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Select Resource Group or SRG is a third-party collection agency based in Charleston, SC. SRG has received consumer complaints alleging violations of the Fair Debt Collection Practices Act (FDCPA) for attempting to collect debts not owed. If you have been contacted by SRG, understand your rights and then take action.
According to the Better Business Bureau (BBB), Select Resource Group was founded and incorporated in August 2012. The BBB established its profile page a little less than a year later, in May 2013. SBuzzfile estimates SRG’s annual revenue at $151,776. Both Buzzfile and the BBB estimate that only one person works at SRG.
The website for Select Resource Group at www.selectresource.com is not in operation as of this writing. However, SRG maintains a business profile page on the LinkedIn network that describes SRG as “a financial services industry [company] that specializes in collecting accounts receivable for companies that have been denied payment for products or services rendered.”
SRG cites as its strengths “powerful performance tracking techniques and analysis tools” that deliver “significant liquidation on distressed receivables,” thereby allowing their clients to “have more time and resources to focus on the core function of their businesses.”
Although they do not mention any specific details of compliance policies or collection practices, they claim to have “over 50 years of combined experience in the collections industry” and licensure in all 50 states. Select Resource Group “regularly liquidate[s] segments of inventory that most may consider a lost cause.” SRG’s LinkedIn profile indicates a staff size of 51 to 200 employees.
As of this writing, the BBB had closed eight complaints against Select Resource Group in the previous three years, with none closed in the previous 12 months. Almost all of the complaints allege problems with billing and collections. In June 2017, the Consumer Financial Protection Bureau (CFPB) received one complaint about SRG. Justia lists at least two cases of civil litigation naming SRG as a defendant.
Absolutely. Here are some sample complaints against Select Resource Group.
Complaints against SRG show a pattern of attempts to collect debts beyond the expiration of the statute of limitations. In January 2015, a complainant indicated that the consumer had received a call form from SRG. When the representative identified himself and the reason he was calling, he indicated the debt he was trying to collect was from 18 years prior. The complainant told him that the statute of limitations had expired and refused to answer any questions. In addition, the complainant had competed a similar process ten years earlier, and was now being confronted with the same problem. In response, SRG indicated that “due to several business exchanges it is possible that a mistake could have been made by contacting you on a previous disputed account.” Furthermore, the representative stated that according to their “company policy when a complaint of this nature is received the account is placed in a ‘cease & desist’ status. We have flagged the account accordingly. It has been closed in our office and returned to our client. There will be no further contact from Select Resource Group regarding this matter.”
In March 2015, a complainant indicated he had received notification from SRG attempting to collect a debt from Citi Financial that he didn’t recognize. He reviewed his credit report and indicated there had never been any reports from Citi Financial. He allegedly tried calling SRG for more details, but was immediately sent to voicemail, which was full. The complainant insisted that he didn’t owe the debt and requested an apology, stating that “a collection company… can’t just create bills that don’t exist.” In response, SRG indicated that the “alleged account was referred to Select Resource Group on 12 April 2013. The alleged debt was a CitiFinancial credit card, opened 22 March 1995, sold into collections on 18 October 1995, and there appears to be payments made after being sold into collections on 13 September 1996.” SRG “does acknowledge that the account is not within the statute of limitations, which would imply we had an intention to pursue legal action, and that is far from any current or future action on our behalf.” Furthermore, SRG claimed that “the statute of limitations provide[s] a timeframe against you by a creditor to recoup their financial loss legally. The monies are still owed after that timeframe has expired.” They then offered the same resolution they had offered in the previous complaint: according to “company policy when a complaint of this nature is received, the account is placed in a ‘cease & desist’ status.” They also posted information about the complainant’s right to dispute the debt, stating, “The validation notice is required by law, and explains your rights regarding the alleged debt. Further, it provides you with the option of disputing the alleged debt within 30 days of receipt of the validation notification, and provides options for getting the alleged account resolved.” Finally, they indicated the “soft inquiry on the Equifax report will be auto updated on 27 February 2015” and that the “account has been closed in our office, and [there will be] no further contact from Select Resource Group regarding this matter.”
Select Resource Group
3900 Leeds Ave.
Charleston, SC 29405-7461
Telephone: (877) 949-2967
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.
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 debt harassment.
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
- A debt collector uses obscene language
- You receive debt collection automated robocalls on your cell phone
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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