Tulsa Adjustment Bureau, Inc., which does business as TAB Services, is a Tulsa, Oklahoma collection agency founded in 1963. It collects for Oklahoma's medical, retail and commercial markets, so most contacts concern a local health care or business account.
- Type
- Collection agency
- Also known as
- TAB Services; Tulsa Adjustment Bureau, Inc.; TAB Services, Inc.
- Headquarters
- Tulsa, OK
- Collects
- medical bills, retail accounts, commercial accounts
- Phone numbers it lists
- (800) 903-9203, (918) 579-9200, (800) 775-1481, (918) 749-1481
- Website
- tab-services.com
18 debt collection complaints were sent to the Consumer Financial Protection Bureau about Tulsa Adjustment Bureau 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 Tulsa Adjustment Bureau?
Tulsa Adjustment Bureau, Inc. operates as TAB Services. Its website lists an office at 2448 E. 81st Street, Suite 4700, in Tulsa, Oklahoma, and says it has served "the collection needs of Oklahoma's medical, retail, and commercial markets with firmness and fairness since 1963." The site offers an online payment portal, a virtual chat agent and phone lines for consumers, plus a separate portal for clients.
The company's website lists more than one set of phone numbers (see above). We did not find a CFPB enforcement action against Tulsa Adjustment Bureau.
Why Tulsa Adjustment Bureau May Be Contacting You
TAB's clients are mainly Oklahoma health care providers, retailers and businesses. A call or letter from TAB is most likely about a balance with an Oklahoma hospital, physician group or other provider, or with a local store or service company. People who moved from Oklahoma to Texas sometimes hear from TAB about care they received before the move.
The website also has a "Legal Action" section, explaining that if a consumer does not pay, TAB "will continue to advocate" for its clients. Whether a lawsuit is actually filed depends on the client's decision.
How to Check a Debt Tulsa Adjustment Bureau Says You Owe
- Review the validation notice, which must identify the provider or business, itemize what is owed and set a dispute deadline (15 U.S.C. § 1692g; 12 C.F.R. § 1006.34).
- Dispute in writing within that window if the charge should have been billed to insurance, Medicaid or Medicare, or if you already paid the provider.
- Ask who the creditor is today, since a provider's billing company and the provider itself may have different names.
- Request an itemized bill from the provider and compare it with your explanation of benefits. Look for duplicate charges and missing insurance payments.
- Check the date of service and last payment. In Texas, most debt suits 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). Oklahoma has its own deadline.
What Tulsa Adjustment Bureau Can and Can't Do
TAB collects debts owed to its clients, which makes it a "debt collector" under 15 U.S.C. § 1692a(6). Key limits for medical collections:
- It may not falsely say a lawsuit has been or will be filed (15 U.S.C. § 1692e(5)), and a Texas judgment on a consumer medical bill generally cannot be used to garnish wages.
- It may not discuss your medical debt with family, friends or employers except to locate you (15 U.S.C. §§ 1692b, 1692c(b)).
- If it credit reports, the bureaus' policies bar paid medical collections and those under $500; see our medical debt reporting note.
- Its virtual chat and any texts must follow Regulation F, including a simple way to opt out of electronic messages (12 C.F.R. § 1006.6(e)).
See whether you can be sued over medical bills in Texas, or contact our Texas FDCPA attorneys.
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 Tulsa Adjustment Bureau 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
- TAB Services: home page
- CFPB enforcement actions list
- CFPB Consumer Complaint Database: Tulsa Adjustment Bureau, debt collection
This profile is general information compiled from public sources, not legal advice, and it does not state or imply that Tulsa Adjustment Bureau has violated any law. Company details change; tell us if something here is out of date.