I am not going to stop until I get the satisfaction of causing FCNB and/or the turds that are behind it into as much trouble/pain as possible.
Next write to Ohio Congressman; Michael G. Oxley, Chairman, Committee on Finacial Service, 2129 RHOB Washington, DC 20515-6050. Be sure to inform the Congressman of your total experience with FCNB. CC the letter to your Congressman, Senator, Attorney General..State and Federal, Federal Trade Commission Consumer Response Center FCRA Washington, DC 20580, New York State Attorney General's Office Consumer Frauds & Protection Bureau, 120 Broadway, 3rd Floor New York, NY 10271, Comptroller of the Currency Customer Assistance Group 1301 Mckinney St. Houston, TX 77010.
I have never had any dealings with FCNB, until I wanted to get a Mortgage, did a credit check and low and behold there is good old Midland Credit Management Inc. of 8875 Aero Dr. Suite #200 San Diego, CA 92123, registering a $1253.00 collection account on bealf of FCNB. I attempted to deal with Midland Credit Management Inc., as any normal person would... these pukes are just a pack of liars who get off on degrading innocent victims such as myself.
If you are in the same boat as I was (Equifax, Experian, & Trans Union credit reporting bureuas registering the lies of FCNB on your credit report) go on line to dispute the credit report with Equifax, Experian, Trans Union credit reporting bureuas, make sure that you have an actual dispute registered with each of the reporting bureaus. Write a letter to Midland Credit Management Inc. (above address) as well as FCNB at P O Box 5811 Hicksville, NY 11802. Here is an example of the one I sent... VIA CERTIFIED MAIL, with RETURN RECEIPT (cost about $ 5.00)...I dispute the reporting of this debt that is registered on my credit report with Equifax, Experian, and Trans Union Credit Reporting Bureaus. In accordance with The Fair Debt Collection Practices Act, Section 809. validation of debts [15 USC 1692g] (b), I request that you please provide me with the name and address of the 'original' creditor, a copy of an application, authorization, and/or receipt baring my signature, proving I am liable for this debt. Sincerely... sign 'er up and send 'er off... Just like puke, both of these creeped out scum bag outfits dried up real fast, about 30 days and the lies were removed from my credit report... as apparently these losers have no back bone when it comes to someone that is willing to go all the way. If this advice helps you in getting these parisites off your back and out of your life, please do not stop there... be sure to call, write, email all the a fore mentioned government agencies, as these guys need a dose of what they have been giving out. Again I have never had any dealings with FCNB, they found me...now I know where they are...with your help maybe we all can have a little prosecution/payback. The fore going is a personal opinion, and does not constitute a threat.
Hobbs, New Mexico