Vital Recovery Services or VRS 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 Vital Recovery Services?
Vital Recovery Services or VRS is an Accounts Receivable Management (ARM) and Business Process Outsourcing (BPO) company that specializes in third-party debt collection. VRS has received consumer complaints alleging violations of the Fair Debt Collections Practices Act (FDCPA) such as improper sharing of information and illegal communication tactics. If you have been contacted by VRS regarding past due financial obligations, make sure you understand your rights before taking action.
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Is Vital Recovery Services a scam?
They’re legit. According to the Better Business Bureau (BBB), Vital Recovery Services is a legitimate collection agency, founded and incorporated in 2002. The BBB established VSR’s profile page three months after they were founded. Vital Recovery Services is listed as a collection agency and uses the alternate business names, Vital Solutions, LLC; Vital Debt Recovery; and Vital Recovery Debt Services.
Who does Vital Recovery Services collect for?
According to its website, Vital Recovery Services “provides customized outsourcing solutions for various industries, with specialized programs in the Automotive Finance, Credit Card, and Utilities industries as well as contingency collections programs for Insurance Companies, Real Estate Lenders, and Government Municipalities.”
VRS is comprised of two wholly owned subsidiaries: “Vital Outsourcing Services, Inc., which performs first party customer care and delinquency management services; and Vital Recovery Services, LLC which is a fully licensed, national, third-party collection agency performing bad debt recovery and skip tracing services.” In addition, VRS’s BPO division offers “lettering and statement services via a licensing agreement with a multi-purpose, vertically integrated print and mail shop.”
Vital Recovery Services’s third-party collection division, Vital Recovery Services, LLC, provides “recovery services ranging from early stage to warehouse accounts for any client…[with] customized programs for the following industries”: automobile finance; credit card, bank card, retail and consumer loan; utility companies; real estate lenders; and government municipalities.
VRS cites certification, licensing, and compliance with the International Association of Credit and Collection Professionals (ACA International) and other major professional associations. However, their client-facing website does not provide references or links 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 Vital Recovery Services?
In the past three years, the BBB has closed 38 complaints against Vital Solutions, with 15 closed in the past 12 months. Most of the complaints allege problems with billing and collection. Since August 2015, the Consumer Financial Protection Bureau (CFPB) has received 10 complaints against VRS. Justia lists at least 13 cases of civil litigation naming VRS as a defendant.
Can Vital Recovery 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 VRS 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 Vital Recovery Services show a tendency toward abusive and demeaning telephone conduct. In February 2017, a complainant indicated he had been contacted by an automated dialing system and a robotic voice message asking for an 11-digit account number from correspondence. The complainant indicated he had not received any correspondence and did not have any outstanding debts. Eventually, he was able to navigate the automated phone response system and contacted a representative he described as “extremely rude.” He explained to her that he didn’t understand why he was receiving automated calls and she allegedly replied, “I am very busy and I don’t have time for this,” before hanging up. In response, VRS management issued a boilerplate statement that “it is not the policy of Vital for any agent, representative, or associate to be rude or unprofessional in any capacity” and apologizing “for any inconvenience you may have experienced.” His phone number was deleted from their database and phone contact to this complainant was ceased.
Similarly, in February 2017, a complainant reported that she had been contacted repeatedly by a VRS agent who called and hung up several times before identifying herself. When the complainant called Vital Recovery Services to resolve the issue, he was connected to a manager who “completely disregarded my concerns about FDCPA violations by his staff… [and told the complainant,] ‘I will just put this call in as a refusal to pay since you clearly will not be doing so.’” Finally, when the complainant requested written verification of the debt, the manager “proceeded to laugh and tell me that I already verified the debt by identifying myself.” In response, VRS offered its boilerplate statement that it “is not the policy of Vital for any agent, representative, or associate to be rude or unprofessional in any capacity,” followed by a statement that written documentation had been mailed out and that all efforts to make contact by telephone would cease and desist.
Here are some past Press Releases of Lawsuits Brought On By Lemberg Law Against Vital Recovery Services
November 17, 2015. Leasing a car can be a smart move, but it’s not uncommon to go back and forth with the dealer or manufacturer at the end of the lease. Our client tells Lemberg Law that he fulfilled his lease, but then got a letter from BMW entitled, “Notice and Invoice for Excess Wear and Tear.” The letter said that our client owed $872.
Our client wrote to BMW disputing the debt, but within about a four-month period, BMW sent our client’s account to Vital Recovery Services for collection. Vital Recovery Services started calling our client, and the following week, BMW offered to settle the account for $610 providing our client paid within a two weeks.
Our client went ahead and paid that amount to BMW, but when he checked a couple of weeks later his account still showed an outstanding balance for the difference between the original amount and the settlement amount. So, he wrote a letter to BMW asking that the correct the error.
While all of this was happening, Vital Recovery Services kept calling our client over and over again. During one conversation, Vital Recovery Services said that our client’s account had been credited for $261, but that he still owed $610. Vital Recovery Services even faxed him a letter saying that he owed $610. Remember, our client really had a zero balance.
As if that wasn’t enough, Vital Recovery Services called our client’s mother and told her that our client owed a debt.
Our client wrote to Vital Recovery Services disputing the amount owed, requesting verification of the debt, and telling them to stop contacting him. About a week later, he received a letter from BMW saying that he didn’t owe them anything. Still, Vital Recovery Services kept trying to collect a debt that our client didn’t owe.
On behalf of our client, we recently filed a complaint in U.S. District Court, Central District of California. The case charges Vital Recovery Services with violating state and federal law and asks for $1,000 in statutory damages, plus other relief.
This lawsuit charges that Vital Recovery Services violated the Fair Debt Collection Practices Act (FDCPA) by engaging in harassing behavior; by communicating with people other than our client regarding a debt; by using false, deceptive, or misleading representation in connection with the collection of a debt; by misrepresenting the character, amount, and legal status of a debt; by using unfair and unconscionable means to collect a debt; by attempting to collect an amount that was unauthorized by agreement or law; and by failing to send a validation notice. It also alleges violations of California’s Rosenthal Fair Debt Collection Practices Act.
Vital Recovery Services 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 VRS 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 was so excited when you told me about the positive outcome of the lawsuit. If the need ever arises again, I will not hesitate to call your office or recommend your law services to a friend in need.”
“Thank you, thank you, thank you! I couldn’t be happier with all the hard work your office has done for me. I feel throughout the whole process I was kept informed, and my questions were always answered completely. The calls have stopped, I no longer have a mountain of junk bills piling up, and I owe it all to Lemberg Law.”
“I found your website. I filled out the information and much to my surprise received a call back within the hour. She listened intently and addressed each one of my concerns. She immediately forwarded me an email and advised I would not be charged for services rendered. She made me feel confident and assured, and that someone was in my corner.”
Can You Help Me Delete Vital Recovery Services 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.