Receivable Solutions Specialists or RSS is a third-party collection agency based in Mississippi. RSS has received consumer complaints alleging violations of the Fair Debt Collections Practices Act (FDCPA), including failure to verify debts and attempting to collect debts not owed. If this debt collector has contacted you about past due collection items, make sure you know your rights before taking action.
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According to the Better Business Bureau (BBB), Receivable Solutions Specialists, Inc. is a legitimate collection agency founded and incorporated in 2001. The B established a profile page for RSS in 2005. RSS is listed as a collection agency. Buzzfile estimates RSS’s annual revenue at $2.4 million and the size of its headquarters staff at 23 employees.
According to its website, RSS “is a receivables management firm that provides an array of services for…business…and specializes in collecting…accounts receivable.” RSS’s mission is to “provide total accounts receivable solutions designed to increase the profitability and enhance the administrative efficiency of businesses nationwide.” Their philosophy is that “by giving people who are closest to their clients autonomy in meeting their customers’ needs, their clients and employees will remain satisfied.”
RSS “provides an array of services, including … pre-collections, live receivables management, business office staffing, receivables management consulting, and bad debt recovery services.”In addition, RSS provides“payment plan monitoring for long term self-pay accounts with consistent follow-up.” RSS utilizes “collection module software and skip tracing technology to ensure the timeliness of account receivables follow-up and collection.” Their “skip tracing program works directly with the Bellsouth company and allows RSS to obtain phone information as early as four days from the date service is activated, including cellular phones.” RSS also uses “a computer-based interactive call center that will call a debtor and allow them to make payment arrangements or payment in full by check or credit card.”
Receivable Solutions Specialists provides collection, skip tracing, and accounts receivable management services to a variety of clients, including judicial;commercial; and consumer retail, banking, and healthcare. RSS states that its staff “has the product knowledge, technical skill, and experience to help…improve…business, including … experts who can address… business needs on a regional and industry-specific level.” However, the RSS website does not provide any information about its regulatory compliance policies, and there are no links or reference to consumer protection resources, laws, or enforcement agencies.
The BBB has closed 6 complaints against Receivable Solutions Specialists in the past 3 years, with 3 complaints closed in the previous 12 months. All of those complaints alleged problems with billing and collections. Since March 2015, the Consumer Financial Protection Bureau (CFPB) has closed 12 complaints about RSS. Justia lists at least 1 case of civil litigation involving RSS.
Receivable Solutions Specialists, Inc.
P.O. Box 669
Natchez, MS 39121
Telephone (601) 442-0487
It is illegal for a debt collector to threaten to sue you or garnish your wages. It is also unlikely RSS 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
Complaints against Receivable Solutions Specialists commonly cite problems resulting from disputes about the validity of debts and the accuracy of information reported to the credit reporting agencies. In October 2017, a complainant indicated that he had been receiving calls and letters from RSS for the previous 4 years. He stated that he had already paid the bill they were attempting to collect, but that when he contacted them to discuss his previous payments, RSS representatives told him they could not find any record of his payments. He insisted that he was unwilling to be held responsible for a bill he already paid, and that his “credit report is struggling because of” RSS’s collection practices. He also stated that Receivable Solutions Specialists is “unprofessional and a terrible business”; that he has “heard nothing but… terrible reviews stating the same problem” from other consumers; and that “something needs to be done about” their business practices. In response, RSS stated that there was “no record of RSS… ever having an account for the above customer,” but that if he “had a bill that …he paid off and it was still showing up on his credit report after 4 years, he …can contact the credit bureaus to dispute charge.” The complainant accepted the proposed resolution, adding that, “surprisingly,… the delinquent item had … been removed from his credit report.”
In September 2016, a complainant indicated that he had paid $50 to the original creditor “before it was turned over to Receivable Solutions Specialists for collection.” The complainant “discovered the derogatory item that RSS had put on his credit report, thanks to his credit monitoring service.” He called RSS to dispute the inaccurate report, but “since he couldn’t find… proof that he had paid the original creditor at that time, he paid another $50 while he was on the phone with… RSS.” Allegedly, the RSS representative “promised to send the complainant confirmation of the payment to his email address, but he never received it.” He stated that he wrote to RSS “requesting confirmation of the payment AND to request that the derogatory entry be removed from his credit report.” He “included a copy of the check…refunding the second $50 payment, but …the derogatory item still remains on his Equifax credit report showing that he owes $40.” In response, RSS indicated that the “account had been paid as of November 2013,” and that the “credit bureaus were informed that this was paid, and it should have been deleted from the consumer’s credit report…RSS has now submitted again an immediate deletion of this account.”
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.
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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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