RSI Enterprises Inc Collections Complaints. Stop the Calls

Many consumers bring up complaints about harassing collection calls

RSI Enterprises Inc 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.

Quick links:

Have questions? Call us now at 844-685-9200 for a Free Case Evaluation.

Our services are absolutely FREE to you.

The harassing company pays our fees.

What is RSI Enterprises Inc?

RSI Enterprises Inc or RSI is a third-party collection agency based in Arizona. RSI has received consumer complaints alleging violations of the Fair Debt Collections Practices Act (FDCPA) such as illegal communication tactics and failure to verify debts. If you have been contacted by RSI Enterprises, make sure you understand your rights before taking action.

According to the Better Business Bureau (BBB), RSI Enterprises, Inc. was incorporated in 1993 and started in 1994. The BBB established RSI’s profile page in 1994, five months after their start date. RSI is listed as a collection agency and the BBB indicates it operates an alternate website at www.ethicalaz.com/rsienterprises. Buzzfile estimates RSI’s annual revenue at $10 million and the size of its staff at 65 people.

According to its primary website at www.rsico.com, RSI Enterprises is “the recovery services provider of choice, delivering superior quality and client service in our markets through successful partnerships with our people, suppliers and customers.” RSI operates as a full-service Accounts Receivable Management (ARM) company, offering extended business office (EBO); collections; insurance billing and follow-up; technology support; consulting; and conversion services.

RSI’s collections division offers early-stage delinquency; pre-collect/pre-charge-off; open accounts receivable and early-out; primary bad debt; second placements; legal, including tax intercept, judgments, and garnishments; and discovered insurance services. Their conversion services include early-out self-pay accounts; insurance billing and follow-up; bad debt collections; and “payment posting/transaction and remit processing/reconciliation/credit balances.”

RSI Enterprises cites its affiliation with at least a dozen professional organizations. However, its website does not contain any information about regulatory compliance policies or training programs. There is no consumer resources page, and there are no links or references to consumer protection resources, laws, or enforcement agencies.

How many Complaints are there against RSI Enterprises Inc?

The BBB has closed 21 complaints against RSI Enterprises in the past three years, with 7 closed in the past twelve months. Most of the complaints allege problems with billing and collections. Since March 2015, the Consumer Financial Protection Bureau (CFPB) has received 19 complaints about RSI. Justia lists at least 7 cases of civil litigation naming RSI Enterprises as a defendant.

Contact Information

RSI Enterprises, Inc.
5440 W. Northern Avenue
Glendale, AZ 85301
Telephone: (800) 774-4003
Website: http://www.rsico.com/

Can you help me file a No Fee Lawsuit against RSI Enterprises Inc?

Absolutely. Here are some Sample Cases against RSI Enterprises, Inc.

In February 2015, in United States District Court for the District of Arizona, a judge issued an Order in a case alleging violations of the FDCPA. In this case, the plaintiff had received emergency room medical treatment on two separate occasions at a hospital owned by Scottsdale Healthcare.  The plaintiff was uninsured and so did not pay the bill at the time of treatment. The two accounts were assigned to RSI Enterprises for collection. The day after the accounts were assigned to RSI, RSI prepared and sent notification letters to the plaintiff. At that point, RSI was acting in the capacity of an extended business office, and the letters were on Scottsdale Healthcare letterhead. Subsequently, the plaintiff asked Scottsdale Healthcare for financial assistance in paying the medical bills, and after submitting the necessary paperwork, RSI extended the time the plaintiff had to pay the debts. However, Scottsdale Healthcare denied the requests for “‘financial aid.’” Next, RSI sent additional letters to the plaintiff, again using Scottsdale Healthcare letterhead, first indicating that payment remained unresolved, and then that her accounts were seriously past due. The past due letters warned that if payment were not made the accounts would “be turned over to an outside collection agency for collection.” Both letters were signed “‘Sincerely, Scottsdale Healthcare’; neither gave any indication that it was prepared and mailed by RSI Enterprises, rather than Scottsdale Healthcare.” A month later, RSI sent the plaintiff another letter, this time on its own letterhead, stating that, “Scottsdale Healthcare assigned this balance to RSI Enterprises, Inc. for pre-collection efforts …. If payment in full is not received or contact established with Scottsdale Healthcare within 30 days you may be sent to a third-party collections company.” Furthermore, “in two separate locations, the letter instructed the plaintiff to send all payments and correspondence to Scottsdale Healthcare.” The next day, Scottsdale Healthcare recalled both accounts from RSI, who canceled and returned them to Scottsdale Healthcare, after which Scottsdale Healthcare assigned them to West Asset Management for collection.

The plaintiff charged that RSI Enterprises violated three provisions of the FDCPA. First, Section 1692g(a) requires a collection agency to provide, “within five days after the initial communication with a consumer in connection with the collection of any debt,” a written notice that contains the amount of the debt; the name of the creditor; a statement of the debtor’s right to dispute the debt in writing within 30 days; a statement that if the debtor does not thusly dispute the debt, it will be assumed to be valid; and a statement that if the debt is thusly disputed, the collection agency will provide verification. Second, Section 1692g(b) provides that “collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumer’s right to dispute the debt or request the name and address of the original creditor.” Third, Section 1692e(2)(A) prohibits a “debt collector” from “using any false, deceptive, or misleading representation or means in connection with the collection of any debt,” such as the “false representation” of “the character, amount, or legal status of any debt.” The plaintiff argued that the confusing, deceptive, and contradictory nature of the collection letters constituted a violation on all three counts. RSI attempted to argue that they were not operating in the capacity of a collection agency or debt collector, as defined by the FDCPA. The court disagreed and denied RSI Enterprises motion for summary judgment on that basis.

RSI Enterprises Inc Calling You?

Understanding your Debt Collection Rights

The Fair Debt Collections Practices Act (FDCPA) and the Fair Credit Reporting Act (FCRA) are federal laws that regulate how collection agencies may conduct themselves.

The FDCPA prohibits actions such as the use of abusive or threatening language; or the use of false or misleading information 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).

The complaints above illustrate why it is important to understand your rights and responsibilities under these laws when attempting to communicate with collection agencies.

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. Seek legal assistance if you are having difficulty resolving a dispute with a collection agency.

Want to Stop RSI Enterprises Inc 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, 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.

We can make them STOP!✋

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. ?

What Our Clients are Saying

“With your help the nagging collection calls have ceased! I was thrilled I was also able to get damages from the collection agency. I am unable to adequately express my joy. I am so thankful I made the call.”

“I would recommend your company to anyone. You have the debt collectors off my back, and I will finally see the light at the end of the tunnel. Throughout the entire procedure your employees were courteous and professional. I was blown away by their efficacy also.

“After speaking to one of the partners, and going over the plan of action, I felt I’d chose the perfect company to go to work for me. He was very accommodating in describing what was going to happen. I would strongly recommend Lemberg Law to anybody being hassled by debt collectors”

Can You Help Me Delete RSI Enterprises Inc from My Credit Report?

Chances are good that we can help.  Call us today and we’ll explain.

Sound Off!

Have you had a bad experience with this agency’s debt collectors? Sound off and share your experience with other visitors in the comment box below.

1 COMMENT
  • Brittany

    I received care at a methadone clinic in Phoenix, AZ. I should have been put on medicaid or some sort of insurance, and I’m pretty sure I did fill out paperwork for the state insurance, as it was the law at the time as well as I was receiving help for an active drug dependency and was not aware of any sort of lab billing that I would have to pay for. Now when I look at credit karma I have 3 different bills for RSI. One is for $425 and the other two are for $680. I only went to this clinic for a couple weeks and am not even sure what it is I’m being billed for. I am trying to fix my credit score and get my debts squared away, and I cannot afford to pay them, nor do I feel like I should. Please contact me by email if possible, I usually don’t answer phone calls I don’t recognize.

Leave a Reply or Comment

Write a comment below to share online. Or, instead can to our legal team.
Phone & email are required but will not be published.

Briefly describe the problem Briefly describe the problem

What’s your name? What’s your name?

What’s your phone number? What’s your phone number?