Consumer complaint received 2026-05-05 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Problem with customer service — 
Company: First National Collection Bureau, Inc.
State: AZ

Complaint narrative:
b"Today XXXX XXXX XXXX Beginning at XXXX MST this company knowingly and willingly contacted me from a SPAM Number XXXX four (4) times back to back.\n\nThis is a direct violation of the FDCPA \n 806. Harassment or abuse\nA debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section:\n\n(1) The use or threat of use of violence or other criminal means to harm the physical person, reputation, or property of any person.\n\n(2) The use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader.\n\n(3) The publication of a list of consumers who allegedly refuse to pay debts, except to a consumer reporting agency or to persons meeting the requirements of section 1681a(f) or 1681b(3)1 of this title.\n\n(4) The advertisement for sale of any debt to coerce payment of the debt.\n\n\n(5) Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number.\n\n(6) Except as provided in section 1692b of this title, the placement of telephone calls without meaningful disclosure of the caller's identity.\n\nThis was also a violation of the TCPA \n47 U.S. Code 227 - Restrictions on use of telephone equipment\nU.S. Code\nNotes\nAuthorities (CFR)\nprev | next\n(a)Definitions\nAs used in this section\n(1)The term automatic telephone dialing system means equipment which has the capacity\n(A)to store or produce telephone numbers to be called, using a random or sequential number generator; and\n(B)to dial such numbers.\n(2)The term established business relationship, for purposes only of subsection (b)(1)(C)(i), shall have the meaning given the term in section 64.1200 of title 47, Code of Federal Regulations, as in effect on XXXX XXXX XXXX except that\n(A)such term shall include a relationship between a person or entity and a business subscriber subject to the same terms applicable under such section to a relationship between a person or entity and a residential subscriber; and\n(B)an established business relationship shall be subject to any time limitation established pursuant to paragraph (2)(G)).[1]\n(3)The term telephone facsimile machine means equipment which has the capacity (A) to transcribe text or images, or both, from paper into an electronic signal and to transmit that signal over a regular telephone line, or (B) to transcribe text or images (or both) from an electronic signal received over a regular telephone line onto paper.\n(4)The term telephone solicitation means the initiation of a telephone call or message for the purpose of encouraging the purchase or rental of, or investment in, property, goods, or services, which is transmitted to any person, but such term does not include a call or message (A) to any person with that persons prior express invitation or permission, (B) to any person with whom the caller has an established business relationship, or (C) by a tax exempt nonprofit organization.\n(5)The term unsolicited advertisement means any material advertising the commercial availability or quality of any property, goods, or services which is transmitted to any person without that persons prior express invitation or permission, in writing or otherwise.\n(b)Restrictions on use of automated telephone equipment\n(1)Prohibitions\nIt shall be unlawful for any person within the United States, or any person outside the United States if the recipient is within the United States\n(A)to make any call (other than a call made for emergency purposes or made with the prior express consent of the called party) using any automatic telephone dialing system or an artificial or prerecorded voice\n(i)to any emergency telephone line (including any 911 line and any emergency line of a hospital, medical physician or service office, health care facility, poison control center, or fire protection or law enforcement agency);\n(ii)to the telephone line of any guest room or patient room of a hospital, health care facility, elderly home, or similar establishment; or\n(iii)to any telephone number assigned to a paging service, cellular telephone service, specialized mobile radio service, or other radio common carrier service, or any service for which the called party is charged for the call, unless such call is made solely to collect a debt owed to or guaranteed by the United States;\n(B)to initiate any telephone call to any residential telephone line using an artificial or prerecorded voice to deliver a message without the prior express consent of the called party, unless the call is initiated for emergency purposes, is made solely pursuant to the collection of a debt owed to or guaranteed by the United States, or is exempted by rule or order by the Commission under paragraph (2)(B);\n(C)to use any telephone facsimile machine, computer, or other device to send, to a telephone facsimile machine, an unsolicited advertisement, unless\n(i)the unsolicited advertisement is from a sender with an established business relationship with the recipient;\n(ii)the sender obtained the number of the telephone facsimile machine through\n(I)the voluntary communication of such number, within the context of such established business relationship, from the recipient of the unsolicited advertisement, or\n(II)a directory, advertisement, or site on the Internet to which the recipient voluntarily agreed to make available its facsimile number for public distribution,\nexcept that this clause shall not apply in the case of an unsolicited advertisement that is sent based on an established business relationship with the recipient that was in existence before XXXX XXXX XXXX, if the sender possessed the facsimile machine number of the recipient before XXXX XXXX XXXX; and\n(iii)the unsolicited advertisement contains a notice meeting the requirements under paragraph (2)(D),\nexcept that the exception under clauses (i) and (ii) shall not apply with respect to an unsolicited advertisement sent to a telephone facsimile machine by a sender to whom a request has been made not to send future unsolicited advertisements to such telephone facsimile machine that complies with the requirements under paragraph (2)(E); or\n(D)to use an automatic telephone dialing system in such a way that two or more telephone lines of a multi-line business are engaged simultaneously.\n(2)Regulations; exemptions and other provisions\nThe Commission shall prescribe regulations to implement the requirements of this subsection. In implementing the requirements of this subsection, the Commission\n(A)shall consider prescribing regulations to allow businesses to avoid receiving calls made using an artificial or prerecorded voice to which they have not given their prior express consent;\n(B)may, by rule or order, exempt from the requirements of paragraph (1)(B) of this subsection, subject to such conditions as the Commission may prescribe\n(i)calls that are not made for a commercial purpose; and\n(ii)such classes or categories of calls made for commercial purposes as the Commission determines\n(I)will not adversely affect the privacy rights that this section is intended to protect; and\n(II)do not include the transmission of any unsolicited advertisement;\n(C)may, by rule or order, exempt from the requirements of paragraph (1)(A)(iii) of this subsection calls to a telephone number assigned to a cellular telephone service that are not charged to the called party, subject to such conditions as the Commission may prescribe as necessary in the interest of the privacy rights this section is intended to protect;\n(D)shall provide that a notice contained in an unsolicited advertisement complies with the requirements under this subparagraph only if\n(i)the notice is clear and conspicuous and on the first page of the unsolicited advertisement;\n(ii)the notice states that the recipient may make a request to the sender of the unsolicited advertisement not to send any future unsolicited advertisements to a telephone facsimile machine or machines and that failure to comply, within the shortest reasonable time, as determined by the Commission, with such a request meeting the requirements under subparagraph (E) is unlawful;\n(iii)the notice sets forth the requirements for a request under subparagraph (E);\n(iv)the notice includes\n(I)a domestic contact telephone and facsimile machine number for the recipient to transmit such a request to the sender; and\n(II)a cost-free mechanism for a recipient to transmit a request pursuant to such notice to the sender of the unsolicited advertisement; the Commission shall by rule require the sender to provide such a mechanism and may, in the discretion of the Commission and subject to such conditions as the Commission may prescribe, exempt certain classes of small business senders, but only if the Commission determines that the costs to such class are unduly burdensome given the revenues generated by such small businesses;\n(v)the telephone and facsimile machine numbers and the cost-free mechanism set forth pursuant to clause (iv) permit an individual or business to make such a request at any time on any day of the week; and\n(vi)the notice complies with the requirements of subsection (d);\n(E)shall provide, by rule, that a request not to send future unsolicited advertisements to a telephone facsimile machine complies with the requirements under this subparagraph only if\n(i)the request identifies the telephone number or numbers of the telephone facsimile machine or machines to which the request relates;\n(ii)the request is made to the telephone or facsimile number of the sender of such an unsolicited advertisement provided pursuant to subparagraph (D)(iv) or by any other method of communication as determined by the Commission; and\n(iii)the person making the request has not, subsequent to such request, provided express invitation or permission to the sender, in writing or otherwise, to send such advertisements to such person at such telephone facsimile machine;\n(F)may, in the discretion of the Commission and subject to such conditions as the Commission may prescribe, allow professional or trade associations that are tax-exempt nonprofit organizations to send unsolicited advertisements to their members in furtherance of the associations tax-exempt purpose that do not contain the notice required by paragraph (1)(C)(iii), except that the Commission may take action under this subparagraph only\n(i)by regulation issued after public notice and opportunity for public comment; and\n(ii)if the Commission determines that such notice required by paragraph (1)(C)(iii) is not necessary to protect the ability of the members of such associations to stop such associations from sending any future unsolicited advertisements;\n(G)\n(i)may, consistent with clause (ii), limit the duration of the existence of an established business relationship, however, before establishing any such limits, the Commission shall\n(I)determine whether the existence of the exception under paragraph (1)(C) relating to an established business relationship has resulted in a significant number of complaints to the Commission regarding the sending of unsolicited advertisements to telephone facsimile machines;\n(II)determine whether a significant number of any such complaints involve unsolicited advertisements that were sent on the basis of an established business relationship that was longer in duration than the Commission believes is consistent with the reasonable expectations of consumers;\n(III)evaluate the costs to senders of demonstrating the existence of an established business relationship within a specified period of time and the benefits to recipients of establishing a limitation on such established business relationship; and\n(IV)determine whether with respect to small businesses, the costs would not be unduly burdensome; and\n(ii)may not commence a proceeding to determine whether to limit the duration of the existence of an established business relationship before the expiration of the 3-month period that begins on XXXX XXXX XXXX;\n(H)may restrict or limit the number and duration of calls made to a telephone number assigned to a cellular telephone service to collect a debt owed to or guaranteed by the United States; and\n(I)shall ensure that any exemption under subparagraph (B) or (C) contains requirements for calls made in reliance on the exemption with respect to\n(i)the classes of parties that may make such calls;\n(ii)the classes of parties that may be called; and\n(iii)the number of such calls that a calling party may make to a particular called party.\n(3)Private right of action\nA person or entity may, if otherwise permitted by the laws or rules of court of a State, bring in an appropriate court of that State\n(A)an action based on a violation of this subsection or the regulations prescribed under this subsection to enjoin such violation,\n(B)an action to recover for actual monetary loss from such a violation, or to receive $XXXX in damages for each such violation, whichever is greater, or\n(C)both such actions.\nIf the court finds that the defendant willfully or knowingly violated this subsection or the regulations prescribed under this subsection, the court may, in its discretion, increase the amount of the award to an amount equal to not more than 3 times the amount available under subparagraph (B) of this paragraph.\n(4)Civil forfeiture\n(A)In general\nAny person that is determined by the Commission, in accordance with paragraph (3) or (4) of section 503(b) of this title, to have violated this subsection shall be liable to the United States for a forfeiture penalty pursuant to section 503(b)(1) of this title. Paragraph (5) of section 503(b) of this title shall not apply in the case of a violation of this subsection. A forfeiture penalty under this subparagraph shall be in addition to any other penalty provided for by this chapter. The amount of the forfeiture penalty determined under this subparagraph shall be determined in accordance with subparagraphs (A) through (F) of section 503(b)(2) of this title.\n\n(B)Violation with intent\nAny person that is determined by the Commission, in accordance with paragraph (3) or (4) of section 503(b) of this title, to have violated this subsection with the intent to cause such violation shall be liable to the United States for a forfeiture penalty pursuant to section 503(b)(1) of this title. Paragraph (5) of section 503(b) of this title shall not apply in the case of a violation of this subsection. A forfeiture penalty under this subparagraph shall be in addition to any other penalty provided for by this chapter. The amount of the forfeiture penalty determined under this subparagraph shall be equal to an amount determined in accordance with subparagraphs (A) through (F) of section 503(b)(2) of this title plus an additional penalty not to exceed XXXX.\n\n(C)Recovery\nAny forfeiture penalty determined under subparagraph (A) or (B) shall be recoverable under section 504(a) of this title.\n\n(D)Procedure\nNo forfeiture liability shall be determined under subparagraph (A) or (B) against any person unless such person receives the notice required by section 503(b)(3) of this title or section 503(b)(4) of this title.\n\n(E)Statute of limitations\nNotwithstanding paragraph (6) of section 503(b) of this title, no forfeiture penalty shall be determined or imposed against any person\n(i)under subparagraph (A) if the violation charged occurred more than 1 year prior to the date of issuance of the required notice or notice of apparent liability; or\n(ii)under subparagraph (B) if the violation charged occurred more than 4 years prior to the date of issuance of the required notice or notice of apparent liability.\n(F)Rule of construction\nNotwithstanding any law to the contrary, the Commission may not determine or impose a forfeiture penalty on a person under both subparagraphs (A) and (B) based on the same conduct.\n\n(c)Protection of subscriber privacy rights\n(1)Rulemaking proceeding required\nWithin 120 days after XXXX XXXX XXXX, the Commission shall initiate a rulemaking proceeding concerning the need to protect residential telephone subscribers privacy rights to avoid receiving telephone solicitations to which they object. The proceeding shall\n(A)compare and evaluate alternative methods and procedures (including the use of electronic databases, telephone network technologies, special directory markings, industry-based or company-specific do not call systems, and any other alternatives, individually or in combination) for their effectiveness in protecting such privacy rights, and in terms of their cost and other advantages and disadvantages;\n(B)evaluate the categories of public and private entities that would have the capacity to establish and administer such methods and procedures;\n(C)consider whether different methods and procedures may apply for local telephone solicitations, such as local telephone solicitations of small businesses or holders of second class mail permits;\n(D)consider whether there is a need for additional Commission authority to further restrict telephone solicitations, including those calls exempted under subsection (a)(3) of this section, and, if such a finding is made and supported by the record, propose specific restrictions to the Congress; and\n(E)develop proposed regulations to implement the methods and procedures that the Commission determines are most effective and efficient to accomplish the purposes of this section.\n(2)Regulations\nNot later than 9 months after XXXX XXXX XXXX, the Commission shall conclude the rulemaking proceeding initiated under paragraph (1) and shall prescribe regulations to implement methods and procedures for protecting the privacy rights described in such paragraph in an efficient, effective, and economic manner and without the imposition of any additional charge to telephone subscribers.\n\n(3)Use of database permitted\nThe regulations required by paragraph (2) may require the establishment and operation of a single national database to compile a list of telephone numbers of residential subscribers who object to receiving telephone solicitations, and to make that compiled list and parts thereof available for purchase. If the Commission determines to require such a database, such regulations shall\n(A)specify a method by which the Commission will select an entity to administer such database;\n(B)require each common carrier providing telephone exchange service, in accordance with regulations prescribed by the Commission, to inform subscribers for telephone exchange service of the opportunity to provide notification, in accordance with regulations established under this paragraph, that such subscriber objects to receiving telephone solicitations;\n(C)specify the methods by which each telephone subscriber shall be informed, by the common carrier that provides local exchange service to that subscriber, of (i) the subscribers right to give or revoke a notification of an objection under subparagraph (A), and (ii) the methods by which such right may be exercised by the subscriber;\n(D)specify the methods by which such objections shall be collected and added to the database;\n(E)prohibit any residential subscriber from being charged for giving or revoking such notification or for being included in a database compiled under this section;\n(F)prohibit any person from making or transmitting a telephone solicitation to the telephone number of any subscriber included in such database;\n(G)specify (i) the methods by which any person desiring to make or transmit telephone solicitations will obtain access to the database, by area code or local exchange prefix, as required to avoid calling the telephone numbers of subscribers included in such database; and (ii) the costs to be recovered from such persons;\n(H)specify the methods for recovering, from persons accessing such database, the costs involved in identifying, collecting, updating, disseminating, and selling, and other activities relating to, the operations of the database that are incurred by the entities carrying out those activities;\n(I)specify the frequency with which such database will be updated and specify the method by which such updating will take effect for purposes of compliance with the regulations prescribed under this subsection;\n(J)be designed to enable States to use the database mechanism selected by the Commission for purposes of administering or enforcing State law;\n(K)prohibit the use of such database for any purpose other than compliance with the requirements of this section and any such State law and specify methods for protection of the privacy rights of persons whose numbers are included in such database; and\n(L)require each common carrier providing services to any person for the purpose of making telephone solicitations to notify such person of the requirements of this section and the regulations thereunder.\n(4)Considerations required for use of database method\nIf the Commission determines to require the database mechanism described in paragraph (3), the Commission shall\n(A)in developing procedures for gaining access to the database, consider the different needs of telemarketers conducting business on a national, regional, State, or local level;\n(B)develop a fee schedule or price structure for recouping the cost of such database that recognizes such differences and\n(i)reflect the relative costs of providing a national, regional, State, or local list of phone numbers of subscribers who object to receiving telephone solicitations;\n(ii)reflect the relative costs of providing such lists on paper or electronic media; and\n(iii)not place an unreasonable financial burden on small businesses; and\n(C)consider (i) whether the needs of telemarketers operating on a local basis could be met through special markings of area white pages directories, and (ii) if such directories are needed as an adjunct to database lists prepared by area code and local exchange prefix.\n(5)Private right of action\nA person who has received more than one telephone call within any 12-month period by or on behalf of the same entity in violation of the regulations prescribed under this subsection may, if otherwise permitted by the laws or rules of court of a State bring in an appropriate court of that State\n(A)an action based on a violation of the regulations prescribed under this subsection to enjoin such violation,\n(B)an action to recover for actual monetary loss from such a violation, or to receive up to $XXXX in damages for each such violation, whichever is greater, or\n(C)both such actions.\nIt shall be an affirmative defense in any action brought under this paragraph that the defendant has established and implemented, with due care, reasonable practices and procedures to effectively prevent telephone solicitations in violation of the regulations prescribed under this subsection. If the court finds that the defendant willfully or knowingly violated the regulations prescribed under this subsection, the court may, in its discretion, increase the amount of the award to an amount equal to not more than 3 times the amount available under subparagraph (B) of this paragraph.\n(6)Relation to subsection (b)\nThe provisions of this subsection shall not be construed to permit a communication prohibited by subsection (b).\n\n(d)Technical and procedural standards\n(1)Prohibition\nIt shall be unlawful for any person within the United States\n(A)to initiate any communication using a telephone facsimile machine, or to make any telephone call using any automatic telephone dialing system, that does not comply with the technical and procedural standards prescribed under this subsection, or to use any telephone facsimile machine or automatic telephone dialing system in a manner that does not comply with such standards; or\n(B)to use a computer or other electronic device to send any message via a telephone facsimile machine unless such person clearly marks, in a margin at the top or bottom of each transmitted page of the message or on the first page of the transmission, the date and time it is sent and an identification of the business, other entity, or individual sending the message and the telephone number of the sending machine or of such business, other entity, or individual.\n(2)Telephone facsimile machines\nThe Commission shall revise the regulations setting technical and procedural standards for telephone facsimile machines to require that any such machine which is manufactured after one year after XXXX XXXX XXXX, clearly marks, in a margin at the top or bottom of each transmitted page or on the first page of each transmission, the date and time sent, an identification of the business, other entity, or individual sending the message, and the telephone number of the sending machine or of such business, other entity, or individual.\n\n(3)Artificial or prerecorded voice systems\nThe Commission shall prescribe technical and procedural standards for systems that are used to transmit any artificial or prerecorded voice message via telephone. Such standards shall require that\n(A)all artificial or prerecorded telephone messages (i) shall, at the beginning of the message, state clearly the identity of the business, individual, or other entity initiating the call, and (ii) shall, during or after the message, state clearly the telephone number or address of such business, other entity, or individual; and\n(B)any such system will automatically release the called partys line within 5 seconds of the time notification is transmitted to the system that the called party has hung up, to allow the called partys line to be used to make or receive other calls.\n(e)Prohibition on provision of misleading or inaccurate caller identification information\n(1)In general\nIt shall be unlawful for any person within the United States, or any person outside the United States if the recipient is within the United States, in connection with any voice service or text messaging service, to cause any caller identification service to knowingly transmit misleading or inaccurate caller identification information with the intent to defraud, cause harm, or wrongfully obtain anything of value, unless such transmission is exempted pursuant to paragraph (3)(B).\n\n(2)Protection for blocking caller identification information\nNothing in this subsection may be construed to prevent or restrict any person from blocking the capability of any caller identification service to transmit caller identification information.\n\n(3)Regulations\n(A)In general\nThe Commission shall prescribe regulations to implement this subsection.\n\n(B)Content of regulations\n(i)In general\nThe regulations required under subparagraph (A) shall include such exemptions from the prohibition under paragraph (1) as the Commission determines is appropriate.\n\n(ii)Specific exemption for law enforcement agencies or court orders\nThe regulations required under subparagraph (A) shall exempt from the prohibition under paragraph (1) transmissions in connection with\n(I)any authorized activity of a law enforcement agency; or\n(II)a court order that specifically authorizes the use of caller identification manipulation.\n(4)Repealed. Pub. L. 115141, div. P, title IV, 402(i)(3), XXXX XXXX XXXX, 132 Stat. 1089\n(5)Penalties\n(A)Civil forfeiture\n(i)In general\nAny person that is determined by the Commission, in accordance with paragraphs (3) and (4) of section 503(b) of this title, to have violated this subsection shall be liable to the United States for a forfeiture penalty. A forfeiture penalty under this paragraph shall be in addition to any other penalty provided for by this chapter. The amount of the forfeiture penalty determined under this paragraph shall not exceed $XXXX for each violation, or 3 times that amount for each day of a continuing violation, except that the amount assessed for any continuing violation shall not exceed a total of $XXXX for any single act or failure to act.\n\n(ii)Recovery\nAny forfeiture penalty determined under clause (i) shall be recoverable pursuant to section 504(a) of this title. Paragraph (5) of section 503(b) of this title shall not apply in the case of a violation of this subsection.\n\n(iii)Procedure\nNo forfeiture liability shall be determined under clause (i) against any person unless such person receives the notice required by section 503(b)(3) of this title or section 503(b)(4) of this title.\n\n(iv)4-year statute of limitations\nNo forfeiture penalty shall be determined or imposed against any person under clause (i) if the violation charged occurred more than 4 years prior to the date of issuance of the required notice or notice or apparent liability.\n\n(B)Criminal fine\nAny person who willfully and knowingly violates this subsection shall upon conviction thereof be fined not more than $XXXX for each violation, or 3 times that amount for each day of a continuing violation, in lieu of the fine provided by section 501 of this title for such a violation. This subparagraph does not supersede the provisions of section 501 of this title relating to imprisonment or the imposition of a penalty of both fine and imprisonment.\n\n(6)Enforcement by States\n(A)In general\nThe chief legal officer of a State, or any other State officer authorized by law to bring actions on behalf of the residents of a State, may bring a civil action, as parens patriae, on behalf of the residents of that State in an appropriate district court of the United States to enforce this subsection or to impose the civil penalties for violation of this subsection, whenever the chief legal officer or other State officer has reason to believe that the interests of the residents of the State have been or are being threatened or adversely affected by a violation of this subsection or a regulation under this subsection.\n\n(B)Notice\nThe chief legal officer or other State officer shall serve written notice on the Commission of any civil action under subparagraph (A) prior to initiating such civil action. The notice shall include a copy of the complaint to be filed to initiate such civil action, except that if it is not feasible for the State to provide such prior notice, the State shall provide such notice immediately upon instituting such civil action.\n\n(C)Authority to intervene\nUpon receiving the notice required by subparagraph (B), the Commission shall have the right\n(i)to intervene in the action;\n(ii)upon so intervening, to be heard on all matters arising therein; and\n(iii)to file petitions for appeal.\n(D)Construction\nFor purposes of bringing any civil action under subparagraph (A), nothing in this paragraph shall prevent the chief legal officer or other State officer from exercising the powers conferred on that officer by the laws of such State to conduct investigations or to administer oaths or affirmations or to compel the attendance of witnesses or the production of documentary and other evidence.\n\n(E)Venue; service or process\n(i)Venue\nAn action brought under subparagraph (A) shall be brought in a district court of the United States that meets applicable requirements relating to venue under section 1391 of title 28."

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