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Wisconsin

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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 16 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 84 complaint(s) filed against business.
  • Resolution of complaint(s) filed against business.
  • BBB has sufficient background information on this business.


Customer Complaints Summary Read complaint details

84 complaints closed with BBB in last 3 years | 28 closed in last 12 months
Complaint Type Total Closed Complaints
Advertising/Sales Issues 2
Billing/Collection Issues 68
Delivery Issues 0
Guarantee/Warranty Issues 1
Problems with Product/Service 13
Total Closed Complaints 84

Customer Reviews Summary Read customer reviews

4 Customer Reviews on State Collection Service, Inc.
Customer Experience Total Customer Reviews
Positive Experience 0
Neutral Experience 0
Negative Experience 4
Total Customer Reviews 4

Additional Information

top
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.
Alternate Business Names
Capitol Credit Service
Additional Information

Capitol Credit Service, located at the same address, is a division of State Collection Service, Inc.

Industry Tips
Collection Agency-Credit Counseling-Facts For Consumers Credit Report-Understanding Your Credit Report

Additional Locations

  • 2509 S Stoughton Rd

    Madison, WI 53716 (608) 661-3077 (608) 661-3000 (608) 661-3020

  • 655 3rd St  Ste 302

    Beloit, WI 53511

  • PO Box 6250

    Madison, WI 53716 (800) 387-1357

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Professional AffiliationsX
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Types of Complaints Handled by BBB

BBB handles the following types of complaints between businesses and their customers so long as they are not, or have not been, litigated:

  • Advertising or Sales
  • Billing or Collection
  • Problems with Products or Services
  • Delivery
  • Guarantee or Warranty

We do not handle workplace disputes, discrimination claims or claims about the quality of health or legal services.

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BBB Complaint Process

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Additional Phone Numbers

  • (608) 661-3020(Phone)
  • (608) 661-3077(Phone)
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Complaint Detail(s)

10/19/2014 Billing/Collection Issues
10/14/2014 Billing/Collection Issues
9/30/2014 Billing/Collection Issues
9/26/2014 Billing/Collection Issues
9/16/2014 Problems with Product/Service
9/8/2014 Billing/Collection Issues
8/22/2014 Billing/Collection Issues
8/7/2014 Problems with Product/Service
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. ###.

BBB's Final Determination: Business offered a resolution. Consumer did not pursue further with BBB and the matter was assumed to be resolved

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. ***.

BBB's Final Determination: Business offered a resolution. Consumer did not pursue further with BBB and the matter was assumed to be resolved

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. ***.

BBB's Final Determination: Business offered a resolution. Consumer did not pursue further with BBB and the matter was assumed to be resolved

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,

 

******* ***

BBB's Final Determination: Consumer accepted resolution offered by the business.

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,

 

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

BBB's Final Determination: Consumer accepted resolution offered by the business.

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.

BBB's Final Determination: Business offered a resolution. Consumer did not pursue further with BBB and the matter was assumed to be resolved

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,

 

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

BBB's Final Determination: Consumer accepted resolution offered by the business.

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.

BBB's Final Determination: Business offered a resolution. Consumer did not pursue further with BBB and the matter was assumed to be resolved

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.

BBB's Final Determination: Business offered a resolution. Consumer did not pursue further with BBB and the matter was assumed to be resolved

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.

BBB's Final Determination: Business offered a resolution. Consumer did not pursue further with BBB and the matter was assumed to be resolved

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,

 

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

BBB's Final Determination: Consumer accepted resolution offered by the business.

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,

 

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

BBB's Final Determination: Consumer accepted resolution offered by the business.

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.

BBB's Final Determination: Business offered a resolution. Consumer did not pursue further with BBB and the matter was assumed to be resolved

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,

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

BBB's Final Determination: After reviewing the position of all parties, BBB determined that the business made a reasonable effort to address the complaint. However the consumer remains dissatisfied.

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.

BBB's Final Determination: Business offered a resolution. Consumer did not pursue further with BBB and the matter was assumed to be resolved

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.

BBB's Final Determination: Business offered a resolution. Consumer did not pursue further with BBB and the matter was assumed to be resolved

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. 

BBB's Final Determination: Business offered a resolution. Consumer did not pursue further with BBB and the matter was assumed to be resolved

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.

  

BBB's Final Determination: Business offered a resolution. Consumer did not pursue further with BBB and the matter was assumed to be resolved

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. 

BBB's Final Determination: Business offered a resolution. Consumer did not pursue further with BBB and the matter was assumed to be resolved

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.

BBB's Final Determination: Business offered a resolution. Consumer did not pursue further with BBB and the matter was assumed to be resolved

7/29/2013 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: this company has called numerous times and when i call them back and gives me a message, but they call family members whom i never even put as contacts on anything i solicit. i have recordings where these people leave messages stating my business to them that i have acomplaint on check fraud and so on. i had closed a bank account because i took out a paydayloan and they were taking more than they should. ive asked in their messages to send me a copy of what i owe, they leave messages like they will send their dogs for me and that they will track me down. i am more than willing to resolve this matter if i owe anything but i will like something in writing emailed to me since its hard to reach these people. if it is from united loans or something like that, they were cited and sanctioned for practicing unlawfully in california and illegally. they were told to stop taking payments and if at all return principal we have paid because of their not having license to do business here. this has ruined my credit and i would like that repaired. i think this collection agency has already violated the law by contacting people other than me and leaving information of about more than a minute long with my debt that is not their concern. these people look for contacts or members.

Desired Settlement: i would like this company to stop calling relatives and work and telling them my business, and do to this i would like my charges dismissed or considered paid due to their unethical collection methods, like i said i have recordings from these relatives whom i dont even visit and i never have as contacts. if a have a debt, i would also like to see it emailed to me.

Business Response:

Ms. ***** states she is receiving calls from us, calls are placed to her relatives and work, and the calls seem to contain threats or personal information.  We have searched our collection system and cannot find an account for Ms. ***** based on the information she provided in her complaint.  We can say it is not our policy to disclose information to third parties or treat anyone in the manner in which Ms. ***** states occurred.

We offer the following suggestions in order to help us identify whether we have an account for Ms. *****.  Ms. ***** refers to her credit.  If she has an item on her credit report, it should have an account number associated with it.  If she could provide us that account number, or the part of the credit report with that information, we might be able to find an account for her.  She could also provide us with the telephone numbers (for her relatives and work) that she claims we are calling.  We can search our collection system using telephone numbers.  Finally, she could provide us with her social security number to help us determine whether we have an account for her.  She can provide us this additional information by mailing it to:  ***** ***** ********** *********** **** *** ***** ******** ** *****.

Please do not hesitate to contact this office should you require additional information.

BBB's Final Determination: Business offered a resolution. Consumer did not pursue further with BBB and the matter was assumed to be resolved

6/3/2013 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: On May 24 I had enough money to pay a 108.47 med. bill I yes I called State and found out about a 480.00 bill from 2008 I settled for 275 as to show goodwill. Later I thought maybe it be better to pay it all off for a pay for delete since it was close to the 7+ mark. I emailed their website my intention of wanting to reopen my account so I could do a pay for delete. No response. I started I started working with **** In fact he wanted me to ask for him and right away he wanted to get started on paying the remaining 205. I asked about a pay for delete he said he he could request it only after its paid in full. I asked about my original med bill to find the amount go from 108 to 109 to 110.63. Id ask for the acct number for the med bill no response. But he told me the acct for the 205 without asking. He likes the idea of getting the remaining 205 paid. I would ask about pay for delete again he would request it that would go on and on. Just the last time I talked to him I said I wanted to pay on my med bill he said we'll get the 205 this month and work on the other next month. I get disability and that's the only income for family of 3. Also an online access code be nice I guess I got mailed one 5 years ago the only problem I did not live there anymore and I was told I couldn't get another one.

Desired Settlement: Let me settle my 5 year old debt, if I cant get a pay for delete which was my only intention for trying to afford to pay it all. I think the 275 is fair. Some kind of statement of amounts acct numbers what was paid on what. An access code to pay my med bill I d rather do it online.

Business Response:

This consumer would like to have the amount he paid on one account be considered a settlement and would like to pay off an additional account online.  He is also requesting a statement about which accounts were paid.  He finally mentions an email he sent but for which he received no response.

First, on the email, our apologies for not responding.  It appeared from the account activity and the calls with our office after we received the email that the consumer's request in the email was handled by our account representatives. 

Second, on the account he wished to have settled for the amounts currently paid, we have cancelled the remaining balance.  In addition, we requested removal of the account from credit reporting. 

Third, we will send a response to the consumer's email based on the request in this BBB complaint.  We will provide him with the amounts paid, the account it was applied to and confirm that account is paid.  In addition, we will let him know how he can make payment on the remaining account online if he so chooses.

Please do not hesitate to contact this office should you require additional information.

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,

 

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

 

 

 

BBB's Final Determination: Consumer accepted resolution offered by the business.

5/23/2013 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: State Collection Services been reporting inaccurate information, not updating information, providing wrong balances, failed to report the payment agreement, the amount of the monthly payments and that the payments have been made on time for the last 27 months. They have been representing this debt, however, it is also being collected by ***** *** ******. I make my monthly payments to ***** and all communication about this debt are through *****. State Collection has had no contact with me since 2010 and that is the year ***** took this debt over. State claims that ***** only represented the client ,******** ******** ****. as it relates to the civil judgment. However, ***** is a debt collection law firm and states that clearly on all communications. Two entities cant collect the same debt! My credit report shows $40000 worth of debt when I really only owe $20000. State has listed this debt multiple times, dividing accounts between my wife credit report and mine, trying maximize the damage being done to our credit. This all started over a debt that was disputed in writing to the original creditor and should never have been reported in the first place until it was resolved in civil court. State Collection has also proved misleading information to the Wisconsin Dept. Of Financial Institutions as it relates to the complaint I filed with them (DFI file # ******). State Collection representatives have been rude, disrespectful, aggressive and completely uncooperative in all recent phone conversation I have had with them since I realized what was on my credit report. I have paid thousands of dollars in higher interest rates and have been turned down for a home loan because of their unethical, unfair and dishonest reporting practices. My sons ability to attend college may also be affected by this and for that I will continue to seek justice. I have read all the other complaints on the BBB web site relating to State collections and its obvious that this is just business as usual for them. All of this because I had a life threating illness. I wonder if all the other patients that go to ****** know what's in store for them if they have trouble with their bills or if the hospital knows how its patients are being treated!

Desired Settlement: Removal of all accounts listed by State Collection Services with all the credit reporting agencies as it relates to my wife and my credit reports.

Business Response:

Mr. ****** and I actually spoke about the issues raised in his complaint earlier today. In summary, it appears that Mr. ****** believes the law provides for somehting other than what it actually does.  We also point out that Mr. ****** lodged a similar complaint (he did not mention us being rude, disrespectul, aggressive or uncooperative)  with the Wisconsin Department of Financial Institutions (DFI) and he disagrees with the outcome of that matter.  However, in order to make a completer response to this complaint, we will respond to his concerns in the order in which he asserts them. 

Claim of inaccurate credit reporting information.  As part of the DFI complaint investigation, we reviewed both TransUnion and Experian credit reporting information.  The balances reflected on the credit report match the balances we have in our office.  Mr. ****** has been making payments on the accounts and those payments are all being reported to the credit bureaus.  We asked Mr. ****** to provide us with a copy of his credit report if he believed there was an error.  We told him he can redact any information from his credit report that he does not wish us to see.

Claim that payments not reported.  Mr. ****** seems to be of the opinion that we are required to report the amount of the monthly payments and that he's made payments.  We disagree with Mr. ******'s assertion.  We report delinquent accounts to the credit bureaus.  We report the required information.  We report the fact that payments have been made, which is reflected in the balance being reported.  However, we are not aware of any law that requires us to report in the fashion Mr. ****** believes we are to report.  We asked Mr. ****** to provide us with support for his opinion in our telephone call today.  We repeat that request here.

Two entities cannot collect same debt.  As we reported to DFI, Heuer Law Offices does represent the creditor in a civil action filed by the creditor related to the accounts we are collecting on behalf of the creditor.  The accounts remain with our office.  Only the creditor may bring a legal action against the consumer and only an attorney (not the collection agency) may bring the legal action on behalf of the creditor.  However, the accounts remain in our office and all payments are reported to the credit reporting agencies. 

Credit report balances listed.  Mr. ****** states his credit report shows $40,000 worth of debt.  We have not seen Mr. ******'s credit report, but we assume he is referring to the fact that the credit reporting agencies will also pick up, as a matter of public record, the judgment entered against him.  The reporting of the public record is not something we have any control over.  We told Mr. ****** he can provide a statement to any lender and to the credit reporting agencies that explains that the judgment balance reflects the accounts listed on his credit report.  As to whether the accounts report on his credit report or his wife's credit report, again, we do not have a copy of either of their credit reports.  However, we report accounts pursuant to the credit reporting agency guidelines and the Fair Credit Reporting Act.  We report accounts based on the information provided to us by the creditor.  Again, we offer Mr. ****** the opportunity to provide us with copies of whatever he is seeing so that we can investigate his claims and respond in detail.  Without any detail, it is impossible for us to determine if we are reporting correctly or not.  However, as noted above, we did review all of the information we have in our system and what information we are able to verify with TransUnion and Experian and did not find anything wrong with the reporting.  We categorically deny that we have done anything to "maximize the damage being done" to their credit or, for that matter, anything wrong at all.

Debt cannot be reported until resolved in civil court.  Mr. ****** does not provide any support for that statement as there is no support for that statement.  Delinquent accounts are reported everyday without being resolved in court.

Misleading information to DFI.  Mr. ****** does not say what that information is.  We cannot respond to this allegation without details.  However, we do state that we did not provide any misleading information to DFI.  Mr. ****** is welcome to clarify what it is that is misleading, but if it relates to any of the above claims, we have obviously made our position known.

Complaints regarding account representative conduct.  We take this claim seriously, as we do all claims regarding our conduct.  We do record our calls and we will be listening to each call and perform the appropriate follow up according to our internal procedures.  We do not condone rude, disrespectful or aggressive behavior.  We do wish to cooperate with the consumer to arrive a resolution.

Other BBB complaints.  As we told Mr. ******, people lodge complaints against collection agencies for various reasons.  In our experience, the vast majority of complaints are unfounded.  We find that people sometimes file complaints in an attempt to gain leverage or because they believe that it will help them resolve their account or get credit reporting removed.  We stand by our record of responding in a prompt fashion to all complaints and arriving at a reasonable resolution.

We have offered to receive whatever information Mr. ****** is willing to provide so we can investigate his claims.  We have performed all credit reporting in a lawful manner.  We will help Mr. ****** arrive at a reasonable resolution of his accounts and credit reporting.

Consumer Response:

I reject State Collection Services response! They offer nothing but denials and any resolution is put on me. I take offense to the implied assertion that I may have filed a complaint that is unfounded to gain leverage towards resolving any account or to get credit reporting removed. There is obvious liability involved with any admission of wrong doing so I don't expect any testimonials from S.C.S. It is clear by their unwillingness to respond to certain aspects of my complaint and to twist the wording of my statements that they are still being uncooperative, misleading and deceptive (and I can prove it).

As I explained, to Attorney ***********, from S.CS., who obviously has the upper hand in interpreting the law and who's daily work day consists of applying those laws to suit the interests of a debt collection agency, there was limited space available and I was told to file a "brief summary" of my complaint on the D.F.I web site and whom I also told that a longer more detailed formal complaint supported by documentation would be filed with the D.F.I in the weeks to come. The examiner at the D.F.I. is aware of my request to keep this investigation open as is Mr. ***********. Therefore, the outcome of this matter has not come to a conclusion and I cant disagree more with Mr. *********** and the assertions he made in his response.

Let me reaffirm my position... S.C.S representatives have been rude, disrespectful, aggressive and completely uncooperative (the D.F.I. examiner has been informed of this). S.C.S. has reported inaccurate information, wrong balances, and has failed to report information that they have the ability to report but "choose not to". S.C.S. continues to list the "civil judgment " as "in collections". S.C.S. has had no contact with me since 2010 nor had any account been updated until I filed a complaint with the D.F.I. (file # ******) last month.

Mr. ***********s response to the conduct of S.C.S. reps. is the same blanket statement issued to all complaints of misconduct by their reps. listed on the B.B.B. web site. Mr. *********** tries to legitimize the grievances by blaming complaints on disgruntled debtors, however, if even half of the sixty plus complaints have any merit that should warrant further review of the debt collection practices of S.C.S. Furthermore, if the "vast majority" of complaints are "unfounded" why does S.C.S. compromise and offer resolution?

As I mentioned S.C.S. has not reported on this debt since 2010 when ***** started representing the creditor. Balances hadn't changed until I filed a complaint with the D.F.I.. S.C.S. did not "report the fact that payments had been made". The "payment status" on the credit reports continues to show this debt as in collections, however, a civil judgment has been awarded and I am in a "payment agreement" with the creditor (******, who is represented by *****).

Mr. *********** asserts that "we report delinquent accounts to the credit bureaus". My account isn't delinquent! Remember my account was originally a "disputed debt". Mr. *********** refers to it as "debt" in paragraph 6, misquoting what I said in my complaint to the B.B.B. on line 16..."this all started over a debt that was disputed in writing to the original creditor and should have never been reported in the first place until it was resolved in court". Once again Mr. *********** misinforms his audience by manipulating my statement for his needs. My accounts were disputed debt resolved in civil court, consolidated under the civil court judgment and are currently being paid as agreed per the written payment agreement with the creditor. The "civil action' is over. A civil judgment was entered in 2010.

Mr. *********** asserts 'the accounts remain in our office" and "the payments are all being reported to the credit bureaus". However, my payments are made to *****, the checks are made out to *****, mailed to ***** and all information about this debt is provided to me by *****. ***** represents the creditor in all matters concerning this debt( per a rep from ***** and a rep from ******). S.C.S. has been silent and inactive since 2010.Every document I have from *****, since 2010 to the present day, clearly states "We are attempting to collect a debt. Any information obtained will be used for that purpose. This communication is from a debt collector".

In paragraph 3 of the S.C.S response Mr. *********** asserts that "I seem to be of the opinion that we are required to report the amount of the monthly payments and that he's made payments. We disagree with Mr. ******* assertion". I never used the word "required" in any complaint or on the phone! These types of semantics are just distractions from the facts. I have made payments!

If Mr. *********** can answer these questions maybe we can resolve this issue:

   1) What collection methods have S.C.S. used to collect this debt since 2010?

   2) Has S.C.S. ever received a payment from me to be applied to the civil judgment?

   3) Has S.C.S sent me any account statements, receipts or correspondence since 2010?

   4) Can S.C.S provide me with copies of the information that you've been reporting to the credit bureaus since 2010?

   5) Did S.C.S provide my medical bill account information to the credit bureaus under my wife's name?

   6) Was this debt disputed with the creditor?

   7) Were these debts consolidated under the civil judgment?

   8) Has S.C.S. been in direct communication with ***** Law Offices in regards to this debt?

   9) Is S.C.S. aware of the written payment agreement I am in with the creditor?

   10) What is the purpose of reporting adverse information to the credit bureaus?

It is my hope that these questions be answered clearly and honestly. That the answers help in settling this complaint. That S.C.S. acts in an honorable, responsible and ethical manner. I will continue to honor the payment agreement. I will also continue to stay within the boundaries of what's fair and ethical. I will continue to cooperate with the B.B.B. and provide them with whatever documentation or contact information they request (from ******** ******** *****, *****, Transunion, Experian etc.).

Thank you

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

                       

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'm happy that S.C.S has cleared up who those accounts belong to. This was information that S.C.S. refused to provide me with in my many attempts to verify what they furnished to the credit bureaus. The fact that the accounts hadn't been updated since 2010 remains. They still haven't told me if these accounts are listed under the civil judgment. The other account not mentioned from my wife's report (1016) also hasn't been updated since 2010 and is listed as "in collections". As I've said before these accounts (my accounts) were consolidated under the civil judgment. If S.C.S. looks up ******** County Case No. ** ******** they would clearly see one case with one amount. My choice to dispute  the original bill is what changes the account to something other then delinquent. I haven't chosen to make payments at this time... I have been making payments since 4/14/2011.I originally called S.C.S. to have them verify the information they were providing to the credit bureaus and as it turns out S.C.S. is still trying to have me validate information. S.C.S. has access to all the files should they choose to verify the information before they list it. I will not provide S.C.S. with any information. S.C.S. chooses to address only what they want. The double talk and semantics continue. I will continue to protect my credit report from those who furnish information that is not correct. The D.F.I complaint is pending and in time I will provide them with all the documentation they  require. As for the B.B.B. complaint, the only resolution is for S.C.S. to remove the accounts from the credit bureaus. The damage is done. My credit has been negatively and irreparably damaged. The fact that they didn't list the payment agreement, payments made or note that these are the same accounts consolidated under the civil judgment remains. The fact that they list some accounts on my wife's report and some on mine has maximized the affect. The fact that now S.C.S. will no longer communicate with me and tells me to call ***** concerning all matters about this debt says it all. If S.C.S. is still handling these accounts why do I need to call *****?  Wait, don't answer that, I cant handle more double talk. The ten questions are still available if S.C.S. feels a need to cooperate. I wont be tricked into listing laws I'm not an attorney. However, I continue  to seek advise from local, county,state and federal officials as well the private sector. My quest for fairness isn't over its just begun! I thank the B.B.B. for their attempts in resolving this matter but it is clear S.C.S. has an agenda that is beyond compromise.            

 

 

Business Response:

We continue to offer to review Mr. ******'s credit report.  We have attempted to address the issues he has raised.  Based on the information we have in front of us, it appears that all accounts are accurately reporting.

He mentions the accounts being consolidated under the judgment again.  This time he asks if the accounts listed on his credit report are the same as those in the judgment.  Without seeing his credit report, we have no idea whether the accounts are the same.  He also says these were "consolidated" under the judgment, so he must believe they are the same accounts.  We have stated repeatedly that delinquent accounts listed with our office may be sent to the credit reporting agencies.  We have also stated that certain accounts, including the same accounts being reported to the credit reporting agencies, were referred to ***** Law Office for legal action.  There's nothing prohibiting the reporting of delinquent accounts to a credit reporting agency that may also be the subject of a legal action.  Mr. ****** seems to think otherwise but he claims that since he's not an attorney and "won't be tricked into listing laws."  The problem is, he's making assertions that just aren't true and should stop making claims that lack any support.

If Mr. ****** does not wish to work with us on his alleged claims, we cannot make him.

 

BBB's Final Determination: After reviewing the position of all parties, BBB determined that the business made a reasonable effort to address the complaint. However the consumer remains dissatisfied.

5/17/2013 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: I received a call on October 6, 2011 from this agency claiming my wife had an unpaid medical billing with ****** Health Care Inc. This agency also claimed I was responsible for it since she was on my insurance. First of all, she was not on my insurance and secondly, this was not a service my wife received by ******. They claimed it was at **** ***** ******** ******** with a Dr. ******. My wife had never been to this hospital, never seen Dr. ****** and never had the services they indicated. I immediately disputed this with the agency and indicated this was either an ****** error or fraud. I immediately contacted all 3 major credit reporting agencies and disputed the collection claim that was on my credit report. I was told that a collection letter would be sent to me and I received one dated October 9, 2011 and immediately disputed it in writing. In my 3 page letter disputing this, I returned it to the agency certified as I wanted proof of my response. I also contacted ****** ****** ***** *** and reviewed this with them and the error that took place and they indicated they would contact this agency to have this pulled from them and code it fraud. Then on October 17, 2011 this agency sent me a letter stating "We received your certified letter today. Our client had contacted us on 10.10.11 to request that we remove this account from your credit report. We did so on that day and have again requested removal today. We have enclosed a copy of that request. Sincerely Compliance Department." It is now 2013 and we are trying to do a financial transaction with our mortgage company and these have NOT BEEN REMOVED FROM THE CREDIT REPORTING AGENCIES!!!!!!!! This has impacted my credit report for the past two years and I am blaming your company for this. I have the proof that this was to be done and it has not because I ran my credit reports today and this is still on there. In addition, I want to advise the BBB that in my letter, I requested from the agency verification of this debt (NEVER RECEIVED ANYTHING), provide me the full name and address of the original creditor (NEVER RECEIVED ANYTHING), and copies of all communication sent to me from this agency prior to 10.9.11 and a call log to prove they were in contact with me prior as they had the claim for many many months as they stated (NEVER RECEIVED ANYTHING). I need this removed immediately from my credit report at all 3 major companies

Desired Settlement: I want this immediately removed from my credit reports (all three major companies), I want an apology from this company because they indicated they submitted this twice and if so, how could they both be missed and lastly, I want to know how they are going to FIX my credit reporting score. This is the ONLY thing negative on my reports. I have NEVER missed one payment in my 22 years of having open credit. I also want a separate letter explaining this should have been removed completely so I have documentation for my loan processing now and in the future. I am more than happy to provide the BBB a copy of the letter from this agency, my certified dispute letter and anything else needed to get this resolved ASAP.

Business Response:

Mr. ****** states we failed to request removal of an account from his credit report and requests we remove it today.  Although it appears to Mr. ****** that we did not request removal of the account, we in fact did request removal at the time he indicates in his complaint.  However, it also appears that a new account was inadvertently placed with our office shortly after we requested removal of all credit reporting and cancelled the previous account at the client's request.  That "new" account was for the same balance and the same date of service.  Please accept the following as a more detailed explanation of what occurred.

Account number ******** (our account number) was placed with our office on 12/14/10.  On 10/17/11 we received Mr. ******'s letter disputing the account.  At that time, we informed him the client had previously requested removal of all credit reporting, which we did at that time, and that we also requested removal of all credit reporting an additional time and provided him a copy of that request.  The account was cancelled and returned to the client at the client's request. 

On 10/18/11, it appears the exact same account was listed with our office.  We assigned that new account a new account number (********).  Without seeing Mr. ******'s credit report, we are guessing that it is this acccount (********) that is appearing on his credit report, not account number ********.  Upon receiving this BBB complaint today, we immediately contacted the client to determine if the more recent account was the same as the prior account and if the recent account should also be cancelled.  The client confirmed that the recent account should be cancelled.  We have cancelled the account.  We also requested removal of all credit reporting, just as we did on the first account.  The request for removal should be acted upon by the three major credit reporting agencies within the next 3 to 7 business days.

If we are incorrect in our assumption about which account number is appearing on Mr. ******'s credit report, please let us know so that we can further investigate the request for removal we made in October 2011.  Please do not hesitate to contact us should additional information be required.

BBB's Final Determination: Business offered a resolution. Consumer did not pursue further with BBB and the matter was assumed to be resolved

5/11/2013 Problems with Product/Service | Read Complaint Details
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Additional Notes

Complaint: today april 30, 2013 at around 10:30 I telephone state collections office in ******* to get information on my bill and to pay it. the receptionist I believe her name was ******** seem unprofessional when she answer because she took her time to transfer me and I had to ask her what she was doing seeing she just had me waiting. she didn't correctly transfer me the line went dead and no one answered on the other end. I telephone back to ask to be transferred by someone who knows how too she abruptly said something I don't recall and hung up on me. I want to pay on this bill and they have a receptionst who won't help with these transactions and my bill is left unpaid and she refuse to help me.

Desired Settlement: I want this agency to contact me so I can take care of this bill asap.and address their agency to do a better job with customer service.

Business Response:

Ms. ******* states she was not transferred correctly on one call and that a second call ended abruptly.  She would like us to contact her so she can resolve her account.  We are reviewing the calls in question.  Please note that it is not our policy and we certainly do not train any account representative to hang up on someone who is attempting to pay on an account.  If we find that is the case, appropriate steps are taken to address such a violation of our policy.  This is, of course, a matter we will handle internally.   We will also review the attempted transfer of the call.  We do not want to lose calls during the transfer process.

We have contacted a supervisor to help address the issue of making payment on the account.  Someone will be contacting Ms. *******, if they have not already done so.

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

BBB's Final Determination: Business offered a resolution. Consumer did not pursue further with BBB and the matter was assumed to be resolved

5/8/2013 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: I had paid an over due account directly to the company that I owed the money too, however they had already sent it to State Collections, I paid the bill in full in Febuary 2009 however it is still showing up as a dilequint account. I have contacted state collections and the company that I owed money too. I called state collections on March 2, 2013 in a which they asked for the checks that cleaared the bank. I hand delivered them to **** a man that works there. To make sure that I dont owe any money I contacted alliant energy ( the people I owed money too) they stated I had a zero dollar balance that the account was paid on Febuary 16, 2009. Today May 7, 2013 I called alliant again to figure out why it shows I owe money when I paid them directly, according to ***** "they talk to State Collections on a monthy basis, that it must be a problem with State Collections." For four years this has been ruining my credit.

Desired Settlement: Fix my credit and credit it to show that the bill was paid four years ago

Business Response:

Ms. ****** states that she paid the creditor directly on an account that was placed with our office for collection.  We confirmed with the client that the account was paid.  We have updated our records to reflect the payment.  In addition, we will be requesting removal of the account from credit reporting.  Please note that it may take the credit reporting agencies up to 60 days to update their files and that is not within our control.

Please do not hesitate to contact us should 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.

I called state collection on Tuesday March 5, 2013.  I stated that I had paid the ******* energy bill in full.  They asked for proof.  I search and searched my bank account to find it ten minutes after they closed.  So the next day March 6 I drove down to the state collection agency on ********* ** and hand delivered the copies to ****, which he said he scanned them into my account.  That they would send ******* energy a piece or paper asking if the bill was paid in full.  And that I should check back in two weeks.  I called here weeks later but according to ***** they didn't receive any communication from them.  I called back on May 7 after calling ******* energy taking matters into my own hands, only to get a run around.  State collections claim ******* had talked to them ******* energy claims they talk to state collections on a month basis.  This was paid in full four years ago when I received a ca that I owed money.  So no 60 days is unacceptable.  You people have ruined my credit enough.  

Regards,

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

 

P.s  It's Mrs.Cassie Rutlin

Business Response:

Mrs. ****** ****** is not satisfied with our requesting removal of an account entirely from her credit report.  We are not required to request removal completely.  The account could remain on her credit report as a "paid collection."  Instead, as indicated, we requested complete removal.  Also, as stated in the first response, we cannot control when the credit reporting agencies act upon a request related to credit reporting.  For that reason, we normally inform consumers that it may take up to 60 days to find any difference in a credit report.  It may happen sooner, in fact, it may occur within 7 days, but again, we do not control the credit reporting agencies.

 

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.   You may remove the account.  

Regards,

 

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

 

 

 

BBB's Final Determination: Consumer accepted resolution offered by the business.

4/30/2013 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: I requested this company remove this derogatory negitive credit from my credit report.. I explained to them St. ********** did not provide the service they were billing me for, this company spoke to me in the most indignit manner, they were extremely uncooperative, unhelpful and unconcerned about incorrect billing. Please see my complaint against St. ********* for more information on why I do not believe I owe this debt.

Desired Settlement: Adjust my account to show a zero balance and remove this derogatory information from my credit report so I can refinance my home. This error is costing me money and stress.

Business Response:

Ms. ****** states she should not be responsible for an account and requests removal of it from credit reporting.  She also makes certain allegations regarding her interaction with our account representatives.  First, we are cancelling and returning the account to our client and requesting removal of the account from credit reporting.  By doing this, we are not agreeing that we or the client have done anything inappropriate.  Second, as we record all of our collection calls, we have investigated Ms. ******'s allegations and handled this matter according to our internal procedures.    

Please do not hesitate to contact us should you have any questions.

BBB's Final Determination: Business offered a resolution. Consumer did not pursue further with BBB and the matter was assumed to be resolved

4/26/2013 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: Constant phone calls at work. This is embarrasing! I have fallen behind on some medical bills and am trying to get caught up. I'm getting fed up being harassed at the work place

Desired Settlement: Cease any telephone contact to my workplace

Business Response: Mr. ***** requests that we not call him at work.  We have marked the accounts currently placed in our office to reflect his request.  Please do not hesitate to contact our office should you require additional information.

BBB's Final Determination: Business offered a resolution. Consumer did not pursue further with BBB and the matter was assumed to be resolved

4/15/2013 Problems with Product/Service | Read Complaint Details
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Additional Notes

Complaint: I was contacted by a representative from State Collection Services about a small doctors bill that was not covered by my insurance company. I asked the representative if the collection had been reported to credit reporting bureaus and the representative advised it had not and would not be reported since I had an arrangement set to repay the small bill. I checked my report through a service that I subscribe to and found that days after I was contacted and an agreement was made and the first payment of the agreement had already been made, that a deregatory remark was put on my credit report by the collection agency.

Desired Settlement: Removal of the deregatory remark from credit reporting agencies.

Business Response:

Mr. ********** states he was told accounts would not report to the credit bureaus if he made payment arrangements with our office and requests that the accounts be removed from his credit report.  We have verified that Mr. ********** was told that the accounts would not report.  The account representative handling the accounts did not follow our policy and procedure in handling the accounts.  The accounts should have been marked to prevent reporting.  We will handle the issue of failing to follow our policy and procedure internally with the account representative.  We also made a request today to have the accounts removed from credit reporting.  It may take 7 to 10 days for the credit reporting agencies to act on the request and that is not under our control.  Finally, we apologize to Mr. ********** for the inconvenience this has caused him.

Please do not hesitate to contact this office should you have any questions.

BBB's Final Determination: Business offered a resolution. Consumer did not pursue further with BBB and the matter was assumed to be resolved

4/12/2013 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: Rec'd physical therapy last summer. After the insurance and write off amounts that VBS had to take we were forwarded a final bill of 100.00 which we made two payments of 50.00 each. We paid the bill in full by 2/15/13. We never received anything else in the mail and then we received a collection notice of 19.00. We contacted the number provided to discuss and I was put on hold then the customer service person advised that she would call back because her system was down to discuss what the additional amount was and why it was submitted to collection. They never called back I went ahead and paid the 19.00 so they would not report to the credit bureau and to this date I have not received anything to indicate what the 19.00 dollars is for. We had a final bill in November of 100.00 and there was no additional treatment.

Desired Settlement: and proof that they are not going to report to credit bureau

Business Response:

First, our apologies for the delay in a response.  The first email notification was missed.  Mr. ***** states that he does not know what the $19.00 charge was for that was placed with our office and that he had contacted a customer service representative to find out what the bill was for.  In reviewing the account, we show Mr. ***** made one call to our office on March 4, 2013.  During that call he made a payment and he did ask what information we had regarding the account.  We were able to provide him with the limited information we had (date of service, the original balance and the insurer).  As mentioned, he made the payment on that date.  He did not ask us for any additional information after the payment was made.  We do not show any other calls to our office associated with this account before or after March 4, 2013.  We did not report the account to the credit bureaus.

In short, it appears from the complaint that Mr. ***** may be stating that he called the creditor (not us) asking for the additional information.  When the creditor didn't call back, he called us and made the payment.  If we are mistaken about that, please let us know so that we may research this issue further, because, as noted, we show only the one call to our office on March 4, 2013.  At this point, we may be able to obtain the information he is requesting from the client even though the account is closed on our end.  We can certainly attempt to do that for Mr. ***** if he would like.  However, since the account is no longer active in our office, he may want to contact the creditor directly.  As stated, we will do what we can to help Mr. ***** determine what the charge was for.

If you have any questions, please do not hesitate to contact us. 

BBB's Final Determination: Business offered a resolution. Consumer did not pursue further with BBB and the matter was assumed to be resolved

4/2/2013 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: I found 2 bills from this company on my credit report in January. I called and paid in full in January. I looked at my credit report and although both accounts say paid. They marked that I failed to Pay in February which is the month after all accounts were paid.

Desired Settlement: Contact the credit reporting agency and correct the error.

Business Response:

Mr. ***** states that we reported to the credit reporting agencies that Mr. ***** failed to make a payment in February.  We are not certain what Mr. ***** is looking at when he makes that statement.  We do not report information in the same way a credit card issuer or a bank does.  That is, we do not report "missed" payments, we report, among other things, that an account was placed with us, the service date (which is the date of delinquency in this case), the original amount placed, the current amount and, when it is paid, the date it is paid.  In reviewing the reporting information for Mr. *****'s accounts, it appears we reported his January payment, which shows as a "paid collection" as he indicated.  We reported that information in February, which might be shown on his credit report as the last date verified or last balance date, depending on the credit reporting agency.  Accordingly, we believe we have reported all information in an appropriate manner.

If Mr. ***** would like to send us the credit report information he is looking at, we may be able to be more specific with a response to his request.  He can send it directly to us at SCSI, Attn: **********, **** *** ****, *******, ** *****.

Please do not hesitate to contact us in the event additional information is 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.  I contacted the credit bureau as well and they have deleted the Failed to Pay marks I was questioning.

Regards,

 

***** *****

 

 

 

BBB's Final Determination: Consumer accepted resolution offered by the business.

3/9/2013 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: The collection agency sent letter to my wife and daughter asking for payment. I asked them to verify the debt as required by law and they did not comply with the FDCPA. I sent out a letter on Dec. 19, 2012 asking for the debt to be validated as I do not recognize this company as someone whom I owe any debt to. They did not respond when asked for proof. Instead they marked my credit with Experian as non-payment. the law states RE: FDCPA Section 809. Validation of debts [15 USC 1692g] (b) If the consumer notifies the debt collector in writing within the thirty-day period described in subsection (a) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector.

Desired Settlement: Remove the mark on my credit report and provide validation of debt as required by law. If this is provided I will have no problem making payment.

Business Response:

Mr. **** states that he requested verification of a debt but has not yet received it.  In addtion, he requests removal of the account from credit reporting.  It does appear that we received the information requested from the client last week and verification is being mailed to Mr. **** today.  While we do not believe that the FDCPA provision Mr. **** refers to applies here (the request for verification occurred beyond the 30 day validation period), we are nevertheless requesting removal of this account from credit reporting.  Please note that it may take the credit reporting agencies 30 to 60 days to update the credit file and we do not have any control over that.  Assuming that payment is made by Mr. ****, as he indicated, the account will not be re-reported.

Please do not hesitate to contact this office should 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.]

First of all the state collection Service never in fact sent me any billings personally. But first of all they sent a bill addressed to my 15 year old daughter. When I called them and inquired as to what the bill referred to and proof of the account and that did they realize they were sending a bill to a 15 year old minor they would not show or send credible proof of the account or validation of the account. The phone call was made in November. In december the State Collection Service issued a bill in my wife's name. I again asked for validation this time in writing on Dec. 19, 2012. Then in Feb. 2013 I find a mark on my credit report due to this issue. No warning no billing in my name whatsoever. No validation as requested when billed in my wife's name and my daughter's name. Also during this whole time I have been making payments to the original service provider and they have been accepting the payments and not once notified me that they no longer own the account or that it had been sent to collections. At this point the full amount of the original medical bill has been paid. So in conclusion I requested validation less than 30 days by phone, in lettter form and then now through the BBB service. Also the State Collection Service is in violation of the FDCPA. 

Regards,

****** ****

 

 

Business Response:

As we understood the initial complaint and the requested remedy, Mr. **** requested removal of the account from his credit report and verification of the account.  As indicated in our response, we requested removal of the account from credit reporting.  In addition, we mailed the verification he was requesting.  If after 30 days, the account remains on Mr. ****'s credit report, he should contact our office (State Collection Service, Inc. Attn: Compliance Department, **** *** ****, *******, WI *****) so that we can follow up with the credit reporting agencies.  If Mr. **** has not yet received verification of the account, he should also let us know that (same address) and we can resend that information to him.

BBB's Final Determination: Business offered a resolution. Consumer did not pursue further with BBB and the matter was assumed to be resolved

12/17/2012 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: State Collection Agency Inc is in violation of multiple FDCPA, FCRA, TCPA, HIPPA and laws of my state in regard to the paid debt listed below. Account fell into collections despite supposedly being paid by my insurance at the time which was ********** ***** government insurance (free medical care) and has no co-pay to insured. Regardless, SCA is in violation of multiple laws including but not limited to violations outlined above, and HIPPA laws. Additionally, mis-reporting information to credit reporting agencies and duplicating accounts on credit reports are direct violations, both of which SCA is in violation of. Account listed below should be immediately deleted within 7 days of the date of this letter or further action will be taken in the form of formal complaints filed with Attorney General and FTC as well as any and all other entities available to me to legally. Account information shown is exactly as listed on credit report and should not be held as accurate. Account number is listed solely for the purpose of account deletion from all CRA's.Account: ****XXXX Paid collection for $219Account: ****XXXX balance shown as $1

Desired Settlement: Immediate permanent deletion of above listed accounts from any and all credit reporting agencies within 7 days of the date of this complaint. Failure to do so will result in the above outlined course of action being taken on 12/12/12. SCA response and copies of any letters to me should be sent directly to the email listed with this complaint as well as an additional hard copy letter sent by postal mail.

Business Response:

Ms. ****** alleges violations of numerous laws.  We do not agree any laws were violated and do deny violating any laws.  Ms. ****** does request removal of accounts from her credit report.  While we deny any wrongdoing, we will request removal of the accounts from her credit report.   It may take the credit reporting agencies up to 30 days to act on this request.  Please note that although we can make the request to remove, we have no control over the credit reporting agencies. 

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

BBB's Final Determination: Business offered a resolution. Consumer did not pursue further with BBB and the matter was assumed to be resolved

12/13/2012 Billing/Collection Issues | Complaint Details Unavailable
11/30/2012 Problems with Product/Service | Read Complaint Details
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Additional Notes

Complaint: I spoke with **** ***** sept 17, 2012. I agreed to pay my $693 bill by oct 20 and she promised to delete ALL my accounts listed by State Collection off my credit report. She told me they were listing more than five. I paid the bill as promised and pulled my credit report a week ago but all accounts are there. They are listed paid in full but they promised they would delete them. She even got approval from her supervisor ******* to delete. I have xalled numerous times to confirm they will delete them but all employees eyare rude and say they cant reach **** or *******. This company is not professiobal once they get your money. They make promises they wont keep!

Desired Settlement: Please remove all your accounts on my credit reports from all three credit reporting agencies as promised.

Business Response:

Ms. ***** states we promised to request removal of accounts from credit reporting and she has called numerous times to reach certain account representatives and the people she has reached have been rude.  In reviewing the accounts, it does appear that the accounts with regard to credit reporting were not handled according to our policy.  Today, we are requesting removal of each account from credit reporting.  Although we are making that request today, it may take the credit reporting agencies up to 15 days to process the request (this is normally a 30 to 60-day update process, but we will expedite the request in this instance).  Whether the credit bureaus process the request and how quickly is not something we control.  However, if Ms. ***** checks her credit report 30 days from today and finds any account remains on her credit report, she should contact our Chief Compliance Officer, **** **********, directly at ###-###-####, extension ****

As to the manner in which Ms. ***** states she was treated, we do record all of our calls.  We expect all our account representatives to behave in a professional manner at all times.  We follow an internal process when complaints like this are made, which includes reviewing the calls and documenting the issue and, where necessary, coaching and discipline.  We are following that process with Ms. *****'s complaint. 

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

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,

***** *****

 

BBB's Final Determination: Consumer accepted resolution offered by the business.

11/20/2012 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: After checking my Equifax credit report I found a collection of which did not belong to me. In my report it had shown State Collection Service as the agency of which reported the collection. It is for another person of the same name in the same city of which I live with a past due account to a hospital I have never been to. I contacted State Collection Service and they confirmed that my information was not matching the past due account they had on file. They advised me to contact Equifax and file a dispute. I filed a dispute approximately 1 month ago and just today I was told the following by Equifax ">>> We have researched the collection account. Account # - ************ The results are: We verified that this item belongs to you. Additional information has been provided from the original source regarding this item. If you have additional questions about this item please contact: State Collection Service,, **** * ********* *** ******* ** **********" I then contacted Equifax to ask them how they came to this incorrect conclusion, they told me that my information matches the information (name and address) provided by State Collection Service. This could not be true because when I spoke with State Collection Service they do not have my address, social security number or middle initial on record. I contacted State Collection Service again and was told again to file a dispute with Equifax.

Desired Settlement: State Collection Service must stop and remove this fraudulent collection on my credit report. Since the collection was placed on my report I have had loan applications denied based solely on this one collection. The denied applications have resulted in extreme difficulty in my recent housing situation both financially and mentally. I am in discussions with my attorney to review any options I have as far as repairing the credit reports and reimbursement for lost time and damages incurred. I have been advised to contact the Better Business Bureau and the Attorney General of Wisconsin to offer assistance in any litigation that may commence.

Business Response:

Mr. ****** (please accept our apologies if this name is not spelled correctly) states that an item that was not his appeared on his credit report.  He requests removal of this item from his credit file.  It does appear that the information we reported to the credit bureaus does not match the information he provides in his dispute.  Accordingly, it appears that Equifax placed information we supplied to the credit bureaus on the wrong credit file.  It further appears that we inadvertently responded to a dispute from the credit bureau.  In reviewing the sequence of events, it appears we had a matching name and similiar, but not the same, address.  Pursuant to our procedure, we should have responded to the credit bureau that the disputed information did not match what we had reported.  We apologize for this oversight and the inconvenience.  In discussions with Mr. ******, we did tell him we would request removal of this item.  Mr. ****** provided us with the necessary information and we made the request to remove this last week.  It may take the credit reporting agencies up to 15 days to correct this.

Please do not hesitate to conctact me should you require additional information. 

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:


Thank you for the reply. The collection appears to have been removed from my report. I appreciate your prompt attention to this matter.

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

Regards,

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

 

BBB's Final Determination: Consumer accepted resolution offered by the business.

11/16/2012 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: Company is trying to collect on a debt that is not owed. I talked to ********* ***. She stated i had two bills unpaid at ****** ******* ******** from the ER. the first bill was from 2009 and the second was from 2011. She was very rude and pushy for money. She was also not specific, which made me question if this was a sencear collection call. She told me it was my responsibility to file with insurence not the hospitals and so it was my falt that it did not get paid and therefore I still had to pay even though It was filed with the wrong in incurance. It has never worked that way. The Hospital files to get paid. I was not convinced so I called the Hospital directly. I had gotten a bill right after the visits but called the hospital and told them of the incurence change. I have not gotten any bills after that. I contacted the Hospital directly and they said that they do not have any bills out in collections for me. The woman i talked to spent a half hour on the computer making sure she had the right information from the hospital. After talking to the hospital and finding out I did not have any bills in collections I called ******** back and she said I still owed it bacause it was transfered to them. Then she started pushing me again to pay by check or chredit. After talking with the hospital I do not beleave this is a legitamit collection. I also gave the hospital the number they called me from (###-###-####) and I was told that they do not work with any one from that number . Had i had the money and did not have the ambition to call the hospital, I may have payed money that was not owed. I wonder how many people they have done this too who have payed them for something that was not owed. I believe this was a scam.

Desired Settlement: I want them to stop calling me. They also need to make sure the people they are calling actualy owe. They need to work with the people who have suspitions, not just say you owe so pay us. and be more polite when someone dose not believe they owe. They need to stop collecting on bills that are not owed. that is a scam and a crime.

Business Response:

Ms. ****** states that we are attempting to collect on accounts that are not owed, an account representative was "rude" and she does not want us calling her.  As Ms. ****** was informed during her calls with our office, we do record our calls.  We have reviewed the calls and are following our internal process with respect to her statement that the account representative was "rude."

In initially reviewing the calls, it appears that Ms. ****** disagreed about whether she is responsible for following up with insurance.  We have contacted the client to obtain information regarding the balance and to determine whether insurance was billed.  We have obtained the information relating to the services and it is being mailed to Ms. ****** today.  Insurance is listed on the information we are sending.  Ms. ****** can evaluate that for herself once she receives the information.  At this point, we have not heard from the client whether insurance was actually billed.  But, as indicated, it is normally the patient's responsibility to follow-up with insurance.

As Ms. ****** has now requested us not to call her, we have marked the accounts so that calls will not be made to her. 

Consumer Response:

Better Business Bureau:

I have reviewed the response made by the business in reference to complaint ID *******, and find that they respons is satisfactory to me for the time but no resolution has been made. It apears they will work with me a little more than was indicated before. However, there has not been a full resolution as of yet. They are looking into it and giving me more information but I still do not know how this will be resolved, so I can not say if this is a satisfactory resolution or not

Regards,

***** ******

 

BBB's Final Determination: Business offered a resolution. Consumer did not pursue further with BBB and the matter was assumed to be resolved

11/4/2012 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: stipulation and order for case ******** is for $1123.37 for which i am responsible for half at $40 per month. which i began paying in August (ex wife was responsible for half and has made her payments) leaving a balance of $561.68 minus 3 payments made by me of $40 each = $120 leaving remaining balance of $441.68 State collection service is now trying to garnish wages from me using the same case numberr but now the total is $2060.94. Also, a defense was faxed to both my employer and to state collection services, however they are still garnishing, without regard to my defense, and or a hearing to determine the validness of the amount

Desired Settlement: state collection service be bound to the original stipulation amount and $40 monthly payment. state collection agency to refund amount garnished to me ,plus interest, and state collection agency receive fines for fraudulent collection

Business Response:

Mr. ******** states he is party to a stipulation and order and we are garnishing his wages.  By way of background, Mr. ******** and his ex-wife had a judgment entered against them for $1,959.49.  His ex-wife moved to reopen the judgment.  His ex-wife entered into a stipulation and order agreeing to pay $1,123.37.  Mr. ******** was not a party to that stipulation and order.  Mr. ******** remains responsible for the entire amount of the judgment.  A garnishment was commenced against Mr. ******** since he did not have a payment arrangement with our office.  Mr. ******** has now apparently sent a defense to the garnishment to his employer and the employer has informed us that it is ceasing the garnishment.  Mr. ******** remains responsible for the full amount under the judgment, which includes post-judgment interest and garnishment costs.  We will not be refunding any amounts to Mr. ********.

Please do not hesitate to contact us should 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.]


there cannot be two seperate amounts attached to a single case number, therefore there cannot be a judgement against me without this first being heard in a court of law, further more, state collection agency has failed to supply any information as to what the alledged debt is for.    state collection agency Must immediately refund any monies garnished, and also $120 paid to them under case **** ****  since they now state i am not a part of that case....which way do they want it....????






Regards,

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

 

Business Response:

We will respond to Mr. ********'s statements in the order he has presented them.  First, there can be, and there is here, two separate amounts related to a single case.  Mr. ******** happens to be responsible for the entire amount of the judgment.  His ex-wife is only responsible for part of that amount.  Second, Mr. ******** says this matter has to be heard in a court of law.  A legal action was commenced against Mr. ******** and his ex-wife.  Niether Mr. ******** nor his ex-wife appeared in that action and the court entered a default judgment against them.  Mr. ******** did not take his opportunity to be heard in a court of law.  Third, Mr. ******** states we did not provide him information on what this debt is for.  Mr. ******** did not respond to attempts to collect, did not respond to a letter from the attorney and did not appear in court after he was served.  At no time has Mr. ******** requested any information about what this debt is for.  We will mail Mr. ******** the information related to this debt.  Fourth, Mr. ******** seems to think that somehow he is not part of the judgment.  We believe this is addressed and explained in our initial response and above.

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,

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

   First off,  how could i be responsible for the full amount when state collections states exwife is responsible for part of it??  simple math. doesnt add up.( 2000 -  amount paid by exwife does not still equal 2000)  second of all, numerous attempts where made to contact state collections about this, including letters to their attorney.  no response to letters, and no one at state collections answers a phone or returns calls, this is documented both by ex wife and my employer.  gee, can anyone else smell a scam?  also state collections has not approached the subject of refunding me money garnished, as there was a defense faxed to them in advance of garnishment, but yet, they still accepted garnishment. also, they state i do not have a payment plan, but yet have accepted  two previously paid amounts of $40 each.  that needs to be refunded also, as state collections has clearly stated i do not have a payment plan.  if they wish to continue a payment plan, they can submit one in writing to me, if not, i will alert the creditor that because of the dealing with state collections, i will file bankruptcy and they will collect pennies on the dollar vs full payment

Business Response:

We believe we have responded to the best of our ability to Mr. ********'s complaint.  We will try again to explain.  He is responsible for the entire judgment amount, whether his ex-wife pays some or all of her portion of the judgment.  When she makes a payment, it gets applied to the entire balance.  If Mr. ******** did not pay anything and his ex-wife paid the entire amount for which she is responsible, there would still be an amount due and Mr. ******** will be responsible for that amount.  If his ex-wife does not pay anything more, Mr. ******** is responsible for the entire amount remaining due.  With the payments that have been made to date, $1,349.82 remains due.  Mr. ******** needs to realize that post-judgment interest is added to the amount that is not paid.  In addition, because no acceptable voluntary arrangement has been made by him to pay the judgment, a garnishment was filed, increasing the costs of the action.  Mr. ******** is responsible for those costs.

We are not going to be refunding any payments.  The garnishment was properly filed.  The garnishment was stopped by his employer when Mr. ******** gave his answer to his employer.  It will now be up to the court to decide whether Mr. ******** has a legitimate defense to the garnishment.  In the alternative, Mr. ******** can contact us to discuss a voluntary payment arrangement that is acceptable to the parties.

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 believe i have explained the proper way to collect numerous times,  have numerous times tried to contact via phone, via mail , via email to State Collections, their representing attorney about these charges, the remainin balance and have  NEVER received a response, its my view that this is state collections tactic all along and probably standard operating procedure to not answer or contact in order to drive fees up to make profit.  state collection may contact me within 5 business days via letter to arrange an acceptable payment option for an agreed upon total as theirs in way off. or I will contact the Creditor in question to let them know state collections workings and let them know they can collect 100% from me, or pennies if they choose to retain state collections as i will file bankruptcy to prove my point.   Further more, State collections has just admitted that there was a reason to stop garnishment, which they received the same day as my employer, therefore, State Collections owes me that amount plus interest as they should never had accepted those amounts, and they owe me $80 plus interest that i had already made via the $40 per month agreed upon amount that they now say there was no agreement to....kinda hard to keep that money as well, as by there own statement there was no agreement with me.

i would also like to see a copy of state collections license to do business in the state of wisconsin, and request copys of all complaints filed against them in the last 3 years 


Business Response:

In order to investigate and respond to these claims, we suggest that Mr. ******** provide us with the dates and times of the calls he placed with us and the attorney handling the case.  In addition, please provide us with copies of the emails and letters sent to us or the attorney.  We have a process in place for all incoming calls and mail/email.  We do not show that we received anything from Mr. ******** other than Mr. ********'s alleged defense to the garnishment.  We add, that it is Mr. ********'s responsibility to provide an answer to the employer to any garnishment action and the employer's responsibility to cease the garnishment action after receiving the answer.

Once we obtain the information from Mr. ********, we can, as stated above, investigate the allegations that he attempted to contact us numerous times.  We also suggest that Mr. ******** contact us at ###-###-#### to discuss a payment arrangement.   

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,

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

alleged defense...  thats very funny.   however, state collections received that defense  ( oh, but i am sure they show no record)   but they did receive a non alleged defense, and therefore should not have accepted the monies.. State Collections has the responsiblility to bring forth the correct amount owed  If any to me,  also, State Collections has 3 business days left to contact me in writing with the correct amount and a payment option that we both agree upon. a copy of their license to do business in the state of wisconsin, and copies of all complaints filed against their company the last 36 months  (thats 3 years for state collections if they dont know)    if not I will take the matter up with the Creditor myself and insure that state collection does not receive their percentage for any amount owed.    for the record, state collections ask me to supply the name of their attorney.  if state collections doesnt know who that is, there are more internal problems with their company than even I know about.      

Business Response: We simply disagree with Mr. ********'s statements.  We provided him with the explanation requested concerning the judgment amount.  We provided him the itemized statements that make up the debt.  We provided him the current amount due.  We provided him with the telephone number to call to discuss a reasonable payment arrangement.  It appears we cannot arrive at a resolution satisfactory to Mr. ********.

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,

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

 the dispute is the amount owed, and the return of the unauthorized monies collected, both the amount that was  garnished when state collections had a defense and should never have accepted the amounts, and the amount paid by me at $40 per month,  it is state collections own admission that they did not have a payment plan with me...so...why were those funds taken and not returned to me with explaination...so far i have 3 different amounts.owed   what needs to be agreed upon is the correct amount owed, its then that a payment arrangement can be discussed.  if state collections is unwilling to, or unable to supply the correct amount, and return funds, then I will take the matter up with the creditor, and state collections will be out of the picture completely .  I plan on meeting with the original creditor on the 15th of this month..so...time is ticking.

Business Response:

Mr. ******** says he doesn't know the amount due.  In our October 1, 2012 response to his complaint, we said the amount due was $1349.82.

Mr. ******** states we have received unauthorized monies.  As explained in previous responses, it was Mr. ********'s responsibility to send his garnishment defense to his employer.  We have no knowledge about when Mr. ******** sent his answer.  The garnishment has now stopped.  In addition, Mr. ******** voluntarily paid some monies to our office.  Those payments were not made under an agreement with us.  Of course, we accept those payments, but that does not stop a garnishment action from being commenced.  Only payment arrangements that we agree to will prevent a garnishment action from being commenced.

We have stated multiple times that Mr. ******** can call us to discuss a mutally acceptable payment arrangement.

Since we received this most recent rejection of the complaint on the date Mr. ******** is meeting with the original creditor, we will wait to hear of the outcome of that meeting.  Again, Mr. ******** is encouraged to call us to discuss this account. 

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,

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

 its obvious that state collections has no clue.   the amount due they sent me is not the correct amount due this has been stated many, many times, over and over again.   why would i call them (assuming anyone there would even answer, or return a call) and discuss a payment plan on an incorrect total amount due?      Also, I requested a copy of state collections liscense to do business as a colleciton agency in the state of wisconsin, along with all complaints against state collections for the past 3 years and have not recieved either....what are they hiding?    makes one wonder doesnt it?     I have stated many times, when state collections finally can admit to the correct amount owed, they can contact me via mail with a payment offer.   maybe they cant read?      Also, they do still owe me reimbursements, for monies paid without a payment plan.. (their words) and for amount garnished.  there reasoning for keeping that money is absurd, they received the defense the very same day, within 3 minutes of the employer recieving it.    again, all this information regarding state collections practices is being discussed with the debtor, and i will continue through my discussions with them to encourage them to terminate any association with state collections as soon as possible.  

Business Response:

In the interests of cooperating with the BBB complaint process, we will respond once again to Mr. ********'s allegations.  We believe we have the correct amount due.  Mr. ******** questions this.  We have explained why he owes what he does.  He refuses to accept the explanation.

We are not obligated to provide Mr. ******** with the information he has requested regarding licensing and complaints.  We will not be providing that information to him.  We will state that we are a licensed collection agency, have been in business since 1949, received the BBB Business Ethics Torch Award, are members of ACA and other trade associations, and pride ourselves on acting with integrity in all aspects of our business.  We have nothing to hide.

We have gone over the garnishment scenario with him through this complaint process and we have nothing further to add.

Our client will be informed of Mr. ********'s concerns.

BBB's Final Determination: Business offered a resolution. Consumer did not pursue further with BBB and the matter was assumed to be resolved

10/24/2012 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: This collection company reported to all three credit bureau's three seperate collection accounts. When I noticed this on my credit reports I was shocked because I had never recieved a bill for any of what they were claiming. I didn't even know what the bills were for. After speaking with them on the phone, they said it was past hospital bills from when I had visited the emergency room on 2 seperate occasions. Of course not knowing about such bills, and having no statments, the bills went unpaid. When I spoke to them, they admitted that they had my wrong address on file, that I had moved from that location several months prior. I gave them my new address and ask that the statements be sent there. I told them it was illegal for them to have put the collection accounts on the three credit bureau reports because I was never notifed of any bills. While on the phone, they agreed to have such collections removed from my account. I sent them an email later, stating that I wanted it in writing because I do not trust this company and I will not do business with them until I have their promise to remove the collections from all three credit bureaus. Instead of sending this to me in writing, they sent it in an email. Again I emailed them stating that I wished to have it in writing, because obviously an email will not hold up in court if I have to go to such extreme measures. I wanted to have it sent via certified ** ****. They sent an email back to me stating that they could not send me a letter stating such things as it was against their policy. I refuse to work with an illegitimate company if they cannot even process a simple request.

Desired Settlement: I want them to send me a letter via certified ** **** stating that they will infact removed the collections from all three of my credit reports.

Business Response:

Ms. ******** requests a  letter from us, sent by certified mail, confirming that we had requested removal of accounts that were submitted to her credit report.  Before addressing this request, we do wish to point out that we have not engaged in any illegal actions.  When accounts are placed with us for collection, we send what is called a validation notice to the debtor.  It is our policy to report accounts to the credit bureaus 60 days after the account is placed if the accounts remain unpaid.  Ms. ********'s accounts apparently reported.  When Ms. ******** called us on September 12, she claimed for the first time that she never received any notice of these accounts.  We do note that we had spoken to Ms. ******** on several occasions prior to this date and that she never mentioned anything about not receiving a notice.  In an effort to allow Ms. ******** some time to review her records and for us to obtain itemized statements from our client, we agreed to request removal of the accounts from credit reporting. 

As Ms. ******** acknowledges in her complaint, she received from us an email acknowledging that we had requested removal and we were obtaining the itemized statements.  Ms. ******** insisted on receiving this acknowledgment by certified mail.  We informed her that we do not send letters by certified mail.  We did not inform her it was against our policy to send a letter stating such things; again, we only told her we wouldn't send it by certified mail.  Actually, we are a bit confused by this request.  The point of certified mail is to show proof of receipt of the letter.  A letter is sent certified so that the sender of the letter has proof it was received.  Ms. ******** acknowleges she received our email, which is proof of receipt of the information in that email.  If proof of receipt is Ms. ********'s intention, then that has been accomplished.

In short, we are not required to send a letter by certified mail and we are not going to send the letter certified mail.  Ms. ******** has the email from us indicating what we did and what we intend to do.

Please do not hesitate to contact us should 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.

I only spoke with the company once prior, and as I explained to them at the time, I was in the middle of driving. I did not get their name or who they were. I assumed it was a scam. You can listen to their phone records to prove this. Also, I want a letter through Certified US mail because I believe that the company is being untruthful. They say that they have already sent out the request to all three credit reporting agencies to remove the collections, but I believe this is a lie in attempt to collect my debt without actually doing any of their required work. I will not pay them anything until I have proof, in writing, that they indeed contacted the company, because if this turns out to be a lie later on after I pay the debt, that I will be able to go to court and have documented proof of the matter.

Regards,

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

 

Business Response: We understand Ms. ********'s reason for requesting something in writing from us.  We did that when we responded to her email.  She has that email.  Our email to her is her proof, as she says, that we said we would request removal of the items from her credit report.  As we indicated in our initial response, we will not be sending a letter by certified mail. 

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.

Regards,

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

 

BBB's Final Determination: After reviewing the position of all parties, BBB determined that the business made a reasonable effort to address the complaint. However the consumer remains dissatisfied.

10/22/2012 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: I have never dealt with such a rude company. The person allegedly in charge of my account is rude and threatening and unwilling to accept the payment schedule/amount that I am able to afford. He says, "they will not accept this." I have no idea who "they" is. This person also informed me that I need to send them $500.00 to make a lesser amount of payment every month. I cannot afford "175.00 a month as we have other medical expenses that we are paying on. They are accepting $100.00 per month currently which they are taking right out of my checking account. I would like to drop this to $50.00 a month which other physcians are accepting as payment. This person also asked me about my income tax returns! This is totally unacceptable to me. I work part time and my husband is on social security disability. We do not have a lot of durable money laying around. We DO have other expenses every month plus expected expenses such as getting automobiles fixed and running which are both well over 10 years old. The person in charge of my acount, he says my "manager" goes by the name of *****. I need to deal with someone other than this person who is not as rude or intrusive. I wish to set up the above amount monthly to pay off this $1658.65 debt to Wheaton-Franciscan Hospital. If Wheaton chooses to use this company for debt collection, they need to screen them a little better.

Desired Settlement: Another person to deal with this account and ability to set up lower monthly payments.

Business Response:

Ms. ********* claims that our company is rude, that an account representative was "rude and threatening and unwilling to accept the payment schedule amount" she is able to afford and wants to drop her monthly payment to $50 per month.  As Ms. ********* is aware, we do record our calls.  We have reviewed the 8/22/12 call.  We determined the account representative was not rude or threatening.   We also determined that we did in fact agree to the reduced amount of $100 per month as Ms. ********* requested.  We did ask about her income tax returns as that is a source of income that can be used to pay accounts.  Our clients do expect us to explore how the account can be paid.  Ms. ********* was presented with some alternative payment arrangements.  In the end, we did agree to montly payments requested by Ms. ********* for a period of 4 months, after which time the payments would be reviewed.

Ms. ********* is now requesting that the payment be reduced to $50 per month.  It is not our practice to negotiate payment arrangements through the Better Business Bureau.  Ms. ********* should contact our office to go over her request to reduce the monthly amount.  If she does not wish to discuss the account with *****, she can request to speak with a supervisor or call our Consumer Relations Help Desk at ###-###-####.

Please do not hesitate to contact us if you require additional information.

BBB's Final Determination: Consumer accepted resolution offered by the business.

10/14/2012 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: My case is a complicated one, involving a lawsuit and medical charges for my son. I am not disputing the charges, and I'm willing to pay them. However, the balance went from approximately $150 to $800 with no explanation of why. I would simply like some documentation from them, and was told they can't and/or won't provide the following: Documentation of what the increased charges comes from, specifically. A monthly statement by mail stating balances due and payments made A printed or email or fax receipt of the "check by phone" payment I made today Additionally, the person was argumentative. I understand that collections is a difficult and trying business, but I'm actually TRYING to give them money. I just want to be sure that everything is documented thoroughly for the customer. I'm sure they're very thorough on their end. It would be nice if they afforded the payees' the same courtesy. It also would help make me feel more secure that I'm not being double charged or over charged beyond what I've agreed to (verbally, by phone). I honestly don't have confidence in that after speaking with them today.

Desired Settlement: I'd like them to change their policies to provide written documentation and monthly statements to those paying the charges in collection. Especially when concerning medical charges and lawsuits, it is very important to have everything documented.

Business Response:

Ms. ******** would like us to change our policy to provide written documentation and monthly statements to those who are paying on accounts in collection.  She also states that we were not willing to provide her with information.  As we stated to Ms. ******** during the call, we do record all of our calls.  We take all claims very seriously.  Since she has also stated that our account representative was argumentative, we have an internal process that will be followed to follow-up that claim.  In responding to this complaint, we did review the call.

We understand that dealing with a lawsuit and a collecton agency can be trying and sometimes confusing because accounts may or may not be placed with our office and then get placed at different times.   It does appear we explained to Ms. ******** why the balance was different.  We explained that we had two different accounts we were collecting for two different creditors that were placed with us on two different dates.  We explained that letters were sent to her son for both balances and that a letter was sent listing both accounts at a later date.   

We did explain to Ms. ******** that we do not send out payment reminder letters unless we have a payment arrangement in place.  That is our policy and we are not able to change that policy.  Ms. ******** was not able to establish a specific date for payments and it appeared she was satisfied with making a monthly call to us to make a payment.  In addition, we did provide her with a tracking number for the payment she made today.  She did receive a complete explanation of this process.  In addition, we did explain that we can provide a receipt once the entire balance is paid in full.

In summary, after reviewing the call, it does appear we addressed the issues raised by Ms. ******** in her call.  If Ms. ******** would like information regarding what the services were that make up the accounts we are collecting, we can obtain that from the creditors and mail them to her son. 

BBB's Final Determination: Business offered a resolution. Consumer did not pursue further with BBB and the matter was assumed to be resolved

9/17/2012 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: First received a call from this company stating one of our bills was handed over to them for collections. We NEVER EVER received a bill from the original bill in question. It turns out they had the wrong address on file. I asked to be sent out an itemized statement for what the bill was pertaining to, they agreed. About four days later I received a bill in the mail with only a dollar amount that was owed, and the creditors name. Nothing more. The creditors name does not even match the place where my husbund had services done at. I did contact the Medical Clinic where services were rendered we are in good standing with our account with them and nothing has been turned over to collections. I called State Collection Service to question it farther, I was told they (Midwest Area Physicians LLC) are affililated, with where services were done at. I again asked for an itemized statement and the creditors contact information so I could speak with them directly. They refused to give me any of the contact information, was told they can not do that. So in theory I should pay for something I know nothing about... They said they will request an itemized statement for me, and when they get it they will forward that information to me. Something is just not adding up here.... I've tried to Google this company that they say we owe (Midwest Area Physicians) . I've found phone numbers in the Milwaukee area. Some numbers are disconnected and some have answering machines where nobody calls me back. Was also told if I do not pay this Collection Agency within a certain time frame that this would be going on my credit report. That even though they have not supplied me with an itemized statement that does not matter, time frame for payment due is the same.

Desired Settlement: I would like the the State Collection Service to a) Provide evidence that this situation is resolved. b) or provide a debt verification letter if they cannot they are to 1) to resolve and close the issue as they have not provided sufficient evidence of debt ownership regarding 2) accordingly not post adverse reporting to the credit bureaus and should they have already they will need to update and have the reporting deleted. They do no have any rights to do this and are frustrating my family and my selves. My account is in good standing with the original creditor and they provided a letter or notice that the debt was unpaid and being transfered to a debt collector. This is an erroneous error and a scam. Once this is resolved they are to stop contacting me, immediately.

Business Response:

Ms. ***** states she and her husband did not receive a bill from the creditor, that she asked us to provide an itemized statement and that we would not provide client contact information.  She would like an itemized statement and requests that credit reporting not occur.  In reviewing this account, it does appear that the address we had on the account was an older address.  We changed the address based on the information Ms. ***** provided to us.  We also sent Ms. ***** a list of the accounts with our office based on our discussion with her on August 27.  Yesterday, Ms. ***** requestd an actual itemized statement and we have requested that information from the client.  Upon our receipt of that information, we will mail it to the *****s.  As the client had an older address for the *****s, we are suppressing the accounts from credit reporting at this time.  This will allow some time for the client to provide us with the requested information and us to send this information to the *****.  Finally, our clients do not generally want our account representatives to refer anyone back to the client.  The client's position is that accounts are now placed with our office and all communications should take place through our office.  It does cause some frustration at times, we understand, but we do wish to abide by our client's wishes.

In summary, we have requested the information Ms. ***** requested yesterday.  We have marked the accounts to not credit report at this time.  Please do not hesitate to contact us should additional information be required.

BBB's Final Determination: Business offered a resolution. Consumer did not pursue further with BBB and the matter was assumed to be resolved

9/6/2012 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: Bottom line, I mailed the collection agency a payment for the entire $231.62 to be applied to my flex spending card. This was on 8/13/2012. It's now over a week since I mailed them their requested payment and they are still calling me daily. I kindly ask that this collection agency read their mail and stop harrassing me with unnecessary calls. I know that they don't read their mail because the charge has not yet been applied to my flex spending account. They've even called two Saturdays in a row at 8AM in the morning, waking up my 6-month-old son. Did they not expect the possibility that I would just pay them like they asked? The calls better cease immediately. What a poorly run collection agency? They've been paid, but they don't read their mail to know.

Desired Settlement: Yes, I expect no further calls or communication from them since they've been paid..

Business Response:

*** *********** states she made a payment on an account with her flex spending card, but we are calling her and have not processed the payment yet.  *** *********** did mail us information to make a payment.  We received that on August 15, 2012.  Unfortunately, when we ran the card, it was run as a "regular" credit card.  It was declined.  There was no indication on the mailing that this should be processed as a flex spending card.  We process flex spending cards in a different manner than we process credit cards.

After the card was declined, we attempted to reach *** *********** to let her know.  We have not been successful in reaching her.  For security and privacy reasons, we no longer have *** ************* flex spending card information.  She may wish to call us and provide that information to an account representative.  She should let the account representative know that it is a flex spending card. 

If you have any questions or require additional information, please let us know.

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 not wish to contact one of their representatives to help them fix their processing error.  Please ask them to mail me another remittance slip and I will mail my Flex spending account information again.  Even though this was in relation to a health care bill and their form did not ask me to specify that it was on a Flex spending MasterCard debit card, I will indicate that on my second remittance.  I hope they learn from my complaint to correct their procedures and to stop hassling people unnecessarily.

Regards,

 ********* ***********

 

 

Business Response: The creditor has requested return and cancellation of the accounts.  We have honored the client's request.  *** *********** should make payment arrangements with the creditor.

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 already requested a new bill be mailed to me and then I will remit payment again and specify that it is on a Flex Spending card.  I do not wish to speak to one of their representatives.  It's been about a week and I have not received the new bill.

Regards,

 ********* ***********

 

 

BBB's Final Determination: After reviewing the position of all parties, BBB determined that the business made a reasonable effort to address the complaint. However the consumer remains dissatisfied.

8/25/2012 Problems with Product/Service | Read Complaint Details
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Additional Notes

Complaint: Upon completion of a debt payment State Collection Agency kept an amount over and above the amount that would have satisfied the debt. They also refused to tell me when I would get the money refunded. They also refused to pay my customary 18% interest I charge for monies owed to me.

Desired Settlement: Refund monies owed me plus my usual and customary 18% interest.

Business Response:

Mr. ********* states that he completed a payment plan with our office and overpaid on the account.  Mr. ********* requests the overpayment and interest.  Mr.********* does not mention that the payments we are processing are from a garnishment that was commenced based on a judgment our client obtained against him.  We just received the last payment yesterday (8/14/12) from Mr. *********** employer.  It is true that this garnishment payment satisfies the judgment and that Mr.********* is entitled to a refund of the overpayment.  The overpayment resulted from his employer withholding the legally required amount of 20% of his wages.  We are processing that check and will be issuing Mr. ********* a refund in accordance with our policy and collection agency regulations.  The collection agency regulations provide that refunds shall be made within 30 days from the close of the month during which the payment was received.  In other words, the regulations do not require a refund until September 30, 2012.  However, we do attempt to process overpayments in instances like this within 21 days of the overpayment.  This allows time for the check to clear all banks and for us to issue a check to the consumer.

Please do not hesitate to contact this office should you require additional information.

BBB's Final Determination: Business offered a resolution. Consumer did not pursue further with BBB and the matter was assumed to be resolved

8/23/2012 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: This company filed a report on my credit report money owed to a Dr. ***** *****. I am not aware of this Dr. nor have I been treated by him, I would like this removed from my credit report file # ********

Desired Settlement: This information removed from my credit report, i don't know him nor do I owe him money

Business Response:

Ms. ***** states that she is not aware of a particular physician and requests removal of an account from her credit report.  Ms. ***** may not have seen the physician since the account we are collecting relates to lab work that would have been ordered by another physician.  The service date for the account is April 9, 2011.  Perhaps Ms. ***** may recall seeing a physician or visiting a hospital on or about that date.  If she does not, we will need to verify that we have the correct person.  Ms. ***** should contact our office and provide us with her address, the last 4 digits of her social security number and her date of birth.  If this information does not match, we will be able to request removal of the account from the credit bureaus.  If it does match and Ms. ***** does not believe she received the services, we normally request that the consumer provide us with a fraud or identity theft affidavit and police report so that we may investigate what may be a fraud or identity theft claim.  Again, we do not have any information that would lead us to believe this is the case.  Instead, we believe that since these were lab tests, some consumers do not recoginze the name of the doctor, but are able to recall receiving services of some sort.

Please do not hesitate to contact this office should additonal 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.

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

I reviewed my work schedule for April 9, 2011 and I was at work all day on that date and could not possibly have taken any test, I am not comfortable giving out my social security number and birthdate to someone who has committed fraud.

Regards,

**** *****

 

 

Business Response:

Although we would be confirming information that we already have or confirming that we do not have the correct person, we certainly understand that someone may be uncomfortable disclosing information.  And we are not suggesting this be done through this process.  Instead, we can be contacted by mail or phone.  If that is not provided though, there is little we can do to investigate and review the account.  In addition, since we are not sure who we would be sending the information to, it is difficult for us to obtain the itemized statement and perhaps the name of the physician who requested the lab work.

And, we wish to apologize as our explanation may not have been clear.  Normally, the date of the test occurs after someone has already seen his or her physician.  For example, I go to my doctor for a physical and my blood is drawn today.  My blood is sent to a lab for testing and review.  The testing and review may occur tomorrow or the next day or even next week.  So, I could be scheduled and present all day at work, yet my blood test, performed several days after my appointment, could occur while I am at work.  Again, we suggest that this lab test may be the result of a health care visit prior to the date in question.

  

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.] This is not my account, I am not going to release my social security number nor my birth date to this company. Why is it so difficult for them to give me the doctors office and information on the billing that would not be releasing any personal information, this would allow me to know when the test were done. i had no test done on or around that date, so this account cannot be mine.

 

Regards,

 **** *****

 

 

Business Response: We have followed up with the billing company for the lab work to obtain the information that Ms. ***** is requesting.  We will mail that to her after we have received and reviewed it.  In the meantime, we are requesting removal of this item from Ms. *****' credit report.  It may take the credit bureaus 30 to 60 days to act on the request and we have no control over that.

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,

 

**** *****

 

 

 

BBB's Final Determination: Consumer accepted resolution offered by the business.

8/12/2012 Problems with Product/Service | Complaint Details Unavailable
7/3/2012 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: I am receiving calls and quick hang ups on my cell phone from this company. No messages and often only rings once, by the time I answer they have hung up. I called the number to inquire who they were and they kept repeating "we handle personal business matters", I asked what kind of personal business matters and they said matters involving personal business. They are truly idiots who are misrepresenting themselves and invading personal privacy!

Desired Settlement: I would like to see this company shut down by the government, or at least barred from making anonymous phone calls and hanging up without leaving messages.

Business Response:

Mr. ***** states we call his number but we do note leave messages.  He states that when he did call us, we disclosed that we were handling personal business matters.  We understand that Mr. ***** may be frustrated.  However, there are reasons we do not leave messages and reasons we do not disclose who we are until we have verified the identity of the person with whom we are talking.  We do not leave messages at this time as a message could disclose private information to a third party.  We do not disclose who we are on inbound calls if the person who is calling does not identify him or herself for the same reason.  We follow these practices so that we do not disclose private information to someone who should not receive the private information.  These privacy laws are meant to protect individuals like Mr. ***** and we attempt to follow those laws as carefully as we possibly can.  It is unfortunate that sometimes these practices create issues, but we do need to err on the side of caution.

If Mr. ***** were to call us and identify himself by providing us with his account number, we would certainly discuss the personal business matter in detail with him.

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

BBB's Final Determination: Business offered a resolution. Consumer did not pursue further with BBB and the matter was assumed to be resolved

6/30/2012 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: The State Collection Service, Inc is taking too much out of my husbands paycheck, they are taking 20% or 257.50 for 1 account. These are the numbers, lets start with what he makes weekly AFTER TAXES, NOT BEFORE. He makes 584.00 weekly, - 100 truck payment, = 484.00 -25.00 truck payment= 459.00. -300.00 house payment= 159.00. + 175.00 teaching every 2 weeks. =334.00 + 119.00 teaching every 2 weeks.= 453.00. -257.50=195.50. They expect us to pay bills with this and eat with this. This amount left will not pay our bills, and force us to go to a food pantry to get our food. Most provide cereal, bread, rice, but not meat, or milk. The necessary stuff to eat and have cereal with. Can anybody there live on less than 200.00 weekly, and 800 monthly?

Desired Settlement: that they only take 10% out instead of 20% weekly, we cannot live on that money.

Business Response:

Ms. ****** states that the amount established through a garnishment is too much and would like to have less withheld in the garnishment.  We do not control the amount of money that is subject to a garnishment.  The garnishment percentage is established by state law.  However, under these cirucmstances, we are willing to contact Mr. ******'s employer to lower the amount subject to the garnishment to the 10% figure suggested by Ms. ******.  We have already received the first payment through the garnishment and we will not be refunding any amount.  This offer to reduce the current garnishment does not mean we will reduce future garnishments that may be required to be filed if reasonable payment arrangements are not established and kept.

Please do not hesitate to contact this office should you require additional information.

BBB's Final Determination: Business offered a resolution. Consumer did not pursue further with BBB and the matter was assumed to be resolved

6/16/2012 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: THey have reported debt on two credit reports, one with a date of 11/08 which is over a year after the payment was made. in addition to that, i have contacted them directly and no one gets back to me. It has been over a month since i began calling. THey also have the account listed as still open on one of the reports. This was a third party car payment that was made through my bank and it was cleared in 2009.

Desired Settlement: need to update my credit report to show it paid and closed

Business Response:

Ms. ********** states she has attempted to reach us and that an account we are collecting was paid.  We do not show any attempts by Ms. ********** to reach us recently (we spoke to her in late 2008), but certainly welcome her to call us between 8:00 am and 9:00 pm central time Monday through Thursday, between 8:00 am  and 5:00 pm central time on Friday and between 8:00 and 1:00 central time on Saturday.  On the issue of payment of the account, Ms. ********** can mail us a copy of the documentation of her payment so that we can forward that information to the creditor.  Just to be clear, the account we are collecting is money due to a bill paying service for a payment it made in March 2008.  The bill paying service would have paid an account (sounds like an automobile loan) on behalf of Ms. ********** and that bill paying service would have then turned to an account for Ms. ********** to pay what the bill paying service advanced (we understand Ms. ********** may have closed that account).  As stated, it is the bill paying service that is due the money, not the company that she had the auto loan with.  The account was placed with us in November 2008.

In summary, Ms. ********** should provide us with proof of payment so that we can provide that to the creditor.  She is also welcome to call us to make payment if this was an oversight.  Please do not hesitate to contact our office should an additional response be required.

BBB's Final Determination: Business offered a resolution. Consumer did not pursue further with BBB and the matter was assumed to be resolved

6/2/2012 Billing/Collection Issues | Complaint Details Unavailable
5/29/2012 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: I had a debt to Guaranty Bank. I have satisifed this debt with Guaranty Bank and State Collection, a third party collector has reported the debt as derogatory to the credit bureaus. This is after I have sent them all supporting documentation including cleared checks. This is completely againt my rights under the FCRA. I have all supproting documentation that I can provide to the BBB including return receipt confirmation of the faxes sent to Sate Collection and Guaranty Bank

Desired Settlement: This is to be removed from my credit history immeadiately

Business Response:

Mr. ***** states he satisfied a debt he had with Guaranty Bank and that the account is appearing on his credit report.  He requests the account be removed from his credit report.  Mr. ***** did send us by facsimile on or about April 17, 2012 copies of checks he sent to Guaranty Bank after the account was placed with our office.  Guaranty Bank did report those payments to our office.  However, Mr. *****'s payments were not sufficient to pay the entire balance due Guaranty Bank.  We did send Mr. ***** the information relating to the account on or about April 16, 2012. 

If Mr. ***** made additional payments, beyond what he provided in his facsimile and what has already been reported to us by Guaranty Bank, we request that Mr. ***** provide us with that information so we can provide it to Guaranty Bank.  If the only payments made are those contained in the facsimile, it appears Mr. ***** still has a balance with Guaranty Bank and all credit reporting is accurate.

Please do not hesitate to contact our office should additional follow up be required. 

BBB's Final Determination: Business offered a resolution. Consumer did not pursue further with BBB and the matter was assumed to be resolved

5/27/2012 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: Shortly after receiving a letter dated March 30th regarding an unpaid Hospital Emergency room visit, I made contact to handle arrangements... The Initial woman on the phone (I Believe was *****) explained to me the situation that the bill was to be paid in full within 60 days or else!! 'Else' being reporting to the credit bureaus and destroying your credit for 7 years. The balance is 4k and paying that in full over the next 60 days was just not an option, but of course don’t want my credit hurt either.. My credit is very important and the only reason this original bill has not been paid which is only 8 months old is because my wife is pregnant and we have personal health insurance that DOES NOT cover pregnancy. The hospitals and doctors all want to be pre-paid at the tune of 8-9k just to deliver the baby!!! Hence the non-covered Emergency room visit has not been paid as life has priorities... I contacted Mayo clinic and asked them to just wait BUT of course nobody is willing to wait and sent it to collection 'State Collection Service Inc.' of Wisconsin... ***** agreed to allow me to make 8 payments and that would keep it off my credit. I reluctantly agreed, because that is still $800 a month but had no real choice as I don’t want the credit to be hurt. We further agreed I would call back on the 13th to finalize the arrangement. I didn’t call on the 13th, as the original letter stated I had 30 days the make arrangement and I didn’t feel I had to be pushed to make the arrangements sooner and start paying sooner. The extra couple weeks would allow me to really get my budget worked out and make this payment arrangement a reality. Then Today April 17th I received a call to my office (UNAUTHORIZED) and which I never gave them this phone number, looking for me to 'collect a debt'.. Speaking to me as if I have never spoken with them before... I initiated the contact mind you originally, so now I’m thrown back a little by some new representative who is being very combative and argumentative and telling me 'this is the way it is' etc... I asked to be transferred to her supervisor as the arrangement was already agreed upon and now i guess that arrangement is not going to work for them!! The supervisor ******* gets on the phone... What a joke!! She has no intention of trying to work with you or collect the money for her company, all she wants to do is threaten you with the fact she can hurt your credit and has that power... These collection agency employees obviously don’t have the right compensation plan worked out because collecting the money does not seem to be a priority??? If i wanted to make payments over the phone with card or send check, that’s OK, BUT they will still report to the credit agencies... Well that doesn’t resolve much does it, what is my incentive to pay if you’re going to destroy my credit anyways? Delinquent 'unpaid' OR 'marked as paid' has the same result for 7 years on my credit!!! Maybe these reps don’t realize that and need to be better educated??? She mentioned they planned to ‘cease communication’ with me, which apparently means I cannot pay at a later date or before the May 28th deadline they mentioned is the eligible date to report to my credit?? She also mentioned ‘They do not initiate judgments’ on unpaid debt... This was important because I asked her to mark my file that she was REFUSING to accept payment from me within very reasonable guidelines… she laughed and basically said she was not going to mark the account or make any notes.. This is the first time I have ever written to the BBB, and not sure it will make any difference at all... I just felt so scorned by the whole situation, with trying to do the right thing and make payments but just being told it didn’t matter and we were going to hurt you anyways... This companies business practices are not good, and by the number of complaints I am not the only one... In aggregate you can probably recognize that for every complaint there are 1k people they did this to that didn’t complain... I hope the BBB of Wisconsin really puts some thought into if this company should hold an A+ rating on your site... Lastly they pulled my credit report without my authorization!!! I know this because they mentioned previous employer they would not know about unless they pulled my credit. This possibly was illegal, but have not checked laws in ********* yet regarding if they are allowed to our not. Plan to do that in the next couple days. I will keep you informed if they are performing illegal activity regarding this aspect of the complaint. Sincerely,

Desired Settlement: To have the opportunity to pay this using a reasonable pay bperiod for this amount of debt without my credit being tarnished in any way.. If that is not possible I see no reason to pay this debt at all, as my credit will be destroyed and the company treated me so discrespectfully...

Business Response:

Mr. ******* makes numerous assertions in conveying his concern.  Some of these assertions we believe are simply a misunderstanding of what occurred and some are a result of Mr. *******'s frustration.   Rather than address each of these claims, we will focus on his frustration with the second call and on his desired resolution.  It appears that Mr. ******* was caught off guard when it was suggested that he make payments by consenting to an automatic withdrawal when that was not a topic in the first call he had with our office.  We apologize for the confusion.  We apparently did not do a good job explaining what it was we could do to help him with his account.

Accounts that are eligible to report to the three major credit bureaus will be submitted for reporting approximately 60 days after they are listed with our office.  On occassion we will suppress reporting.  One of those occassions includes a consumer who has entered into a reasonable payment arrangement.  If payments are received timely and in an amount that satisfies the account in a reasonable amount of time, we will suppress reporting.  If those terms and conditions are not met, accounts are reported to the three major credit bureaus.  Mr. *******'s account is eligible to report on or about May 28, 2012.

As to Mr. *******'s desired resolution, if he wishes to make reasonable payment arrangements in an agreed upon form of payment with established payment dates, we can certainly continue to make the offer to suppress the account from credit reporting.  Rather than having Mr. ******* call back to speak with an account representative or supervisor, we suggest Mr. ******* call our Consumer Relations Help Desk at ###-###-#### to set up payment arrangements. 

Please do not hesitate to contact us should additonal 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.

 

As stated in the original complaint, the best payment arrangement proposed to keep from reporting to my credit is NOT within an acceptable payment plan to the average American.  I cannot afford to pay the total dollar amount owed within 5 payments. I am willing to make acceptable payments that can fit within a reasonable budget of a household of three children.  If they are willing to lower the amount of payment and keep from reporting to all three credit agencies during the accepted term, I am willing to speak with them. If they would like to reach out to me and resolve, they have my phone number on file.

Regards,

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

 

 

Business Response: Please accept our apologies for the delay in a response.  We had suggested as a resolution to the initial complaint that we would accept a reasonable payment plan.  Nothing has changed in that regard.  We also suggested that Mr. ******* contact our Consumer Relations Help Desk so that he could contact us at his convenience, rather than us contacting him.  It appears that Mr. ******* would prefer that we call him.  We will attempt to reach him to see if, together, we can arrive at a reasonable payment plan that is satisfactory to both parties.

BBB's Final Determination: Business offered a resolution. Consumer did not pursue further with BBB and the matter was assumed to be resolved

4/21/2012 Advertising/Sales Issues | Read Complaint Details
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Additional Notes

Complaint: This company is using deceptive and misleading tactics to collect debt. When they contact you they lead you to believe they are with a "State" government agency. My issue is when they called me they said they we're with the "state agency" in regards to a serious matter that needs my immediate attention. When I asked what it was in regards to they refuse to disclose the nature of the call being a consumer debt, not a government debt. After I then verify my address which at first the demanded my SSN# they then advised they where calling in regards to a debt I have with on an old account. Then immediately demanded my banking information when I informed them I don't have the money to pay the balance in full the advised me they can post date a check. They refused to give me any original information on the debt, told me if I have a dispute that I needed to place it in writing but they would continue with collection efforts until they received the letter. I then terminated the call because I felt like this was some scam to steal my banking information.

Desired Settlement: This company needs to have it's name changed, I feel if they are a legitimate company why the deception as to who they are and who the represent. Secondly in this day and age people shouldn't be demanding of personal financial information, if I want to pay something with my banking information that should be my choice as a consumer not be told that it is "required" to resolve an old. I find it hard to believe this company has an A+ (BBB) rating unless they are paying for it.

Business Response:

Mr. ******** states that our name is confusing and deceptive and would like us to change it.  State Collection Service, Inc. was incorporated in 1949 in Wisconsin.  It is authorized to do business in each state as "State Collection Service, Inc."  We are not going to change our name.

We would like to respond to Mr. ********'s statements in more detail, but we cannot locate an account in our system based on the information he provided.  We do record all of our calls for quality assurance and training purposes.  If we could locate the account on which the call was placed, we could respond in greater detail.  If Mr. ******** could provide the name of the creditor, an account number, the name of the person who received the services (if it was not him) and social security numbers (for him or for the person who received the services), we may be able to locate an account. 

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

BBB's Final Determination: Business offered a resolution. Consumer did not pursue further with BBB and the matter was assumed to be resolved

4/13/2012 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: I had an agreement with this Co. to pay $50.00 a month towards my $800.00 bill with the **** ******. They were electronicly deducting that amount with my approval from my checking account. Then in January and Febuary of 2012 I noticed they had stopped. I had just consolidated a bunch of my bills through a new credit card and thought I must have included this bill. On March 10th at 8pm I recieved a very dissturbing phone call from an agent employed by this Co. I asked this agents ID number and he refused to give it to me. I then asked his name and he said it was **** ****. He stated that he had been trying to call me for two months concerning my bill. I am at home from 5 pm to 6am M-F. I am at home 24 hrs. a day Sat.-Sun. I told him my phones showed no sign of his attempts to contact me. He more or less called me a liar. Then in a very, very rude manner he told me to pay the bill in full. After a short conversation I could see he was not willing to negociate. I then asked to speak to his supervisor. He connected me with a person who also refused to give his ID number but stated his name was ***** *****. I do not believe by his severe rudeness and argumentive state that this person was actually a supervisor. Anyway, he proceeded to tell me that I should pay the entire balance now. I stated I couldn't but could continue paying $50 a month. He said I was lying and that I could pay it now. I said I couldn't. He then asked me my income and monthly bills which I quoated. He again call me a lyer. I told him I was going to file a complaint with the BBB,**** ****** and the MN Attorny General. He then said he would accept $50 a Mo. I said that if you hadn't stopped in Jan. and Feb. I would be $100 closer to paying this off. Again he became very nasty. He sated that $50 a month was not enough. My question is--Then why miss 2 months? This is the most unprofessional Co. I havew every delt with. I will be contacting **** ****** to voice my concern that they assoicate with a Co. such as this. I would also like to make note that I was paying the **** ****** $50 a mo. when they turned me into collections. Thank you.

Desired Settlement: I feel that this Co. should pay the $100.00 that they could have but did not recieve.

Business Response:

Mr. ****** is concerned that we stopped taking payments that he had approved be taken from his checking account and makes several allegations regarding account representatives being rude.  Mr. ****** would like us to pay the $100 that we could have but did not receive.  As we explained to Mr. ****** in our March phone call with him, our agreement with him from July of 2011 was to accept payments for 6 months.  When the 6 months expired, we stopped taking payments.  We had to stop taking payments because that was our agreement with him.

We do attempt to record our collection calls.  We reviewed the March 10 call Mr. ****** had with **** ****.  Mr. **** was respectful and not at all rude.  When Mr. ****** wanted to speak to a supervisor, Mr. **** transferred the call.  Unfortunately, that call was not recorded.  We can say that we have a zero tolerance policy for complaints and each of of account representatives and supervisors understand this.

Under the circumstances, Mr. ******'s request that we pay the $100 that he did not pay is not an acceptable resolution.  We have agreed to continue to receive Mr. ******'s $50 monthly payments.

Please do not hesitate to contact us should 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,

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

They stated they would send me a copy of the new agreement and they never did. I therefore believe they are wrongfully withdrawing monies from my checking account. In my phone conversation with the two agents I was continuously interrupted and not allowed to speak. If that is not rude I don't know what is. When you are collecting a debt and the person is making payments each month why not continue to collect while you negotiate a larger amount. They let 2 months slide buy when they could have taken in another $100. This is the $100 I want them to foregive. 

Thank you. 

Business Response:

Mr. ****** appears to say now that he does not wish for payments to automatically be withdrawn.  Accordingly, we have terminated the payment plan so that no payments are automatically withdrawn.  We will however send Mr. ****** the letter containing the payment arrangements so that if he approves of the arrangement, payments can once again begin automatically.

We are not going to reduce his balance by $100.  We ceased the previous payment arrangement because by its terms, the agreement expired.  If we were to continue taking the money from his account, we would not have been honoring the agreement.   If we had not lived by that agreement, Mr. ****** would have a legitimate complaint.  We intended to live by the agreement we reached with him.  

In order to resolve this matter, we will agree to accept monthly payments of $50.  We prefer to resolve the accounts by receiving the balance in full.  We ordinarily do not enter into prolonged payment plans without knowing the complete financial circumstances and with the understanding that a consumer's circumstances can change. 

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,

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

Here we go again with them not taking payments and yet complaining that the debt is not being paid. I am going to contact the **** ***** collection dept. and ask that I make payments to them so they can get thier monies and I can be relieved of this debt. I will explain to them that this co. cannot make up it's mind.

Thank you.

BBB's Final Determination: After reviewing the position of all parties, BBB determined that the business made a reasonable offer to resolve the complaint. However the consumer did not accept the offer.

3/26/2012 Problems with Product/Service | Read Complaint Details
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Additional Notes

Complaint: this company calls at least once a day,including times after 9p.m. and sundays. they have the wrong phone number. they call about several different people that do not reside here. i have asked numerous times to be removed from their list but the calls won't stop.

Desired Settlement: stop the calls

Business Response:

Mr. ***** states that we call his number, sometimes after 9:00 pm and on Sundays, and he has informed us that it is a wrong number.  We have reviewed the accounts in our office associated with the telephone number provided by Mr. ***** and the  calls made.  We have never called after 9:00 pm as our system is designed to prevent calls after that time.  We are not open on Sunday.  It concerns us that Mr. ***** believes we have made calls after 9:00 pm or on Sunday and we welcome him to provide us with this information so we can investigate this issue.  If someone is "spoofing" our number, we need to know.

We did speak with Mr. ***** today.  He informed us we had the wrong number today.  We immediately marked the number "bad" on the accounts we currently have in our office so that calls are not made to his number.  In reviewing the notes on the account, it appears this is the first time we have spoken to Mr. *****.  He should not receive any calls from us related to the accounts we currently have in our system.

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

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,

 

***** *****

 

 

 

BBB's Final Determination: Consumer accepted resolution offered by the business.

3/19/2012 Billing/Collection Issues | Read Complaint Details
X

Additional Notes

Complaint: i asked company to send proof of bill being owed by me.they not only dont have proof but refuse to take bill off my credit report. i have never even been late with a payment to anyone since 2003,much less owe a bill and allow it to go as far as collections agency. my credit report has suffered because someone has made an error.

Desired Settlement: take bill off of my credit report,apologize for credit being denied me due to someone elses error!

Business Response:

Mr. ****** states we refused to provide information and remove an account from credit reporting.  If we have the correct account, we are confused by Mr. ******'s statements.  As Mr. ****** is aware, we do record our calls and after reviewing the calls, there is an apparent misunderstanding related to what we did and can do.  Mr. ****** did ask about the account, said he would pay it if he could not find proof of payment and we agreed we would request removal of the account if it was paid.  Mr. ****** has apparently reconsidered his position and we understand that.  Accordingly, we have cancelled and returned the account to the client.  We have also requested removal of all credit reporting.  We note that it may take the credit reporting agencies up to 60 days to remove credit reporting and that is beyond our control.

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

BBB's Final Determination: Business offered a resolution. Consumer did not pursue further with BBB and the matter was assumed to be resolved

3/9/2012 Advertising/Sales Issues | Read Complaint Details
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Additional Notes

Complaint: I have had them for almost a year and half paying what I owe from a hopsital in **********, **. I notice they do not make any attempt in sending me a bill each month. Instead they send me a bill if I am already late. This is unfair practice. I am also sending this letter to UPMC as well. I had made my attempt requesting State Collection to mail me the last bill. They still havent done it and I am not going to wait to allow them to report to credit bureau. They are trying to force me to pay not using checks.

Desired Settlement: I am requesting an investigiation to why they are not sending me a bill in a timely matter. Especially when I had already send them a letter requesting they send me a bill.

Business Response:

Ms. ***** suggests that we should be sending her a bill every month for the account we are collecting and that when we did mail a letter, it was late.  We appreciate the issue raised by Ms. ***** regarding a regular bill.  However, we are not a billing service.  Because we are not a billing service we do not, as a matter of routine, send out regular bills.  However, we do send certain letters, depending on the payment arrangements entered into by us with the consumer.  An example would be if someone set up a series of post-dated payments.  The great majority of accounts on payment plans do not receive any type of letter or reminder unless it is required by law.  Again, we understand that a consumer may wish to receive a bill or letter, but our clients do not hire us to provide billing services.

On the issue of when we do mail letters and those letters being late, if an acceptable payment arrangement is established, a payment reminder letter normally goes out 8 days in advance.  We understand there may be delays in the mail on occasion so we do add a grace period, for lack of better term, at the end of the time period.  We have found that handling these matters in this fashion works most of the time.

Please do not hesitate to contact this office should you have any questions.

BBB's Final Determination: Business offered a resolution. Consumer did not pursue further with BBB and the matter was assumed to be resolved

3/6/2012 Billing/Collection Issues | Read Complaint Details
X

Additional Notes

Complaint: ******* placed a debt with State Collections, after I found this out, I called ******* and ******* and I figured out for a portion of the debt my insurance was never billed. I had Medicaid. They submitted that portion to the insurance. The remaining balance was a deductible that was owed. I set up $100.00 monthly payments with ******* from *******. A month or so later I received a summons to appear in court from State Collections attorney. I called ******* at ******* and she could not explain why I received this. Her supervisor **** and her called **** at State Collections to question this. I personally spoke with **** the same day and she stated not worry about the summons or appearing in court and that it would all be taken care. I continued to make my monthly payments to *******. Then I received a wage garnishment in the mail, and so did my employer. I immediately called ******* at ******* and again she was concerned that I received this. She called and left a message for ****. Still waiting on response from ****. It seems to me that State Collections does not have their business in order and have no idea what they are doing. It is apparent that you cannot collect on a debt that is clearly being paid to the original debtor and they have notified of this.

Desired Settlement: I require an immediate cease on the garnishment. I want an apology letter sent to myself, ******* and my employer for the wage garnishment. I want the judgement removed from my credit report as apparently if there is a wage garnishment there is judgement. I want a letter from the attorney explaining the judgement was placed in error and it has been removed sent to me, the courthouse and all three reporting agencies. The interest State Collections tried to add on to this debt needs to be reimburssed to me for the hassel of their illegal collections practices.

Business Response:

Ms. **** states an account she has with our office was or is not being handled properly.  As we indicated in an email to Ms. **** yesterday, we did need to contact our client to discuss the handling of the account.  Today, we did discuss the account with our client.  The client confirmed that Ms. **** was responsible for the court costs and fees incurred in the legal action plus the amounts remaining after the adjustments were given by the client.  We do understand from the client that she had agreed to make monthly payments of $100 until the balance, including court costs and fees, were paid in full.  The last payment reported to us was made in December 2011.  The client confirmed it did not receive any payment in January and that Ms. **** did not contact the clent regarding payment until after a garnishment was served in February.

We did advise Ms. **** yesterday that we had released the garnishment and had notified her employer.  We also advised her this morning, via email, that we reversed the costs of the garnishment so that she is not responsible for those costs.  We took those steps in an attempt to resolve her complaint.  It is not an admission that the legal action or the garnishment were filed improperly.

We did inform Ms. **** about payment arrangements and gave her a direct contact at our office if she had additional questions regarding the handling of the account.

Please do not hesitate to contact our 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 balance State Collections is reporting owed is not correct.  I never once agreed with them nor ******* to pay court costs or any additional fees.  I set up a pay agree with ****** at ******* for the amount of $477.30.  I have made two payments of $100.00 leaving a balance owed of $277.30.  I have discussed this information with ******* and ****** has confirmed this is the amount owing.  I will have the balance of $277.30 paid in full by March 2012 and I will consider this balance as paid in full, as will *******, per my conversation with ******. 

Regards,

******* ****

 

 

Business Response: We have discussed this matter with our client on several occasions since Ms. **** contacted us and the BBB.  Each time the client has confirmed that Ms. **** is responsible for the court costs and fees.  It is not clear to us where the misunderstanding is occurring.  The client has made it clear to us that the client would like Ms. **** to contact us, not the client, to resolve the balance.  Given that statement, it would appear our client is satisfied we are handling the account appropriately.  We will continue to be available to discuss reasonable payment arrangements with Ms. ****.

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 spoke with *** at State Collections and agreed to pay $25.00 a month.  He told me this was not acceptable, but State Collections would apply any payment I sent them.  I was willing to settle on this account when my balance was $277.00, but as I will not be benefiting in any way from now having to pay court costs that I do not agree with and never agreed to pay the $477.00, I am willing to pay $25.00 a month to settle this account. I hope this arrangement will be acceptable enough for State Collections to settle this complaint with the BBB of Wisconsin. 

Regards,

******* ****

 

 

Business Response: Ms. **** is suggesting that she pay and we accept monthly payments of $25 until the account is paid in full.  Ms. **** does indicate that we told her we would accept the payments, but that the arrangement is not acceptable.  We do want to make sure that Ms. **** understands we want to work with her to resolve the account.  Ms. **** may wish to call our Consumer Relations Help Desk at ###-###-#### to discuss her account. 

BBB's Final Determination: Business offered a resolution. Consumer did not pursue further with BBB and the matter was assumed to be resolved

2/26/2012 Problems with Product/Service | Read Complaint Details
X

Additional Notes

Complaint: I have attempted to call on numerous occassions since November 2011 the numbers provided ###-###-####and ###-###-#### to pay my balance but both ring once and then I get disconnected. Additionally, in December 2011 I wrote my credit card information on a payment form and sent it in to the appropriate address of: State Collection Service, Inc. PO Box 6250 Madison WI 53716-0250. The payment was never processed and I now have a poor credit score because State Collection Services posted a negative on my credit.

Desired Settlement: I wish to have the payment that was sent on December 16th 2011 processed accordingly and for this company to remove the negative report they've placed on my credit.

Business Response:

Ms. **** states she is disconnected every time she calls and sent credit card information to us but the payment was never processed.  We can review internally our call logs to determine the calls Ms. **** made to our office but we would only be able to check for the phone numbers on the account, which includes the telephone number in Ms. ****'s complaint.  We obviously do not want calls disconnected, but occasionally we know this happens from time to time.  If Ms. **** wishes, she can provide us the times and dates of those calls when this occurred so that we can determine the cause.

On the credit card processing, it does appear we attempted to run the credit card but it was declined.  Our system notes do not indicate the reason it was declined.  We do not keep this kind of actual credit card information on the account, so we cannot attempt to run it again.  However, Ms. **** can, if she wishes, make a payment through our automated system (call ###-###-####, which is the number she includes in her complaint, but that is the number she can use to make an automated payment) or she can go to our website (statecollectionservice.com) and complete the consumer form so that we can communicate with her via email.  If she consents to email communication, we can provide her an access code to our payment website, and she can enter the appropriate payment information there.

Under these circumstances, we can request removal of any credit reporting once the payment is completed.  Again, it is not in our best interest to have telephone or other communication issues, so we appreciate Ms. **** for bringing this to our attention.

Please do not hesitate to contact our office should additonal informatino 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 believe that if the business attempted to process my payment but was unsuccessful, they should've contacted me to notify me of this information. And when I say they should've contacted me, they should've called me and left a message for me to call them back if I did not answer. This is very poor follow up and business practice on their part. I have since resent the payment, again with my credit card information, and hope that if the same issue should occur, they will contact me to notify me that the payment could not be processed.

 

Regards,

***** ****

 

Business Response:

Ms. **** believes it would have been appropriate to leave a message for her when her payment did not go through.  Currently, and for some time, we have not left messages for consumers in order to protect the consumer's privacy rights.  That is why no messages were left.   Hopefully the payment information she provides will allow us to complete the transaction and no message will be necessary.

BBB's Final Determination: Business offered a resolution. Consumer did not pursue further with BBB and the matter was assumed to be resolved

2/18/2012 Problems with Product/Service | Read Complaint Details
X

Additional Notes

Complaint: Keep calling about a bill from a now defunkt chiropractic clinic. We were billed for a few visits that my daughter was not able to keep because every once in a while the clinic would be closed when she showed up for an appointment. The last bill was for services that she never got because the clinic closed without warning. I told the collction agency that the clinic and I had resolved the bills. I further directed them that if they wanted to pursue it further to call my lawyer. He is eagerly waiting for them to call. His name is *** ******** at **********. Every few months I and my daughter get a call within a few minutes from the same phone # The caller refuses to identify themselves and they scare my daughter (who lives alone) by refusing to identify themselves unless she tells them who she is. I was only able to identify who it was by using reverse phone calling and the internet.

Desired Settlement: Stop harrasing me and my daughter. If they have a problem please call my lawyer. He wants to talk to them, I do not.

Business Response:

Mr. ******* requests we stop calling him and his daughter.  He states he had resolved the bills directly with the creditor.  He further states we should call his attorney.  Mr. *******'s daughter does appear to have given permission for us to discuss an account with her father.

At one point, we did receive the name of the attorney Mr. ******* references in his complaint.  In fact, on July 27, 2011, we spoke with that attorney who indicated he did not have any information concerning this matter and said he did not represent Mr. *******'s daughter.  Thereafter, we attempted to contact Mr. *******'s daughter directly.  Most recently, we did call Mr. *******'s telephone number in an attempt to locate his daughter.  An unidentified female did ask what this matter concerned.  For privacy reasons, we were not able to disclose the nature of the call.  We also did call another number associated with the account, but there was no answer.  We were not able to locate a call where we refused to identify ourselves when we believed we were speaking to Mr. *******'s daughter.

With that background, as Mr. ******* says he had resolved the bills directly with the creditor, we have forwarded that information to the creditor for a response.  In addition, as Mr. ******* has requested we cease calls to him and his daughter, we are doing so.  We will not be contacting Mr. *******'s attorney given the discussion we had with the attorney in July 2011 and Mr. ******* does not indicate that his attorney represents his daughter.  Once our client has provided us with information, we can attempt to forward that to Mr. *******'s daughter.  We are not certain we have a current address for her. 

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

BBB's Final Determination: Business offered a resolution. Consumer did not pursue further with BBB and the matter was assumed to be resolved

2/11/2012 Billing/Collection Issues | Read Complaint Details
X

Additional Notes

Complaint: account #******** is reporting on my credit report incorrectly. this is a paid account with the original creditor.

Desired Settlement: immediate deletion from my credit report

Business Response:

Mr. ******** states an account we are collecting was paid to the original creditor and requests deletion of the account from credit reporting.  As of this time, we have not received any payment information from the original creditor.  In order to help Mr. ******** and investigate this issue with our client, it would be helpful if Mr. ******** provided to us the date and amount of the payment to the original creditor and the form of payment.  In addition, if he has a receipt or other form of proof of payment (for example, a cancelled check or credit card statement), we can provide that to the client to help the client locate the payment.  Mr. ******** can mail that information to: ***** ***** *********** ** *** ***** ******** ** ******

In the meantime, we have noted that Mr. ******** disputes this account and have placed our collection efforts on hold while he gathers the requested information.  Please do not hesitate to contact us should you require additional information.

BBB's Final Determination: Business offered a resolution. Consumer did not pursue further with BBB and the matter was assumed to be resolved

2/6/2012 Billing/Collection Issues | Read Complaint Details
X

Additional Notes

Complaint: Collection Notice Rec'd 11/30/2011. Bill payed directly to Johns Hopkins in the amount of $50 on 11/30/2011 for Date of Service 10/28/2010. Rec'd a second notice on 1/23/2012 for the same account and date of service and again for $50. Called to speak with collection agency supervisor and was told that it would take several days to investigate the possibility of a duplicate charge. Returned telephone call to Collection Agency after attempt to contact Johns Hopkins and was told that the supervisor "there was an error, you now have a $0 balance". I requested a letter from their agency stating that the charge was made in error and that the balance had been paid in full, I was told that was against their policy.

Desired Settlement: A letter stating that the charge was an error and that the balance has been paid in full, that there would be no additional collection notices sent in the future in regards to this account number and date of service.

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 am requesting in writing a notification from this business stating that the account is free and clear and that there will be no additional attempts to collect payments.

Regards,

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

 

Business Response:

We will send the requested letter today.

BBB's Final Determination: Business offered a resolution. Consumer did not pursue further with BBB and the matter was assumed to be resolved

1/31/2012 Billing/Collection Issues | Read Complaint Details
X

Additional Notes

Complaint: A collection is listed on my credit report. I paid UPMC; the listing should be removed from my credit report.

Desired Settlement: Remove the listing from my credit report.

Business Response:

Mr. ******* states he paid an account we were collecting and wants it removed from his credit file.  Mr. ******* previously sent an email to our office indicating he had an item on his credit report.  We responded by asking him to provide information concerning the nature of his dispute.  His apparent payment on the account he was disputing was just reported to us.  With this complaint, Mr. ******* requests removal.  Under the circumstances, we have made a request to the three major credit bureaus to delete the account.  The credit reporting agencies may take up to 30 days to act on the request and we do not have control over that.

Please do not hesitate to contact us should you need additional information.

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 appreciate State Collection Service taking the time to resolve the matter by contacting the credit bureaus to delete the account.

 

Regards,

**** *******

 

BBB's Final Determination: Consumer accepted resolution offered by the business.

1/30/2012 Billing/Collection Issues | Read Complaint Details
X

Additional Notes

Complaint: We were alerted by our credit report that there was a collection on our report. We called this agency and asked why this was on there and they said that a past due bill had not been paid. We then found out that the bill was being sent to a home we sold back in 1999. We paid the bill immediately and told them we were never informed we owed this and told them we wanted it removed from our report immediately as we were in the process of obtaining a mortgage. They said it would take up to 60 days, but that it would be done. We have documentation that it was paid and a letter from stating it was going to be removed. That was back in Sept. of 2011. We were recently informed that this was still on our credit rating and that it shows it was never paid.

Desired Settlement: That they immediately show that it was paid and permanently remove this from our record and that an APOLOGY be sent to us for damage that it did to our credit rating and how it affected us in obtaining a mortgage.

Business Response:

Mr. ***** states an item remains on his credit report after we agreed that we would request removal.  It does appear that we did in fact request the three major credit bureaus to remove this account from the credit reports back in September, as agreed.  Unfortunately, on occasion, even though we may make the requests to the credit bureaus, the credit bureaus may not find the correct credit file to update.  We do not have control over the credit bureaus.  Although we do not have control over actions taken, or not taken, by the credit bureaus, we have made another request to the three major credit bureaus to delete the account from Mr. *****' credit report.  This request is being electronically sent today.

If this item continues to appear on his credit report after 15 days, we suggest that Mr. ***** dispute the account directly with the three major credit bureaus.  If Mr. ***** wants to let us know which of the three major credit bureaus continues to report this account, we can attempt to investigate the reasons it (or they) did not act on our request for removal back in September/October.

Please let us know if we can provide any additional information.

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 have spoken numerous times to the employees there and they worked very hard to rectify the error.  Thank you.

Regards,

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

 

BBB's Final Determination: Consumer accepted resolution offered by the business.

1/30/2012 Billing/Collection Issues | Read Complaint Details
X

Additional Notes

Complaint: We had a series of medical bills that took more than 6 months to be processed by our health insurance provider. These bills were sent to State Collection Service Inc for collection. At the end of December the final bills were covered by our health insurance provider, and I had to pay the rest of the medical bills. I called State Collection Service Inc and paid off the remaining balances on all of our bills. State Collection Service Inc took the money, but has failed to provide the Hospital/ doctor the funds or proof that we have paid these debts. State Collection Services is very nice and says they will provide receipts, and notification to the hospital, but they have failed to provide any of these services. Now we are unable to schedule appointments because the hospital says we have outstanding bills.

Desired Settlement: Please provide in writing proof of payment to State Collection Services that outlines accounts and the dollar amount paid.

Business Response:

Mr. ****** alleges we have not provided our clients with funds or proof of payment for amounts he has paid.  We were collecting on two separate accounts.  The first account in the amount of $1008.80 was cancelled and returned to the creditor (************ ********) at the creditor's request on or about October 24, 2011.  As that account was cancelled at that time, we do not have any information concerning payments.  The second account in the amount of $500 was paid, as Mr. ****** states, on or about 12/29/11 and the payment and status of the account reported to the creditor (******* *********** ****) in or about the first ten days of the month of January (which is the normal practice at month end for this particular client).  On 12/29/11, we also printed a receipt to be mailed to Mr. ******, acknowledging his payment.  The receipt would have been mailed within 10 days of the generation of the receipt as part of our normal process.  

Accordingly, we are not sure why Mr. ****** believes we hold any funds or have failed to report his payment to the cleint.  We acknowledge in this response the accounts we were collecting (at least those we were able to locate given the information provided by Mr. ******) and the status of those accounts.  If he has not received his written receipt, we can request a duplicate be mailed to him at the address we have on the account, which does match the address in his complaint.

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

BBB's Final Determination: Business offered a resolution. Consumer did not pursue further with BBB and the matter was assumed to be resolved

1/20/2012 Billing/Collection Issues | Read Complaint Details
X

Additional Notes

Complaint: After obtaining a copy of my credit report I see that you are reporting 3 accounts #******** ******** *** ******** from a “********* ****** ******** ****” and 2 from "******* *** *** ********" - and this is the first I have been aware of this. I spoke to my attorney and we discussed the situation. I was never sent a written notice of this claim as required under the FDCPA which would have provided me with 30 days to respond and request validation of the claim. By not doing this and putting it on my credit you have violated the FDCPA and I am now entitled to $1,000 plus damages pursuant to the length of time it has been on my report (per violation - so this is $3,000 plus damages). I have never had business with these companies not to mention I live in *******! I have researched them and they are not even located in *******! This seems like an attempt at fraudulent extortion by your company. I have not given my Attorney the go ahead to file suit yet, as I wanted to contact you first. If these are not removed from my credit immediately I will allow my attorney to take over as well as file complaints with the FTC, the Attorney General as well as my State Senator. I await your reply.

Desired Settlement: remove these accounts right away

Business Response:

Mr. **** states that three items that are not his appear on his credit report.  We understand his frustration as we, on occasion, are required to respond to items that are inadvertently placed on the wrong consumer's credit file.  It is for that reason that each of the three major credit bureaus have a mechanism by which a consumer may dispute inaccurate information directly with the credit reporting agency.  A consumer can do this by entering the website for one of the three major credit bureaus and following the steps set forth to dispute an account.

As to Mr. ****'s complaint, we have reviewed our system and the account numbers Mr. **** references in his complaint.  The information Mr. **** provides in his complaint (address and telephone number) does not match the information we are reporting to the credit bureaus.  For that reason, we believe that this may be an inadvertent error by the credit reporting agency.  We can say that we do have a social security number for the individual associated with the three accounts Mr. **** refers to and that is part of the information that is sent to the credit bureaus for identification purposes.  We, of course, are interested in making sure that this information is reported on the correct person's credit file and making sure that if we are reporting incorrectly, it is not on the incorrect person's credit file.

As mentioned above, Mr. **** may wish to dispute these accounts directly with the credit reporting agencies.  That way, he can provide them the necessary private information to investigate the reporting.  In the alternative, we do have a way of notifying the credit reporting agencies that it may have made a mistake.  However, we normally request that the consumer provide us with additional identifying information like: prior addresses, a social security number and a date of birth.  Some consumers provide this information to us and we then deliver that information to the credit reporting agencies.  Other consumers understandably do not wish to provide us with that information, in which case, they are better off disputing the account directly with the credit bureaus.  The more identifying information that is provided, the more likely the credit bureaus are to add or remove information from the appropriate consumer's credit file. 

In short, it appears that this may be an inadvertent error on the part of the credit reporting agencies.  In order to help ensure that his credit file is updated, he may wish to dispute this directly with the credit bureaus.  In the alternative, he can provide us the additional information, by mail (***** ***** *********** ** *** ***** ******** ** *****), so that we can supply that to the credit reporting agencies along with a request to delete the information from his credit file. 

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.

ARE YOU KIDDING ME?!?! This company is stating there is an error yet they want me to provide my social security number?! HAHA. My Attorney fell out of his chair laughing when I told him that. No way will I give anyone my personal information such as that.


They state they do not have my address or number on file. SO, I suggest they handle this right away or I will take action.

Regards,

*** ****

 

Business Response:

It appears we were not clear in our prior response and for that we apologize.  We suggested two ways in which Mr.**** could obtain the relief requested.  First, he can dispute this directly with the credit reporting agencies, supplying the credit reporting agencies the private information necessary to perform an investigation.  Second, he could provide it to us so that we can report this to the credit reporting agencies.  We understand that he may not be willing to provide us that information and we are not demanding he provide it to us, but perhaps that was not clear in our response.  As we explained, we do not have Mr. ****'s identifying information on our accounts, so we can only speculate about how the accounts were placed on his credit file. 

Without all the identifying information, we cannot be sure that we are requesting removal of the items from the credit report.  If we provide incomplete information in the request, it may not be removed from his credit report.  Again, for that reason, we suggested he dispute this directly with the appropriate credit reporting agency.  We can attempt to process the request for removal with the limited information he has provided, but we cannot guarantee the credit reporting agencies will act on it. 

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.

Again, my Attorney fell on the floor laughing at this response as well!! This company is CLEARLY stating that they do not have any identifying information on me - so HOW can they be reporting this to MY credit?!


Please note that their comedic responses are on file with my Attorney.


They placed these on my credit - they can remove them.


That simple. 


I will not play these games. The credit bureaus are reporting what THIS COMPANY placed. 


My Attorney and I await another comedic response.

Regards,

*** ****

 

Business Response:

While there may be a hint of sarcasm in Mr. ****'s reply, we do not believe our responses are comedic, nor do we find this situation funny in any way.  We absolutely agree that we have clearly stated that we do not have Mr. ****'s identifying information to the extent we are aware of his identifying information.  He has provided us with his name, his address and a telephone number.  As we said, his address and telephone number do not match the information we have in our system.  The information we have in our system is what we are reporting to the credit bureaus.  Once we report that information to the credit bureaus, it is up to the credit bureaus to place the account on the correct individual's credit report.  As we have said, this appears to be an inadvertent error on the part of the credit reporting agency.

I guess we can make another attempt to explain how credit reporting works (or doesn't, sometimes).  Information that we have on an account is reported to the credit reporting agency.  The information includes: our account number, the balance due and the debtor's name, address, social security number and date of birth.  That information is placed into a file.  We send that file to the credit reporting agencies.  The credit reporting agency then takes the information from the file and places it where it believes it belongs.  We understand that the credit reporting agency looks at the information we provide and places it on the file that matches the information we provided.  In other words, the credit reporting agency looks for matching name, address, social security number and date of birth.  If there are enough matching criteria (this is the credit reporting agencies criteria, not ours), it places our information on the information it has on the consumer.

From time to time, the credit reporting agency places the wrong information on the wrong consumer's account.  Issues arise with people who have the same name, or lived at the same residence address, or have the same date of birth, or have social security numbers that can appear the same when numbers are transposed.  The system is not mistake-free.  Because the system is not mistake-free, the system allows people to dispute items placed on their credit report.  Believe it or not, this is not the first time we have seen inadvertent errors and we do not believe this will be the last.

We have given Mr. **** two options.  He apparently does not wish to elect either option.   Mr. **** references the fact he has an attorney.  If he wishes to provide us with the name and contact information for his attorney, we will gladly place a call to his attorney and answer any and all questions that remain.

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 will make this VERY simple for you:


You said and I quote, "his address and telephone number do not match the information we have in our system"


You have the WRONG person, as you clearly admit.


Remove this from my credit.

Regards,

*** ****

 

BBB's Final Determination: After reviewing the position of all parties, BBB determined that the business made a reasonable effort to address the complaint. However the consumer remains dissatisfied.

1/10/2012 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: I have contacted the company numerous times about collection efforts and billing to me that are inaccurate. I have requested validation from this company, as my rights. State Collection Service has refused to correct this information and/or provide the proper validation. All I keep getting is a generic print out of a patient history. According to the hospital this patient was seen it, they state, in writing that the person who brought the patient in is the one who is billed. That was NOT myself, but my ex-husband. My ex-husband signed the financial documents, and is/was the insured. Even after trying to explain this, State Collection Service just sent another generic letter of the Patient. State Collection Service is reporting this in MY credit file inaccurately and causing damages to me.

Desired Settlement: I am not financially responsible for the account(s). Bill the correct person and remove it from my credit file.

Business Response:

Ms. *********** states we have not provided proper validation and that she is not responsible for an account we are collecting.  As Ms. *********** indicates in her complaint, she has received from us an itemized statement on several occasions.  Under the Fair Debt Collection Practices Act (FDCPA), an itemized statement is in fact verification of the debt.  As to Ms. ***********'s statement that she is not responsible, in Wisconsin each parent is equally responsible for the medical care provided the child.  Ms. *********** has never said the patient was not her child and we do not believe she is saying that now.  In summary, we have verified the account pursuant to the FDCPA and she is responsible for the account pursuant to Wisconsin law.

Please do not hesitate to contact us if additional information is 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.

Per the Original Creditor, the parent who brings the patient is responsible.   That is in writing from them.  Secondly, an itemized statement is NOT considered validation  per the FDCPA.   This "statement" has no real information.  It provides NO information other than a patient name and services.  The name listed is a common name and could be billed incorrectly.  Lastly, per the divorce,  each parent is liable for their own bills, hence I want validation of who this was billed to from the original creditor. 


I have taken this matter directly to the original creditor per my rights under the FDCPA and FCRA. 

Regards,

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

 

Business Response:

Ms. *********** claims that the creditor has something in writing that provides "the parent who brings the patient is responsible."  We are certainly willing to review the written document Ms. *********** is referrring to so that we can forward that to the creditor for their review.  In the meantime, we have confirmed with the creditor that Ms. *********** is responsible for the account we are collecting.  Ms. *********** states once again that we have not validated the debt based on her understanding of the FDCPA.  We have stated our position on this.  We just disagree.  Now, Ms. *********** is claiming she is not responsible because of a divorce judgment apparently.  However, the creditor is not a party to the divorce and is not bound by what the parties to the divorce agree to.  In addition, it appears she agrees the account relates to her child and, as stated, both parents are equally responsible for this account.

Please do not hesitate to contact this office if additional information is required. 

BBB's Final Determination: Business offered a resolution. Consumer did not pursue further with BBB and the matter was assumed to be resolved

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