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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.
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.
RSI Enterprises, Inc.
5440 W. Northern Avenue
Glendale, AZ 85301
Telephone: (800) 774-4003
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.
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.
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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