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Description

This company provides debt collection and accounts receivable management.


BBB Accreditation

A BBB Accredited Business since

BBB has determined that State Collection Service, Inc. meets BBB accreditation standards, which include a commitment to make a good faith effort to resolve any consumer complaints. BBB Accredited Businesses pay a fee for accreditation review/monitoring and for support of BBB services to the public.

BBB accreditation does not mean that the business' products or services have been evaluated or endorsed by BBB, or that BBB has made a determination as to the business' product quality or competency in performing services.


Reason for Rating

BBB rating is based on 13 factors. Get the details about the factors considered.

Factors that raised the rating for State Collection Service, Inc. include:

  • Length of time business has been operating
  • Complaint volume filed with BBB for business of this size
  • Response to 65 complaint(s) filed against business
  • Resolution of complaint(s) filed against business


Customer Complaints Summary Read complaint details

65 complaints closed with BBB in last 3 years | 18 closed in last 12 months
Complaint Type Total Closed Complaints
Advertising/Sales Issues 0
Billing/Collection Issues 59
Delivery Issues 0
Guarantee/Warranty Issues 1
Problems with Product/Service 5
Total Closed Complaints 65

Customer Reviews Summary Read customer reviews

8 Customer Reviews on State Collection Service, Inc.
Customer Experience Total Customer Reviews
Positive Experience 0
Neutral Experience 0
Negative Experience 8
Total Customer Reviews 8

Additional Information

BBB file opened: January 03, 1995 Business started: 01/01/1949 in WI Business started locally: 01/01/1949 Business incorporated 01/04/1949 in WI
Licensing, Bonding or Registration

This business is in an industry that may require professional licensing, bonding or registration. BBB encourages you to check with the appropriate agency to be certain any requirements are currently being met.

These agencies may include:

Wisconsin Dept of Financial Institutions
345 W Washington Ave, Madison WI 53703
http://www.wdfi.org
Phone Number: (608) 261-9555
Fax Number: (608) 261-7200
askthesecretary@dfi.state.wi.us

Type of Entity

Corporation

Business Management
Mr. Thomas D Haag, Chairman/CEO Mr. Terry Armstrong, President Ms. Tracy Dudek, Director of Sales Marketing & Client Satisfaction Mr. Tim Haag, Client Services Manager Ms. Tina Hanson, Vice President Ms. Mona Sen, Marketing Associate Mr. Marc Soderbloom, Compliance Officer Mr. John Stetzenbach, CFO/COO
Contact Information
Principal: Mr. Thomas D Haag, Chairman/CEO
Customer Contact: Mr. Marc Soderbloom, Compliance Officer
Business Category

Collection Agencies Collection Systems Collection Agencies (NAICS: 561440)

Method(s) of Payment
State Collection Service accepts all forms of payment including cash, check, debit card, credit card (with the exception of Discover Card), money order, and Western Union.
Industry Tips
Collection Agency-Credit Counseling-Facts For Consumers Credit Report-Understanding Your Credit Report

Customer Review Rating plus BBB Rating Summary

State Collection Service, Inc. has received 0 out of 5 stars based on 0 Customer Reviews and a BBB Rating of A+.

BBB Customer Review Rating plus BBB Rating Overview

Additional Locations

  • 2509 S Stoughton Rd

    Madison, WI 53716 (608) 661-3000 (800) 477-7474

  • 655 3rd St
    Ste 302

    Beloit, WI 53511

  • 801 S 60th St Ste 140

    W Milwaukee, WI 53214

  • PO Box 6250

    Madison, WI 53716

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BBB Customer Review Rating plus BBB Rating Overview


BBB Customer Reviews Rating represents the customers opinions of the business. The Customer Review Rating is based on the number of positive, neutral and negative customer reviews posted that are calculated to produce a score.

Customer Review Experience Value
Positive Review 5 points per review
Neutral Review 3 points per review
Negative Review 1 point per review

BBB letter grades represent the BBB's opinion of the business. The BBB grade is based on BBB file information about the business. In some cases, a business' grade may be lowered if the BBB does not have sufficient information about the business despite BBB requests for that information from the business.
Details

BBB Letter Grade Scale

BBB Rating Value
A+ 5
A 4.66
A- 4.33
B+ 4
B 3.66
B- 3.33
C+ 3
C 2.66
C- 2.33
D+ 2
D 1.66
D- 1.33
F 1
NR -----
Star Rating scale

  Average Score
5 stars 5.00
4.5 stars 4.50-4.99
4 stars 4.00-4.49
3.5 stars 3.50-3.99
3 stars 3.00-3.49
2.5 stars 2.50-2.99
2 stars 2.00-2.49
1.5 stars 1.50-1.99
1 star 0-1.49

BBB Customer Review Rating plus BBB Rating is not a guarantee of a business' reliability or performance, and BBB recommends that consumers consider a business' BBB Rating and Customer Review Rating in addition to all other available information about the business. If the BBB Rating is NR then only Customer Reviews are used for the Star Rating.

Complaint Detail(s)

5/24/2016 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: After years of receiving services from a physician at a hospital, I suddenly started to receive rude, demanding, sketchy phone calls from a woman who would only tell me that she's calling for a "financial matter," and said woman rudely demanded I give her all of my personal information before she would even tell me who she was with, or why she was calling. I finally, after many, many phone calls of the same nature, instructed her to send me documentation of whatever she's calling about. I received a letter in the mail, claiming that I owe previously said hospital a balance of $502.86. I was very concerned, for many reasons, mainly because I still receive services at this hospital, and not once did this hospital ever notify me that I had an outstanding balance, which I would have certainly, immediately paid. I called the phone number printed on the document. I had a few questions, but I was more than willing to immediately pay the balance. A woman simply answered this business phone number by saying, "Hello?" There was no mention of the company name, which immediately raised a red flag for me. I thought I had the wrong number. I said, "Oh, I'm sorry. I must have the wrong number." She quickly and rudely snapped at me and said, "Is this ****** ********?" Taken aback, I responded, "Ahhh. I'm confused. I called you, and you're asking me my name? Who is this?" I was then quickly aware with whom I was speaking as soon as this woman very rudely snapped, "I'm not telling you anything. I don't have to tell you a thing until you tell me your name, date of birth, and address." Excuse me?! Ugh....here we go again. This whole entire situation wreaks of **scam.** If this woman or "business" isn't scamming me, then they certainly have the poorest business and customer service practices of anyone I've ever encountered in my entire life! I went back and forth with her approximately two more time. She became more rude, if it was possible, and aggressive. I told her that I was, in no way, talking to her anymore. I then called the hospital where I receive treatment. I will pay them directly.

Business Response:

The consumer claims she was treated rudely and was concerned about calls regarding the account since “not once did this hospital ever notify me that I had an outstanding balance, which I would have certainly, immediately paid.”  We note that the consumer called the creditor on June 15, 2015, after the services were provided, and asked why the creditor was billing her.  The creditor explained the billing.  The consumer was apparently not satisfied with the response and indicated she wanted the balance removed.  The account was not paid and the account was eventually placed with our office for collection on February 7, 2016.

We placed our first call to the consumer on March 2, 2016.  The consumer called our office on March 3, 2016.  She asked who we were and we identified ourselves as State Collection.  The consumer indicated that if we weren’t going to identify ourselves, she wouldn’t wait to be transferred.  The call ended.  The department she was to be transferred to called her and received a voicemail message on the consumer’s phone.  The consumer called again on March 3, 2016.  The consumer verified her date of birth and we informed her of the reason for the call.  The consumer indicated that she didn’t believe she owed the account because she had continued to see the creditor and didn’t know anything about the balance.  We offered to send an itemized statement.  We did send the itemized statement on April 27, 2016.  On May 4, 2016, we called the consumer.  At this point, the account representative did not provide an adequate explanation for why we were asking the consumer to verify who she was before we could inform her of the purpose of our call.  As we are required by state and federal laws to protect the privacy and security of information, we do require confirmation of the person we are speaking with.  We will address this issue with the account representative involved.  Finally, on May 9, 2016, on the last call with our office, our account representative did not handle the call according to our policy.  The account representative should have discussed the account with the consumer.  This is being addressed.

On May 10, 2016, the creditor reported to us that the account was paid by the consumer.

5/10/2016 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: For months now they have been calling my elderly parents house and my cellular phone looking for my ex wife and her current husband. They have never lived here, never used us as a reference and frankly we have not spoken for nearly a decade. It appears this agency is just pestering anyone in the same town with a similar last name. The calls are excessive, computerized and no one answers when they pick up. My elderly father fell and hurt himself the other day trying to answer one of their calls. There are complaints all over the internet about unanswered calls coming from their number, ###-###-####.

Desired Settlement: I want all calls to the numbers listed in my contact information to cease immediately. If they believe they have personal business with anyone here legitimately (even though the computer asks for,***** ******* and ****** ******* who do not live here) they can send us a letter.

Business Response: We understand the consumer would like calls to the two telephone numbers the consumer provided in the complaint to cease.  We will not contact those two numbers.  

4/23/2016 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: Due to a change of address some medical bills went unpaid in Washington state where I live. The local hospital sent 3 of the 4 bills to collection in Washington state. I contacted the local collection agency over a month ago and paid all bills to a zero balance. Then due to finding out the BlueCross Blue Shield had a data breach I started a identity protection monitoring program which does a credit report and found that fraudulent charges from: State Collections Inc , PO BOX 6250, MADISON, WI 5370###-###-####. Since I have never traveled to Wisconsin I called them. Which took four times since they kept hanging up on me. Finally I spoke with a woman identifying herself as Ashley, who then transferred me to Linnea; neither of them would give last names. Linnea said she must have my full social security to look up the account for collection. Then Linnea said that it was a medical bill in collection from a hospital in Washington state. I questioned since the bills were paid over a month ago, to a local collection agency with in Washington state; Why did they have my information? for which I didn't receive any answer. I was told the bill was only $4.00 and was marked to be canceled. I then asked for a confirmation number to ensure that it was canceled, and was told by Linnea that she could not give me one, until the bill is actually canceled. Linnea said its suppose to be canceled but has yet to be processed. The Hospital dose not know how this company got my information, the local collection agency said the bills are paid in full. This is a SCAM to acquire my person information using a fake medical bill and then claim, don't worry its only $4.00 dollars, we will canceled it, yet they aren't willing to provide proof of that happening.

Desired Settlement: I want a written retraction of this fake bill on all of my 3 credits bureaus reports from State Collections Inc , PO BOX 6250,MADISON , WI 5370###-###-####. I want written conformation that this company cant steal my personal information or medical information and sell it. I want them to pride proof that the have a legitimate right to collect for a second time a debt ALREADY PAID.

Business Response: The consumer believes we were collecting a "fake" bill, requests removal of the account from her credit report, asks that we confirm we cannot steal her personal and medical information and won't sell it, and, finally, would like us to provide proof we have a right to collect a debt that was already paid.  As we discussed with the consumer on April 7, we identified ourselves and the name of the creditor.  The consumer asked for our account number, the creditor's account number, the date of service and the amount of the bill.  We provided all those details.  What we did not tell the consumer was that the creditor placed the account with our office on 9/5/15 and that the creditor reported two payments to our office, one on 9/21/15, and the second on 3/21/16.  Together those two payments satisfied the principal balance placed with our office.  As we informed the consumer on April 7, the account was in a cancel status at the time of her call.  The balance remaining was the interest allowed under Washington law and as allowed by the creditor.  There is no such thing as a "cancellation" number.  We did request removal of the account from the consumer's credit report.  That may take time to be reflected on her credit report.  We confirm that we cannot steal her medical or personal information.  Protection of such information is extremely important to us and our clients.  We are not authorized to sell any debt and we do not, as a company, work any debt that has been purchased.  As indicated, the account is paid and is being cancelled as paid in the ordinary course of business.  Please do not hesitate to contact our office should there be additional questions.

3/15/2016 Billing/Collection Issues
3/11/2016 Billing/Collection Issues
3/9/2016 Billing/Collection Issues
2/12/2016 Billing/Collection Issues
2/11/2016 Billing/Collection Issues
12/23/2015 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: This is the SECOND time that I have to inform this company that this bill has been paid. I sent this company a copy of the canceled check about two weeks ago. This harassment has got to cease as this bill has been paid. Check number **** dated 30 October 2015 in the amount of $19.66 cleared my account on 4 November 2015.

Desired Settlement: State Collection needs to review their records & locate where this bill was paid & stop sending me harassing & threatening mail.

Business Response:

The consumer claims an account placed with our office was paid.  She would like us to stop contacting her about the account.  We understand the concern of the consumer.  We agree the consumer paid an account placed with our office, however an additional account was placed after she made payment.  More specifically, an account was placed with our office on October 21, 2015.  That account was paid by the consumer on November 3, 2015.  The same creditor placed a new account with our office on November 18, 2015.  The new account is for the same amount as the first account but it relates to a different date of service.  When we received a dispute from the consumer on the new account, we contacted the creditor to determine if the account had been paid.  The creditor confirmed it had not been paid and we sent the consumer an itemized statement on or about December 10, 2015.  The second account remains due.  If the consumer believes this account was also paid, we will need proof of payment to provide to the creditor.  We apologize for any confusion regarding the two accounts.

As the consumer has requested we not contact her, we have marked the account accordingly and will not contact her unless we hear from her otherwise.

 


Consumer Response: [A default letter is provided here which indicates your acceptance of the business's response.  If you wish, you may update it before sending it.]

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,
***** ****

12/20/2015 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: A drunk driver crashed into a car that I was a passenger in. I and my husband where rushed to the ER to receive care. We sued the drunk driver and with the over year long process out of many medical bills this one bill some how did not get paid. We were insured by our attorney and the insurance company that all bills will get paid. In regard to this bill with Infinity healthcare we were told after many many phone calls that this particular bill that State Collection Service, Inc has went back and fourth from the Heath Insurance company and the Auto Insurance company. We were told that each one thought that the other one was going to pay for it. Our criminal case against the drunk driver was settled in 2014 July. We have ask multiply times that State Collection Service, Inc either settles the debt or work with the Health Insurance company or Auto insurance company to get the debt paid. They have refused

Desired Settlement: State Collection Service, Inc settle the debt or give back to Infinity Health. Contact Health Insurance or Auto Insurance for payment.

Business Response:

The consumer would like to settle the account placed with our office or return the account to the creditor.  The consumer appears to claim that she asked us to settle this or work it out with the insurance companies.  Before addressing the complaint, we do wish to state that we are sorry to hear that the consumer and her husband were the victims of a drunk driving accident.  We understand how difficult it must be to deal with the consequences of such an accident.

In reviewing this account, we note that the consumer has stated on several occasions that she would contact the insurance company to determine why this account was not paid.  It is not our responsibility to follow up with the insurers and we waited to hear from the consumer while she followed up with the insurers.  The consumer has also called several times asking to settle the account.  On each occasion we told her we cannot settle the account. On one occasion, after telling her we could not settle the account, the consumer proceeded to call the creditor and told the creditor that she had contacted our office and alleged that we could not find the account.  We had obviously just discussed the account with her.  On the same day this occurred, the consumer filed this complaint with the BBB.  We are not authorized to settle this account at this time.  We are not returning the account to the creditor.  We are willing to work out reasonable payment arrangements if the consumer cannot pay the account in full.

11/30/2015 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: On9/18/2015, I requested written validation of an alleged debt Acct#******** THE alleged creditor failed to validate this alleged debt under FCRA and FDCPA, which their silence is their acquiense per************* *********** *** **** ************ *** *** ******* ****** ****** ******** *****. Delete it.that “ State Collection Servi” claim I owe, but to no avail did they validate the date or even responded.I would like to request your help with a problem that I am having with “ State Collection Servi” on “9/18/2015” I requested a validation of debt from “ State Collection Servi ” . I have yet to receive a response - their silence is their agreement to the facts. “ State Collection Servi” failed to provide me with a legal validation of this account under the rules of evidence and the FDCPA within30 days ? 809. Validation of debts. I am demanding that “ State Collection Servi” delete this account from all credit reporting agencies(Experian,Equifax,TransUnion), because they have not abided by the laws of the Federal Trade Commission. Also, State Collection Servifailed to notify me about reporting derogatory info. In section 603(p) 15 U.S.C. ss168s-2(a)(7)(A)(I); “The notice required under subparagraph (A) shall be provided to the customer prior to, orno later than 30 days after" State Collection Servi ******** ",furnishing the negative information to a consumer reporting agency described in section 603 (p),’ 15 U.S.C. ss 1681s-2(a)(7)(B)(I). Plus broke commercial law under UCC ? 9.501 that all notices were timely and properly given by dated certified mail receipt. They were not met. I asked for documentation & received no response

Desired Settlement: Therefore, they have tacitly agreed that they are using unfair and deceptive means to collect a debt. I demand they cease and desist any and all collection efforts and immediately remove any derogatory reporting to all the credit reporting agencies.Any further action will constitute their tactic agreement that they are attempting to collect debt using unfair, abusive and deceptive collection practices and I will take immediate legal action and notify the **** and **** ******* * **** * **** ******** ******** if not removed immediately

Business Response: The consumer states he sent a written dispute to our office regarding an account that appears on his credit report.  He would like the account removed from his credit report.  Our records do not reflect that we received a written dispute on this account.  However, we do note that this account was cancelled from our office and returned to the creditor on or about June 3, 2013.  At the same time the account was cancelled, we made a request to the three major credit reporting agencies to remove the account from credit reporting.  Since the consumer alleges the account remains on his credit report, on the day we received this complaint, we made an additional request to the credit bureaus to delete the account from the consumer's credit file.  If the account remains on his credit report, he should provide us with the information showing this is on his credit report and we will work with him and the credit bureaus to resolve this issue.

11/30/2015 Billing/Collection Issues
11/30/2015 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: I am writing to make you aware of the unethical business practices of the State Collection Services. In my case, my understanding is that State Collection either purchased or was hired to collect an alleged debt by Presence ********. I noticed this when I pulled up my credit report and saw a collection for $1504 coded more than 180 day late. State Collection Services put this on my report 6/1/15, my understanding is that they did not have this claim until 5/27/2015 at the earliest. State Collection made absolutely no attempt to verify or collect the claim, instead, the first move was to go right reporting on a credit report. I have a hard time believing that is a "better business practice". The representative claimed they tried but had the wrong address, but that doesn't match up with the dates. Before I contacted State Collection Services I had never received any correspondence from their firm. (no mail via USPS, no email and no phone calls to my home or cell). They made no effort to seek me out, and I had to seek their firm out after finding a significant reduction in my credit score last week. I regard their action in affecting my credit rating without seeking out any sort of appropriate contact inappropriate and unethical. In speaking with their representative (their firms phone # was listed on my credit report from Experian), I was able to learn that this debt was purchased by your firm from ********/*** *** in around June of this year, and that it pertains to an service on 6/4/12 for which they can provide no further details or documentation. For your further information, I have never received any correspondence of any kind from ********/** ***’s ******** regarding this matter. I have had the same address and home phone number for over 20 years and the same cell number for over a decade. I have always maintained comprehensive medical insurance, and would have been able to resolve any matter regarding an outstanding balance due had the billing staff from ********/*** *** or State Collection Services had they made any attempt to contact me. I have requested a validation of debt validating this claim, a detail bills for services and any signed documents verifying this claim, both by certified mail and over the phone. The response was a State Collection Service is a letter saying amount owed with no details other than amount of 1504.00 I asked them for the details, and their response is completely ignoring my request for any verification and / or validation.

Desired Settlement: I am looking for State Collection Services to immediately remove the negative mark from all agencies. Provide me all the detailed information I would need to verify and validate the claims, including at a minimum the details and cost of any services provided and any release of claim by Presence ********.

Business Response: The consumer states he was not contacted about an account placed with our office and has requested additional details regarding the account.  We mailed a validation notice to the consumer at the address provided to us by the creditor on or about June 13, 2015. Our records show that we have made a total of 77 calls to telephone numbers provided to us by the creditor. The account was submitted to the three major credit bureaus on or about August 4, 2015. (The consumer states it showed up on his credit report on June 1, 2015. The account was not placed with our office until June 2. It may be that the consumer is actually seeing the date of placement of the account with our office on his credit report).   We did speak with the consumer (on October 27, 2015 and on October 28, 2015) regarding the account and informed him that the account had been placed with our office on June 2, 2015. On October 28, 2015 we made a request to the creditor to obtain an itemized statement. On November 3, 2015, we received the consumer’s written dispute. We obtained the itemized statement and have, since the filing of this complaint, mailed it to the consumer at the address he provided to us on October 27, 2015. Since the address he provided to us was different than the address we had on the account, we did request removal of the account from his credit report to allow him time to review the itemized statement. We are also requesting the additional information regarding insurance billing, including any insurance payments and adjustments, since although the itemized statement reflects an insurance company, it isn’t clear if there were any payments or adjustments. As soon as we receive that information from the creditor we will provide it to the consumer.

11/6/2015 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: A bill was sent to this agency. I have paid on the bill and submitted the complete amount. I should have a $100 credit. We called and requested a payment history to show how the money was applied to the balance months ago and have not received anything. Repeated calls to the agency have resulted in no change of status. The company has continued to call and harass our home about this debt which has been paid in full. We are just frustrated and at this point irritated so this is why i am filing the complaint. It's just a bad way to do business.

Desired Settlement: All I am hoping for is to resolve the issue completely by getting a final statement, close our account and for the company to refund my over payment in a timely manner. The BBB is the closest thing i have to a collection agency in this matter. Thank you for your time.

Business Response:

The consumer states a bill was paid that had been placed with us, had requested a payment history and believes a refund is due.  We apologize for the delay in tracking down the payment.  After the consumer disputed the initial accounts placed with our office, additional accounts were placed.  The request to the creditor about the payment on the first accounts placed was delayed due to placement of additional accounts.  We have been informed by the creditor that the payment for the initial accounts was tracked down by the creditor and has now been applied by the creditor to the correct accounts.  The creditor did have us apply the payment to the initial accounts yesterday and those accounts are shown as paid both with the creditor and in our office.

We understand that a list of all payments made has been provided to the consumer.  If that is not the case, the consumer may contact us.  In addition, we understand the consumer has entered into a payment arrangement for the balances remaining in our office.  We do note that we have attempted to reach the consumer to make sure the payments are being applied to the correct accounts.  If the consumer has not already done so, the consumer is encouraged to contact an account representative to go over this.  It is important to us that the payments are being applied to the correct accounts and that we have accurate balance information.

Again, we apologize for the time it has taken to track down the payment with the creditor.


10/6/2015 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: I filed a previous claim with State Collection regarding a collection on my credit reports and I was told I would receive an itemized bill for the amount owed. I did and paid the amount with the agreement that it would be pay for delete from my report. The CSR told me that it would be deleted from my credit reports on 9/14. I made the payment on 9/10. As of today, the collection has not been deleted and only been updated as a paid collection on my report. Please delete as I have paid and have a receipt to support the fact that I have paid and the customer rep agreed to a pay for deletion.

Desired Settlement: Please delete PAID COLLECTION FROM CREDIT REPORT.

Business Response: The consumer claims that we told her we would delete an account from her credit report if she paid it.  We do record all of our calls.  We reviewed the call in question.  We did tell the consumer we would update her credit file.  It appears from her complaint that her credit file was updated showing a paid collection.  That is accurate.  It now appears that the consumer would like the account removed from her credit report.  Under the circumstances, we will request deletion.

9/11/2015 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: I recently signed up to receive information noted on my credit reports. I saw State Collection Agency on there and called them, as I was being charged for routine preventative dental care and services, in which I had dental insurance for. I asked them to please work with their client and me to take care of issue. The gentleman on the phone was very rude to me, plain condescending really and had a nasty tone and unprofessional. He basically told me they were not willing to work with me, they would not be talking with their client to assist with resolution and that I needed to pay the bill. I asked to speak with his supervisor, who also was unhelpful and unfriendly. I have never written a letter to the BBB, so please understand how rude they were to inspire me to write this. This dental bill, I had dental insurance for and apparently did not bill properly for services. I am being told that I am 100 percent responsible and 100 percent at blame. I don't agree that I am 100 percent to blame for the dentists office mistake-they had all the information needed. while I should've followed up better apparently....I don't deserve to be treated like a dog. I think they could use some classes in effective and therapeutic communication. I told the manager I would be reporting them to the BBB. To my surprise and delight....NOT...they were probably unhappy with me after I told them that and I got an alert on my credit reporting today that they flagged my credit report again for the same accounts, causing my score to drop again. The date of the flag-matched the date of my phone call.

Desired Settlement: I am beyond wanting to receive an apology to them-they were plain rude and unprofessional. i would like them to stop reporting this as a negative account to repeatedly bring down my score, and fix the last reporting which did not need duplicated -I get it-I am in collections, and my credit report reflects that. I would like them to reach out to their client to gather more details-and see if the dentist is even still interested in pursuing this debt. I have personally wrote the dentist within the last week (my extended family all goes there) and also wrote the insurance company GEHA Dental and the invoices in question is in appeals-since the dentist did not do their job and bill as requested to above insurance company. I would like to see them have to take some kind of phone etiquette training or some kind of customer service classes to avoid other individuals being verbally abused in the future.

Business Response: The consumer states she was treated rudely by an account representative and supervisor.  We expect our employees to behave professionally and treat consumers with dignity and respect.  We do record our calls for several reasons, including to address complaints and make sure consumers are treated fairly.  We did review the calls.  Neither the account representative nor the supervisor were as helpful as we expect.  While they each were accurate in explaining the status of the accounts and what we could or could not do with respect to insurance, they could have done so in a manner that would have been better received by the consumer.  We will follow our internal process and address each employee.

We note that the consumer claims we "flagged [her] credit report again for the same accounts, causing [her] score to drop again."  We are required by law to report a disputed account to the credit bureaus.  We did report to the credit bureaus that the consumer disputed the accounts.  If the consumer is referring to this action as the "flagging" of her account, as stated, we are required to report the dispute.  If the consumer believes we did something beyond reporting the dispute, she should contact our Chief Compliance Officer at the contact information provided below.

The consumer has requested we not contact her.  We will not contact her.  We will contact the creditor to see whether the creditor wishes to keep the accounts active in our office and, if so, whether insurance was billed.  We do note from the information provided to us that it appears a primary insurance and secondary insurance were both billed and that the secondary insurance made payments.  However, as our information is limited, we will verify this with the creditor.  We also note that the consumer has followed up with her insurance company and it appears the matter is on appeal at this time.  Again, we will not contact the consumer unless we hear from her otherwise.  We will mail whatever information we receive from the creditor to her though in order to respond to the insurance issue.

While the consumer states she is beyond wanting an apology, we, as a company, do apologize for not providing her the help we expect our employees to provide.  The consumer is encouraged to call our Chief Compliance Officer at ###-###-####, ext. *** if she has any questions or to provide additional information regarding her credit report.

9/2/2015 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: I have had an account at State Collections since 2/15 and have yet to receive any notification regarding my account. I have since paid the balance sitting at State Collections to the medical clinic due to being aware of the collection status and now since 2/15 have had my credit screwed up.

Desired Settlement: I would like to see the payment I sent to the medical clinic in 3/15 applied to the collection balance and it deleted from my credit report.

Business Response: The consumer states she paid this account to the creditor after the account was placed with our office and states she has not received notification that the account was placed with our office.  The account was placed in our office on February 5, 2015.  A letter was mailed to the consumer notifying her of the placement on or about February 6, 2015.  We do not show that the mail was returned.  However, after we forwarded the consumer's complaint to the creditor, the creditor requested we cancel and return the account to them.  It is not clear why the creditor requested return of the account.  We are following up with the creditor to find out why they requested return of the account, but did want to provide this response to the consumer's complaint.  Under the circumstances, we are requesting deletion of the account from credit reporting.  Please note that the deletion may take up to 30 days and that is beyond our control.  If the consumer has any questions regarding this response, she may contact our ***** ********** ******* directly at ###-###-####, ext. ****

Consumer Response: [A default letter is provided here which indicates your acceptance of the business's response.  If you wish, you may update it before sending it.]

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,
***** ******

8/27/2015 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: Bill paid by insurance. Company refusing to remove from credit report. I have been on Medicaid for several years and this collection appeared on my credit report in December. I contacted ACL labs who stated it was an error and I did not owe them and they would contact state collection services. I contacted this company and asked that the debt be removed because insurance paid for it and the customer service representative said they couldn't remove it, I had to pay for it to be removed from my credit report. This was in February of 2015. I just emailed the company today again asking this be removed and have disputed this debt several times.

Desired Settlement: I want this company to cease collection of this bill and remove this debt from my credit report.

Business Response: The consumer states this account is paid, alleges that she contacted the creditor who said the account was placed in error and claims that she called us in February 2015.  We have verified with the creditor that the amount is due.  The creditor does not show that any insurance information was provided.  The creditor also stated that it does not show any recent discussions with the consumer concerning this matter.  We do not show that the consumer contacted our office in February 2015.  In fact, we do not show any inbound calls to our office on this account.  We do acknowledge receiving a dispute from the consumer by email on or about August 17, 2015.  The dispute was forwarded to the client for review. 

If the consumer can provide to us proof of insurance for the service date in question, we can certainly provide that to the creditor.  We will mail to the consumer the itemized statement showing the balance due once we have received it from the creditor.

Consumer Response: [A default letter is provided here which indicates your acceptance of the business's response.  If you wish, you may update it before sending it.]

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.  If, however, the company does not follow through with what they have claimed they would do in their response, I fully intend to contact the BBB again. I hope this matter can be resolved. I will provide the company with proof of insurance as requested. However, I did in fact contact the company on every occasion that I stated and truly resent their claims to state I didn't.

Regards,

****** *****

7/6/2015 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: When I pulled my credit report I found a bill with State Collections Services for a medical bill that I wasn't aware that I owed as I had paid the hospital directly when the bill was incurred. I contacted State Collections to discuss this matter and they said that they would pursue it with the hospital and send me an itemized bill within 30 days. it has been almost 90 days and I have no correspondence from them. I have been communicating with them via e-mail, but since I requested proof 90 days ago, I have heard NOTHING from them, yet this debt is still appearing on my credit report. If they don't provide proof of this obligation in the next 30 days, I will notify all 3 credit reporting agencies that this is not bill....and in fact appears to be fraud by State Collections. If you review their response to other complaints, they give a pat-answer - which shows they're inability or desire to work with individuals to resolve these errors/issues. Poor way to operate a collection agency!

Desired Settlement: Remove this false claim against me from all credit bureaus, and change their collection practices to work with only accurate data! Send confirmation that this mistaken account has been removed from their system.

Business Response: The consumer states he believes the account we are collecting was paid, that he had requested an itemized statement and that he had not yet received an itemized statement.  The consumer did contact us by email on March 29, 2015 requesting an itemized statement for an account that had been placed in our office for collection on September 27, 2013.  We let him know by email on March 30, 2015 that we were requesting the itemized statement and that it could take up to 30 days to receive.  On June 21, 2015 the consumer notified us by email that he had not yet received the itemized statement.  On June 22, 2015, we notified the consumer by email that we did not have the itemized statement to mail to him but that we were requesting deletion of his account from credit reporting.  We apologize that the itemized statement was not provided in a time frame that we prefer.  We will mail the itemized statement to him once we receive it from the creditor.

Consumer Response:


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,

 

**** *******

 

 

 

7/6/2015 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: I was in contact with State Collection regarding accounts that they had for me in March & April of 2015. I was doing a refinacne of my vehicle and was going to use fundsto pay off past due accounts. State Collections faxed a statement to my credit union and all of their accounts were paid in full expect for one outstanding one with MG&E. I spoke with several people, several times, trying to get a statement and telling them what I was doing. I also at this time updated my address and phone number with them. I was under that the accoutn with MG&E was part of a bankruptcy that I had filed in 2006 so I was under the impression that it did not have to be paid. On June 12 when I received my paycheck there was a garnishment in the amount of $236.00. I had to get in contact with my payroll departmetn to find otu what it was for at which time I was provided a copy of paperwork from State Collection for a garnishsment of 20% of my gross paycheck. I was never notified by State Collections of garnishment, the address that they had on the paperwork was a address from 10 years prior. When I contacted them and requested a reasonable payment both of the customer service reps that i spoke with laughed at me when I tried to explain to them that if this full amount continued I would loose my vehicle and my job without my vehicle. After several telephone conversations they did agree to bring the amount down to $150.00 per paycheck. I do not feel as if the is fair. That is still a high amount for a monthly payment and more than what I can afford. If at anytime during the many phone calls that i had with them, or if propoer notice had been sent to me i would have set up a payment arrangement to take care of this debt. They did not properly notify me.

Desired Settlement: A resonable payment plan, such as $100.00 per month.

Business Response: The consumer requests a reduction in the amount taken from her paycheck under a garnishment.  State law sets forth the amount of a garnishment as 20% of an employee's wages after certain deductions.  That is the amount determined to be "reasonable" by state law.  In discussions with the consumer, we agreed to reduce the garnishment amount by over 35%.  The consumer is now seeking a greater reduction than the amount agreed upon by the parties.  If the amount originally agreed upon was not acceptable, we would have preferred that the consumer contact us directly to discuss why the agreed upon amount was no longer acceptable.  We view this complaint as a rejection of the agreed upon payment.  Since the consumer is claiming she did not receive the garnishment, we will discontinue the garnishment even though we don't have any evidence that the garnishment notice was not received.  We will return to her the amount collected under the garnishment.  We will then re-serve the garnishment.  Since there is no longer any agreement regarding a reduction in the garnishment amount, we will follow the amount allowed by state law.

We would also like to address several other statements the consumer made in her complaint.  She claims we laughed at her.  We reviewed the recordings of the calls available to us and we did not hear any laugh other than the consumer's own laughter.  The consumer claims she thought the amount due was discharged in a bankruptcy.  The amounts due were incurred after her bankruptcy and the creditor obtained a judgment against her for those amounts after her bankruptcy.  She and the bank apparently elected not to pay the account as the account did not show up on her credit report (it should have appeared as a matter of public record).

In short, since the consumer has cancelled the agreement we reached with her, we will be (1) refunding the amounts collected under the garnishment, (2) contacting the consumer's employer to stop garnishing any wages, and (3) re-serving the employer and the consumer with the garnishment.

6/23/2015 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: THIS COMPANY PUT IN A $50 THAT WAS PAID BACK IN FEBRUARY FOR COLLECTION FOR MIDWEST PHYSICIANS THAT HAS BEEN PAID AND THEY WERE NOTIFIED BACK IN MARCH THAT IT WAS PAID AND REFUSED TO REMOVE THIS FROM THEIR FILES. RECENTLY THEY FILED THIS WITH THE CREDIT BUREAU DAMAGING MY CREDIT. THEY CONTINUE TO FILE ITEMS WITH THE CREDIT BUREAU AFTER THEY ARE PAID AND REFUSE TO REMOVE THEM. I WANT EVERY FILING THEY HAVE DONE WITH THE CREDIT BUREAU REMOVED AS THEY ARE ERRONEOUS AND NOT RESEARCHED AT ALL.

Desired Settlement: REMOVE ALL NEGATIVE INFORMATION IMMEDIATELY FROM ALL 3 CREDIT BUREAUS ON ALL SUBMISSIONS THEY HAVE MADE AS THEY ARE NEVER ACCURATE AND REPS DO NOT KNOW HOW TO HANDLE. I AM REFERRED BACK TO MIDWEST PHYSICIANS WHO THEN REFER ME TO STATE COLLECTION AND NEVER A RESOLUTION. IN THE MEANTIME THEY ARE DAMAGING CREDIT AND LYING ABOUT OUTSTANDING CHARGES. JUST RECENTLY THEY INPUT AN AMOUNT OF $16 AND SOME CHANGE INTO THE CREDIT BUREAU THAT I KNEW NOTHING ABOUT AND HAVE NEVER BEEN BILLED. THIS HAS GOT TO STOP OF I WILL CONTACT OTHER HIGHER AGENCIES TO LOOK INTO THEIR PRACTICES.

Business Response: Please accept our apologies for not responding to this complaint in a timely fashion.   The consumer states an account we were collecting was paid to the creditor.  The consumer did tell us in a phone call that she believed the account was paid.  As of the time of this response, we do not have confirmation that the account is paid.  Based on the circumstances, we are requesting that the account be removed from the consumer's credit report.  If the creditor determines that an amount remains due, we will contact the consumer and let her know.

The consumer also makes general allegations regarding other accounts.  As the consumer does not specifically identify a particular issue with any account or accounts, we are not able to respond to the general allegations.  We also note that a recent account was placed for this same creditor and the consumer does mention that account.  The consumer states we put that account (she refers to it as a $16 and some change account) on her credit report.  We have not and will not be reporting that account to the credit bureaus.  If the consumer has something showing this account is on her credit report, she should mail that to our office (SCSI, Attn: *********** **** *** ***** ******** ** *****).  

Business Response: As indicated in our first response, we said we'd be communicating with the consumer once we heard from the creditor about payment.  The creditor indicated it had not received the payment.  We sent a letter to the consumer today stating this and requesting a copy of the cancelled check so that we could provide it to the creditor to help resolve the payment issue.

We want to be clear that the only account requested to be removed from credit reporting is the account where the consumer is claiming she made payment.  We do not have any information from the consumer about other payments on accounts we are collecting.  If the consumer has payment information on all the accounts we are collecting, she can provide that to us together with the payment information requested above.

We do wish to help every consumer resolve issues related to the accounts we are collecting.  If there are specific things we have done or not done beyond the specific issue related to the $50 balance, please let us know and we will address each specific issue.  Once we receive the information showing payment to the creditor for this account or any account in our office, we can forward it to the creditor to research.

Consumer Response:

Better Business Bureau:

I received a letter from state collections that they communicated with the vendor and it shows unpaid.  This is incorrect and I do not accept their response. 

***** ******

 

 

6/12/2015 Billing/Collection Issues | Complaint Details Unavailable
6/11/2015 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: I was contacted by mail from State Collections via mail on March 26th. I sent a letter back the next day disputing this debt and requesting verification of this debt and 30 days to review their response. In that letter I also requested that I only be contacted via mail, and I explicitly said I do not want to be called. I received two phone calls from State Collections before they sent me the verification which is a clear violation of the Fair Dept Collections act. In both calls I stated I had requested no calls in the letter I sent them disputing this debt. Also State Collections has put a collection on my credit reports which is also a violation of the Fair Debt collection act.

Desired Settlement: State Collection is to remove any references to collections on my credit reports I am requesting $1000 for the violations of the Fair Debt Collection act, otherwise I may be forced to take additional actions.

Business Response: The consumer is threatening litigation against us.  It is not our policy to respond to complaints under these circumstances.  We will contact the consumer in writing directly.

Business Response: The consumer states collection agencies must comply with the FDCPA.  We agree.  We are not, however, going to respond to a complaint through the BBB complaint process when the consumer is threatening legal action.  A letter was sent directly to the consumer in the mail on June 4, 2015 regarding the complaint.

Consumer Response:

[A default letter is provided here which indicates your acceptance of the business's response.  If you wish, you may update it before sending it.]

Better Business Bureau:

I have reviewed the response letter sent to me  by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me. 

Regards,

 

***** *****

 

 

 

5/22/2015 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: I had a bill from Alliant Energy sent to State Collection. I started my payment plan of $50 a month in September 2014. On 05/08/15, I call State Collection and requested the following information about my account: 1. Last statement from Alliant Energy 2. Payment Sum**** 3. Documentation showing I was aware of the 5% interest charged to my account The representative told me she did not have that information. When I asked her why I was paying an additional 5% interest, she stated the 5% interest fee was something that was contacted with Alliant Energy and their collections agency. I told her I have never signed a contract stating I would pay 5% interest on my Alliant Energy account. She again stated the contract is with Alliant Energy and State Collections. When I asked her why I was paying it, she referred me to her supervisor. I asked the supervisor the same questions and her response was " I am not sure why you are upset...the account is now paid in full". The conversations were recorded per the agency.

Desired Settlement: I want a refund of the additional 5% interest that was charged illegally.

Business Response: The consumer alleges it is not lawful to charge 5% interest on an account placed with our office by the creditor.  Wisconsin law has long provided that a creditor who is not paid is entitled to charge 5% on the unpaid amount.  The Wisconsin Department of Financial Institutions, the government entity that regulates collection agencies in Wisconsin, specifically provides that such a charge can be added.  There is no requirement that the consumer agree to the charge in writing.  The 5% charge begins accruing on the account once it is placed with a collection agency.  The creditor authorized the addition of the 5% charge.  We are not required to refund the lawfully assessed 5% per year interest charge. 

Please do not hesitate to contact us should additional information be required.

Consumer Response:

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.

When I spoke to the agency that is not what the agency told me. There for i would like a refund or I would like to a director not a supervisor or manager.

Regards,

**** ******

 

 

Business Response: We understand the consumer would like to speak with someone who is an officer or director.  The response to the complaint was submitted by our Chief Compliance Officer.  Please call our Chief Compliance Officer at ###-###-####, ext. 467.  If he is not available, please leave a voice mail message indicating when a good time to call would be and a number to call.  Thank you.

5/8/2015 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: This business is a sub company of state collections agency out of madison wi , it does not properly identify itself by company, type of agency and name of individual of person calling to speak with whom ever. and a few times has dropped me into a HOLD line. all of these items against what wisconsin has set up for thier procedures. also calling every day more than once a day is harrassment. they only ask name to verify which is a privacy issue! ALSO thier account information is inaccurate. and according to a quick search on the net are not accredited to collect debt in the state of wisconsin except by thier own boast on website.

Desired Settlement: for this organization to be investigated and to be properly accredited to accept outstanding balances in this state, as they are currently in CLEAR violation of several state laws... from the identifiers they use to their blatant fake accreditation.

Business Response: The consumer makes several statements that we are not able to respond to as it is not clear what the specific allegations are.  If additional information would be provided, we may be able to address the claims.

The consumer states "this business is a sub company of state collections agency out of madison wi..."  We do not know what the consumer is referring to.  We are State Collection Service, Inc.

The consumer states "it does not properly identify itself by company, type of agency and name of individual of person calling to speak with whom ever."  Given that the consumer states "this business is a sub company" it is not clear if the consumer is saying we do not properly identify our company.  Again, we are State Collection Service, Inc. 

The consumer states "they only ask name to verify which is a privacy issue."  This consumer in a prior complaint to a government agency complained that we had asked for his full social security number rather than just the last 4 digits in an attempt to verify his identity.  It is not clear what the consumer is claiming we did wrong here.

As to the remaining areas, we apologize if the consumer was "dropped" into a hold line and was not able to speak with anyone.  It appears that the consumer was able to speak with someone though given his complaint.  We do not believe calling every day (if we did) or multiple times in one day (if we did) in order to reach someone to discuss an account is harassment.  We do acknowledge speaking to the consumer regarding some accounts that were in fact resolved, which we discovered after our communication with the consumer who said the accounts were resolved.  We are a licensed collection agency in the state of Wisconsin.

4/20/2015 Billing/Collection Issues | Complaint Details Unavailable
4/9/2015 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: Have notified this company to send copies of the bills in question and have not received any. I will not deal with them except in writing and after they provide proof of debt.

Desired Settlement: Stop the phone calls and send via mail copies of the original bills in dispute. Otherwise remove me from your list and clear any references there may be on my credit report.

Business Response: Complainant states he has requested information regarding the accounts we are attempting to collect but has not received anything.  Our accounts do not reflect receipt of any request for information, however, we are sending to complainant the information requested.  We also will stop calls on the accounts in question as he requests until we hear from him otherwise.

Please do not hesitate to contact us if there are any questions.

Consumer Response:

[A default letter is provided here which indicates your acceptance of the business's response.  If you wish, you may update it before sending it.]

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.  However want to specify the following:

I have not received any further calls and thank you.

Clarification:  I did request this information during the last contact with them over the phone approx. 3 months ago.  I am requesting the specific bills not a bill from them.

I will resubmit a complaint if I start getting phone calls again. 

 

 

 

Regards,

 

***** ****

 

 

 

3/26/2015 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: I AM REQUESTING VERIFICATION OF THE DEBT AND NOTICED THAT MY CREDIT REPORT WAS PULLED BY YOUR ORGANIZATION FOR REVIEW. THIS WAS A "SOFT INQUIRY" BUT NOT AUTHORIZED AS I OWE YOU NOR THE ORIGINAL CREDITOR ANY MONEY. IF THIS IS NOT CORRECTED, I WILL SUE.

Desired Settlement: STOP PULLING MY CREDIT AND PROVIDE VERIFICATION OF DEBT FROM THE CREDITOR WITHIN THE NEXT 30 DAYS.

Business Response: The consumer alleges he is not responsible for an account listed with our office.  He does not state why he believes he is not responsible.  He requests verification of the debt within 30 days.  We have verified with the creditor that the amount is due.  We mailed  verification of the account to the consumer today.  If the consumer would like to provide specific information to us on why he is not responsible, he may mail it to: ***** ***** ********** *********** **** *** ***** ******** ** *****.  Upon receipt of that information, we will investigate further.

Consumer Response:

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.  The bill is fraud and not mine.

[To assist us in bringing this matter to a close, we would like to know your view on the matter.]

Regards,

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

 

 

3/16/2015 Problems with Product/Service | Read Complaint Details
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Additional Notes

Complaint: State Collection services sent me a bill for an ambulance debt that I owed to ***** *****. I paid state collection service the amount of $994.00 on August 4th 2014. I got a receipt from them saying I paid the debt. I also got a letter from the ********** ** ******* ******* stating they paid my ambulance debt in December 2014. I called State Collection Service recently to ask for a refund, since the ** had paid my ambulance debt. They claim that ***** ***** was sent a check in the amount of $994.00. I called ***** ***** and they claimed they received the check from the ** and NOT State Collection Service. My account number is ******** from State Collection Service. Since ***** ***** has my ambulance debt paid by the ** in full I should get a refund.

Desired Settlement: I would like my money back because my ambulance debt was paid twice. Once by myself and once by the **.

Business Response: The consumer states he paid an account with our office in August 2014 and that same account was later paid by the ********** ** ******* ******* in December 2014.  He would like a refund.  We agree he should receive a refund of his payment if the ** paid it and we are working on getting that for him.  We spoke to the consumer and asked that he send us the letter the ** sent him showing the payment made to the creditor.  He has agreed to do that.  We will be sending a copy of the ** letter to the creditor  when we receive it and also show the creditor that we sent payment to the creditor.  Unfortunately, as the creditor no longer lists accounts with our office, we have not been able to resolve this issue without the ** letter.  We will continue to work on this with the consumer until he receives the refund to which he is entitled.  The consumer has the direct contact number for our ***** ********** ******* and has been encouraged to call him if the consumer does not hear from him in the next 10 days.

3/14/2015 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: I received a notice in the mail from State Collection Service Inc. To start the debt is invalid. Secondly, the debt is over the statute of limitations for my state. When I called to inquire, the gentlemen ****** had no idea. When I informed him that I was registering a formal dispute as I don't owe the hospital anything from the time frame in question nor have I ever received a bill from the hospital current due or past due stating I owed anyone this amount. I included the fact that I have worked for collection agencies all my life up through being the director of operations for two of the largest agencies in the country (#2 in the country which was then purchased by the #1 agency)and know that the date of the supposed debt was well past the statute of limitations for my state, he put me on hold and came back and said that the hospital had actually recalled the account a few days after placement and so there was nothing in their records any more. Mind you he had located the 'now non existent account' in their system using my name and the phone number I called in on originally, could see it was recalled but now has nothing in the system? I was thankful and merely asked that a letter confirming the account being recalled and no longer collected by State Collections be sent to me for my records.Both ******(the gentleman that answered) and ******* * (the supposed supervisor who refused any more of his last name than *) refused to send me anything confirming my account was in fact closed and returned and to redirect my inquiries to the original creditor. *** * did confirm that I was right in that since it hadn't been 30 days since placement of the account they couldn't have reported the account to the credit bureaus but again refused confirmation of this. I ended the round and round conversation indicating that if I do not receive a paid in full or closed and returned notice from State Collection Service Inc. in the mail within the next 7 days I have no choice but to pursue this matter further.

Desired Settlement: I'd expect at this point, at minimum a letter of apology for the way the agents attempted to deceive me and sweep my requests under the rug. I would also like confirmation in writing that #1 the account was not sent to any credit reporting agencies at any point, # 2 that the debt is invalid and finally #3 that the account is closed and returned at State Collection Services Inc. along with why it was recalled -either the creditor discovered the debt was invalid or at minimum referred in error.

Business Response: The consumer requests a letter from us indicating the account was not sent for credit reporting, the account was "invalid," that we no longer have the account and the reason we no longer have the account.  We did send a letter to the consumer explaining what happened, that the account was never sent for credit reporting, that it was returned to the creditor and why it was returned. 

2/6/2015 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: On January 14, 2015, I called after receiving a bill from State Collection Services. I spoke with "*****". I informed her of the account number that was listed on the bill, and that I had mailed a check in the amount of $30.94 and the check number, with the Account number listed and "paid in full" for this account number. I was told by "*****" that there were other outstanding accounts under a different account number, that remained unpaid. I informed "*****" that I was unaware of these other bills, and that I was requesting a itemization of such as time was of the essence, for these bills. She stated that she would send and verified my address with me. I also stated that I wrote on the back of the statement that upon receipt of this check that I wanted them to contact ALL Credit Reporting agencies, to clear this debt as paid in full with the associated account number. On January 23, 2015, I had to call a total of 3 times, the first time was with Associate "******" who said she needed to transfer me, in which I was put on hold, for approx 10 minutes, then the line went dead. On January 23, 2015, I called back and spoke with "*****" who also put me on hold and after a couple of minutes a "*********" answered. I quickly told"*********" the reason that I was calling was about the status of this check. She informed me that the check had been received on January 20th, 2015, but that it was under review. When asked what that meant she was unable to tell me. "*********" had told me at the beginning of the call that she was going to be able to answer any and all questions regarding my issues. I promptly asked for a Supervisor, she stated that they were all in a meeting and that I would have to call back, and she gave me another number of "800- 477-7474. I promptly called the number and had to choose for a operator, the operator told me that I needed to speak with yet another "Specialist" and I asked to speak with a Supervisor , yet again. I was put on hold for a total of 3 times while the "Operator" attempted to get a Supervisor. Finally, "*******", who identified herself as a "team leader" only and NOT a Supervisor. I told her the whole story yet again, and she informed me that the check was being held under review because of 2 reasons, #1, that I had asked for them to update their Credit Bureau report upon cashing of the check for this payment as payment in full, and #2, because I had written Account # ****** 2 separate bills (1) for $24.62 and (2) for $6.32 total of $30.94 and had written account paid in full on the memo line of the check. She stated that she would send a E-Mail to the "cash department" that I called but most likely the check would be sent back to me in order for me to write yet another check for the same amount but to leave off "PAID IN FULL" I told her that I would not write a check for a account with out stating that this account number was paid in full. This would leave me open to the possibilities that they would add more to this account that I owed for. I at this time informed them that I was quite nervous that my check is sitting there uncashed, plenty of money in the account for it to clear, and that they were refusing to apply this dollar amount to the account that I was listing off. I also, told "*******" that if the check had not been cashed by Thursday, January 29th 2015, due to unsecure feelings from this company that I would be stopping payment for this check and the dollar amount. Their refusal to accept the check and returning the check back to me, is refusal of monies for a bill that is due. I still do not have proof that there are other bills outstanding under the account number of ******. The call was disconnect by both parties. I am waiting for either a letter containing my check or proof that my Check has cleared my Account.. and that this account is paid off in full ..

Desired Settlement: I am wanting this check for $30.94 to be applied to Account Number ****** and acknowledged as "Paid in full".

Business Response: The consumer expressed concern about hold times, calls being transferred and a check not being posted.  The consumer requests confirmation of the check being applied to the correct accounts and an acknowledgment that the accounts are paid in full.  We spoke with the consumer today and apologized for not being as helpful as we could have been on the initial calls.  We explained that the check has been posted to the accounts requested and those accounts are paid in full.  The consumer has the direct number for our ***** ********** ******* in the event she has any questions.

1/3/2015 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: After repeated attempts to resolve an inconsistency in the amount owed to the collection agency “STATE COLLECTION SERVICE INC” for medical bills to Dean Clinics and there refusal to provide documentation that I can verify as an actual debt owed I have notified them that this debt is in dispute. The bill reported to me by dean clinic on January 10 of 2014 is for $627.70, account number xxxxxxxxxxxxxxxxx and is for the same amount as the first notice sent to me on February 2, 2014 from State Collection Services with the same account number. One month later no March 21, 2014 a new bill for $1418.16 with a new account number (xxxxxxxxxxx) arrived and I asked for clarification and received none even after repeated attempts and requests for a complete accounting and information clarifying the nature of the new charges. During each of the correspondences I also continued to maintain payments of $25.00 each month asking for verification of the debt owed.

Desired Settlement: full disclosure of information or dismissal of account /accounts not verified

Business Response: The consumer is requesting information related to accounts we are collecting.  We have responded by letter today directly to the consumer's spouse as the consumer's spouse is the person we have spoken to regarding the payment arrangements.  We do acknowledge receiving letters from the consumer also.  The letter to the consumer's spouse contains the sequence of events relating to the balances we are collecting.  In summary, two accounts for the same creditor were placed in our office over a period of time.  The first account was placed in September 2003.  Two payments were made on that account.  A second account was placed in January 2014.  We spoke with the consumer's spouse on March 6, 2014 concerning the balance of both accounts.  The consumer's spouse agreed to make payments over a period of six months, at which point the payment plan would be reviewed.

We spoke again with the consumer's spouse on March 20 at which point the consumer's spouse said she would make payments (lesser sum than agreed to earlier) again over a six month period of time.  On that same date we mailed a list of accounts to the consumer's spouse.  We received one payment in April.  In May we received a payment and a letter requesting we "confirm this balance via statement."  We again mailed the list of accounts on May 30, 2014.  On July 23 we spoke with the consumer who did not mention anything about the balance we were collecting but did say we should talk with his wife concerning the balance.  On or about August 6, 2014 we received a payment and a letter requesting we "confirm this balance via statement."  On or about August 11, 2014 we mailed a letter acknowledging the payment and showing the balance on the accounts.  It was mailed again on August 21 and September 9.  On September 24, we spoke with the consumer's spouse who indicated that payments were being made and that the check was in the mail but that payments or letters were being returned as the wrong address was being used (although we do note that some correspondence from the consumer was sent to a letter vendor address, but those letters did make their way to our office with payments).   On October 7 we spoke again with the consumer's spouse who agreed to catch up her payments.

On October 25, consumer mailed a letter stating he wanted us to "confirm this balance via statement" but also added that we had not provided him with any information regarding the accounts.  He also included a copy of a letter dated September 10 addressed to us which he acknowledged was returned to him based on a bad address.  The September 10 letter acknowledged receipt of our statement.  He also stated the total amount due did not correspond with the total due on the account number he had and requested "further documentation...verifying the debts."  At that point it became clear that the consumer was requesting information beyond what we had mailed on five previous occasions.  Our process at that point would have been to contact the creditor to obtain itemized statements and send them to the consumer's spouse.  We did not follow that process on two occasions and we have followed up with the employees involved to make sure they understand the importance of following the process.  We do apologize for the misunderstanding regarding the earlier requests and the inconvenience experienced related to the request for information in the October 25 and November 15 mailings.

As indicated above, we are mailing today to the consumer's spouse the information requested.  The consumer's spouse is also requested to contact the person signing the letter if there are any questions.

10/19/2014 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: Dear sirs, I am just writing this complaint because i have just noticed out of nowhere that this company is requesting money from me. It looks like it just went in to collections a few days ago . I have never heard of this company. I have never been contacted by them in writing that I do owe such a debt. I am current on all of my bills and do not know who these people want or claiming that I owe. I thought there policy a collection company is supposed to take is by sending you a 30 day notice to see if a debt is valid. And then you can either dispute or pay. Well I have never received a letter or a call. And I have lived at this address for plenty of years and had the same exact number. I would like a letter to be sent to me to see if I am even the correct person that is being accused of this debt. If it isn't my debt then I should be given the chance to dispute it. I would appreciate this to be done the right way and send me a letter of what I am being accused of and if by chance it is my debt then I would be allowed to dispute the debt or pay it within the 30 days and have it removed from my credit report. I do believe that just throwing collections on peoples credit reports without notifying them is just wrong. And many of the complaints that I have read about this company says that this is what they do.

Desired Settlement: I believe that they should send you a letter and give you 30 days to either decide to dispute or pay the debt and if the debt is yours and you do pay within the 30 days it should be removed from your credit reports with all of the credit bureaus. Like I said, I have not received any attempts at all in writing from this company and I have never received a phone call. The first that I knew about this debt is today when I checked my report. People are supposed to be given this right and as I can see this company just throws bills on peoples credit reports without their knowledge.

Business Response: The consumer believes a notice is required to be sent before an item is submitted to a credit reporting agency.  Under the circumstances presented here, there is no law that requires a notice be sent to the consumer prior to the account being submitted to a credit reporting agency.  The consumer has requested that a letter be sent to him regarding the account  We are sending him a validation notice.  If he does not receive it in the next five days, he may contact our office directly to discuss the account. 

10/14/2014 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: I am filing a complaint against ***** ********** who has been harassing me this entire year over a charge of $9.48 which was paid to them by ********* ******** **** **** *** on Nov. 15, 2013. They cashed the check #****** on Nov. 25, 2013. I have attached copies of the EOB and the check. I have called ***** over and over again and they always said that they saw the payment on their records and to disregard the invoices they sent me. On June 10, 2014, I called and spoke to Vanessa. She said that this payment was recorded on their records and she would clear my account. But instead of doing that, they sent the charge to State Collection Service who sent e a letter dated June 15, 2014. I contacted the collection agency by telephone, but they refused to believe that the payment ***** received was for a different date of service and then they hung up on me. On June 20, 2014, I called ***** once again and spoke to ****** who promised to stop the collection agency. The debt collection agency called me on June 25, 2014, to collect this debt and once again I told them that it had been paid. On June 26, 2014. I called ***** once again and told them that if this matter was not resolved, I was going to file a complaint against them with the BBB. I thought that it would stop there, but instead, on August 30, 2014, the collection agency sent me another letter dated August 12, 2014, along with a copy of *****'s open receivables by customer which they said I had asked for but I never did ask for anything but a release of these charges.

Desired Settlement: I want this issue resolved at once so that it does not affect my credit rating and I want it IN WRITING from the State Collection Agency and from *****. Thank you.

Business Response: The consumer appears to be making a complaint against the creditor.  We are not able to respond to any of the concerns she expressed regarding the creditor other than to state that the creditor did request that the account be cancelled and returned to them on September 2, 2014 and that we notified the consumer in writing of this fact by letter dated September 9, 2014.  However, we do wish to note the following.  The consumer called our office on June 20, 2014 and spoke to an account representative who informed the consumer that there was still a balance remaining on the account after insurance had paid the account.  The account representative did not hang up on the consumer during that call.  We also note that we sent a letter dated August 12, 2014 to the consumer in response to her statement that she had paid the account in full.  She says she did not request that information but when she disputed the account we verified the amount with the creditor and obtained the information from the creditor to deliver to her.

The consumer states she wants something in writing from us and the creditor.  As indicated, we previously sent the consumer a letter stating the account was cancelled and returned and that no credit reporting occurred. 

9/30/2014 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: This business holds a debt from *** ****** ******** of ******* ********, that they claimed to have filed with the state of ******** **** ***** **** ****** who then filed with **** ** ******. And that ****** denied it due to a wrong number given! **** ** ****** says they never received any claim. I have called this business several times and they refuse to investigate with *** ***** ********. They (** *****) cannot provide proof that a claim was filed with ** **** or that it was denied. Therefore I believe that State Collection Service is negligent in not investigating and verifying the debt before obtaining it.

Desired Settlement: I want this debt deleted off of my report unless they can show proof that claims were filed with ****** and Denied by ******. They cannot...I have tried several times. **** from special claims with **** ** ****** says nothing was ever filed with them. St Mary's made a mistake or lied and State Collection Service bought out an invalid debt.

Business Response: The consumer claims we bought an invalid debt, have refused to investigate his claim that insurance was not billed and wants the item off his credit report unless we can show insurance was billed.  Before providing a detailed response, we wish to address the issue of the debt being purchased.  We do not purchase any debt.  The accounts are placed in our office for collection by the creditor.

As for the response, we previously responded to a similar complaint by the consumer in January 2014.  In that response we provided the following detail.  The account was placed with our office on May 28, 2012. A letter was sent to the consumer's address on or about May 30, 2012 notifying him that the account was placed with our office for collection. We had no contact with him, other than sending the letter, until January 9, 2014. On January 9, he called our office regarding his account. He said he received a bill after the services were provided and contacted the creditor. He said he provided insurance information to the creditor and had not heard from the creditor since that time. We advised we would be obtaining an itemized statement for him. On January 9, we began the process of requesting the itemized statement from the creditor based on his call. Upon receipt of his January 14, 2014 complaint, we contacted the creditor regarding the specific information regarding insurance. The creditor states that it provided the services to him on September 1, 2011. It then sent statements to him at his address on September 9, September 21 and October 21, 2011. On November 9, 2011, the creditor received a call in which the creditor was provided insurance information. The creditor submitted the account to the insurer for payment. It submitted the account to **** *****-********. We understand that **** *****-******** would then have forwarded the claim to **** *****-******. On December 1, 2011, the creditor received a denial of the claim. Apparently, the number provided was not correct. On December 21, 2011 and January 21, 2012, the creditor again sent statements to him. Since the creditor never received a response, the account was placed with our office on May 28, 2012. The creditor takes the position that the account is due and owing.

The consumer then filed an additional complaint yesterday, claiming there was an issue between **** *****-******** and **** *****-******.  We reviewed the account again and attempted to call the consumer.  There was no answer and no opportunity to leave a message.  Since we were unable to speak to him, we responded to the second complaint with the following information:.  We reviewed this complaint and the prior complaint and attempted to call him to discuss the current complaint. However, when we called we received an automated message that the consumer did not have a voicemail box set up. After we responded to the prior complaint, the consumer called our office on April 25, 2014 to see about getting the account paid and also mentioned that his taxes had been intercepted and wondered if that was for this bill or another medical bill he had. He called us again on June 6, 2014 and said he wanted to resolve the account if we could and stated that he may have been at fault for not responding to the creditor. Eventually, we suggested he contact the insurer. We had not heard from you until the complaint yesterday. It is not clear from this current complaint exactly who he was stating is at fault. He seemed to state that this is an issue between two insurers (**** ***** ******** and **** ***** ******). We said we do not have any control over the insurers. As indicated in the prior response, insurance was billed. Ultimately, a medical bill that is not paid generally remains the responsibility of the patient receiving the services. We have provided all the information we have and obtained from the creditor in the prior complaint. He mentioned an attachment to the complaint, but we did not see one, so we offered to have him forward the information to us to review.  We said he can send it to: SCSI, ***** ********** ***** **** *** ***** ******** ** *****. As mentioned in the prior response, we also said he can call our Compliance Department directly at ###-###-####, ext. 467.

Accordingly, at no point have we refused to investigate this with the creditor.  In fact, we contacted the creditor, they gave us the sequence of events and we informed the consumer of this in January 2014.  His subsequent contacts with our office have been to offer to pay.  We are not in a position to request deletion of this account from the consumer's credit report under these circumstances.

Business Response: We spoke to the consumer on September 19 at the number provided in his BBB complaint.  We discussed the insurance billing issues and the consumer's ultimate responsibility for accounts regardless of any insurance billing issues and indicated we would follow up with the creditor to determine how the creditor wished to proceed.  We did so and the creditor has informed us that it is requesting cancellation and return of the account from our office.  We have cancelled the accounts and requested deletion of the accounts from credit reporting.  If the consumer has any questions regarding this matter, he may contact us at the number we previously provided.

Consumer Response:

[A default letter is provided here which indicates your acceptance of the business's response.  If you wish, you may update it before sending it.]

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. As long as its done in a timely fashion, which appears that way. Thanks for your time.1

Regards,

 

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

 

 

 

9/26/2014 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: Agreed to settle on a price that they were to run on my credit card, instead they ran my card for an additional 3% on top of the agreed amount without my consent. I called them, they said they have to review the tape, still have yet to hear back from them on this issue, but I also recorded our conversation and after listening to it again, no mention of an additional charge was ever mentioned at any point.

Desired Settlement: Refund my 3% and stop making fraudulent charges on cards for terms that were never agreed upon.

Business Response: The consumer states he was assessed a charge on a credit card payment and he had not agreed to it.  We agree.  Our process is to notify the consumer that a fee associated with payment by credit card may be assessed and offer the consumer with alternative payment options.  That process was not followed.  After receiving this complaint, we did contact the consumer and let him know this.  We are processing the refund request and we will contact him on Monday.  The consumer does have the direct number and extension for our ***** ********** ******* if there are any questions.

9/16/2014 Problems with Product/Service | Complaint Details Unavailable
9/8/2014 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: On April 30, 2012 I had my credit reports pulled. There was a $311 collection account with State Collection Service that I did not recognize. I wrote dispute letters to all three credit bureaus on May 22, 2012. State Collection Service "verified" this with all three credit bureaus. Supposedly, the account in question was with Alliant Energy, who I do not owe any money to. On July 27, 2012 I sent a Verification of Debt letter to State Collection Service via certified mail. There was no response. So, I again sent letters to all three credit bureaus informing them of this. The erroneous item was not removed. All in all, I sent several periodic requests to the credit bureaus to remove this item of the next two years. Each time, letters came back stating that it was "verified", which is impossible. One last time I sent a certified letter to State Collection Service via return receipt request, that was signed for by Eric Lewis, on April 28, 2014. Still no response. This is the only blemish on my credit reports & is costing my scores dearly. I am a stand up guy & always pay my bills. I want this item removed from all three credit reports ASAP. Sincerely, ******* ********

Desired Settlement: Immediately remove this item from my credit reports.

Business Response: Consumer states he has submitted disputes to the credit reporting agencies and to this office.   He alleges we verified the accounts with the credit bureaus and never responded to the requests sent directly to our office.  As the consumer stated, he did submit many disputes to the credit bureaus regarding the account.  We did in fact verify each dispute.  The consumer also sent two letters to our office.  As he indicated, he sent a letter to us dated July 27, 2012 requesting validation of the account.  On or about August 14, 2012 we mailed to the consumer at his address a copy of a statement we obtained from the creditor showing him the amount of the bill.  Our records do not show that the mail was returned.  On April 28, 2014 we received the consumer's dispute again.  On that same date we once again mailed the creditor's statement to the consumer with a cover letter at the address given by the consumer in his letter.  Our records do not show that the mail was returned.  Accordingly, we believe we have responded in an appropriate fashion to the dispute letters.  We see now that the consumer is using a different address than the address contained in his prior letters.  We can certainly mail the statement again to the consumer at his new address.

The consumer states he does not owe any money to the creditor.  He does not indicate why he does not owe the money.  That is, he's not saying he paid the account.  If the consumer has additional information as to why he believes he does not owe the money, he can send that directly to:  ***** ***** *********** **** *** ***** ******** ** ****** 

8/22/2014 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: On May 15, 2014, I received a letter from State Collection Services, Inc. for monies owed to Creditor ******* ****** *******. I disputed the amount owed to ******* and faxed the document, which was received by State Collection Services, Inc. on June 13, 2014. I agreed to a Stay order from with ******* ****** around late December of 2013 because the house was empty and pipes had burst. I am disputed the bill because temperature set at 60 degrees for 4 months should not equate to $579.76. I spoke to ***** at State Collection and she mentioned something about past tentant bill. Again, the proper steps were not honored to ensure that I am being held responsible for obligations that I agreed to and am responsible for. Any past due tenant bills should be between the *******, their collection agency and that tenant, not me. I am as clueless today as I was when I sent in my dispute. I requested that the item be deleted from my credit report, but she stated that it cannot be deleted until the matter is resolved. My credit report has taken a major hit and laws were put into place to prevent this from happening. According to my credit report the account was placed May 15, 2014. This is the same date on the letter I received.

Desired Settlement: Once I have received accurate meter readings from the time the Stay order began and the time it ended, I will make arrangements to pay that amount with State Collections, I will get those exact dates from ******* ******. This account needs to be deleted from my credit report, as it would have not been reported if the dispute would have been honored and copies of bills sent to me, allowing for either more information or payment arrangements.

Business Response: The consumer alleges that the creditor's bill seems high under the circumstances and that she requested information regarding the account.  The consumer requests information relating to the account and further requests removal of the account from her credit report.  The account was placed in our office on or about May 13, 2104 and as consumer acknowledges a letter notifying her of placement of the account was mailed on or about May 15, 2014.  On or about June 13, 2014, we received a letter from the consumer so we contacted the creditor to obtain information regarding the account.  We obtained that information on or about July 16 and mailed it to the consumer on or about July 22, 2014.  The account was also reported to the credit bureaus on or about July 22, 2014.  In a phone call with our office on July 29, 2014, the consumer indicated she had not received the information we mailed.  After receiving this complaint, we again contacted the creditor to obtain additional information and the creditor provided it to us.  We will once again mail this information to the consumer.  The information provided by the creditor shows both electric and gas charges for January, February and March of 2014.

We can certainly work with the consumer on the account and address any credit reporting issue.

Consumer Response:

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.

[To assist us in bringing this matter to a close, we would like to know your view on the matter.]

Regards,

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

 

 I have been unable to speak with State Collection Agency.  My calls will not through.  I am unable to speak about the collection being deleted from credit reports.  Because it was prematurely sent to the credit bureau, I do not see why my request is unreasonable.  I did receive the information about the bills and it is still unclear if the readings were estimates or actual.  However, once this matter is deleted from my credit report, I can make payment arrangements with payments debited from my checking account.

 

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

Business Response: We wish to address the consumer's issue about not being able to contact us.  Please let us know what telephone number you are calling in an attempt to reach us.  We want to make sure you are calling the correct company and department.  Please also provide us with the telephone number you are calling from so that we can check our system to see if we are receiving inbound calls from that telephone number.  She can contact us at ###-###-####, ext. *** and leave a detailed message or call ext. *** to speak with our ***** ********** ******* to provide this additional information.

We wish to address the consumer's issue concerning payments.  The consumer will make payments, it appears, even though the consumer has questions about whether the bills reflect estimated or actual usage.  We believe the information provided to the consumer reflects the actual usage.  We also believe that the account was properly submitted for credit reporting under the circumstances.  We can work with the consumer on payment arrangements and credit reporting, but the consumer will need to discuss that with an account representative.

In short, if the consumer provides us with the additional information regarding her attempts to reach us, we can help her with that issue.  She can also contact an account representative to discuss payment arrangements.

8/7/2014 Problems with Product/Service | Read Complaint Details
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Additional Notes

Complaint: My wife (**** *****) and I spoke to the collection agency about past due accounts that were in her name. Account #'s #******** ********* ******** * ********. We apologized about not paying, but explained our reasoning behind it. We were in the military and got stationed in Germany at the time and did not realize this was an issue. As soon as we found out, we called and talked to a representative regarding the accounts. After explaining, we all agreed that if I pay my wife's accounts in full, then they would delete them from the collections account. We paid them and since I did, they only deleted half of the accounts. I have disputed these numerous times but I have yet to get them deleted as agreed. The latest dispute even shows that the reporting date for account #******* is 2012, the reporting date should be 2007 like the rest.

Desired Settlement: Deletion of credit report entries.

Business Response: The consumer states he spoke with our office about four accounts in his wife's name and then gives those account numbers.  He also states he paid the accounts and that we agreed to remove them from credit reporting if the accounts were paid.  We have reviewed our system and the account numbers provided do not correspond with any accounts for the consumer's wife.  We did locate four accounts in our office based on the consumer's wife's name.  We do not show that the consumer called us to explain the reason for the accounts not being paid.  The accounts remain unpaid.  Perhaps the consumer has our agency confused with another agency.  If not, the consumer can provide us with proof of payment by sending proof of payment to: SCSI, Attn: Compliance Department, **** *** ***** ******** ** *****.  He can also call our Compliance Hotline at ###-###-####, ext. *** and leave a message and time for our Compliance Officer to call him to provide any additional information.

Business Response: The consumer states he has a credit report that shows the accounts are paid.  The consumer may send a copy of the credit report to our office at the address provided in our first response so that we can further investigate this issue.
The consumer states he spoke with an account representative about the accounts.  We reviewed the accounts we could based on the consumer's wife's name.  There are no recent calls on those accounts.  In order to further investigate this claim, the consumer can provide us with the date and time of the call and the name of the person he spoke with.
The consumer states there's no reason the account numbers from the credit report would not be correct.  Again, the consumer may send a copy of the credit report showing this information so we can investigate this further.  None of the account numbers in the original complaint correspond with the accounts we were able to locate based on the consumer's wife's name. 
We had offered the consumer a telephone number to call to discuss his concern.  As of this time, we have not received a call from him.  We had offered him to send proof of payment of the accounts, but he does not indicate in his response whether he intends on sending the proof of payment to our office.  We have made every attempt to address the issues raised.

Consumer Response:

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 called the number provided two days ago and spoke to 3 reps regarding this account!! The company states that if I send information yet again, they will further investigate. Same garbage I have heard for years, I am truly exhausted. I will not send another  'round' of information. It seems this is all for the BBB, and just a show. I am done

Regards,

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

 

 

7/26/2014 Guarantee/Warranty Issues | Read Complaint Details
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Additional Notes

Complaint: We have contacted State Collections several times to work out an arrangement to pay both of our balances in full, with the guaranty that the delinquency be removed from our credit reports. We know that this is a common practice with debt collectors and my husband was told approximately 2 months ago by a supervisor that this was possible. They did offer to remove my debt, after it was paid in full, but would not provide me with this statement in writing before I paid, stating this was not their policy. I do not want to pay the debt and have it left on my credit report, negatively effecting my credit. My husband was making monthly payments on his balance but after 1 year State would not renew the agreement and demanded payment in full, with no guarantee that it would be removed from his credit report.

Desired Settlement: We would like State Collections to provide a written guarantee that they will remove the delinquency on both our credit reports upon receipt of payment in full for both accounts.

Business Response: The consumers would like "a written guarantee that they will remove the delinquency on both our credit reports upon receipt of payment in full for both accounts."  While we are not able to "guarantee" the removal of accounts from a consumer's credit report since we do not have control over the credit reporting agencies, we can agree, under the circumstances,  that we will request removal of the accounts from credit reporting upon payment of the accounts in full.  The response to this complaint will serve as written confirmation.

The consumers should send a letter to our office with the payment in full confirming our agreement to request removal of the accounts upon payment in full.  If the consumers have any questions regarding this, they may call our Chief Compliance Officer directly at ###-###-####, ext. ###.

5/27/2014 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: This business has been reporting to Experian,Equifax and transunion (credit agency) delinquent accounts that were never my responsibility, nor my name. I was made to pay off several accounts without proof who they belonged to, with the promise if I did this , they would remove all of the negative accounts.. Every time I tried to have them give me an account number and an amount and who it was for I was met with rudeness and employees not helping me. I was told in order to have them take those accounts which didn't belong to me off the credit report I had to pay them. Which I did. They have up to this day not removed those accounts that belonged to me off my credit report nor notified the reporting agency they were paid in full. I had reached out to this agency to take care of these things that were on my report. I have tried many times by phone to have someone correct this situation to be told at least on 4 occasions it would be rectified. I was told on 3 occasions I would be sent a receipt for my payments and shown exactly which accounts I paid and who they belonged to , and have nothing to this day. Each time I called in the past I was treated unprofessional, with rudeness and avoidance of the truth. ,for the past month and a half i have called 1-2 times a week f, I have been told conflicting information each time. on several occasions I was told I didn't pay anything and there was no record, while other occasions I was told everything was paid off. Only to have them report a new so called charge? They also have put accounts on my credit reports which are duplicate accounts. They would not verify each account individually of each charge and from each person charging and for who was the charge incurred for. They seemed to lump charges together and then duplicate those on my report and have been doing this it appears for years. I have not looked at my credit report for many many years so I was unaware of just how inaccurate things were. I believed what they told me to find out it was inaccurate. ,

Desired Settlement: I was and am entitled to see proof of charges they claimed I owed and validation these accounts even belonged to me or that I was the responsible party. I am entitled to removal of all negative accounts that were unjustifiably put on my credit report, and thus lowered my credit score all these years. I want all accounts listed on Experian,Equifax and transunion with the name of State collection services investigated from an outside source and/or totally and completely removed from these agencies and my report. I want a letter being written and put on my credit report stating their mistake and the negative effects it has caused. I am entitled to the duplicate accounts they put on my credit report to be totally removed, and not just with a paid. I am entitled to see every account with each individual charge and not just lumped together from each provider. I am entitled to financial compensation for monies I gave that went to pay duplicate accounts.

Business Response:

The complainant makes many claims regarding our handling of several accounts in our office.  We are responding to each of her concerns as they are raised in order to address each issue.

Claim:  This business has been reporting to Experian,Equifax and transunion (credit agency) delinquent accounts that were never my responsibility, nor my name. I was made to pay off several accounts without proof who they belonged to, with the promise if I did this , they would remove all of the negative accounts..

Response:  On May 7, 2014, we found one account that was reporting incorrectly that was not the consumer’s responsibility.  If there were other accounts that were reporting incorrectly, we assume that those were removed on or about May 1, 2014 after the consumer spoke with a supervisor about the accounts on her credit report.  When the consumer called us on April 17, 2014, she stated she wanted to pay her daughter’s account.  In a call with our office on May 1, 2014, we advised that we would be requesting removal of any accounts that were not correctly reporting and we have done so.

Claim:  Every time I tried to have them give me an account number and an amount and who it was for I was met with rudeness and employees not helping me. I was told in order to have them take those accounts which didn't belong to me off the credit report I had to pay them. Which I did.  

Response:  The consumer specifically asked for one of our employees because she was helpful.  The consumer thanked the supervisor she spoke to on May 1, 2014 for his help.  There were two occasions when the consumer was transferred to different employees who admittedly did not provide the help we would expect from our employees.  At no time did anyone tell the consumer that she had to pay accounts which didn’t belong to her in order for them to be removed.  As mentioned above, the consumer was very specific about paying off her daughter’s account.

Claim:  They have up to this day not removed those accounts that belonged to me off my credit report nor notified the reporting agency they were paid in full. I had reached out to this agency to take care of these things that were on my report.

Response:  We have reviewed the reports from Experian and TransUnion.  All accounts are showing as paid as of May 7, 2014 with the update reflecting that as of April 2014.  The one account for the daughter is showing as paid also, but as mentioned above, a request to delete that account was made.  On May 1, 2014, the consumer called to say the accounts were on her credit report.  We advised the consumer that it may take the bureaus up to 30 days to reflect the paid or deleted status.

Claim:  I have tried many times by phone to have someone correct this situation to be told at least on 4 occasions it would be rectified. I was told on 3 occasions I would be sent a receipt for my payments and shown exactly which accounts I paid and who they belonged to , and have nothing to this day.

Response:  On April 17, the consumer called us.  In that first discussion, we informed the consumer of the accounts in our office.  We went over the balances and it was during that discussion she said she wanted to pay her daughter’s account.  That discussion was just over 30 minutes.  At the end of the discussion, the consumer asked if we would call her back as she wanted to check to see about some accounts that she was surprised were here and to see if she could go ahead and pay them after discussing this with her husband.  We attempted to call her back after 15 minutes, as she requested.  We tried again a bit later.  The consumer called us back and spoke to two different people in an attempt to speak with the employee she requested.  As stated above, we do not believe those two were as helpful as they could have been.  About 10 minutes after that call, the employee the consumer wanted to speak to called her back and the consumer voluntarily made payments on all of the accounts.   We told her to call us in a couple days to request a receipt as we waited for the payment to process.  On April 23, 2014, the consumer called us.  The consumer wanted to know which accounts were for her, which for her daughter and which were for her son.  She provided us the account numbers and we provided the names of those who received the services.  We said we’d send a receipt for the payments.  Unfortunately, since the accounts were in an inactive status (they were all paid), the employee did not follow the appropriate process to obtain the receipts.  That employee has been addressed about the proper process for obtaining a receipt on a paid account.   On May 1, 2014, the consumer called us again and said new items were placed on her credit report.  The first person she spoke with was not very helpful and she transferred the consumer to a supervisor.  The supervisor went over the accounts with the consumer, told her it can take up to 30 days for the accounts to be updated and said we’d send out a list of payments.  That call seemed to go very well.

Claim:   Each time I called in the past I was treated unprofessional, with rudeness and avoidance of the truth. ,for the past month and a half i have called 1-2 times a week f, I have been told conflicting information each time. on several occasions I was told I didn't pay anything and there was no record, while other occasions I was told everything was paid off.

Response:  As stated above, the consumer’s questions were addressed.  We do not show any calls coming into our office other than those mentioned above.  We agree that on occasion two employees were not able to locate payments that were made, although one employee corrected herself and was able to provide the information the consumer was looking for on April 23.  While it is not an excuse, there were many accounts that were involved with some accounts having been paid some time ago, which may have caused confusion for the employees.  Again, each employee involved has been or will be addressed regarding this issue.

Claim:  Only to have them report a new so called charge? They also have put accounts on my credit reports which are duplicate accounts.

Response:  We are not sure about the reporting of a new charge or about duplicate accounts that the consumer refers to here.  If the consumer has additional information, we can certainly review that.  We show that two accounts reported to Experian (or were reporting as of May 7, 2014).  One of those was reporting in error as it was related to the consumer’s daughter.  Both are showing zero balances.  TransUnion is showing eight separate accounts, with one of those being the consumer’s daughter.  There are no accounts that we see as reporting that are duplicate.    All are reporting as zero balances.

Claim:  Claim:  They would not verify each account individually of each charge and from each person charging and for who was the charge incurred for.

Response:  As indicated above, we went over the accounts with the consumer on April 17 and again on April 23. 

They seemed to lump charges together and then duplicate those on my report and have been doing this it appears for years. I have not looked at my credit report for many many years so I was unaware of just how inaccurate things were. I believed what they told me to find out it was inaccurate.

Response:  We are not sure about the claim relating to lumping of charges together or duplicating on her report that the consumer refers to here.  If the consumer has additional information, we can certainly review that.  As indicated above, it appears that with the exception of the one account for her daughter, all items are reporting accurately.

As indicated above, we did mail information to the complainant regarding these accounts.  If the complainant has any questions regarding what was sent or requires additional information, she may contact our ***** ********** ******* directly at ###-###-####, ext. ***.

5/27/2014 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: State Collections Services, Inc. is a collection company that has called me numerous times in attempt to collect a $31.99 debt for services rendered at a ******** ********* ******. (The reason that this invoice wasn't paid at the time of service is because it was submitted to my insurance company.) I have spoken to several representatives at this company and continually request that a bill be sent to me. I've given my address several times, spelling it out slowly for them, yet they have yet to get me this bill. This debt is being reported to credit bureaus on a weekly basis (according to their representative named ***). I offered to give my email address so they can send me a bill but they are unable to do that. Today 5/14/14 I received another phone call and was extremely disappointed to be harassed again as they cannot provide me with a bill. I explained that I will not give anybody any of my personal financial information if I don't even have proof that the money is owed. The company representative (***) was apologetic and again verified my address and phone number. I asked her what she would do about reporting this to the credit bureau, she said that she couldn't do anything and the debt will continue to be reported because it is owed. She did concede that the original statement from ********* **** **** ****** must have never gotten to me either because of the incorrect address, but that there is nothing to be done about this. Basically, I continue to receive harassing phone calls and have this debt negatively impact my credit score while this company cannot produce a statement showing that I owe this money.

Desired Settlement: This company should not only discontinue reporting this debt to any credit agency but it should also issue a written statement to the credit bureaus stating that the reason this bill is owed is because of it's inability to send a bill to me. I would like this negative credit score reversed and an accurate bill sent to me.

Business Response: Complainant is concerned about the failure to properly update the address on her account and not receiving information requested based on the lack of a good address and requests any credit reporting be resolved.  We have reviewed and investigated the complainant's concerns and agree with her.  The account representatives did not properly update the account with her correct address and that caused her not to receive the information she requested.  We are following up internally with the account representatives involved.  We are sending the requested information to the consumer.  In addition, we note that neither account was submitted for credit reporting, so nothing should be appearing on the complainant's credit report related to these two accounts.  Finally, most importantly, we apologize for the inconvenience.  If complainant has any questions, she should call our ***** ********** ******* directly at ###-###-####, ext. ***.

5/21/2014 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: This is on ongoing and unresolved issue that needs to be investigated. This rogue, 3rd party collection agency continues to report negative and inaccurate information regarding an ambulance bill that I do not owe. I gave specific information to this collection agency as to whom is responsible for this bill. Non-VA care. **** *** ****** ******* ** *****.This 3rd party collection agency has refused to contact the VA regarding this matter. I have no financial or contractural obligation to this collection agency and their egregious actions are in violation of my consumer and civil rights under the FCRA and the FDCPA. I'm extremely upset by this incident and I look forward to a timely resolution to this matter. Thank you.

Desired Settlement: The complete deletion and removal of this false information from my credit report immediately.

Business Response: This is the third BBB complaint filed by the consumer related to the same issue.  We have responded to each complaint.  In summary, consumer states insurance should have covered the services and we should be dealing directly with his insurer.  We previously responded that the creditor billed the insurer and the insurer denied the claim.  No reason was given for the denial.  The creditor also advised that it is not a contracted provider for the insurer.  We let the consumer know this and also suggested he contact the insurer directly to resolve his issue.  We believe all credit reporting is accurate and the consumer has not provided any new information requiring us to investigate this matter further.  However, since we will be returning this account to the creditor shortly, we have cancelled and returned the account to the creditor at this time.  Accordingly, a request to remove credit reporting will be made.  It may take up to 30 days for this to be reflected on the consumer's credit report and that is beyond our control.

Consumer Response:

[A default letter is provided here which indicates your acceptance of the business's response.  If you wish, you may update it before sending it.]

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. 

The resolution is acceptable contingent upon the timely removal of this information from my credit report.

Regards,

 

******* ***

5/21/2014 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: I called State Collection Service on 5/5/2014 regarding negative entries from them on my credit reports. I told them that the debt was not mine and I asked them to verify the collection from the source. *****, the service representative, kept saying that I needed to dispute the collection. I told them that I had already and have gotten no response from them in years but yet he kept insisting that the debt is mine and I needed to dispute the debt. I had disputed this debt in 2011 and asked for verification from them at the time. No response was ever received. They then posted negative entries on my credit reports without proper verification and notification to me as required by the Fair Credit Reporting Act. I called the hospital reported on my credit report and they informed that no one from State Collection Service had ever contacted them looking for verification. The hospital also could not provide me with any financial responsibility document showing that I am responsible for the amount owed to State Collection Service. All amounts owed to State Collection Service are unverifiable due to what I am assuming is a billing error.

Desired Settlement: I would like all negative entries removed from all my credit reports or provide proof that I am financially responsible for the amount due by providing the document from the hospital with my signature, as required by hospitals before medical services are performed.

Business Response: The consumer states he previously requested verification of an account in 2011 but he had not received it.  He states the hospital has no signed agreement for him.  He would like the account removed from his credit report.  On October 18, 2011, we received a letter from the consumer requesting we cease communication with him.  He did not request verification of the account.  He did not dispute the account.  Upon receipt of this BBB complaint, we contacted the creditor to obtain an itemized statement to send to the consumer.  The creditor has provided it to us.  The itemized statement will be sent to the consumer in tomorrow's mail.  It is not necessary for a consumer to sign a written agreement in order to be held responsible for an account.  It appears that the creditor provided services to the consumer and there is an amount due.  Accordingly, it appears that the account is accurately reporting on the consumer's credit report.

If the consumer has a different reason upon which to base his dispute, we will review any information that he is willing to provide and further investigate this with the creditor.  Please do not hesitate to contact us should you require additional information.

Business Response: Complainant asserts he is not responsible because he never signed anything.  A consumer does not need to sign something in order to be responsible for medical services provided to the consumer.  While the consumer refers to medical fraud, he does actually state he is the victim of medical fraud.  If the consumer believes he is the victim of medical fraud, he can provide to us an identity theft affidavit and we can work with the creditor on investigating that issue.  We also note that we are not collecting an account on behalf of any hospital.  We are collecting on services provided by physicians.

We do acknowledge that our first response was not clear with regard to whether the consumer disputed the account or not.  Our interpretation of the 2011 letter was a request to cease, which it clearly was, and that the dispute was related to our contacting him with respect to the account as he was going to work directly with the creditor.  Specifically, he stated in his letter, "I have decided that I do not want to work with your collection agency or for that matter any collection agency under any circumstances.  I dispute this debt and will contact the original creditor to resolve this matter directly, as circumstances warrant.  By sending this letter, it is my intention to stop all your calls and collection activity from this day forth."  (We note that we could not find any attachment to the complaint or the rejection to our response).  While complainant's request is certainly ambiguous, we will request removal of credit reporting at this time to allow complainant to further review the information we provided to him or to work directly with the creditor on resolving the balance.  However, if after 60 days this matter is not resolved, we may report the account to the three major credit reporting agencies.

As to the investigation of his dispute lodged through Equifax, the investigation we perform under those circumstances is based on information the complainant provides as part of his dispute and review of the information we have.  We do not contact Equifax directly, nor do we supply Equifax with documentation outside of the process used in processing the dispute investigation.  It is not clear where complainant is obtaining the information from Equifax, but the manner in which we process disputes from the credit reporting agencies is generally as we have outlined in the first sentence of this paragraph.

In summary, we have verified with the creditor that complainant is the consumer who is responsible for the account.  While we disagree with complainant's conclusions, for the purpose of moving this matter forward to a conclusion, we have requested removal of the account from credit reporting to allow the consumer time to review the information he acknowledges receiving.  We reserve the right to re-report the information after 60 days in the event payment is not made or the account is not otherwise resolved.  We repeat our willingness to receive and review any documentation the complainant has with respect to this being a matter of medical fraud.

Consumer Response:

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.

I will contact the original creditor and get this matter resolved.


Regards,

 

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

5/19/2014 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: Since Capitol Credit Service(CCS) took over the payment plan I had with Professional Receivables Management(PRM) I have been billed incorrectly. As stated, on the back of CCS statements, I have sent 2 letters explaining the dispute I have, along with attaching backup showing proof of all payments I have made, but I have never received a response, other than receiving the next incorrect statement, Past Due Notices and most recently a Notice of Right to Cure Default. My balance was paid in full as of my 1/3/14 payment, but after receiving a "Second Notice of Late Payment" for $25 due by 4/18/14, I decided to end the frustration and just make a payment of $25 which cleared in my bank account on 4/16/14, but now, to my dismay I received a Notice of Right to Cure Default which was dated 4/15/2014. I don't know what more I can do to resolve this & don't understand how a new statement could even be sent out prior to a previous Statements Due Date? I am NOT in default, I do not owe anything and now in fact, have actually overpaid $25.00. I have never made a late payment to PRM or CCS and find this situation very frustrating and want it resolved.

Desired Settlement: I want CCS to send me a letter stating my account is paid in full and that I am NOT in default. I want to make sure this has not been reported to Credit Bureau's, as it is incorrect and if any unpaid debt has been reported, I want CCS to remove it from my credit reports immediately. I also would like to be refunded for the $25.00 payment I made in 4/2014, which I should not have paid to begin with because the total balance was paid in full as of 1/3/14.

Business Response:

Complainant states she has concerns regarding how an account was handled by Capitol Credil Service ("CCS"). She requests a letter stating her account is paid in full, would like to make sure the account was 
not submitted for credit reporting and requests a refund as she be lieves she paid the total balance in January 2014.
 
As the complainant notes, CCS did take over the monitoring of the payment plan she had in place with PRM. At t le time CCS took over the monitoring of the payment plan on November 1, 2013, the complainant 
had paid $232.33 on an account that initially had a balance of $332.33. Acccrdingly, at the time CCS took over, $1 00 remained to be paid according to the records provided by PRM 10 CCS. CCS received the following
 payments after November 1, 2013:
 
11/26/13 $25
12/17/13 $25
1/13/14 $25
4/22/14 $25
 
The above dates may not match the records for the complainant as our records indicate that complainant may howe been using a bill paying service, which would have noted the withdrawal of funds from her bank 
but there would be a lag in time from when the funds were actually mailed to CCS by the bill paying service.
 
For that reason, the Notice of Right to Cure Default and the complainant's final payment likely crossed in the mail.
 
Unfortunately, our records do n'Jt reflect receipt of any letter from the complainant regarding proof of payments. We will review any information the complainant has with regard to payments. She can send it to CCS, 
Attention: Compliance, P.O. Box 6545, Madison, WI 53716. 
 
If we find that complainant did overpay the $100 balance placod with CCS, we will certainly issue a refund. Our records do show that the account is paid in full. The account was never submitted for credit reporting.
 
Sincerely,
 
**** **********
Chief Compliance Officer

5/6/2014 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: This company is trying to collect a debt that is still being reviewed by an insurance company. They refused to listen to any explanation. It is already on my credit report. I WANT IT TAKEN OFF MY CREDIT REPORT until the result comes back from the insurance company.

Desired Settlement: I want this off the credit report. It is still in the review process by the insurance company. They have no right to report this on my credit report.

Business Response: Complainant states she would like the account removed from her credit report as the payment is still being reviewed by her insurance company.  The client has requested that we place the account on hold.  Accordingly, we did make a request to delete the account from the credit reporting agencies.  We note that the consumer had contacted us by email, prior to us receiving this complaint, requesting this same relief and we did let her know that we were requesting deletion in our response.

Please do not hesitate to contact us should you require further information.

5/5/2014 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: This company claims I owe $11.80 for a ********* health clinic visit that did not happen. I told them they were mistaken, and figured I was getting scammed and was not giving them my credit card info, I then called ********* customer service and they confirmed that they have sent out no such billing. This company says I'm going to have to send them money or all sorts of forms from ********* proving I don't owe the money which is outlandish and again, I believe is a scam to get my info. Regardless it is also harassment because the people they are saying this bill originated with never produced a bill and never started a claim. If they are a real company then I would like a letter from them letting me know this matter is resolved because I spoke to ********* directly and they sent no billing. There should be nothing on my record.

Desired Settlement: Letter of apology and record for this situation cleared.

Business Response: Complainant claims the account was not placed with our office and believes an attempt to collect was a scam after speaking to someone with the creditor.  We can confirm that the account we were collecting was placed in our office on January 26, 2011.  While we do not know who complainant spoke to, we also confirm that the account was placed in our office by the creditor.  Given the very low balance on this account, we have cancelled and returned the account to the creditor.  Accordingly, we are no longer attempting to collect this account.  The account was never submitted for credit reporting.

Consumer Response:

[A default letter is provided here which indicates your acceptance of the business's response.  If you wish, you may update it before sending it.]

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,

 

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

4/26/2014 Billing/Collection Issues | Complaint Details Unavailable
4/9/2014 Billing/Collection Issues | Complaint Details Unavailable
3/22/2014 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: the complaint is over a doctors bill that is now in collection for $162.01 (heaven knows how they got that amount) I called the doctors office and asked if I could make monthly payments, I was told yes and sent them a payment - I never received another bill. Then state collections mailed me a collection letter, I called them and told them that I would like to make monthly payments and would send them between 10 to 20 dollars a month, and asked if they could please send me a monthly statement so I could remember to mail them money. I was told that they could not do so. I further explained that do problems with my memory that I would not remember to make the payment without a reminder to do so.The company then put a bad collection debt on my credit report for $162.01

Desired Settlement: I still would like to send monthly payments to them and please to send me a monthly statement

Business Response: Complainant requests monthly statements be sent to him for an account that was placed in our office.  We acknowledge that complainant stated he has problems with his memory.  In fact, on February 12, 2014, complainant informed us of this.  In that discussion, we suggested that complainant retain the top portion of the letter we would be sending him.  He indicated he would be making a payment, that he would do the best he could and would be watching for our letter.  We did explain that we were not a billing service and could set up payment arrangements.  On February 24, 2014, having received the letter he requested, complainant called us and asked where the balance came from.  We explained to him the amount of the original bill and that there were insurance payments and adjustments leaving the balance.  He did say eventually that the doctor had been paid, that we could sue him and requested we not call him.  To date, we have not received a payment nor has the client reported a payment to us.

We do state again that we are not a billing service.  We will send payment reminders on reasonable and verified payment plans.  We will also send out a post-dated payment letter.  However, complainant has not agreed to reasonable payment arrangements nor has he agreed to post-dated payments.  Accordingly, we will not send out such letters.  We also wish to confirm that as he requested, we are not making any calls to him.  We will not be bringing legal action against him.

Please let us know if you require additional information.

3/22/2014 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: Upon calling into the company before agreeing to my name the company disclosed the name of the original account holder, thus disclosing my personal information to a possible third party. Upon requesting to speak with a supervisor the representative disconnected the call. When I called back and spoke with the supervisor she went into account detail without fully verifying my information either. This is gross negligence on this agency to not ensure they are protecting and safe guarding personal and confidential information.

Desired Settlement: Based of the nature of this third party disclosure I feel it is only valid and fair that the remaining balance on my account be satisfied and entirely closed out, if I was to take this FDCPA complaint to court the cost would be much higher for the company.

Business Response: Complainant states she called our office and that an account representative did not verify complainant's identity.  Complainant states this a third party disclosure.  While we understand complainant's concern, this is not a third party disclosure.  In order for a third party disclosure to occur, a third party must be involved.  Complainant said she was the person who called in.  Since there was no third party disclosure, there is no violation.  We cannot provide the requested relief under these circumstances.

Consumer Response:

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.
Disclosing the name of the creditor is third party disclosure before I fully confirm my name. Regards, ******** ******

 

Business Response: We understand complainant believes this is a third party disclosure.  We disagree.  Complainant was on the call.  We were speaking directly to the complainant.  Since we were speaking to her and not some third party, this is not a third party disclosure.

3/9/2014 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: I was sent paperwork stating there was a judgment on me for a debt I accumulated about 12 years ago I found it strange that they could come after me this many years later but figured if courts let them it was legal. Then I saw they were going to garnish my paycheck and I am a mom of 2 kids and can’t afford that. There was a form in with the judgment stating fill out and send back showing on assistance for kids and they can’t garnish I filled out form and sent proof and they still garnished!! Since was living with parents they didn’t make me pay them rent while this was happening all figured for the best to get it out of the way. However after paying $1,600.00 I called to find out how much more to go and when could get letter stating paid. I was told balance still over $2,000.00 which is where I started. They charge me $257.00 to take $200.00 from my check this is never going to help me. All of this for a 12 year old debt and taking from a mom on assistance that they shouldn’t be.

Desired Settlement: I am not going to try to dispute they legal angle of them going after suck an old debt I can’t afford to. I would like them to remove all extra charges they have added and let the payments that have been garnished pay this debt down as it should have. I would also like to stop any more charges from being added as they garnish remaining debt if any or if they remove charges from garnishing already I can maybe just pay remaining few hundred if can be given amount remaining. If that can’t happen I would like them to stop garnishing from me since I am a single mom with 2 kids on assistance and per the paperwork they originally sent me stated they could due to my situation. I am fine paying off this debt if I am not going to be charged more to do so than they are taking off.

Business Response: Complainant expresses concern regarding the amount currently due on an account where a judgment was entered.  By way of background, judgment was entered against the consumer on December 11, 2003.  The original balance of the judgment was $1652.98.  Because no payments were made on the account until recently, prejudgment interest of $93.98 and post-judgment interest of $1668.06 has accrued.  In addition, since a garnishment action was filed, additional costs were added to the balance.  Please note that the interest and costs are allowed under Wisconsin law.  The total now due on the judgment, which includes the interest and the costs, is $2419.18.

What we can do at this point is waive all of the post-judgment interest and prejudgment interest (a total reduction of $1762.04) leaving a balance of $657.14.  If consumer wants to have this sum paid through the garnishment, we can do that.  She may also contact the Special Services Department at ###-###-#### to pay this in full and the garnishment would be released.

Please do not hesitate to contact this office should additional information be required.

2/14/2014 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: According to this StateCollection Agency service I paid off a Uw hospital bill. However it shows on my credit score that I still owe about $24 that this agency never sent me a bill for. I called several times to pay off the $24 although since the account is inactive, I am unable to pay off this debt that I never received a bill for. This is not the first time I have had problems with your company.

Desired Settlement: Either let me pay the $24 or take it off my credit score.

Business Response: Complainant states an item appears on her credit report and she either wants to pay it or show a zero balance.  We have reviewed the account.  It appears that when complainant paid the account, the interest was to be written off.  The process for writing off the interest was not followed at that time.  We are requesting removal of the account from this consumer's credit report entirely.  It may take up to 30 days for the account to be deleted and this is beyond our control.  We apologize for the complainant's inconvenience.

Please do not hesitate to contact this office should additional information be required.

Consumer Response:

[A default letter is provided here which indicates your acceptance of the business's response.  If you wish, you may update it before sending it.]

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,

 

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

2/7/2014 Billing/Collection Issues | Complaint Details Unavailable
1/31/2014 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: In mid November of 2013 I received a letter from State Collection Services Inc. (herein referred to as State) dated 11/12/2013 stating that two past due accounts had been referred to their office for collection. I did have accounts with both of the creditors listed in the letter but the Client Account Numbers and Account Balances did not match any of my records. What I discovered after my first conversation with State on 12/8/2013 was that they had acquired my accounts from the now defunct Professional Receivables Management (herein referred to as PRM). So I looked deeper into my records and found numbers that did match, in part, the Client Account Numbers listed on their letter, but the balances where roughly $265.00 greater than my records showed, which were based on my financial records and statements from PRM. On 12/10/2013 I sent a letter to State asking for verification of the two accounts. On or about 1/12/2014 I received the information I asked for from State verifying the accounts which included statements from both Creditors showing the balance due which was now $147.50 less than the amount State was asking for, this due to interest. I made a follow-up phone call to State on 1/22/2014 and spoke with ****. She explained that my accounts where in collection and that interest was being added to the balances. She explained that State reported both accounts to the Credit Bureau(s) as in collection. The first report stated as Disputed and I believe the second as 60 days past due. It is true that I have not made payments for two months but that is because of the ongoing dispute. (Note that some of this was explained to me during my first conversation with a State rep but unfortunately I became angered, with good reason, but I do apologize to that rep for my behavior.)So all this may look legit until you understand the history of these accounts. As stated above, prior to State becoming involved, the two accounts in question were being managed by PRM for the two creditors. It was explained to me (date unknown) by ******, my account manager at PRM, that PRM was managing the accounts for both of the creditors and assured me that the accounts were not in collection and there was no interest on the balances. These two facts our evident in the statements provided by State and on my credit records from the 3 main Credit Bureaus. So since 1/19/2011 and 1/28/2012 I have been making payments in good faith through PRM to ********** ******** ******** and ********* **** respectively, with the last payments being received by both on 1/25/13. Payments thus far to the two accounts total $3823.51. (Just for information purposes these were not the only medical accounts that I have been paying on or have paid off in this time period and actually stem back to personal medical issues as early as 2006. I believe 3 years in a row I met my insurance deductible, thus the reason and need for payment plans.)

Desired Settlement: I do not dispute that I owe the balance on these two accounts as listed on the before mentioned statements from the debtors. My dispute is with the abrupt and undeserved change in the status of the two accounts and with States unwillingness to do the right thing. **** at State has told me that their policy does not allow them to accommodate my situation and that no changes can be made to reporting of the accounts to Credit Bureau(s) or to the addition of interest. What I am asking is for is the removal of all negative reports to the Credit Bureau(s) by State and the removal of the interest on the balances. In return I will pay both accounts in full. This would be managed through application of my tax return funds. I would make payments until the tax refunds are realized.

Business Response: Complainant has two issues with regard to the accounts placed with our office.  First is the addition of interest.  Second is the concern regarding the accounts appearing on his credit report.  Complainant would like all interest waived and credit reporting removed.  Complainant states he will continue to make payments and attempt to make payment in full upon receipt of his tax refund.  Please accept this as our response.

Before addressing complainant's concerns, we do want to note that complainant previously requested we not contact him by phone.  Pursuant to that request, we did cease all communication with him.  We offer the following response in order to address his complaint.

As the complainant mentions, the accounts were placed in our office around November 1, 2013.  Prior to that date the accounts were with a collection agency called PRM.  During the time the accounts were placed with PRM interest was accruing.  We know that because the day the accounts were placed with our office, the accounts included statutory interest, which is permitted by Wisconsin law.  We cannot comment on what the complainant was told while the accounts were with PRM as we have nothing to do with PRM.  The creditors do allow the addition of statutory interest and PRM was adding it.

As to the credit reporting issue, on or about November 11, 2013, we mailed a validation notice to the complainant.  While we are not required to provide notice that the accounts may be reported to the credit bureaus, we did include that statement in our letter to him.  We also informed him the accounts would be eligible for credit reporting when we spoke to him in November.  Again, we cannot comment on what the complainant was told while the accounts were with PRM as we have nothing to do with PRM.

We are willing to work with complainant on the remaining balance.  We are willing to discuss credit reporting with him.  We suggest he contact our office to discuss payments and credit reporting when he is in a position to pay the balance off.  However, we will not be contacting complainant as he previously requested we cease calling him.

Consumer Response:

[A default letter is provided here which indicates your acceptance of the business's response.  If you wish, you may update it before sending it.]

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. I had a pleasant conversation with ** on the evening of 1/30/14. He stated that State Collection Services would do as they stated in their response to my complaint. He ensured me that all interest would be removed and that they would contact all 3 Credit Bureaus and ask to have all negative history of both accounts removed from my credit reports. This would be done in return for payment in full upon receipt of my tax refund. ** was very pleasant and professional and I thank He and State Collection Service Inc for working to resolve this issue.

Regards,

 

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

11/30/2013 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: I received a medical service while still insured with ***** through my employment with **** ************* *********. However, State Collection Service has billed me and damaged my credit by posting a debt I don't even owe to my credit reports. This debt belongs to *****. At State Collection Service, I have spoken with very aggressive, rude and disrespectful representatives about this matter. The last representative talked over me and actually hung up on me! I want this debt of $109.00 to be removed from all three credit reports; I do not owe it. Thank you!

Desired Settlement: Please delete this debt that I don't owe from all three of my credit reports.

Business Response:

The consumer states that her insurance should have paid the account.  Consumer further alleges she was not treated in a professional manner.  Finally, the consumer requests this account to be removed from her credit report.  Due to the nature of her claim concerning the manner with which she was treated, we wanted to provide this preliminary response to the complaint.

First, we are verifying with the creditor whether insurance information was provided at the time of service and, if so, whether insurance paid on the claim.  As soon as we obtain this information from the creditor, we will forward it to the consumer at the address she provided in her complaint.

Second, since we take all claims of such treatment very seriously, we request that the consumer provide us with the time and date for the call(s) she references.  If the consumer would also provide the telephone number from which she made calls to our office or the telephone number we allegedly called, it would be helpful in locating the call(s) in question.  We do record all of our collection calls so that we can follow-up with claims like this and for training and monitoring purposes.

Third, with the information we have so far, we were able to locate two calls and both were handled professionally and no account representative hung up on either of those two calls. 

Finally, as to the credit reporting, as indicated above, we are checking with the creditor to determine whether insurance information was provided and whether any payments were made, perhaps leaving a deductible or co-payment.  As soon as we receive the information from the creditor, we can mail it to the consumer.  Depending on the information provided, we will follow up with the appropriate action with the credit reporting.

Please do not hesitate to contact this office should additional information be required.

11/27/2013 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: I have suffered an open fracture on June 19, 2013. I was treated by UPMC. On September 05, 2013, shortly after I had started walking normally again, I walked to the UPMC financial aid office and filed an application for financial assistance. On September 29, 2013 or so the financial assistance was granted and the bills were adjusted; also, the third party has agreed to pay the remaining balance on the adjusted bills; I know that the said third party indeed paid the monthly fees in October as I have my monthly bills mailed to me; the bills show that the monthly payments were received by UPMC last month. Nevertheless in October, I received a phone call and later two letters from State Collection Service with an apparent attempt to collect the original / pre-adjusted bill. I have politely explained the situation over the phone and replied to both letters in writing. Yesterday, I received a new letter from SCS, this time on pink paper with the note ****THIS BALANCE IS SERIOUSLY DELINQUENT****. The SCS efforts are totally misplaced: first of all, SCS tries to collect the original bill, which was adjusted. Secondly, the adjusted bills are being paid, hence noone's services to collect them are needed. Thank you.

Business Response:

Complainant states the creditor adjusted the bill (financial assistance) and that a third party is making payments on the accounts.  By way of background, we have three accounts in our office.  The accounts were listed on 9/23/13.

Two of the accounts show a financial assistance adjustment on 9/18/13 (prior to listing with our office).  The itemized statements for those two accounts were mailed to the complainant on or about 10/21/13.  As of the date of this response, the creditor does not show any payments made on those two accounts.

The third account now reflects a financial assistance adjustment by the client on 11/5/13.  We will mail that itemized statement to the complainant.  As of the date of this response, the creditor does not show any payments made on this account.

If complainant has specific payment information, she may mail it to our office so that we can follow up with the client.

In summary, a financial assistance adjustment is currently applied to all accounts.  The itemized statement for the recently applied adjustment is being mailed to the complainant.  We have confirmed the balances we are currently collecting are correct.  Please do not hesitate to contact this office should additional information be required.  

Business Response:

We will address the items raised in the order presented.

Complainant states:  1.a. All due balances for UPMC Statements received after the adjustments have been paid (just as I had stated verbally and in writing to the business). Payments were made by due dates (mid-month); please see the Bills. Apparently, the business conceded that it did not bother to check with UPMC before mailing me the Delinquency Letter on October 29, 2013, which triggered this Complaint. There are 23 days between October 7 and October 29, is not it correct?

Our response:  We assume complainant is referring to the hospital accounts in his first two sentences.  We were not and are not collecting on the hospital accounts.  We do not dispute that he was making payments to the hospital.  As for the remaining sentences, we did check for payments between October 7 and October 29 for payments applied to physician accounts.  There were no payments between those dates.  If complainant has information showing payments to the physicians during that time period, we can provide that information to the physicians.

Complainant states:  1.b. Did adjustments were discussed between the business and its client on October 7, 2013 at all? If so, did the business ask UPMC Physician Services if its client ever mailed me the Statement(s) showing latest adjustment(s)?

Our response:  We requested information from the client regarding adjustments after October 7.  As stated several times, the adjustment information was provided to us on November 5, 2013.  We did not ask the physicians if statements were mailed showing adjustments.  We did request statements showing the balance due.   We mailed the complainant a statement after being provided the adjustment information.  If complainant does not have that statement, he can let us know.

Complainant states:  2. In any event, this morning a representative of UPMC Physician Services responded to me stating that she was going to mail me the Account Statement(s). Yesterday afternoon, I was also told that the organization, which was to pay the outstanding UPMC balances, was going to have them pay off quickly, without using the Installment Plan, volunteered by UPMC. Hopefully, this situation is coming to the end now.

Our response:  It is good to hear that the balances placed with our office for collection that are due the physicians will be paid off.

Complainant states:  And I believe I have been doing my part to resolve the issue with outstanding UPMC balances as soon as practical/feasible, nor did I (or anyone on my behalf) attempt to challenge/dodge/dispute any UPMC charges.

Our response:  Thank you for your cooperation.

Consumer Response:

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.

[To assist us in bringing this matter to a close, we would like to know your view on the matter.]

 

If UPMC sent me the Statement(s) with latest adjusted balance for Physician Services, they would have definitely paid off. And they will be (to the best of my belief) as soon I get the Statement(s).

It is too bad the business did not check with its client if the client mailed me the Statements directly with post-Septmber-5 adjustments.

The Statements from the business were inaccurate as it was established. And I knew they were inaccurate as the amount $142.40 was not adjusted.

Two less severe issues: the business did not offer the installment plan, and it charges 3% of credit card transaction fee I believe. UPMC offers installment plan and does not charge CC transaction fee.

Etc.

It is getting late.

Thank you.

Regards,

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

11/16/2013 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: State Collection Agency is in Violation of the US Federal Law and the Fair Credit Act. They have reported an item in COLLECTIONS on my credit report, yet their agent "******" says they no longer have any claim against me and that's it's been resolved, but stated that she couldn't remove the item from my credit report. IF THEY HAVE NO CLAIM AGAINST ME, THEY HAVE NO LEGAL RIGHT TO FILE A REPORT SAYING THEY HAVE A COLLECTION ACCOUNT AGAINST ME!!!! This is common knowledge. This item has caused 2 credit denials, yet it is an illegitimate report that they have no claim to file. If it it not removed immediately, I will notify the ********** and ********* Attorney General and report it to other US Govt agencies that deal with companies filing FALSE reports on people's credit report in an effort to ruin their credit.

Desired Settlement: Send in an official request to all three credit agencies requesting that this fraudulent report be removed IMMEDIATELY.

Business Response: o

The complainant states an item is appearing on his credit report that should not be.  Prior to receiving this complaint, our ***** ********** ******* spoke with the complainant.  The ***** ********** ******* reviewed the account with the complainant while on the call and informed the complainant that the account had previously been requested for deletion.  He also took complainant's information and informed complainant that an additional request would be made to the credit reporting agencies to remove the account from complainant's credit file.  The ***** ********** ******* then gave the complainant his direct number to call if after 30 days complainant had any issues with his credit report.  Finally, the ***** ********** ******* explained that we would follow up on the specific call using our standard process and procedure to determine what follow-up, if any, was required with the account representative.

Please do not hesitate to contact this office should additional information be required.

11/10/2013 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: When I first had called in to State Collection Services I intended a different outcome than I had received. I had first spoke to ******* explaining what I wanted to accomplish with paying off my debt. ******* in my opinion is a very arid woman as she lacked overall interest. Come to find out a month after speaking to ******* and updating my billing address, I was promised to never receive a call from their agency. I had never provided a number to State Collection Service and was shocked that on October 11, 2013 I get a robo call. From my research I have come to find out that this breaks the 1991 telephone consumer protection act. I was appalled by this call as I am someone who has never had a single item in collections and did not expect the horrible service I had also received from *** escalating me to a supervisor when I had never even asked for one. When I inquired to *** about how they received my number he lied with telling me that the hospital ******** ***** had provided it. Little did *** know I do not have that number anymore. He ceased to educate me on why my number was called. I had explained to ******* that if I were to ever receive a call from this institution I would file complaint with BBB. There is also further action that shall be taken upon the collection acts that State Collection Service broke.

Desired Settlement: As I had requested with the supervisor that *** had escalated my call to, I request this debt shall not be owed to State Collection Service as well as the derogatory mark be removed from my credit report.

Business Response: Complainant appears to suggest that legal action is contemplated.  It is not our policy to respond to a BBB complaint in the face of a threat of legal action.  Complainant may wish to contact our ***** ********** ******* directly at ###-###-####, ext. ### to discuss this matter further.

Consumer Response:

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 no issue with contacting the ***** ********** *******, although I am rejecting this as a full resolution because I do not believe that this is a full resolution. The reason being is that I have been treated poorly by State Collection, so why would I want to contact the company again.  

Regards,

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

 

 

Business Response: The complainant and the ***** ********** ******* spoke briefly today to arrange a time tomorrow to discuss complainant's issues.  We are hopeful we can resolve the complainant's issues at that time.

10/27/2013 Problems with Product/Service | Read Complaint Details
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Additional Notes

Complaint: Back in 2009, I allegedly (I think it was 2008 and not 2009), I had an utility bill with ******* *** * ********. Well, I haven't heard anything from them until just 2 months ago. The first time I spoke with them, I asked for an itemized bill (or similar to), hadn't received anything from them. Just opened my mail last night and I see something from an attorney stating that legal action might be taken. I called them today (10/7/13) to either make a lump sum payment or lesser value or a payment arrangement, I've seen on this sight before that they were working with others who have had electric bills and have done settlements. They stated they wouldn't do it. I then offered a $25 month payment. The supervisor that I spoke with stated if I did that, no further action would be taken. As soon as she said that, she then took it back stating they would apply that amount but couldn't stop further action. Well, it's either one or another. I then called ******* *** *** ******** myself to state my issues. I've never worked with a "company" who doesn't even try to work with someone. The supervisor stated that in order to do a payment arrangement, I could do "at least" $150 a month! I'm sorry but who today has an extra $150 a month just laying around.

Desired Settlement: I would like to settle this debt or have my payment arrangement made with no further action.

Business Response:

The complainant states she would like to settle or make payments on an account placed in our office.  After the complainant filed this complaint, the complainant did speak with our office and we confirmed with her that the creditor did agree to the monthly payment schedule she had requested.  Based on that discussion, it would appear the complainant's concern (a payment arrangement) is resolved.

Please do not hesitate to contact this office should additional information be required.

Consumer Response:

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.

The utility company never did return my calls (messages) on the 2 different options available. However, I decided to just take the payment plan. I spoke to "*****". I do not like her attitude. After providing my account number for automatic withdrawls, she stated I must call back every 6 months to touch base or I could be rejected on this payment plan. Well, a payment plan is a payment plan. This was never discussed the first time. I asked for something in writing stating that there would be a payment plan for my own records and she refused any such thing. I then asked for a reminder when the 6 months would be upon us. She also refused that stating it wasn't her responsibility. I feel this information (or lack thereof) was misrepresented. If we came up with a payment plan that worked with the utility company (it was the utility company that accepted it after the debt collector rejected it), the information should have been stated at that time instead of now changing the agreement. 

Regards,

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

Business Response:

After we spoke with the complainant and indicated we would be accepting the monthly payment arrangements, the complainant indicated she would be contacting the creditor to discuss an offer to pay in full rather than the payment arrangements.  Apparently, the creditor has not called the complainant back.  When the complainant called us back again to begin the payment arrangements, she initially was okay with reviewing the payment arrangements after 6 months, but did think she should not be required to call us back to continue the arrangement and desired confirmation in writing.  She indicated she was okay with the payment arrangement, but wanted to speak to a supervisor.  It is not clear if a message was left with the supervisor.

In order to resolve this issue, we will continue with the payment arrangements.  There will be no need to review it in 6 months.  Please consider this response as confirmation in writing of this arrangement. 

10/22/2013 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: I have no idea who this company is but they filed a collections claim against me on my credit. I demand an explanation

Desired Settlement: Removal of collections from my credit report

Business Response:

The complainant alleges an account appears on his credit report, has no idea who we are and requests removal of the item from his credit report.  In reviewing the account, we did speak with the complainant on August 22, 2013.  At that time, we identified who we were and what the debt concerned.  Complainant requested verification of the debt.  We mailed a validation letter to complainant on or about August 23, 2013 and we contacted the creditor to obtain the information complainant requested.  On or about September 4, 2013, the creditor provided us the information and we mailed it to the complainant .  On September 9, 2013, the complainant called our office and stated he believed the services were covered by insurance.  We informed him this appeared to be related to a deductible.  At that point complainant indicated he would be filing a BBB complaint and asked for no more calls until he had obtained more information.  As the complainant requested no calls, we ceased contact with the complainant.

In summary, it is possible that complainant has our office confused with another agency or office.  We have provided complainant two separate letters, identifying who we are and the purpose of our collection efforts.  In addition, we have spoken to the complainant twice.

Please do not hesitate to contact this office should additional information be required. 

Consumer Response:

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 do now know who this company is and I did file a claim with the company claiming that i owe the debt and have not received a response from the original debtor.

Regards,

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

 

 

Business Response:

As indicated in our prior response, we mailed the complainant all the information provided to us by the creditor.  Complainant then indicated he believed insurance paid.  Complainant appears to be saying he is not familiar with the creditor who listed the account with our office.   He also appears to be saying that he has contacted the creditor directly based on the information we provided to him in early September.  It is not clear at this point that complainant is requesting additional information from our office.  It appears complainant is waiting for information from the creditor.

If we are unclear about complainant's position, please let us know.

  

10/20/2013 Problems with Product/Service | Read Complaint Details
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Additional Notes

Complaint: To whom it may concern, I have recently checked my credit report, and I am shocked and appalled to see a collections charge for $190.00 on my credit report. The account number listed is ********, with the original "creditor" being ***** **********. This invalid debt is also listed as opened/past due since Feb/2013, and the last time I did business with ***** was well over 6 years ago. This should not be on my credit report, as it is not a valid debt. I can only assume this is a billing error, especially considering there has been no attempt to contact me in writing on my publicly listed address, no invoices sent, and this is the first I've heard of this debt. This is also a FCRA violation under section 15 U.S.C. §1692g. At no time did I enter into contract for credit, lending, or agree to pay any amounts to ***** healthcare or your company; nor do I have any outstanding debts with your company or ***** **********.

Desired Settlement: Please remove the negative report from all of the credit reporting agencies, close the alleged "account"(and any/all associated charges with ***** healthcare). and I will consider this request 100% satisfied. Please keep in mind that I reserve all rights chartered by both ********' and The Federal Governments FCRA, and will use them if necessary to remove this false information from my credit report. If this issue is resolved to meet all of my demands, I will forgive the FCRA violation and chalk it up to a billing/ miscommunication error. Thank you.

Business Response:

Complainant states he has not received services from the creditor for over 6 years, disputes the account listed on his credit report and requests we close the account and remove all credit reporting.  We actually have multiple accounts for multiple dates of service for this complainant, but only one of the accounts is appearing on this complainant's credit report.  As is our practice when receiving any written dispute, we note the dispute on the account so it is reported as "disputed" on the credit report and we follow up with the creditor to obtain verification of the debt.  Once we receive verification of the debt from the creditor, we mail the information to the consumer.  We have done this on this complainant's account.  We will mail the information to the complainant at the address provided.  This may take up to 30 days to obtain and mail to him.

We are also mailing to the complainant today, the letter should go out tomorrow, a validation notice showing all of the accounts listed with our office.  This letter will be mailed to the complainant's address included in this complaint.  As noted above, we are obtaining the additional information from the creditor and will mail that to the complainant upon our receipt.

If the creditor does not provide us with a response to the request for verification or the creditor determines that the amount is not due, we will close the account and request removal of all credit reporting.

Please do not hesitate to contact this office should additional information be required.

Consumer Response:

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.

Even after their blatant violation of the FCRA, they are still continuing their illegal actions.

Regards,

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

 

 

Business Response:

We understand there may be some confusion about what the Fair Credit Reporting Act (FCRA) does and does not provide as it is a complicated federal statute.  We hope the following summary provides some clarification.

The  FCRA provides that delinquent accounts may be reported to the consumer's credit file.  The FCRA also provides a mechanism by which a consumer may dispute an account reported to the credit bureaus and the steps the data furnisher (in this instance, our office) must take when a dispute is submitted by the consumer.  The FCRA provides that we must perform a reasonable investigation upon receiving a dispute.  The dispute itself must meet certain requirements, but we will assume for purposes of this response that the complainant's dispute meets those requirements.  What constitutes a reasonable investigation varies depending on the dispute.  Here, the complainant says he did not receive services in the last 6 years from the creditor.  We have, accordingly, contacted the creditor to verify whether the complainant has received services from the creditor, when those services were provided and the amount due.  We have 30 days upon receipt of the dispute to perform the investigation.  As indicated in the prior response, if we do not receive a response or the creditor indicates there is nothing due, we will cancel and return the account and request deletion of the account from credit reporting.

The complainant does mention a February 2013 date on his credit report.  As we have not seen his credit report, we do cannot comment directly on where that date appears, however, that is likely the date that the account was first reported by us to the credit reporting agencies.  The complainant may, if he desires, forward a copy of the portion of his credit report containing the information we reported to our office for us to further review and investigate.

In summary, the FCRA does allow us to maintain the reporting of the account with the credit bureaus for at least 30 days from receipt of the dispute.  We are performing a reasonable investigation based on the dispute.  All of our actions are perfectly consistent with the FCRA. 

9/20/2013 Billing/Collection Issues | Complaint Details Unavailable
9/15/2013 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: I had made arrangements last month to pay my account in full. This morning I received a phone call stating I had not paid my account, that it was turned down by ******** *******. I stated that was not correct and had a receipt with payment in full. "********" rude, unrelentless on me paying this. I hung up. I call ******** ******* and they stated the claim should of been paid and that the problem was State Collections was submitting it to the incorrect number. I attempted to talk to State Collections again- ******** rudely and inappropriate customer service stating that I need to pay this and..... She would not let me tell her what I found out and hung up on her again. I called a total of 4 times- each time I asked for manager- only to get "********" stating she is *** *******, I asked for a different manager and she stated she was getting them on the line. During this time ******** continued to harass me and I told her I did not call to talk to her, she continued- it told her to shut up. She responses with telling me she does not have to listen to me talk to her that way. I told her I didn't want to talk to her and hung up again. I called a 4th time, got a manager "***** ********" which started out stating she called me in attempts to collect a debt- I interrupted her to state I called to file a complaint and that i would take care of my account after. I had to interrupt ***** several times to get my point across. Then when talking about my account, I tried to give her a number to call for ******** ******* to insure that my account is paid for at this time. ***** stated that she is unable to call them while I was waiting to find out if the the charges were accepted. I was told to call back on Tuesday to find out. I asked that if I paid by ezpay on line would there be a charge- I was told "no". I wanted clarification due to the fact that on the billing statement it specifically has written: If you choose to make payment by credit card, a service fee will be added. The service fee will ...... Again I asked **** and she stated that if you use visa or mastercard there will be a charge but not for american express. I stated that there is not specification on the statement that defines her statement. She was upset and stated that what she says is true. I just wanted clarification. I had told her of the inappropriate of how things were handled and that I just wanted to make sure my payment goes through.

Desired Settlement: State Collections are creating fraud among unknowing consumers. Manager *****; when telling me that there is no charges for using credit cards when it is written on the statement. But if you use american express you will not. No where is that stated! This is fraud!!!!! I will make this known to the Attorney General's Office as well as others until State Collection Service Inc. is audited for this practice!

Business Response:

The complainant alleges an account representative was rude, would not transfer the complainant to a supervisor or manager and that our letter says a charge will be added if payment is made by credit card.  The calls with the account representative are recorded.  After reviewing the calls, we have determined that the account representative was not helpful in resolving the complainant's issue regarding her payment and her request to speak with a supervisor or manager.  Our account representatives are trained to help consumers like complainant to resolve concerns and to transfer calls when requested.  We are following our internal process with respect to that particular issue.

On the letter issue, certain language is required on our letters.  We include that language to alert a consumer that a certain payment method will result in a service fee.  It is true that the service fee may not be charged in every instance, but we include the required language to encompass every possible situation.  We elected to be over inclusive in this area to avoid any ambiguity when payments are made.  We will re-evaluate this position given the complainant's complaint.  However, this is the first time someone has expressed a concern about this and the first time someone has indicated they were upset that a service fee would actually not be charged on the payment method.

Please let us know if you require additional information.  

Consumer Response:

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.

[To assist us in bringing this matter to a close, we would like to know your view on the matter.]

Regards,

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

I am content with the customer service review. I would like to review this statement: However, this is the first time someone has expressed a concern about this and the first time someone has indicated they were upset that a service fee would actually not be charged on the payment method.

I have used visa/mastercard in the past and if of known there was a charge with those cards; I would of used american express or other form of payment.

Thank you for taking action on this matter.


Customer Review(s)

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Customer Reviews Summary

8 Customer Reviews on State Collection Service, Inc.
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