Midwest Service Bureau Phone Harassment?

If Midwest Service Bureau has contacted you about a medical debt, you may be wondering what they are legally allowed to do. Collection agencies can contact consumers about valid debts, but federal laws limit how they communicate, what they can say, and who they can contact.

This guide covers who Midwest Service Bureau is, consumer experiences, legal concerns, and your rights when dealing with medical debt collections.

Who Is Midwest Service Bureau?

Midwest Service Bureau, LLC is a third-party debt collection agency based in Wichita, Kansas that has operated since 1970 and primarily collects medical debts for hospitals, physician groups, and other healthcare providers. Because it collects debts that a medical provider originally billed, it is a third-party collector, which is exactly the kind of business the federal Fair Debt Collection Practices Act was written to regulate.

Midwest Service Bureau at a glance:

• Company name: Midwest Service Bureau, LLC
• Address: 625 W Maple St, Wichita, KS 67213 (mailing: PO Box 3888, Wichita, KS 67201)
• Phone: (800) 362-0272
• Local: (316) 263-1051
• Website: msbureau.com
• In business since: 1970
• Accounts collected: Medical and healthcare debts
• BBB status: BBB accredited, A+ rated
• Type: Third-party debt collector (covered by the FDCPA)

Notice the tension in that last block. Midwest Service Bureau is BBB accredited with an A+ rating, which many collectors never earn, and it is still the subject of consumer complaints and federal FDCPA lawsuits. One thing our attorneys tell clients often is that a strong BBB rating and lawful conduct on every call are not the same thing, because the rating reflects how a company resolves complaints, not whether an individual call broke the law.

Is Midwest Service Bureau Legit or a Scam?

Midwest Service Bureau is a real, licensed, long-established collection business, not a scam, even though several consumers have said it felt like one. It has operated since 1970, holds BBB accreditation, has a physical Wichita office, and appears in federal court under its own name. In Kansas, collection conduct is governed by the Kansas Consumer Protection Act, which prohibits deceptive and unconscionable practices, so a collector operating openly here is a regulated entity rather than a fraud.

The reason people ask the scam question is understandable. In one recent review, a consumer said the company “did not even verify my information” and left a vague voicemail, which is exactly what a scam call feels like. But as one BBB complaint response from the company explains, collectors intentionally limit voicemail detail to comply with privacy rules, so a bare message is not proof of fraud. The safer takeaway is this: do not give your Social Security number or payment information over the phone to verify a call, and instead demand written validation, which we explain below.

Why Is Midwest Service Bureau Calling Me?

Midwest Service Bureau is almost certainly calling because a hospital, clinic, physician group, or other healthcare provider placed your account with them for collection. Its work is concentrated in medical debt, and the accounts described in complaints trace back to a wide range of providers, including anesthesia groups, diagnostic imaging, medical transportation, and specialty clinics.

A recurring theme in our practice, and in the complaints below, is medical debt that a consumer believed insurance had handled. In many of the cases we review, the balance surfaces years after the date of service, sometimes after the original provider closed or after an insurance claim was never filed correctly. That gap is exactly why written validation matters, because it forces the collector to show what the debt is, who the original provider was, and how the amount was calculated before you pay anything.

Midwest Service Bureau BBB Complaints

Source: BBB profile

Midwest Service Bureau is BBB accredited with an A+ rating, and its BBB profile still shows 10 complaints closed in the last three years, with 6 closed in the last twelve months, nearly all categorized as billing issues. The specific narratives, not the totals, are what matter, and several describe conduct that a consumer attorney would flag.

In a complaint dated July 30, 2025, a consumer said the company sent a text message with a medical bill attached to his twin brother, who shares a similar name and lives in a different state, writing that the collector “must have did a NAME SEARCH but found his name and not mine.” Disclosing a person’s medical debt to a third party is one of the clearest lines the FDCPA draws. We frequently see this exact issue, where a collector’s skip-tracing reaches the wrong person and exposes private medical information in the process.

In a complaint dated March 19, 2025, a consumer disputed a $922 balance tied to Diagnostic Imaging Associates, writing, “I never got a bill from them. They said I owe $922 and I never used them. It has never hit my credit report. I just want proof from them of this bill.” In an April 2026 complaint over a $1,554 anesthesia balance, a consumer described repeated calls “from different phone numbers each time” over a debt the consumer said insurance should have handled before the provider went out of business. When clients come to us about Midwest Service Bureau, the request for written proof that goes unmet is one of the first threads our attorneys pull.

Midwest Service Bureau Reviews From Real Consumers

Midwest Service Bureau has received mixed consumer feedback across major review platforms. On the Better Business Bureau (BBB), the company holds a 1.0 out of 5-star customer rating based on 5 reviews. On ComplaintsBoard, it has a 1.0 out of 5 reputation rating with 10 consumer complaints. While individual reviews do not establish wrongdoing, they can highlight recurring concerns and provide insight into the experiences some consumers have reported.

Source: BBB Reviews

BBB Reviews

1. Callie F. (March 20, 2026)

“I received calls and texts from this company that was from TWO YEARS ago… They are now calling and telling me I can have the bill but I have to call and talk to them first… They did not even verify my information, not that I would give it to them considering I don’t believe they are a real company.”

2. Jennifer B. (July 24, 2023)

“Extremely rude woman who called and discussed a past due medical bill for my husband. They aren’t suppose to discuss someone else’s account… When I requested multiple times to speak to my husband so we can figure out how to get it paid. She said and I’m not joking ‘you guys had since Feb to figure it out!'”

3. Naomi W. (January 22, 2025)

“I told them I could do $20 dollar’s a week and the lady got this degrading, mocking, disgusted… attitude with me and was telling me I have to take the once a month payment plan and nothing else.”

Source: ComplaintsBoard

ComplaintsBoard

1. Difficulty obtaining written validation

“I got lots of calls saying I owed money… They wouldn’t give me anything in writing about the money owed. They just kept talking and talking on the phone.” J. West (Verified Customer)

2. Repeated calls to workplace

“She keeps calling my job, even though she has been told not to… If she continues to keep calling my job, I’m going to get into trouble!” C. Frami (Verified Customer)

3. Refusal to verify debt and payment dispute

“I asked for a bill… They were so rude… I just wanted verification… They refused, threatened me with more action, and said I had to pay… today or not call back until I could pay in full.” I. Botsford (Verified Customer)

Federal Lawsuits Against Midwest Service Bureau

Midwest Service Bureau has been named as a defendant in federal FDCPA lawsuits, including a recent one filed against the current company.

Winfield v. Midwest Service Bureau, LLC, No. 2:25-cv-02365, was filed in the U.S. District Court for the District of Kansas on July 7, 2025, bringing claims under the Fair Debt Collection Practices Act against the company. The docket is available through PacerMonitor, and the full underlying documents require a PACER account.

Earlier, in Haskins v. Midwest Service Bureau, Inc., No. 2:12-cv-02155 (D. Kan.), a consumer brought FDCPA claims against the company in the same federal court, as reflected in the case record by Law360. Our attorneys evaluate a pattern like this carefully: a company that has faced FDCPA claims across more than a decade, while consumers continue to report the same core issues of unverified debts and third-party disclosure. One thing consumers often misunderstand is that a company’s history of lawsuits does not close the door on a new claim, because each consumer who is mistreated has a separate right to sue.

How Midwest Service Bureau Contacts You

The contact patterns consumers describe are consistent. People report vague voicemails with no company name, calls and texts about bills that are years old, and calls placed from different phone numbers on the same account. Reviews and complaints also describe requests for a Social Security number early in the call, and at least one consumer reported a call at 10:00 p.m.

Debt collectors commonly use calls, letters, voicemails, and in some cases text messages. None of those methods is illegal on its own, and we do not assume a violation from one contact. But the FDCPA restricts the timing and the content, and it flatly prohibits sharing your debt with third parties. When calls come after 9:00 p.m., when a medical bill is texted to a relative, or when the amount and the provider cannot be verified, the conduct starts to look like the harassment the law prohibits.

Is This Harassment, and What Are My Legal Rights?

Yes, repeated or improper contact designed to pressure, embarrass, or harass you can be illegal, and you have several overlapping layers of protection.

FDCPA Violations and What They Mean for You

If Midwest Service Bureau violated the FDCPA, they pay your attorney fees, not you. That fee-shifting is written into the statute, and it is why a case like this costs you nothing up front.

Can I Sue Midwest Service Bureau?

Yes. If Midwest Service Bureau violates laws such as the FDCPA, TCPA, or FCRA, consumers may have the right to take legal action. Under the FDCPA, a consumer can recover up to $1,000 in statutory damages per lawsuit, along with compensation for actual damages, attorney fees, and court costs if the case is successful. You do not need to have paid the debt or prove a specific financial loss to qualify for statutory damages.

In many collection cases, the strongest evidence comes directly from the collector’s actions. This may include screenshots of messages sent to the wrong person, call records showing repeated or improper calls, notes about unauthorized disclosures, or copies of written debt validation requests that were ignored. If Midwest Service Bureau engaged in improper collection practices, important evidence may already be available in your records.

How to Stop Midwest Service Bureau Calls

If you want the calls to stop and your rights protected, here is what to do next, in order.

1. Write everything down. Log every call with the date, time, and number, and save voicemails and texts. Note anyone else the collector contacted about your debt. This record is your evidence.
2. Request written validation. Send a debt validation letter demanding proof the debt is yours, the amount, the provider, and any interest added. Do not give your Social Security number or card number over the phone to verify.
3. Send a cease-and-desist if you want the calls to stop. A cease-and-desist letter tells the collector in writing to stop contacting you, and continued calls afterward can themselves be a violation.
4. Check and dispute your credit report. If the account is reporting, dispute any errors with the bureaus so the collector must investigate within 30 days, and confirm any paid medical collection is handled correctly.
5. Talk to a consumer attorney before you pay under pressure. A free case review can tell you whether the conduct you experienced supports a claim, and whether the collector, not you, will end up paying the fees.

CONSUMER RIGHTS LAW FIRM PLLC

Consumer Rights Law Firm PLLC is a law firm that specializes in helping clients who are facing harassment from debt collectors in any form, including telephone communication. Our dedicated team of professionals is ready to assist clients in stopping harassment and protecting their rights. Rather than suffer alone, contact our office to begin the process to stop the Midwest Service Bureau harassment. Our office has been assisting consumers since 2010. We have an A+ rating with the Better Business Bureau, and our team is committed to supporting each client throughout their case.

If you are interested in learning more about how to safeguard yourself and prevent even more harassment from Midwest Service Bureau, call us at (877)700-5790 for immediate assistance or visit our website.

Success Stories

• I had been dealing with debt collection harassment for months and didn’t know my rights. Consumer Rights Law Firm (CRLF) guided me step-by-step, handled all the legal details, and stopped the calls almost immediately. Their team is highly professional and genuinely cares about clients. I’m so relieved I reached out to them!
• CRLF is amazing! From my first phone call, they listened carefully and gave me clear, easy-to-understand advice. They took over the case, contacted the collectors, and within a week, the harassment stopped completely. They even checked in afterward to make sure I was okay. True professionals!
• I can’t thank CRLF enough. The debt collectors were calling me multiple times a day, even at work. CRLF stepped in, knew exactly what to do, and got them to stop. They also helped me understand my rights so I’ll never feel helpless in these situations again. Highly recommended!