Franklin Service, Inc., formerly named Franklin Collection Service, Inc., is a Tupelo, Mississippi revenue recovery company that has worked since 1980. Its website focuses on hospitals, clinics and physician practices.
- Type
- Collection agency
- Also known as
- Franklin Collection Service, Inc.; Franklin Collection Service
- Headquarters
- Tupelo, MS
- Collects
- hospital bills, clinic and physician practice bills
- Phone numbers it lists
- (866) 319-0760, (855) 328-0808
- Website
- franklinservice.com
188 debt collection complaints were sent to the Consumer Financial Protection Bureau about Franklin Collection Service, 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 Franklin Service, Inc.?
Franklin Service, Inc. is a Mississippi corporation. Mississippi business records, as shown on OpenCorporates, list its previous name as Franklin Collection Service, Inc. and its address as 2978 W. Jackson Street, P.O. Box 3910, Tupelo, Mississippi 38803. The company's website advertises "Superior Revenue Recovery Since 1980" and lists its license as NMLS CCA-948786.
For payments, the website gives a pay-by-phone line of (866) 319-0760 and a line for its automated "RMEx Smart Agent" at (855) 328-0808, along with online check and card payments. We did not find a CFPB enforcement action against Franklin Service or Franklin Collection Service.
Why Franklin Service May Be Contacting You
Franklin's website is built around healthcare. It markets patient payment tools and a retail point-of-service system to hospitals, clinics and physician practices. If you hear from Franklin, the most likely reason is an unpaid balance from a hospital stay, emergency room visit, clinic appointment or doctor's office. Older letters and credit report entries may still use the former name, Franklin Collection Service.
Because the company also offers automated phone agents and chatbots, your first contact may be automated. You can still ask to speak with a person and ask for everything in writing.
How to Check a Debt Franklin Service Says You Owe
Medical balances are frequently wrong because of insurance timing, so take a careful look before paying.
- Look at the validation notice. Franklin must send a notice naming the provider, itemizing the balance and giving you a dispute deadline (15 U.S.C. § 1692g; 12 C.F.R. § 1006.34).
- Dispute in writing within the validation period. Ask for the itemized bill listing each date of service, procedure and insurance payment.
- Call your insurer. Ask whether the claim was submitted, paid, denied or still pending. A pending claim is a good reason to dispute.
- Ask whether the provider still owns the account. If it was sold, you're entitled to know the current creditor.
- Don't ignore age. Texas generally gives four years to sue on a consumer debt (Tex. Civ. Prac. & Rem. Code § 16.004), and debt buyers may not sue on time-barred consumer debt (Tex. Fin. Code § 392.307). Other states set different periods.
What Franklin Service Can and Can't Do
An agency that regularly collects consumer debts owed to hospitals and other providers is a "debt collector" under 15 U.S.C. § 1692a(6).
- Its letters and calls must disclose that they come from a debt collector (15 U.S.C. § 1692e(11)).
- It may not share details of your medical debt with your employer or family members, apart from a spouse (15 U.S.C. § 1692c(b), (d)).
- Seven calls in seven days about one account is the Regulation F limit before harassment is presumed (12 C.F.R. § 1006.14(b)(2)).
- It may not report a disputed balance to the credit bureaus without marking it as disputed (15 U.S.C. § 1692e(8)).
See how credit bureaus now handle medical collections, read what a validation notice is, 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 Franklin Service, Inc. 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
- Franklin Service, Inc.: home page
- OpenCorporates: Franklin Service, Inc. (Mississippi, no. 554216)
- CFPB enforcement actions search
- CFPB Consumer Complaint Database: Franklin Collection Service, Inc., debt collection
This profile is general information compiled from public sources, not legal advice, and it does not state or imply that Franklin Service, Inc. has violated any law. Company details change; tell us if something here is out of date.