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.
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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.
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!
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?
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Can You Help Me Delete Reliant Capital Solutions From My Credit Report?
In short, the answer is yes. Contact us to find out more.
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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.