General Revenue Corporation or GRC 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.
Who is General Revenue Corporation?
General Revenue Corporation or GRC is an Ohio-based collection agency specializing in collecting student loan debt. GRC has received many consumer complaints alleging violations of the Fair Debt Collections Practices Act (FDCPA) for activities such as inappropriate communication tactics or disclosing of information. If GRC has contacted you to discuss debt servicing, make sure you know your rights before responding.
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Is General Revenue Corporation a scam?
They’re legit. According to the Better Business Bureau (BBB), General Revenue Corporation is a legitimate collection founded and incorporated in Ohio in 1981. BBB opened its file on them in 1986. Listed as a collection agency, GRC services the greater Cincinnati area. Buzzfile estimates GRC’s annual revenue at $23.9 million and its staff at 480 people.
Who does General Revenue Corporation collect for?
General Revenue Corporation offers debt collection for Federal Perkins Loans, the Family Federal Education Loan Program, institutional loan and tuition receivables, specialized loan programs, and miscellaneous accounts receivables and fees.
GRC is a “wholly-owned subsidiary of Navient Corporation and a member of Navient’s Collection Services.” Navient provides student loans for the Federal Department of Education. “GRC serves clients in the education and government industries,” with a “commitment to maximize cash flow on behalf of [their] clients.” GRC’s website makes a clear effort to highlight its “borrower-friendly approach [that] emphasizes the positive benefits of voluntary resolution.” However, it is difficult to reconcile GRC’s assurances that they are dedicated to “respecting borrower rights and dignity” with their contradictory view of education as a for-profit industry that requires their simultaneous dedication to ensuring “maximum cash flow” for clients. Their website does not include references to resources for consumers or consumer protection laws.
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 General Revenue Corporation?
The BBB has closed 89 complaints against GRC in the past three years, with 23 closed in the past twelve months. The eight negative reviews mostly indicate problems with communication tactics, including disclosing information to third parties and various forms of harassment. Since April 2015, the Consumer Financial Protection Bureau (CFPB) has logged 26 complaints against GRC/Navient and allege violations such as illegal disclosure of information, failure to verify debts, and improper communication tactics. Justia lists at least 11 cases of civil litigation naming GRC as a defendant.
Can General Revenue Corporation Sue Me or Garnish My Wages?
It is illegal for a debt collector to make empty threats to sue you or garnish your wages. It is also unlikely GRC 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 July 2015, in United States District Court for the District of New Jersey, a judge issued an Opinion in the matter of a plaintiff who brought a complaint against GRC for violating the FDCPA’s provisions prohibiting the use of false and misleading language in an effort to collect a debt. In her complaint, the plaintiff’s alleged violation occurred after she received a letter from General Revenue Corporation concerning a debt from her previous enrollment in an arts college. The letter contained, in part, the following language:
“Because you may be required to pay interest on the outstanding portion of your balance, as well as late charges and other charges that may vary from day to day, the amount required to pay your balance in full on the day you send payment may be greater than the amount stated here. If you pay the amount stated here, an adjustment may be necessary after we receive your payment. In that event, we will notify you of any adjustment in your balance. We encourage you to call General Revenue Corporation prior to making a payment intended to pay your balance in full.”
The plaintiff argued that the letter violated the FDCPA prohibitions against abusive, deceptive, and unfair business practices by “(1) falsely representing that charges may be added to the consumer’s stated balances, (2) falsely stating that an adjustment may be necessary following payment in the amount stated on the letter, and (3) falsely suggesting that GRC might increase the amount owed.” The plaintiff argued specifically that by indicating they would increase or otherwise change the amount owed, they had violated the FDCPA by making “misleading and false representations and false threats,” and by failing “to properly disclose the amount of a debt.” General Revenue Corporation argued that so-called “safe harbor language” allows collectors to avoid liability by indicating that adjustments “may” be necessary. However, the judge indicated that because “courts in FDCPA cases will construe debt collection letters from the perspective of ‘the least sophisticated consumer,’” the language was confusing enough to constitute a violation.
Past Press Releases of Lawsuits Brought On By Lemberg Law
December 4, 2015. One of the central tenets of the Fair Debt Collection Practices Act is that debt-related information is personal and thus is supposed to remain confidential. When debt collection agencies cross the line and reveal personal information, it can be embarrassing to the consumer. That’s what a Lemberg Law client says happened to him.
Our client says that General Revenue Corporation, a debt collection agency, embarrassed him when it called his friend’s wife’s cell phone and asked after our client. When our client’s friend returned General Revenue Corporation’s call, the debt collection agency claimed that his friend was listed as a contact for our client. Even worse, the third party (and his wife) are not even relatives of our client.
The case, which was recently filed in U.S. District Court, Northern District of Georgia, charges General Revenue Corporation with violating the Fair Debt Collection Practices Act by contacting third parties for purposes other than to obtain location information; by using false, deceptive, or misleading representation in connection with the collection of a debt; and by employing false and deceptive means to collect a debt. It asks for statutory damages of $1,000, plus other relief.
General Revenue Corporation 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 GRC 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 was almost going nuts receiving calls every afternoon from a person using profane language to push me to pay debts I don’t owe. Someone I trust referred me to Lemberg Law, and I don’t regret having contacted them. The attorneys were very kind and always available when I needed them.”
“Thank you for standing with me Lemberg Law. I was so afraid I could lose my job because of a caller who called my job number 4 hours straight back to back. He not only harassed and threatened me but also abused workmates who received the call when I wasn’t around. Since I solicited for your services, I’ve had a peace of mind, and I’m happy because of the few dollars I got as a settlement.”
Can You Help Me Delete General Revenue Corporation from My Credit Report?
Chances are good that we can help. Call us today and we’ll explain.
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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.