Client Services, Inc. (CSI) is a third-party collection agency based in Missouri. CSI 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 CSI has contacted you about a debt, make sure you know your rights before responding.
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According to the Better Business Bureau (BBB), Client Services, Inc. is a legitimate collection agency, founded and incorporated in 1987. The BBB established a profile page for CSI in 1992, and CSI has been a BBB-accredited business since 2012. The BBB lists CSI as a collection agency, billing service, medical biller, and call center. Buzzfile estimates CSI’s annual revenue at $43 million and the size of its headquarters staff at 955 employees.
According to its website, CSI has “quickly established a reputation for providing superior quality and consistent performance.” CSI has “evolve[d] into a full-service Customer Relationship Management company…[that] offers a full suite of Accounts Receivable Management (ARM), Business Processing Outsourcing (BPO) and healthcare solutions.” CSI is “a company with full call center capabilities…[and] the expertise and the resources to manage the life cycle of any customer base.”
CSI’s services are divided into three major divisions: accounts receivable, BPO, and healthcare. CSI’s accounts receivable division hosts four sub-divisions: recovery, collections, competitive advantage, and accounts receivable management. CSI’s “third-party, post charge-off recovery programs offer world-class liquidation results, while…maintaining and promoting positive consumer experiences.” Their collections division “represents many of the largest and most sophisticated lending institutions in the country…[with] collection solutions [that] offer world-class liquidation and roll-rate results.” CSI’s competitive advantage division focuses on overall results; consumer sensitivity and brand protection; client support management; business technology; and company culture. Their ARM division utilizes “100% call recording, voice analytics software, and customer satisfaction surveys.”
CSI’s BPO division includes three subdivisions: customer care, revenue generation, and competitive advantage. CSI’s customer care center employs an “integrated and advanced range of infrastructure and technology that allows [them] to customize…solutions according to each client’s individual needs.” Their revenue generation division provides “new account acquisition, account activation, [and] up-sell/cross-sell or [customer] retention” services. Finally, CSI’s healthcare division provides medical billing, insurance authorization, and benefit verification services.
The CSI website includes a Consumer Center page with a list of Frequently Asked Questions. However, these FAQ’s provide only proprietary responses; there is no detailed information about their regulatory compliance policies. In addition, there are no links or references to consumer protection resources, laws, or enforcement agencies.
As of March 2019, the BBB has closed 43 complaints against Client Services, Inc in the preceding three years, with 16 complaints closed in the previous 12 months. Most of those complaints cited problems with billing and collections, although 14 complaints also cited problems with customer service. Since March 2015,the Consumer Financial Protection Bureau (CFPB)has closed 53 complaints involving CSI. Justia lists at least 20 cases of civil litigation involving CSI.
Client Services, Inc.
3451 Harry S Truman Blvd.
St Charles, MO 63301
Phone Number: 800-521-3236
It is illegal for a debt collector to threaten to sue you or garnish your wages. It is also unlikely CSI 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 Complaints
In June 2009, in United States District Court for the Southern District of California, a judge issued an order in a case alleging Client Services, Inc had violated the federal FDCPA, the California state FDCPA, as well as a charge that Client services Inc had violated laws against invasion of privacy. In this case, the plaintiff had heard a radio commercial for a company called Debt Consultants (DC), in which DC advertised “their success in helping consumers become debt free.” The plaintiff had several credit accounts in good standing, but the interest rates were increasing and making payments was becoming increasingly difficult to maintain. The plaintiff contacted DC for help managing her debt. She stated that a DC representative told her that “she would be debt free within a couple of years; that she would not have to pay the additional interest that would ordinarily accumulate on her accounts; and that her credit would not be damaged.” She also stated that DC “sent her an orientation package that falsely represented that it would eliminate her outstanding debt; …that her accounts would be reported as settled-in-full or paid”; and that she should “stop communicating with her creditors.” She allegedly paid DC $3,935.00, then “followed DC’s advice and stopped paying her accounts and stopped communicating with her creditors.” However, DC allegedly “did not settle any of her accounts and performed no services of benefit to” her. Subsequently, as her “accounts went into default,” her creditors and the collection agencies they used “began calling to collect her debts.” One of those collection agencies was CSI.
The plaintiff alleged that while attempting to collect debts resulting from DC’s advising services, CSI “called…with such frequency and persistence as to constitute harassment”; “called the plaintiff’s parents…and did not state they were calling to confirm or correct location information”; “called the Plaintiffs’ parents more than one time”; “disclosed details regarding the plaintiff’s debt to each set of parents”; “did not disclose that it was a debt collector in each communication”; and “did not provide meaningful disclosure of its identity in each communication.”As a result, the plaintiff charged CSI with violations of the state and federal FDCPA, as well as invasion of privacy. She also charged DC with violations, including of the Credit Repair Organization Act and the California Credit Services Act.
Attorneys for CSI attempted to argue that the plaintiff had failed to state a claim for any of the charges she alleged and requested that the charges be dismissed. In deciding whether to allow the complaint to move forward, the court noted that the plaintiff had charged CSI with “not disclosing that it was a debt collector in each communication” or “providing meaningful disclosure of its identity in each communication” with the plaintiff and her parents. These allegations represented direct violations of the FDCPA. Similarly, the plaintiff’s allegation that CSI called “with such frequency and persistence as to constitute harassment,” did constitute a valid statement of a claim. As for invasion of privacy, the plaintiff was judged to have met the standard for a pleading, which requires “identification of a specific, legally protected privacy interest; … a reasonable expectation of privacy; and…conduct… constituting a serious invasion of privacy.” As a result, the plaintiff was allowed to proceed with her complaint against CSI.
As you may be aware, debt collection agencies sometimes go to extremes to attempt and collect on a debt. Just because you owe money doesn’t mean that you don’t have rights. Debt collectors can’t lie or pretend to be somebody they should not attempt to get you to pay a debt. By way of example, a debt collector may contact you pretending to be a lawyer when they aren’t. Another example is that a debt collector wearing a uniform or introducing a badge to attempt and get you to believe that they’re a part of a police force or other agency to attempt and intimidate you into paying the debt.
The fantastic news is that if you’re a victim of those unfair practices you do have legal remedies. The Fair Debt Collection Practices Act (FDCPA) enables consumers to take legal actions against debt collectors who violate the law. Under the FDCPA, consumers can recover a statutory amount of around $1,000, plus court costs and lawyer fees.
Phone Numbers Client Services Might Be Using To Call You
Consumers have reported receiving harassing calls from these phone numbers:
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.
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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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