Virtuoso Sourcing Group LLC 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 Virtuoso Sourcing Group?
Virtuoso Sourcing Group (VSG) is a third-party collection agency based in Colorado. VSG has received consumer complaints alleging violations of the Fair Debt Collection Practices Act (FDCPA), such as failing to provide written verification of debts and threatening to take actions that cannot legally be taken. If VSG has contacted you about delinquent collection items, make sure you understand your rights before taking action.
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Is Virtuoso Sourcing Group a scam?
They’re legit. According to the Better Business Bureau, Virtuoso Sourcing Group, LLC has been in business for 20 years, opening locally in 1997, and incorporating in 2009. Buzzfile reports their founding date as 2008, annual revenues of $4.4 million, and a staff of 52 people.
Who does Virtuoso Sourcing Group collect for?
Virtuoso Sourcing Group is a debt collection agency that specializes in collecting student loan debt; utility bills; consumer credit services; financial services; and government debt.
VSG has extensive history of harassing consumers over debts. According to their website, their approach to consumer relations is based on their belief that customers “spoiled with simplicity, connectivity, and instant gratification” should enjoy the same customer satisfaction experience if they are referred to collections. Their consumer relations efforts focus on telephone contact; collection letters; and web-based payment portals. They cite among their strengths Fair Credit Reporting Act (FCRA) compliance when reporting to the credit reporting agencies; letter-writing strategies that are fully compliant with the Fair Debt Collections Practices Act (FDCPA); and technology-based analytics that guarantee higher returns and more effective skip tracing.
As for regulatory compliance, their website indicates that they are nationally licensed as a collections agency; compliant with the FDCPA, the FCRA, the Telephone Consumer Protection Act (TCPA), the Health Information Portability and Accountability Act (HIPAA), the Federal Information Security Modernization Act (FISMA), and PCI regulations ensuring the security of online payments. They are also members of the Association of Credit and Collection Professionals (ACA), and have an A+ rating as an accredited business with the BBB. However, like the websites of many collection agencies, this site appears to be designed more to attract clients seeking collection agencies with high success rates closing out delinquent accounts, than to demonstrate a dedication to ensuring consumer protection laws are not violated. There are no consumer resources on the site. Aside from the mention of the federal laws above, there is no explanation of how these laws protect consumers or what consumers can do if they are concerned about illegal collection practices.
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 Virtuoso Sourcing Group?
The BBB lists a total of 83 complaints against Virtuoso Sourcing Group. Of these complaints, 26 have been closed to the satisfaction of the complainant; 57 of the complaints indicate that the complainant either was not satisfied with the response or did not follow up any further. Three of the four reviews are negative. Many of the complaints center around issues of compliance with the FCRA regarding items reported to the credit reporting agencies, or problems resulting from attempts to collect unverified debts. Justia lists at least 5 cases of civil litigation in which VSG was named as a defendant.
Can Virtuoso Sourcing Group 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 VSG 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 2012, the United State District Court, Southern District of Indiana, Indianapolis Division, ruled on a motion for class certification. The plaintiff in this case sought to recover damages for violations of the FDCPA “alleging that a debt collection letter she received from Virtuoso…demanded payment of a delinquent consumer debt…but failed to contain the name of the creditor to whom the debt was owed as required by the FDCPA.” To reclassify the case aa a class action, the plaintiff had to prove that a sufficient number of consumers could have been included in the claim; that the offenses were common to all members of the proposed class; that counsel could have competently represented the entire class; and that the claims of the members of the proposed class were typical across all cases in the class. Virtuoso offered objections on all four counts. However, the plaintiff was able to demonstrate that at least 40 people had received a similar letter, the minimum required for a class action; that Virtuoso’s use of form letters in this claim answered the objection that the offense was not common to all members of the class; and the court affirmed that the plaintiff was an adequate representative. The central argument of the case revolved around whether the plaintiff’s complaint was typical of other complaints in the proposed class. Although Virtuoso objected on the basis that they “do not send form collection notices,” this objection was rejected, with the court insisting that “Virtuoso admitted that during the Class Period [they] sent at least forty collection notices to individuals that failed to contain the name of the creditor to whom the debt was owed,” which they blamed on a “‘glitch in working with a new vendor.’” As a result, the court granted the plaintiff’s motion for class certification.
Here are some past Press Releases of Lawsuits Brought On By Lemberg Law Against Virtuoso Sourcing Group LLC
October 10, 2015. On behalf of our client, Lemberg Law recently filed a complaint in U.S. District Court, Western District of New York. The case, against Virtuoso Sourcing Group, charges the debt collection agency with violating federal law and asks for $1,000 in statutory damages, plus other relief.
When a debt collection agency calls, it can be embarrassing. When a debt collection agency calls your girlfriend about a debt you supposedly owe, that embarrassment triples. Yet our client says that Virtuoso called his girlfriend in an attempt to collect a debt that he owes. Our client happened to answer the phone, and told Virtuoso that he didn’t live with his girlfriend and to stop calling him at her phone number. That didn’t stop them, though, as they continued to call his girlfriend.
The lawsuit charges that Virtuoso Sourcing violated the Fair Debt Collection Practices Act (FDCPA) by engaging in harassing behavior; by contacting our client’s girlfriend for a purpose other than to confirm or correct information about where he was located; by using false, deceptive, or misleading representation in connection with the collection of a debt; and by failing to inform our client that the phone call was an attempt to collect a debt.
Virtuoso Sourcing Group 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 VSG 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.
“I just wanted to take a moment to say thank you! Being in debt is hard enough without being harassed by collection agencies, but thanks to you I no longer have to be a victim. I did not know what to expect when I emailed your company, but from the beginning you guys were on the ball.”
“I would like to thank you and your staff for all the help you’ve provided to me. Honestly, you have a wonderful staff that has dealt professionally and been very empathetic at a time in my life when I hit a speed bump.”
“I never thought I’d finally be free of the nonstop phone calls and letters in the mail, but I finally am free. You went to work straight away, and I saw results fairly quickly. I felt like you really cared about getting me the relief I longed for. I can not thank you enough.”
Can You Help Me Delete Virtuoso Sourcing Group from My Credit Report?
In short, odds are good we can. Call us to today and we’ll tell you how we can help.
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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.