Superlative RM Comstock Holdings or SRM 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.
What is Superlative RM Comstock Holdings?
Superlative RM Comstock Holdings (SRM) is a third-party collection agency based in California. SRM has received consumer complaints alleging violations of the Fair Debt Collection Practices Act (FDCPA), including failing to verify debts and attempting to collect debts not owed.If SRM has contacted you about past due financial obligations,make sure you understand your rights before responding.
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Is Superlative RM Comstock Holdings a scam?
They’re legit. According to the Better Business Bureau (BBB), Superlative RM Comstock Holdings is a collection agency that uses the alternate business name, Superlative Bis. The BBB established a profile page for SRM in 2006. Buzzfile indicates that SRM was founded in 2008 and provides a secondary web address for this collection agency at www.resolvemyaccount.com.
According to its website, SRM”is an industry leader with financial strength, proven effective operating strategies, and a cultured work environment.” SRM describes itself as a “strategic partner…who can expertly handle customer relationships and accounts receivable management.”
Who does Superlative RM collect for?
Superlative RM accepts delinquent accounts from a variety of businesses and industries, including financial services companies, automotive lenders, healthcare service providers, and debt buyers. SRM states that they are “specialists in outsourced debt collection and provide helpful repayment solutions and friendly service while achieving faster and more complete collection results for business customers.”
SRM is a full-service collection agency that provides a range of third-party services, including post charge-off recoveries; pre-charge-off recoveries; past due call campaigns; pre and post charge-off letter campaigns; skip-to-collect services; skip location; billing and customer care; debt acquisitions; and a national network of attorneys.
SRM claims to have a “robust compliance program, coupled with …extensive and state-of-the-art technological infrastructure.” SRM states that “in a heavily regulated industry such as Accounts Receivable Management…with increased scrutiny from both federal and state regulators,…creditors must align themselves with a reputable and sophisticated agency.”
SRM has posted on its Consumers page the logos of the Consumer Financial Protection Bureau (CFPB); the Debt Buyers Association (DBA International); the California Association of Collectors (CSAC); and the International Association of Credit and Collection Professionals (ACA International). They have also placed a “Mini Miranda” statement at the bottom of the page, identifying themselves as a debt collector. However, the logos cited above do not link site visitors to these agencies; and the SRM website does not provide any further links or references to consumer protection resources, laws, or enforcement agencies.
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 Superlative RM Comstock Holdings?
As of January 2019, the BBB has closed 4 complaints against Superlative RM in the preceding 3 years, with 1 complaint closed in the previous 12 months. Almost all of those complaints cited problems with billing and collections. Since April 2015, the Consumer Financial Protection Bureau (CFPB) has closed 5 complaints involving SRM, all of them attributed to a company known as Terrill Outsourcing Group. Justia does not list any cases of civil litigation involving SRM.
Superlative RM Comstock Holdings 9355 East Stockton Blvd, Suite 210 Elk Grove, CA 95624 Telephone: (888) 558-0692 Website: http://www.superlativerm.com/
Can Superlative RM Comstock Holdings 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 SRM 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!
Complaints against Superlative RM cite problems resulting from telephone calls and collection letters that may violate FDCPA provisions. In December 2018, a complainant indicated that he had received a “threatening letter… demanding that he pay $1,758.27 to” SRM. The complainant stated that he had “no knowledge of this debt and does not like to be threatened with letters from an unknown creditor for an unknown debt which does not belong to” him. He stated that he would be “sending this threatening letter from…SRM to the government agencies that handle threatening letters from debt collectors.” He also requested that SRM “never contact him again and never send him any threatening letters in the future.” He concluded by telling SRM that if they continue to contact him, he “will take legal action.” In response, SRM stated that they are a “licensed debt collection agency,” and that the “account…referenced in the complaint was placed with Superlative RM for contingency collections on 11/14/2018.” SRM stated that they had “first attempted contact with the complainant on 11/16/2018, utilizing the attached letter,” and that “no other contact was established.” SRM also stated that they had “closed the referenced account and returned it to their client.” They also stated that “no further efforts will be made by SRM to contact” the complainant.
In October 2017, a complainant stated that SRM had “called her place of work asking for” her. The complainant stated that her “coworker said she could not receive phone calls at work,” but SRM “insisted on still speaking and asking for her name and… the last four digits of her social security” number. The complainant’s coworker “insisted that the complainant could not receive personal calls at work, but the person on the phone then gave the last four digits of the complainant’s social security number and asked” for confirmation that it was the complainant’s information. The complainant also stated that SRM had made “phone calls every hour on the hour with an unknown number” without leaving a message. In response, SRM stated that “their employees… adhere… to all requirements of the FDCPA and state laws.” They also stated that SRM “records all calls, and prior to any conversation, every collector states to every consumer that the call is being recorded.” SRM agreed that they had tried to reach the complainant at her place of employment but insisted they had not violated any laws. However, they agreed to cease all efforts to contact the complainant by phone.
Superlative RM Comstock Holdings Calling You?
Federal laws protect you. The Fair Debt Collections Practices Act (FDCPA) regulates the behavior of collection agencies by prohibiting actions such as the use of abusive or threatening language; harassment; or the use of 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).
Can I sue Superlative RM for harassment?
Yes. If you want to enforce your rights, or recover money for violations — you need to sue. Federal laws provide individuals like you with a means to seek monetary damages in court. For example, the FDCPA allows consumers who have been violated to recover damages of up to $1,000, plus attorney fees and court costs.
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“After a few months of frustration with a debt collector, I eventually called Lemberg Law. It was among the best financial decisions I have ever made. Jody and her staff were comprehensive, useful, and above all else powerful. I highly recommend their services and thank them for their continual efforts.”
“I just wanted to let you know we received the check from your office on now and I wanted to take some time to inform you that we really appreciate all of your efforts in this matter.”
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