Complaints

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

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• 

  Midstate Collection Solutions, Inc

  PO Box 3292 Champaign, IL 61826-3292

• 

  Midstate Collection Solutions, Inc

  1711 S Neil St Second Floor Champaign, IL 61820

• 

  Midstate Collection Solutions, Inc

  2009B Round Barn Rd Champaign, IL 61821

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:07/02/2025

  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’m not liable for this collection from ********** ** **, I never signed/received a contract with MIDSTATE COLLECTION SOLOUTIONS. I was also never provided with the original contract as well.

  Business Response

  Date: 07/07/2025

  Thank you for bringing the correspondence from this consumer with reference to ID# ************* to our attention. 

  Attached, please find the itemized statement of charges for this consumer's account, which meets the requirements of validation of debt per the FDCPA. 

  Thank you for your consideration. We would like to request that you please keep us updated as to the outcome of this complaint. 

• Initial Complaint

  Date:06/11/2025

  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 honestly don’t get why Midstate Collection Solutions, Inc is reporting this debt under my name because I don’t owe them anything. I never signed anything with them, and when I asked for a copy of the original application, they didn’t even bother to provide it. It’s frustrating because this is hurting my credit for no reason, and it’s just not fair. How can they just put something on my report without any proof?
  
  Account No: ********
  Amount Disputed: $5520

  Business Response

  Date: 06/18/2025

  Thank you for bringing the
  correspondence from this consumer with reference to ID #23455237 to our
  attention.
  
  This consumer has never sent our office a written request for validation of
  debt.
  
  Attached, please find the itemized statement of
  charges for this consumer’s account, which meets the requirements for
  validation of debt per the FDCPA & FCRA. In compliance with the FDCPA, we
  have also marked the account to reflect that it is disputed by the consumer.

  
  Thank you for your
  consideration.  We would like to request that you please keep us updated
  as to the outcome of this complaint.

  
  

• Initial Complaint

  Date:11/14/2024

  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.

   I am rejecting this response because:
  
  
  The billing this company and included within the debt is not valid. In the files attach here there was no proof that those products or services were needed or used by the business to cover any violations within the lease.
  Furthermore I am not responsible for rent due in February of 2024. Therefore I am not responsible nor liable for this debt.
  

  Business Response

  Date: 11/21/2024

  Thank you for
  bringing the correspondence from this consumer with reference to ID
  #************* to our attention.
  
  This consumer has
  never requested validation of debt from our office.
  
  Attached, please
  find the itemized statement of charges for this consumer’s account, which meets
  the requirements for validation of debt per the ***** & ****. In compliance
  with the *****, we have also marked the account to reflect that it is disputed
  by the consumer.
  
  Per this consumer’s
  request, we have ceased all communications with the consumer. Please note that
  per the *****, a request for a collection agency to cease communications only
  covers communications with the consumer. It does not affect credit reporting or
  communication with the credit bureaus.
  
  Thank you for your
  consideration.  We would like to request that you please keep us updated
  as to the outcome of this complaint.

  Business Response

  Date: 12/03/2024

  Thank you
  for bringing the follow up correspondence from this consumer with reference to ID# ******** to our attention.

  Midstate Collection Solutions is an authorized agent of *** ********** *****. As their authorized agent, it is allowable for *** ********** ***** to provide us with this consumer's information to enable us to
  collect outstanding funds on their behalf.

  The
  documentation that our office provided to this consumer's initial
  correspondence did contain a contract (lease agreement) bearing their
  signature. The lease agreement this consumer signed was for the lease term of
  8/17/2023-7/31/2024, making this consumer responsible for the February 2024
  rent. This consumer's move out date was 3/14/2024. *** ********** *****
  prorated the March 2024 rent and applied the consumer's security deposit to the outstanding balance prior to the account being submitted to our office for
  collections. 
  
  Our office
  provided validation of debt (an itemized statement of charges) in our initial response which meets
  the requirements of the *****. In compliance with the *****, we have also
  marked the account to reflect that it is disputed by the consumer.

  Our office is happy to discuss this account and assist this consumer in reaching a positive resolution. Thank you
  for your consideration. We would like to request that you keep us updated as to
  the outcome of this compliant. 

• Initial Complaint

  Date:01/29/2024

  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.

   I am rejecting this response because the company is trafficking my private federally-protected personal information ALL without my authority, the company failed to honor my conditional offer as well as offer clarification in which I requested as the consumer; the company sent many harassing documents effected by the mails to my residence all while NOT having the authority to conduct business in my state of residence, Illinois (provided proof in previous communications), in so, if the company continues such profane behavior, I will act in order to protect my rights as the consumer. 

  
  

  Business Response

  Date: 02/16/2024

  Thank you for bringing the correspondence from this consumer with reference to ID #******** to our attention. This information is the same as the previous dispute. This account was submitted to our office on 11/8/2023 for the date of service of 9/2/23 and ***** ****** was the patient. ***** committed to payment terms with ******** Family Eyecare on 9/2/2023 and did not follow through with the agreed upon terms.  

• Initial Complaint

  Date:11/16/2023

  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 not liable for this debt with MIDSTATE COLLECTION SOLUTIONS, I do not have a contract with ** ***** ****** ******, they did not provide me with the original contract as I requested

  Business Response

  Date: 11/22/2023

  Thank you for bringing the correspondence from this consumer with reference ID# ******** to our attention. Attached, please find the itemized statement of charges for this consumer's account, which meets the requirements for validation of debt per the FDCPA & FCRA. In compliance with the FDCPA, we have also marked the account to reflect that it is disputed by the consumer. 

  Thank you for your consideration. We would like to request that you please keep us updated as to the outcome of this complaint. 

• Initial Complaint

  Date:07/16/2023

  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’m not liable for this debt with midstate collections. I do not have a contract with midstate collections nor did I sign any paperwork with Midstate collections Stating that I would pay them or owe them any type of money. They did not provide me with the original copy as requested.

  Business Response

  Date: 07/26/2023

  Thank you for bringing the correspondence from this consumer with reference to ID# ******** to our attention.

  This consumer has never requested validation of debt from our office. 

  Attached, please find the itemized statement of charges for this consumer's account, which meets the requirements for validation of debt per the FDCPA & FCRA. In compliance with the FDCPA, we have also marked the account to reflect that it is disputed by the consumer. 
  

  Thank you for your consideration. We would like to request that you please keep us updated as to the outcome of this complaint. 

• Initial Complaint

  Date:07/13/2023

  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 not liable for this debt with ********** ******** *****. I do not have a contract with MID STATE COLLECTIONS, inc. they did not provide me with the original contract as I requested.

  Business Response

  Date: 07/21/2023

  Thank
  you for bringing the correspondence from this consumer with reference to ID# ******** to our attention.
  
  We had
  previously mailed validation of this debt to this consumer on May 11, 2018 and
  on July 3, 2019 in response to earlier requests from this consumer. These
  responses included their signed lease agreement under which this debt was
  incurred. We did not receive mail returns and so we had to assume that the
  received this documentation.
  
  We
  have attached this documentation to our response to this complaint.
  
  If
  this consumer has any questions or concerns regarding this account, or wishes
  to discuss payment options, we would invite them to call in to our office at
  ************. We would be happy to discuss the account and assist them in
  reaching a positive resolution.
  
  Thank
  you for your consideration. We would like to request that you please keep us
  updated as to the outcome of this complaint. 

• Initial Complaint

  Date:07/05/2023

  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 rejecting this response because:
  
  
  Midstate Collections did, in fact, close the account and report it as a charge-off reported on 06/23/23 (see attachment of my credit report). While we appreciate the updated documentation subtracting the alleged rent amount of $1300 that was mistakenly charged, Midstate continues to fail to provide documentation that an itemized receipt was sent to account holders within 30 days of the apartment being vacated pursuant to the IL Security Deposit Return Act. While they may "meet the requirements for validation of debt per the FDCPA and FCRA," they are not in compliance with the IL Security Deposit Return Act. There is also a charge for $19.82 from ****** for the month of August even though we stopped services as of 07/31/23 (see attachments showing a balance of $0 from 06/29/23-08/03/23 as well as confirmation that the account was closed). This account is full of errors and illegal collection attempts as Midstate's creditor failed to comply with the IL Security Deposit Return Act. The fact that "unpaid" rent was initially included in the debt amount and then later removed and the ****** statement is incorrect shows that ***** ****** has a pattern of reporting debts in error and breaking the law just to see how much money they can squeeze out of students ruining their credit without even slightly attempting to contact students about these charges before reporting to debt collection agencies like Midstate who allow these illegal practices to continue. I will follow up with counsel accordingly.
  dstate was attempting to collect and the negative mark reported to the credit bureaus is invalid and illegal. When I tried to speak with Midstate on the phone with my attorney to resolve the issue, they refused to speak with counsel and then closed the account and reported it as a charge-off on our credit reports shortly after. Before the account was closed, my attorney wrote a letter to Midstate and sent it on 06/08/23 (attached). While we were hoping to resolve the issue with Midstate directly, the agency has made it impossible by closing the account and verifying the debt as valid when it, in fact, since it violates the IL Security Deposit Return Act and Midstate and ***** ****** has failed to prove otherwise.

  Business Response

  Date: 07/14/2023

  Thank you for bringing the correspondence form this consumer with reference to ID# ******** to our attention. 

  We had previously mailed validation of this debt to this consumer on 5/4/23 in response to an earlier request from this consumer, which meets the requirements for validation of debt per the FDCPA and FCRA. In compliance with the FDCPA, we have also marked the account to reflect that it is disputed by the consumer.

  The account for this consumer has never been closed, therefore, it still remains open. We mailed a response to this consumer's attorney on 7/13/23, which included updated documentation. 

  We have attached the updated documentation that was mailed to this consumer's attorney to this complaint. 

  Thank you for your consideration. We would like to request that you please keep us updated as to the outcome of this complaint. 

  Business Response

  Date: 08/09/2023

  Thank you for bringing the follow up correspondence from this consumer with reference to ID# ******** to our attention. 

  We had previously provided the itemized statement of charges for this consumer's account, which meets the requirements for validation of debt per the FDCPA & FCRA. Upon our most recent investigation of this consumer's account, an adjustment was made to the open balance which our office reported to the credit bureaus on 07/21/2023. 

  We spoke with this consumer and their attorney on 08/03/2023, where their attorney confirmed that the current balance in our system would be paid in full by 09/03/2023. 

  We have again attached the above-mentioned documentation to our response to this complaint. 

  Thank you for your consideration. We would like to request that you keep us updated as to the outcome of this complaint. 

  Business Response

  Date: 08/10/2023

  Thank you for bringing the follow up correspondence from this consumer with reference to ID# ******** to our attention. 
  
  We had previously provided the itemized statement of charges for this consumer's account, which meets the requirements for validation of debt per the FDCPA & FCRA. Upon our most recent investigation of this consumer's account, an adjustment was made to the open balance which our office reported to the credit bureaus on 07/21/2023. 
  
  We spoke with this consumer and their attorney on 08/03/2023, where their attorney confirmed that the current balance in our system would be paid in full by 09/03/2023. 
  
  We have again attached the above-mentioned documentation to our response to this complaint. 
  
  Thank you for your consideration. We would like to request that you keep us updated as to the outcome of this complaint. 

• Initial Complaint

  Date:06/28/2023

  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 rejecting this response because:
  
  
  I did not authorize and transaction.I called and asked for verification of debt.I never gave anyone authorization to authorize any transactions in my name.And they still have never provided me with any contract or proof that this debt is mine.I’ve disputed this multiple times.And asked for prof everytine

  Business Response

  Date: 07/06/2023

  Thank you for bringing the correspondence from this consumer with reference to ID# ******** to our attention. 
  

  This consumer has never requested validation of debt from our office. This consumer set an initial payment arrangement up with our office on 3/21/23 and no payment. This consumer then contacted our office on 5/20/23 and agreed to pay $500.00 via their checking account, and that payment came back returned for the reason of NSF. 

  Attached, please find the itemized statement of
  charges for this consumer’s account, which meets the requirements for
  validation of debt per the FDCPA & FCRA. 

  Thank you for your
  consideration.  We would like to request that you please keep us updated
  as to the outcome of this complaint.
  

  Business Response

  Date: 07/14/2023

  Thank you for bringing the
  correspondence from this consumer with reference to ID# ******** to
  our attention. 

  
  We obtained the required recorded
  verbal authorization from this consumer on 5/20/23 when they called into our
  office prior to submitting the postdated transaction of $500 for 5/22/23.

  We have again attached the
  itemized statement of charges for this consumer’s account to our response,
  which meets the requirements for validation of debt per the FDCPA and FCRA.

  
  Thank you for your
  consideration. We would like to request that you please keep us updated as to
  the outcome of this complaint. 

• Initial Complaint

  Date:04/01/2023

  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.

  They say I owe $500 in fees from Green Street Realty, but I was never made aware of these fees. They are trying to charge me for carpet cleaning, a stained mattress, and a dirty bathroom. My studio was not carpeted at all, I have no knowledge about a stained mattress, and I cleaned for hours before moving out! They should have also compared the state of the bathroom to what I wrote in the move-in report. Moreover, I moved out on May 16th, 2022, and these fees were apparently charged in August. I also returned my keys to ******* Apartments, and they were still managing the apartment when I moved out. Therefore, I received my key deposit back from *******. I received the deposit back because everything was cleared (and I did not receive charges from *******). According to the landlord and tenant rights and laws, I must be given an “itemized statement of the damages along with paid receipts within 30 days of the date [I] moved.” I did not receive an itemized statement with receipts from GSR. They had my email, as they contacted me previously, so there should have been no issues there. I sent an email to Midstate requesting photo evidence and itemized receipts on March 12, 2023 but did not get anything! They called me on March 15th, so they know about this email and said they would check. I confirmed my address with them 3 times (2x over the phone and 1x via email) now. As of March 31st, this was reported on my credit, but I clearly disputed this debt. This company should no longer contact me AND remove the debt from my consumer report. I have also reported this to the credit bureaus.

  Business Response

  Date: 04/12/2023

  Thank you for bringing this
  correspondence from this consumer with reference to ID #******** to our
  attention. 

  The account in our office for this consumer is being canceled from our office and a letter of cancellation will be mailed directly to this consumer. Our office will notify the three credit bureaus within 30-days to remove this account from this consumer's credit reports. 

  Thank you for your consideration.  We would
  like to request that you please keep us updated as to the outcome of this
  complaint.