Are you being called by First National Collection Bureau, Inc.?* Here's what you need to know.
If you’ve fallen behind on your student loans and credit card bills, you may be hearing from debt collectors. When they call, they will insist that you need to pay them, and now. What they aren’t likely to tell you is that as an indebted consumer you have protection under the law.
Your Rights Under the FDCPA
The Fair Debt Collection Practices Act, or FDCPA, requires third-party debt collectors to behave professionally when collecting consumer debts. Bullying and deceptive tactics like those below can result in fines and revocation of the agency’s license.
- Calling you before 8:00 a.m. and after 9:00 p.m. your time
- Threatening you with consequences or actions they can’t legally take or have no intention of taking
- Using profane or obscene language
- Discussing your debt with anyone except you, your spouse, or your attorney
- Calling you at work after you’ve told them that your employer doesn’t allow such calls
- Telling you that you have committed a crime and will be arrested
Company Profile: First National Collection Bureau, Inc.
If you are being called by First National Collection Bureau, Inc., information about the company is below.
First National Collection Bureau, Inc. is a debt collection company located in McCarran, Nevada. It was established in 1983, has less than 10 employees, and is managed by its President, Bradley L. Jardon. Records retained by the PACER (Public Access to Court Electronic Records) website suggest that many people who believed they were being harassed by First National Collection Bureau, Inc. confronted the company in federal court.
Alleged Violations against First National Collection Bureau, Inc.
According to PACER, on or around July 2016 First National Collection Bureau, Inc. sent a collection letter to an Indiana resident. It concerned a Verizon debt that had been purchased by Pinnacle Credit Services, LLC. The letter stated, in part, “[because] of the age of your debt, Pinnacle Credit Services, LLC will not sue you for it, and Pinnacle Credit Services will not report it to any credit reporting agency.
On August 23, 2016, the plaintiff accessed her credit report from three separate credit reporting agencies, all of which reported her debt as being in collection status. Feeling harassed by First National Collection Bureau, Inc., she hired a consumer attorney sued the company for allegedly violating the FDCPA in the following ways:
- Misrepresenting the character, amount, or legal status of the debt
- Using unfair and unconscionable means to collect a debt
The matter was later settled.
Hire an Attorney
The phone numbers for this collection agency are:
If you see any of them on your caller ID when the phone rings, it means that you are being called by First National Collection Bureau, Inc.. Should they report derogatory information to the credit bureaus despite a previous assurance that such actions would not be taken, hire a consumer attorney. Deceiving consumers is illegal under the FDCPA, and if you file a claim against First National Collection Bureau, Inc. and win, you could potentially receive $1,000 per FDCPA violation, putting the agency in debt to you now.
*Case taken from PACER (www.pacer.gov). File number is Case 2:16-cv-00381-JD-JEM from the United States District Court for the Northern District of Indiana, Hammond Division.
Disclaimer: The content of this article serves only to provide information and should not be constructed as legal advice. If you file a claim against First National Collection Bureau, Inc., or any other third-party collection agency, you may not be entitled to any compensation.