Complaints

• Initial Complaint

  01/12/2025

  Complaint Type:

  Order Issues

  Status:

  Answered

  More info

  I'm not liable for this debt with *********************** A LIFEBRIDGE. I do not have a contract with STATE COLLECTION SERVICE attempting to report on my credit history. they have never provided me with an original contract as requested or required by law.

  

  Business response

  01/23/2025

  We are committed to directly assisting consumers with resolving complaints and inquiries amicably and we appreciate the opportunity to respond to Consumer.  By way of background medical health care provider (Creditor) had listed one account with our company for collections. 
  
  The account listed on November 9, 2023, in the amount of $654.22 for a date of medical service of July 14, 2021. On or about November 12, 2023, we delivered to Consumers attention our standard first notice, said notice advising Consumer of her right to dispute the validity of the debt within thirty-days of receiving that notice.  We did not receive a request for verification of debt within that thirty-day period, nor at any other time until we received this complaint.  On January 18, 2025, the account placement period ended, and the Creditor instructed us to return the account to them.
  
  Upon receiving this complaint on January 13, 2025, we reached out to the Creditor regarding Consumers complaint and the Creditor responded by affirming that the debt is due and owing as patient responsibility and provided us with an itemized statement showing payment by insurance prior to the account listing with our company. Please note that the Creditor maintains ownership of the account and we were merely acting as the debt collector in collection of the debt.  Since the Creditor has taken the account back,we have requested removal of the account reporting to the credit reporting agencies (CRAs).  Be advised that the Creditor is the one who holds the option to authorize our company to report accounts to the CRAs.  Thank you.

• Initial Complaint

  11/22/2024

  Complaint Type:

  Product Issues

  Status:

  Answered

  More info

  I spoke to this company in regards to a bill that I owed to a hospital in 2022. I had moved and somehow did not receive the bills. My account was sent to ********************. I contacted them on 3 different dates trying ot settle this bill. The first time I was told that the hospital had to approve the reduced amount I requested to satisfy my debt. They advised me to call back to see if it was approved. I did 3 weeks after the first call. No answer. I called back on 09/17/24 when I was advised the hospital would only accept a certain amount. I requested that I receive a letter stating the amount and that it would satisfy my debt. It is now Nov and I still have not received a letter. I would like to satisfy this debt with the original amount I told them I could provide of $400.00

  

  Business response

  12/03/2024

  We are committed to directly assisting consumers with resolving complaints and inquiries amicably and we appreciate the opportunity to respond to Consumers second complaint filing on this matter.  The first complaint filing on this matter is Better Business Bureau (BBB) complaint number ******** and we responded to that complaint on November 14, 2024.
  
  Since responding to Consumer first BBB complaint the medical provider who owns the two accounts at issue ($1,146.69 and $210.00 regarding dates of medical service of March 26, 2021, and July 29, 2021, respectively)were returned to the medical provider at their direction on November 16,2024.  If the Consumer is looking into resolving the account balances, then Consumer will need to contact the medical provider directly because our company is no longer collecting the two accounts for the medical provider.  Thank you.

• Initial Complaint

  11/07/2024

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  **** CLINIC OF PHOENIX SENT A BALANCE TO THIS COMPANY FOR COLLECTION. I ATTEMPTED TO SETTLE THIS DEBT ON 0605/24. I WAS ADVISED TO CALL BACK IN ************* SEE WHAT ************* RESPONSE WAS FOR A SETTLEMENT AMOUNT. I CALLED BACK 60 DAYS LATER AND WAS TOLD TO CALL BACK AGIAN AS MAYO HAD NOT RESPONDED. iI CALLED ON 09/17/24 AND WAS TOL DBY A REPRESENTATIVE THAT MAYO AGREED TO A SETTLEMENT AMMOUNT OF $880.00. I REQUESTED A SETTLEMENT LETTER IN THIS AMOUNT STATING THAT THAT AMOUNT WOUL DSATISFY MY DEBT. AFTER BEING PLACED OON HOLD SEVERAL TIMES SO TH EREPERESETNATIVE COULD CHECK WITH HIS MANAGER TO MAKE SUR EIT WAS OK TO SEND ME THIS LETTER, I WAS TOL DIT WAS GOING TO BE SENT TO ME AND TO ALLOW 2 WEEKS. IT HAS BEEN ALMOST 2 JMONTHS AND I HAVE NOT RECEIVED A LETTER. **** ALSO SAID THEY KNEW NOTHING ABOUT A SETTLEMENT AMOUNT AS IT HAD ALREADY BEEN SENT TO STATE COLLECTIONS AND ON THIER SIDE MY BALANCE WAS ZERO.I WANT TO SETTLE MY DEBT WITHA $400.00 PAYMENT WHICH WAS THE ORIGINAL AMOUNT I REQUESTED. THEY OBSIOUSLY WERE LYING ABOUT CONTACTING **** CLINIC THE WHOLE TIME. AND, I WANT A LETTER STATING THAT THE $400.00 PAYMENT SATIFIES MY DEBT.

  

  Business response

  11/14/2024

  We are committed to directly assisting consumers with resolving complaints and inquiries amicably and we appreciate the opportunity to respond to Consumer.  By way of background medical healthcare provider (Creditor) has listed two accounts with our company. 
  
  The accounts listed on November 22, 2023, in the amounts of $1,146.69 and $210.00 regarding dates of service of March 26, 2021, and July 29, 2021, respectively.  On or about November 25, 2023, we delivered to Consumers attention our standard first notice, said notice advising Consumer of her right to dispute the validity of the debts within thirty-days of receiving that notice. We did not receive a request for verification of debts within that thirty-day period.  Please note that the Creditor maintains ownership of the accounts and we are merely acting as collector in collection of the debts.  These accounts have not been reported to the credit reporting agencies by our company.
  
  Upon receiving this complaint, we reviewed both accounts and we spoke to Consumer on June 5, 2024, and she advised us that due to financial problems she is only able to pay $400.00 to settle the two accounts in full.  Even though the requested settlement amount is below the blanket settlement authority provided to us by the Creditor, we put in a request to the Creditor that day to see if they would accept the settlement offer.  On June 19, 2024,Consumer contacted us to check on the settlement offer, and we advised that the Creditor has not yet responded.  On July 8, 2024, the Creditor contracted us to advise us of a counteroffer of $814.00 to settle the two accounts.  Thereafter we attempted to reach Consumer at the telephone number on this complaint to no avail.  However, Consumer did call us on September 17, 2024, to which we informed the Consumer of the counteroffer extended by the medical provider to settle the two accounts.  The Consumer requested a letter to be mailed to her with the settlement amount offered of $814.00 and she will try to come up with the funds to pay the settlement.
  
  On September 22, 2024, we placed in the mail, to Consumers attention at the address on ************************************, notice for the $814.00 settlement payment.  The notice also included information regarding financial assistance offered by the medical provider that could reduce or eliminate the amount owed (see attached copy of said notice).  We received information from the United States Postal Service that the letter is returned to us as not deliverable and unable to forward.  We understand from the complaint that Consumer is now residing in *******, and we have updated both accounts with the new address information.  Thank you.

• Initial Complaint

  10/31/2024

  Complaint Type:

  Order Issues

  Status:

  Answered

  More info

  I'm not liable for the ******************. I do not have a contract with STATE COLLECTION SERVICE. They did not provide me with the original contract as I requested.

  

  Business response

  11/06/2024

  We are committed to directly assisting consumers with resolving complaints and inquiries amicably and we appreciate the opportunity to respond to Consumer.  By way of background medical health provider (Creditor) has listed two accounts with our company for collections. 
  
  The first account listed on June 20, 2023, in the amount of $175.00 with a medical date of service of July 26, 2022.  On or about June 23, 2023, we delivered based on the information provided by the Creditor, to Consumers attention our standard first notice, said notice advising Consumer of his right to dispute the validity of the debt within thirty-days after receiving said notice.  We did not receive a request for verification of debt within that thirty-day period. Nor anytime thereafter until receiving this complaint.
  
  The second account listed on July 5, 2023, in the amount of $875.00 with a medical date of service of August 6, 2022.  On or about July 8, 2023, we delivered based on the information provided by the Creditor, to Consumers attention our standard first notice, said notice advising Consumer of his right to dispute the validity of the debt within thirty-days after receiving said notice.  We did not receive a request for verification of debt within that thirty-day period. Nor anytime thereafter until receiving this complaint.
  
  Upon receiving this complaint, we reached out to the Creditor regarding Consumers complaint and the Creditor has responded by affirming that the debts are due and owing as patient responsibility.  The Creditor also provided us with the itemized statements for the medical services provided. Please note that the Creditor maintains ownership of the accounts and we are merely acting as collector in collection of the debts.  The Creditor has authorized us to report the second account to list to the credit reporting agencies (CRAs).  Currently the Creditor has not instructed us to remove said account from Consumers credit report.  As a courtesy to Consumer, we will report said account as disputed.  To reiterate Creditor is the one who authorizes our company to report accounts to the CRAs.
  
  On November 5, 2024, we placed in the mail for Consumers review, to the mailing address appearing on this complaint, a copy of the itemized statements showing payments and adjustments by insurance prior to the accounts being listed with our company for collections. Thank you.

• Initial Complaint

  10/25/2024

  Complaint Type:

  Order Issues

  Status:

  Answered

  More info

  I assert that I am not responsible for the debt associated with STATE COLLECTION SERVICE, as I have no contractual agreement with them and have not willingly undertaken any financial obligation in this matter. In an effort to resolve this transparently, I formally requested ****************** to provide the original contract associated with this debt. Unfortunately, they have yet to comply with my request for this documentation. This lack of transparency and cooperation from ****************** has added complexity to the situation, prompting me to seek further assistance and clarification to address this matter effectively.

  

  Business response

  11/01/2024

  We are committed to directly assisting consumers with resolving complaints and inquiries amicably and we appreciate the opportunity to respond to Consumer.  By way of background medical health provider (Creditor) has listed one account with our company for collections. 
  
  The account listed on July 5, 2024, in the amount of $1,519.05 with a medical date of service of July 12, 2023.  On or about July 9, 2024, we delivered based on the information provided by the Creditor, to Consumers attention our standard first notice, said notice advising Consumer of her right to dispute the validity of the debt within thirty-days after receiving said notice.  We did not receive a request for verification of debt within that thirty-day period. Nor anytime thereafter until receiving this complaint.
  
  Upon receiving this complaint, we reached out to the Creditor regarding Consumers complaint and the Creditor has responded by affirming that the debt is due and owing as patient responsibility.  The Creditor also provided us with the itemized statement for the medical service provided. Please note that the Creditor maintains ownership of the account and we are merely acting as collector in collection of the debt.  The Creditor has authorized us to report the account to the ********************** reporting agencies (CRAs) and currently the Creditor has not instructed us to remove the account from Consumers credit report.  As a courtesy to Consumer, we will report said account as disputed.  To reiterate Creditor is the one who authorizes our company to report accounts to the CRAs.
  
  On October 31, 2024, we placed in the mail for Consumers review, to the mailing address appearing on this complaint, a copy of the itemized statement showing an adjustment by insurance prior to the account being listed with our company for collections.  Thank you.
  

• Initial Complaint

  09/05/2024

  Complaint Type:

  Customer Service Issues

  Status:

  Answered

  More info

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

  

  Business response

  09/17/2024

  We are committed to directly assisting consumers with resolving complaints and inquiries amicably and we appreciate the opportunity to respond to Consumer.  By way of background medical health provider (Creditor) has one active account listed with our company for collections. 
  
  The account listed on September 13, 2023, in the amount of $530.90 for a date of service of May 15, 2022.  On or about September 16, 2023, we delivered to Consumers attention, our standard first notice, said notice advising Consumer of his right to dispute the validity of the debt within thirty-days of receiving that notice.  We did not receive a request for verification of debt within that thirty-day period.
  
  Upon receiving this complaint, we reached out to Creditor regarding Consumers complaint and Creditor has responded by affirming that the debt is due and owing as patient responsibility.  The Creditor also provided us with the itemized statement.  Please note that the Creditor maintains ownership of the account and we are merely acting as collector in collection of the debt.  As we work through this complaint, we have requested the removal of the account from the ********************** reporting agencies.
  
  On September 16, 2024, we placed in the mail a copy of the itemized statement, to the mailing address provided by Creditor, showing insurance payment and adjustment prior to the account being placed with our company.  Be advised to verify a debt under the Fair Debt Collection Practices Act a Creditor and/or their collection representative need only provide an itemized statement.  Thank you.

• Initial Complaint

  08/28/2024

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  I am not reliable for the debt this company reporting. This company is reporting false information. I have no debt with this company or no legal contract.

  

  Business response

  09/06/2024

  We are committed to directly assisting consumers with resolving complaints and inquiries amicably and we appreciate the opportunity to respond to Consumer.  As we understand the desired settlement, the Consumer desires a correction to a credit report.  However, the statement of the problem provided is extremely vague and does not include creditors name, debt balance, service date, or creditors account number.  We searched our account listings with the personally identifiable information provided in the complaint such as name,address and phone number and we are unable to locate any accounts that are reporting to Consumers credit file.  We would need more information to locate any alleged account reporting such as a copy of the credit report with account information - ************************ name, balance owed, etcetera.  Thank you.

• Initial Complaint

  08/08/2024

  Complaint Type:

  Product Issues

  Status:

  Answered

  More info

  I went to ** and lived in ******* until 7/2023. Somehow I forgot to pay my last MG&E bill. SCSI 'called me' multiple times and I thought it was a scam because whenever I answered there was no one on the other end. They also said they sent mail to the address which I obviously did not receive because I moved out. They charged me interest on the money owed and I had no knowledge of money owed. The only reason I found out that I owed money was because I contacted the company to see if the phone calls were actually legit since no one was ever on the phone. I only paid just over $1 in interest but there's no way they should have gotten anything. If I was aware of this issue I would have paid like I had paid every other bill the day they were received.

  

  Business response

  08/15/2024

  We are committed to directly assisting consumers with resolving complaints and inquiries amicably and we appreciate the opportunity to respond to Consumer.  By way of background a utility company providing electricity and gas (Creditor) listed one account with our company. 
  
  The account listed on September 14, 2023, in the original amount of $51.09.  On or about September 14, 2023,we delivered to Consumers attention to the mailing address provided by Creditor and via text to the phone number appearing on this complaint our standard first notice, said notice advising Consumer of the right to dispute the validity of the debt within thirty-days of receiving that notice.  We did not receive a request for verification of debt within that thirty-day period.  
  
  Upon receiving this complaint, we reached out to Creditor regarding Consumers complaint and Creditor has responded by affirming that the debt was due and owing.  Please note that the Creditor maintains ownership of the account and we were merely acting as collectors in the collection of the debt.  The Creditor authorized our company to charge interest on the above referenced account.  The legal authority the Creditor is relying upon to charge interest is Wisconsin Statute Section 138.04.  This account was never reported to the credit reporting agencies by our company.
  
  On August 8, 2024, a credit card payment was processed in the amount of $53.19, that paid the debt in full including principal balance and the accrued interest.  The Creditor and our company do thank Consumer for that payment.  The account was returned to Creditor as paid in full on August 9, 2024.  Thank you.

  Customer response

  08/15/2024

  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and have determined that this does not resolve my complaint.  For your reference, details of the offer I reviewed appear below.
  
  Said 'mailing address' was the address that I moved out of upon stopping service. One might think this may not be the best address to contact. In addition, I did not receive a text from SCSI on or around September of 2023, in fact I have never received a text from SCSI. Either they have the wrong number or they did not send a text. I will reiterate, the only attempt they made to contact me were phone calls in which it appeared as a spam call and then whenever I answered there was no one on the other end.
  
  Regards,
  
  *********************

  

  Business response

  08/22/2024

  As we understand Consumers reply to our response to Consumers complaint issue, Consumer reaffirms the allegation of not receiving a ******* notice from our company and only receiving phone calls with no representative available to speak to.
  
  Our company realizes that the utility debts we collect may be for an address in which a consumer no longer resides at.  Thankfully most consumers will leave a forwarding address.  That is why we use the National Change of Address (NCOA) service provided by the United States Postal Service.  We did not receive any forwarding address information from NCOA from the ******* notice we mailed on or about September 14, 2023. 
  
  Also, we did not receive any non-deliverable notification from texting said notice to phone number ************.  We did speak to Consumer at that phone number on October 18, 2023, and we identified our company name, but did not disclose the debt because the Creditor utility company requires us to verify the service address prior to disclosing the debt, and Consumer refused to verify that address.  Part of Creditors safeguards is to confirm we are communicating with the correct party by obtaining verification by name and other demographic information such as service address.  This policy is not meant to harass a consumer,instead they are to make certain that there is no improper disclosure of debt to unauthorized third parties. 
  
  Lastly, we received an email from Consumer on June 13, 2024. We did reply advising Consumer of the debt owed to Creditor and the accrued interest. Thank you.

• Initial Complaint

  07/30/2024

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  I have received multiple calls from SCSI, multiple times per day, and they never leave a message. I would like them to tell me why they are calling me, or leave me alone!Thank you.

  

  Business response

  08/09/2024

  We are committed to directly assisting consumers with resolving complaints and inquiries amicably and we appreciate the opportunity to respond to Consumer.  By way of background medical provider (Creditor) who has provided medical services had listed three accounts with our company. 
  
  The first two accounts listed on December 1, 2023, in the original amounts of $469.00 and $312.00 both with a date of service of March 8, 2023.  On or about December 4, 2023, we mailed to Consumers attention our standard first notice, said notice advising Consumer of her right to dispute the validity of the debts within thirty-days of receiving that notice.  The address we have on file matches the address on Consumers complaint. We did not receive a request for verification of debt within that thirty-day period.  
  
  The third account listed on May 17, 2024, in the amount of $125.00 for a date of service of November 20, 2023. On or about May 20, 2024, we mailed to Consumers attention our standard first notice, said notice advising Consumer of her right to dispute the validity of the debt within thirty-days of receiving that notice.  The address we have on file matches the address on Consumers complaint.  We did not receive a request for verification of debt within that thirty-day period. 
  
  Upon receiving this complaint, we reached out to Creditor regarding Consumers complaint and Creditor has responded by affirming that the debts were due and owing.  Please note that Creditor maintains ownership of the accounts and we were merely acting as collector in collection of the debts.  Hence the reason why we were trying to reach Consumer at the telephone number provided by Creditor.  We also reviewed the accounts listed with our company and the frequency of calls made to Consumers attention. The volume of calls does not constitute excessive frequency as they are not made in a repeated and continuous manner such as calling multiple times a day, nor were calls made at odd hours.  On August 1, 2024, the three accounts were returned to Creditor at their request. Lastly, a cease-and-desist request cannot be made in advance for accounts that have yet to be listed. Thank you.

• Initial Complaint

  07/21/2024

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  Fast forward to just recently when I viewed my credit reports and realized that ************** had sent this debt go $4749.43 to State Collections Service, *** and reported it to the 3 major bureaus. The notification was sent to me on 01/12/2023 and I didn't receive any notifications after that. Needless to say that I was very upset over this, as I have been turned down for credit or have been subjected to ridiculous interest rates due to the damage this reporting has done to my credit scores. This collection is erroneous and has caused severe damage to my credit report. I am demanding that it is removed immediately.

  

  Business response

  07/31/2024

  We are committed to directly assisting consumers with resolving complaints and inquiries amicably and we appreciate the opportunity to respond to Consumer.  By way of background medical health provider (Creditor) who provided medical services to Consumer had listed one account with our company. 
  
  The account listed on January 7, 2023, in the amount of $4,749.43 for a date of service of September 3, 2021. On or about January 12, 2023, we mailed to Consumers attention our standard first notice, said notice advising Consumer of his right to dispute the validity of the debt within thirty-days of receiving that notice.  The address we have on file matches the address on Consumers complaint.  We did not receive a request for verification of debt within that thirty-day period.  
  
  Upon receiving this complaint, we reached out to Creditor regarding Consumers complaint and Creditor has responded by affirming that the debt is due and owing as patient responsibility.  The Creditor also provided us with an itemized statement for the above referenced service date.  Please note that the Creditor maintains ownership of the account and we were merely acting as collectors in the collection of the debt.  As we work through this complaint, we have requested removal of the account reporting to the credit reporting agencies (CRAs).  Be advised that the Creditor is the one who holds the option to authorize our company to report accounts to the CRAs.  Furthermore, the allegation of improper use of Consumers credit report by reporting an erroneous debt is unfounded.
  
  Lastly, the Creditor, for verification of debt purposes,provided us with the itemized statement showing adjustments and payments by Consumers insurer prior to the account being placed with our company for collections.  Thank you.

*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. ↩