Rushmore Service Center LLC or RSC 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 Rushmore Service Center?
Rushmore Service Center or RSC is a third-party collection agency based in South Dakota. RSC has received complaints alleging violations of the Fair Debt Collection Practices Act (FDCPA), including improper contact or sharing of information and using false or misleading information in an effort to collect a debt. If you have been contacted by Rushmore Service Center, understand your rights before responding.
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Is Rushmore Service Center a scam?
They’re legit. According to the Better Business Bureau (BBB), Rushmore Service Center, LLC is a legitimate collection incorporated in 2009 and started in 2011. The BBB established a profile page for RSC in 2015. Buzzfile estimates RSC’s annual revenue at $170,122 and the size of its headquarters staff at 6 employees.
According to its website, RSC“is a nationally licensed collection agency…dedicated to delivering superior performance, outstanding regulatory compliance, and building strong customer relationships while serving not only our clients but our community.”
RSC’s “enhanced analytical capabilities allow us to construct models that result in superior contact rates and to successfully target debtors who are most likely to pay.” RSC management uses several tools and methods to maximize return on investment, including “latitude debt collection software; …advanced technology platforms with ongoing reviews and upgrades; …SAS business analytics software; predictive and automated dialing; high level quality control/regular audits; and continuous training and monitoring.” In addition, RSC advertises its responsiveness to clients via services such as “dedicated and ‘on call’ contact availability; daily online reporting via 24/7 web access; and …customer status reports.”
Who does Rushmore Service Center collect for?
Rushmore Service Center does not specialize in any one area of delinquent accounts, instead providing “third party collection services across multiple lines of business,” including credit card, healthcare, retail, purchased debt, utilities, and government. In addition, RSC provides “first-party collection work to the above listed industries with exceptional performance at competitive prices.”
As for compliance, Rushmore Service Center cites “substantial resources available to ensure all collection activities are performed in accordance with the FDCPA, applicable state laws, client work standards, and internal policies and procedures, including several measures to… ensure… highly compliant results while minimizing risks associated with data security.” Their website does not provide a consumer resources page, and their Contact Us form fails to include a disclaimer identifying them as a debt collector. However, they have included a link to the Federal Trade Commission’s (FTC) information page about the FDCPA at the bottom of their Frequently Asked Questions page.
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 Rushmore Service Center – RSC?
The BBB has closed 5 complaints against Rushmore Service Center in the past three years, with 1 complaint closed in the past 12 months. All of the complaints allege problems with billing and collection services. They have also received 4 negative reviews. Since April 2015, the Consumer Financial Protection Bureau (CFPB) has closed 11 complaints against RSC. Justia lists at least 4 cases of civil litigation involving Rushmore Service Center.
Can Rushmore Service Center 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 RSC 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!
Complaints against Rushmore Service Center commonly cite problems with hostile and aggressive collection tactics that potentially violate the FDCPA. For example, in December 2017, a complainant indicated an RSC employee had been contacting him at his place of employment even after he had repeatedly asked them not to. In addition, the complainant indicated that after researching the matter, he discovered that RSC was attempting to collect a debt that was already paid.” Thus, the complainant reported two violations against RSC: “not only have they harassed me at my place of employment, but they have a debt that has been paid.”
In March 2017, a complainant indicated that Rushmore Service Center representatives had repeatedly called a mobile number he had just acquired. Because the number was brand new to the complainant, he claimed that “therefore he has … no connection to this company.” When the complainant called RSC back to resolve the problem, the representative “immediately demanded his name and social security number.” After he “verified his phone number with them and explained that since this was a new number…he had nothing to do with them, …they continued to demand… personal information and became rude and aggressive when he told them to stop calling.” The RSC representative allegedly “refused to say anything other than they were a debt collector trying to collect.”
In April 2016, a complainant alleged that RSC representatives had been placing “harassing and threatening telephone calls and…threats…in regards to …a debt of $400.00.” The complainant claims not to have “applied for or opened a credit card account” and that the “account is unauthorized and fraudulent.” The complainant indicated that he was “a victim of identity theft… and that he had filed a police report,” and had provided Rushmore Service Center with a police report number.
In February 2016, a complainant who claimed not to have owed “debt to anyone for over the last twenty or more years” had been receiving “at least four calls a week” from RSC. The complainant said he had not been answering calls identified by caller id, but that the “calls from them have been going on for several months now and they need to stop.” The complainant indicated he “suspected they have the wrong number and need to correct their file.”
In response to these complaints, Rushmore Service Center indicated that they either disputed the facts of the complaints or believed they had“acted appropriately as authorized by contract or law.”
Rushmore Service Center RSC 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 RSC 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.
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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.