Complaints

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

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  State Collection Service, Inc.

  2509 S Stoughton Rd Madison, WI 53716-3314

  
• 

  State Collection Service, Inc.

  PO Box 6250 Madison, WI 53716-0250

  
• 

  State Collection Service, Inc.

  628 North St Geneva, IL 60134-1356

• 

  State Collection Service, Inc.

  600 Henry Ave Ste 21 Beloit, WI 53511

  

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:03/27/2024

  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.

  I have been called several times by SCsi. I have answered the phone on numerous occasions but no one on the other end speaks. I decided to call them back and a man answered. He asked me personal information in which I declined to give him. He then said he is unable to give me the information about the multi care bill. I told him I have no bill. Her then said with out my birthdate he can not give me details. Fine !! he then said he would text message me information. A week has gone by and no text. ** SCAM !!

  

  Business Response

  Date: 04/05/2024

  We are committed to directly assisting consumers with resolving complaints and inquiries amicably and we appreciate the opportunity to respond to Consumer.  By way of background medical health provider (Creditor) has listed one account with our company for collections.
  
  The account listed on March 11, 2024, in the amount of $212.29 for a date of service of October 26, 2023. On or about March 14, 2024, we mailed to Consumers attention, to the address provided by Creditor, our standard first notice, said notice advising Consumer of his right to dispute the validity of the debt within thirty-days of receiving that notice.  Attached is a copy of said notice.
  
  Since we are collecting a medical debt for Creditor we are obligated to comply with the privacy and security requirements of the **************** Portability and Accountability Act (HIPAA).  Our company has standards, policies, and procedures in place to ensure sensitive/confidential information such as protected health information as defined by HIPAA is not improperly disclosed.  Part of our safeguards is to confirm we are communicating with the patient and/or responsible party by obtaining verification of the correct party by name and other demographic information such as date of birth or mailing address.
  
  Our company has been in business since 1949 helping consumers resolve medical debts on behalf of healthcare providers.  Throughout those seventy-five years our company has prided itself on complying with state and federal collection regulations.  Our company is not engaged in a scam as alleged in the complaint.
  
  Upon receiving this complaint, we reached out to Creditor regarding Consumers complaint and Creditor has responded by affirming that the debt is due and owing as patient responsibility.  Please note that the Creditor maintains ownership of the account and we are merely acting as collector in collection of the debt.  Also, and more importantly, this account has not been reported to the credit reporting agencies by our company.  Thank you.

• Initial Complaint

  Date:03/01/2024

  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.

  I do not have any contract with State Collection Services nor should they have my information about an existing account. I ask if they can remove this from my credit report because I did not authorize or sign any paperwork with State Collection Services.

  

  Business Response

  Date: 03/08/2024

  We are committed to directly assisting consumers with resolving complaints and inquiries amicably and we appreciate the opportunity to respond to Consumer.  By way of background medical health provider (Creditor) has listed one account with our company for collections. 
  
  The account listed on August 19, 2023, in the amount of $1,363.15 for a date of service of October 2, 2021. On or about August 24, 2023, we mailed to Consumers attention, to the address provided by Creditor, our standard first notice, said notice advising Consumer of her right to dispute the validity of the debt within thirty-days of receiving that notice.  We did not receive a request for verification of debt within that thirty-day period.  Nor anytime thereafter until receiving this complaint.
  
  Upon receiving this complaint, we reached out to Creditor regarding Consumers complaint and Creditor has responded by affirming that the debt is due and owing as patient responsibility.  The Creditor also provided us with the itemized statement.  Please note that the Creditor maintains ownership of the account and we are merely acting as collector in collection of the debt.  Also, and more importantly, this account has not been reported to the credit reporting agencies by our company.
  
  On March 7, 2024, we placed in the mail a copy of the itemized statement, to the mailing address provided by Creditor, showing insurance payment and payments by Consumer prior to the account being placed with our company.  Thank you.

• Initial Complaint

  Date:02/28/2024

  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.

  I am not liable for this debt with ************* ************ I do not have a contract with State Collection Service. They did not provide me with the contract as I requested.

  

  Business Response

  Date: 03/08/2024

  We are committed to directly assisting consumers with resolving complaints and inquiries amicably and we appreciate the opportunity to respond to Consumer.  By way of background medical health provider (Creditor) has listed one account with our company for collections. 
  
  The account listed on October 11, 2023, in the amount of $3,687.58 for a date of service of October 28, 2022. On or about October 11, 2023, we mailed to Consumers attention, to the address provided by Creditor, our standard first notice, said notice advising Consumer of her right to dispute the validity of the debt within thirty-days of receiving that notice.  We did not receive a request for verification of debt within that thirty-day period.  Nor anytime thereafter until receiving this complaint.
  
  Upon receiving this complaint, we reached out to Creditor regarding Consumers complaint and Creditor has responded by affirming that the debt is due and owing as patient responsibility.  The Creditor also provided us with the itemized statement.  Please note that the Creditor maintains ownership of the account and we are merely acting as collector in collection of the debt.  Creditor has authorized us to report the account balance to the credit reporting agencies (CRAs) and currently Creditor has not instructed us to remove the account from Consumers credit file.  As a courtesy to Consumer, we will report said account as disputed.  To reiterate Creditor is the one who authorizes our company to report accounts to the CRAs.
  
  On March 7, 2024, we placed in the mail a copy of the itemized statement, to the mailing address provided by Creditor, showing description of service, service codes, and charges.  Lastly,to verify a debt under the Fair Debt Collection Practices Act a Creditor and/or their collection representative need only provide an itemized statement.  Thank you.

• Initial Complaint

  Date:02/19/2024

  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.

  I noticed State Collection Service, *** has an A+ rating with the BBB- despite the fact they have over 102 recent complaints for harassment. Just because a company is listed with the BBB doesn't mean you turn the other cheek.That being said, I am filing a complaint with your institution against State Collection Service, *** for harassment for documentation purposes. I plan to file similar complaints with the *** and the Ag office,This company has called me and the representative was very rude and abrupt before hanging up my face. They continue to call me from different numbers. I have also advised them I am not aware of the debt they alleged I owe with ******************** and requesting in writing that they cease and desist with their collective efforts and from continuing to harass me. Now they have sent a collection notice through email that was initially read by someone else. When I tried to send them an email back- my email was blocked.

  

  Business Response

  Date: 02/29/2024

  We are committed to directly assisting consumers with resolving complaints and inquiries amicably and we appreciate the opportunity to respond to Consumer.  By way of background a medical healthcare provider (Creditor) has listed a total of forty-one accounts with our company and currently ten active accounts remain placed with our company.  Please note that Creditor maintains ownership of the accounts and we are merely acting as collector in collection of the debts.  To date we have not collected anything on these accounts. 
  
  The active accounts listed from June 10, 2023, through January 18, 2024, with a total balance of $24,506.21 with dates of service ranging from January 18, 2023, through July 24, 2023. We delivered to Consumers attention our standard first notices, said notices advising Consumer of her right to dispute the validity of the debts within thirty days of receiving that notice. We did not receive a request for verification of debts within those thirty-day periods.  Nor did we receive anything in writing from Consumer regarding a cease-and-desist request or any call in which we allegedly hung up on Consumer. We also researched emailing, and we have no record of emailing with Consumer.  We do have record that Consumer filed a ************************************ (CFPB) complaint against our company relating to Creditor on July 25, 2019, and we responded to that CFPB complaint on August 9, 2019 (please see attached complaint and response for quick reference).
  
  According to the complaint our company is allegedly engaging in harassing collection tactics.  Our company has been in business since 1949 helping consumers resolve medical debts on behalf of healthcare providers. Throughout those seventy-five years our company has prided itself on complying with state and federal collection regulations.  Our company is not engaged in any deceitful collection activity as alleged in the complaint.
  
  Upon receiving this complaint, we reached out to Creditor regarding Consumers complaint and Creditor has responded by affirming that the debts are due and owing as patient responsibility.  The Creditor also provided us with the itemized statements for the medical services in question.
  
  On February 27, 2024, we placed in the mail copies of the itemized statements directly to Consumer, at the address provided by Creditor.  The itemized statements indicate one direct payment from Consumer to Creditor and show adjustments and payments by insurance prior to the accounts being placed with our company.  We also advised that we have ceased collection activity on the ten active accounts, and they have not been reported to the credit reporting agencies by our company.
  
  Finally, a cease-and-desist request cannot be made in advance for accounts that have yet to be listed.  Thank you.

  Customer Answer

  Date: 03/01/2024

  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and have determined that this does not resolve my complaint.  For your reference, details of the offer I reviewed appear below.
  
  I have double insurance coverage and have no problems with my insurance. I was told there is a patience at ******** with the exact same name. The collection agency has not sent me anything through the mail. I received several phone calls and was hung up on as well as an email. Aforementioned, I was blocked from emailing them back. Please see below 
  
  Regards,
  
  *******************************

  Customer Answer

  Date: 03/01/2024

  Hello,

  I was not able to send this information through the portal. The company calls and hang up in my face and they have emailed me. However, when I went to email them back- I was blocked. My email would not go through. They said they never sent me an email. Please see below.

  
  

  
  

  

  

  Business Response

  Date: 03/11/2024

  As we understand Consumers reply to our response to Consumers complaint issue, Consumer reaffirms the allegation of unfair collection tactics.  We stand by our response to complaint number ******** and as previously stated we reviewed the accounts listed by Creditor and the allegations of not working with Consumer are unfounded.  We work with consumers to resolve the account balances listed by Creditor and have representatives available to assist this Consumer.  Not hinder as alleged.  Think of us as a help desk to resolve service accounts listed by the medical provider.

• Initial Complaint

  Date:02/13/2024

  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.

  I am not liable for this debt with ***************** Hospital, I do not have a contract with State Collection Service, Inc., they did not provide me with the original contract as I requested

  

  Business Response

  Date: 02/23/2024

  We are committed to directly assisting consumers with resolving complaints and inquiries amicably and we appreciate the opportunity to respond to Consumer.  By way of background medical health provider (Creditor) has listed four accounts with our company for collections. 
  
  The first account listed on July 13, 2022, in the amount of $549.36 for a date of service of June 16, 2021. On or about July 13, 2022, we mailed to Consumers attention, to the address on this complaint, our standard first notice, said notice advising Consumer of his right to dispute the validity of the debt within thirty-days of receiving that notice.  We did not receive a request for verification of debt within that thirty-day period.  Nor anytime thereafter until receiving this complaint.
  
  The second and third accounts listed on September 14, 2022,in the amount of $353.62 and $330.28 for dates of service of August 4, 2021,and September 1, 2021, respectively.  On or about September 14, 2022, we mailed to Consumers attention, to the address on this complaint, our standard first notice, said notice advising Consumer of his right to dispute the validity of the debts within thirty-days of receiving that notice.  We did not receive a request for verification of debts within that thirty-day period.  Nor anytime thereafter until receiving this complaint.
  
  The fourth account listed on February 14, 2023, in the amount of $426.44 for a date of service of January 1, 2022.  On or about February 14, 2023, we mailed to Consumers attention, to the address on this complaint, our standard first notice, said notice advising Consumer of his right to dispute the validity of the debt within thirty-days of receiving that notice. We did not receive a request for verification of debt within that thirty-day period.  Nor anytime thereafter until receiving this complaint.
  
  Upon receiving this complaint, we reached out to Creditor regarding Consumers complaint and Creditor has responded by affirming that the debts are due and owing as patient responsibility.  The Creditor also provided us with the itemized statements.  Please note that the Creditor maintains ownership of the accounts and we are merely acting as collector in collection of the debts.  Creditor has authorized us to report the account balance of $549.36 to the credit reporting agencies (CRAs) and currently Creditor has not instructed us to remove the account from Consumers credit file.  As a courtesy to Consumer, we will report said account as disputed.  To reiterate Creditor is the one who authorizes our company to report accounts to the CRAs.
  
  On February 22, 2024, we placed in the mail a copy of the itemized statements, to the address appearing on this complaint, showing adjustments and payments by insurance prior to the accounts being placed with our company.  Lastly, to verify a debt under the Fair Debt Collection Practices Act a Creditor and/or their collection representative need only provide an itemized statement.  Thank you.

• Initial Complaint

  Date:02/11/2024

  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.

  I have a payment plan withtbis company that I set up for $25/week to resolve debt. However on 2/10/2024, this company withdrew $31.45 from my account. This amount was not authorized and I did not make any changes to the account. When I called to get answers from the company. The customer ********************** rep said ********************* that she didn't see the transaction.

  

  Business Response

  Date: 02/21/2024

  We are committed to directly assisting consumers with resolving complaints and inquiries amicably and we appreciate the opportunity to respond to Consumer.  By way of background the medical provider who provided medical services for Consumer has listed four accounts with our company for collections. 
  
  To resolve the account balances Consumer set up a payment plan on-line for $25.00 per week starting on September 9, 2023, with the last payment set to be for $31.15 on February 10, 2024.  We confirmed the payment plan schedule by sending Consumer an email on September 7, 2023, to the address provided by Consumer of: **************.  On February 5, 2024, we sent an email to Consumer of the upcoming scheduled payment for $31.15 set to be processed on February 10, 2024.  Out of the twenty-three scheduled payments only four processed successfully eighteen scheduled payments did not go through because they were declined.  On February 13, 2024, we refunded the payment of $31.15 to Consumer per her request.  Thank you.

  Customer Answer

  Date: 02/25/2024

  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and have determined that this does not resolve my complaint.  For your reference, details of the offer I reviewed appear below.
  
  [Please type your response here.]
  
  Regards,
  
  ***************************

• Initial Complaint

  Date:01/25/2024

  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.

  This company has repeatedly harassed my family. Upon further investigation, one agent told me that there are actually five companies competing for this debt, and there is no proof that any company contacted us because they do not have access to each others databases, even though they are all seeking the same collections for this debt. *** had conversations with this company before as has my ex-husband and the man named ***** at this company refused to acknowledge that its possible that somebody at his company may have failed to make notes on our prior conversation and sent me off to a supervisor against my wishes when I asked him simply if he even knew my current address. There is a lot more that was inappropriate with this phone calls, but I dont know how much information I should leave here as it is just initial request but to be clear my ex-husband and I have tried to resolve this issue and its been impossible as we have paid multiple companies for the same day just to learn that they dont even work together.

  

  Business Response

  Date: 01/31/2024

  We are committed to directly assisting consumers with resolving complaints and inquiries amicably and we appreciate the opportunity to respond to Consumer.  By way of background a medical healthcare provider (Creditor) has listed one account with our company.  Please note that Creditor maintains ownership of the account and we are merely acting as collector in collection of the debt. 
  
  The account listed on July 14, 2023, in the amount of $831.56 for a date of service of August 28, 2021. On or about July 17, 2023, we delivered to Consumers attention our standard first notice, said notice advising Consumer of her right to dispute the validity of the debt within thirty-days of receiving that notice.  We did not receive a request for verification of debt within that thirty-day period.  The only time we spoke to Consumer was on January 25, ****, and Consumer advised the debt is the responsibility of her ex-husband.  Also, our account notes indicate that we never spoke to Consumers ex-husband.
  
  According to the complaint our company is allegedly engaging in harassing collection tactics.  Our company has been in business since **** helping consumers resolve medical debts on behalf of healthcare providers. Throughout those seventy-five years our company has prided itself on complying with state and federal collection regulations.  Our company is not engaged in any deceitful collection activity as alleged in the complaint.
  
  Upon receiving this complaint, we reached out to Creditor regarding Consumers complaint and Creditor has responded by affirming that the debt is due and owing as guarantor responsibility.  The Creditor also provided us with the itemized statement for the medical service in question. 
  
  On January 30, ****, we placed in the mail a copy of the itemized statement directly to Consumer, at the address appearing on this complaint.  The itemized statement indicates no payments from Consumer or ex-husband, however, it does show adjustments and payments by insurance prior to the account being placed with our company.  Furthermore, the address and phone number on the complaint matches the address and phone number Creditor provided our company to contact Consumer.  We are not aware that this account is placed with any other company.
  
  The Consumer is free to contact us directly regarding this response if she has any further questions once she receives the statement at ************.  Thank you.

• Initial Complaint

  Date:01/15/2024

  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.

  STATE COLLECTION SERVICE placed a $6,300.00 debit on all (3) of my credit reports. The original creditor is Brookdale Senior living, there are a few issues with this account. The account name is for *******************************, I was her power of attorney, but she has passed away in 2021. When she did stay at Brookdale we paid cash for her entire stay, and she left there with a $0.00 balance. I contacted Brookdale and they sent me the ledger showing no money owed. I also contacted STATE COLLECTION SERVICE who placed the debit on my credit reports, and they CANNOT locate the account by name/ date of birth, social security number, or account number. I disputed this amount 2X and i included the document showing we owe no money and it keeps coming back as legitimate. I spoke with the credit buraus and placed another complaint by phone and still comes back as accurate. I have already confirmed with the facility I do not owe them any money, State Collection Services cant even find an account to help me, and I am trying to buy a home and this is bringing my score down and hurting my chances and I want this removed immediately but no one will help me from State Collection Services or the credit buraus. On top of all this evidence this account is not even in my name. State Collection Services phone number is ************. The statements I uploaded are from April 2023, as stated above my great grandmother passed away in 2021 two years prior to this accurate statement of a $0.00 amount owed.

  

  Business Response

  Date: 01/25/2024

  We are committed to directly assisting consumers with resolving complaints and inquiries amicably and we appreciate the opportunity to respond to Consumer.  By way of background senior living provider (Creditor) has listed one account with our company. 
  
  The account listed on January 18, 2021, in the amount of $6,300.00 for services provided by Creditor in October 2020.  On or about January 21, 2021, we delivered to Consumers attention our standard first notice, said notice advising Consumer of his right to dispute the validity of the debt within thirty-days of receiving that notice.  We did not receive any undeliverable notification, nor did we receive a request for verification of debt within that thirty-day period.
  
  Upon receiving this complaint, we reached out to Creditor regarding Consumers complaint and Creditor has responded by affirming that the debt is due and owing as guarantor responsibility.  Creditor also provided us with the itemized statement or account history as well as the Residency Agreement for the above referenced service including the signed Statement of Financial Responsibility form bearing Consumers signature.  Please note that Creditor maintains ownership of the account and we are merely acting as collector in collection of the debt.  Creditor has authorized us to report the account to the ********************** reporting agencies (CRAs)and at this time Creditor has not instructed us to remove the account from Consumers credit report.  As a courtesy to Consumer, we will report said account as disputed.  To reiterate Creditor is the one who has authorized our company to report this account to the CRAs.
  
  On January 24, ****, we placed in the mail the itemized statement, the Residency Agreement, and the Statement of Financial Responsibility directly to Consumer, at the address appearing on this complaint.  Thank you.

• Initial Complaint

  Date:01/11/2024

  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 not liable for this debt with State Collection Service, ***** I do not have a contact with State Collection Service they did not provide me with the original contract as requested 15 USC ****b is a section of the Fair Credit Reporting Act (FCRA), which is a federal law that regulates the collection, use, and dissemination of consumer credit information by credit reporting agencies.The FDCPA broadly prohibits a debt collector from using 'any false, deceptive, or misleading representation or means in connection with the collection of any debt. ' 15 U.S.C. ****e. The statute enumerates several examples of such practices, 15 U.S.C.

  

  Business Response

  Date: 01/22/2024

  We are committed to directly assisting consumers with resolving complaints and inquiries amicably and we appreciate the opportunity to respond to Consumer.  By way of background the medical provider (Creditor) who provided a medical service for Consumer had listed one account with our company. 
  
  The account listed on April 10, 2023, in the amount of $30.70 for a date of service of December 9, 2022. On or about April 13, 2023, we mailed to Consumers attention our standard first notice, said notice advised Consumer of her right to dispute the validity of the debt within thirty-days of receiving that notice.  The address we have on file matches the address of the Consumers complaint.  We did not receive a request for verification of debt within that thirty-day period, nor at any time thereafter.  
  
  Upon receiving this complaint, we researched the account listing at issue and the account was returned to Creditor in the principal amount of $30.70. Please note that Creditor maintains ownership of the account and we were merely acting as collector in collection of the debt.  This account was not reported to the credit reporting agencies by our company.  Thank you. 

• Initial Complaint

  Date:12/11/2023

  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.

  I am not liable for this debt with ************** Of *********, I do not have a contract with State Collection Service, **** they did not provide me with the original contract as requested.

  

  Business Response

  Date: 12/19/2023

  We are committed to directly assisting consumers with resolving complaints and inquiries amicably and we appreciate the opportunity to respond to Consumer.  By way of background medical provider (Creditor) has listed one account with our company. 
  
  The account listed on June 9, 2022, in the amount of $537.08 for a date of medical service of March 28, 2021.  On or about June 12, 2022, we mailed to Consumers attention our standard first notice, said notice advising Consumer of his right to dispute the validity of the debt within thirty-days of receiving that notice.  The address was provided to our company by Creditor.  We did not receive a request for verification of debt within that thirty-day period.  Nor did we receive any direct written or oral dispute from the Consumer outside of this complaint.
  
  Upon receiving this complaint, we reached out to the Creditor regarding Consumers complaint.  Please note that Creditor maintains ownership of the account and we are merely acting as collector in collection of the debt.  Creditor has authorized us to report the account to the ********************** reporting agencies (CRAs)and currently Creditor has not instructed us to remove the account from Consumers credit report.  As a courtesy to Consumer, we will report said account as disputed.  To reiterate Creditor is the one who authorizes our company to report accounts to the CRAs.  Thank you.