MSCB, Inc. CFPB Complaints

2000 Latest Complaints

Date Received	Timely Response	Product	Issue	State / Zip	Submitted Via	Tags
04/24/2018	Yes	Debt collection Medical debt	Communication tactics Frequent or repeated calls	KY 40229	Web
XXXX XXXX XXXX ( XXXX ) starting calling me XX/XX/XXXX and have called everyday since, with exception of Sundays. They never leave a message. They have called sometimes twice a day using four different numbers which I have searched online and have come back with their information. Here are the numbers : - XXXX ( XXXX ) XXXX - XXXX ( XXXX ) XXXX - XXXX ( XXXX ) XXXX - XXXX ( XXXX ) XXXX I had answered one call from them, however they would not identify who they were and why they were calling without me verifying who I was, and I will not identify myself because of all the scams that are going around. Also, it is my understanding that they must identify who they are and why they are calling. I received a letter dated the XX/XX/XXXX, but the letter was not received until the XXXX, but they started calling on the XXXX. It my understanding that they can not call you before the letter is received. My debt was originally through XXXX XXXX/MCSB. I had been in contact with them and made a {$30.00} payment to MSCB on Friday XX/XX/XXXX. I received the letter Saturday XX/XX/XXXX and was unable to contact either place of business because they were closed. XXXX called Saturday the XXXX at XXXX EST , which was XXXX their time. They close at XXXX on Saturdays, which only gave me a window of 13 minute to call them back. Which I would have, if I had received the letter before that time. I called MCSB today ( XX/XX/XXXX ) to ask if my account had been transferred to XXXX and they had no knowledge of this and had not received word from the hospital to close the account. They were going to look into it and I am going to call them back tomorrow ( XX/XX/XXXX ) to find out what the outcome is. I then called XXXX today to explain the situation. They were trying to argue that they had purchased the account and that MCSB was lying to me and to not believe them. I tried to explain to them that I had just talked to MCSB and paid them a {$30.00} payment Friday. They refused to listen to what I had to say and kept trying to argue with me that I didnt know what I was talking about and that MCSB was lying. They also tried to say that the debt was from XX/XX/XXXX, which technically it is, but that is after fighting with the hospital for three years to change a procedure code and I went from owing $ 4000+ to {$600.00}. I also told them I was going to report them to the XX/XX/XXXX because they were harassing me with phone calls which is illegal, along with not identifying who they were when asked. I told them to stop calling and they calling me another time today. They transferred me to a supervisor, which took 10 plus minutes and I feel I was just talking to the same person because she started with one accent and switched halfway through to the accent of the person I had originally talked too. I also told them that I couldnt afford their ridiculous payment plan which was either ~ {$200.00} for 3 months or a one lump sum of ~ {$480.00}. They asked how much I could pay and I told them about {$30.00} a month and they asked if I wanted to set up a payment plan, I told them not until this confusion gets resolved and she hung up on me.
02/23/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	IN 47150	Web
This is a formal complaint against MSCB INC for attempting to collect a debt that does not belong to me. On XX/XX/2021, I received a letter from MSCB INC, stating I had a past due balance of {$96.00}. This letter was sent to me in error as I am not XXXX XXXX XXXX. Also, I do not have any outstanding balances with " XXXX XXXX XXXX. '' Per the FDCPA, collection agencies have to send a written notice of debt to consumers before reporting the debt to the credit bureaus. The letter must contain the following : " ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; '' ( 3 ) Thirty days to dispute the validity of debt upon receipt of the notice ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumer 's written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor. '' I request MSCB cease from contacting me regarding this invalid item as it does not belong to me.
07/29/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TN 381XX	Web
I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX ... XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX MSCB INC ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
09/11/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	IN 46815	Web	Servicemember
This number belonging to MSCB keeps robo-calling my do-not-call registered cellphone asking for someone else, when I respond " 2 '' that I am not that person a recording plays telling me to call another number to be removed. This is not the first time I've gone through this mess and inevitably they keep calling for someone else 's debt and try to put the burden of stopping their harassment on me. It's unfair they can harass someone with robocalls and require someone to have spend more of their to call this company back to fix their error. I don't have a debt with you, so you have no right to contact me to the point of harassment in pursuit of that debt.
12/20/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	TN 38305	Web	Servicemember
MSCB Inc flagged my XXXX credit report after submitting an affidavit stating that I had no idea what this bill was because no one ever sent me a bill therefore I have no knowledge of this bill. I have previously been a victim of identity theft and also have a family member with the exact same name and month/year of birth as myself. Also, these collection agencies purchase these accounts for pennies on a dollar hoping to get paid the full amount. It also again HIPPA violations for hospitals or medical providers to provide any information concerning patients due to charged-off bills but again I have no knowledge of the bill because I was never contacted.
06/09/2021	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 Problem with personal statement of dispute	TN 380XX	Web
Are you the original creditor? Be advised this is not a refusal to pay, but a notice that your claim is disputed and validation is requested. I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you.
10/15/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	AR 720XX	Web	Servicemember
These accounts are not mine. The only one that I claim is the one I owe XXXX on. I have been making payments on this account and have never missed but perhaps a month or so. If you are going to send me a collection letter and place this account in collections, I will not pay another dime. I would like to request my money I have paid back. I have spent years building up an amazing credit score and I refuse to let you all ruin this for me. Do not call my house or place of employment. Do not write me. Do not email me. Take me off this collection list now. My lawyer for all matters is XXXX XXXX. XXXX and XXXX XXXX XXXX in XXXX XXXX, Arkansas!
10/27/2023	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	TN 38141	Web
This medial collection company by the name of MSCB INC has falsely reported a medical collection on my credit report. They have a balance of {$1800.00} listed on my credit report. However, my insurance company XXXX XXXX XXXX XXXX has already covered what they can cover and per the previous notices i have received from the XXXX XXXX XXXX in XXXX about this medical collection, it stated that the remaining balance of the debt was {$400.00}. The medical collection agency has failed to send me any notices and has also failed to send proof of the alleged debt in the amount of {$1800.00} that they are falsely reporting on my credit report.
11/16/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	TN 38125	Web
A reviewing a copy of my credit report I consumer ( XXXX XXXX ) realize that there are several innacurries on my report that violate my rights according to the 15 USC 1692. I did not authorize these accounts to be on my report. According to the 15 usc 1692 D " any bad debt furnished on your reports is ruining your reputation and its defamation of character. ''
10/10/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	TN 38301	Web
I'm fairly sure this is a scam. A " company '' called XXXX XXXX XXXX, or XXXX, sent me a collections notice for about {$1000.00} for XXXX XXXX for a hospital in XXXX Tennessee. I have never received any XXXX or other XXXX XXXX in XXXX. There appear to be other complaints about these guys on XXXX, which I already reported to.
10/04/2022	Yes	Debt collection Medical debt	Communication tactics Frequent or repeated calls	AR 72034	Web
This company calls me over and over and over. Ive told them could they not call me during my work hours. I work on the phone and them steadily calling me is a distraction. Theyve called me XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and today. Ive already sent them a cease letter as well as a debt verification letter.
01/11/2024	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	MS XXXXX	Web

05/25/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	MS 39759	Web

05/01/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TN 38305	Web

02/26/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	MS 38655	Web

11/17/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	TN 38125	Web

11/16/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	TN 38125	Web

11/16/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	TN 38125	Web

11/16/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	TN 38125	Web

09/25/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	IN 46818	Postal mail

04/13/2020	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	GA 30213	Web	Servicemember

04/01/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	TN 38305	Phone	Older American

09/24/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	AR 72847	Web

09/15/2019	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	TN 38301	Web

09/23/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	KY 40229	Web