Complaints

This profile includes complaints for Gulf Coast Collection Bureau, Inc.'s headquarters and its corporate-owned locations. To view all corporate locations, see Find Local Branches.

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  Gulf Coast Collection Bureau, Inc.

  7560 Commerce Ct Sarasota, FL 34243-3217

  
• 

  Gulf Coast Collection Bureau, Inc.

  PO Box 21239 Sarasota, FL 34276-4239

  

The complaint text that is displayed might not represent all complaints filed with BBB. Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business.

• Initial Complaint

  Date:06/06/2025

  Type:Order Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  This company is aggressively spamming our business phone number with unsolicited text messages, claiming to be a debt collector for Baycare Behavioral Health. These messages include links soliciting personal information. Despite multiple requests for clarification, the company has not provided any details and continues to spam our line.After finally responding to our request to cease contact, the company escalated its tactics by making phone calls outside of regular business hours. When our assistant returned their call and asked if they had contacted our number, the agent confirmed that they had, but then immediately ended the call. This behavior was repeated with subsequent attempts - calls are simply being disconnected as we seek legitimate answers for these intrusive contacts.Most disturbingly, their messages appear to disclose sensitive personal and patient information. Specifically, the text messages include the name of a patient - a name which is highly unique - clearly identifying this individual as a patient at Baycare Behavioral Health and revealing that the person in question has behavioral health issues. The information also allows us to narrow down the individuals location to specific cities in ******* - ****************, **********, or *****. Combining such a distinctive name with these locations makes it alarmingly simple to identify the individual.This is a serious violation of privacy and raises significant concerns regarding breaches of Personally Identifiable Information (PII) and patient confidentiality as protected under data protection laws and regulations. We are strongly considering contacting ******* Behavioral Health directly to alert them to these practices, request clarification, and ensure that the impacted patient is informed so that they may pursue appropriate complaints or legal action.These actions are not only unethical but may also be unlawful. Immediate attention and corrective action are warranted.

  

  Business Response

  Date: 06/15/2025

  We have received the complaint regarding this account and have investigated the allegations therein.

  With regard to calling the wrong number, we have reviewed with our client and confirmed that this is the number that was provided by the consumer for whom this account is associated.  Nevertheless, based on the complaint we have removed the number from our system and prevented it to be called or texted from our system in the future.

  Regarding the complaint regarding calling again after requesting cease communication, we did receive the request to stop calling that was provided on June 3, 2025 and processed it on June 4, 2025.  Unfortunately, the account was called on June 4, 2025 before the June 3rd request had been processed.  No further attempts were made.

  We apologize for the calls that were to an incorrect number and will confirm that no further contacts attempts shall be made to that number from our office.

  Customer Answer

  Date: 06/26/2025

   
  Complaint: 23429665
  

  I am rejecting this response for the following reasons:
  
  The response does not address the many text messages we received from the business, nor does it explain why there was no reaction to our attempts to stop those messages.
  
  There is no explanation for why *** was shared with external parties via automated messages, even if the business believed the number belonged to the intended recipient.
  
  I believe this practice violates privacy laws. It is not appropriate for third parties to know who has debt or for which services and what health issues the individual who received those services has!

  A business should not send sensitive information to unverified numbers without first confirming that the communication channel belongs to the intended individual.
  
  Finally, I am rejecting this response because I want both the response and our complaint to be publicly available on the BBB website.
  This information is important for consumers and businesses when deciding whom to work with.

  Sincerely,

  *** ********

  

  Business Response

  Date: 06/30/2025

  We appreciate the complainants concerns and will ensure the proper steps are taken to remediate the situation.  To address the complainant's question as to why they received texts messages about this account - this is because this number was provided by the patient to contact them regarding their account.  Upon learning of the incorrect number, the number has been placed on a do not call list from our company.

  Regarding the privacy issues - I am sure the complainant can understand that we will not provide any further information regarding this issue as the complainant alleges that this is not their account.  As such, any further communication regarding this matter with the complainant would not be proper.

• Initial Complaint

  Date:05/07/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Gulf Coast received a collections claim from ************ because of an error in filing insurance at ***. I have called multiple times and *** has stated several times that the claim has been paid and I have a $0 balance for the claim. It was resolved by *** because of their error. The claim was NOT sold to collections and Gulf Coast has no rights to any money as this was a 100% insurance covered claim. I have documented calls to both Gulf Coast and TMH. *** has stated multiple times that they have communicated with Gulf Coast to resolve the claim as paid. Gulf Coast is clearly ignoring both my calls as well as the hospitals information. I am being harassed by Gulf Coast for a bill that is no longer due in any way. This feels fraudulent.

  

  Business Response

  Date: 05/08/2025

  We have received the consumer's complaint on this account about the balance and insurance status.  First, we did not buy this account from the provider but rather are working for them.  They have not indicated the account is zero balance but rather that the patient did not provide the insurance to the provider within the time limits provided in the contract between her and her insurance company; that is the reason that the insurance company did not pay the claim.

  We have decided to close the account from our records as past timely filing.

• Initial Complaint

  Date:02/05/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  To Whom It May Concern,I am submitting a formal complaint against Gulf Coast Collection Bureau regarding their continued failure to provide proper documentation validating the alleged debt they are attempting to collect.Failure to Provide an Itemized Bill ********* my complaints with CFPB (Claim #******-18210681/ 250205-18584160), Gulf Coast Collection Bureau has failed to provide an itemized bill that includes:A detailed breakdown of the services rendered Dates of service Provider information Billing codes Insurance payments, adjustments, and remaining balance Instead, they mailed the same generic bill previously provided, which does not meet the legal requirements for proper debt validation. This **** ***** sufficient details to prove that the alleged debt is valid or that it corresponds to the medical services I received.Repeated Requests Ignored Despite multiple requests for a full breakdown of charges, they have failed to comply, making it impossible for me to verify the legitimacy of this debt. Their continued failure to provide the required documentation raises concerns about potential violations of the Fair Debt Collection Practices Act (FDCPA) and the **************** Portability and Accountability Act (HIPAA).I expect a timely response to this matter. Please contact me if additional information is required.Sincerely,***** *. **** ****

  

  Business Response

  Date: 02/11/2025

  BBB Case No: ******** RE: ***** Rosa ****** Gulf Coast Collection Bureau, Inc. (GCCB) is responding to the Complaint received in our office on February 5, 2025.  We take all claims seriously and evaluate each thoroughly on a case-by-case basis.
  
  Ms. **** ***** has filed this complaint indicating that she has requested information about the debt and was provided generic information.   *********** ***** admits in her complaint, GCCB has provided a detailed bill that includes a breakdown of the services including treatment codes, the date of the service and the amount.  GCCB has confirmed with the original creditor the bill is still unpaid. This information satisfies the requirements under the FDCPA.   *********** ***** needs any additional information about the services provided, she may contact the provider.      
  
  *********** ***** has any further questions, she may contact GCCB at ************, by email at ****************************************** or by mail.  Thank you.

  Customer Answer

  Date: 02/11/2025

   
  Complaint: 22903627
  
  To Whom It May Concern,
  
  I am rejecting this response because the information provided does not meet the legal requirements for proper debt validation under the Fair Debt Collection Practices Act (FDCPA) (15 U.S.C. 1692g) and Regulation F (12 CFR Part 1006). Under these laws, a debt collector must provide sufficient documentation to verify the debt, including proof that the amount claimed is accurate and that the debt is legally owed. A generic invoice or summarized bill does not meet this requirement.
  
  I have already reached out to the original provider, but they were unable to supply the necessary information based on what was provided to me. Since your agency has taken ownership of this alleged debt, it is now your responsibility to provide the detailed information I have requested multiple times.
  
  I am specifically requesting a fully itemized bill, which should include:

  - The name, address, and contact details of the service provider
  - The full name of the individual receiving the services
  - The date of each service rendered

  -A clear description of each service provided

  - ****************** codes (e.g., CPT codes for medical billing)
  - The individual cost of each service or procedure
  - Any applicable payments, adjustments, or insurance details
  - The total remaining balance
  
  Until I receive a legally compliant, fully itemized bill, I do not acknowledge this debt. If your agency is unable to provide this required documentation, you must cease collection efforts in accordance with the ****** If this matter is not resolved, I will have no recourse but to escalate my complaint to the ****************************** for further investigation and action.
  
  Sincerely,
  
  ***** Rosa *********

  

  Business Response

  Date: 02/19/2025

  BBB Case No: ******** RE: ***** Rosa ****** Gulf Coast Collection Bureau, Inc. (GCCB) is responding to the Reply to its Response to the Complaint received in our office on February 5, 2025. We take all claims seriously and evaluate each thoroughly on a case-by-case basis.
  
  Ms. **** ***** has alleged GCCB has not properly verified a debt she has disputed.  ******** admits that she has received a copy of the bill at issue.  Under 15 USC 1692 (g) verification of a debt involves nothing more than the debt collector confirming in writing that the amount being demanded is what the creditor is claiming is owed.   ***** *. ******* & ********, L.L.P., 477 F. Supp. 2d 1015, 2007 U.S. Dist. ***** ***** (E.D. *** 2007). In the ***** case,the consumer alleged an FDCPA violation contending the debt collectors sending of a bill statement did not verify a debt. The court granted summary judgment to the debt collector holding that sending a bill statement adequately verifies a debt.  In this matter, Ms. **** ***** does not dispute that she received a bill statement in response to her request for verification.  As such, GCCB has properly verified the debt under the ******
  
  GCCB has provided a copy of the bill that includes the date of service, the treatment codes and the amount of this bill.  GCCB has also verified the bill remains unpaid with the creditor.  GCCB is not able to provide any more proof for this matter. 
  
  If Ms. **** ***** has any further questions, she may contact GCCB at ************, by email at ****************************************** or by mail.  Thank you.

• Initial Complaint

  Date:01/23/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I am filing this complaint against Gulf Coast Collection Bureau, *** for their failure to provide proof of the legitimacy of an alleged debt and for disregarding my consumer rights. I have no contractual agreement with this company and am not liable for the debt they are attempting to collect.

  

  Business Response

  Date: 01/31/2025

  BBB Case No: ******** RE: **** *****. Gulf Coast Collection Bureau, Inc. (GCCB) is responding to the Complaint received in our office on January 22, 2025.  We take all claims seriously and evaluate each thoroughly on a case-by-case basis.
  
  Mr. ***** indicates that Gulf Coast does not have any proof of the account at issue and has not responded to requests for information.  Gulf Coast has previously provided verification of the debt and will resend this verification to the email address in this dispute.   
  
  If Mr. ***** has any further questions, he may contact GCCB at ************, by email at ****************************************** or by mail.  Thank you.

• Initial Complaint

  Date:01/13/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Name: ****** ********* ******** Address: *************************************** DOB: ********** Last 4 of SSN: 3032 Date: 01/10/2025 Bureau Name: Gulf Coast Collection Bureau *** Bureau Address: ******************************* I recently investigated my credit report and found several items inaccurate.Under 15 U.S. Code 1681e(b), "Accuracy of report," whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual to whom the report relates.15 U.S. Code 1681i(5) Treatment of inaccurate or unverifiable information (A) In general if, after any reinvestigation under paragraph (1) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or cannot be verified, the consumer reporting agency shall-i)promptly delete that item of information from the file of the consumer or modify that item of information, as appropriate, based on the results of the reinvestigation; and ii)promptly notify the furnisher of the information that the information has been modified or deleted from the file of the consumer.Please remove the following item from my credit report, immediately:Accounts 1.******************* Account #:********* - This account is being reported inaccurately, please remove this from my credit report immediately.

  

  Business Response

  Date: 01/20/2025

  BBB Case No: ******** RE: ****** ********* ********. Gulf Coast Collection Bureau, Inc. (GCCB) is responding to the Complaint received in our office on January 13, 2025.  We take all claims seriously and evaluate each thoroughly on a case-by-case basis.
  
  Mr. ******** has submitted this complaint alleging the account is being improperly reported to a Credit Reporting Agency.   GCCB has reviewed its records and confirmed that it is not reporting this account to a ********************** Reporting Agency.   
  
  If Mr. ******** has any further questions, he may contact GCCB at ************, by email at ****************************************** or by mail.  Thank you.

• Initial Complaint

  Date:01/06/2025

  Type:Billing Issues
  Status:

  ResolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Why this company waited til Jan 2025 to make us aware of this outstandng bill of April 2022. It didn't show up anywhere, and the original ****** never contacted us about it. All because of $25.00 At first I thought it was a scam, but after 5 hours later and many phone calls, I found out the true story.I hope they don't go bankrupt for $25.00 3 years later.

  

  Business Response

  Date: 01/07/2025

  BBB Case No: ******** RE: ***** ********. Gulf Coast Collection Bureau, Inc. (GCCB) is responding to the Complaint received in our office on January 6, 2025.  We take all claims seriously and evaluate each thoroughly on a case-by-case basis.
  
  Mr. ******** has submitted this complaint about receiving a bill for $25.00 with no prior notice. Mr. ********* complaint is with the original creditor for not sending a bill sooner.  GCCB will forward information about this complaint to the original creditor. Since the account has now been paid, GCCB has closed the account.  
  
  If Mr. ******** has any further questions, he may contact GCCB at ************, by email at ****************************************** or by mail.  Thank you.

  Customer Answer

  Date: 01/07/2025

   
  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me.
  
  Sincerely,
  
  ***** ********

• Initial Complaint

  Date:12/10/2024

  Type:Service or Repair Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Continuous phone calls for unknown reason. I have no idea of why they call they just leave a message to return their call, I have tried and get no answer

  

  Business Response

  Date: 12/12/2024

  BBB Case No: ******** RE:  ****** ****.Gulf Coast Collection Bureau, Inc. (GCCB) is responding to the Complaint received in our office on December 10, 2024.  We take all claims seriously and evaluate each thoroughly on a case-by-case basis.
  
  Ms. **** has stated that she does not know why GCCB is attempting to contact her.  GCCB will email her information about the reason for the contact via encrypted email.
  
  If Ms. **** has any further questions, she may contact GCCB at ************, by email at ****************************************** or by mail.  Thank you.
  

• Initial Complaint

  Date:11/15/2024

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Called from a private number and left a voicemail that they need a return call to verify my address so they can deliver a document tomorrow via a private carrier unless a stop order is done and paid for. She left a reference number and number to call. Told me to be home and wait on them to bring me a document. Well I work and have cancer appointments after work. They can mail something or call my attorney because they not only called me but family members that I haven't talked to in 20 years. And I get calls from those family members and they played the voice mail that was left on their phone for me

  

  Business Response

  Date: 11/19/2024

  BBB Case No: ********* RE:  ***** *******.Gulf Coast Collection Bureau, Inc. (GCCB) is responding to the Complaint received in our office on November 14, 2024.  We take all claims seriously and evaluate each thoroughly on a case-by-case basis.
  
  Ms. ******* alleges GCCB called her and requested an address to deliver a document or she would need to pay to have the delivery cancelled.  She also alleges GCCB told her to stay home to receive the document. GCCB has no record of calling the number listed in the complaint and would not request a consumer stay home to receive a document or pay to cancel delivery of the document.  GCCB is not trying to contact ***** *******. We believe Ms. ******* has us confused with a different caller.
  
  If Ms. ******* has any further questions, she may contact GCCB at ************, by email at ****************************************** or by mail.  Thank you.

• Initial Complaint

  Date:11/14/2024

  Type:Product Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I have been receiving phone calls from this company and they do not state why they are calling, just to return their call. I have no knowledge of this company nor have I ever done businesses with them. I would like them to stop calling because they don't even state who they are trying to reach. If they have a legitimate reason to contact me they can do so via email.

  

  Business Response

  Date: 11/14/2024

  BBB Case No: ******** RE:  ******* ******. Gulf Coast Collection Bureau***** (GCCB) is responding to the Complaint received in our office on November 14, 2024.  We take all claims seriously and evaluate each thoroughly on a case-by-case basis.
  
  Ms. ****** has requested that she does not know why GCCB is attempting to contact her and does not want to be called.  GCCB will cease making calls and email her information about the reason for the contact via encrypted email.
  
  If Ms. ****** has any further questions, she may contact GCCB at ************, by email at ****************************************** or by mail.  Thank you.

  Customer Answer

  Date: 11/15/2024

   
  Complaint: 22555764
  
  I am rejecting this response because: They did not explain anything. All they did was send me the same exact message that the bbb sent me!
  
  Sincerely,
  
  ******* ******

  

  Business Response

  Date: 11/25/2024

  BBB Case No: ******** RE:  ******* ******. Gulf Coast Collection Bureau***** (GCCB) is responding to the message received in our office on November 15,2024.  We take all claims seriously and evaluate each thoroughly on a case-by-case basis.
  
  Ms. ****** indicated she had not received an email with information. Since this message, GCCB has corresponded with her regarding the matter and is awaiting follow up information from the original creditor.
  
  If Ms. ****** has any further questions, she may contact GCCB at ************, by email at ****************************************** or by mail.  Thank you.

• Initial Complaint

  Date:11/13/2024

  Type:Customer Service Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  **************** will take payments they won't - so what do customers do? Their staff is rude and unhelpful, why would anyone pay them with the I am better than you attitude their agents have. I called in to set up a payment plan and they refused me. I just want to pay off my bill with a payment plan if they do not accept it then erase the bill because it will never get paid.

  

  Business Response

  Date: 11/19/2024

  BBB Case No: ******** RE:  ******* ******. Gulf Coast Collection Bureau, Inc. (GCCB) is responding to the Complaint received in our office on November 13, 2024.  We take all claims seriously and evaluate each thoroughly on a case-by-case basis.
  
  Ms. ******** has contacted GCCB to set up a payment arrangement and was told by the GCCB agent that payment plans are not permitted.  GCCB has reviewed the call and confirmed the agent incorrectly advised payment arrangements were not permitted.  GCCB has a portal established for the purpose of creating payment plans on accounts and routinely schedules such plans.  GCCB has addressed this issue with the agent involved. 
  
  If Ms. ******** would like assistance setting up the payment plan on the portal or has any further questions, she may contact GCCB at ************, by email at ****************************************** or by mail.  Thank you.