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:09/09/2023

  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 ******** MEMORIAL HOSPITAL. I do not have a contract with STATE COLLECTION SERVICE, INC. They did not provide me with the original contract as requested.

  

  Business Response

  Date: 09/20/2023

  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 health professional (Creditor) who provided medical services to Consumer has four active accounts listed with our company for collections.  As we understand Consumers complaint issue,Consumer alleges our company is reporting the four accounts to Consumers credit file and we have not provided the original contract as requested by Consumer.
  
  The spirit of this Better Business Bureau (BBB) complaint number ******** is identical to three other BBB complaints filed by Consumer:20579918, ********, and 20579991.  Since our response is the same for all four complaints, we shall therefore use the response to BBB complaint number ******** as the response to all four complaints as they are duplicative.
  
  The first and second accounts listed on October 14, 2020, in the amounts of $3,725.33 and $12,838.79 with dates of service of August 13, 2019,and October 6, 2019, respectively.  On or about October 16, 2020, we delivered to Consumers attention our standard first notice, said notice advising Consumer of the 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.
  
  The third account listed on December 9, 2020, in the amount of $3,480.13 for a date of service of January 9, 2020.  On or about December 12, 2020, we delivered to Consumers attention our standard first notice, said notice advising Consumer of the 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 fourth account listed on January 13, 2022, in the amount of $17,435.42 for a date of service of January 4, 2021.  On or about January 20, 2022, we delivered to Consumers attention our standard first notice, said notice advising Consumer of the 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 have we had any contact with Consumer regarding these four accounts until receiving these identical BBB complaints.
  
  Upon receiving these complaints, we reached out to Creditor regarding Consumers complaints and Creditor has responded by affirming that the debts are due and owing as patient responsibility.  Creditor also provided us with itemized statements.  Please note that 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 accounts to the credit reporting agencies (CRAs)and currently Creditor has not instructed us to remove the accounts from Consumers credit file.  As a courtesy to Consumer, we will report said accounts as disputed.  To reiterate Creditor is the one who authorizes our company to report accounts to the CRAs.
  
  On September 19, 2023, we placed in the mail copies of the itemized statements directly to Consumer, at the address appearing on this complaint, showing service dates, charges, and descriptions prior to the accounts being placed with our company.  Please note that 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:09/09/2023

  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 *** EMERGENCY CARE CENTER. I do not have a contract with STATE COLLECTION SERVICE, INC. They did not provide me with the original contract as requested.

  

  Business Response

  Date: 09/20/2023

  The spirit of this Better Business Bureau (BBB) complaint number ******* is identical to three other BBB complaints filed by Consumer:********, *******8, and 20579931.  Since our response is the same for all four complaints, we shall therefore use the response to BBB complaint number ******** (response submitted on September 20,2023, at 10:19 a.m. CST) as the response to all four to streamline these duplicative BBB complaints.  Thank you.

• Initial Complaint

  Date:09/09/2023

  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 SMH MEMORIAL HOSPITAL. I do not have a contract with STATE COLLECTION SERVICE, INC. They did not provide me with the original contract as requested.

  

  Business Response

  Date: 09/20/2023

  The spirit of this Better Business Bureau (BBB) complaint number ******** is identical to three other BBB complaints filed by Consumer:********, ********, and 20579991.  Since our response is the same for all four complaints, we shall therefore use the response to BBB complaint number ******** (response submitted on September 20,2023, at 10:19 a.m. CST) as the response to all four to streamline these duplicative BBB complaints.  Thank you.

• Initial Complaint

  Date:09/09/2023

  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 *** EMERGENCY CARE CENTER. I do not have a contract with STATE COLLECTION SERVICE, INC. They did not provide me with the original contract as requested.

  

  Business Response

  Date: 09/20/2023

  The spirit of this Better Business Bureau (BBB) complaint number ******** is identical to three other BBB complaints filed by Consumer:********, ********, and 20579991.  Since our response is the same for all four complaints, we shall therefore use the response to BBB complaint number ******** (response submitted on September 20,2023, at 10:19 a.m. CST) as the response to all four to streamline these duplicative BBB complaints.  Thank you.

• Initial Complaint

  Date:09/01/2023

  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 *** EMERGENCY CARE CENTER. I do not have a contract with STATE COLLECTION SERVICE. They did not provide me with the original contract as I requested

  

  Business Response

  Date: 09/11/2023

  Please note that this complaint number ******** is identical to BBB complaint number 20404316.  Our company response remains the same, please see below:
  
  "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 one active account listed with our company. 
  
  The account listed on January 13, 2022, in the amount of $605.00 for a date of service of February 17, 2021. On or about January 20, 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.  We did not receive a request for verification of debt within that thirty-day period. Nor at any time 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.  Creditor also provided us with the itemized statement.  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.  As a courtesy to Consumer, we are reporting said account as disputed.
  
  On August 10, 2023, we placed in the mail a copy of the itemized statement directly to Consumer, at the address appearing on this complaint, showing a description of medical services and total balance due.  Please note that 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:08/05/2023

  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.

  I have received a collection letter from this organization stating that I owe $250 from March 20, 2020. State Collection Service is stating they are operating on behalf of Advent, a medical services provider but when I reached out to Advent to corroborate this contention, Advent stated that my account was fully satisfied in 2021. State Collection Service is issuing a collection letter without any description whatsoever for the services they claim I owe, nor do they have any documentation backing up this claim. I am requesting that State Collection Service cease and desist these fraudulent activities and are chastised through the appropriate channels, up to and including criminal prosecution.

  

  Business Response

  Date: 08/16/2023

  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) had listed one account with our company. 
  
  The account listed on June 30, 2023, in the amount of $250.00 for a date of service of March 20, 2020. On or about July 17, 2023, we mailed to Consumers attention our standard first notice, said notice advised Consumer of his right to dispute the validity of the debt within thirty-days of receiving that notice before it is considered valid.  
  
  Upon receiving this complaint, we ceased all collection activity and reached out to Creditor regarding Consumers complaint issues.  Please note that Creditor maintains ownership of the account and we were merely acting as collector in collection of the debt.  The Creditor responded by advising our company to close and return the account to ************************ for reprocessing the balance to zero.  On August 16, 2023, the account was cancelled and returned to Creditor.  This account has not been reported to the credit reporting agencies by our company.  Thank you.

  Customer Answer

  Date: 08/16/2023

  
  
  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. 
  
  Regards,
  
  *****************************
  

• Initial Complaint

  Date:08/01/2023

  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.

  This debt with SMH EMERGENCY CARE CENTER is not mine to pay. With STATE COLLECTION SERVI, I am not under any kind of agreement. I asked for the original contract, which they did not give me.

  

  Business Response

  Date: 08/11/2023

  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 one active account listed with our company. 
  
  The account listed on January 13, 2022, in the amount of $605.00 for a date of service of February 17, 2021. On or about January 20, 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.  We did not receive a request for verification of debt within that thirty-day period.  Nor at any time 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.  Creditor also provided us with the itemized statement.  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.  As a courtesy to Consumer, we are reporting said account as disputed.
  
  On August 10, 2023, we placed in the mail a copy of the itemized statement directly to Consumer, at the address appearing on this complaint, showing a description of medical services and total balance due.  Please note that 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:07/27/2023

  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 *********************, I do not have a contract with State Collection Service, Inc., they did not provide me with the original contract as requested.

  

  Business Response

  Date: 08/08/2023

  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 one active account listed with our company. 
  
  The account listed on August 20, 2022, in the original amount of $1,045.33 for a date of service of March 21, 2022.  Creditor has authorized our company to charge interest on this account at the rate of *****% per year on the unpaid principal. The current account balance is $1,126.97.  On or about August 22, 2022,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 a request for verification of debt within that thirty-day period.  Nor at any time 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.  Creditor also provided us with the itemized statement and the executed Consent to Care and Treatment form.  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. As a courtesy to Consumer, we will report said account as disputed.
  
  On August 8, 2023, we placed in the mail a copy of the itemized statement and the Consent to Care and Treatment form directly to Consumer,at the address appearing on this complaint, showing adjustments and payments by insurance prior to the account being placed with our company.  Thank you.

• 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.

  Received a letter from State, informing me that I am in collections for a bill that I resolved through PayPal. I was never billed by the merchant for this amount. There was a dispute I filed with PayPal and I was credited twice by PayPal by mistake. I returned the merchandise, and paid back PayPal for the extra credit. I put this billing in dispute with State on 6/15, and submitted documents/proof as provided to me by ******. it has been 3 weeks, and there is still no resolution. I have called State numerous times, and thwy that the merchant has not responded, or they are still saying I owe the amount of $70.03. I do not owe this money. No bill should ever go into collections without communication in the form of billing. No one is responding to my dispute b

  

  Business Response

  Date: 07/17/2023

  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 retail merchant (Creditor) had listed one account with our company. 
  
  The complaint is mostly directed towards Creditor, over any specific activity or conduct by our company. The account listed on May 19, 2023,in the amount of $70.03.  On or about May 20, 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.
  
  Upon receiving this complaint, we forwarded it on to Creditor for their investigation into this matter.  Please note that Creditor maintains ownership of the account and we were merely acting as collector in collection of the debt.  Any billing adjustment must be made by Creditor.  This account has not been reported to the credit reporting agencies by our company.  On July 14, 2023, the account was cancelled from collections and returned to Creditor as disputed.  Thank you.

  Customer Answer

  Date: 07/17/2023

  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.]in .y complaint, I have stated that I filed a dispute with State and sent proof of my not owing anything, more than 1 month ago. To date, I have no acknowledgement of the dispute filing, or a response from the merchant. This is almost 2 months later. I have provided proof from PAYPAL. 
  
  Regards,
  
  ***********************

  

  Business Response

  Date: 07/24/2023

  As we understand Consumers reply to our response to Consumers complaint issue, Consumer states that she has disputed the account formerly listed with our company.  Consumer further states she has not received a response from the retail merchant (Creditor) regarding her dispute.  On July 19, 2023, we received a written response from Creditors ********* Communications regarding Consumers complaint, and we are attaching said response to this complaint reply for Consumers review.  Thank you.

  Customer Answer

  Date: 07/24/2023

  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 

   

  The merchant never offerred to refund me. It was a store credit only and I never used this store credit, nor was I advised tgere was a time limit. Also, the ***** was refunded to them from PAYPAL  as I paid it back to them, and they stated it was going back to the merchant. I have provided documents from PayPal to prove this. I have not used the store credit as the merchant should well know!

   

   

  
  Regards,
  
  ***********************

  Customer Answer

  Date: 07/25/2023

  I would like to add the following points:

  
  

  1- The merchant states that they would have issued a full refund. In my response yesterday,  I stated that I was told by the merchant that I could only receive a store credit. I never used this credit, and still have the " letter" from ***************** which includes the gift card and pin numbers. Contrary to the merchant' s response, even though the gift card is no longer in their system, it is still redeemable by reinstatement, and once completed,  a refund will be issued to my PayPal. I was given this information by a Woman Within representative last night, who reinstated the gift card. 

  2- I do not owe Woman Within any money, as proven by the PayPal documents submitted in my dispute. In fact, they owe me $56.44, which is the amount of the gift card.  ( purchase amount minus non refundable shipping)

  3- At point of sale, there were no visible statements regarding third party vendors, or return policies regarding purchases through them. 

  4- Woman Withins policies are poorly dislosed at point of sale, or not disclosed unless you search for them

  

  Business Response

  Date: 08/03/2023

  As we understand Consumers replies to our most recent response to Consumers complaint issue, the Consumer raises additional concerns with her product purchase experience with retail merchant (Creditor).  To reiterate our original response, the Creditor owns the account at issue; and said account was returned to Creditor on July 14, 2023, as disputed.  Our company is a separate entity from Creditor and as such we are unable to comment on the specifics of the transaction since they are directed at Creditor.  Thank you.

  Customer Answer

  Date: 08/07/2023

  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 

  I have had 0 correspondence from the merchant, billing or advisement that anything  was going to collections-your company. There is no correspondence of any monies owed, except from your company. 

  Claims put forth by your company of money owed, have been disputed through your website with documents included for proof of no money owed to your client. 

  To date, I have no response regarding my dispute, which was submitted  on 6/15, not 7/14. 

  Since the only correspondence I have received is from your company, again no billing from the merchant, I expect a response to my dispute. It has been 2 months!  Please advise asap.

  How do I know those dispute is actually from the merchant and not your company?
  
  Regards,
  
  ***********************

• 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 received a billing from State Debt Collection for medical services I received through Capital Medical. I was seen in the ** department and was placed in a hallway to wait to be seen. I sat in the hallway for hours, and finally I checked myself out. I was NOT admitted and received no services other than sitting in the hallway. I received a bill for approximately ******* I called to give them my insurance information as I have ******** and it was not billed. I was told they would recalculate and send me a new billing with itemized billing and standard charge information. I then received a bill from State **** Collection increasing the original ******* to ******* with a total amount due of ********. I called to let them know this billing amount is incorrect and that I would not be paying that amount. Clearly these cannot be standard charges for something that was not rendered. The posted account number is ********. I fear this must be a scam? Something just does not add up. Please let me know if there is any further questions or clarifications needed. Thanks in advance for your time. *********************

  

  Business Response

  Date: 07/14/2023

  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) had listed one account with our company.  Please note that Creditor maintains ownership of the account and we were merely acting as a servicer in collection of the debt.
  
  The account listed on March 21, 2023, in the amount of $3,358.58 for a date of service of November 14, 2022. On or about March 24, 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 on Consumers complaint.  We spoke to Consumer on April 19, 2023, and she requested an itemized statement.  On May 24, 2023, we spoke to Consumer again and she provided us with insurance information, which we provided to Creditor.
  
  On June 22, 2023, Creditor advised our company to adjust the balance due by adding back in the self-pay discount of $5,037.87 in order to have the insurance that Consumer provided billed properly.  This brought the balance back up to the original amount owed of $8,396.45 for the medical services provided.  On July 12, 2023, Creditor advised our Company of an insurance direct payment of $2,325.78 and a credit adjustment of $6,070.67 bringing the balance to zero. With the account balance being resolved the account was returned to Creditor on July 12, 2023.  Thank you.