AMCOL Systems, Inc. is an accounts receivable management company in Columbia, South Carolina. Its online payment portal asks for a patient account number, so a notice from AMCOL often concerns a medical bill.
- Type
- Collection agency
- Also known as
- AMCOL Systems, Inc.
- Headquarters
- Columbia, SC
- Collects
- medical bills
- Phone numbers it lists
- (800) 849-8500
- Website
- amcolsystems.com
80 debt collection complaints were sent to the Consumer Financial Protection Bureau about AMCOL Systems, Inc. from November 13, 2023 to November 12, 2026. A complaint is a consumer's account, not a finding that the company broke the law. Read the complaints in the CFPB database.
Who Is AMCOL Systems?
AMCOL Systems, Inc. is a corporation based at 111 Lancewood Road in Columbia, South Carolina. The Better Business Bureau describes it as "an Accounts Receivable management firm," lists it among collection agencies, and gives December 31, 1984 as its incorporation date. AMCOL also uses P.O. Box addresses in Columbia (29221). Its own website says little beyond the tagline "Working Together. Getting Results." and a link to pay a bill. We did not find a CFPB enforcement action against AMCOL Systems.
Why AMCOL Systems May Be Contacting You
AMCOL's online payment portal asks for the "Patient Account Number" or file number from your last statement. That strongly suggests the accounts it handles are patient balances owed to hospitals, physician groups and other health care providers. The portal is offered in English and Spanish and states that the communication is from a debt collector.
The portal lists (800) 849-8500 for its support specialists and lets you sign up for text messages about your account. If you'd rather not get texts, you don't have to sign up, and you can reply STOP to end them.
How to Check a Debt AMCOL Systems Says You Owe
A medical collection account is only as accurate as the billing behind it. Before paying AMCOL, make sure your insurance was billed correctly.
- Check the validation notice for the provider's name, the date of service and an itemized balance (15 U.S.C. § 1692g; 12 C.F.R. § 1006.34).
- Dispute in writing within the validation period if the bill looks wrong, and ask for the provider's itemized statement and the explanation of benefits showing what insurance paid or denied.
- Call your insurer about any denied claim; a corrected claim or an appeal can shrink or eliminate the balance.
- Ask the hospital about financial assistance. Many hospitals reduce or forgive bills for patients who qualify, even after a bill goes to collection.
- Check the dates. Texas generally allows four years to sue on a debt (Tex. Civ. Prac. & Rem. Code § 16.004), and debt buyers cannot sue on time-barred consumer debt (Tex. Fin. Code § 392.307). South Carolina and other states use different periods.
What AMCOL Systems Can and Can't Do
When AMCOL collects patient balances owed to its clients, it is a "debt collector" under 15 U.S.C. § 1692a(6).
- A licensed Texas health care facility must send an itemized bill before pursuing collection; see Texas SB 490.
- The three national credit bureaus have voluntarily stopped reporting paid medical collections and medical collections under $500; see our note on medical debt reporting.
- Any texts it sends count toward Regulation F's rules, and you can opt out of texts at any time (12 C.F.R. § 1006.6(e)).
- It may not falsely represent the amount of a debt (15 U.S.C. § 1692e(2)(A)).
If you believe AMCOL crossed the line, see our Texas FDCPA attorneys page.
We Sue Debt Collectors That Break the FDCPA
Texas Debt Law files Fair Debt Collection Practices Act lawsuits against debt collectors in federal court for consumers in Texas, California, Illinois, Georgia and Colorado. If AMCOL Systems or anyone collecting for it harassed you, misstated what you owe, threatened action it could not take, or told others about your debt, you may have a claim. A court can order a collector that violated the FDCPA to pay your actual damages, up to $1,000 in additional statutory damages, and your attorney's fees and costs (15 U.S.C. § 1692k(a)). An FDCPA claim generally must be filed within one year of the violation (§ 1692k(d)), so keep your letters, call logs, voicemails and screenshots, and talk to us early. Texas residents may also have claims under the Texas Debt Collection Act. Learn more from our FDCPA attorneys.
Free FDCPA Case Review(214) 851-2250
Or start your free case evaluation online. No lawyer can promise a result; every claim depends on its facts and proof.
Sources
- AMCOL Systems: home page
- AMCOL Systems: payment portal
- BBB business profile: AMCOL Systems, Inc.
- CFPB enforcement actions search: AMCOL
- CFPB Consumer Complaint Database: AMCOL Systems, Inc., debt collection
This profile is general information compiled from public sources, not legal advice, and it does not state or imply that AMCOL Systems has violated any law. Company details change; tell us if something here is out of date.