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Viking Client Services or VCS is a third-party collection agency based in Minneapolis, MN. VCS has received consumer complaints alleging violations of the Fair Debt Collections Practices Act (FDCPA) such as attempting to collect debts not owed and failing to provide verification of debts. If you have been contacted by VCS regarding past due financial obligations,understand your rights before taking action.
According to the Better Business Bureau (BBB), Viking Client Services, Inc. is a billing service, insurance claim processing service, and collection agency. The BBB established a profile page for VCS in 1990. Buzzfile estimates VCS’ annual revenue at $36.4 million.
According to its website, VCS was founded in 1969 and “offers a full range of recovery solutions for large, regional and community banks, insurance companies, debt buyers and other financial establishments across the United States.” Specifically, VCS has three divisions: payment processing, insurance subrogation, and debt collection and recovery.
VCS’ payment processing division acts as a “protected and affordable online payment-solution provider” offering “data reporting tools…customizable interface…and the highest standards for both security and usability.” Their insurance subrogation division employs “agents specifically dedicated to insurance subrogation…to provide expert management of the entire subrogation process.”
VCS’ collection staff provides “recovery solutions across multiple industries… [to make] sure that the collection process is both effective and empowering.” Their collections division employs a staff of over 150 collectors to service accounts for consumer bankcard accounts; installment loans; automobile deficiencies; insurance subrogation collections; pre-legal collections; and high balance accounts.
Viking Client Services is a client-focused company with a client-facing website. They do not provide online information about their compliance policies or training programs, and there are no links or references to consumer protection resources, laws, or agencies.
In the past three years, the BBB has closed 86 complaints against Viking Client Services, with 34 closed in the past 12 months.Most of the complaints allege problems with billing and collection; however, there are also a lot of complaints alleging problems with advertising and sales. Since May 2015, the Consumer Financial Protection Bureau (CFPB) has received 25 complaints against VCS. Justia lists at least 10 cases of civil litigation naming VCS as a defendant.
Absolutely. Here are some Sample Cases against Viking Client Services LLC – VCS
On more than one occasion, consumers have complained about collection notices from Viking indicating they owe past due amounts for damage to rental cars that had been returned to the car rental companies in undamaged condition. For example, in June 2017, a complainant indicated that he had received a notice from Viking Client Services for a debt resulting from damage to a rental car earlier the same year. The letter did “not reflect any… supporting documentation or proof of damages, however it does request that the complainant remit payment.” The complainant attempted to contact VCS by “telephone; however, they are not open on the weekends.” The complainant looked for an email address, but the “letter…only reflects a telephone number and a mailing address for written correspondence.” After contacting the car rental company, he “was told that all damage claims are sold to VCS for collection and that he would need to speak directly to them. The complainant also documented that “the vehicle was inspected at the time of the rental return and that no damages were noted on the rental receipt, nor did he receive a letter or telephone call” informing him of any damages.
Similarly, in March 2017, a complainant indicated his attorney had sent a letter to a car rental company requesting evidence for their claim that the car had been damaged, which he insisted was not the case. Subsequently, VCS began sending collection letters for the alleged debt. Although the complainant insists that he returned the vehicle “without any issues and …inspected it with the car rental agency employee,” he received in response to his dispute a letter stating, “there was an accident, collision, to the vehicle, and that he is responsible for $1300.00 for said damages.” None of his attempts to contact the car rental company or Viking Client Services were returned.
Viking Client Services, LLC
7500 Office Ridge Circle, Ste. 100
Eden Prairie, MN 55344
Understanding your Debt Collection Rights
The Fair Debt Collections Practices Act (FDCPA) and the Fair Credit Reporting Act (FCRA) are enforced by the Federal Trade Commission (FTC) and the Consumer Financial Protection Bureau (CFPB). The 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). The complaint above illustrates how these laws can be extremely effective tools to hold accountable collection agencies who fail to adhere to their provisions.
These laws also provide individuals 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.
Seek legal assistance to find the relief you may be entitled to if you are having difficulty resolving disputes with a debt collection agency.
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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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