Free Help to Stop Reliant Capital Solutions RCS Collections Harassment

How To Put An End to Unwanted Calls and Debt Collector Abuse and Threats.

Updated on Author: Sergei Lemberg

Updated on Author: Sergei Lemberg

Reliant Capital Solutions RCS
Reliant Capital Solutions LLC or RCS 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 Reliant Capital Solutions?

Reliant Capital Solutions or RCS is a third-party collection agency based in Ohio. RCS has received consumer complaints alleging serious violations of the Fair Debt Collections Practices Act (FDCPA), including making false statements in an effort to collect a debt. If you have been contacted by this debt collector, make sure you understand your rights before responding.

Have questions? Call us now at 475-277-1600 for a Free Case Evaluation.

Our services are absolutely FREE to you.

The harassing company pays our fees.

Is Reliant Capital Solutions a scam?

They’re legit. According to the Better Business Bureau (BBB), Reliant Capital Solutions, LLC is a legitimate collection agency founded and incorporated in Columbus, OH in 2006. The BBB opened its file in 2008. RCS is listed as a collection agency that uses the alternate business names, RCS and Reliant Recovery Solutions, LLC. Buzzfile estimates Reliant Capital Solutions’ annual revenue at $$9.9 million and the size of its headquarters staff at 185 employees.

According to its website, RCS is “fully committed to professional, ethical, and legal conduct throughout the collection process.” RCS’ collection staff takes “pride in knowing that every dollar collected has been the result of a highly skilled team of negotiators, determined to make a difference for our clients.” RCS states its mission is a commitment to their clients’ bottom line, and they consider themselves problem-solvers and long-term partners dedicated to putting clients first “to achieve maximum results.”There are over 20 different phone numbers and an alternate website listed on the RCS profile page. The Additional Information section includes a warning about RCS’ business practices and a notice of consumer rights under the FDCPA.

Who does Reliant Capital Solutions collect for?

Reliant Capital Solutions collects delinquent accounts for higher education; health care; automotive; retail; commercial; and teleservices. As a full-service third-party collection agency, their collection staff also offers payment monitoring programs; cure programs; customer service programs; customer retention programs; skip tracing; asset searches; legal services; and custom phone campaigns. Their management team provides real-time graphical reports; agent monitoring and coaching; and digital call recording.

Aside from a statement that they are committed to “professional, ethical, and legal conduct,”the RCS website does not contain any information about compliance policies or training and does not contain any links or references to consumer protection resources, laws, or 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 Reliant Capital Solutions – RCS?

As of October 2017, the BBB has closed 11 complaints against Reliant Capital Solutions in the preceding three years, with 2 closed in the past 12 months. All of those complaints allege problems with billing and collections. The BBB has posted a notice that states in part, “Consumers from across the United States have contacted BBB indicating the Reliant representatives falsely identify themselves as being from a government entity, such as the Attorney General’s office.”Since April 2015, the Consumer Financial Protection Bureau (CFPB) has closed 24 complaints against RCS, and Justia lists at least 8 cases of civil litigation naming RCS as a defendant.

Contact Information

Reliant Capital Solutions, LLC
670 Cross Pointe Road
Gahanna, Ohio 43230

Can Reliant Capital Solutions 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 RCS 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!

Get Free BBB A+ Attorney. Call 475-277-1600 NOW

Unlawful Debt Harassment? Learn the Law & Sue the Collector.

Can you help me file a No Fee Lawsuit against Credit Bureau Systems?

Absolutely. You can sue a debt collector. Here are some Sample Complaints

In 2018, a proposed class action was filed against Reliant Capital Solutions, LLC by a consumer who claims the debt collector falsely stated that her debt amount was increasing. According to the complaint, the plaintiff received a collection letter from the company informing her that “because of interest, late charges, and other charges that may vary from day to day,” the balance of her alleged student loan debt may be higher by the time she makes a payment. The case argues that neither the debt collector nor the woman’s creditor has the authority to “legally or contractually impose” late charges or “other charges” on her debt. Therefore, the complaint continues, the defendant’s statement in the letter was “materially false, deceptive, and misleading” in that it implied the plaintiff would need to pay an additional “undisclosed sum of money” after remitting the amount listed in the letter.

Also, the BBB has posted a notice on the profile page for Reliant Capital Solutions that reads, in part:

“Consumers from across the United States have contacted BBB indicating the Reliant Capital Solutions’ representatives falsely identify themselves as being from a government entity, such as the Attorney General’s office.

“Consumers are advised that it is a violation of the Fair Debt Collection Practices Act to falsely state that a complaint has been filed against a consumer, to fail to disclose that a communication is from a debt collector, to make a telephone call without meaningful disclosure of the caller’s identity or to falsely state and/or imply that the caller is with the attorney general’s office.

“RCS has responded to some consumers indicating they would not be contacted by phone again, or the account was returned or that if the consumer would like the calls to stop they may send a letter asking them not to contact them by phone…”

Consumer complaints confirm this pattern of abuse. For example, in June 2015, a complainant indicated that she had made arrangements with RCS to pay off a delinquent debt over a three-month period. The complainant never “received any paperwork or… receipt of payment for her records” after the debt was satisfied. She indicated that she had called them twice asking for documentation and that they had told him, “‘We will get that right out to you tomorrow in the mail,’” but she never received anything. She was concerned that the debt would be recycled and another agency would hold her liable again. In response, RCS confirmed that after receiving her call for a receipt, “no letter was generated, and the employee who took the call is no longer employed.” As for the second request, RCS “mailed out a letter to the address they have on file, which is consistent with the address the consumer…put on this complaint.” RCS attached a copy to the complaint response and assured the complainant that the new collection item she was concerned about was not the same debt.

Reliant Capital Solutions RCS 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).

Can I sue RCS 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.

Want to Stop Reliant Capital Solutions RCS Debt Collection Harassment Now?

You may have a case, if…

  • You are receiving multiple calls per week from third party collection agencies.
  • You are receiving early morning or late night calls from debt collectors
  • You are receiving calls at work from a debt collection agency
  • Debt collectors are calling your family, friends, neighbors, or coworkers
  • Collectors are threatening you with violence, lawsuit, or arrest
  • A debt collector attempts to collect more than you owe
  • You are being threatened with negative credit reporting
  • A debt collector attempts to intimidate you
  • Criminal accusations are being made towards you
  • Use of obscene language during an attempt to collect
  • Automated robocalls are being made to your phone in an attempt to collect

What Our Clients are Saying

“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.”

“After a few months of frustration with a debt collector, I eventually called Lemberg Law. It was among the best financial decisions I have ever made. Jody and her staff were comprehensive, useful, and above all else powerful. I highly recommend their services and thank them for their continual efforts.”

“I just wanted to let you know we received the check from your office on now and I wanted to take some time to inform you that we really appreciate all of your efforts in this matter.”

Can You Help Me Delete Reliant Capital Solutions From My Credit Report?

In short, the answer is yes. Contact us to find out more.

Share your story

Have you had a bad experience with this agency’s debt collectors? Sound off and share your experience with other visitors in the comment box below.

Sergei Lemberg

About the Author:

Sergei Lemberg is an attorney focusing on consumer law, class actions related to automotive issues, and personal injury litigation. With nearly two decades of experience, his areas of practice include Lemon Law (vehicle defects), Debt Collection Harassment, TCPA (illegal robocalls and texts), Fair Credit Reporting Act, Overtime claims, Personal Injury cases, and Class Actions. He has consistently been recognized as the nation's "most active consumer attorney." In 2020, Mr. Lemberg represented Noah Duguid before the United States Supreme Court in the landmark case Duguid v. Facebook. He is also the author of "Defanging Debt Collectors," a guide that empowers consumers to fight back against debt collectors and prevail, as well as "Lemon Law 101: The Laws That Lemon Dealers Don't Want You to Know."

See more posts from Sergei Lemberg
  • Rakesh S

    I have been getting calls from these Reliant Capital Solution (RCS) people for the past few months and a month ago they even sent me text messages threatening that there s case against me and that I should act quickly.
    My credit history is clean and has been clean for the last 7 or 10 years. No late payment or anything.
    11 years ago I had a disputed AT&T account which someone opened it in my name with my ssn and racked up a balance of $340 which I disputed and never paid. Now these inhumane people at RCS are threatening me that they could re-enable that negative account back into my credit report.
    After that I stopped answering their calls and now they can search my name online and found my ex’s name. Now she s getting the same calls and text messages about the same case.
    Is this really legal in America ? Or is this just me because my name doesn’t sound like many other Americans because I’m an Asian Immigrant.
    Here is the text message that they sent to my ex’s phone number:

    (my name)
    FILING DEPT.NUMBER: 866-413-0434
    FILE/CASE NUMBER: (case number)

  • Kathea

    They call repeatedly over a debt threat I never had and if I did it would be over 10 years old by now.

  • Sharon

    They are trying to tell me that there is a wage garnishment set on my social security number on a debt that is over 15 years old. I asked them if this was a time barren debt, they acted like they didnt know what I was talking about. They then told me it restarted over 6 1/2 years ago. But I didnt sign or agree to anything
    I said it was past its statue of limitations at 6years and they said that they gave them an an extra year. How legit is this, and can they garnish much wages? Help please.

  • Nathalie H

    My husband received a call from RCS asking for me. They want to collect a debt from a check in to cash business that I did over 10 years ago. They told me that I was going to have a civil law suit against me and that if I didnt set up a payment plan , they would serve me papers and then take me to court. The court would garnish my wages or anything that I owned. I’m just wondering If they can sue me for this 10 years later and if this is legit. After interest and court fees they said that I owe 1500 but they would drop it to 900. Is there anything that I can or should do? Thanks

  • Jackie P

    Received a call from someone stating they were from the states attorney general office and they were attempting to collect a debt on personal taxes dating back to 2006, with interest over 14k. I have received refunds several times since 2006, why would they contact me now after 13yrs? I no longer have records from that time. They threatened garnishment and a lien against my home. Not sure where to go from here.

  • Matt H

    I have been getting threatening calls nonstop at the workplace from Reliant Capital Solutions-leaving messages with my fellow employers. this seems unethical and illegal and I wish them to stop ASAP. Please help.

  • Mary

    Reliant Capital Solutions — they are calling my mom’s cell, no idea where they got this unpublished number, they represent themselves as Attorney General’s office. I do owe around 5K in back taxes. Can I win enough in a lawsuit to pay the debt?

  • Diane O

    SO, How Legit is this Reliant? Should I be making payments to them for my student loans?
    I called the Federal Dept Higher Education and the student loan was sold to them.
    Reliant told me if I make $5.00 a month payments for 1 year the loan will be returned to The Department of Education and I then will be considered for loan forgiveness, Does this sound True?
    I am purchasing a Pre-Load Debit card to make these payments so they have no access to my bank accounts. Also each year since 2015 my Federal Taxes have automatically gone toward payment for this outstanding student loan, yet there has been no reduction in the loan amount, actually $10,000 more then original loan amount. They claim this is interest and penalties? I am trying to do the right thing and pay my debts, however I do not want to be ripped off while making these amends. How Reliant is Reliant?

  • william

    Reliant has threatened my wife with wage garnishment for a legit student loan. We were told at 1st over 700..00 per month would be the payment. then after filling out paper work told us 328.00 per month which we agreed. I gave all my info plus my debit card # to make the payments. 7000.00 turned into 10000.00 and we had to pay the 10k. Now they are saying that the debit card will not allow them to take payment. I called bank and they said we had plenty of funds and did not show any attempt by reliant to abstract funds. Reliant insists card does not work and want me to go to walmart and get prepaid visa each month. I told them no way. I called bank again and no attempt was made to take funds. Not sure whats happening here. I don’t trust Reliant.

  • D. H

    I worked with Reliant Capital Solutions in an attempt to keep my wages from being garnished. The day we were entering into the final agreement I was ask what day I wanted to make the first payment. I explained to them my next payday was November 7 and I would need to make the payment then. I was told that if I wanted that long which was a little over a week the garnishment could go through and there would be nothing I could do about it and I would have to pay the garnishment as well as the $264 i agreed to pay them. I explained to them I couldn’t afford the garnishment and the payment to them and would lose my home if that happened. I spoke to a supervisor who basically said I was at fault for the payment needing to be paid on that day. So I let bills go to make this $264 payment, I received a payment receipt from the website as well as a payment confirmation via e-mail from Reliant Capital Solutions. Six days later I received a call from the lady I had been dealing with from time to time who apologized for not telling me how soon the payment would need to be paid and said she had not received my payment and ask me to fax in a copy of my payment confirmation, which I did. I told her the day I had paid it and that I had the confirmation sent from their company stating it was paid. I ask her at this time if I needed to make the payment again because it had not been deducted from my bank account. She said, “No, sometimes when you pay the Department of Education it takes a little longer for us to see it.” Approximately a week or so later I received another call from someone totally different claiming to be with Reliant Capital Solutions trying to get me to work with them. For fear of it being a scam I refused to talk to them and called the company back by with the number I had. It was at this time I discovered the garnishment had been processed and there was nothing I could do to stop it. They continued to get me to enter into another agreement with them saying I would have to pay them for 5 months before they could appeal the garnishment. When I received the paper work from the Department of Education, I discovered the order for garnishment was sent out eight days after I attempted to make the payment and two days after I spoke with the lady from Reliant Capital Solutions who assured me I didn’t need to make the payment. When I called Reliant Capital Solutions about the paperwork I received I was told they had not gotten my payment and had not received the payment confirmation I had faxed them. I faxed them again and when she saw them she told me another department within their company had canceled the payment because when I went to their website I clicked on the wrong link and paid them instead of paying the department of education. I explained to her I did what I was told to do and I didn’t understand why she wouldn’t tell me that when she spoke to me on November 6. She stated it was because another department was the one who canceled the payment and she didn’t have access to see that. I don’t understand how with all the modern technology how one department in a company can’t see when another department canceled a transaction. I never received an e-mail or any notification the payment had been canceled. Now 25% of every of my paychecks are being garnished every two weeks. I filed a complaint and an appeal with the Department of Education explaining to them what happened with Reliant Capital Solutions and ask for a new company to handle my case. When I sent the paperwork in for the appeal the Department of Education sent it straight to Reliant Capital Solutions again and the same non-sense started again. Claiming they didn’t receive paperwork I know I had sent. Then when I told them I sent it they would find it and claim something else was missing. Ultimately, the Department of Education denied my appeal based on them saying documentation they requested was never received and I would not be in any hardship with the garnishment which is simply not true.

  • Julie B

    I have been dealing with a woman from reliance capital solutions. I was informed that my income tax would be offset due to being in default. I was informed that my only option was to refinance the loan and enter into an income driven repayment plan which with my income I would not owe anything. I have been attempting to do the paperwork and get it to this woman, but the paperwork has been rejected twice and I have had to redo. The last time I was provided a fax number that she claimed she only received 2 pages and one was cut off. She then asked me to take a photo of the papers with phone go to the website provided and send it that way, but there is no place to upload documents as she stated there was then I was provided a different fax number. I have a ten year old son with autism and I don’t work due to this. The only income is from my husband’s part time work and child’s disability. We depend on our taxes to make it through the year. I have made every attempt to try and fix this and I don’t know what else to do.

  • Virginia T

    Reliant Capital Solutions started making calls to my home last week stating that I was to call a number immediately that a case would be filed with my country and that they would seek to locate me through other methods by calling my employer etc. They also called other family members and friends and left same threat message Then when I called back last week to finally speak to a guy who left message his name was Shawn Jackson said he was with a company called RCS. Gave me phone 888-202-2109 ext404. And a fax #866 331 1599. And email address., He said they mailed me several weeks ago with no response and that they were engaged by another company which he never told me their name. Took individual told him us call back mi day after checking mail. Received nothing from anyone else and I think this us a scam because they also called my husband and told him to call back by 4on. He didn’t know what to make of it either but never called them back. I have no student loans never went to college, no outstanding medical bills. And suspect that this is a scam related. They have called a family member and friend staying the same message with a case # and a different phone number. I am going to let the guy know if he calls me back that I will file a complaint to the with BBB. And engaged legal experts and suggest they Cease and Desist from calling other people with threats of collection against me or whatever scan action immediately. And I also request that your law firm contact these folks as well to let then know their collection call attempts and threats by phone against me and To family and friends us illegal and violates collection laws according to FDPCA.,etc. Thank you very much

  • Doug K

    I got a letter labeled US Department of Education. Claiming they are going to garnish my wages. However near the end of this letter it says to contact customer service at: Reliant Capital Solutions. I’m asking because my research on the net is showing that Reliant has pretended to be a government agency before. It’s my understanding that they are not allowed to do this. I guess my question is if this is a legitimate letter?

  • Joshua D

    Hi my girlfriend is getting phone calls Reliant Capital Solutions they are calling her mother and grandmother.they say they are from RCS collections and they called her mother and they told her what the phone call was about, aint it against the law to tell someone else the details of the debt they owe. I was wondering what we can do since they disclose the debt with someone else.

  • Debbie M

    Calling 3 to 4 times a day from different numbers .Trying to collect over 29,000 from Lincoln tech from 2010 That was sanctioned from the gov .And shut down .Then offsets done after school closed.A parent company of linclon took out more loans never pd them back or the students .Kept grant money .Loans we’re to be paid off from class action suits.They were taken off credit report with o balance .And all the sudden put back on with Reliant Capital trying to collect twice and with more money said owed for collections And credit bureau s are reporting each loan 3 to 4 times each from over 9 yrs ago causing all negative adverse life altering problems holding back benefits and offsets

  • Robert

    Have received al letter from reliant and wanted to know if it’s legitimate. Also want to know where I can find the information that they have is accurate.

  • Joanna W

    Received a threat of garnishment if I did not respond to US Dept. of Education correspondence within 30 days. Loan was disputed with US DOE Ombudsman Office 15 years ago. Reliant has not properly validated debt: misrepresenting themselves on stationary and website. false statements and threats in single call to manager in Gahanna OH. Have sent me documents and threats over the years demanding various amounts, most were higher than the current request.

    Would like to file or participate in a class action. Thx

  • Mike

    Student Loan dept turned over to collections threatening to garnish check

  • Ron B

    I have been receiving calls about a student loan I took out in 1989. I cancelled this loan 3 days after signing for it. Apparently the school still received the money and I have been disputing it for over 25 years. I have filled out the dispute paperwork countless times to no avail. I received a phone call about a month ago and it was for the same collection. I explained to the man that I have filled out the paperwork several times and asked him to send it again he said sure. I have since not received any paperwork and my check has been garnished. what to do now?

  • Alan P

    I just don’t trust Reliant Capital Solutions or any other collection agency. The principle on my student loan from 1992 is $26,922 (according to them). Now there is interest in the amount of $23,898 and collection costs of $12,369. The government has been taking my income tax for many years now and a couple of years ago my paycheck was garnished for a little over $800.00 over a 4 month period. I am considering calling the Federal Student Loan Forgiveness people. I just need some guidance on this matter.

  • Dawn R

    Question I had the same issue but not the medical problems this student loan was from 2000 and the US government has kept my tax returns for all those years the first in 2008 they took my tax return in excessive of 6000 dollars and when everyone was getting money from the government they kept that saying they will apply it to my student loans this company Reliant capital solutions says if I don’t pay they will take it from my paycheck the government has taken all my tax returns this should be paid off they The Reliant Capital Solutions says they show no record of my taxes being applies to the loan what should I do

  • Debi D

    I received a letter on Jan 10, 2018 from Reliant Capital Solutions Dated Dec 19, 2017. This letter read that I had 30 days to respond with letter disputing the defaulted us dept of education student loan they say they are contacting me about. The supposedly original loan was approx $11,000 and now double with interest.
    I have concerns speaking to them as they appear not trust worthy as well as I have to give them my SS # & other personal info to a basic stranger.
    At this time in my life I have not worked since 2012 as I have been recovering from a botched gallbladder removal surgical procedure that turned into many hospital stays and 16 surgeries since beginning of 2011. 3 were emergency open surgeries to repair damage & others were mainly additional surgical repair procedures all due to my original 2011 botched gallbladder removal. My hospital records prove this and we sued the doctor at REX hospital because I have approx $250,000+ and counting in hospital bills directly from doctor mistake but we lost. The doctor not only cut the wrong duct, he butchered me required me to be sent by ambulance to another hospital to put me back together where I stayed for almost a month. Plus all the other hospital stays after that. In the fine writing of surgical contract there is a .03-05 risk with lapascopic gallbladder removal. After my injuries from dictirs mistake occurred changes have been made to how doctors proceed now because of so many mistakes in the US from this lapascopic procedure. I am still trying to find other ways to get the hospital to pay for all these expenses. And it’s possible I may have to get a new liver in the future if my bile duct rips again as it has many times after the original mistake. As well as i have continued serious health issues that greatly limit by work/living daily life abilities due to muscle and nerve damange and more from all this. Again hospital records and court records prove my injuries and financial burdens. I am working on getting disability.
    There is no way I can repay this student loan if it is in fact an old unpaid student loan. I’m not sure how to proceed. I am nervous about talking to this company and giving out personal info since they appear to be so shady. What should do?

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