Client Services Inc., also called CSI is a debt collection agency, which receives a lot of consumer complaints to our law firm for debt harassment. Find out who they are, why they might be calling, and how you can stop them.
What is Client Services?
Client Services, Inc. (CSI) is a third-party collection agency based in Missouri. CSI has received consumer complaints alleging violations of the Fair Debt Collection Practices Act (FDCPA), including failing to verify debts and attempting to collect debts not owed. If CSI has contacted you about a debt, make sure you know your rights before responding.
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Is Client Services a scam?
They’re legit. According to the Better Business Bureau (BBB), Client Services, Inc. is a legitimate collection agency, founded and incorporated in 1987. The BBB established a profile page for CSI in 1992, and CSI has been a BBB-accredited business since 2012. The BBB lists CSI as a collection agency, billing service, medical biller, and call center. Buzzfile estimates CSI’s annual revenue at $43 million and the size of its headquarters staff at 955 employees.
According to its website, CSI has “quickly established a reputation for providing superior quality and consistent performance.” CSI has “evolved into a full-service Customer Relationship Management company…[that] offers a full suite of Accounts Receivable Management (ARM), Business Processing Outsourcing (BPO) and healthcare solutions.” CSI is “a company with full call center capabilities…and the expertise and the resources to manage the life cycle of any customer base.”
Who does Client Services collect for?
Client Services’ collection efforts are divided into three major divisions: accounts receivable, BPO, and healthcare. CSI’s accounts receivable division hosts four sub-divisions: recovery, collections, competitive advantage, and accounts receivable management.
CSI’s “third-party, post charge-off recovery programs offer world-class liquidation results, while…maintaining and promoting positive consumer experiences.” Their collections division “represents many of the largest and most sophisticated lending institutions in the country…[with] collection solutions [that] offer world-class liquidation and roll-rate results.” CSI’s competitive advantage division focuses on overall results; consumer sensitivity and brand protection; client support management; business technology; and company culture. Their ARM division utilizes “100% call recording, voice analytics software, and customer satisfaction surveys.”
CSI’s BPO division includes three subdivisions: customer care, revenue generation, and competitive advantage. CSI’s customer care center employs an “integrated and advanced range of infrastructure and technology that allows them to customize…solutions according to each client’s individual needs.” Their revenue generation division provides “new account acquisition, account activation, and up-sell/cross-sell or customer retention” services. Finally, CSI’s healthcare division provides medical billing, insurance authorization, and benefit verification services.
The CSI website includes a Consumer Center page with a list of Frequently Asked Questions. However, these FAQ’s provide only proprietary responses; there is no detailed information about their regulatory compliance policies. In addition, there are no links or references to consumer protection resources, laws, or enforcement agencies.
Who are we? We are Lemberg Law, a Consumer Law Firm
Lemberg Law is a consumer law firm helping victims of collection harassment and abuse. We are ranked A+ by the BBB. We’ve helped more than 15,000 consumers stop harassment and recover money from debt collectors. Harassed? Abused? Misled by a collector? Call our Helpline today! There is no charge unless we win.
How many complaints are there against Client Services?
As of March 2019, the BBB has closed 43 complaints against Client Services, Inc in the preceding three years, with 16 complaints closed in the previous 12 months. Most of those complaints cited problems with billing and collections, although 14 complaints also cited problems with customer service. Since March 2015,the Consumer Financial Protection Bureau (CFPB)has closed 53 complaints involving CSI. Justia lists at least 20 cases of civil litigation involving CSI.
It is illegal for a debt collector to make empty threats to sue you or garnish your wages. It is also unlikely CSI would sue you for a debt you may not owe or they cannot validate. However, debt collection agencies are known to have summoned debtors to court and garnish wages after a default judgement. Contacting an attorney BEFORE this could possibly happen would be a smart move. We’ve helped thousands of consumers fight back against unscrupulous debt collection harassers. Find out if we can help you too today!
In June 2009, in United States District Court for the Southern District of California, a judge issued an order in a case alleging Client Services, Inc had violated the federal FDCPA, the California state FDCPA, as well as a charge that Client services Inc had violated laws against invasion of privacy. In this case, the plaintiff had heard a radio commercial for a company called Debt Consultants (DC), in which DC advertised “their success in helping consumers become debt free.” The plaintiff had several credit accounts in good standing, but the interest rates were increasing and making payments was becoming increasingly difficult to maintain. The plaintiff contacted DC for help managing her debt. She stated that a DC representative told her that “she would be debt free within a couple of years; that she would not have to pay the additional interest that would ordinarily accumulate on her accounts; and that her credit would not be damaged.” She also stated that DC “sent her an orientation package that falsely represented that it would eliminate her outstanding debt; …that her accounts would be reported as settled-in-full or paid”; and that she should “stop communicating with her creditors.” She allegedly paid DC $3,935.00, then “followed DC’s advice and stopped paying her accounts and stopped communicating with her creditors.” However, DC allegedly “did not settle any of her accounts and performed no services of benefit to” her. Subsequently, as her “accounts went into default,” her creditors and the collection agencies they used “began calling to collect her debts.” One of those collection agencies was CSI.
The plaintiff alleged that while attempting to collect debts resulting from DC’s advising services, CSI “called…with such frequency and persistence as to constitute harassment”; “called the plaintiff’s parents…and did not state they were calling to confirm or correct location information”; “called the Plaintiffs’ parents more than one time”; “disclosed details regarding the plaintiff’s debt to each set of parents”; “did not disclose that it was a debt collector in each communication”; and “did not provide meaningful disclosure of its identity in each communication.”As a result, the plaintiff charged CSI with violations of the state and federal FDCPA, as well as invasion of privacy. She also charged DC with violations, including of the Credit Repair Organization Act and the California Credit Services Act.
Attorneys for CSI attempted to argue that the plaintiff had failed to state a claim for any of the charges she alleged and requested that the charges be dismissed. In deciding whether to allow the complaint to move forward, the court noted that the plaintiff had charged CSI with “not disclosing that it was a debt collector in each communication” or “providing meaningful disclosure of its identity in each communication” with the plaintiff and her parents. These allegations represented direct violations of the FDCPA. Similarly, the plaintiff’s allegation that CSI called “with such frequency and persistence as to constitute harassment,” did constitute a valid statement of a claim. As for invasion of privacy, the plaintiff was judged to have met the standard for a pleading, which requires “identification of a specific, legally protected privacy interest; … a reasonable expectation of privacy; and…conduct… constituting a serious invasion of privacy.” As a result, the plaintiff was allowed to proceed with her complaint against CSI.
Client Services Calling You?
Federal laws protect you. The Fair Debt Collections Practices Act (FDCPA) regulates the behavior of collection agencies by prohibiting actions such as the use of abusive or threatening language; harassment; or the use of false or misleading information to collect a debt. The FCRA regulates how collection agencies and creditors report delinquent debts to credit reporting agencies. Additional consumer protection laws include the Telephone Consumer Protection Act (TCPA) and the Consumer Financial Protection Act (CFPA).
Consumers have reported this agency harassing them from the following numbers:
Can I sue CSI for harassment?
Yes. If you want to enforce your rights, or recover money for violations — you need to sue. Federal laws provide individuals like you with a means to seek monetary damages in court. For example, the FDCPA allows consumers who have been violated to recover damages of up to $1,000, plus attorney fees and court costs.
“I got my check today from Lemberg Law and’m very excited. The wife and I may not take a holiday, but the excess money will certainly help get some bills caught up. Thanks again for a fantastic job!!! It’s very much appreciated.”
“Seriously! Thank you a thousand times over! The debt collector kept calling me but would not give me any information regarding the debt that I owed except the sum. They threatened me over and over again and would not stop calling. I hunted on Google for ways to make the calls stop and discovered Lemberg Law. They took my case and found that the debt was too old to accumulate. This firm had ‘bought’ my accounts and expected for me to pay! Guess what? They ended up paying me for each of the harassment they put me through! I was SHOCKED when I received my check.
“The group at Lemberg Law was professional, courteous, and effective. Their grasp of consumer protection laws and guidelines are second to none, and they work extremely difficult to ensure this procedure is client-friendly.”
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About the Author:
Sergei Lemberg is a lawyer whose practice focuses on consumer law, class actions and personal injury litigation. He has been repeatedly recognized as the “most active consumer attorney” in the country. In 2020, Mr. Lemberg represented Noah Duguid in the United States Supreme Court in the case entitled Duguid v. Facebook. He is the author of Defanging Debt Collectors, a book that teaches consumers how to battle debt collectors and win.