Who is First National Collection Bureau?
First National Collection Bureau, Inc. (FNCB) is a debt collection agency based in Reno, Nevada. Their role involves managing and collecting debts that individuals have failed to pay.
If you have an unpaid bill or financial obligation, you may see FNCB listed on your credit report as a collection account.
Who does First National Collection Bureau collect for?
First National Collection Bureau caters to multiple sectors, handling various types of debts. They manage debts from auto loans, credit cards, retail cards, and judgments confirmed by court rulings. They also work on unpaid telecommunications accounts and other types of past-due accounts.
Is First National Collection Bureau legit or a scam?
First National Collection Bureau is a legitimate debt collection company. They are authorized to collect debts on behalf of their clients. However, it’s always advisable to verify any debts claimed by FNCB or any other debt collection agency before proceeding with payments.
How can I remove First National Collection Bureau from my credit report?
Collections can hurt your credit score and remain on your credit report for up to seven years regardless of whether you pay it or not. Unfortunately, paying the collection could even lower your credit score.
However, it is possible to remove a collection account from your credit history before seven years.
(While debt collectors may not want this information to be widely known, it’s your right to be informed.)
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First National Collection Bureau, Inc. (FNCB) Contact Information
First National Collection Bureau, Inc.
50 W Liberty St. Ste 250
Reno, NV 89501
Phone number: (800) 824-6191
Should I contact or pay First National Collection Bureau, Inc.?
Before contacting a collection agency, verify that the debt is legitimate and accurately reported. Sometimes, credit reports contain errors or list debts that are no longer valid. Also, be aware that making payments on a debt can reset the clock. As a result, it could harm your credit rather than improve it.
The most effective way to deal with First National Collection Bureau is to work with a credit repair professional. They help remove millions of negative items every year from companies like FNCB on behalf of their clients.
Will First National Collection Bureau sue me or garnish my wages?
First National Collection Bureau (FNCB) does have the legal right to sue for unpaid debts. If they win a judgment against you, they could potentially garnish your wages, subject to the laws in your state.
However, it’s essential to note that such actions are generally a last resort. Most collection agencies, including FNCB, prefer to work out a payment plan with debtors to avoid the cost and time involved in court proceedings.
First National Collection Bureau, Inc. Complaints
Most collection agencies have numerous complaints filed against them with the Consumer Financial Protection Bureau (CFPB) and the Better Business Bureau (BBB). Most consumer complaints are about inaccurate reporting, harassment, or failure to verify a debt. If you find yourself facing any of these situations with a debt collector, you should also consider filing a complaint.
You have many consumer rights under the Fair Credit Reporting Act (FCRA) and the Fair Debt Collection Practices Act (FDCPA). These rights include the ability to dispute credit reporting errors and to be treated fairly and respectfully by debt collectors.
Your Rights When Dealing with First National Collection Bureau, Inc.
Debt collectors must abide by state and federal laws in the United States. For example, the FDCPA prohibits a debt collector from using abusive, unfair, or deceptive practices. In addition, it provides you with many rights to ensure that collection agencies don’t take advantage of you. In particular:
- It is a violation of federal law for First National Collection Bureau to report inaccurate or incomplete information about you.
- You have a legal right to request debt validation on an alleged debt. Send the collection agency a debt validation letter. By law, they have 30 days to prove to you that the debt is really yours and the total amount is accurate.
- First National Collection Bureau, Inc. may not threaten or harass you, call you repeatedly, swear at you, or publicly publish a list of debtors.
- First National Collection Bureau, Inc. must be honest about who they are and what they are attempting to do. They must notify you that they are a debt collection agency both orally and in writing.
- First National Collection Bureau, Inc. cannot threaten to have you arrested or imprisoned over unpaid debts.
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