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Capital Recovery Systems Inc or CRS is a third-party collection agency based in Ohio that specializes in collecting delinquent debts for government agencies. CRS has received consumer complaints alleging violations of the Fair Debt Collection Practices Act (FDCPA), including illegal communication tactics and attempting to collect debts not owed. If you have been contacted by Capital Recovery Systems, make sure you understand your rights before responding
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According to the BBB, Capital Recovery Systems, Inc. was founded and incorporated in 1997. The BBB established a profile page for CRS in 1998. CRS is listed as a collection agency. Buzzfile estimates CRS’s annual revenue at $6.8 million and the size of its headquarters staff at 4 employees.
According to its website, Capital Recovery Systems “is a collection agency, exclusively serving government municipal and county clients.” CRS “offers a customizable solution…with recovery rates that average 2.5 times better than the industry norm.” CRS cites its recovery rates and client testimonials as evidence of its professionalism. CRS’s mission is to “provide…clients the most effective and technologically sound methods of collecting their delinquent receivables, while maintaining and preserving the relationship with their constituents.”
Capital Recovery Systems is “primarily focused on local government collections, with a specialty in collecting delinquent court cases, parking tickets, and taxes.” CRS offers a “No Cost Court Collection Program…in any state which has a statute that allows a court to add CRS’s collection fee…to the current balance of any delinquent case…assigned to CRS. CRS… also takes zero commission until the case has been collected in full.”
CRS’s exclusive focus “allows…for constant improvement of…services,” and strives to act as “more of a ‘customer support and service center’ for local governments than we are a collection agency.” In addition, Capital Recovery Systems “management and staff are well educated on laws that govern third-party debt collections” and do not tolerate or condone “violations of the Fair Debt Collection Practices Act (FDCPA) or other applicable federal or state guidelines.” CRS claims to have a “record of never having been sued, sanctioned, or fined for any violation in 15 years.”
The BBB has closed 10 complaints against Capital Recovery Systems in the past three years, with 2 complaints closed in the past 12 months. All of those complaints allege problems with billing and collections. Since July 2016, the Consumer Financial Protection Bureau (CFPB) has closed 3 complaints against CRS. Justia lists at least 6 cases of civil litigation involving Capital Recovery Systems.
Capital Recovery Systems, Inc.
750 Cross Pointe Rd., Ste. S
Gahanna, OH 43230-6693
Telephone: (614) 575-0590
It is illegal for a debt collector to threaten to sue you or garnish your wages. It is also unlikely Capital Recovery Systems 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!
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Absolutely. Here are some Sample Cases
In November 2017, a complainant indicated she had received a collection notice from Capital Recovery Systems for an alleged parking violation. The complainant indicated the letter was “likely computer generated and so poorly written that it appears to be a scam.” The notice did not provide any information on the alleged violation, such as “the vehicle, the date of…the violation, infraction code, license plate number, or where the … violation occurred.” The notice identified the creditor as “BINGHMAMTON PARKING,” but the complainant indicated she had not “set foot in any city by this name or anything similar to it in over 30 years.” In addition, she described the letter as “intimidating and threatening, and did not provide any factual substance, assuming ‘guilt.’” The complainant described CRS as “a debt collection business that does not even try to find the actual alleged debtor, but preys on unsuspecting parties.” She indicated the letter came “across as a scam to strong-arm small amounts of payment from duped victims, who will pay without objection, without looking into the allegation,” and indicated her intent to take legal action if she discovers the tactics she was subjected to are common.
CRS’s response began with a fairly lengthy preamble that provided information about the company using a somewhat defensive tone that cited many of their strengths, such as taking “great pride in doing our best to comply with all laws and because of that we very rarely receive a complaint.” Next, the Capital Recovery Systems representative indicated that he had investigated the complaint. He confirmed that the “City of Binghamton is a longtime client… and that the cases it sends…involve outstanding parking violations.” The parking violation that was the subject of the complaint was sent to CRS in November 2015 for a violation that occurred in December 2007. “According to the limited information provided” to CRS, the license plate was registered in New York, and CRS initially sent a letter to the address of record. The letter was returned to Capital Recovery Systems, with a new address in New Jersey indicated on the return-to-sender notification. Capital Recovery Systems re-sent the letter to the New Jersey address, and the CRS representative indicated that this “must be the letter that the complainant received.” The CRS representative then began to dispute the complainant’s version of events, indicating she “was upset and said she didn’t know where Binghamton was and demanded we remove this account from collections.” CRS indicated they were unable to comply with the request “simply because someone made that request.” Regardless, CRS placed a “Dispute” and a “Hold” on the account. Although the client subsequently confirmed that the letter had been sent to the complainant in error and advised CRS to close the account and return it to them, the CRS representative nonetheless concluded by lecturing the complainant about her comments that CSR tries to strong-arm duped victims. The representative stressed to her the importance of understanding that Capital Recovery Systems is “here to help,” then gave her detailed contact information for further assistance.
The Fair Debt Collections Practices Act (FDCPA) and the Fair Credit Reporting Act (FCRA) are enforced by the Federal Trade Commission (FTC) and the Consumer Financial Protection Bureau (CFPB). The 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). The complaint above illustrates how these laws can be extremely effective tools to hold accountable collection agencies who fail to adhere to their provisions.
These laws also provide individuals 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.
Seek legal assistance to find the relief you may be entitled to if you are having difficulty resolving disputes with a debt collection agency.
Your debt harassment checklist:
- You are receiving multiple calls per week from third party collection agencies
- You are receiving early morning or late night calls from debt collectors
- You are receiving calls at work from a debt collection agency
- Debt collectors are calling your friends, neighbors, or coworkers
- Collectors are threatening you with violence, lawsuit, or arrest
- A debt collector attempts to collect more than you owe
- You are being threatened with negative credit reporting
- A debt collector attempts to intimidate you
- Criminal accusations are being made towards you
- Use of obscene language during an attempt to collect
- Automated robocalls are being made to your phone in an attempt to collect
If you’ve been harassed by debt collectors and even one of these has happened to you, we can help. We will fight for your rights.
We can make them STOP!✋
The Lemberg Law legal team is committed to holding debt collectors accountable, so complete our form for a FREE case evaluation, or call ? 844-685-9200 NOW.
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“I just wanted to let you know we received the check from your office on now and I wanted to take some time to inform you that we really appreciate all of your efforts in this matter.”
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