Revenue Assistance Corporation or RAC 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 Revenue Assistance Corporation – RAC?
Revenue Assistance Corporation (RAC) is a third-party collection agency based in Cleveland, OH that specializes in healthcare collections. RAC has received consumer complaints alleging violations of the Fair Debt Collections Practices Act (FDCPA) such as illegal communication tactics and failure to provide verification of debts. If you have been contacted by RAC regarding past due financial obligations,understand your rights before responding.
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Is Revenue Assistance Corporation a scam?
They’re legit. According to the Better Business Bureau (BBB), Revenue Assistance Corporation was founded and incorporated in 1994 and is currently listed as a collection agency. The BBB opened its file on RAC in 1996. Buzzfile estimates RAC’s annual revenue at $24 million and the size of its staff at 200 people.
According to its website, RAC is “a leading accounts receivable management company…founded with a commitment to exceeding client expectations while maintaining an exceptional industry reputation.” RAC is the “leading business process outsourcing agency,” offering a variety of services for “organizations of all sizes and from all industries.”
RAC’s contact management center outsources trained sales staff “experienced in providing high quality, consistent customer service.” Their Medicaid eligibility team assists “self-pay patients with a variety of financial assistance programs.” Their business continuity team provides disaster relief and support.
RAC’s third-party collections division “deploys a number of products and processes to optimize performance within our collection process.” Their proprietary account screening process “ensures that the necessary information is readily available, allowing the focus of efforts on collecting rather than gathering information,” and includes the generation of “a second effort on accounts where recovery is still possible.”
RAC’s extended business office services provide “an offsite extension of clients’ business offices to manage…account receivable services,” allowing “effective account resolution to reduce outstanding receivables.” RAC also offers medical billing, medical coding, and supply chain management solutions.
RAC’s “compliance program ensures adherence to bulletins, regulations, and guidelines that apply to billing and debt collection…and is compliant under the Health Insurance Portability and Accountability Act of 1996 (HIPAA).”However, RAC’s site is entirely client-facing and does not offer links or references to consumer protection laws, resources, 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 Revenue Assistance Corporation – RAC?
In the past three years, the BBB has closed 17 complaints against Revenue Assistance Corporation, with 4 closed in the past 12 months.Almost all of the complaints alleged problems with billing and collection. Since March 2015, the Consumer Financial Protection Bureau (CFPB) has received 35 complaints against RAC, and Justia lists at least 6 cases of civil litigation naming RAC as a defendant.
Can Revenue Assistance 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 RAC 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!
Unlawful Debt Harassment? Learn the Law & Sue the Collector.
Can you help me file a No Fee Lawsuit against Revenue Assistance Corporation – RAC?
Absolutely. Here are some Sample Complaints
Complaints against Revenue Assistance Corporation allege aggressive telephone tactics, and many of RAC’s responses to consumer complaints on the BBB site tend toward argumentativeness, defensiveness, and attempts to shift blame onto the consumer. For example, in January 2015 a complainant alleged that RAC had used “very strong-arm tactics in their collection process.” During the first phone contact, the complainant alleged that the representative “was rude from the start, and when the complainant asked her to state her business…she did not… and when the complainant asked to speak with a… supervisor, … she repeatedly refused.” The complainant finally reached a supervisor on the third call and explained “that the amount in question was incorrect” and that the complainant would prefer to speak to the original creditor. In response, an RAC representative indicated that “the recordings of the calls show an abusive and condescending attitude on the part of the complainant”; and that “during a recorded call the complainant stated, ‘that he paid the account last week,’ but that when asked for the payment information, he terminated the call.”The RAC representative also stated that, “our clients hire us to hold debtors accountable. All of our contacts and work fall within the Fair Debt Collection Practices Act. The complainant adds conjecture that we are a mediocre agency in his complaint. But as you can clearly see in our profile, we carry an A+ rating with the Better Business Bureau.”
The complainant responded by posting details of the offer he had made in his earlier complaint, and stated that “since a full certified transcript was not provided I have no way to prove or disprove the writers information, so I stand by my statement and have filed my complaint accordingly.” He also posted a link to additional consumer complaints to counter RAC’s rebuttal to his comment that RAC “claims to be the perfect company.”
An RAC representative again replied to this rebuttal, stating the complainant “is not my client, this is not a customer service issue, he is a debtor that was held responsible for his actions, and is not happy that he is not getting his way. As a result of holding the complainant accountable to my client, his balance was paid.” The RAC representative concluded by stating that “my position in my original response has not changed. Should you have any further questions or concerns please feel free to contact me at your convenience.”
Revenue Assistance Corporation RAC 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).
But here’s the rub: If you want to enforce your rights, or recover money for violations — you need to sue. These 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.
Stop Debt Collection Harassment
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 friends, neighbors, or coworkers
Collectors are threatening you with violence, a 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
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“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 Revenue Assistance Corporation – RAC 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.