• Report: #159861

Complaint Review: First National Collection Bureau, Inc.

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  • Submitted: Fri, October 07, 2005
  • Updated: Fri, October 07, 2005

  • Reported By:Houghton Lake Michigan
First National Collection Bureau, Inc.
3631 Warren Way Reno, Nevada U.S.A.
  • Phone: 800-824-6191
  • Web:
  • Category: Banks

First National Collection Bureau, Inc. Disregarding a federal bankruptcy charge! Reno Nevada

*Consumer Suggestion: Don't Let Them Get To You. Don't Talk To Them!

*Consumer Comment: Simple Solution

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I also want to participate in a class action suit against First National Collection Bureau Inc. because they are violating my bankruptcy discharge!

My bankruptcy was discharged on 4/22/04. This debt was specifically listed in my Schedule F. After my bankruptcy discharged I contacted the three major credit bureaus and individually for each account requested update to reflect 'discharged in bankruptcy'. I supplied the bureaus with copy of the schedules and copy of the discharge and identified each debt as numbered them. For TransUnion, the debt was represented by Spirit of America National Bank who updated my bureau on 12/04. On my Experian Report the item was represented by Fashion Bug/SOANB and was updated on 2-2005. However, on Equifax even though the item was represented by the same as Experian the source refused to remove the item saying 'current status is being reported correctly. Additional information has been provided from the original source regarding this item." So this item was notified of bankruptcy at least 4 times.

Then I got a letter from First National Collection Bureau, Inc. dated September 21, 2005 on this same debt. Their response to my phone call to clear the issue was aggressive and immediately and overtly taunting. I am a mother whose child just died on June 9th to acute encephalomyelotitis and I have ongoing struggles with the State of Michigan and the Centers for Disease Control in researching and validating her death. I am a very fragile person right now and having to deal with this on top of the real stuff in my life, left me shaking internally yesterday. It is wrong for this company to harass me and I am not going to put up with it.

Margo
Houghton Lake, Michigan
U.S.A.

This report was posted on Ripoff Report on 10/07/2005 07:39 AM and is a permanent record located here: http://www.ripoffreport.com/r/First-National-Collection-Bureau-Inc/Reno-Nevada-89509/First-National-Collection-Bureau-Inc-Disregarding-a-federal-bankruptcy-charge-Reno-Neva-159861. The posting time indicated is Arizona local time. Arizona does not observe daylight savings so the post time may be Mountain or Pacific depending on the time of year.

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REBUTTALS & REPLIES:
0Author 2Consumer 0Employee/Owner
Updates & Rebuttals

#1 Consumer Suggestion

Don't Let Them Get To You. Don't Talk To Them!

AUTHOR: S.n. - (U.S.A.)

You need to file a complaint with the FTC and NV and MI Attorney General's office. You can send this company a Cease & Desist letter to advise them not to contact you by phone, but if you do that, you need to send it certified mail, return receipt requested, so that you have proof that it was delivered. If you know who the original creditor was and how to reach them, write them a letter and advise them that they willingly sold an account that they knew had been discharged in bankruptcy and demand they recall the item from the collection agency. Send that letter certified mail, return receipt requested, as well. If you must use the phone to talk to anyone, get a recorder for your phone and if your state laws don't allow you to tape without other party's consent, tell them IMMEDIATELY that you are recording the call. Good luck.
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#2 Consumer Comment

Simple Solution

AUTHOR: Lauri - (U.S.A.)

Instead of getting all worked up, there is a simple solution.

You may not be aware, but if a creditor places your account with a collection agency, the agency has NO IDEA if you've filed bankruptcy or not!!

All you need to do is make some copies of you discharge sheet and your matrix of creditors. If an agency should call, ask for the mailing address or fax # and send them over a copy of the discharge notice. Quick and easy.


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