Specialized Collection Systems, Inc. CFPB Complaints

2000 Latest Complaints

Date Received	Timely Response	Product	Issue	State / Zip	Submitted Via	Tags
06/04/2022	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 77469	Web
I XXXX XXXX am a person, non-adverse, non-belligerent, non- combatant party and executer with full life. I am in possession of my credit reports with your voluntary submission of alleged account in question. As you keep reporting the alleged account verified and accurate. I herby dispute this alleged account in its entirety and request the removal of it from my consumer report. This letter also constitutes as a cease and desist, for you Specialized Collection Systems INC to stop all attempts at collecting this alleged debt owed to you. This letter is addressing XXXX, XXXX, XXXX and you the direct data furnisher of this subterfuge. Specialized Collection Systems INC must herein provide a true and certified original copy of the complete audit trail under penalties of perjury of said account, pursuant to 15 USC 1692g of FDCPA. Furthermore in order for Specialized Collection Systems INC to validate this debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P, IFRS, in accordance with BASEL3 and U.N.C.I.T.R.A.L. Conventions. I will also need a certified copy of the original contract with my wet ink signature between me and Specialized Collection Systems INC. Providing that Specialized Collection Systems INC is the holder in due course of the original debt contract and a certified original copy of your Tax Registration Certificate. I also request the following documentations listed bellow to be certified and sent with your response. Full accounting for this account Copy of the assignment of purchase from the creditor Every charge and what was purchased, fees, payment, credit, interest paid ) How you calculated what you claim I owe Full chain of assignment from charge off to present Proof that you own the debt with full clear title Proof that you were on the original contract All should be certified and presented to me with a certificate of testimony that the allege account is 100 % accurate and belonging to me. I also request certified testimony that your company, branches, and or offices were in full compliance with the FCRA and all of its mandated rules when it comes to reporting accurately. Please also provided certified testimony on how you validated this debt to all credit reporting agencies and any and all third party reporting agencies you have reported to. ( Fields v. Wilber Law Firm Coppola v. Arrow Financial Services ) ( 73 Am Jr. sect. 93 ) & Gearing v. Check Brokerage Corporation ) Also you have committed the following FDCPA Violations : 806. Harassment and abuse 807. False or misleading representations 808. Unfair practices 809. Validation of debts If you can not provide me with each and every item listed above then you must remove this account from all three of credit reports immediately according to the FDCPA. If you verify this inaccuracy for the credit bureaus without providing me with all of said listed items you are in violation of the law, which carries a fine of {$1000.00} per violation. Any communications not received by certified mail under the Penalties Of Perjury will be refused for course without dishonor and defective upon its face. Failure to substantiate the claim under Penalties Of Perjury, please settle this account immediately within ( 15 ) days. Notice To Agent notice to principal All Rights Reserved Without Prejudice U.C.C 1-308
01/17/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	TX 77449	Web
I have written to Specialized Collection Systems several times, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, asking them to CEASE and DESIST all reporting and collection notice. They never did. They are still reporting this information to the credit agency ( ies ). I received letters from XXXX dated around XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, supposedly in response to my earlier demand notices. They all were UNRESPONSIVE to my demand and the alleged debt remains UNVALIDATED. They're response was simply the 30 days time frame has expired, and they do not have a duty to answer my request for validation. Pay them. I don't recall them communicating with me other then when it showed up on my credit report. However, as a consumer I never wave my rights to requested validation or verification of any alleged debt that someone is saying I owe them. 15 USC 1692g ( c ) states : The failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer. I have never done business with or given Specialized Collection System permission to access any of my personal and private information. Nor did I give them permission to place inaccurate, erroneous, and damaging information on my credit report. I also have serious concerns and a big problem with a company ( that is not a covered entity by HIPPAs standards ) have access to my personal information and could gain private medical information by purchasing debt. According to HHS.gov, and HIPPA- The covered entity may perform this payment activity directly, or may carry out this function through a third party, such as a collection agency, under BUSINESS ASSOCIATE AGREEMENT. They refuse to provide me with the information I requested some of that information will tell me who they are and that they have authority. They can be anyone, ( which is how I see them ) typing something up and saying I owe them money. XXXX, also sent with there letters, several copies of documents seemly invoices with different medical entities names on them. However, I noticed one of the alleged invoices had their name ( SCS ) as the alleged company that rendered medical services supposedly to me. WHAT? 15 USC 1692j ( a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. ( b ) Any person who violates this section shall be liable to the same extent and in the same manner as a debt collector is liable under section 1692k of this title for failure to comply with a provision of this subchapter. Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], all reference to this account must be deleted and completely removed from my consumer file, and a copy of such deletion request shall be sent to me immediately. I have requested XXXX to CEASE and DESIST all reporting and collection notice.
05/25/2022	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	TX 77340	Web
XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Specialized Collection Systems INC Account Number : XXXX To XXXX XXXX XXXX : This letter is being sent to you in response to your recent letter. This is not a refusal to pay, but a notice that your claim is disputed. Under the Fair Debt Collections Practices Act ( FDCPA ), 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, the date of the alleged medical service, the name of the patient, and proof that there is some contractual obligation which is binding on me to pay this debt to Specialized Collection Systems INC. Please attach copies of any agreement with your client that grants you the authority to collect on this alleged debt, or proof of acquisition by purchase or assignment, and authorization under subtitle D of the ARRA, SEC. 13401. APPLICATION OF SECURITY PROVISIONS AND PENALTIES TO BUSINESS ASSOCIATES OF COVERED ENTITIES ; and SEC. 13407 ( 1 ) BREACH OF SECURITY. The term breach of security means, with respect to unsecured PHR identifiable health information of an individual in a personal health record, acquisition of such information without the authorization of the individual. Please note that enforcement of penalties against you is covered under the penalty rules of the Omnibus Final Rule effective XX/XX/XXXX interpreting and implementing various provisions of the XXXX XXXX XXXX for Economic and Clinical Health Act of XXXX ( HITECH Act ) as issued XX/XX/XXXX and the penalty rules of the FCRA and FACTA including FACT Act changes final rules effective XX/XX/XXXX. Please also attach copies of any agreement that bears the signature of the alleged debtor wherein he or she agreed to pay the creditor and as this is a medical account a copy of any HIPAA authorization. Please also be advised that this letter is not only a formal dispute, but a request that you cease and desist any and all collection activities, including reporting of ; or verifying of this account on my credit reports.I require compliance with the terms and conditions of this letter within 10 days, a complete withdrawal, in writing, of any claim. In the event of noncompliance, I reserve the right to file charges and/or complaints with the OCR on your HIPAA violations and appropriate County, State & Federal authorities, the CFPB, XXXX and State Bar associations for violations of the FDCPA, FCRA, and Federal and State statutes on illegal collection activities on any account that may be time- barred as well as in violation of Texas medical privacy rules.vI also hereby reserve my right to take private civil action against you to recover damages. Sincerely, XXXX XXXX
01/17/2022	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 77449	Web
I have reached out to XXXX regarding erroneous, and unvalidated information from 3 collection agencies, 1 of which has since stop reporting on it's own after I asked the company to validate the alleged debt. The two remaining collection agencies are XXXX XXXX and Specialized Collocation Systems have yet to validate their alleged accounts. I have never given XXXX Associates nor Specialized Collection Systems permission to receive, collect, nor furnished any of my personal information and private information to any agency ( ies ) or person. XXXX seems to be violating the law. 15 USC 1681b Permissible Purpose of Consumer Report. ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. XXXX stated that they investigated the alleged accounts and it was verified, and will not reverify the alleged accounts. I wrote XXXX again requested information regarding their investigation in XXXX, XXXX. As of now XX/XX/XXXX I have not receive the requested answers to my questions regarding the validation of those 2 alleged accounts. 15 USC 1681 a 2 ( a ) ( i ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report.
09/11/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	TX 77406	Web
As of XX/XX/2022 without prior notice in writing to me, consumer ; I am not 100 % percent sure if this account belongs to me. I also read something called the Fair Credit Reporting Act where it said by law, I had rights to challenge anything I am not sure is accurate. XXXX and Specialized Collection Systems are you familiar with something called 15 U.S.C. Sec. 1681i ( a )? I heard that if you cant provide proof, account XXXX XXXX XXXX XXXXXXXX alleging {$13000.00} is owed, the account must be deleted. I want this account deleted if it not 100 percent right, verified, validated and correct. By law you have 30 days to complete this investigation. Said investigation must have proof of contract, with my wet ink signature to include proof showing a power of attorney that I granted XXXX XXXX XXXX consent to share my personal information to third party debt collectors and Specialized Collection Systems . Account Name : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Please investigate every piece of information for this account. If it's not accurate, please remove it from my credit report.
05/28/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 77346	Web
Specialized Collection System, INC. violated my rights as a consumer according to the FDCPA. They violated my rights due to the laws listed below : 15 U.S.C 1681 section 602 A states i have the right to privacy. 15 U.S.C 1681 Section 6042 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1692C states without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. On XX/XX/2022, XX/XX/2022, and XX/XX/2022 ; i received a call from Specialized Collection System , Inc. trying to communicate with me in an attempt to collect a debt. In which, the phone calls i received violated my rights as a consumer.
06/08/2023	Yes	Debt collection Medical debt	Communication tactics Frequent or repeated calls	TX 77339	Web
XXXX/XXXX/2023 The company Specialized collection Systems Inc contacted me leaving me a voicemail specifically saying Hello this is SCS Inc. with a message this message is from a debt collector please visit us online at XXXX forward/patient or call us at XXXX thank you and have a nice day please listen for a reference number XXXX I went to the website put personal information in to find out the debt I owed And it site said I owed XXXX I checked my medical insurance and and confirmed I did not owe or have medical debt. I came to the conclusion that I was scammed I didnt not pay the company any money The information I gave the company to find out the debt My date of birth My last name My email My zip code And last 4 digits of my social I already contacted an attorney in Texas filing a complaint on this company
07/09/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	TX 77041	Web
XXXX, Under the Health Insurance Portability and Accountability Act ( HIPAA ), I am allowed to protect my privacy and medical records from third parties. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that the HIPAA does allows the release of limited information about me but anything more is to only be revealed with the patients authorization. Therefore, my request is twofoldvalidation of debt and HIPAA authorization. Please provide breakdown of fees including any collection costs and medical charges. Provide a copy of my signature with the provider of service to release my medical information to you. *Cease any credit bureau reporting until the debt has been validated by me.
09/07/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	WA 98056	Web
In accordance with the fair credit Reporting act XXXX Account # 12345, has violated my rights. 15USC 1681 Section 602 states I have the right to privacy. 15USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15USC 166B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. XX/XX/XXXX - XX/XX/XXXX XXXX XXXX XXXX {$45.00} XX/XX/XXXX XXXX XXXX {$710.00} XX/XX/XXXX Specialized Collection {$730.00} XX/XX/XXXX - XX/XX/XXXX XXXXXXXX XXXX XXXX {$2800.00} XX/XX/XXXX XXXX XXXX {$2200.00} These dates and any other improper use of reports sent out against me was and is direct violation of my right which is illegal.
02/24/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	TX 77060	Web	Servicemember
Specialized Collections Systems. INC. is attempting to collect an alleged debt of {$17.00} After the alleged debt has already been paid in full to the original creditor XXXX XXXX XXXX on XX/XX/XXXX ( Receipt Attached ). I did not receive a letter from Specialized Collections Systems. INC. until XX/XX/XXXX nearly a week after the debt was paid to the original creditor. Their notice was sent to me after the original creditor was paid. A debt dispute letter was sent to Specialized Collections Systems. INC. via USPS certified mail ( attached ) on XX/XX/XXXX along with a copy of the Receipt showing the debt was paid in full. Disclaimer : This information does not show I agree to the validity of the alleged debt being claimed against me.
02/09/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	KY 40601	Web
The debt was accrued in XXXX. Bankruptcy discharge happened in XX/XX/XXXX. This debt was listed as a discharged debt and was even removed from my credit report. Then on XX/XX/XXXX, this debt collector placed itself as an open collection account, even commented it was a bankruptcy account. This falls under illegal debt collection under bankruptcy protection. This was done in spite to hurt me as a consumer, 5 years after the debt was removed. Section 524 title 11 shows this as a bankruptcy discharge violation and illegal attempts to collect a debt. They had zero reason to place a collection on my credit report and was only done so maliciously.
03/08/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	MO 641XX	Web
To whom this may concern, After checking my credit report I found a error of a medical bill collection, after discovering Hippa Law was being violated I had to write for help, I contact the collection agency and they send me a letter of verification but it was a letter of the procedures I had done the letter clearly stated they type of XXXX I had and how much it cost that is clearly a violation plus the original creditor is XXXX XXXX XXXX they was suppose to abbreviate XXXX so they released too much of my medical information doing so, so may I please get help with this
10/16/2022	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened to sue you for very old debt	TX 77581	Web	Servicemember
Several written requests were sent to this company demanding hippa release, proof of license to collect in my state, proof that alleged debts are transferable etc. No reply was ever received. Further more, debts have exceeded statute of limitations but collector Keeps ILLEGALLY resetting the date. Original accounts are over 7 years old. They refuse to delete from my credit report and refuse to provide requested information. Letter was sent over 90 days ago with no reply. Proof of written request attached.
01/27/2023	No	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 77545	Web
Specialized Collections is reporting multiple inaccurate collection accounts on my credit reports. I am not familiar with these accounts and have reached out to them to get documents concerning these accounts as well as validation of debt to resolve this issue. I have not heard anything back from them and I know that per the consumer laws it is illegal for them to ignore my request to dispute this information. These accounts should be deleted from my account now!
06/17/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	TX 77024	Web
In 2019 I experienced a robbery where my purse was stolen with all of my credit cards money, birth certificate passport ID and Social Security was inside. A police report was filed and ultimately it appears there was identity theft as a result. I do not owe this debt and I AM not an individual who has done business with this company. I need your assistance in mediating the possible rectification of this error
02/12/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	TX 77082	Web
I have sent several letters to dispute this item and no response. The first letter sent was a Hipp letter on XXXX and no response or removal. I sent a failure to respond XX/XX/21 no response and it is still on my credit report as of now. The amount of the account is XXXX and still not response on this account that should be removed by now after several attempts.
05/22/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	TX 77581	Web
I started to receive debt collections and notice on a debt I wasn't aware of. XXXX XXXX never sent a statement or called me about the balance. I don't mind paying the balance and would have paid it if I knew about it. I want this collections off my credit report.
11/16/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	TX 774XX	Web	Servicemember
This is a medical debt, starting XX/XX/XXXX this debt will have to be removed as it is below the {$500.00} threshold. I am hoping you will request that they remove now since we are so close to the XXXX of the year
03/10/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 77026	Web
I am a victim of identity theft. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX
03/12/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	TX 77407	Web
Shock to see this at my credit report is case of identity theft and fraud. they steel my information and report debt which i never know about. I have never contacted them for any service.
12/16/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	TX 77469	Web
A collection agency is trying to collect a debt I don't owe.
10/15/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 77379	Web
I don't recognize this company or any balance owed
09/13/2023	No	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 77007	Web

08/22/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	TX 77450	Web

08/22/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	TX 77450	Web

08/22/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	TX 77450	Web

08/05/2023	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	TX 77098	Web

06/06/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	LA 70582	Web

03/10/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 75226	Web

02/13/2023	Yes	Debt collection Medical debt	Communication tactics Called before 8am or after 9pm	TX 77077	Web	Older American

02/10/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 77040	Web

02/02/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 77089	Web

11/09/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 77267	Web

08/31/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	TX 77065	Web	Servicemember

08/25/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	TX 77032	Web

08/15/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 77581	Phone

07/22/2022	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 77082	Web

07/11/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 77066	Web

07/11/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 77066	Web

06/23/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	TX 77389	Web

05/28/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TX 77083	Web

05/28/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	TX 77006	Web

05/24/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	TX 77009	Web

05/23/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Report provided to employer without your written authorization	TX 77407	Web

05/19/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 76227	Web

04/26/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 77035	Web

04/11/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	TX 77520	Web

03/31/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 77095	Web

03/04/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	TX 77077	Web

02/08/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 77031	Web

01/15/2022	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 77083	Web