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Puget Sound Collections Inc or PSC is a third-party collection agency based in Seattle. PSC has received complaints alleging violations of the Fair Debt Collection Practices Act (FDCPA), including threatening to take actions that cannot legally be taken and using false or misleading language in an effort to collect a debt. If you have been contacted by PSC, make sure you understand your rights before responding.
According to the BBB, Puget Sound Collections, Inc. was incorporated in 1985 and started in 1987. However, the BBB initially established a profile page for PSC in 1964. PSC is listed as a collection agency. Buzzfile estimates PSC’s annual revenue at $3.4 million and the size of its staff at 30 employees. PSC indicates a founding date for PSC of 1996.
According to its website, PSC is “a professional debt collection agency focused on exceptional client services and highest recovery rates.” PSC has been “headquartered in the state of Washington since 1960… and employs exceptionally well-qualified and experienced staff with expertise in all areas of collection… to deliver… results you want.”
Puget Sound Collections offers collection services in three areas: collections, pre-collections, and pricing. PSC’s collections division offers collection calls and mailings; litigation services when requested by clients; expertise in all applicable laws, including objection handling and negotiations; analytics to determine propensity to pay; account segmentation and workflow based on propensity to pay; credit reporting; account scrubbing; bankruptcy confirmation, claim filing, and follow-up; probate verification, claim filing, and follow-up; online account access for clients; recovery reporting and statistics; and specialized call campaigns.
Puget Sound Collections’ pre-collection first-part accounts receivables management division utilizes pre-collection calls and mailings; payment plan set-up and monitoring; billing notices and renders; and payment processing in the clients’ name or in the name of the PSC affiliate, PayMark Systems. Finally, PSC’s pricing division manages client billing with fixed-rate and flex-rate contingency-based collection plans.
Puget Sound Collections’ mission is “to provide the highest level of customer care.” PSC “strives to make every experience with clients… a positive one” by providing personal service, ethical collections, qualified staff, and customized reporting.
Puget Sound Collections’ FAQ page states that “all…collection activity is conducted in compliance with federal and state law including FDCPA, HIPAA, the ACA PPMS accreditation requirements and red flag rules.” However, their client-facing website does not provide links or references to consumer protection resources, laws, or enforcement agencies.
The BBB has closed 25 complaints against Puget Sound Collections in the preceding three years, with 6 complaints closed in the past 12 months. All of those complaints allege problems with billing and collection services. As of June 2015, the Consumer Financial Protection Bureau (CFPB) has closed 15 complaints against PSC. Justia lists at least 1 case of civil litigation involving Puget Sound Collections.
Absolutely. Here are some Sample Cases against Puget Sound Collections Inc
Complaints against Puget Sound Collections commonly cite problems resulting from failure to verify debts and inaccurate information reported to credit reporting agencies. In January 2017, a complainant indicated that his lender had advised him of 5 delinquent items on his credit report, all of them originating from PSC. The delinquent items were the result of medical services originating in 2013, with a listing date of August 2016. The complainant allegedly contacted PSC to request validation, but for some reason they were unable to verify the debt and referred the complainant to the original creditor. The complainant contacted the healthcare services provider, and they told him he had a $0 balance. The complainant relayed this information to Puget Sound Collections and asked them to remove the items form his credit report. The complainant informed PSC that “it was considered fraud to list inaccurate information with the credit bureaus,” but PSC allegedly continued to refuse to take any action. When the complainant asked PSC why they had never informed him of the delinquency or why he had never received any bills from the medical services provider, PSC allegedly told him it was because they “were not licensed in …his state and were looking to refer …his account to a collections agency in his… state.” The complainant explained that PSC was required “to notify him of the debt and allow him to dispute the debt before they listed negative activity with the credit bureaus.” In addition, he “spoke to 3 different people and all refused to validate the debt or take the negative marks off.” He also sent a letter making the same request. In January 2017, he called them again, asking for the status of his account. Puget Sound Collections allegedly told him it was “listed as disputed.” He asked again for PSC to remove the delinquent items from his credit report, but “they refused once again.” The complainant concluded by stating that “the law states PSC must notify him and allow him to dispute or pay this debt prior to listing it with the credit bureaus. PSC must also be able to prove it’s a valid debt, and cannot list inaccurate information with the credit bureaus.”
In response, Puget Sound Collections indicated that they had “advised the consumer that…PSC could not cancel the charges but…would check with the original creditor to see if they wanted to review their records and have …PSC forward the account to an agency in Texas where the consumer is verified to reside.” PSC confirmed that they coded the accounts as disputed. PSC also indicated they had provided the complainant with “dates of service, billed amounts, amounts due after insurance, and the providers account number to each account while the matter was being researched.” In addition, PSC indicated that according to “the medical provider, the balances showed 0 as they were written off as bad debt accounts for after insurance was billed; … that the… original creditor states that verification of the debt(s) …was mailed to the complainant; and that the reinvestigation shows that the complainant has unpaid charges from 2013.” Finally, Puget Sound Collections indicated that they would “remove the accounts from the guarantor’s credit report while they… review…verification of the debts.”
Puget Sound Collections, Inc.
738 Broadway, Suite #400
Tacoma, WA 98402-3777
Telephone: (800) 922-8932
Understanding Your Debt Collection Rights
The Fair Debt Collections Practices Act (FDCPA) and the Fair Credit Reporting Act (FCRA) are enforced by the Federal Trade Commission (FTC) and the Consumer Financial Protection Bureau (CFPB). The FDCPA regulates the behavior of collection agencies by prohibiting actions such as the use of abusive or threatening language; harassment; or the use of false or misleading information to collect a debt.
The FCRA regulates how collection agencies and creditors report delinquent debts to credit reporting agencies. Additional consumer protection laws include the Telephone Consumer Protection Act (TCPA) and the Consumer Financial Protection Act (CFPA). The complaint above illustrates how these laws can be extremely effective tools to hold accountable collection agencies who fail to adhere to their provisions.
These laws also provide individuals with a means to seek monetary damages in court. For example, the FDCPA allows consumers who have been violated to recover damages of up to $1,000, plus attorney fees and court costs.
Seek legal assistance to find the relief you may be entitled to if you are having difficulty resolving disputes with a debt collection agency.
Consumers have reported this agency harassing them from the following numbers:
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.
We can make them STOP!✋
The Lemberg Law legal team is committed to holding debt collectors accountable, so complete our form for a FREE case evaluation, or call 844-685-9200 NOW. ?
What Our Clients are Saying
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