Coast Professional, Inc. is a collection agency and contact-center company based in Geneseo, New York. It is one of the private collection agencies the IRS uses for certain overdue tax accounts, and it also collects for colleges, universities and state and local agencies.
- Type
- Collection agency
- Also known as
- Coast Professional, Inc.; COAST PROFESSIONAL, INC.
- Headquarters
- Geneseo, NY
- Collects
- overdue federal tax accounts assigned by the IRS, college and university balances, state and local government balances, municipal utility bills
- Phone numbers it lists
- (800) 231-0225, (888) 928-0510
- Website
- coastprofessional.com
119 debt collection complaints were sent to the Consumer Financial Protection Bureau about COAST PROFESSIONAL, 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 Coast Professional?
Coast Professional, Inc. offers contact-center and debt collection services. Its contact page lists headquarters at 4273 Volunteer Road, Geneseo, New York 14454, with other offices in West Monroe, Louisiana; East Aurora and Perry, New York; and Voorhees, New Jersey. Its toll-free number is (800) 231-0225, with office hours of 8 a.m. to 9 p.m. Eastern Monday through Thursday and 8 a.m. to 4:30 p.m. on Friday. The company says it does not typically communicate with consumers by email.
Coast lists NMLS Consumer Access ID 967350 and says it is SOC 2 Type 2 audited and ISO 9001 certified. We did not find a CFPB enforcement action against Coast Professional.
Why Coast Professional May Be Contacting You
Coast is one of three private collection agencies listed on the IRS's private debt collection page. For IRS accounts, the IRS lists Coast's address as P.O. Box 425, Geneseo, NY 14454 and its phone as (888) 928-0510. Coast's consumer page also mentions balances owed to colleges and universities and to state or local government agencies, such as municipalities and utility providers.
If the contact concerns federal taxes, the IRS says you will receive two letters: first IRS Notice CP40, telling you your overdue account was assigned to a private agency, and then the agency's own initial letter. If you get a call about taxes without having received a CP40, check with the IRS directly before you pay or share any information.
How to Check a Debt Coast Professional Says You Owe
- For a tax account, confirm with the IRS. Match the agency's letter to your CP40 notice, and check the balance and payment options with the IRS itself.
- For a school or government balance, read the validation notice. When the FDCPA applies, it must name the creditor and itemize the balance (15 U.S.C. § 1692g; 12 C.F.R. § 1006.34).
- Dispute in writing within the validation period. For a college bill, ask for the student account ledger and any financial aid that was applied or reversed.
- Ask who holds the account. Confirm the agency or school still owns it.
- Know which clock applies. For ordinary consumer debts, Texas generally allows four years to sue (Tex. Civ. Prac. & Rem. Code § 16.004), and debt buyers can't sue on time-barred consumer debt (Tex. Fin. Code § 392.307). Federal taxes and many government debts follow their own rules, and other states' periods differ.
What Coast Professional Can and Can't Do
An agency collecting consumer debts for others is a "debt collector" under 15 U.S.C. § 1692a(6). Federal law separately requires private collectors working IRS accounts to follow the FDCPA's conduct rules (26 U.S.C. § 6306(g)). Whether a particular school or government balance is a consumer "debt" can depend on how it arose.
- It may not falsely imply that it is the government or that nonpayment will lead to arrest (15 U.S.C. § 1692e(1), (4)).
- It may not call more than seven times in seven days about one account without a presumption of harassment (12 C.F.R. § 1006.14(b)(2)).
- It must stop most contact if you ask in writing (15 U.S.C. § 1692c(c)).
- It may not add collection fees that the law or agreement does not authorize (15 U.S.C. § 1692f(1)).
Read about threats of arrest, or visit our 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 Coast Professional 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
- Coast Professional: home page
- Coast Professional: Contact Us
- Coast Professional: Consumer Access
- IRS: Private debt collection
- CFPB enforcement actions search
- CFPB Consumer Complaint Database: COAST PROFESSIONAL, INC., debt collection
This profile is general information compiled from public sources, not legal advice, and it does not state or imply that Coast Professional has violated any law. Company details change; tell us if something here is out of date.