Dynamic Collectors: Who They Are and Your Rights

Type

Collection agency

Also known as

Dynamic Collectors, Inc.; Dynamic Collectors Incorporated; DCI

Headquarters

Chehalis, WA

Collects

hospital bills

Phone numbers it lists

(800) 464-3457, (877) 418-3190

Website

dynamiccollectors.com

30 debt collection complaints were sent to the Consumer Financial Protection Bureau about Dynamic Collectors, Incorporated 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 Dynamic Collectors?

Dynamic Collectors, Inc. (DCI) says it has provided debt recovery services throughout Washington since 1990 and is locally owned and operated. Its website describes the company as a Chehalis, Washington business with a team of client service representatives, collectors and legal personnel. The site lists the states where it is licensed: Washington, Oregon, Idaho, Utah, Montana and Alaska.

Consumers with questions about an account are asked to call (800) 464-3457 during business hours; the contact page says consumers will not get email replies. Businesses use a separate client line, (877) 418-3190. We did not find a CFPB enforcement action against Dynamic Collectors.

Why Dynamic Collectors May Be Contacting You

DCI's clients include hospitals. A testimonial on its site from a hospital finance executive says Providence Centralia Hospital and Mark Reed Hospital in McCleary used the agency almost from its start in 1990, and other testimonials come from local businesses and offices. One client testimonial says DCI sends a courtesy pre-collection letter before an account goes into full collection.

So a DCI letter will often concern a hospital or clinic bill, or an unpaid account with a local business. If the first letter you receive reads like a reminder rather than a collection notice, ask DCI whether the account has actually been placed for collection yet.

How to Check a Debt Dynamic Collectors Says You Owe

With hospital accounts, the question is often not whether you were treated but whether the balance is right after insurance and any charity care.

• Review the validation notice. It must identify the hospital or business and break down the balance (15 U.S.C. § 1692g; 12 C.F.R. § 1006.34).
• Dispute in writing within the validation period and ask for an itemized bill with dates of service, plus a record of insurance payments and write-offs. See how to dispute a debt.
• Ask the hospital about financial assistance. Many hospitals offer charity care or discounts that can apply even after a bill is sent to collection; ask whether you were screened.
• Find out whether there is a judgment. If DCI already has a court judgment, the response is different from a simple collection letter.
• Check the age of the bill. In Texas, suits on most consumer debts must be filed within four years (Tex. Civ. Prac. & Rem. Code § 16.004), and debt buyers may not sue on time-barred consumer debt (Tex. Fin. Code § 392.307). Washington and other states have different rules.

What Dynamic Collectors Can and Can't Do

An agency collecting hospital and business accounts owed to others is a "debt collector" under 15 U.S.C. § 1692a(6). That means:

• Paid medical collections, and medical collections under $500, no longer appear on reports from the three national credit bureaus. See medical debt credit reporting changes.
• It cannot call you more than seven times in seven days about one account (12 C.F.R. § 1006.14(b)(2)).
• It cannot contact you at work if it knows your employer prohibits those calls (15 U.S.C. § 1692c(a)(3)).
• Wage garnishment requires a court judgment and depends on state law; in Texas, wages cannot be garnished for an ordinary consumer debt such as a hospital bill.

If DCI's collection seemed improper, 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 Dynamic Collectors 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

• Dynamic Collectors: home page
• Dynamic Collectors: Contact
• CFPB enforcement actions list (checked pages 1-17)
• CFPB Consumer Complaint Database: Dynamic Collectors, Incorporated, debt collection

This profile is general information compiled from public sources, not legal advice, and it does not state or imply that Dynamic Collectors has violated any law. Company details change; tell us if something here is out of date.