South Mississippi Collection Services Inc. CFPB Complaints

2000 Latest Complaints

Date Received	Timely Response	Product	Issue	State / Zip	Submitted Via	Tags
09/14/2021	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	MS 39501	Web
i started my letters with SOUTH MISSISSIPPI COLLECTION ON XXXX XXXX asking for the validity of debt about these alleged debts of XXXX, {$150.00} that i don't owe.they never sent me the information that i requested, so i sent another letter on XXXX XXXX asking for more information that i never received.they have violated the 30 days to respond to the consumer and these inaccurate and incomplete items should be deleted ASAP before i turn this matter over to my attorney.XXXX XXXX XXXX sent me a document in the mail claiming that i owe a debt. on XX/XX/2021, i sent them a letter usps certified mail w/tracking # XXXX XXXX XXXX XXXX XXXX requesting the validity of the alleged debts of {$550.00} and XXXX they have violated my rights as a consumer. Pursuant to the FDCPA specifically 15 USC 1692g, it states ; Within 5 days after the initial communication with a consumer in connection with the collection of any debt, a debt collector SHALL unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing. ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed, ( 3 ) a statement that unless the consumer, within 30 days, after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within 30 day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt and ( 5 ) a statement that, upon the consumer 's request within the 30 day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor, SOUTH MISSISSIPPI COLLECTIONS has failed 3-5 and therefore, is in violation of the law. not only did they not include it in the initial communication, they failed to send it within 5 days.As you can see the date was XXXX XXXX and today is XXXX XXXX.attached is the letter i sent to them about the alleged debt and i haven't heard from them as of yet.
03/22/2018	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	MS XXXXX	Web
Reference my CFPB complaint, ID # XXXX, to South Mississippi Collection Service ( SMCS ), submitted on XX/XX/XXXX ; and SMCS ' response on XX/XX/XXXX. A Medical Debt Collection Account has been posted on my Credit Reports by SMCS on XX/XX/XXXX. This Collection Account has a reported opening date of XX/XX/XXXX, in the amount of {$64.00}, original amount of {$46.00}. I am a XXXX U.S. Citizen and receive some limited State and Federal Medical Insurance Benefits. Apparently, the remaining balance, in the amount of {$46.00}, was not paid to the original Creditor ( XXXX XXXX XXXX ) by my medical insurance ; A {$18.00} collection fee was later added by SMCS for a total of {$64.00}. Because of my XXXX Benefit fixed low income, the XXXX XXXX XXXX XXXX setup a payment plan with me for any unpaid insurance medical charges. This payment plan was setup prior to XX/XX/XXXX ; but the XXXX XXXX XXXX XXXX apparently still sent the unpaid balance to collection. The Fair Debt Collection Practices Act ( FDCPA ) requires that within 30 days of debt assignment, SMCS must notify me in writing, not phone calls, of this Collection Debt. I am AGAIN stating that I DID NOT receive any lawful WRITTEN DEBT NOTIFICATION from SMCS. I would have happily arranged payment if properly notified prior to reporting it to the Credit Reporting Bureaus. I submit to XXXX that Collection Agencies need to STOP the practice of just reporting to Credit Reporting Bureaus under the guise that they gave a person lawful DEBT NOTIFICATION. A person 's Credit Report is nothing to PLAY with. The information on Credit Reports greatly influence a person 's livelihood ( ie., Mortgages, Rent, Loans, and even Insurance and Utilities ). I challenge SMCS to provide proof that I PERSONALLY received lawful WRITTEN DEBT NOTIFICATION, NOT PHONE CALLS, from them.. I receive all my other mail at my indicated home address. I have no problem with paying this Medical Debt, but I will seek lawful action if the the Collection Account is not IMMEDIATELY removed from my Credit Reports.
09/25/2021	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	MS 39532	Web
on XX/XX/2021, i sent SOUTH MISSISSIPPI COLLECTION a letter about a alleged debt of a XXXX that i dont owe.XXXX XXXX XXXX sent me a document in the mail claiming that i owe a debt. on XX/XX/2021, i sent them a letter usps certified mail w/tracking # XXXX XXXX XXXX XXXX XXXX requesting the validity of the alleged debt of $ XXXXSOUTH MISSISSIPPI COLLECTION sent me a document in the mail claiming that i owe a debt. on XX/XX/2021, i sent them a letter usps certified mail w/tracking # XXXX XXXX XXXX XXXX XXXX requesting the validity of the alleged debt of {$110.00}. they have violated my rights as a consumer. Pursuant to the FDCPA specifically 15 USC 1692g, it states ; Within 5 days after the initial communication with a consumer in connection with the collection of any debt, a debt collector SHALL unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing. ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed, ( 3 ) a statement that unless the consumer, within 30 days, after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within 30 day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt and ( 5 ) a statement that, upon the consumer 's request within the 30 day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor, SOUTH MISSISSIPPI COLLECTION has failed 3-5 and therefore, is in violation of the law. not only did they not include it in the initial communication, they failed to send it within 5 days.As you can see the date was XXXX XXXX and today is XXXX XXXXattached is the letter i sent to them about the alleged debt and i haven't heard from them as of yet.
09/17/2021	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	MS 39501	Web
i sent out my final letter to SOUTH MISSISSIPPI COLLECTION on XXXX XXXX, about the alleged debts of XXXX and XXXX that i dont owe.national credit adjusters sent me a document in the mail claiming that i owe a debt. on XX/XX/2021, i sent them a letter usps certified mail w/tracking # XXXX XXXX XXXX XXXX XXXX requesting the validity of the alleged debts of {$150.00} and XXXX they have violated my rights as a consumer. Pursuant to the FDCPA specifically 15 USC 1692g, it states ; Within 5 days after the initial communication with a consumer in connection with the collection of any debt, a debt collector SHALL unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing. ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed, ( 3 ) a statement that unless the consumer, within 30 days, after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within 30 day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt and ( 5 ) a statement that, upon the consumer 's request within the 30 day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor, SOUTHERN MISSISSIPPI COLLECTION has failed 3-5 and therefore, is in violation of the law. not only did they not include it in the initial communication, they failed to send it within 5 days.As you can see the date was XXXX XXXX and today is XXXX XXXXattached is the letter i sent to them about the alleged debt and i haven't heard from them as of yet.
07/22/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	MS 39402	Web
This medical collection is a result of fraud and identity theft. I have never been a patient of XXXXXXXX XXXX XXXX XXXX XXXX XXXX I have reached out to XXXX XXXX XXXX XXXX XXXX XXXX and South Mississippi Collection Services several times via XXXX Mail and via telephone. Upon speaking with South Mississippi Collection Services I was instructed to contact the original creditor, XXXX XXXX XXXX XXXX XXXX XXXX, and spoke to a manager by the name of XXXX XXXX, upon speaking to XXXX XXXX and explaining to her that this collection was a result of fraud and identity theft, and providing a copy of my FTC identity theft report she provided this information to South Mississippi Collection services, and they promptly removed the collection, a few months later the collection was reinserted on my credit file. I reached out to XXXXXXXX XXXX XXXX XXXX XXXX XXXX again to rectify the situation a second time and was told that the collection was " verified '' even though it was not. I asked for proof of said verification and nothing was provided. Despite the fact that I provided a FTC identity theft report and affidavit of truth. Also XXXX has failed to block/delete this collection from my consumer credit report within four business days of receiving the FTC identity theft report. XXXX has also failed to show proof that this medical collection is verified/legitimate.
07/09/2020	Yes	Debt collection Medical debt	Communication tactics Used obscene, profane, or other abusive language	MS 39564	Web
The very first conversation I had with an employee happened, I believe, in XXXX. I was on break at work, but about to clock in when I answered. I told her I was an worm and couldnt take care of it right now. Her response was, they would have to take legal action. Her notes reflect that I refused to cooperate and hung up. They proceed with legal, after not further contact with them. They attempted to serve me at the incorrect address. I made contact with them in XXXX, after I had been making payments directly to the medical office, which I had been doing though inconsistently, to set up arrangements. I also updated them with all my correct information. In less than a week of making payment arrangements, I lost my job due to COVID-19. I failed to contact them to tell them I was affected by a global pandemic. They never contacted me with regards to payments and proceeded with legal, again without having me served, so of course I was not in court. Now my assets are frozen for the incorrect amount for garnishment. Every conversation I have had with multiple employees, including the owner, has been condescending, disrespectful, unprofessional and/or completely dishonest.
06/09/2017	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened to sue you for very old debt	MS 395XX	Web
O n XX/XX/XXXX I was served a summons for a medical debt with multiple accounts dating back to XX/XX/XXXX . I li ve in Mississippi, which is also where the debt was incurred. The statue of limitations is 3 years in Mississipp i, Medical debt is exclud ed however only when due to a government entity ( ie-county hospital ). This debt is from a privately owned XXXX XXXX XXXX and was assigned to a collections agency at 60 days. The judgment issued is for XXXX different XXXX , which they rolled into XXXX . I attended the court hearing and brought up the statue of limitation and also questioned debt collector on the agreements for the debt, which they did not have. The judge allowed a continuance for the debtor and I will have to attend court again o n XX/XX/XXXX . The ju dge said medical debt is not subject to the statue of limitations, however I have also attached a letter from the attorney general which provides proof that this debt is invalid. I would like to file a FDCPA complaint
06/23/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Public record information inaccurate	MS 393XX	Web
In accordance with the Fair Credit Reporting act Ch. 13 : Account # XXXX, has violated my rights. DISPUTED XXXXInaccurate information In accordance with the Fair Credit Reporting act Ch. 7 : Account # XXXX, has violated my rights. DISPUTED XXXXInaccurate information In accordance with the Fair Credit Reporting act XXXX XXXX, has violated my rights . DISPUTED XXXXInaccurate information In accordance with the Fair Credit Reporting act XXXX XXXX XXXX, has violated my rights. DISPUTED XXXXInaccurate information 15 U.S.C 1681 section 602 A. Accuracy and fairness of credit reporting. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2. It also states a consumer reporting agency can not furnish an account without my written instructions. References : htt ps : //www.consumer.ftc.gov/sites/default/files/articles/pdf/pdf-0111-fair-credit-reporting-act.pdf
11/03/2021	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	MS 395XX	Web
on XX/XX/2021, usps certified mail # XXXX XXXX XXXX XXXX XXXX ; XXXX # XXXX XXXX XXXX XXXX XXXX, i sent south mississippi collection services letters about the alleged debts of ; XXXX ; XXXX ; and XXXX that I don't owe.I haven't heard from them concerning this matter for over 90 days, my first response was XX/XX/2021, which is a violation also.the law states in 15bUSC 1692E ( 2 ) The false representation of ( A ) the character, amount, or legal status of any debt ; or ( B ) any services rendered or compensation which may be lawfully received by any debt collector for the collection of a debt. i DO NOT OWE this alleged debt and it needs to be deleted from my credit report before I get a credit counsel
06/20/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	TX 75180	Web
Hello and thanks for your response. In your response you stated your office has spoken with me multiple times which is not true. May you please attach documentation of me calling your office and speaking with anyone in regards of a debt that I do not owe. I again do not stay in the state of Mississippi. This is going against many violations and I would love to see some supporting documentation. This debt is causing me distress and stopping me to provided for my children. Hopefully we can resolve the matter. The debt is from the following dates XXXX, XXXX2019 and XX/XX/2019 in the amount of {$590.00} and $ XXXX {$2500.00}.
07/04/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	UT 84606	Web
I found out about an alleged debt through my credit report, but there was never any written communication or phone call from XXXX XXXX XXXX ( original creditor ) notifying me that something was pending or from South Ms Collection. Even though the amount is small and wanting to clear my history, I paid that supposed {$14.00} debt almost 1 month ago. To date, XXXX XXXX XXXX has not deleted the amount from my history. I was the one who sought to contact both the original creditor and the collection. What I require is that the debt be erased from my history once and for all.
07/13/2021	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	MS 39501	Web
on XX/XX/2021, i sent South Mississippi Collection Service Inc letters regarding the alleged debts of {$150.00} and XXXX that i don't owe. i didn't get any respond from them which is a violation, so i sent them another letter on XX/XX/2021 asking for the validity of the alleged debts, in which i haven't received anything from them. i am asking for these inaccurate tradelines be deleted from my credit report because its damaging my credit and causing me great stress.
05/18/2022	Yes	Debt collection Other debt	Threatened to contact someone or share information improperly Contacted your employer	MS 39452	Web
South Mississippi Collection Agency has already been asked once before not to call my work. Today XX/XX/22 XXXX called again after being asked not to. She was also asked to contact me after school which she clearly isnt doing. No voicemail is ever left for me to know who is calling. This collection agency has poor methods and is very rude. The time I did tell her not to call she hung up on me. Something needs to be done about their ridiculous use of business.
03/08/2018	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	MS 39501	Web
This month, XX/XX/2018, a Medical Debt Collection Account by South Mississippi Collection Services , INC posted to my Credit Reports. My credit report shows that this Collection Account was opened in XX/XX/2018 with a late amount of {$64.00}. Per the Fair Debt Collection Practices Act ( FDCPA ), I WAS NOT notified of this debt to allow me to dispute its accuracy. By my LAWFUL RIGHTS, I am requesting a DEBT VALIDATION of this Collection Account.
08/20/2021	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	MS 39501	Web
on XX/XX/2021, i sent South Mississippi Collection Service Inc letters for some alleged debts of : {$550.00} and XXXX $ that i don't owe in which they never responded so i sent a letter on XX/XX/2021 requesting the validity of the debts that they are reporting on my credit. i sent the letters off XXXX certified mail w/tracking # XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX
09/21/2021	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	MS 39452	Web
I tried contacting them on XX/XX/XXXX to pay this in order to get it deleted from my credit. They refused so I called the originator of the debt and that was when I found out that they returned this debt to the originator in XXXX as uncollectable, yet they are still reporting it on my credit report when they do not own the debt. This is why they couldnt delete it, because they do not own it.
12/27/2022	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	MS 39532	Web
My complaint is included in the document attached. I am seeking monetary relief and deletion of accounts on my credit report due to unfair debt collection practices ( South Mississippi Collections ), inaccurate and incomplete credit reporting, consumer reporting agencies ( XXXX and XXXX XXXX ) not using reasonable procedures to certify the information being furnished to my credit report.
07/31/2021	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	MS 395XX	Web
on XX/XX/2021, i reponded to south mississippi collection services, inc with letters for some alleged debts of XXXX, and XXXX that i do not owe nor have relations with and i asking for assistance in resolving this matter.They have neither responded with me since i sent the letter off by certified mail with return receipt tracking # XXXX and i have attacked a copy for my record.
09/21/2020	Yes	Debt collection I do not know	False statements or representation Attempted to collect wrong amount	MS 395XX	Web
on the XXXX of XXXX, i notice some collections from SOUTH MISS COLLECTION ON MY CREDIT REPORT WITH ALLEGED BALANCES OF:XXXX, AND XXXX THAT I DO NOT OWE.I SENT THEM 3 LETTERS ON XX/XX/2020 REQUESTING FOR INFORMATION CONCERNING THOSE DEBTS.I HAVEN'T RECEIVED ANY AS OF YET AND I ALSO ATTACHED COPIES BELOW.
01/09/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	MS 39402	Web
This medical collection is a result of fraud and XXXX has failed to block/delete this collection for the credit file within four business days of receiving the FTC identity theft report. XXXX has also failed to show proof that this medical collection is legitimate. Please see the attached documents.
07/07/2020	Yes	Debt collection I do not know	False statements or representation Attempted to collect wrong amount	MS 39503	Web
i seen this negative item on my credit report on XX/XX/2020 and sent SOUTH MS COLLECTIONS a letter on XX/XX/2020, asking them to verify the alleged debt or balance of {$2100.00}. the letter is attached to the complaint and the US CERTIFIED MAIL RECEIPT XXXX XXXX XXXX XXXX XXXX
04/06/2022	Yes	Checking or savings account Checking account	Closing an account Fees charged for closing account	MS 39503	Web
XXXX XXXX i received a letter from South Mississippi collection service inc for the amount of $ XXXX have no knowledge of this account.This debt collectiion was sent to the SOUTH MISSISSIPPI COLLECTION SERVICE on XXXX/XXXX/2021 for the amount of {$230.00}
06/12/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	TX 75227	Web
I've tried to fix the problem through the company that is trying to collect the debt. I live in XXXX, Texas I do not live in Mississippi, this debt date that was opened is : XX/XX/2019. I've lived in Texas for 5 years. This is wrongful reporting.
07/07/2020	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	MS 395XX	Web
i sent a dispute letter to south ms collection on XX/XX/2020 for an alleged debt of XXXX that i don't owe to Ms. XXXX XXXX .I have attached the letter to the complaint of the information that I am asking to resolve this problem.
07/07/2020	Yes	Debt collection I do not know	False statements or representation Attempted to collect wrong amount	MS 39503	Web
i notice a collection on my credit report and sent out a dispute for the alleged debt of XXXX $ on XX/XX/2020 to south ms collection Attn : XXXX XXXX XXXX with the letter attached to the complaint for further information.
06/12/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	TX 75227	Web
I tried disputing through the credit B, then through the creditor. I am currently living in XXXX, Tx and this debt is owed in Mississippi. Dates the debt was opened : XXXX XXXX, disputed with no response.
07/10/2021	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 Investigation took more than 30 days	MS 395XX	Web
I filled a dispute in regards to the incorrect items on my credit report and it has been well over thirty days and I have not received any investigation results.
01/16/2023	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	AZ 85018	Web
I don't know anything about this company or what's owed
12/22/2023	Yes	Debt collection Medical debt	Communication tactics Frequent or repeated calls	AL XXXXX	Web

12/18/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	MO 644XX	Web	Servicemember

09/04/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	MS 39581	Web

08/31/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	MS 39581	Web

07/02/2022	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened to sue you for very old debt	MS 39503	Web

05/10/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	MS 39503	Phone

02/24/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	MS 39503	Web	Servicemember

11/11/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	MS 39581	Web

08/17/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	MS 39507	Web

11/28/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	CA 92545	Web

08/28/2020	Yes	Debt collection Medical debt	Threatened to contact someone or share information improperly Talked to a third-party about your debt	MS 39452	Web

01/02/2020	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	AL 36575	Phone	Servicemember

12/04/2017	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Sued you without properly notifying you of lawsuit	TN 37849	Web

02/11/2017	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	MS 39553	Web

12/16/2016	Yes	Debt collection Medical	Disclosure verification of debt Right to dispute notice not received	TX 77705	Web

12/16/2016	No	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	MS 39501	Web

06/28/2016	No	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	MS 39501	Web