Debt collection -- Communication tactics -- Complaint #18141206
Complaint Overview
Complaint ID: 18141206
Company: State Collection Service, INC.
Product: Debt collection
Sub-Product: I do not know
Issue: Communication tactics
Sub-Issue: Used obscene, profane, or other abusive language
State: Texas
ZIP Code: 77494
Date Received: 2025-12-04T12:00:00-05:00
Date Sent to Company: 2025-12-04T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Tags: Servicemember
Consumer Narrative
I am filing a complaint regarding deceptive and unlawful practices by a debt collection agency. I received a phone call from a representative who asked me to verify my identity before they would disclose who they were or what company they worked for. When I asked for the name of their company, the caller stated that it was against the law for them to identify themselves unless I verified my personal information first. This is false and violates the Fair Debt Collection Practices Act ( FDCPA ), which requires debt collectors to provide meaningful disclosure of their identity. After the call, I dialed the number back and discovered it was a collections agency. I then called to report how inappropriate the initial conversation was. During this follow-up call, the representative claimed that they can not identify themselves or their employer when calling me because it would violate HIPAA. This is completely incorrect. HIPAA does not prevent a debt collector from stating their name, the collection agency they work for, or the purpose of the call. Their explanation appears to be a deceptive attempt to obtain personal information from me without properly identifying themselves. The agencys conduct constitutes misleading and deceptive communication in violation of the FDCPA. Specifically : They refused to provide meaningful disclosure of the callers identity. They made false statements about the law, claiming it is illegal to tell me who they work for. They falsely invoked HIPAA as a justification for withholding required identification. Their actions appear intended to pressure me into disclosing personal information before confirming the legitimacy of the caller.
Frequently Asked Questions
What is Complaint #18141206 about?
Complaint #18141206 was filed against State Collection Service, INC. regarding Debt collection specifically about Communication tactics. It was received by the CFPB on 2025-12-04T12:00:00-05:00.
How did State Collection Service, INC. respond to this complaint?
The company responded with: "Closed with explanation". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Debt collection) and describe your issue in detail.
Can I see other complaints against State Collection Service, INC.?
Yes, visit the State Collection Service, INC. company profile at readthecomplaint.com/company/state-collection-service-inc to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.