Consumer complaint received 2026-02-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First National Collection Bureau, Inc.
State: VA

Complaint narrative:
First National Collection Bureau , Inc. Reference # XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX I never used this card. 
THERE IS NO SIGNED CONTRACT. THIS IS NOT MY ACCOUNT. 
NO SIGNED AGGREMENT TO INTRESS RATES. 
I have no knowledge of this account or any contract. 
I did not agree to interest rates or service charges or anything. 
This account is not mine. 
You did not provide the original contract or its terms. 
ALL Proof of purchase is missing. 
Ownership of the debt has not been demonstrated. 


YOU HAVE VIOLATED VIRGINIA LAWS AND FEDERAL LAWS AGINST ME.

15 USC 1692f. Unfair practices : A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( XXXX ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law. 
15 USC 1692e. False or misleading representations : A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( XXXX ) The false representation of- ( A ) the character, amount, or legal status of any debt; or ( B ) any services rendered or compensation which may be lawfully received by any debt collector for the collection of a debt. 
( XXXX ) The use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer. 
( XXXX ) The false representation or implication that accounts have been turned over to innocent purchasers for value. 

I have no knowledge of This account I never used cards or accounts. 
I never signed agreement to interest rates. 
The accounts belong to another person and not me. 

LISTED BELOW ARE THE ACCOUNT THAT DO NOT BELONG TO ME. 
Account XXXX : XXXX XXXX Debt Description : XXXX  XXXX  Original Creditor 's Account # : XXXX XXXX XXXX XXXX Balance Due : {$620.00} XXXX. Lack of enforceable agreement. You Failed to Prove the Original contract, Terms and Conditions or Proof of Purchases. The original document was not produced. I deny that there existed an agreement between the parties. 
XXXX  Court Rules : Rule 7B:5. Production of Written Agreement. When a suit is brought on a written contract, note or other instrument, the original document must be tendered to the court for entry of judgment thereon unless the production of the original is excused by the court for good cause or by statute. 
Rule 2:1002 REQUIREMENT OF PRODUCTION OF ORIGINAL To prove the content of writing, the original writing is required, except as otherwise provided in these Rules, other Rules of the Supreme Court of XXXX, or in a XXXX  statute. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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