Why Are They Calling Me?
Gulf Coast Collection Bureau is calling you from 866-991-7360 because a healthcare provider sent an unpaid bill to this third-party debt collection agency. GCCB only deals with medical debt collection, and this toll-free number is just one of the many telephone numbers that collection representatives from this agency use to contact consumers.
Before you speak with anyone on the phone, you should know who this company is, what it is allowed to do legally, and how thousands of other consumers who received the same call as you describe their experience.
Who Is GCCB?
Company Name: Gulf Coast Collection Bureau, Inc. (now operates as Gulf Coast RCM)
Company Type: Third-party debt collection agency and healthcare revenue cycle management company
Headquarters: Sarasota, Florida (has an additional office in Largo, Florida)
Year Founded: 1978
Owner: Privately-held, family-owned (owned by the Brown family)
President: Jack W. Brown III
Industry: Medical debt (hospitals, physician practices, health systems)
Number of Clients: 300-plus hospital and physician practice clients (including BayCare Health System and Lee Health)
Number of Employees: 70 to 200
Better Business Bureau (BBB) Rating: A- (accredited since 2020)
BBB Customer Review Average: 1.17 out of five stars
Known Phone Numbers:
(866) 991-7358
(866) 991-7360
(941) 927-6999
(888) 839-6999
(888) 443-9979
(855) 529-2671
Their History
You are not the only one who received a call from this number. RoboKiller has recorded more than 166,000 calls from this single telephone number and more than 1,230 consumer complaints about the number. ShouldIAnswer.com has 147 negative reviews out of 151 reviews of the number.
GCCB has been sued in federal court multiple times under the Telephone Consumer Protection Act (TCPA) and Fair Debt Collection Practices Act (FDCPA). One of those cases was filed in October 2025 and remains an active lawsuit.
Why Is GCCB Calling Me?
The Medical Debt Collection Process
GCCB collects only medical debt. That means the call you received from 866-991-7360 is about a hospital bill, emergency room visit, doctor visit, or lab test that your insurance provider did not pay for or only paid partially. The hospital or physician practice that sent you the bill decided to send it to a third-party collection agency.
GCCB does not purchase medical debt from original creditors the way debt buyers such as Midland Credit Management or Portfolio Recovery Associates do. Instead, the company works directly for the original creditor. That means the hospital or physician practice to whom you supposedly owe money is still the creditor on the debt. This makes a difference if you decide to dispute the debt.
Why You May Not Owe the Debt
Numerous consumers who reported receiving calls from 866-991-7360 stated they do not owe any money.
A reviewer who posted on the Better Business Bureau website in August 2025 said they received months of calls and text messages from GCCB about an outstanding medical bill. When the consumer contacted the health care network that allegedly owed money to GCCB, the network said there was no outstanding balance.
In its response to the complaint, GCCB acknowledged that the provider had not informed the collection agency that the bill was paid.
Medical billing mistakes are common in the debt collection industry. Delays and errors in processing payments through your insurance provider, errors in the codes used to bill your insurance provider, and simple accounting mistakes at your healthcare provider can cause bills you paid or your insurance provider covered to be sent to a collection agency.
Just because GCCB called you does not mean you owe the debt.
What the Collector Will Say
The Information Extortion Scheme
The most common thing consumers say about calls from 866-991-7360 is that the caller demands personal and financial information from the consumer before the caller explains why the call was made.
An EveryCaller.com reviewer described a call from an agent who already knew the consumer’s name but would not say why they called unless the consumer provided a date of birth and address. When the consumer told the agent a legitimate caller would already have that information, the agent hung up the phone.
Another reviewer on EveryCaller.com described an agent who became belligerent and talked over the consumer when the consumer became upset.
On 800notes.com, a consumer identified as Nicole said a man who claimed he was calling from Sarasota told her he needed to discuss something that just crossed his desk. He asked Nicole to confirm her date of birth, the last four digits of her Social Security number, or her address. Nicole asked the man why he was calling, and he said he could not tell her that unless she confirmed her identity.
Consumers describe this same scenario on nearly every complaint website over the course of almost a decade. This appears to be a scripted practice this collection agency trains its representatives to use.
Robocalls, Dead Air, and Excessive Calling
Aside from the personal and financial information collection scheme, consumers also commonly report robocalls from 866-991-7360.
A consumer on ShouldIAnswer.com said the call was from a computer with no human. Another consumer on 800notes.com reported receiving a daily call from the number where no one was on the other end of the line when the consumer answered.
The frequency of calls from this number can be oppressive. One consumer reported that AT&T Call Protect blocked 16 consecutive calls from this number, one after another. A YouMail.com user described receiving multiple daily calls from the number, sometimes from different phone numbers as the caller ID.
Nomorobo.com classified 866-991-7360 as a confirmed robocaller with heavy call volume. The agency first detected the number in October 2016 and detected it again in October 2025.
What Collectors Won’t Tell You
The Urgency Trap
When a GCCB representative pressures you to make an immediate payment over the phone, that representative is relying on the urgency of the moment to coerce you into acting without verifying your debt.
An EveryCaller.com reviewer described a call from a representative named Greg who told the consumer they could resolve their debt of $246.82 immediately by paying with a credit card. When the consumer asked Greg for a copy of their statement instead, Greg told the consumer the agency does not send statements once a consumer is past due and pushed the consumer to pay by phone multiple times while becoming increasingly condescending.
There’s rarely a good reason to make an immediate payment. Your debt is not going anywhere if you take some time to verify it. The statute of limitations for most debts is measured in years, not days. The reason a debt collector wants you to make an immediate payment is that the more time you have to research your rights, the less likely you are to pay the debt without challenging it.
The Authority Bluff
Consumers by nature trust authority. Debt collection representatives are trained to present the image of authority through their tone, scripted statements, and the consequences they threaten.
A Better Business Bureau reviewer accused GCCB of being a financial terrorist for demanding money for a bill the consumer never received. That emotional response is what aggressive debt collectors count on.
Under the FDCPA, a debt collection agency cannot threaten to have you arrested, claim to be a government representative, or mislead you about the legal consequences of not paying a debt. The law also prohibits harassment, including calling you too many times and verbally abusing you. Just because someone sounds authoritative on the phone does not mean their demands are legal.
What to Do When They Call
The Credit Report Dispute Loophole
Your best bet for getting GCCB to stop calling you does not involve answering your phone and negotiating with them. Instead, it involves your credit report.
Under the Fair Credit Reporting Act (FCRA), you have the right to dispute any entry on your credit report that you believe is inaccurate, unverifiable, or incomplete. When you initiate a dispute, the debt collector must verify the debt and provide you with any documentation it used to make the verification. In many cases, the debt collector cannot meet the burden of verifying the debt to your satisfaction.
Medical debt collection in particular is notorious for a lack of documentation, outdated information, and gaps in communication between the original creditor and collection agency. If the debt collector cannot verify your debt, the three major credit reporting agencies must remove it from your report.
Successfully disputing the debt through your credit report can result in having the collection removed entirely from your credit report. That is a better outcome than paying the debt or settling the debt. In some cases, settling a debt can actually hurt your credit score, depending on how the creditor reports the settlement, how old the debt is, and other factors in your unique credit situation.
Keep a Paper Trail
Every time you receive a call from 866-991-7360, you should keep a record of the date and time of the call and a brief description of what happened.
If the agent refuses to tell you why they called unless you provide a date of birth and address, write it down. If the agent demands information about your Social Security number, write it down. If the agent becomes hostile and hangs up on you when you challenge them, write it down.
This paper trail can help you if you later dispute the debt. It can also help you if the collection agency’s behavior rises to the level of harassment, as described by consumers who reported that GCCB called them 16 consecutive times or daily despite their repeated requests to stop.
You Don’t Have to Face Them Alone
The Bottom Line
For almost a decade, Gulf Coast Collection Bureau has been calling people from 866-991-7360 using the same tactics: Demanding personal and financial information before explaining why they called, pushing people to make immediate payments over the phone, calling as often as possible, and hanging up on people who resist their tactics.
Those tactics have resulted in more than 166,000 calls tracked by RoboKiller alone.
The most important thing for you to remember is you have more power in this situation than they want you to think you do.
You do not have to talk to a debt collector on the phone. You do not have to give your personal and financial information to someone who called you. And you do not have to accept that a debt on your credit report is legitimate just because a collection agency says it is.
Let FightCollections.com Help
At FightCollections.com, we specialize in disputing debts on people’s credit reports. We know about the documentation issues that can affect medical debt and how to use federal consumer protection laws to challenge debts that cannot be verified.
So stop answering their calls. Start disputing their claims. Contact FightCollections.com now for a free consultation.
