Complaints

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

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  State Collection Service, Inc.

  2509 S Stoughton Rd Madison, WI 53716-3314

  
• 

  State Collection Service, Inc.

  PO Box 6250 Madison, WI 53716-0250

  
• 

  State Collection Service, Inc.

  628 North St Geneva, IL 60134-1356

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  State Collection Service, Inc.

  600 Henry Ave Ste 21 Beloit, WI 53511

  
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  STATE COLLECTION SERVICE INC.

  628 North St Geneva, IL 60134-1356

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:07/19/2022

  Type:Product 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 ordered some blouses from Women Within in June of 2020. There was an issue and I filed a complaint with my credit card company (Discover). Discover found in my favor and returned the money to my account. Now 2 years later, Women Within through State Collections, is trying to get the money from me. Why file a dispute with the credit card if the company won't honor it? I don't think this should be collected, if I "won" the dispute. I have had numerous conversations with State Collections about this matter.

  

  Business Response

  Date: 07/28/2022

  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 retailer (Creditor) had listed one account with our company.  Please note that Creditor maintains ownership of the account and we were merely acting as collector in collection of the debt.
  
  The account listed on December 28, 2020, in the amount of $41.77 with a transaction date of June 25, 2020.  On or about December 30, 2020, we mailed to Consumers attention our standard first notice, said notice advised Consumer of her right to dispute the validity of the debt within thirty-days of receiving that notice.  We spoke to Consumer on January 23, 2021, and she advised this debt was paid with a credit card on the transaction date and requested verification of debt.  We placed the account on hold and reached out to Creditor to verify if the debt is due and owing.  Creditor advised us that the debt is due and owing and on June 1, 2021, the itemized statement was mailed to Consumer.  On June 11, 2021,Consumer contacted us to advise debt was paid and will send proof of payment.  On May 3, 2022, we processed a letter of dispute from Consumer with proof of payment and sent that information to Creditor.  The Creditor responded to us by advising the information provided by Consumer is for the original transaction, however, Consumer filed a dispute with the credit card company against the amount charged.  Creditor provided us with an itemized statement, which was mailed to Consumer on June 15, 2022.  On June 27, 2022, Consumer called us to advise the credit card company found in her favor regarding the dispute.
  
  Upon receiving this complaint, we reached out to Creditor regarding Consumers Better Business Bureau complaint and Creditor has responded by instructing us to return the account to them as disputed.  We have returned the account to Creditor, the owner of the account.  Please note this account never reported to the credit reporting agencies by our company.  Thank you.

• Initial Complaint

  Date:07/10/2022

  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 reliable for this alleged debt with advocate aurora health or with state collection service collection agency.

  

  Business Response

  Date: 07/18/2022

  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 the account in question was listed with our company by medical provider (Creditor).
  
  The account listed on April 18, 2021, in the amount of $156.27 for a date of service of August 8, 2020.  On April 24, 2021, we delivered to Consumers attention our standard first notice, said notice advised 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 is valid.  The Creditor provided us with the itemized statement and on June 15, 2022, we mailed a copy of the itemized statement directly to Consumer, at the address appearing on this complaint, showing adjustments and payments by insurance prior to the account being placed with our company.  On July 6, 2022, the account in question was returned to Creditor as disputed.  We have sent a request to the credit reporting agencies to remove the account from Consumers credit report.  Thank you.

• Initial Complaint

  Date:06/21/2022

  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 don't know why you are still giving me this "other than you" feedback. I AM ME! and I'm asking you to delete the fraudulent accounts that I saw on my credit reports. I attached documents such as IDs, SSN, and my POA. I'm getting annoyed with this ******** you are giving me. You are avoiding deleting the accounts that I keep on reporting and giving me the same feedback! Delete the accounts that I am reporting and I'm only giving you 15 days, you are testing my patience!Again, These are the accounts that you must block because I DID NOT AUTHORIZE ANYONE TO USE MY PERSONAL INFORMATION hence, these are all fraudulent accounts!STATE COLLS , Balance $100.00 Account Number ********

  

  Business Response

  Date: 06/28/2022

  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) has listed one account with our company for collections 
  
  The account listed on August 30, 2020, in the amount of $100.00 for a date of service of February 8, 2020.  On or about September 3, 2020, we delivered to Consumers attention our standard first notice, said notice advised 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.  
  
  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.  Please note that Creditor maintains ownership of the account and we are merely acting as collector in collection of the debt.  Creditor has authorized us to report the account to the credit reporting agencies (CRAs).  As a courtesy to Consumer, we have requested removal of the account from the CRAs.  To reiterate Creditor is the one who authorizes our agency to report accounts to the CRAs.  Lastly, nothing is fraudulent about reporting legitimate consumer debt to the CRAs.  Thank you.

• Initial Complaint

  Date:06/06/2022

  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 was sent to this collection agency by *************** I called and made payment arrangements for a $210.00 **** of $70.00 a month for 3 months, starting January 2022. I made a payment on 1/13/2022, 1/27/2022 & 2/27/2022. Paying this **** in full. I have contacted them on 6 different times requesting a pay off letter to be sent thru the ********** email address. Have not receive received either as of 6/6/2022.

  

  Business Response

  Date: 06/16/2022

  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 the two accounts in question were listed with our company by medical provider (Creditor) on September 9, 2021, and October 7, 2021, respectively.
  
  The first account listed in the amount of $210.00 for a date of service of November 1, 2020.  The second account listed in the amount of $140.00 for a date of service of November 30, 2020.
  
  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 as patient responsibility.  Please note that Creditor maintains ownership of the accounts and we were merely acting as collector in collection of the debts.  Our company collected payment from Consumer on December 30, 2021, which paid the second account to list in full ($140.00), Creditor and our company due thank Consumer for that payment.  On January 3, 2022, we delivered via text to Consumers phone number on this complaint a receipt indicating the account is paid in full. 
  
  Consumer also setup a payment plan on December 30, 2021, to payoff the first account to list.  Our company collected $70.00 payments on January 13, 2022, January 27, 2022, and February 10, 2022, respectively, which paid said account in full ($210.00).  Creditor and our company due thank Consumer for those payments.  On January 17, 2022,we mailed to Consumers attention to the address on this complaint a receipt for the $70.00 payment made on January 13, 2022, per Consumers request on January 17, 2022, for a paper receipt.  On March 7, 2022, we received a call from Consumer requesting a receipt and said request was placed, however, no receipt went out.  Consumer called on March 31, 2022, requesting a receipt and said request was placed, however, no receipt went out.  We do apologize for that issue. 
  
  On May 24, 2022, we received a call from Consumer requesting a letter from our company indicating that both accounts in question are paid in full.  That day we placed in the U.S.Mails to Consumers attention to the address on this complaint a letter indicating the accounts with dates of service November 30, 2020 ($140.00) and November 1, 2020 ($210.00), are paid in full.  The address we have file matches the address on Consumers complaint.
  
  At this time both accounts that are the subject of this complaint have been returned to Creditor as paid in full.  Thank you.

  Customer Answer

  Date: 06/20/2022

  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and have determined that this does not resolve my complaint.  For your reference, details of the offer I reviewed appear below.
  
  I don't agree. I have also requested that they send it thru my email, which I will receive immediately. That has not been done. Since I have not received it thru the mail. This is getting ridiculous. 

  
  Regards,
  
  *****************************

  

  Business Response

  Date: 06/27/2022

  As we understand Consumers reply to our response to Consumers complaint issue,Consumer did not receive the receipts and would like the receipts sent via email.  Due to federal regulations regarding communicating via email with consumers, for us to communicate with Consumer via email, she will need to sign up for email notifications at http://www.statecollectionservice.com/emailme.  On June 23, 2022, we placed in the mail to Consumers attention, to the address on this complaint, receipts for the four payments received.  The medical provider and our company do thank Consumer for those payments.

• Initial Complaint

  Date:06/03/2022

  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.

  For nearly a year Ive had a **** on my credit from them. I had disputed the original debt and received no validation when requested. Then a **** showed up on my credit, I called asking for removal and validation, they agreed to send validation and that I can dispute. I have requested validation 3 times over the past year and received nothing. They also claim to not own the debt they are attempting to collect which makes the **** on my credit they reported even more concerning. I have researched collection laws and they have failed to respond to both written and telephone requests for more information.At this point I have not received any good faith from them in handling this false claim. I am asking the collection be removed from my report permanently, or am requesting all I formation on my client file so I wont have to file a subpoena.

  

  Business Response

  Date: 06/13/2022

  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 service provider (Creditor) had listed one account with our company. 
  
  The account listed on May 31, 2020, in the amount of $2,304.85 for a date of service of August 13, 2018.  On or about June 4, 2020, we mailed to Consumers attention our standard first notice, said notice advised 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 analyzed the account, and it is noted that we responded to Consumers direct disputes to the credit reporting agencies (CRAs) based on Creditor affirming that the debt was due and owing as patient responsibility.  Please note that Creditor maintains ownership of the account and we were merely acting as collector in collection of the debt.  Creditor authorized us to report the account to the CRAs.  On June 1, 2022, the account was returned to Creditor at their request.  We have requested removal of the account from Consumers trade-line.  Thank you.

  Customer Answer

  Date: 06/13/2022

  [A default letter is provided here which indicates your acceptance of the business's response.  If you wish, you may update it before sending it.]
  
  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and as long as my credit is restored then I am satisfied. I dispute ever receiving any notice from them, they still have not to revised my proof of debt
  
  Regards,
  
  ********************************
  

  

  Business Response

  Date: 06/23/2022

  As we understand Consumers reply to our response to Consumers complaint issue,Consumer is concerned about credit reporting.  As stated in our initial response, the Creditor who owns the account at issue, authorized us to report the account to the credit reporting agencies.  On June 1, 2022, the account was returned to Creditor at their request, and we requested deletion of the account from Consumers credit report.  Also, we confirmed that our standard first notice was placed in the mail advising Consumer of the right to dispute the validity of the debt within thirty-days of receiving said notice.  Since our company is no longer collecting on the account and we no longer possess the account,which is owned by Creditor, we are unable to address proof of debt concerns.  Thank you.

  Customer Answer

  Date: 06/23/2022

  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 

  The business never mailed any validation of debt as required by law, if they did it was not received and this does not fulfill their legal requirements. I have asked several times for validation of the debt and proof you mailed it at the time you claim, Ive never gotten a response back from you. At this time I will again ask you send all information pertaining to my account. 

  
  Regards,
  
  ********************************

• Initial Complaint

  Date:05/09/2022

  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 State Collection Services and do not have a contract with convergent. They do not provide me with the original application like I asked.

  

  Business Response

  Date: 05/20/2022

  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) has listed four accounts with our company. 
  
  The first three accounts listed on November 13, 2020, in the amounts of $1,935.00, $1,904.00, and $790.00 respectively all with the same date of service of November 14, 2019, patient is Consumer.  On or about November 17, 2020, we delivered to Consumers attention, our standard first notice, said notice advised 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 debt within that thirty-day period, nor at any time thereafter.  
  
  The fourth account listed on August 26, 2021, in the amount of $526.69 for a date of service of January 17, 2021, patient is a minor and Consumer is listed as guarantor.  On or about August 30, 2021, we delivered to Consumers attention, our standard first notice, said notice advised 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 time thereafter.
  
  Upon receiving this complaint, we reached out to Creditor regarding Consumers complaint and Creditor has responded by affirming that the debts are due and owing as guarantor responsibility.  Please note that Creditor maintains ownership of the accounts and we are merely acting as collector in collection of the debts.  Creditor has authorized us to report certain accounts to the credit reporting agencies.  As a courtesy to Consumer, we have requested removal of any accounts Creditor directed us to report from Consumers tradeline as we work through this complaint process.  Thank you.