Superlative RM Comstock Holdings or SRM 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.
Superlative RM Comstock Holdings (SRM) is a third-party collection agency based in California. SRM has received consumer complaints alleging violations of the Fair Debt Collection Practices Act (FDCPA), including failing to verify debts and attempting to collect debts not owed.If SRM has contacted you about past due financial obligations,make sure you understand your rights before responding.
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Is Superlative RM Comstock Holdings a scam?
They’re legit. According to the Better Business Bureau (BBB), Superlative RM Comstock Holdings is a collection agency that uses the alternate business name, Superlative Bis. The BBB established a profile page for SRM in 2006. Buzzfile indicates that SRM was founded in 2008 and provides a secondary web address for this collection agency at www.resolvemyaccount.com.
According to its website, SRM”is an industry leader with financial strength, proven effective operating strategies, and a cultured work environment.” SRM describes itself as a “strategic partner…who can expertly handle customer relationships and accounts receivable management.”
Who does Superlative RM collect for?
Superlative RM accepts delinquent accounts from a variety of businesses and industries, including financial services companies, automotive lenders, healthcare service providers, and debt buyers. SRM states that they are “specialists in outsourced debt collection and provide helpful repayment solutions and friendly service while achieving faster and more complete collection results for business customers.”
SRM is a full-service collection agency that provides a range of third-party services, including post charge-off recoveries; pre-charge-off recoveries; past due call campaigns; pre and post charge-off letter campaigns; skip-to-collect services; skip location; billing and customer care; debt acquisitions; and a national network of attorneys.
SRM claims to have a “robust compliance program, coupled with …extensive and state-of-the-art technological infrastructure.” SRM states that “in a heavily regulated industry such as Accounts Receivable Management…with increased scrutiny from both federal and state regulators,…creditors must align themselves with a reputable and sophisticated agency.”
SRM has posted on its Consumers page the logos of the Consumer Financial Protection Bureau (CFPB); the Debt Buyers Association (DBA International); the California Association of Collectors (CSAC); and the International Association of Credit and Collection Professionals (ACA International). They have also placed a “Mini Miranda” statement at the bottom of the page, identifying themselves as a debt collector. However, the logos cited above do not link site visitors to these agencies; and the SRM website does not provide any further links or references to consumer protection resources, laws, or enforcement 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 Superlative RM Comstock Holdings?
As of January 2019, the BBB has closed 4 complaints against Superlative RM in the preceding 3 years, with 1 complaint closed in the previous 12 months. Almost all of those complaints cited problems with billing and collections. Since April 2015, the Consumer Financial Protection Bureau (CFPB) has closed 5 complaints involving SRM, all of them attributed to a company known as Terrill Outsourcing Group. Justia does not list any cases of civil litigation involving SRM.
Superlative RM Comstock Holdings 9355 East Stockton Blvd, Suite 210 Elk Grove, CA 95624 Telephone: (888) 558-0692 Website: http://www.superlativerm.com/
Can Superlative RM Comstock Holdings 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 SRM 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 Superlative RM cite problems resulting from telephone calls and collection letters that may violate FDCPA provisions. In December 2018, a complainant indicated that he had received a “threatening letter… demanding that he pay $1,758.27 to” SRM. The complainant stated that he had “no knowledge of this debt and does not like to be threatened with letters from an unknown creditor for an unknown debt which does not belong to” him. He stated that he would be “sending this threatening letter from…SRM to the government agencies that handle threatening letters from debt collectors.” He also requested that SRM “never contact him again and never send him any threatening letters in the future.” He concluded by telling SRM that if they continue to contact him, he “will take legal action.” In response, SRM stated that they are a “licensed debt collection agency,” and that the “account…referenced in the complaint was placed with Superlative RM for contingency collections on 11/14/2018.” SRM stated that they had “first attempted contact with the complainant on 11/16/2018, utilizing the attached letter,” and that “no other contact was established.” SRM also stated that they had “closed the referenced account and returned it to their client.” They also stated that “no further efforts will be made by SRM to contact” the complainant.
In October 2017, a complainant stated that SRM had “called her place of work asking for” her. The complainant stated that her “coworker said she could not receive phone calls at work,” but SRM “insisted on still speaking and asking for her name and… the last four digits of her social security” number. The complainant’s coworker “insisted that the complainant could not receive personal calls at work, but the person on the phone then gave the last four digits of the complainant’s social security number and asked” for confirmation that it was the complainant’s information. The complainant also stated that SRM had made “phone calls every hour on the hour with an unknown number” without leaving a message. In response, SRM stated that “their employees… adhere… to all requirements of the FDCPA and state laws.” They also stated that SRM “records all calls, and prior to any conversation, every collector states to every consumer that the call is being recorded.” SRM agreed that they had tried to reach the complainant at her place of employment but insisted they had not violated any laws. However, they agreed to cease all efforts to contact the complainant by phone.
Superlative RM Comstock Holdings 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 Superlative RM 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.
For the last few weeks this company Superlative RM has contacted myself and my sister alleging that I have an account with them. I have advised them when they called my cell phone that I will not provide my personal information to a company with which I did not contact personally nor have any dealings with them whatsoever. When they called again this morning the person on the line then proceeded to state the last four of a social which I would not confirm as my own. Her response was that she just needed a yes or no so that she could proceed. I also have a recording of the voicemail that was left on my sisters phone in which they were threatening to send someone out to take further action
This company Superlative RM did all of the above First they called my son LATE at night….and it scared him …….and because I recently moved and the original creditor was NOT given new information. I am a 68 year old woman and live some distance away from him. The person asks for me and my son tells them who he is but this person would NOT identify who or what he was or what the problem was. First of all the original creditor had that information of my sons but how and why is this company able to access that Then my son gets concerned and tells me about it so I reassure him I don’t have any outstanding debts and no I am ok I don’t know what it is so I call the number and give this person my name He has my DOB which is also not good Living on Social Security this is a big concern Many people try to scam and steal identities of senior citizens. I am trying to figure out what debt this is I don’t have anything but my car and its up to date My son immediately thought it was that so I am sitting here waiting for this person to tell me what this about Come to find out it is a CLOSED account that I have been disputing for TWO YEARS I have tried to deal with the original creditor and during the dispute they have continued to charge me interest on top of interest and fees etc on and on til they finally charged it off after I reported to the BBB their harassment and horrible treatment I wont mention the name of the original creditor not important Point is the original creditor refused to negotiate and most companies charge off debts after a period of time They themselves said 7 months but this has been going on for two years and the only reason the debt kept going up is because they refused to settle or negotiate and continued to add fees…which was my dispute in the first place. Heres the bottom line if I didn’t pay THEM I certainly am not paying this debt collector but the worst part is the verbal abuse I took I hung up but I already have sent them an email to STOP and desist and by law they have to comply I know this I didn’t get to be 68 years of age without learning something plus in this day and age with privacy concerns this is NOT acceptable behavior I don’t have the funds to hire attorneys etc If I had money I would have paid the debt….Word to the wise if you have less than perfect credit and below standard income and you go to these bogus high interest easy credit online companies oh they will give you credit and you can be a good customer FOR YEARS but miss one payment or have any dire circumstances and you start a ball rolling you will NOT recoup from I already had less than perfect credit I live on SS There isn’t anything they can do PLUS I am near the end of my life….so they can go sit and spin…just very humiliating and frustrating on top of it