Metro Collection Service, Inc. is a third-party collection agency in Aurora, Colorado, in the Denver area, that has operated since 1989. If it contacts you, one of its business clients has placed an account with it.
- Type
- Collection agency
- Also known as
- Metro Collection Service Inc.
- Headquarters
- Aurora, CO
74 debt collection complaints were sent to the Consumer Financial Protection Bureau about Metro 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 Metro Collection Service?
Metro Collection Service, Inc. is a collection agency at 2600 S. Parker Road, Building 4, Suite 340, in Aurora, Colorado. The Better Business Bureau shows that the corporation was incorporated and started business on April 27, 1989, names Dave Coccimiglio as principal, and describes its work as third-party debt collection for commercial clients, meaning businesses that hire it to collect what their customers owe. The website address on the BBB file did not load when we checked, so we have not listed a website or phone number here. Use the contact information on your letter. We did not find a CFPB enforcement action against Metro Collection Service.
Why Metro Collection Service May Be Contacting You
We could not verify a client list or the types of accounts Metro handles. As a Denver-area third-party agency, it collects on behalf of the businesses that place accounts with it. If you lived or did business in the Denver area, think back to landlords, medical offices, utilities, gyms, schools or stores you dealt with there. The validation notice will name the creditor and should make the source of the debt clear.
Several other companies use "Metro" in their names, including some unrelated collectors. Check that the company contacting you is the Aurora, Colorado agency before you respond.
How to Check a Debt Metro Collection Service Says You Owe
Unless the letter explains the debt clearly, ask Metro to prove it.
- Look for the validation notice (15 U.S.C. § 1692g; 12 C.F.R. § 1006.34). It must give the creditor's name, an itemized balance from a stated date, and a dispute deadline.
- Dispute in writing within the validation period. Ask what the account is for, the dates of service or of the contract, and copies of the underlying bill or agreement.
- Ask who owns the debt now: the original business or someone it sold the account to.
- Check the arithmetic and ask for a breakdown of any interest or fees.
- Mind the limitations period. Texas generally allows four years to sue on a debt (Tex. Civ. Prac. & Rem. Code § 16.004), and debt buyers may not sue on time-barred consumer debt (Tex. Fin. Code § 392.307). Colorado and other states set their own periods. Making a payment can have legal effects on an old debt; see whether a payment restarts the clock.
What Metro Collection Service Can and Can't Do
An agency that collects consumer debts owed to other businesses is a "debt collector" under 15 U.S.C. § 1692a(6).
- It may not report a debt to a credit bureau before it has contacted you (12 C.F.R. § 1006.30(a)).
- It may not misrepresent the amount or character of the debt (15 U.S.C. § 1692e(2)).
- It may not use obscene language or repeated calls meant to harass (15 U.S.C. § 1692d(2), (5)), and calls are capped at seven attempts in seven days per debt (12 C.F.R. § 1006.14(b)(2)).
- It must stop contacting you, except for limited notices, after a written request to stop (15 U.S.C. § 1692c(c)); see telling a collector to stop calling.
For help with a possible violation, 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 Metro Collection Service 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
- BBB business profile: Metro Collection Service
- CFPB Consumer Complaint Database: Metro 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 Metro Collection Service has violated any law. Company details change; tell us if something here is out of date.