Retrieval Masters Creditors Bureau or RMCB Collections Complaints. Stop the Calls
We help consumers who have complaints about collection harassment.
Retrieval Masters Creditors Bureau Inc or RMCB is a debt collection agency which receives a lot of consumer complaints to our law firm for debt harassment. Find out who they are, why they might be calling, and how you can stop them.
Who is Retrieval Masters Creditors Bureau?
Retrieval Masters Creditors Bureau or RMCB is a third-party collection agency based in New York. RMCB has received many consumer complaints alleging violations of the Fair Debt Collections Practices Act (FDCPA), such as using false or misleading information in an effort to collect a debt. If you have been contacted by RMCB, understand your rights before responding.
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Is Retrieval Masters Creditors Bureau a scam?
According to the Better Business Bureau (BBB), Retrieval Masters Creditors Bureau, Inc. (RMCB) is a legitimate collection founded and incorporated in 1977 in Elmsford, NY. The BBB established its profile page in 1999. Alternate business names include American Medical Collection Agency, AMCA, and Retrieval Masters. Buzzfile estimates RMCB’s annual revenue at $6.9 million; and the size of its staff at 97people.
RMCB is “one of the…top high volume lower balance agencies[,] managing over $1[billion] in annual receivables for a diverse client base.” A large portion of RMCB’s clients are healthcare providers, including laboratories, hospitals, and physician groups. RMCB also collects delinquent debt for direct marketers, telecom, toll agencies, and national debt buyers. RMCB cites as its strength a policy of moral and ethical conduct based on adherence to all applicable federal and state laws and its membership in the Association of Credit and Collection Professionals (ACA International). However, RMCB’s website does not contain any references or links to consumer resources.
Retrieval Masters Creditors Bureau uses three distinct tactics in its approach to debt collection. First, “its customized letter-writing process,” which currently “prints and mails millions of pieces of correspondence” annually, employs a unique “tailor-made letter series” to significantly impact collection performance. Second, its “state of the art call centers” use modern technology, proprietary software, and comprehensive training programs. Finally, RMCB’s “intelligent data analytics” enables higher recovery rates.
Who are we? We are Lemberg Law, a Consumer Law Firm
Lemberg Law is a consumer law firm helping victims of collection harassment and abuse. We are ranked A+ by the BBB. We’ve helped more than 15,000 consumers stop harassment and recover money from debt collectors. Harassed? Abused? Misled by a collector? Call our Helpline today! There is no charge unless we win.
How many complaints are there against Retrieval Masters Creditors Bureau?
The BBB has closed 53 complaints against Retrieval Masters Creditors Bureau in the past three years, with 15 complaints closed in the past twelve months. Almost all of the complaints allege problems with billing and collections. The four negative customer reviews allege problems with incompetent, rude, or non-responsive customer service. As of March 2015, the Consumer Financial Protection Bureau (CFPB) has closed 115 complaints against RMCB. Justia lists at least 13 cases of civil litigation in which Retrieval Masters Creditors Bureau was named as a defendant.
Can Retrieval Masters Creditors Bureau Sue Me or Garnish My Wages?
It is illegal for a debt collector to make empty threats to sue you or garnish your wages. It is also unlikely RMCB 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!
Unlawful Debt Harassment? Learn the Law & Sue the Collector.
Can you help me file a No Fee Lawsuit against Retrieval Masters Creditors Bureau?
Absolutely. Here are some Sample Cases
In November 2015, in United States District Court, Eastern District of New York, a judge issued a Memorandum and Order in a complaint against Retrieval Masters Creditors Bureau for alleged violations of the FDCPA. In this case, RMCB sent a debt collection letter to the plaintiff with a title that read, “National Collection Agency,” and a letterhead bearing the name American Medical Collection Agency. The letter’s wording contained, in part, the following language:
“You may believe that [creditor] will eventually forget about the $187.20 you owe for laboratory tests they performed. However, itis our responsibility to make sure that neither our client nor [sic]you forgets this debt. There is no longer any justification for not paying for the laboratory services that you received. Withholding payment is not acceptable. Your lack of response may place your credit record in jeopardy.
“You can resolve this problem easily before we are forced to take further collection steps. Send us your remittance for $187.20with the bottom portion of this letter, and we will promptly notifyour client and remove your name from our delinquency files.
“Spare yourself further time on this matter. Pay this past-due bill today.”
Briefly, the plaintiff charged the defendant with violations of the FDCPA’s provisions prohibiting a debt collector from “conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt.” This provision includes the use of “false, deceptive, or misleading representation or means in connection with the collection of any debt;…false representation or implication that the consumer committed any crime or other conduct in order to disgrace the consumer;…[or] [t]he use of any business, company, or organization name other than the true name of the debt collector’s business, company, or organization.” The judge in this case dismissed charges that Retrieval Masters Creditors Bureau had violated the FDCPA by falsely identifying themselves or that they had egregiously defamed the plaintiff’s character; however, the plaintiff’s charge that the letter “was meant to intimidate and threaten the Plaintiff, with its mocking tone…and veiled threat,” was upheld.
Retrieval Masters Creditors Bureau Calling You?
The Federal Trade Commission (FTC) and the CFPB enforce laws prohibiting unethical business practices such as the Fair Debt Collections Practices Act (FDCPA) and the Fair Credit Reporting Act (FCRA). The FDCPA prohibits activities such as failing to provide verification of a debt, or using 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 why it is important for consumers to understand their rights before attempting to take action against collection agencies who may have violated these laws.
Private individuals may seek monetary damages in court for alleged violations. For instance, the FDCPA allows consumers to recover damages of up to $1,000, plus attorney fees and court costs. If you believe your rights have been violated by a collection agency, seek legal assistance to ensure you find relief.
Want to Stop Retrieval Masters Creditors Bureau Debt Collection Harassment Now?
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, 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
What Our Clients are Saying
“We realize that ours is only one little case among many — and a lot more serious — but are heartened by the fact that you accepted it represented us with a professionalism that belied the dollar amount.”
“I am so blessed that through this dreadful, terrifying encounter, your company was there to help me. I can not thank you enough”
“Never did I feel anything less than your most important customer. I love your service, and wish that more people were aware that there was a remedy for these vile creatures that call themselves collectors. Do not get me wrong, I pay my debts, or at least attempt to, but those agencies are aware of what they’re doing is illegal and know that the person on the other end of the line probably does not know that.”
Can You Help Me Delete Retrieval Masters Creditors Bureau from My Credit Report?
Chances are good that we can help. Call us today and we’ll explain.
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