Complaints

This profile includes complaints for Midwest Service Bureau, LLC's headquarters and its corporate-owned locations. To view all corporate locations, see Find Local Branches.

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  Midwest Service Bureau, LLC

  625 W Maple St Wichita, KS 67213-4618

  
• 

  Midwest Service Bureau, LLC

  PO Box 3888 Wichita, KS 67201-3888

  

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:04/17/2025

  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.

  If I could rate this company zero stars, I would. I contacted them in an attempt to understand my account and make a payment, but I was met with unacceptable behavior from a representative named Becky Adrian.
  
  From the beginning of the call, Ms. Adrian was rude, dismissive, and unprofessional. When I expressed confusion about the financial process and asked questions to better understand my options, she was impatient and repeatedly told me how much I owed without offering clarification. I made it clear I was trying to settle the balance or find a resolution, yet she continued to speak to me in a condescending tone and implied that I was unwilling to pay—which is completely untrue.
  
  What was most upsetting was when she stated that I was “not her customer,” that my bank was, and therefore she did not owe me any level of customer service or respect. She insisted that the only reason I should be calling was to make a payment and showed no willingness to assist me beyond that.
  
  Additionally, she added extra interest to my account without giving a clear explanation, which only added to the confusion and frustration.
  
  I am filing this complaint not only to express my dissatisfaction, but also in hopes that this company will review its customer service practices. Every person deserves to be treated with respect—especially when they are trying to resolve a financial matter in good faith.
  
  Desired Outcome:
  
  I would like a formal apology for the way I was treated and a clear breakdown of the charges on my account, including any interest added. I also request that this employee be addressed internally to prevent other customers from experiencing the same kind of mistreatment.

  

  Business Response

  Date: 04/21/2025

  Dear Ms. *******
  
  

  
  Thank you for bringing your concerns to our attention through the Better Business Bureau. We appreciate the opportunity to respond and clarify the matters you raised regarding your recent interaction with our office.

  
  First and foremost, please accept our sincere apology for the experience you described. We regret that your call with our representative, ***** ******, left you feeling dismissed and disrespected. We understand how important it is to feel supported—especially when dealing with sensitive financial matters—and we are truly sorry that your concerns were not met with the patience and professionalism you deserve.

  
  Following receipt of your complaint, we conducted an internal review of the call. While our representative did attempt to explain your account details and payment options, we recognize that the tone and delivery may not have reflected the level of care and courtesy we expect from our staff. This matter has been addressed directly with the employee, and we are reinforcing our service expectations and communication training across our team to prevent future issues.

  
  Regarding your request for clarification of the charges on your account, we would like to explain that loans originated through ********* ****** ***** continue to accrue interest even after being placed with our office for collections. In your specific case, the interest rate on the loan is 12%, and this interest continues to accrue based on the current principal balance. We understand this may not have been clearly explained during your call, and we apologize for any confusion or frustration this caused.

  
  You also requested a detailed breakdown of the charges on your account. We will submit the documentation request directly to ********* ****** ***** on your behalf. Once we receive the information, we will promptly forward a copy to you for your review.

  
  Lastly, we want to reaffirm our commitment to treating all individuals with dignity and respect. We regret that your experience did not reflect that standard, and we appreciate you taking the time to express your concerns so we can improve.

  
  Should you have any further questions in the meantime, please don’t hesitate to reach out.

  
  **********
  
  ******* ******* ******
  ******** *******

• Initial Complaint

  Date:03/19/2025

  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 never got a bill from them. They said I owe $922 and I never used them. It has never hit my credit report.
  
  I just want proof from them of this bill.

  

  Business Response

  Date: 04/01/2025

  The consumer is with Midwest Service Bureau under the name ******* * ******* for bad date incur with Diagnostic Imaging Associates on July 13, 2023, in the amount of $633.00 and $289.00 totaling $922.00.  We are reaching out to our client to get a copy of the invoice that the consumer said she never received and will be sending that copy to her as soon as we receive it.

  **** ********
  
  ********* ******

  

  Business Response

  Date: 04/15/2025

  Looks like we did email it out, as well as mailed a copy.  Please find attached notification that the email was received, open and downloaded.  I would be more than happy to add the files here as well but do to HIPPA regulations I will not. I can resend the documents again, via secure email if you would like.

  **** ********
  
  *********

• Initial Complaint

  Date:10/18/2024

  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.

  After going through financial hardship as well as personal matters that led to a deep depression I finally have been able to get a handle on my life and past debt. In an attempt to rectify my accounts with this company I called to get information and was met with immediate attitude from a manager. After repeatedly trying to explain that I needed info to get them a payment for the account I was screamed at and told they don't want my payment unless it is the full amount. When I began to get an attitude back I was screamed at more. I am not the first person to avoid phone calls from a debt collector when unable to handle financial strain. The fact the I was treated so poorly while trying to rectify my debt is ridiculous. Very Unprofessional! Further more the definition for payment is the action or process of paying someone or being paid. Payment and installment payments are two different things. I never stated I was attempting to make an installment. When trying to explain that I have been in contact with one of the original debtors and that I wouldn't be making that payment to Midwest Service but instead the original creditor I was interrupted and told she did not care what I was doing and that I was wasting her time. Is it not her job to try and collect money? If she would have let me finish I was trying to ask if I paid the original debtor how would that work? Please provide information on each bill that is due, including services provided and the amount charged for each service. Please provide the date in which these services were received. Please provide a copy of each bill that is with your collection agency. With this information I will review each bill and make a PAYMENT to close the account. If discrepancies are found after reviewing the requested information I will call to dispute.

  

  Business Response

  Date: 11/06/2024

  Dear *******,
  Thank you for bringing this matter to our attention. We apologize for any frustration you experienced during your recent interaction with our team. Our goal is to ensure all communications are handled professionally and with respect.
  To assist you, we will promptly provide a detailed account breakdown, including dates, services, and charges associated with each balance due, to ensure you have the clarity needed to review and finalize payment. Please reach out directly via our contact number, ************, if there is anything further we can assist with or clarify regarding this matter.
  Thank you for your patience and commitment to resolving your account with us.
  

• Initial Complaint

  Date:06/01/2023

  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.

  They contacted me upon several occasions requesting payment upon hospital debt. I told them I
  didn't have a job and they would have to speak with my husband to reach an agreement.
  My husband has reached out to them to try and settle upon a payment plan...Lilly said she couldn't offer 1 because I wasn't employed and turned right around in the same sentence and offered 1 to my Husband that wasn't reasonable with our disposable income. After my Husband had given Lilly his cell # for contact...She preceded in calling his work in which he cannot have these types of calls period and that's why he gave her his cell, but she ignored it. My husband then told them no more contact and only in writing. She said she was taking this as a refusal to pay in which that was NEVER said! My husband said he would contact them after I had a job so then we could afford to start paying. On 5/30/23 my husband called Lilly once again...in which the receptionist said she was not there and put him on hold. On comes Bill * **** ****** ********** that was ********** **** ...and would not listen to our situation and had no desire to resolve with an affordable payment plan. My husband has requested Debt verification from Bill ***** at Midwest Service Bureau because we have nothing in hand from them...he said it was already sent out to our address and he refuses to do it again. Bill ***** said his company has sent recommendations on our account. Im assuming law suit...since he didn't want to set up any kind of working payment plan. It doesn't seem like they want resolution for their client and that is all we are seeking. We want accurate verification of the debt and a reasonable plan and they refuse both. Its that plain and simple!

  

  Business Response

  Date: 06/12/2023

  We have reviewed all communications regarding this file and found no violations.  We have noted the file and restricted the account.  

• Initial Complaint

  Date:04/24/2023

  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.

  Bill *****, employed by Midwest Sevice Bureau has been harassing me about an unpaid collections. I’ve made one payment, which is above what I can afford. He had cursed at me on the phone, threatened me, told us to sell our home or take out a line of equity loan to pay the debt, sell our vehicles, use our tax return or harass family for the debt. He used my minor daughter’s private information to threaten me into payment for the debt as well as threatening to “ensure my husband would lose his job” if I did not pay. Bullied and harassed me into a payment plan he wanted instead of what I offered and told him I could afford which is an FTC violation. He has called me incessantly over the weekend and left multiple voicemails. I am ******** *** unable to work, to which he replied I was nothing but “a problem for everyone else”.

  

  Business Response

  Date: 04/25/2023

  We have reviewed all communication regarding this file and found
  no violations.  We have reviewed the call
  recordings and at no time did we find any of the claimed violations by Mrs. ******.  We show only one phone conversation with Mrs.
  ****** on 03/10/2023 to which a future arrangement was made.  On 04/22/2023 we attempted to contact Mrs. ******
  and her spouse due to the failure of the arrangement, to which we only got voice
  mails.  We have noted the file. 

• Initial Complaint

  Date:09/16/2022

  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.

  Midwest Service Bureau has been calling trying to get a bill paid. I have asked, repeatedly, for them to send confirmation of this bill. They said they did in June. I told them I have never received anything from them in regards to a bill from ***************************************, and that if they want this paid, they will have to send me a bill to prove that one exists. THEY REFUSE TO DO SUCH.
  
  Now then, this would be against the Fair Debt Collection Practices Act I believe, because they have to provide this upon request, they don't have an option to refuse to do such. I have even called them asking for this, as they started this issue with me and failed, FAILED to provide proof of this debt. The harassment needs to end.
  

  

  Business Response

  Date: 10/17/2022

  Business Response /* (1000, 5, 2022/09/19) */
  We have reviewed Ms. ********* file and found no violations. Ms. ******** never disputed the bill or asked for an itemization/proof of bill. She asked for a letter to which we sent to the confirmed address on file. This notification is the first time Ms. ******** has disputed this account and asked for an itemization. We will send the itemization to her immediately. The account has been noted.
  
  
  Consumer Response /* (3000, 7, 2022/09/20) */
  (The consumer indicated he/she DID NOT accept the response from the business.)
  This is the furthest thing from the truth on their end. I have asked multiple times for confirmation and to have the bill sent out. They failed to do such. They even say they won't send it, only want money, but will not give proof of debt, and it was requested multiple times.
  
  I have been in touch with the actual account holder, it is being taken care of through them, not this agency.
  
  
  Business Response /* (4000, 9, 2022/09/20) */
  We have nothing further to add at this time. We will check with the creditor for payment.
  
  
  Consumer Response /* (4200, 11, 2022/09/21) */
  (The consumer indicated he/she DID NOT accept the response from the business.)
  Went to ***************************************. They won't take payment because, and I quote: 'We took a payment from another customer and Midwest picked it up, then claimed they never received it, so we will no longer do that.'
  
  Meaning, that the original creditor even states that there are issues with this Debt Collecting Agency.
  
  We refuse to work with them, they are openly hostile, threatening and we will NOT work with them unless we get some type of relief over their hostile actions. If they want payment for something we were NEVER BILLED FOR, then they need to apologize for their threats and their hostile behavior.
  
  When a customer asks for a bill and a proof of debt, you don't deny them that, you HAVE to provide it. Then you do not deny that it was never asked, because you know it was, it was asked EVERY TIME YOU CALLED.
  
  Even have a new sheet that arrived that says so, including a break down of the debt. Amazing that this was denied in your first rebuttal and yet, I have a sheet that says differently. Care to explain why you lied here in front of the BBB?
  
  Give me the apology I seek, I will make payment, or I will wait until it goes to the next step in the process and away from who ever is the threatening people behind this.
  
  You'll get more flies with honey than with salt. Try it out.
  
  
  Business Response /* (4000, 13, 2022/09/22) */
  We have reviewed Ms. ********* response and as stated before, we have nothing further to add at this time.
  
  
  Consumer Response /* (4200, 15, 2022/09/23) */
  (The consumer indicated he/she DID NOT accept the response from the business.)
  Nothing more to add, company refuses to acknowledge bad collection practices and hostile collectors. Will be in touch with FTC about these issues as well.