Who Called From 800-903-3589?
Short answer: 800-903-3589 is a number used by Medco Services, Inc. (MedCo Services), a third-party collection agency based in Huntsville, AL — reported early-morning dialing line (toll-free). They are almost certainly trying to collect a debt, most often medical debt. You are not required to answer or say anything — and you have the right to demand written proof before you pay a cent.
Whose Number Is 800-903-3589?
The number 800-903-3589 is used by Medco Services, Inc. (reported early-morning dialing line (toll-free)), a third-party collection agency in Huntsville, AL. For the full company profile — ownership, history, and known aliases — see our complete Medco Services, Inc. guide. This page focuses on the calls coming from 800-903-3589 specifically.
About this specific number
- 📞 Number: 800-903-3589 (area code 800, ending in 3589)
- 📍 Line type: Toll-free — resolves to a toll-free line.
- 🏢 Operator: Medco Services, Inc., a third-party collection agency in Huntsville, AL.
- 🔢 Related lines: Medco Services, Inc. is documented using 18 numbers in our directory, so calls may also come from other digits.
800-903-3589 is a toll-free number, which collectors like MedCo Services use for high-volume inbound and outbound calling.
Screening tools sometimes label 800-903-3589 generically as "Scam Likely" or "Debt Collector." Either way, treat 800-903-3589 as Medco Services, Inc. until proven otherwise, and handle it in writing.
On your caller ID, in voicemails, or in letters, this company can also appear as: MedCo Services, Medco.
Why Is MedCo Services Calling Me From 800-903-3589?
In our directory, 800-903-3589 is tracked as a reported early-morning dialing line (toll-free) for Medco Services, Inc., which typically collects medical debt, healthcare accounts. A call from 800-903-3589 usually happens because:
- ✅ An original account (a medical debt, for example) went unpaid and was charged off by the creditor.
- ✅ The account was placed with Medco Services, Inc. to collect on behalf of the original creditor.
- ✅ Medco Services, Inc. is now dialing you from 800-903-3589 and possibly other lines to reach a resolution.
Calls from 800-903-3589 often come right after a billing cycle closes. Some consumers only notice 800-903-3589 after it has called dozens of times. You can send Medco Services, Inc. a written request to communicate by mail only — that alone can quiet the phone while you investigate. A number of consumers say 800-903-3589 left a vague voicemail asking them to "call back regarding an important business matter" without naming Medco Services, Inc.. Under the FDCPA, a collector must meaningfully disclose who it is. The takeaway: verify before you engage with 800-903-3589.
Important: a phone call — even from a real number like 800-903-3589 — does not prove you owe the debt, that the amount is correct, or that Medco Services, Inc. can legally collect it. That is exactly why your validation rights matter.
What NOT to Say If You Answer 800-903-3589
Anything you say to MedCo Services can be used to collect. Protect yourself — avoid these common mistakes on the call.
Don't admit the debt is yours
When 800-903-3589 calls, saying "yes, that's mine" or apologizing can be treated as acknowledging the debt — which may reset the statute of limitations. Neither confirm nor deny until you've seen written validation from Medco Services, Inc..
Don't agree to a payment on the spot
A single payment to Medco Services, Inc. — even a small "good-faith" one — can restart the clock on an old debt and make it collectable again. Never authorize a payment over a call from 800-903-3589.
Don't give bank or card details
Do not read out your bank account, debit, or credit card number to anyone calling from 800-903-3589. Any legitimate Medco Services, Inc. resolution can be handled in writing after validation.
Don't confirm personal information
Avoid confirming your SSN, date of birth, employer, or address to the 800-903-3589 caller. If it truly is your Medco Services, Inc. account, they should already have what they need and must prove it.
What To Do If 800-903-3589 Keeps Calling
Here are concrete next steps for this specific Medco Services, Inc. line. Work through them in order — each one strengthens your position before you ever discuss the debt.
- 1
Save 800-903-3589 as a contact labeled "Medco Services, Inc. — do not answer" so you can screen future calls with confidence.
- 2
Do not return the call to 800-903-3589 until you have the account details in writing — a call-back can be treated as engagement.
- 3
Ask, in writing, that Medco Services, Inc. identify the original creditor behind the 800-903-3589 calls and the date the debt was opened.
Your Rights When MedCo Services Calls From 800-903-3589
The Fair Debt Collection Practices Act (FDCPA) and Fair Credit Reporting Act (FCRA) give you real leverage. Here is the debt-validation playbook we use at Crowned Credit.
1. Demand Debt Validation (FDCPA §809)
Within 30 days of first contact, send MedCo Services a written debt-validation letter. They must prove the debt is yours, the amount is right, and they have the legal authority to collect — or stop collecting.
2. Dispute With the Bureaus (FCRA §611)
If Medco Services, Inc. reported a tradeline, dispute it with Equifax, Experian, and TransUnion. They have 30 days to investigate; unverifiable items must be corrected or deleted.
3. Log the Calls
Write down every call from 800-903-3589: date, time, and what was said. Repeated calls, calls at odd hours, or threats can be FDCPA violations — and leverage for you.
4. Send a Cease-and-Desist
You can demand in writing that Medco Services, Inc. stop calling you entirely. The calls must stop, even though they may still report or pursue other legal steps.
5. Check the Statute of Limitations
Every state limits how long a collector can sue on a debt. If the debt is time-barred, MedCo Services generally cannot win a lawsuit — and a payment could dangerously restart that clock.
6. Know the Anti-Harassment Rules
The FDCPA bars MedCo Services from calling before 8am or after 9pm, threatening you, or lying about the debt. Each violation may entitle you to statutory damages.
How Crowned Credit Helps With Calls From 800-903-3589
We investigate the specific Medco Services, Inc. account behind the calls, assert every applicable right, and work it with all three bureaus and the collector directly — no cookie-cutter form letters.
Review & Validate
We pull all three bureau reports, find every error tied to the MedCo Services account, and demand full debt validation.
Dispute & Escalate
Hand-packed disputes go to the bureaus and to Medco Services, Inc.. When they fail to investigate properly, we escalate to the CFPB and, where warranted, attorneys.
Track & Build
We monitor the outcome and coach you on rebuilding once inaccurate items are addressed. Results vary by profile.
Or call us directly at 336-310-0090. Results vary based on your individual credit profile.
800-903-3589 — Frequently Asked Questions
Who is calling me from 800-903-3589?
800-903-3589 is a toll-free line associated with Medco Services, Inc. (also seen as MedCo Services), a third-party collection agency headquartered in Huntsville, AL and operating since 1994. The number resolves to a toll-free line. If you received a call from 800-903-3589 — often showing the last four digits 3589 on your screen — it is very likely Medco Services, Inc. attempting to reach you about a debt they say you owe, most often medical debt, healthcare accounts.
Is 800-903-3589 a scam number?
Medco Services, Inc. is a real, registered company, and 800-903-3589 is a documented line tied to it. That said, scammers do "spoof" the caller ID of well-known collectors like MedCo Services, so the number showing on your screen is not proof of anything. Never give payment or personal information based on a phone call alone. Ask for the caller's name, company, and a written validation notice before you discuss any debt.
Do I have to answer or call back 800-903-3589?
You are not legally required to answer 800-903-3589 or call Medco Services, Inc. back. In fact, it is usually smarter to say nothing on the phone and instead demand everything in writing. Under the FDCPA, once you send a written debt-validation request, Medco Services, Inc. must pause collection until it mails you proof of the debt.
Why is Medco Services, Inc. calling me about medical debt?
A call from 800-903-3589 usually means an original medical debt went unpaid and was placed with Medco Services, Inc., which dials this line to collect on the original creditor's behalf. The account may have aged or changed hands more than once, so demand the full paper trail before you accept the balance as accurate.
Can I stop Medco Services, Inc. from calling 800-903-3589?
Yes. The FDCPA lets you send a written cease-and-desist demand telling Medco Services, Inc. to stop contacting you by phone. They can still report to the bureaus or pursue other legal steps, but the calls from 800-903-3589 and any related lines must stop. This is a useful way to end harassment while you build your dispute.
Should I pay the debt Medco Services, Inc. is calling about?
Do not pay anything based on a call from 800-903-3589 until the debt is validated. Once you confirm the debt is yours, accurate, and still within your state's statute of limitations, you can consider a written pay-for-delete arrangement. Paying an unverified or time-barred debt can restart the clock and lock in a negative mark. Get a free assessment first.
More About Medco Services, Inc.
Other phone numbers used by Medco Services, Inc.:
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