following text message : Call us at XXXX or visit us online using reference number XXXX at reminder.fncbinc.com/fncb Reply STOP to stop texts. I received these messages on other occasions : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. On XX/XX/XXXX, I received these messages from the number ( XXXX ) XXXX. On XX/XX/XXXX, I received these messages from ( XXXX ) XXXX.
03/02/2020	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	MD 21703	Web
I mailed a certified letter to First National Collection Bureau Inc in XX/XX/2020 because they have contacted me numerous occasions regarding a debt they say belongs to me from XXXX XXXX XXXX. In my certified letter I asked the First National Collection Bureau Inc to please provide me proof that the debt they say I owe is valid because I never authorize XXXX XXXXXXXX XXXX to authorize a credit card in my name. In my letter, I also asked First National Collection Bureau to re-frame from calling me and to communicate with me through postal mail because they have been harassing me with at least five calls a day. I have a history of all the times they called. I also file a dispute with the XXXX XXXX and XXXX for them to investigate this case as well. I also reached out to XXXX XXXXXXXX XXXX and they encourage me to speak with First National Collection Bureau Inc.
03/21/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	WA 98006	Web
I received a letter from First National Collection Bureau , Inc. stating that their client " XXXX XXXX XXXX '' is offering a discounted offer to pay off a debt. The letter indicates the current Creditor is XXXX XXXX XXXX and the original creditor is XXXX. I have never held accounts with either of these entities and feel this debt is not valid and certainly not my debt. I have done some research online about XXXX Funding and find that there is a ton of information on credit reporting websites that show this XXXX company is conducting illegal collection activity. I am writing this company back directly disputing this debt and requesting that they remove my name and address from their accounts and cease and desist in all further contact or request for payment since this debt does not belong to me and I have no responsibility to pay this debt.
04/07/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NJ 08054	Web	Servicemember
I recieved a letter in the mail this week from First National Collection Bureau, informing me that there is a judgement collection on behalf of a current creditor of XXXX XXXX, with an Original Creditor of XXXX XXXX XXXX. The debt amount is for {$11000.00} and a judgement date of XX/XX/2007. This debt is not mine. I have never had an account with a XXXX company or palisades acquisition nor is this a judgement rendered against me. I believe the letter to be a scam or an error. Additionally, I recieved this letter at my NJ address ; my father with the same name lives in NY and he recieved an identical letter with the same creditor and dollar amount a week ago, leading me to believe this is a scam and the company may be sending repeated letters out to as many people as possible. This debt is not valid and not mine and this needs to stop.
07/21/2023	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	CA 95376	Web
For several years ( even prior to COVID ), I have continuously receive unsolicited phone calls and text messages from First National Collection Bureau , Inc. addressed to a " XXXX '' regarding debt collection. However, my name is not " XXXX '', and I do not know or am not associated with anybody named XXXX. Furthermore, I do not owe any debts, and even if I did, I have not received any debt validation letters. In the past two months alone, I have received these text messages from at least three different phone numbers for this same company on the following dates XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In the past, I have received harassing phone calls regarding this bogus debt. It appears that a " XXXX '' has been potentially using my phone number to sign up for bogus accounts with debt, which I am not associated with.
11/23/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	WA 982XX	Web	Servicemember
First of all, the debt that they are claiming that I owe them is false. They are claiming that I owe XXXX wireless money when I do n't. Long ago I did have an issue with XXXX, but we settled it out of court. On top of that I did declare bankruptcy about 5 months ago, so even if I did owe this company or XXXX any money, that was wiped out and they are illegally contacting me. In addition, when I contacted them to get this resolved they refused to resolve the situation and hung up on me. That refusal would also invalidate any debt even if it were valid, which it is n't for XXXX reasons already stated. Finally they were asking for my social security number, which they have no right to do and I am not obligated to give them. When I refused they refused to do anything except demand it and eventually hang up when I stood up for my rights.
09/14/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	AZ XXXXX	Web
Received fraudulent payment demand from First National collection bureau, INC.. sparks, NV. Received fraudulent payment demand from FNCB dated XXXX/XXXX/16 for an balance of {$130000.00} indicating that the current creditor is XXXX XXXX XXXX XXXX, NONE Of these companies are on my credit report. or ever were. and I would like to dispute it. Ref # XXXX / XXXX XXXX Bank XXXX Account XXXX. Original Account XXXX. I do not have any accounts with any of these companies, and would like this company to cease and desist all collection activity immediately, including mail and phone. I would like written documentation stating that this collection activity has been terminated and verifying that all credit bureaus have been notified, effectively negating/removing any negative reports regarding this fraudulent claim for my records.
11/09/2018	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	NY 12180	Web
Years ago, 23 years ago to be exact, I had a XXXX card with a balance of {$1500.00} ( give or take ) that I always paid on. Got a statement in the mail that I had a {$3000.00} courtesy check that was made on the account. I called XXXX numerous times and they told me that they would take care of it. Recently, I received a letter from First National Collection Bureau , Inc stating that I have a {$11000.00} balance/judgment with them. I called them. They told me I was taken to court in New York back in XX/XX/2005 ( I was living in Florida at the time and never received notification of any court proceedings against me ). I contacted identity theft websites that led me to this one. They told me to get paperwork from First National ( validation information regarding the judgment ) which they never sent me.
06/02/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	FL 33144	Web
I am a victim of identity fraud since 2011. First National Collections Bureau Inc. is representing XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX who claims I owe them for purchases made in the amount of {$660.00}. I have already sent them a letter in writing with police report & other documents as proof that I had my identity stolen and that someone duplicated my social to file taxes in this same year. Since then yearly I get my credit report and the government sends me special instructions in order to verify myself when filing taxes. I have never ordered any items nor have I received merchandise at my permanent address ( 10 years ) XXXX XXXX XXXX XXXX XXXX Fl XXXX. I checked the only personal bank I use to confirm that I have not been charged nor was my account used to make purchases to XXXX XXXX.
11/21/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Frequent or repeated calls	ME 048XX	Web	Older American, Servicemember
Have been receiving numerous calls from XXXX XXXX XXXX XXXX XXXX, Maine. When I pick up the receiver no one answers and there is no recording, just silence. This goes on day after day. Finally yesterday, XXXX/XXXX/2015 after receiving another call I called the number back. Woman who answered said she was from a Collection Agency, did not give a name of the organization and that she was looking for a woman, XXXX ( XXXX name ) which I can not remember. I informed her that my wife and I live here and there is no XXXX living here. Calls from this number are nearly everyday, often twice a day. The least they can do is answer the phone when they call my home. I hope you can rectify this nuisance for me. I have no debts other than monthly bills and have never dealt with a debt collector. Thank you.
06/21/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was paid	AR 72015	Web	Servicemember
Debt is out of date ( uncollectable due to age- as admitted on the debt collector 's correspondence ). There are 2 or more collectors trying to collect the same debt. The first one is : XXXX XXXX XXXX , XXXX ( also has First National Collection Bureau, LLC listed on their correspondence ) Thier number listed is : XXXX Account reference number is : XXXX ( account number is not fully listed ) The second one is : XXXX XXXXXXXX XXXX XXXX Their number is : XXXX Their Address is : XXXX XXXX XXXX, XXXX XXXX XXXX Texas, XXXX First National Collection has said in their communication that they can not sue, collect, or report to the credit reporting agencies due to the age of the debt. I believe that they are both trying to trick me into accidentally restarting the debt so that it is collectable.
05/29/2015	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	CA 93455	Web	Older American
I am getting repeated harassing phone calls where no one even speaks when I answer. According to caller ID and XXXX phone bill these calls are coming from FNCB INC at ( XXXX ) XXXX, a debt collection agency. I have not debts in arrears, These people have not written me nor talked to me on phone-just repeated calls with no one there when I answer. Called me XXXX this morning and woke me up at XXXX XXXX and XXXX XXXX. I am ill and in bed and harassed by this dumb tactic? This company also called two weeks ago and same thing-no one spoke when I answered phone. Is this some new bizarre tactic by bill collectors?? Harassing calls without even speaking to the people they bother by calling? Unprofessional.Maybe if they can get me to call them it opens the door for more contact?
04/13/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	OK 735XX	Web	Older American, Servicemember
I keep getting calls on my cell phone from this debt collector. I do not have any debts outstanding now or from the past I have been receiving calls from a XXXX for over 5 months. I have the number blocked and they keep calling my cell phone. I have researched these XXXX and it appears to be a company called First National Collections Bureau. These XXXX are relentless from what I have read on the internet, it appears that the government has done little to nothing to stop these XXXX. I bet if these XXXX started to call the FTC or some other government agency something would be done to shut them down. So for now all I can do is be another complaint about a company that needs to spend some jail time and not a fine or slap on the wrist for harassment. Thanks XXXX from Oklahoma.
04/30/2020	Yes	Debt collection Credit card debt	False statements or representation Attempted to collect wrong amount	CT 060XX	Web
On XX/XX/XXXX at XXXX I received phone call from First National Collection Bureau saying I owe over {$23000.00} in a XXXX debt on a credit card that was not my debt. He used threatening words saying I failed to appear in court and was attempted to be served 3 times under the wrong name. He asked personal questions that had nothing to do with a debt. I asked to speak to the fraud department numerous times as well as asking for a manager. He did not give me a number and continued to use threats of FTA and arrest. He gave me a supposed court docket number that wasn't accurate as I looked it up on the public judicial site in my state. Hoping to get some assistance as to what I can do about this issue and hopefully help others who may be going through something similar.
06/01/2016	Yes	Debt collection Credit card	Improper contact or sharing of info Contacted me after I asked not to	TX 773XX	Web
This is outdated old debt older than 7 years old that should have already fallen off of my credit report and I have asked them to quit contacting me year after year, yet they continue to follow me even when I move and when I change my address and phone number. They send letters and call me. They updated the debt on my credit report so it renewed a couple of times and would not leave my credit report. It looks to me as though they changed the dates of my debt from the original default dates so it would stay on my credit report longer than 7 years! I know this because I never opened any cards in XXXX or XXXX or XXXX! I noticed that a few of my debts keep getting renewed over and over again to update them over and over again so they wo n't fall off of my credit report.
12/20/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	NY 12590	Web
First National Collection Bureau Inc. XX/XX/XXXX- Constant calls related to debt. We advised we do not have, nor had this credit card. To stop calling. as of XX/XX/XXXX we continue to receive calls related to this debt. We now receive written debt collection of said debt. I have sent a certified letter on XX/XX/XXXX to cease communication on this unsubstantiated debt we do not own. In addition, this debt is over 10 years old. well beyond statue of limitations in XXXX. We will also be contacting the three credit bureaus to identify this debt as fraudulent and the attempt to collect to be the same. We ask for your help to eliminate this deception to collect a debt by First National Collection Bureau Inc. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX
03/03/2023	Yes	Debt collection Credit card debt	Written notification about debt Notification didn't disclose it was an attempt to collect a debt	OR 978XX	Web
I win a bid on XXXX, i pay the item with a temporary credit card number ( from XXXX ) but i never receive the item and they never ship to me! so i decide cancel the transaction we went trough several calls etc. and they give me a resolution at that time ( summer of 2017 ) they says ( XXXX ) is all clear for me. but years later i start receiving collections letters offering to me pay in payments etc. i call it again, resulting again was all clear, now they put me in my credit report like I'm still owing that money for the item i never get! i call again to paypal, but they don't have any records that shows i owe that money. but still in my credit records, i really need to remove that mark as soon is posible, may affect my credit score, thanks in advance.
03/06/2019	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	CO 80220	Web
On XX/XX/XXXX, I got a letter from First National Collection Bureau , Inc. saying that a judgement against me was in place by their client XXXX XXXX XXXX. and the original creditor was XXXX XXXX XXXX XXXX As of the date of the letter the amount owe is XXXX ... ________________________________________________________ On XX/XX/XXXX, I sent my dispute to First National Collection Bureau , Inc . The verification sent to me on XXXX XXXX didn't prove I owe this debt. a copy of a credit card account with XXXX XXXX XXXX XXXX that didn't have my information. A copy of a default judgement dated onXX/XX/XXXXwith State of New Mexico County of XXXX XXXX XXXX XXXX District Court .the balance was XXXX court costs {$160.00} and Attorney 's fees of {$200.00}.
11/11/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	VA XXXXX	Web	Servicemember
My husband is in the military and I am a spouse that has followed my husband XXXX for the last 10 years. I have sent proof that this account is not mine since I was living XXXX during that period of time but they ignored the letter. This account although was not mine I still payed it because it was hurting my credit. I never received a notice just until XXXX of this past year and I went online and payed for the account. The person used my hotmail account to open this account. I have sent copies of documents and even an affidavit from the XXXX we are posted on and still there is no resolution. I do not know what else to do solve this problem since I still live XXXX with my spouse serving our country. This has been an ongoing issue since 2012.
08/17/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Frequent or repeated calls	IA 526XX	Web
This phone number- ( XXXX ) XXXX will call atleast 1-2 times a week. I will answer the call, say hello, nothing, no background noise, no sound from whomever it is on the other line and then they hang up. EVERYTIME. Today ( XX/XX/XXXX ) I decided to call back. I asked why they constantly call me and never say hello and hang up. Her response was that it was a Robo call and they can not control it. This was unacceptable. I asked for a manager his name was XXXX XXXX. He was rude to me, brash and tried to trick me into confirming my identity. I decided to research the company and there are numerous complaints against this company. I do not feel comfortable providing my name to a company that can not be professional when they call me.
01/14/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	LA 70360	Web
Regarding XXXX CS Number XXXX Previously, I contacted XXXX to verify the return of the company 's equipment. I am disputing the total amount of {$330.00} debt or any portion requested by First National Collection Bureau , Inc., XXXX XXXX XXXX, XXXX, XXXX XXXX and contact number XXXX. I returned all equipment on XXXX XXXX, 2015, to a XXXX Installation Technician. The Technician was installing cable network for my niece XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX. The Technician informed me that he would turn in the equipment promptly. Therefore, I trusted the Technician ethical and moral since XXXX hirer responsible employees for providing excellent customer service. Therefore, I should n't be charged or harassed for funds on my account.
08/28/2017	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	LA 70119	Web
first national collection bureau sent me a letter on behalf of XXXX XXXX XXXX original creditor is XXXX XXXX ending in XXXX ref number XXXX total due is XXXX. this is not my account nor did I ropen this account ever in my lifetime,. It is n't on my credit report nor has it ever been listed in my credit report ever. they can be reached at XXXX XXXX XXXX. they do n't want to heart me all the want is my XXXX XXXX XXXX XXXX XXXX XXXX money. XXXX them I do n't owe them. They have a very poor rating as a scam company after researching on XXXX. this is the 4th letter I have received from them in four years .. I would like it if you can help me purge myself of these insidious predators. working in a bolier room to steal mine and others money.
11/22/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	TN 37660	Web	Older American
XXXX sent a " kill code " that destroyed my bought and paid forDVR player. I was required to purchase my DVR because XXXX said that I did n't qualify for a free one, I had to pay XXXX USD for my DVR. Not only did they kill my DVR on XX/XX/XXXX @ XXXX XXXX, there was no outstanding balance on my account. XXXX stopped providing service in XX/XX/XXXX. XX/XX/XXXX I received a bill for XXXX USD for services allegedly provided XX/XX/XXXX, how? They required me to first purchase a DVR, then killed that DVR and then charged me for services I could not have received. When I refused to pay for services not delivered, XXXX illegally turned my account over to collection which severely affected my credit score. My score dropped XXXX points.
05/21/2015	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt was discharged in bankruptcy	VA 23320	Web	Servicemember
I filed Chapter XXXX bankruptcy in 2008 and all creditors, secured and unsecured were included. The bankruptcy was discharged and shortly afterwards, XXXX of the unsecured creditors " appears '' to forward the account to a XXXX party collection agency, with a different account number than the original XXXX. This same discharged account has been passed on to at least XXXX other XXXX party collection agencies, since the bankruptcy was discharged. I made an attempt to contact the XXXX party collection agency a few days ago, and other than the individual on the other end of the phone being very nasty and derogatory towards me, she said there was nothing she could and provide her proof that the account was placed in bankruptcy.
07/22/2015	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt was paid	CA 923XX	Web
I had a delinquent account through XXXX XXXX XXXX XXXX. A collector called me over the XXXX yr collection time. Since I am working on my credit, we agreed on half the cost, {$1700.00} plus. I have record of payment complete. This was in XXXX or XXXX. On XXXX XXXX, I get a letter from First National Collection Bureau stating I owe {$3900.00}. However, this is an account number for a XXXX XXXX XXXX XXXX XXXX with my XXXX total. Furthermore, they used a name that I stopped using after my divorce from my first wife, nor have I ever owned a XXXX XXXX. I believe these practices are fraudulent. The letter states I have XXXX days to respond or I automatically assume responsibility. I have paid my debt, and I have good credit.
10/05/2022	Yes	Debt collection Credit card debt	Threatened to contact someone or share information improperly Contacted you after you asked them to stop	GA 302XX	Web
My husband and I divorced XXXX/2019. We did not accumulate any debt together. First National Collection Bureau XXXX has been harassing me about a debt belonging to my ex husband. In my divorce decree we listed our creditors. I do not have an account with this company nor have done business for this company to contact me and harass me. They have left obscene messages on my personal phone. They stated they are attempting to collect a debt which is a violation. I am not who they are looking for yet they have violated me by telling me my ex owe a debt. That is not my problem it is a their problem. I have ask a representative not to contact my phone bc by law my ex husband husband is legally living separate lives.
04/08/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	AL 36869	Web
First National Collection Bureau, is attempting to collect on a bill that is 10 years old. I complained to XXXX last year about they could not try to collect on a debt over 7 years old and they agreed and they said they would not attempt to collect on it anymore. Now i receive a collection letter from First National Collection Bureau, trying to collect for XXXX and they know they ca n't make a consumer pay after 7 years but they are still trying to collect anyway. I have a letter from XXXX stating they will no longer collect because its past the 7 years, and they said their is a statue of limitations. If the consumer is suppose to follow the status of limitations rule, then show should collection agencies.
10/31/2022	Yes	Debt collection Credit card debt	Threatened to contact someone or share information improperly Talked to a third-party about your debt	FL 33178	Web
I was contacted today by a representative with First National Collection Bureau regarding a XXXX XXXX XXXX I asked the representative if they could provide information via mail for me to review. They representative also asked me while on the call if I was related to or knew another individual as they had a file for them as well and had my number listed for them. I dont believe that they should be disclosing that information about some elses debts and also asking me if I know them or if I am related if that has nothing to do with the reason why they are calling me. That made me very uncomfortable because they could be sharing your information with other people and that is not maintaining any privacy.
06/09/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	MA 019XX	Web
XXXX org now have first national collection noticed on my credit report called national collect told me the dept was for service at a XXXX mass. address i told them i never lived in XXXX they told me to go file with police after police wanted a copy of contract i have been trying to get a signed contract for over 8 months nat collect and XXXX have not sent me a copy ihave tried with XXXX letters to them each XXXX deleted from my credit report but the other XXXX have not but after 6 months they did remove the false address in XXXX but they wont remove the collection of {$110.00} i asked them to send me any info how did they verify the bad dept send me a copy of a contract never any response
08/24/2017	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	FL 339XX	Web
Representative called and the first thing I heard was that the call was being recorded and them asking to speak with my husband. When I notified them that they were calling his wife 's phone, they asked me for his social security number to verify who they were speaking with. I informed them I do not give out our information and they asked me to have him call, and tried to hang up without providing any information. They never announced the name of their company when I answered the phone, and when I asked for the name of the company, they provided it, and quickly hung up the phone without giving me a phone number. I reverse XXXX the number of XXXX from my caller ID to get their info.
06/17/2015	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt resulted from identity theft	MN 554XX	Web
First National Collection Bureau Inc is the debt collection agency for XXXX XXXX. I am a victim of identity theft and someone stole my personal information and identity and opened up an unauthorized and fraudulent credit card account with XXXX XXXX. The account do not belong to me. First National Collection Bureau debt collectors has repeatedly called me about a debt for {$390.00}. I do not owe the debt to First National Collection Bureau. I have received countless phone calls from First National Collection Bureau in regards to the debt owed and have been harassed, verbally abused, sweared at and threaten with arrest, harm, death and wage garnishment, if I do not pay the {$390.00}.
04/24/2023	Yes	Debt collection I do not know	Communication tactics You told them to stop contacting you, but they keep trying	TN 381XX	Web
This company calls my phone number at least 10 times per day, including multiple text messages looking for another individual that I am not related to, familiar with, etc., and although I have told them various times to remove my phone number from their file and to never call or text again : they continue to do so. I have been telling them for the last two months that they have the wrong number : but the calls, texts, and harassment continues all times of the day and night, including weekends! The texts state their number is XXXX and the number of the company is First National Collection Bureau , Inc . They call from multiple numbers, as well as text from various phone numbers.
10/03/2017	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Sued you without properly notifying you of lawsuit	NJ 078XX	Web
I received a letter today XXXX/XXXX/XXXX stating that a judgement was entered against me for an outstanding debt of {$1200.00}. I called the XXXX XXXX XXXX. I spoke to a XXXX, that asked if I would like to make a payment. I said no! I asked about the validity of this debt and about its age, since I have no recall of it. She could not answer me and said someone would call me back. I have checked all my credit bureau 's, I DO NOT have any open collections or judgement against me. I now have a XXXX off wife that thinks this is going to affect our credit rating! I want a letter stating that this is not my debt and an apology from this so called collection agency
04/16/2016	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt was paid	NH 034XX	Web	Older American
First National Collection Bureau , Inc. through XXXX is attempting to collect a debt that has long passed any legitimate time frame to collect. In FTC XXXX ( 2009 ) the Federal Trade Commission made is clear the defining terms on a legitimate collection. The first one being that is the debt collectible within state guidelines of the consumer 's domicile. This time line has passed several years ago. I have attached a copy of my complaint directly against XXXX for doing illegal collection practices and for re-aging the legal timeline for removal. I demand that my file with First National Collection Bureau , Inc. be purged immediately and permanently.
12/24/2018	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	VA 22202	Web	Older American
First National Collection Bureau uses intimidation tactics, many phone calls and letters to attempt to collect from XXXX XXXX XXXX -which is not related to XXXX XXXX , even if I have repeatedly written to them informing them that I am not the person they are looking for and not even had ever any accounts with that " bank '' in Nevada . I am a current account holder with XXXX XXXX XXXX, in good status and never had any contact with any collection agency representing my banking institution. They are either " phishing '' to see if any innocent bystander answers, or re-dating debts that are not even mine. Not even my name is correctly stated.
04/26/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	AZ 860XX	Web
Received text message today from ph # XXXX. Messages says " Call us at XXXX or pay online using reference number XXXX at text.XXXX. Attachment of correspondence : From : First National Collection Bureau , Inc . TO : XXXX 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 that purpose. This is a text from a debt collector. My husband had filed identity theft at our local police department and has notified all agencies involved. He is not receiving these messages. I am the one receiving messages. This is harassment from the debt collector.
10/02/2018	Yes	Debt collection I do not know	Communication tactics You told them to stop contacting you, but they keep trying	WA 98661	Web
I have received multiple mailings and phone call ( s ) from First National Collection Bureau about a debt and have informed them over the phone and in writing to contact my attorney numerous times. Most recently I sent them a certified letter which I have receipt of being delivered on XX/XX/2018. As you can see from my incoming XXXX phone log a phone call was again received on XX/XX/XXXX from First National Collection Bureau. I informed them I had receipt of my certified letter informing them that I had retained an attorney years ago and that he should be contacted and I would contact the FTC, BBB and my WA State Attorney Office.
05/04/2015	Yes	Consumer Loan Installment loan	Managing the loan or lease	PA 19348	Web
More than a decade ago, I began receiving debt collection letters and calls regarding a XXXX XXXX loan for someone with a similar name. Its not on my credit bureau. Its not identity theft. Its debt collector " skip tracing ''. I have received over XXXX calls and letters and I just received another. Every time I contact the collector they just re-sell the debt to someone else, for more than a decade. Then I receive a new set of calls and letters. Its been a dozen different fly by night collector organizations. The current letter is from First National Collection bureau. This is a long time harassment that I would like to see ended.
04/09/2015	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	OR 97124	Web
Basically I have problem with a debt collector named First National Collection Bureau Inc ( FNCB ) ( scan enclosed ) for my alleged debt. My alleged debt charged off date, according to FNCB was on XXXX XX/XX/XXXX. Today is XXXX XX/XX/XXXX. The status of Limitation for XXXX and XXXX where I resided have long gone out. ( scans enclosed ). Also enclosed are several scans of my credit score and report obtained through XXXX, in which I have a very good credit report. I do n't know why FNCB sends me an alleged debt that has been removed from my credit report long time ago. Please tell them to stop sending me unlawful collection note.
12/12/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	MI XXXXX	Web
I was contacted by the debt collection company and informed that I was liable for an outstanding debt that after the accumulation of interest amounted to over {$5000.00}. I was informed that it stemmed from an outstanding unpaid bill with XXXX XXXX/XXXX from 2008. While I made purchases from XXXX in the past, I have no record or recollection of any such outstanding bill nor have any such bills been reported to any of the three credit reporting bureaus. I am of the opinion that this is a fraudulent debt collection attempt. The company identified itself as ... XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, Nevada, XXXX
03/14/2016	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt is not mine	TN 37110	Web
XXXX XXXX EMPLOYEE/SUPERVISOR XXXX XXXX HAS STATED TO ME THAT BY LAW XXXX DOES NOT HAVE TO SUPPLY A STATEMENT ON THE FIRST LATE DATE OF THIS ACCOUNT, NOR DO THEY HAVE TO KEEP THE IN HOUSE RECORDS. I ALSO HAD THEM CHECK INTO ANOTHER CASE THEY HAD IN THERE OFFICE SOMETIME AGO. ACCOUNT NUMBER : XXXX Original Creditor : XXXX, XXXX. Current Owner : XXXX XXXX XXXX XXXX Number : XXXX AND THEY HAD TOLD ME THAT THE ABOVE CASE HAD BEEN DISMISSED, AND THAT THE CASE I 'M DISPUTING NOW ACCOUNT NUMBER : XXXX REF NUMBER : XXXX WOULD BE CLOSED DUE TO HARDSHIP, BUT I 'M STILL BEING HOUNDED BY THEM AND FIRST NATIONAL COLLECTION BUREAU , INC .
07/19/2017	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	CA 91320	Web
This debt has been disputed -- This debt has not been verified with any original documentation from the original creditor. Moreover, even if the same had been provided- the statute of limitations has passed for any debt collection or legal action. Thy are trying to deceive people into thinking they owe a debt- and scare them into thinking they owe this debt and trick people into making a new contract for debt payment so that they can restart the statute of limitations.. Part of their letter states the same -- but a part of it was torn in transit, and i can not read it. That is why the uploaded document looks like it does.
01/12/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	TX 754XX	Web
I never did this program and never received money from a loan or supplies to take these classes. They filed a lien against me and never served me papers so they violated my rights by not allowing me notice to defend myself in a court of law. Also who received the money from this loan? This is the XXXX XXXX and it is a fraud program that is why I never enrolled. Please put a stop to these illegal actions of falsifying court records saying they served me. I would like proof of who signed those papers please. Thank you for your help this is very disturbing! And is showing up on my credit that is how I found out about it.
11/11/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Attempted to collect wrong amount	CA 92705	Web
I was sent an offer letter to collect a debt resulting from checking account bank fees related to a closed account with XXXX. I did not have time to verify the debt but paid it given based on the offer to reduce the debt with XXXX payments of {$64.00} ( {$320.00} total ). I paid {$65.00} x XXXX times and {$63.00} for the last payment ( totaled {$320.00} ). However, the collection agency did not acknowledge the offer they made and wanted to collect the entire balance of {$800.00}. I sent XXXX requests to acknowledge that I accepted the offer with the last XXXX payments but did not receive any response.
06/23/2016	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt was discharged in bankruptcy	CA 92805	Web
Dear sirs, My wife and I are being constantly harassed by this collection agency named First National Collection Bureau , Inc., located in XXXX, Nevada. The collection is for old credit cards which was discharged in bankruptcy some 20 years ago. And in which the statue of limitations has also run out. We have continuously sent them letters telling them to Cease and Desist all collection activities from us. And they just continue to do so. So I 'm contacting you to see if you can resolve this very annoying matter for us.They have been doing this to us for the last three years now. Thank you very much.
08/08/2017	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	MN 55443	Web
I recently wrote a letter to the debt collector company of First National Collection Bureau to explain how, where, and when was the original debt collector of XXXX XXXX XXXX who did not notify me of any transactions which I was not aware of from the original creditor of XXXX XXXX XXXX, when I am a XXXX XXXX XXXX person on assistance in Minnesota since XX/XX/XXXX to not know anything until I have slowly recovered. I feel that anyone can be using my name, social security number, credit card or any information of me to fraud. Please advise me on this situation for which I feel I do not owe anything.
04/05/2019	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	MA 010XX	Web
In XXXX XXXX, XXXX XXXX XXXX put a judgment on my property without contacting me of a court date. They charged me over {$6000.00} with interest. I recently received a debt collection notice from Nevada stating I owed them over {$13000.00} for this judgment. This debt was from my deceased husband and I from before XXXX. At the time in XXXX, I was going through XXXX treatments until aprox XXXX. I was on XXXX all the time since XXXX. I am now XXXX years old and in no way able to pay this debt. The company I received a notice from is XXXX XXXX XXXXXXXX in Nevada ... I don't know if this is legit.
10/31/2022	Yes	Debt collection I do not know	False statements or representation Impersonated attorney, law enforcement, or government official	FL 32256	Web
Today XX/XX/2022 I was contacted via text from XXXX XXXX XXXX. They said they were reaching out in regards to a collection with no information about the collection with a reference number, and then provided a different number to call regarding the collection that phone number is XXXX XXXX. Theyre referring to the reference number of XXXX. I have no knowledge of this collection reference number or account they are referring too. They also provide a website at fncbinc.com. At this time I believe this is a fraud collector, and would like to report this organization. They also misspelled my name.
03/22/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	CA 94533	Web
Over the past year I received numerous letters regarding an alleged debt, In addition to phone calls. This company or individuals have been Continuously harassing me in regards to the alleged debt. In my attempt to put an end to these harassing letter I responded that I do not owe this individual or company any money. However, as soon as I responded to one company I receive a new Collection Letter but from different company but in the attempt to collect the same ALLEGED DEBT. I can not continue to respond to all these letters because it seems that this would be AN endless effort on my part
06/01/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	FL 33064	Web
I was advised by the Internal Revenue Service that my social security number and other confidential information were compromised. Sometime in XXXX to XXXX my personal details were stolen and have been used up to XXXX XXXX when a security alert had been placed on my credit files. These fraudulent accounts range from medical ; utility accounts and credit card accounts and must be deleted from my history. I forward the details of these accounts in question and a copy of the Identity Theft Affidavit and I have had no response from both the credit bureaus and the creditor/collections agent.
01/28/2018	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened to sue you for very old debt	GA 30034	Web
I am not aware of this XXXX XXXX XXXX XXXX XXXX , XXXX. balance. I have never seen anything dealing with this lender. Also, I have been threated that in 30 days they will seek to make a judgement on debt that does not belong to me. I understand that they are looking to offer me a settlement. However, I do not believe the validity of such debt accusation. Furthermore, I will not be limited to the action of court threats when I did not receive any notice of debt based on communication. The amount is {$880.00} from XXXX which was acquired by XXXX XXXX XXXX in 2006. I do not claim debt.
11/01/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Attempted to collect wrong amount	TX 78729	Web
Company claims i owe money for returning new phones within the allowed return time. I returned them the day after i received them and let the company know i was returning them. I was told there would not be any charges or fees for returning them within the proper return time. The limit was within 14 days. I was within that time because i returned them the next day. I talked to a number of people and told me everything was ok. Later i get a bill for XXXX. I would definitely pay it but i feel the company is not holding up to their return policy. I am very disappointed with them.
03/15/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	NY 136XX	Web	Servicemember
First National Collection Bureau , Inc. sent me a letter ( along with a payment book ) indicating that I owe over {$5000.00} to a company I never incurred debt from. On this letter, they indicated that this " debt '' was from 2007. After further research, it was determined that this company has been practicing in false/scam situations similar to this one for years. I ran my credit report ( as a safety precaution ), and saw that this debt is not and never was on my credit report. Upon further research, I saw that this company has MANY class action lawsuits pending against them.
08/24/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NE 68803	Web
I received a phone call. The individual was asking for my full name, social security number and address. The individual stated that they were calling on behalf of national collection buruae. They were going by a different name which I submitted a complaint on due to the fact that they attempted to contact me multiple times. After I stated clearly that I do not want to be contacted by them because I have no business with them, the person calling attempted to instruct me to go to a website or call another number ( within their company ) to be removed from having communications.
08/07/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	OH 43219	Web
Today XXXX/XXXX/2015, I was instructed by XXXX to conference them in with First National Collection Bureau XXXX Inc. to confirm that I paid my agreed settled amount of {$230.00} in full. The First National Collection representative, XXXX XXXX, confirmed that the debt was paid in full, but went on to say, to myself and the XXXX representative, that I need to pay more than the settled amount. Is this legal for First National Collection to request more money, especially since this disputed debt exist due to XXXX attempts to bill for an additional service that I never asked for?
10/18/2023	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened to sue you for very old debt	FL 33598	Web	Servicemember
First National Collection Bureau , Inc. be calling me at all different times of the day & night threatening me. I'm at aware of this account. They still keeping call me and different time of the day and night harassing me. Now todayXX/XX/2023 they are emailing me too. It's so frustrate for an amount of {$970.00} that I don't know. I told them to stop calling me that my XXXX XXXX XXXX and I wasn't working. That I could pay that one because it's not mines and two I don't have any money. They told me well your credit isgoingto go bad if you don't pay back on this account.
10/17/2023	Yes	Debt collection I do not know	Electronic communications Frequent or repeated messages	TX 77063	Web	Servicemember
This company has purchased this debt from XXXX XXXX XXXX which was reported to you and removed. According to 15 USC 1692G It is illegal for a collection agency to buy your debt and come after you. I did not enter into any contract with this company. They have violated my consumer rights by making this purchase. They have obtained personal information from lvnv funding. According to the state that i live in which is Texas the statue of limitations has been far exceeded and no one should be attempting any collection on this account. The date of this letter is XXXX XXXX.
02/05/2022	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	VA 235XX	Web
I have received a letter from this company attempting to collect money on an alleged debt that i do not owe. on the top of the letter it has a company logo ( infringement on my rights to privacy per 15usc1692b ( 2 ) and 15usc1692f ). In the letter it threatens to harm my score with the consumer reporting agencies violating 15usc1692d. In return damaging my reputation 15usc1692d ( 1 ). This letter was found to be very obscene to me, asking for payment on a debt that i do not owe. violating my rights under 15usc1692d ( 2 ). can you please help me with this matter.
02/17/2017	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt is not mine	CA 920XX	Web	Older American
Letter from First National Collection Bureau, XXXX XXXX XXXX, XXXX NV XXXX, Dept # XXXX, Ref # : XXXX. Letter claims to want to collect a debt on behalf of XXXX XXXX XXXX XXXX, of {$64000.00} for {$19000.00}. They provide no proof of debt. In fact, their form letter say " Because of the age of your debt, we will not sue you for it and XXXX XXXX XXXX XXXX will not report it to any credit reporting agency. Then why harass me with their letters. The form letters are not tied to anything, just harassment for what? I want the letters and harassment o stop.
05/01/2015	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt is not mine	VA 24541	Web
Collection company tried to collect 8 years old debt that I do know I made payments from XX/XX/XXXX to XX/XX/XXXX and since then I never recieved bill or late notice for several years. Also I ran credit report and the debt collection is not in credit report which I was under impression it was paid for. There was no communication from Debt collector or XXXX XXXX since XX/XX/XXXX until todayI think statue of limitation has passed because it is 8 year old debt and should have been written off as bad debt since I heard nothing for 8 years. Why now?
11/06/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	AZ 85706	Web
Lost my wallet about XXXX years ago and ever since then I've been getting credit inquires on my report with out my knowledge and calls from applications i have never filled out there is a debt on my credit report that i have no knowledge about and tried explaining what's been going on since then and have got no results i also have called the XXXX and XXXX helping me dispute credit applications and inquires but it keeps on happening and now I have a debt on my credit report that I cant take off since they have all my information to open accounts
06/29/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	FL 33578	Web	Servicemember
FIRST NATIONAL COLLECTION BUREAU sent me a debt collection notice dated XXXX XXXX, 2005, stating that I have a delinquent account related to XXXX. I have not had a XXXX account, and asked them for debt verification, including, but not limited to : Services Contract, documentation of where, where, and how the account was established. They responded by sending me a XXXX statement that is not mine, stating that this is validation of this debt. This is not correct, and I want to know all details of this account from alleged start to alleged finish.
03/28/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt resulted from identity theft	SC 29407	Web
im disputing this account, on the basis that i dont remember having a verizon account in XXXX the company that is fighting over it is XXXX and the collection people are for first national collection bureau, i have been arguing ovrer this bill since XXXX XXXX i also have XXXX dispute this but was told that i had to dispute the other company. i have asked numerous times for all the info on this account to no prevail, please help me dispute and have this erased off my credit report thanks. i have had a problem of someone else using my name too.
09/19/2023	Yes	Debt collection Auto debt	Written notification about debt Didn't receive enough information to verify debt	TX 78666	Web
" On XX/XX/2023, our office received a request for validation from you ''. " On XX/XX/2023 the account was placed in a suspend status and no calls or collection efforts were being performed ''. This was in reply to the letter sent to my home from First National Collection Bureau , Inc . It has been more than 30 days since XX/XX/2023 for validation. Anything after 45 days for grace to valid a debt is not in compliance with the Federal Fair Debt Collection Practices Act. Please return the file back to the original client for further view.
03/01/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt resulted from identity theft	CA 92102	Web	Servicemember
I was called on my cell phone by First National Debt inc. and was told I owed {$210.00} for a debt incurred XX/XX/XXXX while I was in XXXX. The debt was never resolved because by the time I returned home from XXXX and found out about the debt XXXX XXXX was no longer a bank or it moved or something. The website was down and the number was just a recording then I find out that XXXX XXXX was bought by another bank and this debt came from XX/XX/XXXX or XX/XX/XXXX. I was XXXX XX/XX/XXXX and in XXXX XX/XX/XXXX. This debt is nine years old.
05/01/2015	Yes	Debt collection Credit card	Communication tactics Frequent or repeated calls	MA 02149	Web
I owed this debt which I have paid after they offered a settlement. After the amounts was paid and check cleared I have still been receiving phone calls. I called them twice and spoke to XXXX different people which both have said the account was taken care of and a letter will be sent out to confirm the debt has been settled. I have not received that letter yet, credit reported not yet updated, and the calls still keep coming in. The XXXX people I 've spoken to said the calls should stop, but they have not and they do not know why.
05/01/2015	Yes	Debt collection Credit card	Communication tactics Frequent or repeated calls	MA 02149	Web
I owed this debt which I have paid after they offered a settlement. After the amounts was paid and check cleared I have still been receiving phone calls. I called them twice and spoke to XXXX different people which XXXX have said the account was taken care of and a letter will be sent out to confirm the debt has been settled. I have not received that letter yet, credit reported not yet updated, and the calls still keep coming in. The XXXX people I 've spoken to said the calls should stop, but they have not and they do not know why.
08/10/2023	Yes	Debt collection I do not know	Communication tactics You told them to stop contacting you, but they keep trying	NC 27406	Web	Servicemember
I've told First National Collection Bureau to stop contacting me and that they have the wrong number, but they continue to contact me. After I told them to stop calling they sent me a text stating the man they were trying to reach owed a debt and to reach out to them. I do not owe a debt and don't even know the man they're trying to contact. It's also illegal to share that someone owes a debt with someone other than the person being contacted. So they're not only violating me with repeated communications but his privacy as well.
11/21/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	AR 71901	Web
I just received a debt collection letter from First National Collection Bureau inc trying to collect a Credit Card debt from XXXX. I don't have an account with XXXX I've never received a bill from them, I've never applied for a XXXX, nor have I gotten a bill via email from them. This is the first thing I've heard of this debt. I sent them a letter today as instructed by their office stating that this debt wasn't mine and I wasn't responsible for it. Also, this is the third complaint I've reported to the FTC about identity theft.
12/14/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 777XX	Web
On XX/XX/XXXX, I was contacted without consent by stated company for an attempt to collect a debt not owed to stated company. In due to lack of consent I have been threatened under distress to pay stated amount without validation not verification of amount owed. Also in deception that stated company was legally allowed to collect such stated debt. I am requesting immediate action from stayed company as I have sent affidavits and invoices for caused injuries & damages. Due to me being a victim of identity theft, so be it ;
12/08/2015	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	CA 92301	Web
First National Collection shows a collection on my account for XXXX XXXX. I already resolved this with XXXX and I have never heard from First National Collection until my mortgage company informed me of the account. Per Fair Debt Collection Practices Act, XXXX XXXX XXXX Sec. XXXX they have not validated this account. I have not moved and have the same cell phone number for years. They have made no effort to contact me to validate this prior to reporting it. Again ... I already turned in the box to XXXX. They made a mistake.
06/04/2015	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	MI 490XX	Web	Older American, Servicemember
I have received XXXX calls from FNCB, telephone number XXXX. When we answer the telephone, no agent is on the line to explain the reason for the call. The calls have occurred on XXXX/XXXX/2015 at XXXX, XXXX/XXXX/2015 at XXXX, and on XXXX/XXXX/2015 at XXXX. The calls come to XXXX which is on the Federal Do Not Call list. My credit report shows a credit rating of XXXX, and we are not in arrears on any debt. At XXXX years old, I do not wish to run to the telephone to find no agent connected to explain the reason for the call.
05/29/2015	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt resulted from identity theft	SC 290XX	Web
Received calls and mail correspondence from First National Credit Bureau in reference to a 2004 XXXX debt that was a result of identity theft but was sold to XXXX XXXX and now has been sold to FNCB. This debt has not and can not be validated. I 'm requesting assistance in handling this matter properly and swiftly. This is considered junk debt being that it is XXXX years old and besides it was opened in my name without my consent. I have attached the original police report and letter I received from the collection agency.
01/06/2024	Yes	Debt collection I do not know	Communication tactics Used obscene, profane, or other abusive language	PA 191XX	Web
National Collection Bureau , Inc., a debt collector. Contacted me via telephone using an anonymous phone number to deceive me into accepting a contract that I have no idea about. This language is profane, and violates my consumer rights. 15 usc 1692 protects me as a consumer from abusive and misleading phone calls @ XX/XX/XXXX, XXXX. The bogus phone number that they used to contact me was XXXX XXXX. This is false and misleading. I would like to see for damages of {$1000.00}, for violating title 47 u.s.c 223 ( b ) ( 2 ).
05/22/2015	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt resulted from identity theft	SC 290XX	Web
First National Collection Bureau Inc. is attempting to collect a debt that is not only a result of identity theft but is as we know junk debt that has been re-aged from 2004. I take my credit very seriously and anyone who violates my consumer rights and protection. This debt can not be validated per the FDCPA or the FCRA for identity theft victims. I 'm tired of the harassment rather it be calls or letters. Attached is the original copy of my police report and the letter I received from First National Collection Bureau.
09/23/2015	Yes	Debt collection Credit card	Taking/threatening an illegal action Threatened to sue on too old debt	TX 77004	Web
I was contacted by this creditor regarding a debt from 2003. I notified in writing this debt is too old to be sued for and I asked not to be contact regarding this debt. I was than contacted again by mail, which advise me to call. I explained to the creditor XXXX that they are past the statue of limitations to collect on this debt, and she advised me that they can sue, then she said they cant, then she stated that they would keep me in collections. I than contacted your office, and I an now submitting a complaint.
06/25/2015	Yes	Debt collection I do not know	Communication tactics Used obscene/profane/abusive language	TX 77662	Web
FNBC ( XXXX ) has called me at work and on my cell phone XXXX times back to back in XXXX day telling me I owe XXXX. I asked for a validation letter and the lady told me " I do n't need to do that, you know what you owe and you are a piece of XXXX for not paying it back. I will come to your house and scare the XXXX out of your kids and let them think I am killing you until you pay this back. '' She would not give me her name. I hung up after the threat and that 's when they started calling my job over and over.
08/25/2023	Yes	Debt collection Credit card debt	Electronic communications Contacted before 8am or after 9pm	FL 32207	Web
I have received multiple texts from this company. I have requested for the texts to stop, such as reporting as junk ( with the iphone ) and have replied STOP to stop the text notifications. On XX/XX/23 I received a text from this company at XXXX XXXX EST advising me to contact them regarding an important matter. I know which from doing debt collecting myself, that you CAN NOT contact someone that time of night regarding a debt. This company is in direct violation of the FDCPA and should be reprimanded.
03/27/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	AR 723XX	Web
Agent called saying I owed a debt and that I made a payment in 2020 but refused to send me any documentation of payment or anything that proves the debt is mine. I asked for the paperwork for the alledged account and was told I can fill out affidavit paperwork but they would not provide me anything other than the letter that stated a debt was placed in there office. Agents were very rude and and continued to rush me off the phone saying that theyve sent all theyre going to send and I can return the paper.
02/09/2018	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	MI 48235	Web
Company is not licensed to collect in my state ( Michigan ). I checked on the www.michigan.gov/XXXX website as well as called the state ( XXXX ) and I was informed that the company has no license to collect debt in the state of Michigan. The company took two payments out of my bank account once on XX/XX/XXXX and XX/XX/XXXX. They never validated the debt either. They also never gave me a confirmation of my payment. They claimed they would mail it to me but I never got it after asking it to be mailed twice.
09/06/2017	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	MI 480XX	Web
I have been receiving calls on a regular basis from a company who claims that I owe a debt. I have asked on multiple occasions for the calls to stop and advised that I do not have any debt, and that I can look my credit report up right now and prove that, yet the calls keep coming in. I advised that I know my rights and that if I ask them to stop calling that they have to yet I am met with rudeness and nastiness and the calls continue. I advised that I would be filing a complaint with the last phone call.
01/30/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	WI 53081	Web
I cancelled my service after having them a year due to the lack of service of cable always going in and out. I called there customer service department and they really did not care requested a box and sent the cable box and control back and they are still saying i owe them like XXXX. That is not true and they are ruining my credit. I have called them and they do not even get a response from them. i have as well submitted a letter and they have not even sent me a letter to acknowledge that i wrote them,
03/05/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CA 92648	Web
I received a will produced letter from First National Collection Bureau , Inc. on behalf of XXXX XXXX XXXX and XXXX Bank. I have no recollection of opening an account with this company and do not recall making any purchase at XXXX XXXX XXXX for {$120.00} The letter was offering to remove all " {$120.00} '' if I paid them {$56.00}. When I looked on XXXX to check for any collections or outstanding accounts, there were none. THIS WAS A WELL DONE SCAM. Very scary and very real looking documents.
05/17/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Improper contact or sharing of info Talked to a third party about my debt	FL 337XX	Web
Supposedly there is a debt that I owe XXXX. It has been with a particular collection agency for the past 8+ years I am assuming ( Since i have not had XXXX in 8+ years ). I just now get a notice from a different Collection agency that they have been assigned this debt from the First agency. So they are sharing my information with 3rd parties for debts that are past the statue of limitations as well as I have no business with either Company. This is not only unethical but it is also immoral.
09/17/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	TX 75181	Web
First National Collections purchased this loan from XXXX. I informed them that someone opened this account at a address which does not belong to me or never resided at and advised them to validate and verify. First National Collections has also harassed me repeatedly outside of FDCPA guidelines via phone and I received calls from blocked # 's from their reps advising that my account was " in their office and I am going to be sued ''. The lack of professionalism and ethics was incredible.
02/21/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 760XX	Web
They were harassment to call me many time. then I called them and who are you? they said XXXX XXXX XXXX for you. make me confuse happen. what I make payment to who or owe to who?? They wouldn't tell me nothing. I feel so funny think They are scam. so I would stop to call them. and They harassment call me many time make me tired and complaint. But I have a very good my credit and no problem. I give you it phone number : XXXX for XXXX My phone number : XXXX and my name is XXXX XXXX
01/09/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	OR 97058	Web	Servicemember
3rd time this company has tried to collect for a fictitious debt. I filed a complaint about this same company on this site before, so this time the company has changed the name of the phony debtor. This is not my debt. The last time this happened, I called the company. They said the social security # they had did not match mine. They apologized and said they would stop sending bills to me. I 'm getting tired of this, it is a scam. I do not owe any outstanding debts to anyone.
06/08/2015	Yes	Debt collection Auto	Taking/threatening an illegal action Threatened to sue on too old debt	MN 55416	Web
Car was repossessed in XX/XX/XXXX. They came and got the car, and sold it for less than market value, market value at the time was XXXX The original debt was XXXX -sold car for less than {$1000.00}. NOW they say today XX/XX/XXXX ( 18 years ) I owe {$12000.00} ( caller of collection agency -said this ) This is the XXXX collection agency to purchase this debt. Letter received says I can settle his debt for a mere $ XXXX! Agency is First National Collection Bureau , Inc .
05/19/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	TX 776XX	Web	Servicemember
I believe First National Collection Bureau started sending letters to my home around XXXX, 2016 for a debt of XXXX they say I owe. First they are asking me to make XXXX payments of {$340.00}. Then, they are asking me to make XXXX payment of {$86.00}. Around the same time, I started receiving numerous phone calls saying nothing or asking me to stay on the line. I hung up every time I received XXXX of these calls because I thought it was someone trying to sell something.
10/19/2022	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 76133	Web
Unknown debt. Text message. Unknown item and amount. Requested all charges, submission of written original documentation. In addition I have asked to receive such information via mail to the address they have on file. I also put them on notice if the information was not provided i would consider and report this as fraud. No response to any communication - I just receive more identical text messages with a link to pay online. First National Credit Bureau
11/23/2015	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt is not mine	GA 30078	Web
there is a debt collection agency that continue to send me information on an account I never had after asking them for information that shows this lender info they stated that I will have to call the company myself after searching for the lender and also looking up reviews from this company, there is no way to reach the company that says I owed them money for a credit card I never had, I feel that if this is truly a debt I caused I should have the info.
02/01/2022	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	FL 33619	Web
i asked this company before to validate this debt and they ignored me. now i keep getting collection letters from them. They want to collect on a judgment from the year XXXX, and that is like over 14 years ago. The judgment from court had expired and it was never renewed by the creditor so the judgment is no longer collectable. The collector has failed to validate the debt and is trying to get me to pay on something they know i no longer legally owe.
04/08/2015	Yes	Debt collection Credit card	False statements or representation Attempted to collect wrong amount	IN 46307	Web
I received a debt collection letter for an amount of over {$30000.00}, stating that it was originally for a XXXX credit card. I 've never had a XXXX credit card, nor have I ever had a credit line anywhere near that large. This is completely bogus. The company attempting to collect the debt is 'First National Collection Bureau '. I have read that this company has made numerous fraudulent collection attempts and I want to help to stop them for good.
02/17/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	TX 78745	Web
I got a letter through U.S. mail from First National Collection Bureau , Inc ( 1st letter i 've rec 'd ) stating i have a {$11000.00} debt. They are offering a XXXX % discount on that debt if i make XXXX payments of {$180.00} w/each payment within 30 days of the previous payment. They threaten that unless i notify them within 30 days of receiving the letter that i dispute the validity of the debt then they will " assume '' the debt is valid.
11/13/2016	Yes	Debt collection Credit card	Improper contact or sharing of info Contacted me after I asked not to	AZ 85295	Web
First National Collection Bureau on behalf of XXXX has keep sending me letters to try to collect a debt that is over 7 years old i have repeatedly asked them to stop they also keep reporting this on my credit report. this debt is over 7 years old. XXXX had this before after disputing it they finally removed it but then these guys started. how am i suppose to clean my credit up when it always get reported as new stuff that is very very old
03/25/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt was discharged in bankruptcy	AL 36869	Web
I received a letter from First National collection bureau regarding XXXX funding. I have documentation from XXXX who told me they are not going to attempt to collect on this because its over 10 years old and they are barred from trying to collect on it. But XXXX broke their promise and still are trying to collect on a 10 year old debt. A debt is suppose to stay on your credit for 7 years and fall of, but they keep trying to collect on it.
09/28/2015	Yes	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	FL 34667	Web
I currently do not have any outstanding accounts. The debt collector 's name is First National Collection Bureau , Inc . The only information provided about the creditor is : XXXX XXXX XXXX and the original creditor is XXXX ( XXXX ), XXXX XXXX. I have never had any creditor named like neither XXXX. When I called they said I should call XXXX XXXX or XXXX because it is an old account. I do not have any outstanding accounts with them either.
09/18/2023	Yes	Debt collection Auto debt	Written notification about debt Didn't receive enough information to verify debt	TX 78666	Web
I received a letter in the mail from Frist National Collection Bureau Inc. on XX/XX/2023. I wrote a dispute letter that has a receiving time stamp of XX/XX/2023 on USPS tracking website. I did not receive a response from the company with 30 days. As of XX/XX/2023, I called the company to see if a response was sent to my home address. The agent confirmed the company had not received my disputed letter in addition, I was no reply was sent.
03/08/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	AR 71901	Web
I have been contacted by various collection agencies about a XXXX XXXX credit card. I did not open said account and provided information as to it being impossible that I could have opened the account. They continue to bounce from one collection agency to another and attempt to report this account on my credit report. It is not my account as I did not open it, I request you make them cease their harrassment and unprofessional tactics.
05/16/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	CA 90804	Web	Servicemember
Debt is over 12 years old and is beyond the statute of limitations and therefor uncollectable. They are trying to collect a debt that has already been written off, can not go on my credit report, and can not have a lawsuit filed. They need to close this erroneous attempt to collect a debt I do not owe. This debt has already been reported to the IRS as Income in the year it was charged off and therefor their letters are null and void.
07/28/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	VA 22202	Web	Older American
I 've had no XXXX XXXX Accounts to my name in many years, maybe 6 or 7. When I finished my last contract with XXXX, I paid everything I owed proof of which is that I was allowed to take my mobile number to XXXX XXXX XXXX where I still have it. However, XXXX XXXX XXXX XXXX and First National Collection Bureau Inc keep harassing me by mail and phone calls to pay the {$51.00} that they say I owe and I know I do not owe that money.
05/10/2023	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	MA 02072	Web
This company states their name is fresh national collection, Bureau Inc. their phone number is XXXX. The website to pay your dad is XXXX and that is no email address website available it says the domain is for sale. It leaves all account a reference number for XXXX it's coming to me under XXXX. This is totally made up and fraudulent. They're sending me text message of a screenshot of some paperwork that even looks fraudulent.
06/09/2015	Yes	Debt collection Credit card	Communication tactics Threatened to take legal action	TX 777XX	Web
Letter sent to me pertaining to my DEAD husband 's account. My husband died on XX/XX/XXXX ( almost 25 yrs. ago ). I believe the account was paid off, but I might be wrong. But I do believe there is a statue of limitations with debt collections. I would consider 25 yrs. within that limit. Also, it was sent to my current address that has never been associated with my dead husband at all. I am not listed on this account at all.
03/07/2022	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	GA 30106	Web
Resubmission : I have reached out to first national XX/XX/29 to request validation and I have not heard back from them. They are reporting inaccurate information, continually saying reporting that an account is negative every month, AND on top of their continuous reporting, they have not updated the file that I requested a dispute on the alleged account which according to section 1692e ( 8 ) is a violation of the FCDPA.
07/29/2015	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt is not mine	KS 66213	Web	Servicemember
I am getting letters and phone calls from 'First National Collection Bureau Inc ' stating I owe money from a XXXX XXXX XXXX XXXX from 2007 which I never opened nor did I ever have. They are telling me they ca n't turn me into collections but I need to pay them. They have my social security number and address and it 's terrifying- I have no idea who they are, and it sounds like they just want my credit card information.
12/01/2023	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	FL 34120	Web	Servicemember
Text and call me 100x a month, after I spoke to someone on the phone and told them this debt is wrong. I block the number and they call from a different number. This has occurred at least 7 times, They constantly harass me regarding a debt that is completely wrong. The debt didnt even start with them, I do not understand how they constantly press me over something that is 1. ) wrong and 2. ) a debt they purchased.
05/25/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	OH 45013	Web
My father and I have the same name. I am a " XXXX '' and the collection agency was trying to collect a debt from me that was not mine, rather my father 's. I have called the collection agency as well as the credito r ( XXXX XXXX ). They called the situation " skip tracing ''. This was never my debt, but is effecting my credit score. I just want it all to vanish to raise my score back up. Thank You
09/09/2016	Yes	Credit card	Identity theft / Fraud / Embezzlement	IL 604XX	Web
I was contacted via mail from First National Collection Bureau , Inc stating that I had XXXX collection accounts for XXXX credit cards that I never opened. I called the number listed on the letter that I received and proceeded to give my personal information ( name, address, social security number ). They attempted to tell me to that I would have to pay XXXX a month to resolve the debt of over XXXX.
03/19/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	CA XXXXX	Web
i received a collection notice from first national collection bureau inc and it is not my debt. 1 it is not my debt i would like for FNCB to provide proof that it is my debt and Such as original document with my signature and or proof of any payments i made on this account such as voided check. 2. this debt is FNCB claiming i owe is from 2007 and it is well out side of Fair Credit Reporting Act.
10/26/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	FL 33441	Web
This account is not owned by me ; I have never had any services from this service provider and therefore owe no balance as stated in my credit files. Please provide me with relevant information that you are using to validate this account such as ID used to open this account ; when and where this account was opened ; signatures etc., so that I may add it to my current and ongoing investigation.
10/02/2016	Yes	Credit card	Other	CA XXXXX	Web
Received demand for payment of " delinquent '' account that was assigned to First National Collection Bureau, In., from its client XXXX, with the alleged original creditor named as XXXX This debt is barred by the California Statute of Limitations of four ( 4 ) years and the creditor is seeking to collect on an invalid debt. This action constitutes a violation of state and federal law.
01/27/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	VA 22802	Web
This company named first national collection bureau, inc. continues to send me letters, and phone calls concerning a {$2100.00} debt that i have never owed, and or have any ideal about. iv mailed them 3 letters in the past two months advising them of the same. but they continue to contact me. i have attached the most recent letter from first national collection. dated XX/XX/2018 2018
07/08/2021	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	OK XXXXX	Web	Servicemember
I have never heard of this company today. First National Collections Bureau , Inc texted me today for the first time. I have never received a validation of debt from them. I have no idea who they are or what debt they think I owe and from whom. This is a complete violation of the FDCPA. This is not a legal form of communication. I have attached a screen shot of the text message.
08/06/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	GA 30120	Web	Older American
my son drugs stole my ID and got credit cards 3 years ago, i was driven by my wife from my house as they try to put poison in my food, i lost every thing because i could not take lawyer, Now i am retired and get small amount of money with food stamp from government, i could not pay first national bureau as it demanding XXXX dollars for 5 payments as that debts i never used,
10/04/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was paid	MA XXXXX	Web
XXXX XXXX I paid it on XX/XX/2020, they never send me an email or a letter like they promised. It is still on my credit as bad unpaid, they said it would be off by XX/XX/XXXX th XXXX it is still there. Please help me! I am a XXXX XXXX and I want to buy a house. But this is stopping me. Thank you. Ps now it was send to another creditors First National collection Bureau inc
01/20/2017	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt is not mine	TX 78621	Web
I received a collection letter saying that I owe {$260.00}, from an outstanding debt with XXXX in a checking account # XXXX which was transfer to XXXX. I have not had a checking account with them only credit account which are paid and closed. I contacted XXXX directly and they said that I do not have a balance with them, also I check my credit report and nothing shows up.
06/16/2015	Yes	Debt collection I do not know	Disclosure verification of debt Not disclosed as an attempt to collect	WV 25526	Web
I received a call for my mother on my cell phone from First National. I was asked to pass a message along to her and when asked if they were a debt collection agency, the account representative disclosed to me, a XXXX party, that he was. I work in debt collection for a very reputable company and know that his disclosure of his intent to me was a violation of FDCPA law.
11/03/2016	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt resulted from identity theft	TX 77021	Web
This company First National Collection Bureau , Inc. ( FNCB ), Harass me from different phones numbers about a Debt resulted from identity theft back in 2011 with inaccurate and misleading information and refuse to send or validate the documents, but demand that I send them a payment for this fraudulent debt ( does not relate to any transaction ( s ) that I have made
03/04/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	CA 960XX	Web	Older American
Received phone call from XXXX XXXX. I did find out that this is a residence phone number. Guy wanted the last XXXX of my Social Security number. Would not identify himself or the supposed company for which he was trying to collect a debt. He did have my name and phone number. I filed a complaint with the FCC which referred me to the FTC who referred me to you.
04/06/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	CA 91331	Web	Older American
just got another letter from FIRST NATIONAL COLLECTION BUREAU , INC . I called once before that i have never apply or have gotten a credit card from XXXX XXXX XXXX XXXXnd they told me that I did they argue with me about this account and i have never gotten any credit card from this place i don't know what to do so they can take this out of my record please help
03/25/2015	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt resulted from identity theft	AR 72076	Web
I have XXXX debt collection agency trying to collect a debit from XX/XX/XXXX. I was XXXX in college and did not get my XXXX credit card until XX/XX/XXXX. It would have been very easy for a doormate or anyone else to get this info. I didnt keep it hidden I didnt think I needed to. Now they are trying to bill me for over XXXX that I never had the chance to use
04/06/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	TX 77471	Web
On XX/XX/2020, in the amount of {$1500.00} to First National Collections Bureau. I paid for deletion and it is still on my credit report saying unpaid. On XX/XX/2020, in the amount of {$700.00} to XXXX XXXX. I paid for deletion and it is still on my credit report as unpaid. I have contacted the companies and all I get is a hold on then they hang up.
04/19/2021	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	MS 386XX	Web	Servicemember
I got a text message from a company called First National Collection Bureau INC, with a number of XXXX. When I XXXX, and researched the number, it doesn't match to this agency. The area code shows South Carolina, while the collection agency shows it's out of XXXX XXXX. I haven't done any business in either location, nor any company from either location.
06/23/2016	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt was discharged in bankruptcy	CA 92805	Web	Older American
Dear XXXX, My husband and I are being constantly harassed by a collection agency for a debt that has expire under the " statue of limitation. '' We have sent them letters for the last three years telling them to stop sending us these letters collecting debt that we do n't owe anymore! Can you please handle this very annoying matter for us. Thank You!
02/17/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Used obscene/profane/abusive language	MO 65804	Web
I missed a phone call from First National Collection Bureau. Called them back. The lady that answered the phone proceed to start yelling at me when I told her that the debt she was trying to collect was over 10 years old. She started to cuss at me, telling me that my rights did n't matter and that she would be collecting the debt one way or another.
09/03/2015	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt is not mine	CA 91355	Web
On XXXX XXXX I received a letter from first national collection Bureau located in XXXX Nevada their phone number is XXXX they have a reference account number of XXXX XXXX XXXX XXXX I contacted them and representative explain to me the debt is from 1995 I explained to her that I never had a credit card with XXXX she then hung up the phone
11/09/2015	Yes	Debt collection I do not know	Disclosure verification of debt Right to dispute notice not received	IL 60124	Web
Per my XXXX credit report this company has unlawfully and doesnt so without my permission pulled my credit report XXXX times in the last 18 months. The information below is taken directly from my XXXX credit reportFIRST NTL COLL BUREAUXXXX XXXX XXXX, NV XXXX ( XXXX ) XXXXRequested On : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX
02/19/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	CA 93311	Web	Servicemember
I recieved a letter requesting payment on a debt that may have been my former wife 's. We we divorced on XXXX XXXX 2007 and her debts were discharged in bankruptcy in 2007. I have never had an account that they are claiming. And if I do not respond to them then they are claiming I am accepting a debt I never had to begin with.
02/25/2016	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	OK 731XX	Web	Servicemember
I receive, at a minimum, one phone call a day from the phone number XXXX, and when I answer it hangs up. After a quick search, I found out this number belongs to First National Collection Bureau out of Nevada. I do n't owe them anything, and repeated phone calls without anyone on the other end are unnerving and annoying.
10/23/2015	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt is not mine	FL 32256	Web
This debt has passed the statue of limitations for this company to attempt to try and collect and/or report the account to the credit bureau 's. I have now received more harassing mail attempting to collect on a debt I do not owe, and threatening to report it after its already been removed from the credit bureau reports.
07/16/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Attempted to collect wrong amount	PA 18951	Web
this account is old, and should have been removed. it appears to have been transferred several times, they mention continue to update as un paid on my credit file, what for the rest of my life. another threat involving my way of living. amazing how I 'm following the law and getting robbed and bullied, controlled.
12/15/2015	Yes	Debt collection Credit card	Taking/threatening an illegal action Threatened to sue on too old debt	CA XXXXX	Web
I had a credit with my ex-husband from XX/XX/XXXX thru XX/XX/XXXX. First National Collection Bureau , Inc. XXXX XXXX XXXX, XXXX NV XXXX is now trying to force me to pay this debt after nine ( 9 ) years. I have asked them to stop contacting me about this debt, which is past the statue of limitation and they refuse.
01/07/2016	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt was paid	MA 01867	Web
XXXX abused me as XXXX and promised to delete the negative report if the account paid in full. The account was paid in full on XXXX/XXXX/2015 {$250.00} and it still shows as in collection. I want my negative report to be removed as promised since I was abused from the XXXX credit bureaus. XXXX, XXXX and XXXX
12/02/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	NM 870XX	Web
This collection agency has called my home more than XXXX times. I have spoken to a representative 3 weeks ago and requested that my number be removed from their call list and was told that it would be removed within XXXX hours. They have not stopped calling. when I answer the phone they hang up every time.
10/28/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	CO 810XX	Web
First National Collection Bureau Inc made a settlement offer of {$210.00} for a debt collection totalling {$540.00}. I have paid this settlement and the Cresditor refuses to mark this debt as settled in my credit report 30 days after payment as promised. Instead it was left open as being an unpaid debt.
06/06/2019	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	CA 93551	Web
COMPANY CONTINUE TO SEND DEMAND NOTICE FOR FRAUD ACCOUNT NOT MINES, ACCOUNT OUTDATED OVER 6YRS OLD ( CALIFORNIA STATE STATUE OF LIMITATION HAS EXPIRED TO COLLECT 4YRS OPEN ENDED CREDIT CARD ACCOUNT ), COMPANY VIOLATES " FDCPA, FCBA AND FCRA '', FORMAL COMPLAINT FILED WITH " XXXX '' CASE # XXXX
10/26/2015	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	IL 601XX	Web
I paid the XXXX bill in full in XXXX of 2015. It is over 30 days and now the Collections Agency I paid the debt to is telling me conflicting information. I need this account removed from my credit bureau account. Please have this corrected at once. It is holding up my mortage. Thank you.
01/05/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	TX 78249	Web
All information matches except for the last four of SSN ( XXXX ). The SSN they have on file ( XXXX ) is not mine but the name, address, phone # is correct. I have requested that they remove me from there dialer and cease contact with me until they can prove this debt belongs to me.
10/25/2020	Yes	Debt collection Credit card debt	Communication tactics Used obscene, profane, or other abusive language	TN 381XX	Web
I have been threatened and cursed at by both the credit card company and the collection agency. Since having to deal with this rude behavior I want this account deleted from my report or an offer of 75 % of the payment along with a deletion of this account from my credit report.
12/30/2015	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt resulted from identity theft	TX 76542	Web
All verifiable info belongs to me ( name, address, phone # ) except for the SSN. I am a recent victim of ID Theft by someone using the SSN provided by the collection agency. The debts original date was 2002 from XXXX XXXX and has since been sold to various collections agencies.
03/02/2017	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt is not mine	WA 99202	Web
I am receiving letters from First National Collection Bureau , Inc for the current creditor " XXXX XXXX XXXX '' for XXXX XXXX XXXX XXXX for a debt I do not owe. The Ref # is : XXXX in the amount of {$1600.00}. I do not owe this debt and want them to stop contacting me.
06/05/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	FL 33321	Web
I have a debt from First National collection that I am not aware of and it looks like fraud. I do not have XXXX and never opened an account. I have moved from the XXXX in XX/XX/XXXX and lived at a friend on XXXX in XXXX from XX/XX/XXXX to XX/XX/XXXX. XXXX XXXX
01/11/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Right to dispute notice not received	OH 457XX	Web
I was denied credit so I pulled my credit report. I found a collection account had been placed on my credit report that I have no knowledge of. I was never notified before it was placed into collections. This is a violation of the Fair Credit Reporting Act.
02/05/2016	Yes	Consumer Loan Installment loan	Managing the loan or lease	TX 75002	Web	Older American
An old debt from XXXX ( now XXXX ) was settled with XXXX XXXX XXXX ( XXXX ) for {$880.00}. First National Collection Bureau resurrected the claim using different account numbers. I paid First National {$730.00}, until I realized it was the same old claim.
08/22/2023	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	FL 33541	Web
No validation of debt was provided with original debt owed or original contract. I dispute the debt and amount.I don't have any written contract with this collection agency. I will not be paying this debt.No valid license to collect debt was provided.
01/07/2019	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	MA 021XX	Web
Letter dated XX/XX/2018. Amount is {$2300.00} from a closed account. They keep pestering me to pay with letters. The letter doesn't match up with credit report so it has been difficult to determine accuracy of this. Or even if this info is up-to-date.
10/10/2017	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	IA 52241	Web
The first national collection bureau has been calling me repeatedly for days now, they are n't leaving any messages, or contact information. They have NOT sent me any information by mail, and have not verified the debt they are attempting to collect.
04/25/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	MA 01841	Web
Ive came to a settlement agreement and paid the Requested payment later they still kept going after the Remaining balance and claim the person I made the agreement with no longer works for the Company, but they will send me the settlement letter
08/09/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	TX 75043	Web
I received a collection letter from First National Collection Bureau Inc. I have emailed them more than once informing them this is not my debt. I've tried calling several times but recording says they have heavy call volume and to email them.
04/11/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Indicated committed crime not paying	SC 29588	Web
First National Collection Bureau, IncXXXX XXXX XXXX, Nevada XXXX-XXXXSettlement Offer 50 % in XXXX paymentsDirectTV settlement of {$320.00} in XXXX payments over 2 months starting on XXXX/XXXX/2015 ( 28 days ) for XXXX payments of {$160.00}
12/03/2020	Yes	Debt collection I do not know	False statements or representation Told you not to respond to a lawsuit they filed against you	TX 780XX	Web
This number is calling me at work and they should not be calling me. The number is from a First National Credit bureau and every-time i try to say to stop calling it hangs up. This is a work phone and they should not be calling me at work.
04/14/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	FL 32570	Web	Servicemember
I paid the account in full. XXXX. I have a copy of the letter and the check that XXXX send to me for overpaying the bill. I have sent the letter to each credit bureau. They are disregarding the letter and check that was sent to me by XXXX.
11/19/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt resulted from identity theft	SC 29420	Web
I have received a debt collection notice from First National Collection Bureau , Inc stating that i owe {$1100.00} for XXXX. I have never had XXXX services. This is a result of ID theft for which we have had to file several complaints.
11/08/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	ME 040XX	Web	Servicemember
Received a call from XXXX. Rep stated I owed a " XXXX '' monies from XXXX. I do not recall this alleged debt. It was also stated account was opened XX/XX/XXXX, which today is XXXX. I did not receive any mailings from this company.
07/31/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt resulted from identity theft	NC 28216	Web
this account resulted from identity theft and needs to be removed immediaelty I have completed a police report with the acct and a ftc notarized theft affidavit ... the account number is XXXX from first national collec
11/15/2016	Yes	Debt collection Credit card	Communication tactics Threatened to take legal action	FL 33062	Web
called saying he is a court processor and has papers to serve me. If i do n't response or accept I will be prosecuted. Numerous calls to family members. Have my civil lawyer call and send a cease and desist letter
06/05/2015	Yes	Debt collection I do not know	False statements or representation Impersonated an attorney or official	TX XXXXX	Web
This company is located in XXXX, XXXX. They keep calling me from a number XXXX, which is an XXXX, XXXX area code, and where they do NOT have an office. I have dealings in XXXX, so I answer it. This is very deceptive.
03/14/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	PA XXXXX	Web
Since XX/XX/2018, I have been called incessantly and at all hours by various representatives of First National Collection Bureau , Inc . I do NOT owe them nor anyone they claim to represent ANY balance whatsoever!
03/25/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	CA 92584	Web
On XX/XX/2014 I sent the company a demand for validation for the refereced account The company failed to provide validation and in violation of Sec 809 FDCPA continued to report the account on my crdit report
06/30/2023	Yes	Debt collection Payday loan debt	Threatened to contact someone or share information improperly Contacted you after you asked them to stop	ID 83202	Web	Servicemember
They have stalked me and my wife multiple times and have called and harassed me and threatened my life. I would like to report them as there tactics are not ok. They need to stop harrassing me and my family.
02/02/2016	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	NV 89121	Web	Servicemember
A collection agency FIRST NATIONAL COLLECTION BUREAU in XXXX Nevada is trying to collect a sum of {$2400.00}. Received a mailing from them last summer stating I owed a debt which they were hired to collect.
12/05/2023	Yes	Debt collection I do not know	Electronic communications You told them to stop contacting you, but they keep trying	TX 790XX	Web
This company is harrassing me texting my phone looking for someone else. I want them to stop. Leave me alone my name isn't XXXX. I've told these vultures before to stop contacting me and they don't listen.
06/17/2020	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	PA 19131	Web
I received a text stating that this a debt collector trying to collect a debt. Asked to call, go to website or stop the text. I did not send the message STOP because this may show up on my credit report.
03/30/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 34748	Web
Received letter claiming judgement was entered against me and the account was placed with the office to be collected. No record of judgement, court filings or even the debt can be verified or found.
08/20/2015	Yes	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	FL 33034	Web
Responded to initial contact letter with a timely debt verification request. Collection agency continued collection activity ( calls and letters ) before responding to the debt verification request.
11/09/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	NM 870XX	Web
This has been removed and keeps popping up with different collection agencies on my credit report. I do not owe this nor have they responded to repeated attempts to validate and prove this is mine.
07/01/2015	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	FL 32405	Web	Servicemember
I am receiving numerous robocalls from various numbers. When I answer, the call ends. I have called back several numbers, and they appear to be XXXX. I have asked them to cease, but they continue.
01/10/2024	Yes	Debt collection Credit card debt	Electronic communications Frequent or repeated messages	ID 83605	Web	Servicemember
This company has texted me numerous times Despite my telling them to stop and telling them they have a wrong number. The debt they are collecting has also been paid as of 2020 and is invalid
08/12/2015	Yes	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	CT 06516	Web
I do not know about this debt. Does not show on my credit report. Telephone # provided on notice is only a recording of ads trying to sell me stuff. I want to know what this bill is about.
03/20/2015	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt is not mine	IN 46323	Web
I have NEVER had a credit card with XXXX XXXX XXXX. This debt is being shopped around to several collection agencies dumb enough to buy it. This is NOT my debt and I will NOT be paying it.
05/19/2023	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive notice of right to dispute	WI 534XX	Web
Closed on credit account back in 2012 and debt collector rude stating I owe and that they sent me documents and I never recieved. Charging me for debt over 10yrs old. that I already paid
02/17/2022	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	TX 76011	Web
My information was stolen back in 2011 and various accounts were opened with this information including this account that I had no knowledge of or how to go about disputing it until now.
08/26/2022	Yes	Debt collection I do not know	Communication tactics Called before 8am or after 9pm	TN 38125	Web
This debt collection company sent me a text message at XXXXam CST on XX/XX/2022. I have saved the text message as well as taken a screenshot that includes the time received time stamp.
08/01/2016	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	MO 641XX	Web	Older American
I received a notice from First National Collection Bureau , Inc stating I owed {$11000.00} for a non-existent loan. Current Creditor : XXXX XXXX XXXX, XXXX Original account # : XXXX
10/30/2015	Yes	Debt collection Credit card	Communication tactics Called after sent written cease of comm	CA XXXXX	Web
The representatives were very rude and telling me I 'm responsible for a debt from 9 years ago. Continuing to ask me you still owe the debt and it does n't matter how long ago it was
02/29/2016	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt resulted from identity theft	FL 34120	Web
this account was stolen 9 years ago and used fraudulently.it was reported to the original creditor XXXX XXXX XXXX. I am not responsible for this charges, I was victim of fraud.
11/29/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	FL 33015	Web
I RECEIVED THESE XXXX STATEMENTS, I DO N'T OWE ANY OF THESE, NEVER BOUGHT ANY XXXX PRODUCTS, I CONTACTED THEM AND THEY DO N'T FIND ANY OF THOSE ACCAUNTS, THIS COULD BE AN SCAM
07/04/2016	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt is not mine	FL 33021	Web
Date of last activity was XX/XX/XXXX, and account was closed on XX/XX/XXXX. These people have no legal right to contact me and/or attempt to collect on a debt I do not owe.
04/22/2015	Yes	Consumer Loan Installment loan	Managing the loan or lease	AL 35950	Web
This bill was disputed years ago.. All XXXX credit bureau removed this bill from my credit report. Because i do not owe this bill. Now i am getting threating letters again..
11/02/2022	Yes	Debt collection Credit card debt	False statements or representation Told you not to respond to a lawsuit they filed against you	NY 109XX	Web
Settled account. Was told it would be deleted within 48 hours after payment was received. Was not deleted. Then I was promised a letter of deletion. Still not received.
01/23/2016	Yes	Debt collection I do not know	Improper contact or sharing of info Contacted me after I asked not to	CA XXXXX	Web
I am not familiar with this company and do not understand why they are on my credit. These inquires effect my credit in a negative way. I would like them to be removed.
08/14/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	TX 77021	Web
THIS COMPANY IS SENDING ME A BILL FOR AN ACCOUNT I DO NOT OWE ON. APPARENTLY THIS DEBT WAS PURCHASED FROM SOMEONE ELSE WITHOUT VALIDATING IT. I DO NOT OWE THIS DEBT.
06/29/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	FL 329XX	Web
FST NAT COLL XXXX XXXX XX/XX/XXXX Open $ XXXX never signed contract and reported fraud. Open since XX/XX/XXXXFIRST NATIONAL COLLECTIOXXXX XXXX XXXX, XXXX ( XXXX ) XXXX
05/22/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	TX 75219	Web
I have several companies that have been pulling my credit without authorization. I am not using them for anything, so it is not necessary for them to pull my credit.
01/05/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	PA 152XX	Web
I do not have a debt. This company calls continuously and hangs up on me. I WILL NOT pay any money for a debt that is not mine. Stop calling ; cease and desist.
02/18/2016	Yes	Debt collection Credit card	Disclosure verification of debt Not given enough info to verify debt	TX 761XX	Web
Received letter from First National Collection Bureau Inc I sent letter as i do not owe them anything. They claim to have purchase third party debt from XXXX.
10/14/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt resulted from identity theft	DC 20020	Web	Servicemember
This attempt to collect a debt that was a result of identity theft and needs to be closed and settled. I do not owe this organization money or its subsidiary.
07/08/2017	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	PA 191XX	Web
This debt is very old. I do not owe this amount. Tried to reach out to company on numerous times to get updated letter in writing on what I actually owe.
08/28/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	NY 10036	Web
Collection agency is claiming I owe a {$40000.00} to original creditor XXXX XXXX. I never heard of XXXX XXXX or never had any bills or mail from them.
10/22/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	FL 32738	Web
Repeatedly calling phone and texting my wifes phone. I have no knowledge or association with this account or any implied ownership of this account
08/17/2020	Yes	Debt collection I do not know	Communication tactics Called before 8am or after 9pm	70506	Web
company called after XXXX which violates FDCPA & they sent a text message ( I have snapshots with the time they sent the text message they sent me )
02/05/2018	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was paid	NC 272XX	Web
Paid on XXXX XXXX 18 was promised a release letter via email with in 24 hrs have made several call sense then and they refuse to send my letter
08/08/2016	Yes	Debt collection Credit card	Improper contact or sharing of info Contacted me after I asked not to	DE 19963	Web
This debt has exceeded the Delaware statue of limitations for collecting on a debt. The original debt is, I believe at least 10 years old.
04/12/2021	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	NC 27587	Web
On XX/XX/21, I received a notice from First National Collection Bureau advising of an alleged credit card debt which was not validated.
07/09/2015	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt was paid	IN 46835	Web
I am receiving letters from First National Collection Bureau for a debt that has been paid and does not show up on my credit report.
07/23/2015	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt resulted from identity theft	MN 554XX	Web	Servicemember
First National Collection Bureau XXXX Inc., account # : XXXX, Ref # : XXXX, is a fraudulent account and do not belong to me.
01/30/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	GA XXXXX	Web
Written letters to dispute and remove the account, account remines on my consumer report updates like a current account.
11/11/2020	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Threatened to sue you for very old debt	TX 76148	Web
on XX/XX/2020 I received a JUDGEMENT COLLECTION LETTER that states I have a judgement and I was never served any papers.
03/31/2016	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt is not mine	MN 560XX	Web
I recently this past year have been randomly getting mail from this creditor with pat off options in which I do NOT owe.
04/09/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	CA 93933	Web
I received a letter in a name close to mine asking me to settle a debt. I do not know this company or owe this money.
11/17/2015	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	MD 21921	Web
They keep calling me, however when I answer no one speaks and after about 10 seconds it will disconnect the call.
09/12/2015	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt resulted from identity theft	CA 93257	Web	Older American, Servicemember
SWOME ONE BREAK IN XXXX HOUSE I DID REPORT POLICE EVERYTHING IS XXXX XXXX XXXX AND COMPUTER AND CHECKING STOLE.
08/23/2016	Yes	Debt collection I do not know	Communication tactics Called outside of 8am-9pm	AZ 86409	Web	Older American
after many attempts to pay this debt. off this company refuses to remove this debt from my credit report ...
12/07/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	NJ 079XX	Web
First National Collection Bureau is contacting me about about a judgement that is no longer in existence.
04/21/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	TX 75771	Web
Debt collection company keeps trying to collect an outstanding balance that is too old to collect on.
04/16/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	CO 80921	Web	Older American
I did not have XXXX and they have put this collection ion my report regarding a collection from them.
10/05/2015	Yes	Debt collection Credit card	Taking/threatening an illegal action Threatened to sue on too old debt	CA 94134	Web
I keep receives a letter from First National Collection Bureau , Inc. for debt collect.
08/03/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	CA XXXXX	Web
I keep getting debt from collection and account that are not mine and fraudulent.
11/03/2015	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	PA 19136	Web
I am getting repeated phone calls from this number with no message left and no ID
06/25/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Right to dispute notice not received	FL 32952	Web
This Debt is from the year of 2007, see attach communication that was sent to me
03/18/2022	Yes	Debt collection Credit card debt	Communication tactics Frequent or repeated calls	KY 427XX	Web
XXXX. First National Collection Bureau sent me at least XXXX emails in one day
03/02/2017	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	WA 99202	Web
I am receiving mailed correspondence for a debt I do not owe.
11/15/2016	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt is not mine	FL 32907	Web
Statue of limitation has passed on the item in question.
01/09/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	FL 32210	Web
I have not been contacted ... appears on my credit file
06/28/2023	Yes	Debt collection Credit card debt	Threatened to contact someone or share information improperly Talked to a third-party about your debt	FL 32303	Web
I never signed any contract with this company.
03/24/2015	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt resulted from identity theft	NY 11203	Web
I never open an account with this company.
11/20/2015	Yes	Debt collection Credit card	Improper contact or sharing of info Talked to a third party about my debt	LA 70403	Web
Someone got a credit card in my name
03/02/2017	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	IL 60660	Web	Older American
I do not know of this collection.
01/10/2024	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	TX 77568	Phone

12/12/2023	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	FL 33573	Web

12/10/2023	Yes	Debt collection Credit card debt	Electronic communications You told them to stop contacting you, but they keep trying	OH 43110	Web

12/04/2023	Yes	Debt collection I do not know	Electronic communications Frequent or repeated messages	OR 97124	Web

11/14/2023	Yes	Debt collection I do not know	Electronic communications You told them to stop contacting you, but they keep trying	LA 70056	Web

11/07/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	VA 22079	Web

11/01/2023	Yes	Debt collection I do not know	Electronic communications Contacted before 8am or after 9pm	AP 96326	Web	Servicemember

09/19/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	PA 19040	Web

09/08/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	GA 30083	Web

08/21/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	ME 04474	Web	Older American

08/14/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NJ 07513	Web

08/06/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	PA 17034	Web

08/02/2023	Yes	Debt collection Credit card debt	Threatened to contact someone or share information improperly Talked to a third-party about your debt	TX 77477	Web	Servicemember

07/05/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Getting a credit card Card opened as result of identity theft or fraud	MA 01545	Web

06/16/2023	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	TX 77002	Phone	Servicemember

04/12/2023	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	NC 27260	Web

03/29/2023	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	NY 11706	Web

03/24/2023	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	IL 60154	Web

03/16/2023	Yes	Debt collection I do not know	Communication tactics You told them to stop contacting you, but they keep trying	IN 46970	Web

03/15/2023	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive notice of right to dispute	GA 30093	Web	Older American

03/14/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	GA 31206	Web

03/13/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NY 11590	Web

03/08/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	PA 17044	Web

02/24/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	OH 44221	Web

02/15/2023	Yes	Debt collection I do not know	Communication tactics You told them to stop contacting you, but they keep trying	NJ 07018	Web Referral

02/07/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	PA 17244	Web

01/17/2023	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	TX 78634	Web

12/02/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 33012	Web

12/01/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NY 11743	Web	Servicemember

11/02/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	NC 28202	Web

10/22/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	FL 32839	Web

10/06/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Credit monitoring or identity theft protection services Received unwanted marketing or advertising	FL 34787	Web

08/26/2022	Yes	Debt collection I do not know	Communication tactics Called before 8am or after 9pm	AZ 85143	Web

08/12/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	MS 39047	Web

07/28/2022	Yes	Debt collection Credit card debt	Communication tactics Frequent or repeated calls	FL 34120	Web

06/09/2022	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	NV 89130	Web

05/24/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	GA 31520	Web	Servicemember

05/23/2022	Yes	Debt collection Credit card debt	Threatened to contact someone or share information improperly Talked to a third-party about your debt	MS 39475	Web

05/13/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 34747	Web

04/17/2022	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	OH 45426	Web

04/02/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 322XX	Web

02/01/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	UT 84109	Web

01/02/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Credit monitoring or identity theft protection services Didn't receive services that were advertised	CA 93063	Web

10/06/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	FL 33012	Web

08/31/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 32181	Web	Servicemember

08/31/2021	Yes	Debt collection Credit card debt	False statements or representation Told you not to respond to a lawsuit they filed against you	TX 77057	Web

08/02/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Was not notified of investigation status or results	TX 77551	Web

07/22/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	PA 18104	Web

07/21/2021	Yes	Debt collection Credit card debt	Threatened to contact someone or share information improperly Contacted you after you asked them to stop	AZ 85225	Web

07/03/2021	Yes	Debt collection Credit card debt	Communication tactics Used obscene, profane, or other abusive language	CA 90302	Web

06/09/2021	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Collected or attempted to collect exempt funds	CA 93013	Web	Older American

05/04/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	MA 02136	Phone

04/25/2021	Yes	Debt collection I do not know	Threatened to contact someone or share information improperly Contacted you after you asked them to stop	AZ 85225	Web

04/09/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CA 93940	Web

03/31/2021	Yes	Debt collection Credit card debt	Communication tactics Frequent or repeated calls	CA 92646	Phone	Older American

03/28/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CA 93584	Web

03/23/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	GA 30078	Phone

02/16/2021	Yes	Debt collection I do not know	False statements or representation Indicated you were committing crime by not paying debt	MD 20902	Web

02/01/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	MO 63304	Web

01/11/2021	Yes	Debt collection Credit card debt	False statements or representation Attempted to collect wrong amount	TX 77054	Web

01/06/2021	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened to sue you for very old debt	IL 60617	Web	Older American

12/26/2020	Yes	Debt collection Credit card debt	False statements or representation Attempted to collect wrong amount	FL 33138	Web

12/19/2020	Yes	Debt collection Credit card debt	False statements or representation Attempted to collect wrong amount	TX 77054	Web

10/07/2020	Yes	Debt collection I do not know	Threatened to contact someone or share information improperly Contacted you after you asked them to stop	GA 30346	Web

09/23/2020	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	WI 53225	Web

08/17/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	WA 98516	Web

08/05/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	FL 33308	Web

07/13/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NY 11412	Phone

06/26/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 32819	Web	Older American

06/17/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	AL 36301	Web

06/17/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	WI 53932	Web

05/21/2020	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Threatened to sue you for very old debt	CA 93726	Referral

05/15/2020	Yes	Debt collection Credit card debt	False statements or representation Attempted to collect wrong amount	TX 77449	Web

04/21/2020	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	KY 40509	Web

03/21/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	CA 92261	Web

03/16/2020	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	UT 84041	Phone

03/02/2020	Yes	Debt collection I do not know	Communication tactics You told them to stop contacting you, but they keep trying	NY 11225	Referral

02/18/2020	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	MO 63139	Fax

10/07/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	FL 32907	Web

10/01/2019	Yes	Debt collection I do not know	Threatened to contact someone or share information improperly Contacted you after you asked them to stop	GA 30294	Web

09/13/2019	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was paid	CA 90003	Phone

09/10/2019	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	IN 46142	Web	Servicemember

07/22/2019	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	CO 80521	Web

07/17/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33624	Postal mail

06/30/2019	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	NY 11741	Web

06/29/2019	Yes	Debt collection Mortgage debt	Attempts to collect debt not owed Debt is not yours	NJ 07001	Referral

04/16/2019	Yes	Debt collection I do not know	Communication tactics You told them to stop contacting you, but they keep trying	DC 20376	Web

02/13/2019	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Unable to receive car title or other problem after the loan is paid off	NJ 08753	Web

12/31/2018	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	NJ 07718	Web

11/11/2018	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was paid	WI 54923	Web

11/06/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	OH 44143	Referral

11/04/2018	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Threatened to sue you for very old debt	CA 94123	Web

10/29/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	PA 19144	Phone

09/07/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	GA 30281	Web

06/13/2018	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	FL 32304	Postal mail

05/16/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	DC 20011	Web

05/09/2018	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Threatened to sue you for very old debt	TX 77082	Web

04/24/2018	Yes	Debt collection Credit card debt	Communication tactics You told them to stop contacting you, but they keep trying	CA 90017	Web

03/13/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	PA 17837	Postal mail

02/12/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	CA 900XX	Web	Servicemember

02/10/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	UT 84115	Web

02/09/2018	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was paid	CO 80233	Web

12/21/2017	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	CA 91708	Postal mail

11/28/2017	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a purchase shown on your statement Card was charged for something you did not purchase with the card	NJ 07083	Web	Older American, Servicemember

10/13/2017	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	NJ 08221	Web

09/20/2017	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NM 87312	Web	Older American

08/31/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	TX 75287	Referral

08/24/2017	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	FL 33063	Web

08/15/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 75503	Web

07/31/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	CA 93550	Phone

04/14/2017	Yes	Debt collection Credit card	Improper contact or sharing of info Contacted me after I asked not to	MI 48376	Web

04/11/2017	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	SC 29205	Web

04/02/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	PA 18229	Web

03/07/2017	Yes	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	GA 30236	Web

03/07/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	DE 19938	Referral

02/24/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	TX 78950	Referral

02/08/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	TX 75686	Web

02/07/2017	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt is not mine	WA 98273	Postal mail

02/04/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Improper contact or sharing of info Talked to a third party about my debt	CA 95831	Web	Older American

02/03/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	OR 97267	Referral

02/03/2017	Yes	Debt collection Auto	Cont'd attempts collect debt not owed Debt resulted from identity theft	TX 75215	Web

02/02/2017	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt is not mine	TX 77389	Web

01/24/2017	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt is not mine	CA 91606	Web

01/20/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	OH 44505	Referral

01/05/2017	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	NM 87111	Web

11/29/2016	Yes	Debt collection Credit card	Taking/threatening an illegal action Threatened to sue on too old debt	CA 91328	Web

11/09/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not disclosed as an attempt to collect	NJ 07205	Web

11/07/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	SC 29033	Web

10/29/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Attempted to collect wrong amount	MA 02134	Web

10/21/2016	Yes	Debt collection Credit card	False statements or representation Attempted to collect wrong amount	CA 92104	Postal mail

10/04/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	CA 95634	Postal mail

09/28/2016	Yes	Debt collection Credit card	Taking/threatening an illegal action Threatened to sue on too old debt	CA 95823	Web

09/28/2016	Yes	Debt collection I do not know	Disclosure verification of debt Not disclosed as an attempt to collect	CA 92112	Postal mail	Older American

09/28/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	NM 87402	Postal mail

09/14/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Improper contact or sharing of info Talked to a third party about my debt	CA 90005	Web

09/09/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	CA 95118	Postal mail

08/30/2016	Yes	Debt collection I do not know	False statements or representation Attempted to collect wrong amount	CA 95153	Postal mail

08/26/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	OR 97103	Referral	Servicemember

08/23/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	AZ 85142	Web	Servicemember

08/23/2016	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt is not mine	IL 60653	Web

08/22/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	CA 92780	Postal mail

08/15/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Improper contact or sharing of info Talked to a third party about my debt	TX 77450	Web

08/09/2016	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt was paid	AZ 85021	Web

08/09/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	TX 78589	Referral

08/08/2016	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt is not mine	TX 79902	Phone

08/08/2016	Yes	Debt collection Credit card	Communication tactics Used obscene/profane/abusive language	AR 72104	Phone

08/05/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	NV 89148	Postal mail

08/03/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	FL 33014	Web

08/01/2016	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt is not mine	OK 73160	Web

07/31/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	PA 19126	Web

07/21/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	CA 95841	Fax

07/16/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	OK 73160	Web

07/14/2016	Yes	Debt collection I do not know	Communication tactics Called outside of 8am-9pm	AK 99577	Web

07/06/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was discharged in bankruptcy	CA 94040	Referral

06/30/2016	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt was paid	CA 90047	Web

06/24/2016	Yes	Debt collection Credit card	Taking/threatening an illegal action Threatened to sue on too old debt	CA 94559	Web

06/23/2016	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt was discharged in bankruptcy	LA 70769	Referral	Servicemember

06/23/2016	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt was discharged in bankruptcy	CO 80917	Referral

06/22/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	FL 33407	Fax

06/22/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	CA 93535	Phone

06/21/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	CA 95405	Web

06/21/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	MI 48067	Web

06/19/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt resulted from identity theft	PA 18951	Web	Servicemember

06/17/2016	Yes	Debt collection Credit card	False statements or representation Attempted to collect wrong amount	NV 89031	Web

06/15/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt resulted from identity theft	FL 33023	Web

06/15/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Frequent or repeated calls	CA 93063	Postal mail

06/14/2016	Yes	Debt collection I do not know	Improper contact or sharing of info Talked to a third party about my debt	MI 48021	Web

06/09/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	PA 17401	Referral

06/07/2016	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	FL 34770	Phone

05/31/2016	Yes	Debt collection Credit card	False statements or representation Attempted to collect wrong amount	CA 92395	Web

05/24/2016	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt is not mine	AZ 86401	Web

05/13/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	MO 63701	Phone

05/10/2016	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt was paid	IL 60657	Web

04/29/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	FL 33411	Referral

04/25/2016	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt is not mine	TX 75070	Web

04/22/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	CA 91768	Web

04/20/2016	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt is not mine	FL 32909	Web

04/20/2016	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt is not mine	NM 87505	Referral

04/05/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	AZ 85355	Web

03/31/2016	Yes	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	CA 91932	Referral

03/31/2016	Yes	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	AZ 89434	Referral

03/29/2016	Yes	Debt collection Mortgage	False statements or representation Attempted to collect wrong amount	CA 94085	Phone	Older American

03/27/2016	Yes	Debt collection Credit card	False statements or representation Impersonated an attorney or official	CA 92658	Web	Older American

03/19/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Right to dispute notice not received	IN 46516	Web	Older American

03/18/2016	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt is not mine	TX 75474	Web

03/17/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	LA 70737	Referral

03/14/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Frequent or repeated calls	OR 97228	Referral

03/12/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	NV 89434	Web

03/01/2016	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt is not mine	CO 80031	Web

02/29/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	GA 30316	Web

02/26/2016	Yes	Debt collection Credit card	False statements or representation Attempted to collect wrong amount	TN 38006	Web

02/16/2016	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt is not mine	CA 90025	Web

02/10/2016	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	LA 70806	Web

02/01/2016	Yes	Debt collection Credit card	Communication tactics Called after sent written cease of comm	LA 70555	Web

01/27/2016	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt was discharged in bankruptcy	OR 97080	Referral

01/16/2016	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt was discharged in bankruptcy	IN 46122	Web

01/15/2016	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt is not mine	AZ 85226	Web

01/13/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	FL 34210	Web

01/12/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	FL 32256	Referral

01/11/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Improper contact or sharing of info Talked to a third party about my debt	FL 33823	Web	Servicemember

01/07/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	CA 92065	Web	Servicemember

12/30/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	IL 60085	Web

12/28/2015	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	PA 19104	Web

12/21/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	FL 32680	Referral

12/18/2015	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt was paid	TX 77015	Web

12/17/2015	Yes	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	SC 29801	Referral

12/09/2015	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt resulted from identity theft	KY 40223	Referral

12/07/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	OR 97850	Web	Servicemember

12/02/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	MD 21220	Web

12/02/2015	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	PA 19136	Web

11/27/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine		Referral

11/23/2015	Yes	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	CA 91706	Postal mail

11/19/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	PA 18902	Web

10/29/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	CA 95350	Referral

10/22/2015	Yes	Debt collection I do not know	Communication tactics Called outside of 8am-9pm	TX 76579	Web

10/20/2015	Yes	Debt collection Credit card	Improper contact or sharing of info Talked to a third party about my debt	MD 20685	Web	Older American

10/20/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	MD 21740	Web

10/16/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	FL 338XX	Web

10/15/2015	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt is not mine	CA 92337	Web

10/11/2015	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt is not mine	KY 42413	Web

10/08/2015	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	AL 36854	Web	Older American, Servicemember

10/01/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	CA 91007	Web

10/01/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	CA 90209	Referral

09/28/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt was paid	NV 89521	Web

09/25/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt was paid	OK 74014	Web

09/24/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt resulted from identity theft	CA 91723	Referral

09/16/2015	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt is not mine	OH 43240	Web

09/16/2015	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt resulted from identity theft	TX 75254	Referral

09/11/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	TX 78209	Postal mail

09/09/2015	Yes	Debt collection Credit card	Disclosure verification of debt Not given enough info to verify debt	NH 03103	Postal mail	Servicemember

09/05/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	AZ 85203	Web	Older American

09/03/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	TX 75703	Phone	Older American, Servicemember

09/02/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	WA 99301	Phone

08/31/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	OH 43017	Web

08/26/2015	Yes	Credit card	Identity theft / Fraud / Embezzlement	CA 92844	Postal mail

08/22/2015	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt is not mine	CA 91001	Web

08/20/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	TX 78233	Web

08/12/2015	Yes	Debt collection Credit card	Disclosure verification of debt Right to dispute notice not received	TX 76162	Web

08/12/2015	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt is not mine	CA 92856	Web

08/12/2015	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt was paid	FL 33612	Postal mail	Older American

08/07/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	CA 92585	Web

08/06/2015	Yes	Debt collection Credit card	Communication tactics Frequent or repeated calls	OH 45237	Postal mail

08/05/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	TX 77386	Web

08/04/2015	Yes	Debt collection Credit card	Communication tactics Frequent or repeated calls	CA 93306	Phone	Older American

08/04/2015	Yes	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	NJ 07446	Web

07/31/2015	Yes	Debt collection Credit card	False statements or representation Attempted to collect wrong amount	MI 48206	Web

07/30/2015	Yes	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	TX 78741	Referral

07/28/2015	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt is not mine	OK 73083	Web

07/27/2015	Yes	Bank account or service Other bank product/service	Account opening, closing, or management	TN 37919	Web	Servicemember

07/21/2015	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	CA 92563	Web

07/21/2015	Yes	Debt collection Credit card	Disclosure verification of debt Not given enough info to verify debt	NY 11550	Postal mail

07/18/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	FL 33509	Web

07/17/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	GA 30741	Web

07/16/2015	Yes	Debt collection Credit card	Communication tactics Threatened to take legal action	VT 05091	Web

07/16/2015	Yes	Debt collection Credit card	Improper contact or sharing of info Contacted me after I asked not to	VT 05091	Web

07/16/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	IN 46561	Web

07/15/2015	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt is not mine	CA 95355	Web

07/15/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	NY 11735	Web

07/13/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	CA 95409	Web

07/10/2015	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt resulted from identity theft	VA 23221	Web

07/09/2015	Yes	Debt collection Credit card	Improper contact or sharing of info Contacted me after I asked not to	MO 65781	Web	Servicemember

07/08/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	FL 33024	Web

07/07/2015	Yes	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	AL 35235	Web

07/06/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	PA 15201	Phone	Older American

06/26/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	GA 30022	Web	Servicemember

06/25/2015	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	FL 32308	Referral

06/25/2015	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt is not mine	TX 75189	Web

06/12/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	MO 63376	Web

06/06/2015	Yes	Debt collection Auto	Cont'd attempts collect debt not owed Debt was paid	CA 92201	Web

06/05/2015	Yes	Credit card	Billing disputes	CA 91343	Web

06/01/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt resulted from identity theft	CA 94540	Web

05/28/2015	Yes	Debt collection Credit card	False statements or representation Attempted to collect wrong amount	SC 29072	Web	Older American

05/27/2015	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt was discharged in bankruptcy	SC 29205	Web

05/21/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	NM 87114	Web

05/19/2015	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt was paid	DE 19809	Web

05/19/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	CO 80210	Web

05/18/2015	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	IL 62959	Referral

05/15/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt resulted from identity theft	MD 21220	Web

05/14/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	TX 75126	Web

05/08/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	LA 70057	Web

05/05/2015	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt is not mine	LA 71292	Phone

04/23/2015	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt was discharged in bankruptcy	FL 33196	Web

04/22/2015	Yes	Debt collection Credit card	Disclosure verification of debt Not given enough info to verify debt	WA 99223	Postal mail

04/21/2015	Yes	Debt collection Federal student loan	Disclosure verification of debt Not given enough info to verify debt	CA 90250	Phone

04/21/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	OH 44705	Web	Older American

04/21/2015	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt was paid	MI 48094	Web

04/20/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Improper contact or sharing of info Talked to a third party about my debt	FL 32073	Web

04/20/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	VA 23805	Referral

04/19/2015	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt was paid	CA 92869	Web

04/17/2015	Yes	Debt collection Credit card	Communication tactics Frequent or repeated calls	CA 90066	Web	Servicemember

04/17/2015	Yes	Debt collection Credit card	False statements or representation Attempted to collect wrong amount	LA 70714	Postal mail

04/17/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Threatened to take legal action	NE 68144	Web

04/15/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Threatened to take legal action	FL 32073	Web	Older American

04/14/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	CA 93001	Web	Older American

04/08/2015	Yes	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	GA 30016	Postal mail

04/03/2015	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	FL 33324	Web

03/31/2015	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt was paid	CO 80015	Web

03/26/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Improper contact or sharing of info Talked to a third party about my debt	TN 37620	Phone	Older American

03/24/2015	Yes	Debt collection Credit card	Taking/threatening an illegal action Threatened to sue on too old debt	UT 84065	Web

03/20/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	LA 70518	Referral	Older American

03/20/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	FL 33187	Web

03/16/2015	Yes	Credit card	Other	AR 72904	Web

03/13/2015	Yes	Debt collection Credit card	Taking/threatening an illegal action Threatened to sue on too old debt	OR 97266	Web	Older American

03/12/2015	Yes	Debt collection Credit card	Improper contact or sharing of info Contacted me after I asked not to	FL 33067	Web	Older American, Servicemember

03/11/2015	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt is not mine	NV 89113	Web

03/11/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	CA 94505	Postal mail

03/09/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	NJ 08807	Phone

03/09/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	NY 13901	Web

03/06/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	OK 74344	Referral

03/04/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt was discharged in bankruptcy	CA 94589	Web

03/04/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt resulted from identity theft	FL 33014	Web

03/02/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	CA 90036	Postal mail

03/02/2015	Yes	Debt collection Credit card	Communication tactics Threatened to take legal action	CO 80210	Web

03/01/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was discharged in bankruptcy	IL 61917	Web

02/27/2015	Yes	Credit card	Other	MI 49001	Web

02/26/2015	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt was paid	DE 19809	Web

02/26/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	MN 55343	Web

02/25/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	TX 78750	Web

02/25/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Taking/threatening an illegal action Threatened to sue on too old debt	IL 60657	Web

02/24/2015	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt is not mine	CA 92530	Web

02/24/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	NC 28590	Web

02/24/2015	Yes	Debt collection Credit card	False statements or representation Attempted to collect wrong amount	CA 92083	Fax

02/20/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	OR 97823	Postal mail	Older American

02/19/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	CA 94701	Referral

02/19/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	CA 94701	Referral

02/17/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	DE 19977	Web	Servicemember

02/17/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	CO 80123	Web

02/17/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Attempted to collect wrong amount	MD 21702	Web	Servicemember

02/12/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	OH 45342	Web

02/11/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	NC 27520	Web

02/10/2015	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt is not mine	CA 92782	Web

02/10/2015	Yes	Credit card	Identity theft / Fraud / Embezzlement	TX 75203	Web	Servicemember

02/05/2015	Yes	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	AP 96517	Web	Servicemember

02/05/2015	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	CA 90069	Web

02/05/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	LA 70443	Web

02/05/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	GA 30606	Web

02/04/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Improper contact or sharing of info Contacted employer after asked not to	FL 33070	Web

02/03/2015	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt resulted from identity theft	CA 95926	Web

02/03/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	TX 78234	Web	Older American, Servicemember

02/03/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	OH 45240	Web

02/02/2015	Yes	Debt collection I do not know	Taking/threatening an illegal action Threatened to sue on too old debt	CA 92807	Web

02/02/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	AR 72116	Web	Servicemember

01/27/2015	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt was paid	CA 92078	Web

01/27/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Frequent or repeated calls	AZ 85260	Web

01/23/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	GA 31405	Web

01/22/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt was paid	CA 90242	Web

01/22/2015	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt was discharged in bankruptcy	WA 98292	Web

01/20/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt resulted from identity theft	IN 47909	Web

01/19/2015	Yes	Debt collection Credit card	Taking/threatening an illegal action Threatened to sue on too old debt	OK 73662	Web	Servicemember

01/17/2015	Yes	Debt collection Credit card	False statements or representation Impersonated an attorney or official	NY 11706	Web

01/17/2015	Yes	Debt collection Credit card	False statements or representation Attempted to collect wrong amount	CA 91001	Web

01/17/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	TX 77083	Web

01/13/2015	Yes	Debt collection Credit card	Communication tactics Called after sent written cease of comm	FL 33326	Web	Older American

01/13/2015	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt was paid	CT 06106	Web

01/08/2015	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt is not mine	IL 60604	Web

01/02/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt resulted from identity theft	TX 75137	Web

01/01/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	VI 00804	Referral

12/31/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	CA 92883	Referral

12/29/2014	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt is not mine	VA 22312	Web

12/26/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	TX 78220	Postal mail

12/26/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	TX 78220	Postal mail

12/26/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Attempted to collect wrong amount	DE 19901	Web	Servicemember

12/25/2014	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	CA 93277	Web

12/23/2014	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	AL 36783	Web

12/17/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Called outside of 8am-9pm	MD 20657	Web	Older American, Servicemember

12/16/2014	Yes	Debt collection I do not know	Disclosure verification of debt Not disclosed as an attempt to collect	ME 04073	Web	Older American

12/13/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	PA 18452	Web

12/11/2014	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt was paid	VT 05819	Phone

12/10/2014	Yes	Debt collection I do not know	Disclosure verification of debt Not disclosed as an attempt to collect	CA 91225	Web	Older American

12/10/2014	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	AZ 85007	Web

12/09/2014	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt was paid	MN 55344	Postal mail

12/09/2014	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt is not mine	TX 78253	Web	Servicemember

12/09/2014	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt was paid	KS 66006	Web	Servicemember

12/07/2014	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	WA 99224	Web

12/06/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Right to dispute notice not received	NH 03827	Web

12/05/2014	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	CA 91739	Web

12/04/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	HI 96753	Phone

12/03/2014	Yes	Debt collection Credit card	Disclosure verification of debt Not given enough info to verify debt	PA 19139	Postal mail

12/01/2014	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	TX 78148	Phone	Older American, Servicemember

12/01/2014	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt resulted from identity theft	FL 33030	Web

11/29/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Taking/threatening an illegal action Threatened to sue on too old debt	DC 20001	Web

11/28/2014	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt is not mine	PA 18062	Web

11/26/2014	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	AL 35660	Web

11/25/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	DE 19701	Fax

11/24/2014	Yes	Debt collection Credit card	False statements or representation Indicated committed crime not paying	WA 99223	Web	Servicemember

11/22/2014	Yes	Debt collection Credit card	False statements or representation Attempted to collect wrong amount	FL 32837	Web

11/22/2014	Yes	Debt collection Credit card	Disclosure verification of debt Not disclosed as an attempt to collect	TX 78221	Web	Servicemember

11/22/2014	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt is not mine	TX 77381	Web	Older American

11/20/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	IL 60609	Web

11/19/2014	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	PA 16023	Web

11/17/2014	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt resulted from identity theft	TX 75106	Web

11/17/2014	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt is not mine	CA 95124	Web	Servicemember

11/17/2014	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt is not mine	IL 62906	Referral

11/17/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	AL 35660	Postal mail

11/17/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	NY 11421	Web

11/14/2014	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt is not mine	WA 98816	Phone	Older American, Servicemember

11/14/2014	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt is not mine	IN 46323	Web

11/13/2014	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	OK 73529	Referral

11/12/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	FL 33781	Web

11/10/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	IN 46962	Web	Older American, Servicemember

11/06/2014	Yes	Debt collection Credit card	Taking/threatening an illegal action Threatened to sue on too old debt	CA 92822	Web

11/05/2014	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	WV 26101	Web

11/05/2014	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt was paid	GA 30097	Web

10/25/2014	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt was paid	CA 91911	Web

10/24/2014	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	MT 59803	Web

10/22/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	KY 41094	Web

10/21/2014	Yes	Debt collection Credit card	False statements or representation Attempted to collect wrong amount	GA 30005	Web	Older American

10/21/2014	Yes	Debt collection I do not know	Improper contact or sharing of info Contacted me after I asked not to	IA 50211	Web

10/15/2014	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt is not mine	CA 91303	Phone

10/15/2014	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt is not mine	FL 33706	Referral

10/14/2014	Yes	Debt collection Credit card	Taking/threatening an illegal action Threatened to sue on too old debt	MD 20708	Phone

10/10/2014	Yes	Debt collection Auto	Disclosure verification of debt Not disclosed as an attempt to collect	SC 29209	Phone

10/10/2014	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt is not mine	MI 48226	Phone	Older American

10/10/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	TX 78155	Phone	Servicemember

10/09/2014	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt is not mine	CA 92126	Referral

10/09/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	NV 89434	Referral

10/09/2014	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	LA 70739	Web

10/08/2014	Yes	Debt collection Credit card	Disclosure verification of debt Not given enough info to verify debt	IL 61614	Web

10/08/2014	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	OR 97304	Web

10/06/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	TX 77503	Web

10/06/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Taking/threatening an illegal action Threatened to sue on too old debt	IL 60707	Web

10/02/2014	Yes	Debt collection Credit card	False statements or representation Impersonated an attorney or official	PA 17101	Web

10/01/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	KS 67211	Web

09/29/2014	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	TX 78574	Web

09/29/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	NY 12590	Web	Older American

09/26/2014	Yes	Debt collection Credit card	Improper contact or sharing of info Contacted me instead of my attorney	OR 97457	Web

09/22/2014	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt is not mine	FL 33063	Web

09/22/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	MI 48122	Web

09/21/2014	Yes	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	TX 76801	Web

09/20/2014	Yes	Debt collection Credit card	Communication tactics Threatened to take legal action	CO 80205	Web

09/19/2014	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	CT 06360	Web

09/18/2014	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	FL 33435	Web

09/18/2014	Yes	Debt collection I do not know	Communication tactics Threatened to take legal action	TX 77077	Phone

09/16/2014	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	MD 20850	Web

09/15/2014	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt was paid	NJ 07060	Postal mail

09/11/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	IL 60440	Web

09/09/2014	Yes	Debt collection I do not know	Communication tactics Called outside of 8am-9pm	GA 30909	Web	Servicemember

09/06/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	AZ 85296	Web

08/27/2014	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	TX 76549	Web	Servicemember

08/27/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	FL 33055	Referral

08/21/2014	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt resulted from identity theft	KS 66071	Web	Older American, Servicemember

08/21/2014	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt resulted from identity theft	TN 38375	Web

08/20/2014	Yes	Debt collection Auto	Improper contact or sharing of info Talked to a third party about my debt	AL 35401	Web

08/19/2014	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt was paid	CA 90740	Web

08/18/2014	Yes	Debt collection Credit card	False statements or representation Attempted to collect wrong amount	FL 33056	Web	Older American

08/17/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Attempted to collect wrong amount	VA 23805	Web

08/15/2014	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt is not mine	CA 95816	Phone	Older American

08/13/2014	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt was paid	TX 76040	Fax

08/12/2014	Yes	Debt collection Credit card	False statements or representation Attempted to collect wrong amount	CA 93023	Web

08/12/2014	Yes	Debt collection I do not know	Taking/threatening an illegal action Threatened to sue on too old debt	GA 30076	Web	Servicemember

08/08/2014	Yes	Debt collection Credit card	False statements or representation Attempted to collect wrong amount	CA 93535	Web

08/08/2014	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	CA 95991	Web

08/08/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	PA 17368	Web

08/08/2014	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt is not mine	WA 99362	Web	Servicemember

08/05/2014	Yes	Consumer Loan Installment loan	Managing the loan or lease	GA 30605	Web	Servicemember

08/04/2014	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	NJ 08087	Phone

08/01/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Frequent or repeated calls	LA 71270	Referral

07/31/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	MA 01757	Web

07/30/2014	Yes	Debt collection Auto	Communication tactics Used obscene/profane/abusive language	TN 38125	Web

07/29/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	DC 20020	Web

07/29/2014	Yes	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	AZ 85281	Web	Servicemember

07/26/2014	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt resulted from identity theft	FL 33433	Web	Older American

07/25/2014	Yes	Debt collection Credit card	Improper contact or sharing of info Talked to a third party about my debt	SC 29520	Web

07/23/2014	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt is not mine	SC 29526	Phone

07/22/2014	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt was paid	CA 95376	Web	Servicemember

07/22/2014	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt was paid	CA 95376	Web	Servicemember

07/22/2014	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt was paid	CA 95376	Web	Servicemember

07/21/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	FL 33830	Postal mail

07/19/2014	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt resulted from identity theft	CO 80401	Web

07/17/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	CO 80246	Referral

07/16/2014	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	TX 78704	Web

07/14/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	CA 91402	Phone	Older American

07/09/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	OR 97225	Web

07/08/2014	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt resulted from identity theft	CA 93247	Web

07/08/2014	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	CA 90505	Web

07/07/2014	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	NV 89156	Referral

06/27/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	FL 32837	Web

06/26/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	FL 34203	Referral

06/25/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	GA 30120	Referral

06/24/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	NJ 07202	Referral

06/20/2014	Yes	Debt collection Credit card	Taking/threatening an illegal action Threatened to sue on too old debt	OH 44087	Web

06/18/2014	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt is not mine	CO 80233	Referral

06/14/2014	Yes	Debt collection Non-federal student loan	Cont'd attempts collect debt not owed Debt is not mine	SD 57702	Web

06/14/2014	Yes	Debt collection Credit card	Disclosure verification of debt Not given enough info to verify debt	CA 90018	Web

06/13/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	TX 75067	Referral

06/13/2014	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	NE 68756	Web

06/12/2014	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt is not mine	CA 95001	Web

06/12/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	MD 20685	Referral

06/05/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	NJ 08846	Referral

06/04/2014	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt is not mine	TX 75033	Web

06/04/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	CA 95630	Referral

06/03/2014	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt is not mine	TX 77583	Web

06/03/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Frequent or repeated calls	RI 02889	Phone	Older American

06/02/2014	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	LA 71055	Phone

06/02/2014	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	CA 94559	Web

05/31/2014	Yes	Debt collection Credit card	Disclosure verification of debt Not given enough info to verify debt	NJ 08065	Web

05/29/2014	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt is not mine	CA 94501	Web	Older American

05/28/2014	Yes	Debt collection I do not know	Improper contact or sharing of info Talked to a third party about my debt	OH 44067	Web

05/28/2014	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	CO 80603	Web

05/23/2014	Yes	Debt collection Credit card	Improper contact or sharing of info Contacted employer after asked not to	TX 78728	Web

05/22/2014	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt is not mine	GA 31302	Phone	Older American

05/22/2014	Yes	Debt collection Credit card	Disclosure verification of debt Right to dispute notice not received	IL 62234	Web	Servicemember

05/21/2014	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt is not mine	CA 90304	Web

05/21/2014	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt was paid	CA 92804	Phone

05/20/2014	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt is not mine	AK 99901	Web

05/20/2014	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt is not mine	TX 78130	Web

05/19/2014	Yes	Debt collection Credit card	Improper contact or sharing of info Talked to a third party about my debt	NV 89030	Web	Older American

05/19/2014	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt was paid	MD 20706	Phone

05/19/2014	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt was paid	VA 24554	Referral

05/18/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	NJ 07747	Web	Older American

05/16/2014	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt is not mine	NY 12866	Web	Older American

05/14/2014	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	OH 45014	Web

05/13/2014	Yes	Debt collection Credit card	Disclosure verification of debt Right to dispute notice not received	CA 94134	Web

05/08/2014	Yes	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	NY 14075	Web	Servicemember

05/08/2014	Yes	Debt collection I do not know	Taking/threatening an illegal action Threatened arrest/jail if do not pay	MD 21853	Web

05/08/2014	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	MA 01095	Web

05/07/2014	Yes	Debt collection Credit card	False statements or representation Indicated committed crime not paying	TX 76705	Web

05/06/2014	Yes	Debt collection Credit card	Taking/threatening an illegal action Threatened to sue on too old debt	CO 80302	Web

05/01/2014	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	OH 44830	Web

04/30/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt resulted from identity theft	FL 32507	Postal mail

04/29/2014	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt resulted from identity theft	OH 43146	Web

04/24/2014	Yes	Debt collection I do not know	Taking/threatening an illegal action Threatened arrest/jail if do not pay	FL 32210	Web

04/24/2014	Yes	Debt collection Credit card	Improper contact or sharing of info Contacted me after I asked not to	ID 83843	Web	Older American

04/22/2014	Yes	Debt collection Credit card	Communication tactics Called after sent written cease of comm	TX 79904	Web

04/22/2014	Yes	Debt collection Credit card	Improper contact or sharing of info Contacted me after I asked not to	TX 79904	Web

04/18/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	AL 35226	Referral

04/17/2014	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt is not mine	VA 24477	Phone

04/16/2014	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt is not mine	CA 94606	Postal mail

04/14/2014	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	NV 89408	Postal mail

04/12/2014	Yes	Debt collection Credit card	Improper contact or sharing of info Contacted me after I asked not to	CA 90047	Web

04/11/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	KS 67002	Referral

04/10/2014	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt is not mine	DC 20020	Referral

04/09/2014	Yes	Debt collection Credit card	Communication tactics Frequent or repeated calls	PA 16101	Web	Older American, Servicemember

04/09/2014	Yes	Debt collection Credit card	Communication tactics Threatened to take legal action	TX 76273	Postal mail

04/07/2014	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	TX 75077	Web

04/04/2014	Yes	Debt collection Credit card	Disclosure verification of debt Not disclosed as an attempt to collect	RI 02915	Web

04/03/2014	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt is not mine	CA 92102	Web

04/03/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	NJ 08302	Web	Servicemember

04/02/2014	Yes	Debt collection Credit card	Disclosure verification of debt Not given enough info to verify debt	KY 40741	Postal mail

03/31/2014	Yes	Debt collection Credit card	Disclosure verification of debt Not given enough info to verify debt	CA 92408	Phone

03/31/2014	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	GU 30238	Web

03/29/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Right to dispute notice not received	CT 06067	Web

03/29/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	WA 98103	Web

03/28/2014	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	VT 05819	Phone	Older American

03/27/2014	Yes	Debt collection Credit card	Improper contact or sharing of info Contacted me after I asked not to	TX 75243	Web

03/26/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Attempted to collect wrong amount	GA 30253	Web	Servicemember

03/23/2014	Yes	Debt collection Credit card	Taking/threatening an illegal action Threatened to sue on too old debt	IL 60707	Web

03/21/2014	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	FL 32805	Phone	Older American

03/16/2014	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt is not mine	ME 04605	Web

03/15/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	CA 93105	Web

03/10/2014	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt is not mine	ID 83204	Web

03/06/2014	Yes	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	SC 29624	Referral

03/03/2014	Yes	Debt collection Credit card	False statements or representation Attempted to collect wrong amount	GA 30084	Web

02/27/2014	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	CA 95827	Web

02/26/2014	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt is not mine	FL 34950	Fax	Older American

02/20/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	AR 72211	Web

02/15/2014	Yes	Debt collection I do not know	Disclosure verification of debt Not disclosed as an attempt to collect	CA 90706	Web

02/13/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	CA 90025	Referral

02/07/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	MD 20746	Postal mail

02/07/2014	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt is not mine	WY 82901	Web

01/30/2014	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt is not mine	NY 11720	Web

01/23/2014	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt was paid	WI 54726	Web	Servicemember

01/19/2014	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt is not mine	AR 72472	Web

01/16/2014	Yes	Debt collection I do not know	False statements or representation Indicated committed crime not paying	NY 11023	Web

01/10/2014	Yes	Debt collection Credit card	False statements or representation Attempted to collect wrong amount	MI 49503	Web

01/09/2014	Yes	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	FL 34691	Web

12/30/2013	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt resulted from identity theft	NC 28054	Web

12/17/2013	No	Debt collection Credit card	False statements or representation Indicated committed crime not paying	AZ 85281	Web	Older American

12/15/2013	No	Debt collection I do not know	Communication tactics Frequent or repeated calls	NV 89120	Web

12/07/2013	No	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	CA 92567	Web

12/04/2013	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	PA 17847	Referral

11/27/2013	No	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	IL 60422	Referral

11/25/2013	No	Debt collection Credit card	Communication tactics Frequent or repeated calls	NH 03053	Web

11/10/2013	No	Debt collection Credit card	Communication tactics Frequent or repeated calls	TX 76209	Web

11/05/2013	No	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	WV 26330	Web

10/31/2013	No	Debt collection I do not know	Improper contact or sharing of info Talked to a third party about my debt	LA 70068	Referral

10/30/2013	No	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	KY 41018	Referral

10/28/2013	No	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt resulted from identity theft	WV 26330	Phone

08/07/2013	No	Debt collection Credit card	Cont'd attempts collect debt not owed Debt is not mine	CA 92307	Phone