Consumer complaint received 2024-09-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FIRST NATIONAL BANK OF OMAHA
State: MI

Complaint narrative:
We have made multiple attempts to verify that XXXX XXXX is a signer on this account and responsible for this debt. The creditor continues to report this debt as a delinquency without providing proof, which has been requested multiple times, and is a direct violation of the Fair Debt Collection Practices Act ( FDCPA ). 

Please see the attached correspondence from our attorney requesting this information in 2021, which to date has still not been provided. 

We request this delinquency be removed immediately. This is our final attempt before pursing legal action on this matter. 


CREDITOR/DEBT COLLECTOR DECLARATION Please provide all the following information and submit the appropriate forms and paperwork within 30 days from the date of your receipt of this debt validation request. 
Name and Address of Alleged Creditor : ______________________________________________________ Name on File of Alleged Debtor : _____________________________________________________________ Alleged Account # : _____________________________________________________________ Address on File for Alleged Debtor : ____________________________________________________________ Amount of debt : _____________________________________________________________ Date that this debt became payable : _____________________________________________________ Date of original charge off or delinquency : ___________________________________________________ Was this debt assigned to a debt collector or purchased? 
____________________________________________ Amount paid if the debt was purchased : ___________________________________________________________ Commission for debt collector if collection efforts are successful : ____________________________________ Please attach a copy of the agreement with your client that grants ( Collection Agency Name ) the authority to collect this alleged debt.

Also, please attach a copy of any signed agreement debtor has made with the debt collector or other verifiable proof debtor has a contractual obligation to pay the debt collector. 
Please attach a copy of any agreement that bears the debtors signature, wherein they agreed to pay the creditor. 
Please attach copies of all statements while this account was open. 
Have any insurance claims been made by any creditor regarding this account?

YES or NO ( circle one ) Have any judgments been obtained by any creditor regarding this account?

YES or NO ( circle one ) Please provide the name and address of the bonding agent for { Name Of Debt Collector }, in case legal action becomes necessary : ______________________________ ______________________________ ______________________________ Authorized Signature For Creditor ______________________________ Date You must return this completed form along with copies of all requested information, assignments, or other transfer agreements, which would establish your right to collect this alleged debt within 30 days from the date of this letter. 
Your claim can not and WILL NOT be considered if any portion of this form is not completed and returned with copies of all requested documents. This is a request for debt validation made pursuant to the FDCPA. Please allow 30 days for processing after I receive this information back.

Company response to consumer: Closed with explanation