Who Called From 775-829-3790?
Short answer: 775-829-3790 is a number used by First National Collection Bureau (FNCB), a third-party collection agency based in Reno, NV — documented consumer line (money.com/debt-collector-directory structured directory data). They are almost certainly trying to collect a debt, most often credit card debt. You are not required to answer or say anything — and you have the right to demand written proof before you pay a cent.
Whose Number Is 775-829-3790?
The number 775-829-3790 is used by First National Collection Bureau (documented consumer line (money.com/debt-collector-directory structured directory data)), a third-party collection agency in Reno, NV. For the full company profile — ownership, history, and known aliases — see our complete First National Collection Bureau guide. This page focuses on the calls coming from 775-829-3790 specifically.
About this specific number
- 📞 Number: 775-829-3790 (area code 775, ending in 3790)
- 📍 Line type: Direct-dial — resolves to Reno, Nevada.
- 🏢 Operator: First National Collection Bureau, a third-party collection agency in Reno, NV.
- 🔢 Related lines: First National Collection Bureau is documented using 3 numbers in our directory, so calls may also come from other digits.
775-829-3790 is a direct-dial number tied to Reno, Nevada, which is why the call may have appeared "local" on your caller ID even though First National Collection Bureau operates out of Reno, NV.
Consumers frequently search "775-829-3790" the moment it rings. If you found this page that way, the safest next move is to say nothing by phone and demand First National Collection Bureau put everything in writing.
On your caller ID, in voicemails, or in letters, this company can also appear as: FNCB, First National Collection.
Why Is FNCB Calling Me From 775-829-3790?
In our directory, 775-829-3790 is tracked as a documented consumer line (money.com/debt-collector-directory structured directory data) for First National Collection Bureau, which typically collects credit card debt, payday loans, telecom. A call from 775-829-3790 usually happens because:
- ✅ An original account (a credit card debt, for example) went unpaid and was charged off by the creditor.
- ✅ The account was placed with First National Collection Bureau to collect on behalf of the original creditor.
- ✅ First National Collection Bureau is now dialing you from 775-829-3790 and possibly other lines to reach a resolution.
Calls from 775-829-3790 often come at the start and end of the business day. Reports around 775-829-3790 often describe repeated daily calls. If First National Collection Bureau is calling you more than seven times in a week about a single debt, that pattern alone may cross into harassment. Some consumers only notice 775-829-3790 after it has called dozens of times. You can send First National Collection Bureau a written request to communicate by mail only — that alone can quiet the phone while you investigate. Either way, the burden is on First National Collection Bureau to document the debt behind 775-829-3790.
Important: a phone call — even from a real number like 775-829-3790 — does not prove you owe the debt, that the amount is correct, or that First National Collection Bureau can legally collect it. That is exactly why your validation rights matter.
What NOT to Say If You Answer 775-829-3790
Anything you say to FNCB can be used to collect. Protect yourself — avoid these common mistakes on the call.
Don't admit the debt is yours
When 775-829-3790 calls, saying "yes, that's mine" or apologizing can be treated as acknowledging the debt — which may reset the statute of limitations. Neither confirm nor deny until you've seen written validation from First National Collection Bureau.
Don't agree to a payment on the spot
A single payment to First National Collection Bureau — even a small "good-faith" one — can restart the clock on an old debt and make it collectable again. Never authorize a payment over a call from 775-829-3790.
Don't give bank or card details
Do not read out your bank account, debit, or credit card number to anyone calling from 775-829-3790. Any legitimate First National Collection Bureau resolution can be handled in writing after validation.
Don't confirm personal information
Avoid confirming your SSN, date of birth, employer, or address to the 775-829-3790 caller. If it truly is your First National Collection Bureau account, they should already have what they need and must prove it.
What To Do If 775-829-3790 Keeps Calling
Here are concrete next steps for this specific First National Collection Bureau line. Work through them in order — each one strengthens your position before you ever discuss the debt.
- 1
Pull your Equifax, Experian, and TransUnion reports to see whether the First National Collection Bureau account tied to 775-829-3790 is actually being reported.
- 2
Ask, in writing, that First National Collection Bureau identify the original creditor behind the 775-829-3790 calls and the date the debt was opened.
- 3
If you believe the 775-829-3790 debt is not yours, dispute it in writing and request that First National Collection Bureau cease reporting until it is verified.
Your Rights When FNCB Calls From 775-829-3790
The Fair Debt Collection Practices Act (FDCPA) and Fair Credit Reporting Act (FCRA) give you real leverage. Here is the debt-validation playbook we use at Crowned Credit.
1. Demand Debt Validation (FDCPA §809)
Within 30 days of first contact, send FNCB a written debt-validation letter. They must prove the debt is yours, the amount is right, and they have the legal authority to collect — or stop collecting.
2. Dispute With the Bureaus (FCRA §611)
If First National Collection Bureau reported a tradeline, dispute it with Equifax, Experian, and TransUnion. They have 30 days to investigate; unverifiable items must be corrected or deleted.
3. Log the Calls
Write down every call from 775-829-3790: date, time, and what was said. Repeated calls, calls at odd hours, or threats can be FDCPA violations — and leverage for you.
4. Send a Cease-and-Desist
You can demand in writing that First National Collection Bureau stop calling you entirely. The calls must stop, even though they may still report or pursue other legal steps.
5. Check the Statute of Limitations
Every state limits how long a collector can sue on a debt. If the debt is time-barred, FNCB generally cannot win a lawsuit — and a payment could dangerously restart that clock.
6. Know the Anti-Harassment Rules
The FDCPA bars FNCB from calling before 8am or after 9pm, threatening you, or lying about the debt. Each violation may entitle you to statutory damages.
How Crowned Credit Helps With Calls From 775-829-3790
We investigate the specific First National Collection Bureau account behind the calls, assert every applicable right, and work it with all three bureaus and the collector directly — no cookie-cutter form letters.
Review & Validate
We pull all three bureau reports, find every error tied to the FNCB account, and demand full debt validation.
Dispute & Escalate
Hand-packed disputes go to the bureaus and to First National Collection Bureau. When they fail to investigate properly, we escalate to the CFPB and, where warranted, attorneys.
Track & Build
We monitor the outcome and coach you on rebuilding once inaccurate items are addressed. Results vary by profile.
Or call us directly at 336-310-0090. Results vary based on your individual credit profile.
775-829-3790 — Frequently Asked Questions
Who is calling me from 775-829-3790?
775-829-3790 is a direct-dial line associated with First National Collection Bureau (also seen as FNCB), a third-party collection agency headquartered in Reno, NV and operating since 1995. The number resolves to Reno, Nevada. If you received a call from 775-829-3790 — often showing the last four digits 3790 on your screen — it is very likely First National Collection Bureau attempting to reach you about a debt they say you owe, most often credit card debt, payday loans, telecom.
Is 775-829-3790 a scam number?
First National Collection Bureau is a real, registered company, and 775-829-3790 is a documented line tied to it. That said, scammers do "spoof" the caller ID of well-known collectors like FNCB, so the number showing on your screen is not proof of anything. Never give payment or personal information based on a phone call alone. Ask for the caller's name, company, and a written validation notice before you discuss any debt.
Do I have to answer or call back 775-829-3790?
You are not legally required to answer 775-829-3790 or call First National Collection Bureau back. In fact, it is usually smarter to say nothing on the phone and instead demand everything in writing. Under the FDCPA, once you send a written debt-validation request, First National Collection Bureau must pause collection until it mails you proof of the debt.
Why is First National Collection Bureau calling me about credit card debt?
A call from 775-829-3790 usually means an original credit card debt went unpaid and was placed with First National Collection Bureau, which dials this line to collect on the original creditor's behalf. The account may have aged or changed hands more than once, so demand the full paper trail before you accept the balance as accurate.
Can I stop First National Collection Bureau from calling 775-829-3790?
Yes. The FDCPA lets you send a written cease-and-desist demand telling First National Collection Bureau to stop contacting you by phone. They can still report to the bureaus or pursue other legal steps, but the calls from 775-829-3790 and any related lines must stop. This is a useful way to end harassment while you build your dispute.
Should I pay the debt First National Collection Bureau is calling about?
Do not pay anything based on a call from 775-829-3790 until the debt is validated. Once you confirm the debt is yours, accurate, and still within your state's statute of limitations, you can consider a written pay-for-delete arrangement. Paying an unverified or time-barred debt can restart the clock and lock in a negative mark. Get a free assessment first.
More About First National Collection Bureau
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