Consumer complaint received 2025-12-08 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — Frequent or repeated messages
Company: First National Collection Bureau, Inc.
State: GA

Complaint narrative:
On XX/XX/year> I received an unsolicited text message from a company claiming to be First National Collection Bureau ( FNCBNV ), a purported debt collector, using phone number XXXX and the website XXXX The message stated that it was a debt collection attempt and included a reference number, but did not include the original creditor, the amount of the debt, or any verification or validation of the debt. I do not recognize this debt and have never received prior written notice or documentation regarding this alleged obligation.

I believe this communication violates multiple federal laws governing debt collection, including but not limited to the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692 et seq. ) and potentially the
Telephone Consumer Protection Act ( TCPA, 47 U.S.C. 227 ). Specifically, the alleged violations include : 1. Harassment or abuse ( FDCPA 806, 15 U.S.C. 1692d ) Attempting to collect a debt using threatening or intimidating language ( any info obtained will be used for that purpose ) without proper context or validation.

Using repeated or unsolicited electronic messages to pressure payment. 
2. Failure to provide proper debt validation ( FDCPA 809, 15 U.S.C. 1692g ) No notice of the amount owed, original creditor, or my right to dispute the debt was provided in the initial communication.

Attempted collection prior to sending a written validation notice is a violation of the FDCPA.

3. False or misleading representations ( FDCPA 807, 15 U.S.C. 1692e ) Misrepresenting the character, amount, or legal status of the alleged debt.

Implying legitimacy of debt collection and authority to collect without verification. 
Using a website XXXX XXXX XXXX that is not officially verified to accept payments. 
4. Unfair practices ( FDCPA 808, 15 U.S.C. 1692f ) Demanding payment without providing legally required documentation.

Using a third-party website to induce payment without proper validation.

5. Electronic communication violations ( TCPA, 47 U.S.C. 227 ) Sending unsolicited text messages to my mobile device without prior consent may constitute a violation of the TCPA.

6. Potential deceptive or aggressive practices Text implies urgency and possible adverse consequences without validation.

Using vague threats ( any info obtained will be used ) to coerce payment may constitute intimidation under FDCPA.

Cease and Desist Demand : I hereby demand that FNCBNV immediately cease and desist all communication with me regarding this alleged debt except via written correspondence sent to my address. Any further phone calls, text messages, or electronic communications without proper debt validation will constitute a continuation of illegal harassment and violation of federal law.

Relief Requested : I request that CFPB investigate this matter and take action against FNCBNV for : Illegal collection attempts without proper validation.

Harassment and abusive practices.

False, misleading, and unfair representations.

Violation of consumer protection laws ( FDCPA and TCPA ).

I also request that CFPB compel FNCBNV to provide full debt validation in writing and to immediately stop contacting me until such validation is provided.

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