- Who is Renton Collections Inc?
- Renton Collections Inc Complaints?
- Renton Collections Inc Lawsuits
- Renton Collections Inc Contact
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- How Do I Stop Renton Collections Inc Debt Collection Harassment?
- How Can I Delete Renton Collections Inc from My Credit Report?
- How Can I Deal with Renton Collections Inc?
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Renton Collections, Inc. (RCI) is a third-party collection agency based in Washington state. RCI has received consumer complaints alleging violations of the Fair Debt Collection Practices Act (FDCPA), including failure to verify debts and misrepresentation. If you have been contacted by RCI, make sure you understand your rights before taking action.
According to the Better Business Bureau (BBB), Renton Collections, Inc. was founded and incorporated in 1981. The BBB established its profile page in 1983. RCI is listed as a collection agency that uses the alternate business name, RCI Billing Services. Buzzfile estimates RCI’s annual revenue at $1.8 million and the size of its staff at 25 people.
According to its website, RCI is a “family owned and operated” collection agency capable of meeting the rapidly changing needs of high volume creditors,” and “has become one of the largest collection agencies in South King County and one of the most competitive agencies in the state.” RCI “offers a wide variety of services custom designed to fit the individual client’s needs.”
RCI’s Services page does not offer a lot of information about its debt collection practices. Site visitors learn that RCI’s “wide variety of services…often have the same common goal, but each client has a particular program to best suit its needs.” In addition to collection services, RCI provides “pre-collection letters…free of charge, which can be designed to fit client needs.” RCI’s status reports “can be provided monthly, quarterly, or as frequently as the clients’ needs require.” Finally, RCI offers a number of account referral methods, including via a “copy of a delinquent balance sheet generated by a client’s computer system…an electronic file transmitted via secure e-mail…an electronic file copied to a standard 3-1/2 floppy disk…File Transfer (FTP) site…or CD ROM.”
RCI’s Clients page is similarly generalized, stating that they have “built numerous relationships with our clients that have stood the test of time.” The only other information about their clients is 5 testimonials and a statement of membership in the American Collectors Association ACA, the Washington State Collectors Association WSCA, MGMA, HFMA,” and some local business organizations.
RCI’s Legal page indicates that their three staff attorneys are available to pursue legal action against consumers who have “the ability to pay but are unwilling to do so.” There is no information about compliance policies, and there are no links or references to consumer protection resources, laws, or enforcement agencies.
As of October 2017, the BBB has given RCI a rating of NR (No Rating). The BBB has closed 26 complaints against RCI in the past three years, with 3 closed in the past 12 months. There are also 15 negative reviews posted to their profile page. Most of the complaints allege problems with billing and collections. Since May 2015, the Consumer Financial Protection Bureau (CFPB) has received 28 complaints about RCI, and Justia lists at least 5 cases of civil litigation naming RCI as a defendant.
Absolutely. Here are some Sample Cases against Renton Collections, Inc.
Complaints against RCI frequently cite inaccurate reporting of information to the credit reporting agencies (CRAs) and inaccuracies in verifying and documenting account and payment details. In November 2016, a complainant indicated that she had received “a summons and complaint” from RCI regarding medical bills from a period stretching from 2011 to 2015. She claimed not to have received the actual bills and questioned whether she was even liable, since she had been living at her parents’ home during the time in question under an arrangement that allowed her coverage under their medical insurance. As a result, she was unaware that she had any outstanding financial obligations resulting from medical treatment. She indicated that upon receipt of the “summons and complaint,” she contacted the hospital directly and set up “Charity Care” to have the outstanding balances resolved. Next, she contacted RCI and made a “bulk payment of $400” to “cover the NEW principal balance on the account after the charity care was approved which they would not give me the information to.” She alleged that the RCI representative she spoke to during the transaction could not help her; that RCI was not “working with her to get this resolved; that in fact she had been discriminated against by them telling me to contact them at a certain time and not being available when she called”; and that she had been “hung up on numerous times and treated poorly for the amounts owed that she was unaware of.” She also alleged that RCI “harassed her for not paying then didn’t help…when she asked to pay in full.”
In response, RCI indicated that the accounts in questions had been paid “the same day as the complaint was submitted and we wrote off a majority of the legal fees associated with the account.” Furthermore, RCI posted a request to “close this complaint as we are no longer attempting to collect a debt.” The complainant accepted the response as a resolution, with the caveat that RCI “mentioned on a recorded line that they waived the interest at 50% not the attorneys’ fees.” As a result, although she did not reject the attempted resolution, she insisted that she will only withhold further objections “for now until I see the settlement papers to make sure they waived the interest and not attorneys’ fees.”
Renton Collections, Inc.
Post Office Box 272
Renton Washington, 98057
Telephone: (800) 655-8231
Understanding your Debt Collection Rights
The Federal Trade Commission (FTC) and the Consumer Financial Protection Bureau (CFPB) enforce consumer protection laws. The Fair Debt Collection Practices Act (FDCPA) and the Fair Credit Reporting Act (FCRA) are two federal laws that help regulate the collections industry. The FDCPA prohibits actions such as threatening to take actions that cannot legally be taken or using false or misleading language to collect a debt.
The FCRA regulates how collection agencies report information to credit reporting agencies.Additional consumer protection laws include the Consumer Financial Protection Act (CFPA) and the Telephone Consumer Protection Act (TCPA).
These laws also provide individuals with a means to seek monetary damages in court. For example, the FDCPA allows consumers to recover damages of up to $1,000, plus attorney fees and court costs, in cases proving violations of the FDCPA.
The case above illustrates how understanding your rights and responsibilities under these laws is an important part of holding collection agencies accountable for their actions. Seeking legal assistance can help you resolve a dispute with a 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, 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.
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.
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