Viking Client Services LLC or VCS 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 Viking Client Services?
Viking Client Services or VCS is a third-party collection agency based in Minneapolis, MN. VCS has received consumer complaints alleging violations of the Fair Debt Collections Practices Act (FDCPA) such as attempting to collect debts not owed and failing to provide verification of debts. If you have been contacted by VCS regarding past due financial obligations, understand your rights before taking action.
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Is Viking Client Services a scam?
They’re legit. According to the Better Business Bureau (BBB), Viking Client Services, Inc. is a billing service, insurance claim processing service, and collection agency. The BBB established a profile page for VCS in 1990. Buzzfile estimates Viking Client Services’ annual revenue at $36.0 million and the size of its headquarters staff at 325 employees.
Who does Viking Client Services collect for?
According to its website, Viking Client Services was founded in 1969 and “offers a full range of recovery solutions for large, regional and community banks, insurance companies, debt buyers and other financial establishments across the United States.” Specifically, VCS has three divisions: payment processing, insurance subrogation, and debt collection and recovery.
VCS’ payment processing division acts as a “protected and affordable online payment-solution provider” offering “data reporting tools…customizable interface…and the highest standards for both security and usability.” Their insurance subrogation division employs “agents specifically dedicated to insurance subrogation…to provide expert management of the entire subrogation process.”
VCS’ collection staff provides “recovery solutions across multiple industries… [to make] sure that the collection process is both effective and empowering.” Their collections division employs a staff of over 150 collectors to service accounts for consumer bankcard accounts; installment loans; automobile deficiencies; insurance subrogation collections; pre-legal collections; and high balance accounts.
Viking Client Services is a client-focused company with a client-facing website. They do not provide online information about their compliance policies or training programs, and there are no 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 Viking Client Services – VCS?
In the past three years, the BBB has closed 86 complaints against Viking Client Services, with 34 closed in the past 12 months.Most of the complaints allege problems with billing and collection; however, there are also a lot of complaints alleging problems with advertising and sales. Since May 2015, the Consumer Financial Protection Bureau (CFPB) has received 25 complaints against VCS. Justia lists at least 10 cases of civil litigation naming VCS as a defendant.
Can Viking Client Services 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 VCS 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 2017 Viking Client Services, Inc. was the defendant in a proposed class action filed by a New Jersey woman who claimed the company violated the Fair Debt Collection Practices Act (FDCPA). The plaintiff alleges the defendant sent consumers collection notices for obligations owed to PNC bank that falsely claimed the Internal Revenue Service requires debt forgiveness of amounts $600 or higher to be reported to the agency.
On more than one occasion, consumers have complained about collection notices from Viking indicating they owe past due amounts for damage to rental cars that had been returned to the car rental companies in undamaged condition. For example, in June 2017, a complainant indicated that he had received a notice from Viking Client Services for a debt resulting from damage to a rental car earlier the same year. The letter did “not reflect any… supporting documentation or proof of damages, however it does request that the complainant remit payment.” The complainant attempted to contact VCS by “telephone; however, they are not open on the weekends.” The complainant looked for an email address, but the “letter…only reflects a telephone number and a mailing address for written correspondence.” After contacting the car rental company, he “was told that all damage claims are sold to VCS for collection and that he would need to speak directly to them. The complainant also documented that “the vehicle was inspected at the time of the rental return and that no damages were noted on the rental receipt, nor did he receive a letter or telephone call” informing him of any damages.
Similarly, in March 2017, a complainant indicated his attorney had sent a letter to a car rental company requesting evidence for their claim that the car had been damaged, which he insisted was not the case. Subsequently, VCS began sending collection letters for the alleged debt. Although the complainant insists that he returned the vehicle “without any issues and …inspected it with the car rental agency employee,” he received in response to his dispute a letter stating, “there was an accident, collision, to the vehicle, and that he is responsible for $1300.00 for said damages.” None of his attempts to contact the car rental company or Viking Client Services were returned.
Viking Client Services VCS 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 VCS 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 Viking Client Services Debt Collection Harassment Now?
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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.