Mid-America Accounts Control Bureau, Inc. CFPB Complaints

2000 Latest Complaints

Date Received	Timely Response	Product	Issue	State / Zip	Submitted Via	Tags
09/08/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	VA 22601	Web
I 'm sure you are aware of the provisions in the Fair Debt Collection Practices Act XXXX FDCPA XXXX. However, I would like to point out that your company has violated provisions of the FDCPA by implying that the legal status of the debt is collectible by reporting the alleged debt to the credit bureaus. The exact statute : XXXX 15 USC 1692e ] ( 2 ) The false representation of -- ( A ) the legal status of the alleged debtand ( B ) any services rendered or compensation which may be lawfully received by any debt collector for the collection of a debt. I am also doubtful that you would have adequate documentation to prove in court that you have the right to report this negative information on my credit report, and therefore you are in violation of the Fair Credit Reporting Act as well as the FDCPA. However, I will give you the chance to prove that you are lawfully entitled to report this information by requesting an investigation. I do not believe I owe what you say I owe therefore I dispute this debt. I am well aware of my rights under the Fair Debt Collection Practices Act ( FDCPA ) and my state laws so I hope to save XXXX us a great deal of time by letting you know that not only do I dispute the validity of this debt, I have also checked with my State Attorney General and verified that the Statute of Limitations for enforcing this type of debt through the courts in XXXX, Virginia has expired. Therefore, should you decide to pursue this matter in court I intend to inform the court of my dispute of this debt and that the " statute of limitations '' has expired. This complaint is your formal notification that I consider this matter closed and demand that you, or anyone affiliated with your company, stop contacting me by phone on any number, regarding this or any other matter. You may contact me in writing to advise me that your debt collection efforts are being terminated or that you or the creditor are taking specific actions allowed by the FDCPA or my state laws. Be advised that I consider any contact not in accordance with the Fair Debt Collection Practices Act a serious violation of the law and will immediately report any violations to my State Attorney General, to the Federal Trade Commission and, if necessary, take whatever legal action is necessary to protect myself. Be advised that I tape record all phone calls and violations of the FDCPA can result in you or your company being personally fined up to {$1000.00}. Now remove these erroneous items from my credit reports immediately.
12/23/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	IN 47401	Web	Older American
When I first walked into XXXX XXXX in XX/XX/2019, I told him I am XXXX and could not afford to run up a big bill. I also told him the insurance I had and showed him my card, which he copied. He assured me that my insurance would cover everything and that I should not worry. XXXX XXXX himself told me these things. My step-daughter was with me and she too saw him that day and witnessed the entire conversation. After our discussion he did his initial evaluation, then did an XXXX and several other procedures. These included a tens unit on my XXXX, heat and a compression device. At NO time did he tell me that these procedures were above and beyond the initial XXXX and that they would cost more money. I was unaware that he was intentionally running up a large bill that he could bill my insurance. When my insurance did not pay ( after he assured me it would ), he then came after me to pay a bill that I specifically told him I could not pay. I did not give permission for him to do all the extra procedures that he did. I have explained this in writing to his office and to his collection company. To date, I have received absolutely NO response from his office or the collection agency. I feel this is overtly fraud by his office. They KNEW I couldn't afford this yet continued to do procedures without my permission to run up the bill. I believe he did so because he thought he would bill the insurance. Additionally he put my step-daughter into a XXXX XXXX at his expense because he felt he could help her. She is XXXX XXXX. On our second visit, he became upset and told his son to " get her out of there NOW. '' His son obeyed and immediately got her out of the XXXX. On our way home, she got ill. This resulted in a visit to the emergency room for the XXXX. This is a condition in which they bring someone to normal pressure after being at a deep dive sea level pressure. It took her a week to recover from this incident. I believe that it directly relates this billing and collection because XXXX XXXX got angry that I was looking at his books in the hallway while waiting for the restroom. He became furious and made a loud scene about it. The people in the waiting room and other procedure rooms could all hear him yelling at me to " GET OUT. '' I told him I was not leaving without my daughter, which led to the removal from the XXXX This behavior was unprofessional and unprovoked. Again, I believe his anger at me is fueling this billing and collection activity.
07/27/2020	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	NY 10701	Web
Complaints : 1 ) Violation of Fair Debt Collection Practices Act, 2 ) Disregarded agreed upon amount, and 3 ) Ignoring my request to pay the agreed upon price. I called in to settle an account and they started talking to me about someones elses debt and told me the amount they owe, with USING THE DEBTEES NAME! This is a MAJOR violation according to the Federal Trade Commissions Fair Debt Collection Practices Act, 15 USC 1692d, 805 ( b ) Communications with Third Parties. I asked to speak with the Supervisor and his remarks were So what! This doesnt effect you, I told him that it is a violation of the Debtee and it causes me to have concern on their integrity and how they do business. He said everyone makes mistakes, and I agreed, however this violated Federal Law. He was very argumentative and kept saying what a you going to do about it?, I said I will take it further since he doesnt understand the magnitude of it. I then asked to go back to my issue and pay our mutually agreed upon amount to close my case. He gave me an amount of the original amount. I told him that was not it and that is was a different amount. He kept repeating that amount ( 6 times total ). I finally had to tell him to look at the notes in my file!!! He finally found it and admitted he was wrong. I kept telling him that I wanted to pay it but he insisted on going down a rabbit trail. He started asking me Dont I have a problem with him not looking at the notes first?, I said yes and it causes even more concern about his company. I told I want to pay my bill. He started saying that he is surprised I didnt want to complain about that. I said that I want to pay what I owe if he would stop acting like an XXXX XXXX . He said the call was over and hung up. I admit that I should not have used the word XXXX XXXX , but I was taken to my limit. I have sent an email to just get my agreed upon amount settled. I have not received anything other than a phone call from the Mid-America Collections Control Bureau , Inc. regarding this debt.
12/11/2023	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	AR 727XX	Web
A year ago I was contacted by this company via a phone call. I answered and they started talking about a supposed debt from XXXX. I was confused because I had my information hacked by a data leak so I was consistently monitoring my credit report and this debt wasnt on my credit report. I proceeded to tell the person over the phone that I didnt have any debt as none was showing on my credit report and I have no information about this supposed debt. She proceeded to verbally harass me and say So what you are not going to pay a debt you owe? Youre just going to receive XXXX XXXX and not pay for it? I said No thats not what Im doing at all, I just dont any information about this debt and I would like to validate that its mine. I eventually hung up because she wasnt giving me information about the debt. I looked up my rights and realized I could ask for a debt validation letter. I called the number back and I got the same lady on the phone. I asked for a debt validation through the mail. She said they dont send information through the mail, so I asked for an email. She took my email and my address. I never received anything through the mail or through an email that was a debt validation letter. Fast forward to XXXX I received a phone call from this same company. I called them back and told him how I asked for a debt validation a year ago and never received anything. He stated they dont send anything through the mail and I said Ill check my email. I checked and I never received anything like a debt validation letter via email. He said he would send me an email. After I hung up I received an email, with just an amount and way to contact them through their website. I logged in and was able to contact them through their website. I sent an email asking them for a debt validation letter with and they replied saying it was passed the 30 days and they dont have to send a debt validation letter.
04/01/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	NH 032XX	Web
On XX/XX/XXXX I submitted a dispute for a {XXXX} medical debt through XXXX. The collection agency was mid america accounts control bureau and the original creditor was XXXX XXXX.. the original assignment date was XX/XX/XXXX with original date of last delinquency XX/XX/XXXX. On XX/XX/XXXX the dispute was complete and came back verified as mine and other information added to my report. I got an alert from my credit service that a collection account had been removed from my report and a new one added on XX/XX/XXXX. It is the exact same account with the exception that they changed the assignment date to my dispute date so it shows as a new account on my report. On XX/XX/XXXX I disputed again and the next day I called XXXX and given the original creditor number. I called XXXX and finally confirmed what is one. I did have insurance but for unknown reasons it was not paid. I spoke with XXXX XXXX. And she said if I paid in full it would come off my report. I paid in full immediately and she confirmed mid america would remove off report. I then emailed mid america advising I paid in full and could you please remove account from report. The next day I received response stating she would need receipt of payment, how paid and when paid first. I sent my confirmation number along with receipt. And I also called XXXX again to confirm that they had indeed sent the information to mid america. They confirmed. I immediately emailed mid america of this and they provided my account number and it does indeed show paid in full.. I Emailed the vice president of the situation as it's still on my report with new open date, unpaid. My response from him was please don't use this email!. This should not be on my report. It looks like new collection account and it has ruined my credit report.
06/19/2017	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	MO 647XX	Web
In XXXX of XXXX MID-AMER ACCOU NTS CO XXXX , MO XXXX ( XXXX ) XXXX Contacted me and said I owed {$800.00}. I asked them to mail me out what I owed and to whom, " XXXX '' said he would. I called b ack 2 week s later and someone else said I would need to login to the website first. They would mail me the account number to setup the account. They did n't. I called back a couple weeks after that and spoke to the owner. He told me that no one would tell me that and I was a liar and I needed to pay the money. I finally got the amounts and dates from someone there. They will not let me pay current owed amounts until I pay bills they allege I owe from XXXX , 14 years ago and told me there is no limitations on collection. I am paying the original creditors directly a nd Mid-America is reporting derogatory remarks to my credit history before they remove them as paid. I believe they are doing that to ruin my credit score and it is working. All because they refuse to mail me anything in writing or let me pay them the accounts they hold. They are horrible people. I have been working with other agencies this year and have not had any issues.
09/26/2016	Yes	Debt collection Medical	Disclosure verification of debt Right to dispute notice not received	KS 674XX	Web
I never received any statement regarding a collection account. There was never any communication from the collection agency notifying me that they were placing an account for collection, or about my right to dispute the validity of the debt. It was discovered when I found it on my credit report XX/XX/XXXX. I did not recognize this account so a Request for validation was sent. The company did not respond. A credit reporting agency confirmed to me today that collection agency contacted them with validation on XX/XX/XXXX but has still not sent me anything and credit reporting agency never notified me. I have had zero communication from this company although I have contacted them for validation, and they have failed to validate that this debt is actually owed by me. The status of this account is still in dispute and " reinvestigation in process ''. This has been in investigation since XX/XX/XXXX. Furthermore, the collection agency is reporting the same account twice on my credit report. The only difference is one says " reinvestigation in process '' and one has a XXXX added between XXXX numbers on the account number.
08/27/2020	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	TN 37211	Web	Servicemember
The company originally contacted me via phone in early XXXX attempting to collect a debt for XXXX XXXX in XXXX, MO. I requested they verify the debt to me and to provide documentation. They provided no verification or documentation, and I heard nothing from the company until I found the alleged debt on my credit report in early XXXX. In early XXXX, I again contacted the company requesting verification of the debt. The first person I spoke to there told me they weren't required to provide any documentation or verification. I then contacted the state attorney general who confirmed for me that, in fact, the company was required to verify the debt and provide documentation. I contacted them again requesting verification of the debt. They told me they had no documentation of the debt, not even a copy of a bill, to show the debt was real. I asked for the collections statement to be removed from my credit report, but they would not do that.
12/12/2016	Yes	Debt collection Medical	Disclosure verification of debt Right to dispute notice not received	KS 66104	Web	Older American
Collection agency was notified twice by XXXX of a dispute that was reported. Collection agency did not verify debt, but returned the report to XXXX as still owing the debt. However, it was paid in full. I called the Collection Agency to resolve the problem, but was told that they wo n't verify any information when they are notified of a dispute. Apparently, they will allow false information to remain on the credit report indefinitely, because they " would get nothing else done '' if they spent time correcting disputes. They also report every late or non-payment as a separate issue and debt instead of all with the same company to make as many negatives on the credit report as possible. For example, if there is a total owed to a company, they report as many separate negatives as days that the debt was owed.
05/03/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	KS 660XX	Web
Medical debt was put in my name somehow, it belongs to my ex-wife, she called asked repeatedly for them to put it in her name and she is paying on it. They are still reporting it as my debt, when she called and assumed the debt, made payment arrangements, and they said they would remove it from my credit but they haven't and won't. I disputed it through the credit agency it's still there. I called Mid-America collections they were rude and hateful told me to dispute it again, what more can I do. I asked if my divorce attorney could show them that it isn't mine and it needs to be reported on hers, they were rude and extremely hateful. They won't even tell you who they are when you call unless you tell them you have an account with them.
12/10/2022	Yes	Debt collection I do not know	False statements or representation Attempted to collect wrong amount	MO 64801	Web
received call from XXXX XXXX on account with XXXX XXXX. explained that i refused to pay because XXXX XXXX refused to cancel the advertising and made me keep going with it with no results. and that i have filed complaints a few times on this. and the thing that really stuck out to me was how rude the person on the call was acting. even as i was explaining that this was a debt the company contunied to force me to have after requests were made to stop service. to which she finally replied that she knows how to make it stop and hung up on me. will be attaching a letter that was also sent to XXXX XXXX XX/XX/2018 as this is going on 4 years of fighting this now.
02/23/2018	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	MO 64804	Web
I have filed 2 complaints against this company they was never even reporting this debt to major credit bureaus until I recently filed 2 CFPB complaints this company is trying everything they can to hurt my credit and in retaliation of my recent complaints they report the XXXX XXXX XXXX then it was taken off my credit report and put back on in violation of the F.C.R.A this company is also being reported for investigation by the Missouri Attorney Generals office for retaliation against me i dispute this debt it's taken off my report then Mid America Accounts Control Bureau vindictive conduct against me is pure retaliation and needs to be investigated
08/11/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	MO 64804	Web
On or about XXXX XXXX 2016 Mid America Accounts Control Bureau began reporting inaccurate information regarding my bank account through XXXX XXXX XXXX XXXX I overdrafted my account and bank had permitted me to settle via a payment arrangement or fresh start program my account therefore was pursuant to FCRA in good standing in as much we had reached an agreement I have NO issue with XXXX XXXX only with Mid America Accounts Control Bureau innacuratley reporting and still as of today XXXX showing i owe this amount on my XXXX report although XXXX XXXX advised them and they promised they would take it off my report.
07/12/2018	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	MO 65616	Web
Collection agency tried to collect dept, I informed them in writing that I dont own the dept and have no knowledge of it. Instead of providing proof of debt, collection agency placed a negative report in to the XXXX. When I called XXXX to dispute it, exactly the same item was placed second time, which XXXX informed me that collection agency did it. Collection agency failed to inform me about its intentions to place negative record in my report which is agains low.
01/08/2017	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt resulted from identity theft	TX 77449	Web
I was a victim of identity theft and noticed a collection from MID-AMER ACCOUNTS CONTROL I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against MID-AMER ACCOUNTS CONTROL in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity XXXX. Attached is my document. Thank you
09/07/2022	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 77373	Web
Date Assigned XX/XX/2022 Account Number open Mid-Amer Accounts Co Original Amount Owed {$940.00} that I owe. I have never signed any written document saying that I owe this debt to the collector. they are violating my right of the FCRA as a consumer. I do not know who they are and have not written consent from my end. also, they have not verified that I owe this debt to this alleged company. Please have this removed from all three credit bureaus. XXXX XXXX
12/14/2015	Yes	Debt collection Medical	Disclosure verification of debt Right to dispute notice not received	MO 65802	Web
I have asked for but have not received any sort of statement showing what I owe and to whom. I have also asked that they not call me at work but yet they continue to do so. I even provided them with my cell phone number instead. I have offered to submit money to this account on a monthly basis once I receive documentation of the outstanding bill. They refused to accept any sort of payment unless it was {$250.00} or more a month.
01/24/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Threatened to take legal action	MO XXXXX	Web
I was called by Contact information : Mid-America Accounts Control Bureau , Inc . XXXX XXXX XXXX XXXX XXXX, Missouri United States Phone : XXXX saying they had a hostiapl bill from XXXX hospitals that they were turning over to a lawyer unless I paid the debt. I told them I had a credit lawyer taking care of everything. They then told me they would be turning it over to a lawyer. They then hung up the phone
07/14/2018	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	MO 65616	Web
The collection agency placed a negative report to credit bureau, after I disputed medical bill as being fraudulent.Collection agency failed to inform me about it's intentions to place a negative record in to credit bureau and failed to submit any supporting documentation. Collection agency place two negative reports for exactly the same account after I initiated dispute with credit bureau.
05/06/2021	Yes	Debt collection Medical debt	Threatened to contact someone or share information improperly Contacted your employer	MO 648XX	Web
A collector named XXXX XXXX has contacted me during the hours I sleep for work after asking her not to. I work night shift. She has also contacted my husband 2-3 times at his place of employment. I have asked her to stop and so has he. She however continues with phonecalls and does not identify herself when calling and will not leave a message.
11/07/2017	Yes	Debt collection Medical debt	Communication tactics Frequent or repeated calls	KS 667XX	Web
Mid America out of XXXX MO is calling me repeatedly at my place of employment. They also call my personal cell at all hours of the day including late at night. No information has been received in writing from this business.
12/12/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	MO 648XX	Web
Harassment by XXXX with robocalls and illegal debt collection tactics. Debt discharged in XXXX XXXX bankruptcy.
10/07/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	AR 72335	Web

10/03/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	AR 72335	Web

09/16/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	AR 72335	Web

09/03/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	AR 72335	Web

08/18/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 77066	Phone

04/13/2022	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	MO 64831	Postal mail

04/01/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	AR 72766	Web

09/21/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	TX 78237	Web

04/19/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	MO 64701	Web

04/24/2020	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	KS 66763	Postal mail

04/10/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	KS 66763	Postal mail

02/25/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	NM 87035	Postal mail

01/15/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	AR 72756	Web

11/20/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	KS 67439	Postal mail

09/25/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid		Phone

08/11/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Credit monitoring or identity theft protection services Billing dispute for services	MO 64804	Web

04/14/2017	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	KS 66720	Web

03/23/2017	Yes	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	MO 65616	Web

03/10/2017	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	KS 66762	Web	Servicemember

02/26/2017	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	MO 64040	Web

11/13/2016	Yes	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	MO 65804	Web

08/11/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	KS 66713	Web

08/10/2016	Yes	Debt collection Medical	Improper contact or sharing of info Contacted employer after asked not to	MO 64744	Phone

08/22/2015	Yes	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	VA 22601	Web

08/19/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	VA 22601	Web

07/23/2015	Yes	Debt collection Medical	Communication tactics Frequent or repeated calls	MO 64093	Web

06/08/2015	Yes	Debt collection Medical	Disclosure verification of debt Not disclosed as an attempt to collect	KS 67347	Phone	Servicemember

04/01/2015	Yes	Debt collection I do not know	Communication tactics Called after sent written cease of comm	MO 64801	Referral

03/30/2015	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	VA 24073	Postal mail

03/12/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Right to dispute notice not received	KS 67218	Web

01/30/2015	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	MO 64014	Phone

01/21/2015	Yes	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	KS 66720	Web

01/21/2015	Yes	Debt collection I do not know	Improper contact or sharing of info Contacted me after I asked not to	MO 64850	Web

07/02/2014	Yes	Debt collection Medical	Communication tactics Frequent or repeated calls	KS 66725	Web

04/04/2014	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	OK 74019	Web