Report: #713744

Complaint Review: First National Collection

  • Submitted: Mon, April 04, 2011
  • Updated: Mon, April 04, 2011
  • Reported By: baileyd3 — williston Florida United States of America
  • First National Collection
    610 waltham way
    Sparks, Nevada
    United States of America

First National Collection Dell Financial Services, Asset Acceptance llc You owe 2392.00 will settle for 6 payments 159.49. BE REAL IF IT WAS A REAL DEBT YOU'D WANT MORE Sparks , Nevada

*Consumer Comment: FYI

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

I received a debt collection letter from First National Collection saying I owed 2392.00 for a computer purchased from Dell Financial Services. Yes I own 3 Dells but they were bought at pawn shops for 250.00 or family friends for 150.00. Never have I bought a computer on credit or at full price. Of course the usual is they will settle for 60% off and 6 EASY payments of 159.49. Little do these fools know I am a single mom with 2 kids that can't afford that or the original 2300.00. I am going to send the reply to their letter to the address supplied as long as a copy of a link to this page so they can see people are on to them. I will also send them a link to a video I have on You Tube where I was on the news exposing another scam similar to this.
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This report was posted on Ripoff Report on 04/04/2011 02:47 PM and is a permanent record located here: 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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#1 Consumer Comment


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

Debt collectors often have trouble locating debtors, so they start harassing the first person they can find with a similar name, address or phone #....esp. with cell phone #'s.
- How to stop collection agency harassment for a debt that is not yours:  Send/fax the collection agency a letter via Certified Mail + Return Receipt (do NOT use regular mail) stating:

Per the Fair Debt Collection Practices Act, cease all communications with me and stop all phone calls to [insert your phone #]. You have the wrong person and this is not my debt. Receipt of this letter is officially being time stamped via Certified Mail.

If they keep calling, read the following statement to them:  
- Be advised that this call is being recorded. If you do not consent to being recorded, you need to terminate this call. Continuation of this phone call after officially being informed that it is being recorded implies consent to be recorded. This recording will be used to pursue Fair Debt Collection Practice Act violations in a court of law.
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