Complaints

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:02/12/2025

  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.

  Elbert Flowers]***** ** ******* **?Kansas City,MO 64118?*********************************** 2/12/25 The Endoscopy Center?Central State Recovery INC,?**** * **** ***Hutchinson KS, 67501 Subject: Request for Debt Validation Dear Central State Recover I am writing to request validation of the debt you are attempting to collect from me. Please provide the following information as required by the Fair Debt Collection Practices Act (FDCPA): 1. The amount of the debt. 2. The name of the original creditor. 3. A copy of the original agreement or contract that shows I owe this debt. 4. Any judgment details, if applicable. 5. Proof that your agency has the LEGAL RIGHT to collect this debt. (Example of bill of sale and debt assignment agreement in this letter at bottom of page) 6. DEBT ASSIGNMENT AND AGREEMENT 7. BILL OF SALE I request that you cease collection activities until this information is provided to me. I understand that under the FDCPA, you must validate the debt before any further action can be taken. Please send the requested information within 30 days of receiving this letter. If you do not provide verification, I will assume this debt is invalid and will take appropriate action as necessary. Thank you for your prompt attention to this matter. I look forward to your response. Sincerely,?****** ******* DEBT ASSIGNMENT AGREEMENT This Debt Assignment Agreement (the "Agreement") is made and entered into on [Date], by and between: Assignor: [Creditor’s Name], located at [Creditor’s Address]?Assignee: [Debt Collector's Name or Agency], located at [Debt Collector’s Address] WHEREAS, Assignor is the rightful holder of the debt described below, and wishes to assign its rights to Assignee for collection: BILL OF SALE This Bill of Sale (the "Bill") is made and entered into as of [Date], by and between: Seller: [Creditor’s Name], located at [Creditor’s Address]?Buyer: [Debt Buyer’s Name], located at [Debt Buyer’s Address]

  Business Response

  Date: 02/13/2025

  The message you sent through the Better Business Bureau (BBB) does not meet the legal requirements for a "written" request under the Fair Debt Collection Practices Act (FDCPA).
  
  As per the FDCPA, a valid written request for debt validation must come directly from Central States Recovery (CSR) and not from a third party, such as the BBB.
  
  The debt in question stems from services received nearly two years ago, and multiple attempts have been made to contact you through phone calls and written correspondence.
  
  If you seek further assistance regarding this issue, contact our office directly at *************

  Customer Answer

  Date: 02/13/2025

  I am writing to request validation of the debt you are attempting to collect from me. Please provide the following information as required by the Fair Debt Collection Practices Act (FDCPA):
  The amount of the debt.
  The name of the original creditor.
  A copy of the original agreement or contract that shows I owe this debt.
  Any judgment details, if applicable.
  Proof that your agency has the LEGAL RIGHT to collect this debt. (Example of bill of sale and debt assignment agreement in this letter at bottom of page)
  DEBT ASSIGNMENT AND AGREEMENT
  BILL OF SALE
  

   

  Debt Description:
  Debtor's Name: [Debtor’s Name]
  Amount of Debt: $[Amount]
  Original Creditor: [Original Creditor's Name]
  Account Number: [Account Number or Identifier]
  Transfer of Rights:
  Assignor hereby assigns and transfers all rights, title, and interest in the debt described above to Assignee.
  Terms of Payment:
  Assignee agrees to pay Assignor the amount of $[Amount Paid for Debt] upon execution of this Agreement.
  Representations and Warranties:
  Assignor warrants that the debt is valid, the debtor has not filed for bankruptcy, and the debt is free from any pending legal disputes.
  Miscellaneous:
  This Agreement is binding upon the parties and their respective successors.
  IN WITNESS WHEREOF, the parties have executed this Debt Assignment Agreement as of the date first written above.
  Assignor:
  [Signature]
  [Printed Name]
  [Title, if applicable]
  Assignee:
  [Signature]
  [Printed Name]
  [Title, if applicable]
  
  
  
  
  BILL OF SALE
  This Bill of Sale (the "Bill") is made and entered into as of [Date], by and between:
  Seller: [Creditor’s Name], located at [Creditor’s Address]
  Buyer: [Debt Buyer’s Name], located at [Debt Buyer’s Address]
  WHEREAS, Seller desires to sell and transfer to Buyer, and Buyer desires to purchase from Seller, the debt described below:
  
  
  Debt Description:
  Debtor’s Name: [Debtor’s Name]
  Amount of Debt: $[Amount Owed]
  Account Number: [Account Number]
  Original Creditor: [Original Creditor’s Name]
  Sale of Debt:
  Seller hereby sells, assigns, and transfers all right, title, and interest in the debt described above to Buyer.
  Purchase Price:
  Buyer agrees to pay Seller the sum of $[Sale Price] for the debt described above.
  Warranties:
  Seller warrants that the debt is valid and free from any disputes or claims.
  Transfer of Ownership:
  Upon execution of this Bill of Sale, the Buyer shall be the sole owner of the debt and entitled to collect on it.
  IN WITNESS WHEREOF, the parties have executed this Bill of Sale as of the date first written above.
  Seller:
  [Signature]
  [Printed Name]
  [Title, if applicable]
  Buyer:
  [Signature]
  [Printed Name]
  [Title, if applicable]

   

  Business Response

  Date: 02/18/2025

  The message you sent through the Better Business Bureau (BBB) does not meet the legal requirements for a "written" request under the Fair Debt Collection Practices Act (FDCPA).
  As per the FDCPA, a valid written request for debt validation must come directly from Central States Recovery (CSR) and not from a third party, such as the BBB.
  The debt in question stems from services received nearly two years ago, and multiple attempts have been made to contact you through phone calls and written correspondence.
  If you seek further assistance regarding this issue, contact our office directly at *************

• Initial Complaint

  Date:01/03/2025

  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 ********** ******** ******* *****r $10,311. & $1,342. or radiology professionals of Hutchinson $2,216.. I do not have a contract with Central States recovery acquisition LLC. They did not provide me with the original contract as requested. I demand that these accounts be removed from my credit report!

  Business Response

  Date: 01/10/2025

  *** ******** *****
  We value the feedback and concerns of our customers and strive to provide clarity and assistance in every situation. Thank you for taking the time to express your concerns in writing.

  
  Central States Recovery (CSR) does not engage in the purchase of debt or personal information. Instead, we act as an intermediary between our clients and individuals with outstanding debts. Our contractual relationships are established directly with our clients, granting us the authority to manage billing and collection processes on their behalf. It is important to note that CSR is not legally required to have a direct contract with you, the debtor, to represent our client.

  
  As a third-party debt collection agency, our primary focus is on our relationship with our clients rather than individual debtors. Our actions are guided by the agreements we have with our clients, and as such, there is no legal obligation for us to provide you with a copy of our business contract.

  
  Your concerns regarding the debt in question are unclear, given that you have had 11 accounts with CSR since 2020, totaling $15,750.01. Over the years, CSR has made numerous attempts to contact you via phone calls and letters. Additionally, ********** ********* which provided critical services that improved the quality of your life, has sent you multiple statements. Despite these efforts, you have neither responded nor made any attempt to address or resolve your debts. Instead, you appear to be relying on Googled, inaccurate, and unsubstantiated information as an attempt to avoid your responsibility for services you received.
  The services rendered were provided by members of your own community who, like yourself, work honest jobs to support their families. It is important to approach this matter with mutual respect and understanding. Healthcare services, like all other services, come with costs and corresponding obligations to pay for those services.

  
  We recognize that you may have a different perspective, but we are here to help you resolve this matter and address any valid concerns you may have. If you truly wish to resolve this issue, we encourage you to visit our office, located just a few miles from you, or contact us at ************* Our team is ready to assist you through this process.

  
  Sincerely

• Initial Complaint

  Date:08/20/2024

  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.

  ********* ***** borrowed (unknown amount) from ******** ******* ****** *****, Tulsa OK. This is NOT my bill. My name/signature isn't on contract. I made payments not knowing this was not my bill. l am being sued for remainder of bill. As of June 7 2024 amt. owed was $7284.97 6.99 percent interest monthly is being added to bill. Attorney info: ********* ******, ****** *** ** ****** ***. Tulsa OK 74103. My address is **** **** Altus OK 73521 I just want this settled. Not sure of amount paid. Thank You

  Business Response

  Date: 08/21/2024

  Dear *** ******

  Thank you for reaching out regarding this debt. We are currently unable to locate any debts listed under ********* *****, and we have not ever represented ******** ******* ****** ***** as a client. Additionally, ********* ******* ***** is not a law firm with which we partner.

  It seems there may have been a mix-up with your BBB complaint. If you still believe there is an error on our part, please contact our home office at ************ with more detailed information.

  Best regards,

• Initial Complaint

  Date:08/10/2024

  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 ****** *************. I do not have a contract with Kansas recovery. They did not provide me with the original contract as I requested.

  Customer Answer

  Date: 08/12/2024

  I paid the original Creditor a couple years back. 

  Business Response

  Date: 08/13/2024

  Central States Recovery does not engage in the purchase of debt or personal information. Instead, we operate as an intermediary between our clients and individuals with outstanding debts. Our contractual relationships are established through agreements with our clients, granting us the authority to manage the billing and collection process on their behalf. It's crucial to note that CSR is not legally obligated to have a direct contract with you, the debtor, to represent our client. 
  
  Our primary focus as a third-party debt collection agency revolves around our relationship with our clients rather than with individual debtors. We are legally authorized to handle the billing and collection processes on behalf of ****** ****************, and our actions are based on the agreements we have with them. As such, you do not possess a legal right to request a copy of that business contract.
   
  It's understandable that disputes over financial obligations can be distressing. The services rendered were provided by individuals who, much like yourself, are working to support themselves and their families. It’s important to approach this matter with mutual respect and understanding. Healthcare services, like all other services, involve costs and, consequently, obligations to settle any amounts due.
   
  As of now, there is no documented record from your end contesting this debt. Your account has been marked as dormant in our system, and we have promptly notified the National Credit Agencies about the dispute. Like your previous interactions with CSR, once a bill is settled or disputed, we promptly inform the National Credit Reporting Agencies. However, the handling and timing of updates on your credit report are determined solely by the National Credit Reporting Agencies themselves, over which CSR has no direct control.
  
  For further assistance, please feel free to contact our offices at ************, where our team will be more than happy to assist you.

• Initial Complaint

  Date:05/18/2024

  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 ****** ******** Health Care. I do not have a contract with Central States Recovery Inc. They did not provide me with the original contract as I requested.

  Business Response

  Date: 05/21/2024

  Complaint ID: ********
  Date Filed: 05/18/2024
  Name: ******* ******
  It's understandable that disputes over financial obligations can be distressing. The services rendered were provided by individuals who, much like yourself, are working to support themselves and their families. It’s important to approach this matter with mutual respect and understanding. Healthcare services, like all other services, involve costs and, consequently, regardless of what social media tells you, it is not free.

  It’s important to clarify a fundamental aspect of your situation: CSR is not required by law to have a direct contract with you in order to represent our clients.  As a third-party debt collection agency, our role centers on client relationships rather than with individual debtors. CSR is legally designated to manage the billing and collection processes on behalf of clients and actions taken are grounded in the legal contracts and agreements between CSR and Clients.

  Rest assured once your outstanding balances are resolved, the relevant credit agencies will update your credit report accordingly. It’s crucial to understand CSR’s agreement with the National Credit Reporting Agencies precludes any modifying of valid debts based on your dissatisfaction alone.

  Understandably you may continue to see things differently, but CSR is here to assist you in resolving this matter and addressing any valid concerns you may have. It’s our hope that a mutually satisfactory resolution can be reached, and we are here to support you through this process.

  Business Response

  Date: 05/22/2024

  There are 24 accounts for you in the system.  Please provide the account in reference and CSR will connect with that client to retrieve the necessary Itemized Statement for services rendered.  Please note ****** Regional practices in communities all over Kansas, not just the city of ******.  A physician who provided you service may have been contracted with ****** and hence the ****** bill.  Please send more identifying information or call CSR at ************ and we will be more than happy to assist resolve this matter.

  Customer Answer

  Date: 05/22/2024

  
  Complaint: ********
  I am rejecting this response because: I will proceed to dispute this from a different angle it is not my job to prove you are collecting the debt from the right person it is yours! 
  
  Sincerely,
  
  ******* ******

• Initial Complaint

  Date:04/16/2024

  Type:Billing Issues
  Status:

  ResolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

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

  Answered:

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

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I am not liable for this debt with ****** ****** ******** *******I do not have a contract with CENTRAL STATES RECOVERY INC, they did not provide me with the original contract as I requested

  Business Response

  Date: 04/19/2024

  Complaint ID: ******** **** ****** ********** ***** **** ****** ******** ******** ** ***** ******* ****** ************ *********************** 
  
  In response to your fundamental misunderstanding. It's understandable that disputes over financial obligations can be distressing. The services rendered were provided by individuals who, much like yourself, are working to support themselves and their families. It’s important to approach this matter with mutual respect and understanding. Healthcare services, like all other services, involve costs and, consequently, regardless of what social media tells you, it is not free.

  It’s important to clarify a fundamental aspect of your situation: CSR is not required by law to have a direct contract with you in order to represent our clients.  As a third-party debt collection agency, our role centers on client relationships rather than with individual debtors. CSR is legally designated to manage the billing and collection processes on behalf of clients and actions taken are grounded in the legal contracts and agreements between CSR and Clients.

  Rest assured once your outstanding balances are resolved, the relevant credit agencies will update your credit report accordingly. It’s crucial to understand CSR’s agreement with the National Credit Reporting Agencies precludes any modifying of valid debts based on your dissatisfaction alone. Our client has given you 6 years to settle this debt. 
  

  Understandably you may continue to see things differently, but CSR is here to assist you in resolving this matter and addressing any valid concerns you may have. It’s our hope that a mutually satisfactory resolution can be reached, and we are here to support you through this process.

  Customer Answer

  Date: 04/21/2024

   
  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********* and find that this resolution is not satisfactory to me.
  
  Sincerely,
  
  **** ******

• Initial Complaint

  Date:10/02/2023

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

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

  Answered:

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

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I'm not liable for this debt with ******* ******** ***********. I do not have a contact with Central States Recovery, they did not provide me with the original contract as I requested.

  Customer Answer

  Date: 10/04/2023

  I ********** ***** sent this complaint, there is no nor third party involved and I would want this matter to resolve as quickly as possible. 

  Business Response

  Date: 10/13/2023

  We value the feedback and concerns of our customers, and we aim to provide clarity and assistance in every situation. Thank you for taking the time to share your complaint with us through the BBB. We understand your concerns about the debt in question, specifically regarding the absence of a personally signed contract with CSR. We would like to provide clarification regarding our role and practices. 

  Central States Recovery does not engage in the purchase of debt or personal information. Instead, we function as an intermediary between our clients and individuals with outstanding debts. Our contractual relationship is based on agreements with our clients, which authorize us to manage the billing and collection process on their behalf.  It’s important to clarify a fundamental aspect of this situation: CSR is not required by law to have a direct contract with you, the debtor, to represent our client.  Our role as a third-party debt collection agency, centers on our relationship with our clients rather than with individual debtors. We are legally designated to manage the billing and collection processes on behalf of ******* ******** *********** and our actions are grounded in the agreements we have with them.

  It's understandable that disputes over financial obligations can be distressing. The services rendered were provided by individuals who, much like yourself, are working to support themselves and their families. It’s important to approach this matter with mutual respect and understanding. Healthcare services, like all other services, involve costs and, consequently, obligations to settle any amounts due.

  We understand that you may continue to see things differently, but we are here to assist you in resolving this matter and addressing any valid concerns you may have. It’s our hope that a mutually satisfactory resolution can be reached, and we are here to support you through this process.

• Initial Complaint

  Date:10/02/2023

  Type:Service or Repair 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 ********* ********* I Do Not Have A Contract With The Collection Agency They Did Not Provide Me With The Original Contract As Requested

  Business Response

  Date: 10/03/2023

  We have previously submitted a reply to the debtor complaint via "Business Consumer Alliance" on September 18, 2023.  Since that time, our position has not and will not change.

  We value the feedback and concerns of our debtors, and we aim to provide clarity and assistance in every situation. Thank you for taking the time to share your complaint with us through the BBB.
  We understand your concerns about the debt in question, specifically regarding the absence of a personally signed contract with CSR and the seemingly lack of permission given to the original (our client) for the sale of your information. We would like to provide clarification regarding our role and practices.

  Central States Recovery does not engage in the purchase of debt or personal information. Instead, we function as an intermediary between our clients and individuals with outstanding debts. Our contractual relationship is based on agreements with our clients, which under Federal and State Law legally authorizes CSR to manage the billing and collection process on their behalf. This arrangement does not involve the purchase or sale of your information; rather, it pertains to the representation of the debt owed to our clients.

  In addition, we understand your concerns about credit reporting. However, it's important to note that our agreements with the National Credit Bureaus prevent us from altering the reporting of valid debts. This means that if it is determined that the debt in question is accurate and legitimate, CSR is unable to remove negative reporting from your credit bureau report, based on customer dissatisfaction, as we are bound by contractual obligations with these National Reporting Agencies. If the debt is proven to be inaccurate, we will take all necessary steps to correct any reporting errors on our part. Please be assured that it's our utmost priority to ensure credit reports reflect accurate information.

  Please feel free to reach out to our office at ************** to discuss your concerns further. We are here to assist you in resolving this matter promptly and fairly.

  Business Response

  Date: 10/04/2023

  Our apologies, totally understand now reading your case files carefully, it's clear that the first two times we tried to explain things, it wasn't easy for you to understand. Let us try again, but in a simpler way....

  You can choose to say no and ignore whatever you want at this point, makes us no difference.  However, it's still true that you received services from our client and have not paid.  It seems like you don't know much about how business contractors and sub-contractors work, and that's a bit sad. Your knowledge and understanding of our industry, business, and probably life in general, is very small.
  

  We don't need an agreement with you to help recover the debt you owe. We've been trying to contact you through different letters and calls, since 2019, when you first received services.  Until now you have ignored all prior attempts to resolve this debt. If you want to verify and settle the debt you owe, please get in touch with our office through the proper channels and we will be happy to send the detailed information you need.

  Customer Answer

  Date: 10/10/2023

  
  Complaint: ********
  
  I am rejecting this response because:
  Thank you for this Childish Response I Will Be Forwarding This To Your Supervisor. I Am Not Responsible & Will Not Be Paying This Debt Which I Am Not Responsible For As I Told You Multiple Times Which You Can’t Seem To Get That Through Your Head No Contacts Have Been Made Towards Me On This Matter No Proof Has Been Shown At All Just A Idiotic Response There Is An Attachment Section In This Response To high You Seem To Have Missed Which I Don’t See How Where You Can Easily Show Documents Supporting Claim Of Me Owing Any Debt That Can Resolve The Matter At Hand But Your Lack Of Inability To Due Simple Tasks Is Questionable 
  Sincerely,
  
  ******* ******

• Initial Complaint

  Date:08/31/2023

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

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

  Answered:

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

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  On 8/30/23 I received a call from central states recovery from ***** ***** I was expecting brandy . ***** **** preceded to tell me the settlement offer on my accounts was $3600 and some change. I told her that I had $2000 of it she said that I had to pay the amount of settlement or it was void if not paid at that time . I told her I didn’t have the full amount she then said ok I will notate your account. I then called back and asked for time to come up with rest . ***** **** then said I had until 430 pm. I spoke to hospital and was told a different story then what was told . ***** **** clearly violated fdcpa section 807 with falsifying the facts and being very misleading and false urgency. I will be seeking legal representation for violating my rights

  Business Response

  Date: 08/31/2023

  Dear **** ****,

  I am writing to apologize for any misunderstanding and frustration you have experienced. I want to clarify CSR's role in the debt collection process and explain why we were unable to settle your debt for less than $3,698.75. CSR is a third-party debt collection agency. This means that we do not own the debt you owe; we represent the creditor who does own the debt. As such, we cannot settle or act on the debt without the creditor's approval.

  On August 25, 2023, you called CSR and requested a settlement on your account. CSR emailed our two client contacts on August 25, 2023 and August 29, 2023 to request authorization for a settlement amount. On August 30, 2023, our client replied stating that the settlement offer you proposed was too low and that the lowest amount they would take is $3,698.75.

  On August 30, 2023, you spoke with *****, who explained that we are only authorized to settle for $3,698.75. You replied that you only had $2,000 and not $3,698.75. The $2,000 you offered to pay was less than the settlement you offered back on August 25, 2023. This raised questions for our client.

  I understand that this is frustrating, but I want to reiterate that we cannot settle your debt for less than $3,698.75 without the creditor's approval. Settlement offers must be submitted by the end of the business day, as this is the benefit of the settlement. The debtor gets a discount, and the creditor gets payment immediately and not via a drawn out payment process. Additionally, the creditor may not offer the same settlement amount again the next day, so it is important for CSR to receive payment by the end of the business day.

  I also want to apologize for any confusion you may have experienced when you spoke to our client. The individual you spoke to may not have had the authority or knowledge of the information previously given to CSR.  CSR has not violated any FDCPA regulations and is more than willing to assist you in any way we have authorization to help you through this process.

  Thank you for your patience and understanding.

  Customer Answer

  Date: 08/31/2023

  
  Complaint: ********
  
  I am rejecting this response because: i did make a offer as I clearly explained to brandy that I was trying to clear my debts off my credit report and I only had a certain amount and between the first initial conversation I had a chance to clear more with a settlement . No one intends in getting in debt or is it fair that consumers are billed 3 separate identities for the same visit . And yes you did violate i never rejected the settlement of your client but to be told it had to be paid by end of business day when i clearly could have paid the $2000 and then could have paid remainder with a two payment arrangement but that was not offered or accepted so I was mislead because i needed time to get remainder but wasn’t given that and lied to because let me quote I could pay the $2000 and have 7 days to pay remainder . If this the is how your collection agency is ran it is not a surprise that no one wants to pay your company. I do not deny my responsibility . So now I Geuss your client now has to deal with drawn out payments since I was told the settlement offer was void if not paid by 430 pm 8/30/23  and if not paid the client would be notified that I rejected offer which is not the case . I didn’t spit section 807 out of the top of my head. I am in collections and know that in no shape or form is lying ok. Second I will not financially rob my family to homelessness to pay a company who is unwilling to work with humans who work hard to do the next right thing.  
  
  Sincerely,
  
  ******* ****

  Business Response

  Date: 09/01/2023

  **** *****

  I understand your concerns and frustrations. Just like many, I've faced challenges too. Please know that it's not our intention to put you in a difficult situation. What you must understand is that CSR is representing our client and following their guidelines. We're more than willing to work out a payment plan that suits your budget. However, we cannot negotiate the settlement amount or the given timeframe. We have communicated all your concerns to our client, and the senior executives we report to are well-informed about the situation.

  I regret any confusion or misunderstandings that arose between ****** and *****. Please note that ****** will be back on the 5th, and I'd recommend reaching out to her for clarity more clarity. 

  Should you decide to involve an attorney, we respect your decision. They can reach out to us, and I'll ensure they are put into contact with our FDCPA attorneys as well as all pertinent data: including recordings, timestamps, and documentation from both our system and our client's.  

  Respectfully

• Initial Complaint

  Date:05/01/2023

  Type:Customer Service Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

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

  Answered:

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

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I received a letter from a debt collector for a medical bill that I had no idea existed, as I had thought I had just finished paying off all bills related to that visit. Having never dealt with this type of services before, I was skeptical about if they were a legitimate company based on the looks of the bill I had received and the nature of the call I had with an employee. When I called the company to get more info on what this was regarding, I spoke to Kay ****. When questioning what this was regarding and how was I to know this wasn't some kind of a scam, Kay proceeded to recite ALL of my very personal info to prove to me, including SS#. I am appalled that she did that without verifying who I was to begin with, just to prove her point. I shudder to think that this woman had access to my identity. Very unprofessional and I would think illegal for her to do any of what she did. On top of all of that, she was hateful to me. I had asked to see more details about what this unpaid bill was, and it's been a couple of weeks and I still haven't received them. I think everyone deserves be aware of how this company is treating our very private information. And businesses should stop supporting this company by giving them business, when they are so careless with patients personal and private details.

  Business Response

  Date: 05/02/2023

  Regarding the statement: “Having never dealt with this type of services before, I was skeptical about if they were a legitimate company based on the looks of the bill I had received…”
  

  Debtor has had multiple accounts listed with CSR and even made prior payments.  The first account listed with CSR was 11/2/17.  Therefore, I find the comments above to be contradictory as debtor has dealt with services like ours (us in fact) in the past.  Debtor has received calls, letters and even made payments to CSR in the past.  In addition, the “bill” debtor received from CSR is Federally mandated and the same as every other collection agency in compliance with CFPB Regulations.

  
  Regarding the statement: “When questioning what this was regarding and how was I to know this wasn't some kind of a scam, Kay proceeded to recite ALL of my very personal info to prove to me, including SS#. I am appalled that she did that without verifying who I was to begin…”
  

  Sophisticated software disagrees with the above statement.  The first-time debtor called was 2:05p.m. and spoke with Kay for 7 mins.  During that conversation, the debtor provided their account number which prompted Kay to verify their date of birth and the last 4 digits of their social security number.  All standard operating procedures under FDCPA guidelines.  During this conversation the debtor became upset telling Kay she was violating her rights by calling and giving out information.  While talking over Kay and confusing the story debtor hung up on her. 
  

  Regarding the statement: “I had asked to see more details about what this unpaid bill was, and it's been a couple of weeks and I still haven't received them..."
  

  The second time debtor called was at 2:13p.m. and was transferred to Kay’s voicemail where they left a 1:08 minute long message requesting an itemized statement.  On 4/18/23, at 12:16p.m. the billing company was emailed request for an itemized statement.  As of this morning, 5/02/2023, CSR has yet to receive the requested information. 

  
  CSR has acted in accordance with State and Federal laws when handling this account, and we will use these complaints as a teaching aid to ensure we do better in the future.  

  Customer Answer

  Date: 05/15/2023

  I find the response and tone of this email to be very similar to the tone of the call I had with this company. They take pride in belittling people they deem to be a lesser person, the 'debtor' that is a low life.

  To try to paint me in a bad light by saying that I have had multiple accounts listed with their company is patently false. I did have ONE in 2017 (an overlooked 3rd party medical bill just as this one was-which can happen to anyone when you're paying on multiple accounts). That hardly makes me a pro at recognizing and dealing with services such as theirs. I am a proud business owner with a close to *** credit rating, take that nonsense somewhere else. That is not what this is about, this is about how my personal info was being treated by this company.

  Kay most certainly gave all my personal info freely without verifying who I was, that was the reason I submitted this complaint in the first place. That is the reason I became upset and I called her out on the spot for doing so.  She was stone quiet when I did, she knew what she had done.  In her effort to be a ***** ***** to me for saying I didn't know if she was a legitimate company, she had messed up, she did violate my rights. There was no confusing what Kay had done.  And I have right to be protective of how she was slinging my personal info around.

  I had to make several phone calls to medical facilities to track down the necessary info to validate this bill.  It wasn't until Thursday, May 11th, that I received this mentioned statement from Kay.  By then, I had already tracked down the info and paid the bill. They didn't mail it until they saw I had filed this complaint. 

  I can see that this company is just going to deny what their employee did, and that using the BBB is proving to be fruitless in this situation.  There are other ways to make sure organizations are aware of why they should take their services elsewhere and I am going to make sure to utilize those. It's not okay to slander someone, or to treat them and their very personal info this way.