A “PSG Hollis Cobb” charge on your bank or card statement is a payment collected by Hollis Cobb Associates, a Georgia-based debt collection agency that specializes in medical debt. It almost always traces back to an unpaid balance from a hospital, emergency room, or other healthcare provider that placed the account with Hollis Cobb for collection.1Hollis Cobb. About Us Some consumers have reported the charge appearing on their accounts without any prior written notice from the collector.2Protection for Consumers. Stop Hollis Cobb Associates Debt Collection Harassment
What the Charge Actually Is
Hollis Cobb Associates, LLC is a healthcare-focused collection firm headquartered in Duluth, Georgia. It works with hospitals and health systems around the country to recover unpaid patient balances, and its services run from early-stage receivables to bad debt recovery and litigation on delinquent accounts.3Hollis Cobb. Bad Debt Solutions Payments through its Patient Accounts Bureau division are processed on a platform called EvokePay.4Patient Accounts Bureau. Patient Accounts Bureau
The “PSG” prefix has been associated with Hollis Cobb’s billing descriptors, though the company’s website does not spell out what the initials stand for. One caution: a separate, unaffiliated Georgia collection agency called Profit Services Group also uses the abbreviation “PSG” and collects medical debts.5Better Business Bureau. Profit Services Group BBB Profile Confirm which company actually took the payment before you send letters or make calls.
Hollis Cobb can be reached at (800) 336-0299, at adminservices@holliscobb.com, or at 3175 Satellite Blvd., Suite 400, Duluth, GA 30096.6Hollis Cobb. Consumer State Disclosures
If the Money Was Taken Without Your Authorization
Call your bank first. Under Regulation E, which implements the Electronic Fund Transfer Act, you have 60 days from the date of the statement showing the charge to report an unauthorized electronic transfer. The bank must investigate within 10 business days and may issue a provisional credit while it looks into it. If the bank needs more time, the investigation can extend to 45 days, but the provisional credit has to be in place within 10 business days of your report.7Consumer Financial Protection Bureau. Regulation E Section 1005.11
A debt collector cannot pull money from your paycheck or bank account without first suing you and getting a court order.8Federal Trade Commission. Debt Collection FAQs If you never authorized Hollis Cobb to draft your account and no judgment exists against you, treat the charge as unauthorized until proven otherwise.
How to Dispute the Underlying Debt
The Fair Debt Collection Practices Act gives you the right to make a collector prove the debt before collecting. Two steps do most of the work.
Ask for a debt validation letter. Within five days of first contacting you, a collector must send written notice identifying the original creditor, the amount owed, and your right to dispute the debt.8Federal Trade Commission. Debt Collection FAQs If a charge showed up before any such notice reached you, that’s a problem on the collector’s side, not yours.
Then send a written dispute within 30 days of receiving that validation notice. Once the collector receives your dispute, it has to stop collection activity until it provides written verification of the debt.8Federal Trade Commission. Debt Collection FAQs Send it by certified mail so you have proof of delivery. Keep copies of everything.
If you think the bill was already paid, covered by insurance, part of an existing payment plan with the hospital, or isn’t yours at all, say so in the dispute and attach whatever documentation you have. Those exact scenarios show up repeatedly in consumer complaints about the company.9Better Business Bureau. Hollis Cobb Associates BBB Complaints
One fee to watch for: consumers have flagged a $6 convenience fee charged for phone payments. The Consumer Financial Protection Bureau has said such “pay-to-pay” fees generally violate federal law unless expressly authorized by the consumer’s original agreement.10Consumer Financial Protection Bureau. CFPB Moves to Reduce Junk Fees Charged by Debt Collectors
What the Collector Cannot Do
The FDCPA prohibits abusive, unfair, or deceptive collection practices. A collector cannot call before 8 a.m. or after 9 p.m., cannot call more than seven times in a seven-day period, cannot threaten arrest, and cannot discuss your debt with family members, coworkers, or other third parties.8Federal Trade Commission. Debt Collection FAQs
Hollis Cobb has told the Better Business Bureau that it “does not report information, positive or negative, to any credit reporting agency,” although it notes the original healthcare provider may still report the debt on its own.11Better Business Bureau. Hollis Cobb Associates BBB Complaints That distinction matters if you’re worried about your credit report: disputing the collector doesn’t automatically clean up anything the hospital may have reported.
Where to Escalate
If a collector violates the FDCPA, you can sue in state or federal court within one year of the violation. A court can award up to $1,000 in statutory damages plus attorney’s fees.8Federal Trade Commission. Debt Collection FAQs
You can also file complaints with the CFPB at consumerfinance.gov/complaint, the FTC at ftc.gov, or your state attorney general. California residents have another avenue: on April 2, 2025, the California Department of Financial Protection and Innovation issued a Desist and Refrain Order against Hollis Cobb Associates, LLC, under license DCLA #10495-99. The order remained in effect as of December 2025, and the DFPI’s consumer services line is 1-866-275-2677.12California DFPI. Hollis Cobb Associates LLC Enforcement Action