Complaints

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

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  Mountain Land Collection Agency

  852 E 1050 S American Fork, UT 84003-3798

  
• 

  Mountain Land Collection Agency

  PO Box 1280 American Fork, UT 84003-6280

  

The complaint text that is displayed might not represent all complaints filed with BBB. Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business.

• Initial Complaint

  Date:06/24/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I'm not liable for this debt with medical. I do not have a contract with MTN LAND COL. They did not provide me with the original contract as I requested.

  Business Response

  Date: 06/25/2025

  This consumer's complaint appears to be a form-complaint taken from the internet where generic language about not having a contract with Mountain Land Collections (“MLC”) and not being provided a copy of an original contact as requested is utilized.   First, the existence or non-existence of a contract with Mountain Land Collections is irrelevant.   MLC is a third-party debt collector (not a debt buyer) who has been engaged by the original creditor (Gold Cross Services) to collect on an alleged past due balance arising from medical goods and/or services that were provided on December 23, 2021.  Secondly, at no time has the consumer ever engaged with MLC.  Despite our multiple attempts to contact her, we have yet to establish contact.   Money is owed to the original creditor by this consumer and MLC will continue to attempt to collect it.   We'd very much like to help resolve the outstanding balance and invite her to contact us.  We can be reached at 801-642-0861. 

  Customer Answer

  Date: 06/25/2025

  
  
  Complaint: 23515176
  
  
  
  I am rejecting this response because I am still waiting on proof of original contract. 
  
  
  
  Sincerely,
  
  
  
  ***** *******

  Business Response

  Date: 06/30/2025

  We regret that the consumer continues to dig-in her heels on a moot point.   We will continue to pursue what we (and the original creditor, Gold Cross Ambulance Services ) believe to be a valid and outstanding amount arising from medical goods and/or services rendered on December 23, 2021.   We encourage Ms. ***** to reach out to us.  We'd love to help.  Our number is ***** *********

• Initial Complaint

  Date:06/23/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I verified through the NMLS Consumer Access system that this company is not currently licensed to collect debt in the State of Utah. Under Utah law, any company engaged in debt collection must be properly licensed and bonded. Their failure to obtain the appropriate licensing means they are operating illegally and engaging in unauthorized debt collection practices.
  
  Despite this, they have contacted me to collect an alleged debt, and in doing so, they may have violated both state law and the Fair Debt Collection Practices Act (FDCPA). Attempting to collect a debt in a state where they are not licensed is deceptive, unlawful, and harmful to consumers.
  
  I respectfully request that the Better Business Bureau investigate this issue and take appropriate action against this agency for unlicensed and potentially fraudulent activity.

  Business Response

  Date: 06/24/2025

  Mr. ****** is misinformed.   In Utah, collection agencies are no longer required to obtain a state-issued license. This change came into effect on May 3, 2023, with the passage of Utah House Bill 20. Previously, collection agencies had to register with the Utah Department of Commerce, Division of Corporations and Commercial Code and obtain a surety bond--which MLC always did.  However, these requirements have been repealed.    We'd love to speak with Mr. ****** and encourage him to contact us.  We can be reached at ***** *********
  

• Initial Complaint

  Date:06/21/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I am not liable for this debt with charter mountain land collections. I do not have a contract with Mountain Land Collection, LP, they did not provide me with the original contract as i requested.

  Business Response

  Date: 06/23/2025

  This consumer's complaint appears to be a form-complaint taken from the internet where the same language about having not having a contract with Mountain Land Collections and not being provided a copy of an original contact as requested is utilized.   First, the existence of non-existence of a contract with Mountain Land Collections is irrelevant.   Mountain Land Collections is a third-party debt collector (not a debt buyer) who has been engaged by the original creditor (Utah Emergency Physicians) to collect on an alleged past due balance arising from emergency room provided goods and/or services that were provided too Ms. ***** ******* on September 14, 2022.  The existence or non-existence of a contract with Mountain Land Collections is irrelevant.   Secondly, at no time has Ms. ******* ever requested a copy of an original contract.   According to our records, we have had several different telephone conversations with Ms. ******* during which she did not deny having received the good and services; but in which she maintained that the hospital itself had extended some sort of charitable write-off or deduction to her balance.   During these conversations it was communicated to Ms. ******* that the bill being collected on by Mountain Land Collections is NOT the facility bill (which apparently had provided some sort of charitable write-off or deduction); but is instead the physician portion of her bill that (a) bills separately from the hospital/facility and (b) does not offer charitable write-offs.   During some of our discussions with Ms. *******, we explored available discounts and payment arrangements; but no resolution was ever reached.    We'd very much like to help Ms. ******* resolve the outstanding balance and invite her to contact us.  We can be reached at *************  

  Customer Answer

  Date: 06/30/2025

  
  
  Complaint: 23501824
  
  
  
  I am rejecting this response because:  At this time, I would like to further explore and request the documentation that would have been presented to me which outlined the relationship between the original creditor (Utah Emergency Physicians) and the third-party debt collector (Mountain Land Collections.) Given my recollection and currently possessed documentation, I was at no point, during or after my visit, informed of this relationship.
  
  It was only during my last communication with Utah Emergency Physicians (of which I reached out to them) that I was told that I “no longer have a relationship” with Utah Emergency Physicians and that “all accounts are closed” and any further action on these bills is to be solely conducted through Mountain Land Collections. Furthermore, I did not authorize my involvement in this relationship as an individual. I would like to know under what grounds my financial responsibility was transferred and at which point I consented to enter a monetary relationship with Mountain Land Collections.
  
  In regards to “not denying having received the good and services,” I would like to emphasize that neither did I accept the terms under which these goods and services were to be administered.
  I am currently in the process of receiving itemized accounts of said services from the original creditor. These accounts are to include the designated codes and corresponding explanations of what constituted their administration.
  
  I intend to review these itemized statements, along with the previously mentioned contractual agreement between myself and Mountain Land Collections, to inform my decisions regarding this matter.
  
  
  
  Sincerely,
  
  
  
  ***** *******

  Business Response

  Date: 07/01/2025

  Ms. *******'s complaint is a form complaint that does not apply to the current situation.  At no time has Ms. ******* ever requested a copy of a contract with Mountain Land Collections.  Moreover, the existence or non-existence of a contract with Mountain Land Collections is irrelevant.  Mountain Land Collections is  a third-party debt collection company that has been engaged by Utah Emergency Physicians to collect on an outstanding bill arising from emergency room services rendered on September 14, 2022.  Mountain Land Collections did not purchase the debt.  Instead, we are acting on behalf of our client, Utah Emergency Physicians from whom Ms. ******* received services.    We have had prior conversations with Ms. ******* (for which we are grateful) in which she maintained that the hospital/facility extended some form of charitable write off or deduction to their bill.  We have, however, attempted to explain to Ms. ******* that the hospital/facility bill is separate from the physicians bill and that any charitable deductions extended by the hospital/facility to do not extend to the physician.   AS we have explained to her, we are attempting to collect on the physician portion of the bill only.  At one point Ms. ******* indicated that she could only afford to pay $20/month toward the physician bill, yet she has made no payments at all toward the bill.  MLC and the original creditor consider the account as outstanding and unpaid and will continue to attempt to collect on it.    In that regard, we'd love to work with Ms. ******* to help her resolve the outstanding balance and encourage her to contact us at *************

  Customer Answer

  Date: 07/06/2025

  
  
  Complaint: 23501824
  
  
  
  I am rejecting this response because: I am specifically asking to have the document that I signed (If I did so) on the day I received the services from emergency physicians that confirms my agreement to the relationship between MLC and emergency physicians. Consider this to be my asking for said contract. I would like it explained to me why this is “irrelevant.” You are being repetitive without providing further explanation to my inquiries. After Emergency physicians notified me that they are no longer able to accept any type of payments from me, and speaking with MLC on a previous occasion, I proposed to pay $20 a month but that offer got rejected by MLC. Since then, I’ve refused to talk to or have any business with this thirty party organization. 
  
  
  
  Sincerely,
  
  
  
  ***** *******

• Initial Complaint

  Date:06/20/2025

  Type:Order Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I do not have a contract with Mountain Land Collections attempting to collect on this debt and reporting to my credit report. They did not provide me with the original contract as requested.

  Business Response

  Date: 06/23/2025

  This consumer's complaint appears to be a form-complaint taken from the internet.   Nevertheless, we did look into this mater.   The substance of Mr. ******* complaint is "I do not have a contract with Mountain Land Collections and reporting to my credit.  They did not provide me with the original contact as request."    The subject account was placed for collection on February 1, 2023 and was properly validated on February 2, 2023.   Despite MLC's attempts to contact him, Mr. ******* did not respond to MLC until nearly 2 years later, on February 12, 2025--long after the legally required verification period had expired.   Additionally, the existence or non-existence of an "contract" with Mountain Land Collections is completely irrelevant.  We are not a debt buyer.   We are a third-party debt collector specifically engaged and authorized by the original creditor, EPIC Emergency Physicians Integrated Care to collect on an unpaid balance arising from emergency room based medical goods and/or services provided to Mr. ******* on August 8, 2022 at Davis Hospital Medical Center.   As a courtesy, we will voluntarily send Mr. ******* a copy of the information provided to us by EPIC.  We will mail it to the address provided as part of his BBB Complaint.    If he would like to discuss this matter, we invite him to contact us at (**** ********.  We'd love to help.

• Initial Complaint

  Date:06/12/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Debt collector charging $13 in interest in 3 days. Won’t negotiate beyond $7. Robbing people.

  Business Response

  Date: 06/17/2025

  Hello,

   

  We are unclear what the complaint issue is in this message, can you please clarify?  We show a paid in full account for Ms. ****** that did not affect her credit in any way.  Please let me know how we can best be of help.

   

  Thanks!

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

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

• Initial Complaint

  Date:03/11/2025

  Type:Order Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I’m not liable for this debt with mountain land collections. I do not have a contract with Mountain Land Collections, they did not provide me with the original contract as I requested.

  Business Response

  Date: 03/11/2025

  This consumer's complaint appears to be a
  generic/form-complaint.   Nevertheless, we did look into this mater.  
  The substance of the consumer's complaint is that "They did not provide me with the original contract as
  requested."  However, our records confirm that
  despite our multiple attempts to contact the consumer, we have not had any
  contact with or communication from the consumer.  There simply has been no contact
  during which the consumer requested an "original contract."   Additionally,
  the existence or non-existence of an "original contract" with
  Mountain Land Collections, LLC is completely irrelevant.  We are not a
  debt buyer.   MLC maintains an ongoing relationship with the original
  creditor who has authorized MLC to collect the alleged outstanding balance.  
  We would welcome the opportunity to speak with Mr. ******* and invited him to contact us at  (801) 492-1596.

• Initial Complaint

  Date:03/06/2025

  Type:Order Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I am not liable for this debt with Mountain Land Collections. I do not have a contract with Mountain Land Collections, they did nor provide me with the original contract as I requested.

  Business Response

  Date: 03/10/2025

  This consumer's complaint appears to be a form-complaint taken from the internet.   Nevertheless, we did look into this mater.   The substance of Mr. ******* complaint is that "They did not provide me with the original contract as requested."  However, our records confirm that despite our multiple attempts to contact the consumer, we have not had any contact with or communication from the consumer since June 2022.  Even during our single contact with Mr. ***** in June 2022, he did not request any documents from us at all.   There simply has been no contact during which the consumer requested an "original contract."   Additionally, the existence or non-existence of an "original contract" with Mountain Land Collections, LLC is completely irrelevant.  We are not a debt buyer.   We are a third-party debt collector specifically engaged and authorized by Revere Health Care to collect on an unpaid balance arising from medical goods and/or services provided to the Mr. Costa.  We certainly invite Mr. ***** to contact us.  We can be reached at (801) 492-1596.

• Initial Complaint

  Date:03/05/2025

  Type:Order Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I am not liable for this debt with mountain land collections. I do not have a contract with mountain land collections. They did not provide me with the original contract as I requested.

  Business Response

  Date: 03/10/2025

  This consumer's complaint appears to be a form-complaint taken from the internet.   Nevertheless, we did look into this mater.   The substance of Mr. ******* complaint is that "They did not provide me with the original contract as requested."  However, our records confirm that despite our multiple attempts to contact the consumer, we have not had any contact with or communication from the consumer in over 4 years.   And even at that,  there simply has been no contact during which the consumer requested an "original contract."   Additionally, the existence or non-existence of an "original contract" with Mountain Land Collections, LLC is completely irrelevant.  We are not a debt buyer.   We are a third-party debt collector specifically engaged and authorized by EPIC Emergency Physicians Integrated Care  to collect an unpaid balance arising from medical goods and/or services rendered.   We certainly invite Mr. ***** to contact us.  We'd love to help her resolve the underlying account.   We can be reached at (801) 492-1596.

• Initial Complaint

  Date:02/13/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Mountainland Collection Agency regarding their continued efforts to collect fees related to a debt that has already been fully resolved.
  
  I reached an agreement with Alpine Pediatrics to resolve the outstanding debt under clearly defined terms. I have retained all pertinent documentation, including the settlement agreement and confirmation of debt resolution, which clearly state that no further fees or charges were to be collected.
  
  Despite this Mountainland Collection Agency has repeatedly contacted me regarding additional fees that are not only unwarranted but are also in rude, unprofessional, and has threatened legal action to both my wife and I. These repeated and unsolicited communications have caused significant distress and confusion, and they undermine the validity of the original settlement.
  
  I respectfully request that the Better Business Bureau investigate this matter and take appropriate actions to ensure that MCA ceases their collection activities related to this resolved debt.
  
  I appreciate your prompt attention to this matter. Please contact me if you require any further information or additional documentation.

  Business Response

  Date: 02/19/2025

  We are sure sorry Mr. ******* feels as he does; but must also respectfully disagree with his assessment of things.   Mountain Land Collections (MLC) is a third-party debt collector that does NOT purchase the debt it services; but instead helps the original creditor(s) recover what they are owed.   The significance of that is that upon receipt of Mr. *******'s BBB complaint, we reached out to the original creditor who confirmed to us that the amounts MLC is trying to collect remain owed and have not been settled or otherwise comprised by the original creditor.  Certainly if Mr. ******* is willing to share the written agreement to which his complaint refers, MLC would be more than happy to look at it and equally happy to share it with the original creditor.   With regard to Mr. *******'s belief that we are constantly contacting him, our records show only three conversations with Mr. ******* on October 31, 2024, November 7, 2024 and February 13, 2024.   That level of contact is very reasonable and complies in all respect with applicable laws.    Finally, we invite Mr. ******* to review the contact signed with the original creditor on June 25, 2024.   In relevant portion it reads:  I understand and agree that should my account become delinquent, and it is referred to an outside collection agency, I shall pay [a collection fee].   I further agree to pay all other costs of collection and/or enforcement including but not limited to court costs, reasonable attorney fees, and interest . . . . Any interest due hereunder shall be calculated at 18% per annum and may compound as frequently as daily."    MLC is not attempting to collect any amount that is not authorized by the terms of the specific agreement with the original creditor.  As Mr. ******* is aware, he paid the original amounts owed only, and no interest.   Finally, though we disagree with Mr. *******'s assessment of our agent, we have nevertheless meet with the agent with whom he spoke to remind and train her on company expected levels of customer service and how to better explain issues of "remaining amounts owed" such as interest.   If Mr. ******* would prefer to speak with one of our executive level managers, we certainly invite him to contact us at ###-###-####. 

  Customer Answer

  Date: 02/19/2025

  
  
  Complaint: ********
  
  
  
  I am rejecting this response because:

  Firstly, when we reached out to the original creditor they assured us that the debt had been paid through the original creditor. When I spoke to their accounting and billing they were able to log into whatever portal they use to access MLC’s open debts and she was able to tell us that nothing was open and all debts had been paid off.
  Secondly, when speaking with the original agent I asked her for a letter of validation. Instead of accepting and issuing the request letter she pushed back and said that letter had been issued in October. I don’t believe we ever saw that letter and if we had we should still be able to get another letter issued regardless of the status of the “issued” letter from October. As of 2/19 I still haven’t received a letter of validation.

  
  Thirdly I can’t stress how unprofessional and confrontational the agent from MLC was when speaking to me on the 13 and also my wife earlier in the day. Accusing her of not saving a phone number or upgrading her phone in that time. 
  
  
  
  Sincerely,
  
  
  
  ******* *******

• Initial Complaint

  Date:01/23/2025

  Type:Order Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Im not liable for this debt with Mountain land collections, I do not have a contract with Mountain land collections, they did not provide me with the original contract I requested.

  Business Response

  Date: 01/24/2025

  This consumer's complaint appears to be a form-complaint taken from the internet.  It is MLC's understanding that the BBB was screening out such form complaints.  Nevertheless, we did look into this mater.   The substance of Mr. ******** complaint is that he is not "liable for this debt" because he "do[es not have a contract with Mountain land collections [sic.]."  However, the existence or non-existence of a contract with Mountain Land Collections is irrelevant.  We are a third-party debt collector that has been engaged by two different original creditors to collect on  unpaid balances alleged to be owed to each of each of them.   Additionally, our records confirm that despite our many attempts to contact Mr. ******* we have had zero contact with him.   As such, his statement that he has requested a contract (let alone anything else) from *** is simply not true.  Finally, since more than one original creditor has assigned accounts to us for *********************** it is not clear to which specific "debt" Mr. ****** refers.  We would welcome contact and dialogue with Mr. ****** and certainly invite him to contact us.  We can be reached at **************.