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Senex Services Corporation is a third-party collection agency based in Indiana that specializes in collecting delinquent accounts for healthcare providers. Senex has received consumer complaints alleging violations of the Fair Debt Collections Practices Act (FDCPA), including failing to provide verification of debts and attempting to collect debts not owed. If you have been contacted by Senex about past due financial obligations, make sure you understand your rights before responding.
According to the Better Business Bureau (BBB), Senex Services Corporation is a legitimate collection agency founded and incorporated in Indiana in 1998. The BBB opened its file 10 years later in May 2008. Buzzfile estimates Senex’s annual revenue at $7 million and the size of its headquarters staff at 40 people.
According to its website, Senex “outperform[s]…competitors and consistently exceed[s]…expectations” by using “a proprietary approach and highly specialized in-house staff to efficiently and compassionately work with…patients.” Senex states its mission as providing “hospitals with collection services while preserving their community reputation through compassionate collections.”
Senex offers a “full suite of medical collection services; web-based and phone-based payment systems; proprietary analytics developed from over 15 years of historical data;…call quality assurance program;…and compliance with HIPAA, FDCPA, FCRA, TCPA, UDAAP, ECOA and Regulation E.”
The Senex website is completely client-facing. Although it states a policy of compliance with major regulatory laws, Senex employs an in-house third-party collection staff and appears to rely on self-monitoring and internal oversight for compliance audits. The Pay My Bill link at the top of the home page leads to a payment portal for consumers that includes links to Ask Doctor Debt and Money Matters, but there are no external links, references, or specific details about consumer rights under the FDCPA or similar laws.
In the past three years, the BBB has closed 70 complaints against Senex Services Corporation, with 21 closed in the past twelve months. The majority of complaints alleged problems with billing and collections. Since April 2015, the Consumer Financial Protection Bureau (CFPB) has closed 50 complaints against Senex, and Justia lists at least 10 cases of civil litigation naming Senex as a defendant.
It is illegal for a debt collector to threaten to sue you or garnish your wages. It is also unlikely Senex 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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Senex Services Corporation
3333 Founders Road, Second Floor
Indianapolis, IN 46268
Telephone: (317) 613-3000
Absolutely. Here are some Sample Complaints
Many of the complaints received by the BBB and the CFPB about Senex involve allegations of inaccurate credit reporting, inability to provide verification of debts, and poor customer service. In June 2017, a complainant indicated that Senex had reported inaccurate information to the credit reporting agencies. The complainant indicated that he had already disputed the debt with Senex, and the charge was for a visit to a hospital the complainant had never attended for services he had never received. He also indicated that Senex had failed to provide accurate verification of the debt. The complainant requested that Senex remove the negative information from the complainant’s credit report, which had been negatively affecting his quality of life. In July 2017, a complainant requested validation of a debt or to delete the information from the credit reporting agencies’ files. The complainant then reported having received a bill with HIPAA-protected information. Finally, in January 2017, a complainant indicated that she had called Senex a little after 6pm, which was within their stated business hours of 8am through 8pm.The call in question was placed “concerning a conversation…with another rep [resentative]” who had promised to send out documentation concerning an account balance that the complainant had not received. The complainant was connected to a woman who was “so rude and nasty all she wanted to do was get me off the phone… and then she stated that the phone would be hanging up…in a min[ute] but if I was calling to pay them some money she” would continue the call.
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.
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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Chances are good that we can help. Call us today and we’ll explain.
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