First National Collection Bureau, Inc. is a debt collection agency located in Reno, Nevada. It has been in business since 1983 and also uses the name FNCB. The agency provides debt collection services to a variety of companies including the telecommunications industry, auto lenders, and credit card companies.
50 W Liberty St STE 250
Reno, NV 89501-1973
Phone: (800) 824-6191
The Better Business Bureau (BBB) and Consumer Financial Protection Bureau (CFPB) report nearly 300 consumer complaints filed against First National Collection Bureau, Inc. in the last three years. Complaints allege that the collection agency:
- Failed to provide debt verification information
- Continued contacting a consumer about a debt after becoming aware that the consumer had an attorney
- Used abusive language when attempting to collect on a debt
- Continued calling a consumer to collect on a debt that did not belong to him
Reported false information to the credit reporting agencies
These are all violations of the federal Fair Debt Collection Practices Act (FDCPA), a law enacted to help protect consumers from deceptive, unfair, and abusive collection practices. Other specific practices the Act prohibits include:
- Calling a consumer before 8:00 a.m. or after 9:00 p.m.
- Falsely implying that a consumer can be arrested for not paying a bill
- Advertising a debt for sale in order to coerce payment from the debtor
- Attempting to collect fees that were not provided for in the original contract
- Continuing to call a consumer after being asked to stop contacting them
- Allowing a consumer's phone to ring continuously in an attempt to annoy them
- Calling a consumer at work when it knows the employer prohibits this type of call
- Using profane, obscene, or abusive language
A number of the complaints filed against First National Collection Bureau, Inc. allege that the company is attempting to collect on a debt that is old and past the statute of limitations. While many companies will stop collection attempts once the statue of limitations has run out, they are still allowed to make collection attempts; they simply cannot sue you to collect on the debt. However, you may accidentally restart the statute by taking certain actions, so it is a good idea to consult with a consumer attorney before even speaking with a debt collector about an old debt.
If First National Collection Bureau, Inc. is using any unfair, deceptive, or abusive practices in order to collect a debt from you, it is time to hold them accountable for their actions. Please contact our office for a free, no obligation consultation at 1-800-219-3577.