Express Collections, Inc. is a South Dakota collection agency that recovers medical, financial and utility accounts for its clients. If it contacts you, a provider, lender or utility has placed an unpaid account with it.
- Type
- Collection agency
- Also known as
- Express Collections, Inc.
- Headquarters
- Rapid City, SD
- Collects
- medical bills, bank, credit union and lender accounts, utility and municipal accounts
- Phone numbers it lists
- (605) 343-1311, (605) 341-3328, (307) 622-8240
- Website
- expresscollections.com
86 debt collection complaints were sent to the Consumer Financial Protection Bureau about Express Collections, 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 Express Collections?
Express Collections, Inc. is a collection agency at 818 Saint Joseph St., Suite 200, in Rapid City, South Dakota. Its website calls it "a trusted partner in collections management since 1999." Besides the Rapid City call center, it lists a Wyoming call center for sales and collections at (307) 622-8240, and a payment processing office at P.O. Box 9307, Rapid City, SD 57709, reachable at (605) 343-1311. Its sales line is (605) 341-3328.
The company lists memberships and certifications, including ACA International and RMAI certification, and says it is HIPAA and PCI DSS compliant. Its website does not list its state collection licenses.
Why Express Collections May Be Contacting You
Express Collections describes four main service lines:
- Medical collections for healthcare providers;
- Financial collections for banks, credit unions and lending institutions;
- Utility collections for utilities and municipalities; and
- Specialty collections for other receivables.
It also runs "X-Press Demand," a pre-collection program. If you get a short demand letter, check whether it is a pre-collection notice sent for the creditor or a full collection account; the wording and the validation notice should tell you. Consumers can look up accounts through the portal at paymyaccount.net, which the company links from its site.
How to Check a Debt Express Collections Says You Owe
Many accounts at a regional agency like this one come from local clinics, hospitals and city utilities, so the details are usually easy to compare with your own records.
- Find the validation notice and note the dispute deadline. It must identify the creditor and itemize the debt (15 U.S.C. § 1692g; 12 C.F.R. § 1006.34).
- Dispute in writing within that period if you don't recognize the account or the amount. Collection must stop until verification is mailed.
- Medical accounts: ask the provider for an itemized bill and check that insurance was billed. If the provider is a Texas health care facility, it must send an itemized bill before pursuing collection (SB 490).
- Municipal or utility accounts: ask for the service address and final-bill date.
- Old accounts: Texas generally gives a creditor four years to sue (Tex. Civ. Prac. & Rem. Code § 16.004), and a debt buyer can't sue on a time-barred consumer debt (Tex. Fin. Code § 392.307). South Dakota and other states have their own deadlines.
What Express Collections Can and Can't Do
As a third-party agency, Express Collections is a "debt collector" under 15 U.S.C. § 1692a(6). Among other limits:
- It must identify itself as a debt collector in its communications (15 U.S.C. § 1692e(11)).
- It may not call before 8 a.m. or after 9 p.m. your local time unless you agree (15 U.S.C. § 1692c(a)(1)).
- It must honor a written request to stop contacting you, except to confirm it's stopping or give notice of a specific action (15 U.S.C. § 1692c(c)).
- It may not send texts or emails without an easy way to opt out (12 C.F.R. § 1006.6(e)).
Credit bureaus no longer report paid medical collections or medical collections under $500 (details). We did not find a CFPB enforcement action against Express Collections.
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 Express Collections 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
- Express Collections: home page
- Express Collections: Locations
- CFPB enforcement actions (full list reviewed)
- CFPB Consumer Complaint Database: Express Collections, Inc., debt collection
This profile is general information compiled from public sources, not legal advice, and it does not state or imply that Express Collections has violated any law. Company details change; tell us if something here is out of date.