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MSCB, Inc.

Complaints

This profile includes complaints for MSCB, Inc.'s headquarters and its corporate-owned locations. To view all corporate locations, see

Customer Complaints Summary

16 total complaints in the last 3 years.
4 complaints closed in the last 12 months.

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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:02/16/2025
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 MSCB **** I do not have a contract with this collection agency. They did not provide me with the original contract as I requested.
Business Response
Date: 02/24/2025
Re: Case #********
Dear Better Business Bureau,

Thank you for the opportunity to respond to **** ****** complaint.

We received the account in question from WTH/********************************************** on February 7, 2024.

To date, we have never received a request from **** ***** for any information from our office regarding this debt. Validation of this debt along with documents signed by **** ***** were placed in the mail today to the address provided in this complaint. MSCB, Inc. has also submitted this to Experian, Equifax and Transunion be removed from **** ******* credit report.
If **** ***** would like to discuss this matter or has any questions, MSCB. Inc.can be reached at ************** Monday-Friday 8am-7pm Central Standard Time.

We feel MSCB, Inc. has acted accordingly and request this complaint be closed.

Sincerely,
MSCB, Inc.
PO Box 1567
**********************************************************************************
Initial Complaint
Date:10/28/2024
Type:Delivery 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 have no idea what my complaint is about other than they call my number several times a week. Never speak if I answer and don't leave a message if I dont.
Business Response
Date: 10/31/2024
Thank you for the opportunity to respond to Mrs. ******** complaint.
MSCB, Inc.has tried to contact Mrs. ******* in relation to personal business we have in our office. We have noted, as mentioned in her complaint, she wishes to receive no further phone calls. We have marked her account not to call going forward.
We are requesting validation of the debt we have in our office and if Mrs. ******* wishes to discuss this matter further, we can be reached Monday-Friday 8am-7pm Central time.
We feel MSCB, Inc. has acted accordingly and request this complaint be closed.

Sincerely,
MSCB, Inc.
PO Box 1567
**********************************************************************************
************ or ************
Customer Answer
Date: 10/31/2024

Complaint: 22483368

I am rejecting this response because: you have LIED and said I have asked to not be called. I haven't SPOKEN with anyone from your company as they do not talk when I answer nor leave a message. So how could I have requested to not be called?? When I try to call back based on telephone # on my caller ID because no one ever leaves a message, I get an automated system that says all operators are busy please hold and no one ever picks up. SO again, WHAT ARE YOU CALLING ABOUT???????

Sincerely,

***** *******
Business Response
Date: 10/31/2024
Thank you again for the opportunity to respond to this complaint.
We are open Monday-Friday 8am-7pm Central time if Mrs. ******* would like to call in and discuss the personal business we have for her in our office. We have to verify who we are speaking with before we can discuss the nature of why we are calling and cannot leave those details on an answering machine.
Mrs. ******* sent an email to our company stating if we could not leave a message when we were calling, detailing why we were calling, then we need to stop calling, therefore; we have noted to no longer the number we have on file. Once we receive validation of this debt from our client, we will place this in the mail to the address we have on file for Mrs. ******** Once Mrs. ******* receives the validation she can contact our office if she wishes to discuss further.
Thank you,
MSCB, Inc.
************************ *****, TN 38242
Phone# ************
Customer Answer
Date: 10/31/2024

Complaint: 22483368

I am rejecting this response because: I did not send an email to you saying that" I filed a complaint to the BBB saying you call but don't speak and don't leave a message if I happen to not answer. And that if you cant speak or leave a message then you don't need to call". If you want to read that into me saying don't call that is of course your right. This is all on record with the BBB so it really doesn't matter. If you want to call and actually speak when I answer, then you can certainly call me or if you want to have a live person answer when I call the number back from my missed call log then I will be happy to discuss. This issue at hand is still YOU DO NOT SPEAK WHEN I ANSWER NOR HAVE A LIVE PERSON TO ANSWER CALLS.

Sincerely,

***** *******
Business Response
Date: 11/04/2024
Good morning.

A supervisor from MSCB, Inc. will be attempting to contact Mrs. ******* by phone on Tuesday, November 5th.

Is there a certain time tomorrow that is best to reach ************ The call will be coming from MSCB, Inc. and the supervisor who will be calling is Miranda Majors.

Thank you,
MSCB, Inc.
************
Business Response
Date: 11/05/2024
Good morning.

A supervisor from MSCB, Inc. will be attempting to contact Mrs. ******* by phone on Tuesday, November 5th.

Is there a certain time tomorrow that is best to reach Mrs. ******** The call will be coming from MSCB, Inc. and the supervisor who will be calling is ******* ******.

Thank you,

MSCB, Inc.

************
Customer Answer
Date: 11/05/2024

Complaint: 22483368

I am rejecting this response because: it is the 5th and I just received the message. I see a missed call at 8:28Am but I was in a meeting and there is no message for me to know to call back. You can try to call me again at 3:45 CST today.

Sincerely,

***** *******
Business Response
Date: 11/07/2024
Good afternoon.
We spoke with Mrs. ******* on November 5th, 2024 and discussed why we have been attempting to contact her. She has requested additional information from our client, ********************************. We have requested this information and will forward it to her attention once received.

We kindly request this complaint be closed.

Sincerely,
MSCB, Inc.
***************************
************
Initial Complaint
Date:07/31/2024
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 **************************. I do not have a contract with MSCB **** they did not provide me with the original contract as requested.
Business Response
Date: 08/08/2024
Dear Better Business Bureau,
Thank you for forwarding ******************************** dispute to us for a response.
Our company, MSCB, INC. (MSCB), is a licensed collection agency that collects debts owed to creditors in ******** and other jurisdictions. We comply with all laws, rules, and regulations that pertain to debt collection. The subject debt was referred to us by ************************** (WRMC) on 11/23/2022. In accordance with our collection agency agreement with WRMC, We attempted to contact ************** by mail and by phone to collect the debt owed to WRMC. We also reported the debt to ************** credit report in accordance with our agreement with WRMC.
On 12/9/2022, We mailed a validation notice to ************** advising her of the right to dispute the debt and request information regarding the debt. We received no response from **************. We mailed additional letters to ************** but received no response. In addition to the letters, We made 19 (nineteen) attempts to reach ************** by phone over a 10 (ten) month period from 3/14/2023 to 1/9/2024. ************** did not answer or return any of our calls.
After we exhausted our efforts to collect the debt, we referred the matter to legal counsel for collection through the legal process.
On 4/20/2023, legal counsel mailed a validation notice to ************* advising her of her right to dispute the debt and request information regarding the debt. Legal counsel received no response to the notice from ************* during the validation period.
On 10/5/2023, legal counsel filed a lawsuit in the District Court of *******************, ******************** Case No. BACV-23-200. ************** was served with the Summons and Complaint on 10/18/2023. On 2/21/2024, a judgment was entered against ************** for the subject debt, along with attorney fees, interest and court costs. Since the judgment has been entered as a matter of the courts record, information regarding the judgment could be reported to ************** credit report by a third party over whom we have no control.
We have investigated this debt by reviewing the itemized statement and financial agreement from WRMC and determined that it is a valid debt. Furthermore, the civil judgment entered against ************** was based on a sworn affidavit of account from an authorized employee of WRMC. We will mail ************** a copy of the itemized statement and financial agreement with WRMC. In addition, we will mail ************** a copy of the judgment.
On 11/28/23, we reported the underlying debt to ************** credit report. On 8/1/2024, we submitted the item to be removed from the credit report.
We acted properly and in good faith in attempting to collect the subject debt, which we have determined is a valid and just debt.Nevertheless, we have removed the disputed item from ************** credit report.

Sincerely,

MSCB, Inc.
PO Box 1567
***********************************************
*****, ** *****
Ph: **************
Initial Complaint
Date:06/25/2024
Type:Customer Service 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 WTH/******* ********** Gen *** I do not have a contract with MSCB **** they did not provide me with the original contract as I requested.
Business Response
Date: 06/27/2024
Re: Case # ********
Dear Better Business Bureau,

Thank you for the opportunity to respond to ************ complaint.

MSCB **** received the account in our office from ***/********************************************** on June 30, 2020.

There were five statements sent to ************* to the address provided to us from ***/********************************************** without receiving any mail returns. There were also several phone attempts made to *************.

The address statements sent to previously does not match the address provided in her complaint. Due to these circumstances, we have submitted this to be removed from Mrs. ***** credit report.

We are placing validation of this account in the mail to ************* to the address provided in the complaint.

We feel MSCB, Inc. has acted accordingly and we request this complaint be closed.

Sincerely,
MSCB,****
PO Box 1567
************************
**************
Customer Answer
Date: 06/27/2024

Better Business Bureau:

I have reviewed the response made by the business in reference to complaint ID ********, and I accept their proposed resolution.

Sincerely,

*********************
1013 ********** St
***********, TN 38012
Initial Complaint
Date:04/28/2024
Type:Sales and Advertising 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 BMH-COLLIERVILLE SP-MC-E. I do not have and never had a contract with MSCB *** and upon my request 60 days ago, they did not provide me with the original contract.
Business Response
Date: 04/30/2024
Re: Case # ********
Dear Better Business Bureau,

Thank you for the opportunity to respond to ********************* complaint.

We received the account in our office from **************** on October 1, 2022.

Four statements have been mailed to ******************* to the address on her complaint and have not received a mail return.

****************** called our office on December 14, 2022, stating she thought she was paying on this each month. She said she was going to check her bank statements to see if payments were still coming and call us back. We have not heard from her since that conversation.

In this complaint ******************* said she requested a copy of the original contract over 60 days ago and that is not the case. We have not received a verbal or written request for any additional information. We are placing verification of this debt in the mail today to *******************.

We are available Monday-Thursday 8am-8pm CST or on Fridays 8am-7pm CST if she would like to discuss this with a customer service representative.

We feel MSCB, Inc. has acted accordingly s voluntarily and we request this complaint be closed.

Sincerely,
MSCB,Inc.
PO Box 1567
********************************************************************************
Initial Complaint
Date:04/09/2024
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.
Was supposed to do body work and paint, he didn't do the body lines and painted the truck, after paying him I notices it and he said I had five years warranty. To bring it back, after looking it over at home he had over spray everywhere. I took it back to get fixed and his company made it worse than it was, 8000 dollars In damage (estimates from other places on the damage) pictures are from where he painted it the first time.and some on the oversrpay from the second time. Texted him and got a.******* and told me where to kiss. I Have the text.
Business Response
Date: 04/09/2024
MSCB, Inc. does not handle body work or paint jobs to vehicles. I did reach out to **************** and explained he did send this complaint to the wrong company. He did understand and will be reaching out to the correct party.

Sincerely,
*************************
MSCB, Inc.
******************************************
Paris, ** 38242
************
Initial Complaint
Date:03/22/2024
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 am not liable for this debt with *** ******* SP MC E, I do not have a contract with MSCB **** they did not provide me with the original contract as requested.
Business Response
Date: 04/05/2024
Re: Case # ********
Dear Better Business Bureau,

Thank you for the opportunity to respond to ******************* complaint.

We received the account in question from our client, ***-******* on March 9, 2023.Statements were mailed to the address provided to ** by our client which was *********************************************************************** and we did not receive any mail returns.

As a courtesy we have submitted this to Experian, Equifax, and Transunion to be removed from ******************* credit report. We are also requesting validation of the debt in question from our client and will place it in the mail once received.

We feel MSCB, Inc. has acted accordingly and we request this complaint be closed.

Sincerely,
MSCB,Inc.
PO Box 1567
******************************************
Paris,** 38242
Initial Complaint
Date:02/26/2024
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 Weakley County Ambulance. I do not have a contract with MSCB **** They did not provide me with an original contract as requested.
Business Response
Date: 03/07/2024
Re: Case #********
Dear Better Business Bureau,

Thank you for the opportunity to respond to **************** complaint.

We received the account in question from Weakley County Ambulance on 04/06/20. A statement was sent to ************** at ***************** ****, ** ***** and did not receive a mail return.

This has been submitted to Experian, Equifax, and Transunion to be removed from *************** credit report. If he would like to speak to a customer service representative, we can be reached Monday-Thursday 8am-8pm and on Fridays 8am-7pm at **************.

Sincerely,
MSCB, Inc.
PO Box 1567
***************************************************************
Initial Complaint
Date:01/19/2024
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.
Keep receiving a call from this company. I spoke to a male individual when I called back. Individual stated I owed a medical bill that they were trying to collect on. When I explained that I am a retired vet that is 100% disabled, so my medical is covered in full by tricare insurance, individual told me I was a liar and he didn't care what my coverage was or is. Said he would make me pay one way or another.
Business Response
Date: 01/23/2024
Re: Case #********
Dear Better Business Bureau,

Thank you for the opportunity to respond ******************** complaint.

We have three accounts that have been placed with our office from **************************. We do not have any male customer service representatives in our office, so it would not have been MSCB, Inc. he spoke with. According to our records, no one at MSCB, Inc. has spoken with ******************.

If ****************** would like more information on the accounts in our office, we can be contacted at ************** Monday through Thursday 8am-8pm or on Fridays 8am-7pm.

Sincerely,
MSCB,Inc.
PO Box 1567
**************************************************************
Initial Complaint
Date:01/10/2024
Type:Service or Repair 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 do not have a contract with MSCB. They did not provide me with the original contract as requested.
Business Response
Date: 01/17/2024
Re: Case # ********
Dear Better Business Bureau,

Thank you for the opportunity to respond to Mrs. ******* complaint.

MSCB,Inc. has two accounts in our office for *****************. One for WTH-********* Hospital and one for ******************.

We are in the process of sending a detailed billing of each account to ***************** to the address we have listed on the file. At this time, we have submitted both accounts to be deleted from Mrs. ******* credit report through Experian,Equifax, and Transunion.

Sincerely,
MSCB,Inc.
PO Box 1567
**************************************************************
Customer Answer
Date: 01/17/2024

Better Business Bureau:

I have reviewed the response made by the business in reference to complaint ID ********, and I accept their proposed resolution.

Sincerely,

*********************
3120 State Route 79
*******, ** 38080

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