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CRF Solutions or CRF is a third-party collection agency based in Southern California. CRF has received complaints alleging problems with billing, collections, and customer service that may have violated the Fair Debt Collection Practices Act (FDCPA). If you have been contacted by CRF Solutions, make sure you understand your rights before responding.
According to the Better Business Bureau (BBB), CRF Solutions, Inc.was founded and incorporated in 1991. The BBB established CRF’s profile page in 1997. CRF is listed as a collection agency and collection systems provider that uses the alternate business names, Continental Recovery and Continental Recovery Services. Buzzfile estimates CRF’s annual revenue at $4 million and the size of its headquarters staff at 43 employees.
According to its website, CRF “has become a leading provider of A/R management services for the commercial credit industry.” CRFs mission is “to be the leading national provider of innovative accounts receivable recovery and lien services for commercial credit grantors;…to utilize our organizational focus through a sense of urgency, purpose, and direction to provide solutions that exceed client expectations;…and to inspire our team members, harness their energy…and passion, and increase their commitment to achieving our clients’ goals and objectives.”
CRF Solutions focuses exclusively on “providing collection and construction notice services” for commercial lenders. CRF provides a “wide range of services for both the recovery of delinquent accounts…and lien service management.” CRF has been certified by the Commercial Law League of America…as a member of the Commercial Collection Agency Association.” CRF acts mostly in the capacity of a first-party collector, offering “early treatment programs…and cost effective fixed fee services.” CRF also provides 3rd party contingency-based collections.
Specifically, CRF “has been successful in collecting millions of dollars for clients around the world… in many industries, including agriculture; apparel; automotive; communications; construction; drugs and cosmetics; electronics; finance; food and beverage; giftware; healthcare; industrial equipment; insurance; professional services; publishers, printers, and advertising; international debt; sporting goods; transportation services; and wholesale distributors.
CRF’s commercial collection staff focuses on aspects of commercial lending such as sending out timely and accurate lien notices. CRF “provides a one-stop shop for all aspects of the lien process, including Preliminary Notices, Notice To Owner, Waivers, Notice of Intents, Stop Notices, Mechanics Liens, Releases, and attorney referrals for perfecting liens.” CRF’s lien notification services are concerned less with consumer debt and more with ensuring corporate profitability.
CRF Solutions certifies its collectors through the International Association of Commercial Collectors, Inc.’s (IACC) Certified Commercial Collection Program.
The BBB has closed 3 complaints against CRF Solutions in the past three years, all of them in the previous 12 months. Two of those complaints allege problems with billing and collections; the third complaint alleges problems with customer service. Neither the Consumer Financial Protection Bureau (CFPB) nor Justia list any complaints or cases of civil litigation involving CRF.
Absolutely. Here are some Sample Cases against CRF Solutions Inc
Consumer debt is the result of everyday purchases made for the benefit of the end-user, or consumer. For example, going to the mall and buying items with a credit card or department store card is an example of how consumers acquire debt. Business debt is acquired as an expense of doing business. If the same person in the shopping trip example above used his or her credit card to start a business, that expense would be considered business debt, not consumer debt. The Fair Debt Collection Practices Act (FDCPA) regulates the conduct of third-party collection agencies that collect consumer debt; the FDCPA does not regulate collection efforts of commercial debt collectors.
CRF Solutions is active in commercial debt collection efforts. As a result, consumer protection sites that monitor FDCPA violations list very few complaints about their collection efforts because their collectors are not regulated by the FDCPA. Regardless, any business that engages in third-party collection activity or that conducts business in such a way that they can be considered a debt collector according to the definitions in the FDCPA must adhere to laws that protect consumers. In addition, although the FDCPA does not regulate commercial debt collection, commercial debt collectors must also ensure that they conduct themselves according to the laws that regulate their industry. The 3 complaints listed on the BBB page for CRF do not provide any details about the nature of the complaints and whether they resulted from commercial or consumer collection activity; however, if a CRF representative has contacted you regarding delinquent consumer debt in such a way that you believe your rights as a consumer have been violated, you may still be able to win an FDCPA claim.
CRF Solutions, Inc.
2051 Royal Ave.
Simi Valley, CA 93065
Telephone: (800) 522-3858
Understanding Your Debt Collection Rights
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 recieving calls at work from a debt collection agency
- Debt collectors are calling your friends, neighbors, or coworkers
- Collectors are threatening you with violence, a 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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