Metro Collection Service or MCS is a third-party collection agency based in Colorado. MCS has received consumer complaints alleging violations of the Fair Debt Collection Practices Act (FDCPA), including improper communication tactics and threatening to take actions that cannot legally be taken. If you have been contacted by MCS, understand your rights before taking action.
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According to the Better Business Bureau (BBB), Metro Collection Service, Inc. is a legitimate collection agency, founded and incorporated in 1989. The BBB established MCS’ profile page in 1992. MCS is listed as a collection agency that offers third-party collection services for commercial clients. Buzzfile estimates MCS’ annual revenue at $1.2 million and the size of its headquarters staff at 13 people.
According to its website, MCS is “a locally owned and operated collection agency.” Metro Collection Service is “licensed by the Colorado Collection Agency Board, and bonded to protect our clients’ funds.” MCS’ goal is to “help solve one of the most frustrating, exasperating problems of…business — bad debt.” As a third-party, MCS is “less hampered by the relationship clients have had with their delinquent customers, and will approach collection in a straightforward, firm manner.”
As a full-service third-party collection agency, Metro Collection Service collects “all types of consumer and commercial debts,” including medical providers such as doctors, dentists, medical offices, and hospitals; property management companies collecting delinquent rent from apartment tenants; banks and credit unions collecting delinquent loans and NSF checks; and retail businesses seeking assistance with accounts receivable and bad checks.
Metro Collection Service does not offer detailed information about its compliance policies, but indicates that it “hires only collectors with extensive experience and full knowledge of all federal and state laws. MCS has a strict code of ethics, keeping our clients’ good reputation in mind.” MCS’ website is client-facing and does not provide references or links to consumer protection resources, laws, or enforcement agencies.
The BBB has closed 8 complaints against Metro Collection Service in the past three years, with 4 closed in the past 12 months. The majority of those complaints allege problems with billing and collections, but there are also complaints about advertising and sales. Since October 2015, the Consumer Financial Protection Bureau (CFPB) has received 16 complaints about MCS. Justia lists at least 3 cases of civil litigation involving Metro Collection Service.
Metro Collection Service, Inc.
2600 S Parker Rd., Bldg. 4, Ste. 340
Aurora, CO 80014
Telephone: (303) 696-6163
It is illegal for a debt collector to threaten to sue you or garnish your wages. It is also unlikely MCS would sue you for a debt you may not owe or they cannot validate. However, debt collection agencies are known to have summoned debtors to court and garnish wages after a default judgement. Contacting an attorney BEFORE this could possibly happen would be a smart move. We’ve helped thousands of consumers fight back against unscrupulous debt collection harassers. Find out if we can help you too today!
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Absolutely. Here are some Sample Cases in Federal Court.
Complaints against Metro Collection Service cite problems resulting from inaccurate documentation and attempts to collect debts not owed. In July 2016, a complainant indicated he had been contacted by MCS for a delinquent bill for a storage unit. The complainant insisted that after closing out the storage unit and moving out his items on the 4th of the month, he paid the remaining balance for the month. He informed the manager he would not be renewing or returning and did not sign any agreements indicating otherwise. He also indicated homeless people occasionally slept in the units. In addition, he had had some items stolen from his unit and had filed a police report. The collection letter and associated documentation from Metro Collection Service indicated some pallets had been left in the unit, and the complainant was concerned that they may be retaliating as a result of his having filed a police report, especially because the delinquency that appeared on his credit report had the wrong date and year. In response, MCS confirmed that they had sent the collection notice to the consumer at the request of the storage facility. They initiated a deletion request with the credit reporting agencies and forwarded his dispute to the storage facility.
In April 2015, a complainant filed a dispute about move-out costs from a property management company. The complainant indicated that the collection notices from Metro Collection Service indicated charges for property damage and cleaning costs that were unsupported and undocumented. Her dispute was dismissed with a vague description of a cleaning bill for carpet stains. Her request to have the charges dismissed was not acknowledged. She also contacted the property manager directly and did not receive any satisfactory reply after supplying documented evidence that she was not liable. Although she indicated she could pay the bill, she insisted she was troubled by the principle of a property management company and a collection agency attempting to force her to pay charges that were obviously fraudulent. In response, MCS agreed to cancel and close the account and request that the credit reporting agencies delete the item from her credit reports.
The Fair Debt Collection Practices Act (FDCPA) and the Fair Credit Reporting Act (FCRA) are federal laws that regulate the collections industry. The FDCPA prohibits actions such as using tactics intended to harass, oppress, or annoy consumers. The FCRA regulates how collection agencies report information to credit reporting agencies. Additional consumer protection laws include the Consumer Financial Protection Act (CFPA) and the Telephone Consumer Protection Act (TCPA). These laws are enforced by federal agencies such as the Federal Trade Commission (FTC) and the Consumer Financial Protection Bureau (CFPB). The complaints above illustrate why it is important to understand your rights and responsibilities under these laws when you are attempting to communicate with collection agencies.
In addition, these laws provide individuals with a means to seek monetary damages in court. For example, the FDCPA allows consumers to recover damages of up to $1,000, plus attorney fees and court costs, in cases proving violations of the FDCPA. Seek legal assistance if you are trying to resolve a dispute with a collection agency.
Your debt harassment checklist:
- You are receiving multiple calls per week from third party collection agencies
- You are receiving early morning or late night calls from debt collectors
- You are receiving calls at work from a debt collection agency
- Debt collectors are calling your friends, neighbors, or coworkers
- Collectors are threatening you with violence, lawsuit, or arrest
- A debt collector attempts to collect more than you owe
- You are being threatened with negative credit reporting
- A debt collector attempts to intimidate you
- Criminal accusations are being made towards you
- Use of obscene language during an attempt to collect
- Automated robocalls are being made to your phone in an attempt to collect
If you’ve been harassed by debt collectors and even one of these has happened to you, we can help. We will fight for your rights.
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