Consumer complaint received 2015-04-26
Company: First National Collection Bureau, Inc.
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
RE : CFPB Complaint # XXXX : Dear CFPB, I tried to dispute the Law Office of XXXX XXXX XXXX 's response regarding my complaint to your office online yesterday, but when I clicked on " submit, '' at the end of the CFPB dispute form, the computer froze, & I could not get the information to go through. 

Please tell the Chief Compliance Officer of the Law Office of XXXX XXXX XXXX that I am disputing his response to my complaint. XXXX of the corporate office ( of XXXX XXXX XXXX ) found my account number right away, at XXXX PDT on XXXX. The account number is : XXXX 

XXXX said, however, that XXXX XXXX XXXX does not handle debt release letters. XXXX then referred me to XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. told me, at XXXX PDT on XX/XX/XXXX, that my credit card debt had indeed been " repaid in full, in XX/XX/XXXX. '' XXXX XXXX XXXX XXXX. said they do not handle release letters either, though, and referred me to XXXX. I contacted XXXX, and was told they had merged with XXXX XXXX XXXX. I then contacted XXXX, in XXXX, CO, via email from their website, at XXXX PDT on XX/XX/XXXX, giving them my account number, and requesting a debt release letter. I also requested that they notify the credit reporting bureaus that my debt had been repaid in full. 

XXXX can be reached at:XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX CO XXXX. Their email address is : XXXXXXXXXXXX. 

I received an automated response back from XXXX XXXX XXXX, at XXXX XXXX on XX/XX/XXXX, saying they would get back to me " in 2-3 days. '' I never heard anything back from them. I noticed that the motto for XXXX was the same as that found on XXXX XXXX 's website, " Delivering the Fair Square Promise. " I am not contacting XXXX XXXX 's office via telephone again. XXXX at the corporate office was very nice and helpful, but unfortunately, some of their other employees are very difficult to deal with ; some of them are downright horrible, in fact. 

I was harassed, both at work and at home, by XXXX XXXX 's office in XX/XX/XXXX and XX/XX/XXXX. They threatened to garnish my wages if I did not comply with their request for immediate monthly payments. 

XXXX 's office even contacted my former husband, trying to get some of my personal information. My former spouse refused to give them any information. He told me later that day, " someone from the XXXX XXXX XXXX school of acting called for you today! " In my haste to get off my company phone and back to work, I made verbal payment arrangements of $ 100.00/month with XXXX 's office. Unfortunately, and very unwisely, I gave XXXX 's office my bank account number, so the payments could be deducted automatically from my account. 

XXXX 's office did not just take {$100.00} that XXXX month, however. They took {$360.00} out of my account on XX/XX/XXXX. They then took XXXX additional withdrawals out of my account, completely cleaning me out. ( I can get proof of all XXXX withdrawals. ) This, in turn, caused several checks to bounce, which caused hefty bank fees. 
My old credit card debt was actually repaid XXXX times over. 

My brother-in-law and I met with a bank officer in XX/XX/XXXX, and I filed a claim with the bank. It was denied, however, as the bank 's loss prevention dept. said that I had a " verbal agreement '' with XXXX 's office. 

I learned a very painful lesson in XX/XX/XXXX. I should have pursued legal action at the time against XXXX 's office, but life ended up getting in the way. I worked a lot of overtime at the office ; in addition, my mom became quite ill. 

Now, First Nat'l Collection Bureau and XXXX are both trying to collect on the same old credit card debt that I repaid in full to XXXX. I need CFPB 's advice and assistance. Thank you very much.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation