First National Collection Bureau, Inc. (FNCB) is an accounts receivable management firm headquartered in Reno, Nevada. Its letters and calls concern consumer accounts that creditors have placed with it for collection.
- Type
- Collection agency
- Also known as
- First National Collection Bureau, Inc.; FNCB; FNCBNV
- Headquarters
- Reno, NV
- Phone numbers it lists
- (800) 824-6191
- Website
- fncbinc.com
166 debt collection complaints were sent to the Consumer Financial Protection Bureau about First National Collection Bureau, Inc. from November 13, 2023 to November 12, 2026. A complaint is a consumer's account, not a finding that the company broke the law. Read the complaints in the CFPB database.
Who Is First National Collection Bureau?
First National Collection Bureau, Inc., which also appears as FNCB or FNCBNV, describes itself as a nationally licensed, full-service accounts receivable management firm and says it has worked with consumers for more than 35 years. Its website gives its address as 50 West Liberty Street, Suite 250, Reno, Nevada 89501, and lists NMLS number 934310 and Nevada collection agency license CAD11256. It also lists memberships in ACA International and RMAI.
Consumers can call FNCB at (800) 824-6191 with questions or to pay by phone; TTY users can dial 711, and the company notes that Spanish is spoken. We did not find a CFPB enforcement action against First National Collection Bureau.
Why First National Collection Bureau May Be Contacting You
FNCB's website does not name its clients or the types of accounts it works, so the letter itself is your best guide. It should identify the creditor that placed the account. Don't confuse FNCB with a bank that has "First National" in its name: FNCB is a collection agency, not a lender, and it is contacting you about someone else's account.
Its home page lists a long run of phone numbers without labels. If a call comes from an unfamiliar number claiming to be FNCB, hang up and call the toll-free number published on its website to confirm.
How to Check a Debt First National Collection Bureau Says You Owe
- Identify the account. The validation notice must name the creditor to whom the debt is owed, give an account number and itemize the balance since a reference date (15 U.S.C. § 1692g; 12 C.F.R. § 1006.34).
- Dispute in writing within the validation period. If you don't recognize the creditor, say so and ask for the original creditor's name and address. FNCB must stop collecting until it responds.
- Ask about ownership. Find out whether the creditor named in the letter is the original lender or a company that bought the account.
- Check the numbers. Compare the itemized balance with your last statement from the original creditor.
- Consider the statute of limitations. Texas generally gives four years to sue on a consumer debt (Tex. Civ. Prac. & Rem. Code § 16.004), and debt buyers may not sue on time-barred consumer debt (Tex. Fin. Code § 392.307). Other states' periods are different.
What First National Collection Bureau Can and Can't Do
An agency that regularly collects consumer debts owed to others is a "debt collector" under 15 U.S.C. § 1692a(6).
- Seven calls within seven days about one account is the point at which harassment is presumed (12 C.F.R. § 1006.14(b)(2)). See how many times can a debt collector call me?
- It may not falsely suggest it is affiliated with or vouched for by the United States or any state (15 U.S.C. § 1692e(1)).
- It must stop calling your workplace if it knows your employer prohibits those calls (15 U.S.C. § 1692c(a)(3)).
- It may not threaten a lawsuit on a debt that is too old to sue on (12 C.F.R. § 1006.26(b)).
Visit our FDCPA attorneys page if you have questions about a collector's conduct.
We Sue Debt Collectors That Break the FDCPA
Texas Debt Law files Fair Debt Collection Practices Act lawsuits against debt collectors in federal court for consumers in Texas, California, Illinois, Georgia and Colorado. If First National Collection Bureau or anyone collecting for it harassed you, misstated what you owe, threatened action it could not take, or told others about your debt, you may have a claim. A court can order a collector that violated the FDCPA to pay your actual damages, up to $1,000 in additional statutory damages, and your attorney's fees and costs (15 U.S.C. § 1692k(a)). An FDCPA claim generally must be filed within one year of the violation (§ 1692k(d)), so keep your letters, call logs, voicemails and screenshots, and talk to us early. Texas residents may also have claims under the Texas Debt Collection Act. Learn more from our FDCPA attorneys.
Free FDCPA Case Review(214) 851-2250
Or start your free case evaluation online. No lawyer can promise a result; every claim depends on its facts and proof.
Sources
- First National Collection Bureau: home page
- CFPB enforcement actions search
- CFPB Consumer Complaint Database: First National Collection Bureau, Inc., debt collection
This profile is general information compiled from public sources, not legal advice, and it does not state or imply that First National Collection Bureau has violated any law. Company details change; tell us if something here is out of date.