Report: #555580

Complaint Review: First National Collection Bureau, Inc.

  • Submitted: Sat, January 16, 2010
  • Updated: Wed, January 20, 2010
  • Reported By: Ron — Dunedin Florida United States of America
  • First National Collection Bureau, Inc.
    610 Waltham Way
    Sparks,, Nevada
    United States of America

First National Collection Bureau, Inc. Attempting to collect a settled debt. 610 Waltham Way, Nevada

*Consumer Comment: re:

*Author of original report: Not on Credit Report

Show customers why they should trust your business over your competitors...

I recieved a collection letter from these idiots from a Capital One card that was settled on out of court in 2004 or 2005. I have not had a Capital One card since 2002. It did not show up on my last credit report as of 10/2009.


It looks as though they are trying to collect the other half of my debt.

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This report was posted on Ripoff Report on 01/16/2010 02:52 PM and is a permanent record located here: http://www.ripoffreport.com/reports/first-national-collection-bureau-inc/sparks-nevada-89434/first-national-collection-bureau-inc-attempting-to-collect-a-settled-debt-610-waltham-555580. 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. Ripoff Report has an exclusive license to this report. It may not be copied without the written permission of Ripoff Report. READ: Foreign websites steal our content

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REBUTTALS & REPLIES:
1Author
1Consumer
0Employee/Owner

#1 Consumer Comment

re:

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

There is a statute of limitations for credit card debt, which is the amount of time that they can successfully take legal action against you for the debt. This time period varies for each state. You can find this time period for your state by going to the link below and looking under "Open Accounts."

http://www.creditinfocenter.com/rebuild/statuteLimitations.shtml

If the number of years since you defaulted on this account and stopped making payments on it is greater than the number listed for your state, then they can no longer defeat you in any court action because the debt is  time-barred and you dont have to pay it back.
====================
Stay off the phone:

Send them a letter via Certified Mail + Return Receipt (NOT regular mail) stating:

Per the Fair Debt Collection Practices Act, I am requesting written validation of this alleged debt, which includes:

- a copy of the  original signed contract with my signature. A typed letter showing an account number and balance due will not be accepted as validation.
- validation of the original "Date of Delinquency" for this alleged debt
- validation of the "Date of Last Activity" for this alleged debt
- validation that this alleged debt is within the statute of limitations.

Per the Fair Debt Collection Practices Act, cease all verbal communications with me about this alleged debt
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#2 Author of original report

Not on Credit Report

AUTHOR: Ron - (United States of America)

I checked my latest report and I does no show up there.

Is this a scam?

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