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Newport News (FCNB Bank) Complaint - Credit Card

Review by frustrating on 2008-04-03
SACRAMENTO, CALIFORNIA -- Another customer is being harassed by FCNB credit card company. I paid my card off in late 05 and just today I received a phone call by Midland Credit Management Company stating that they were calling to collect a debt...

After speaking with them for a few moments, I used Google and did a search engine on them and found that there is more than 318 complaints with them regarding trying to collect on debt that is already paid in full.

I wish someone could start a class action law suit with this company.
Comments:2 Replies - Latest reply on 2008-04-03
Posted by tnchuck100 on 2008-04-03:
First, you probably cannot afford to start a class action law suit. Class action law suits require a lot of time and money to execute. Besides, only the attorneys make any money.

What you can do is send them a certified/return receipt requested letter demanding 1) They contact you only by mail, and 2) proof of the debt, including a signed document creating the debt and a payment history. Also, do not give them any personal information on the phone. They must prove you owe the debt. You do not have to prove you don't.

Most likely they will go away at that point.
Posted by Anonymous on 2008-04-03:
tnchuck100 is giving good advice.

I would add that the poster's 'debt' was probably an erroneous entry that was purchased by a third party collector for pennies on the dollar. Some of the true bottom feeders will simply create 'past due accounts' and try to collect on them. They know that 1 out of 100 such collections will get paid, simply to get rid of the collector. Why? Because the technique works.

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