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Vital Solutions, Inc. (VSI) is an Accounts Receivable Management (ARM) and Business Process Outsourcing (BPO)company that specializes in third-party debt collection. VSI has received consumer complaints alleging violations of the Fair Debt Collections Practices Act (FDCPA) such as improper sharing of information and illegal communication tactics. If you have been contacted by VSI regarding past due financial obligations,make sure you understand your rights before taking action.
According to the Better Business Bureau (BBB), Vital Solutions, Inc.was founded and incorporated in 2002. The BBB established VSI’s profile page three months after they were founded. VSI is listed as a collection agency and uses the alternate business names, Vital Recovery Services, LLC; Vital Debt Recovery; and Vital Recovery Debt Services.
According to its website, VSI “provides customized outsourcing solutions for various industries, with specialized programs in the Automotive Finance, Credit Card, and Utilities industries… [as well as] contingency collections programs for Insurance Companies, Real Estate Lenders, and Government Municipalities.”
VSI is comprised of two wholly owned subsidiaries: “Vital Outsourcing Services, Inc., which performs first party customer care and delinquency management services; and Vital Recovery Services, LLC which is a fully licensed, national, third-party collection agency performing bad debt recovery and skip tracing services.” In addition, VSI’s BPO division offers “lettering and statement services via a licensing agreement with a multi-purpose, vertically integrated print and mail shop.”
VSI’s third-party collection division, Vital Recovery Services, LLC, provides “recovery services ranging from early stage to warehouse accounts for any client…[with] customized programs for the following industries”: automobile finance; credit card, bank card, retail and consumer loan; utility companies; real estate lenders; and government municipalities.
VSI cites certification, licensing, and compliance with the International Association of Credit and Collection Professionals (ACA International) and other major professional associations. However, their client-facing website does not provide references or links to consumer protection laws, resources, or agencies.
In the past three years, the BBB has closed 72 complaints against VSI, with 16 closed in the past 12 months.Most of the complaints allege problems with billing and collection. Since August 2015, the Consumer Financial Protection Bureau (CFPB) has received 10 complaints against VSI. Justia lists at least 13 cases of civil litigation naming VSI as a defendant.
Absolutely. Here are some Sample Cases against Vital Solutions – VSI
Complaints against VSI show a tendency toward abusive and demeaning telephone conduct. In February 2017, a complainant indicated he had been contacted by an automated dialing system and a robotic voice message asking for an 11-digit account number from correspondence. The complainant indicated he had not received any correspondence and did not have any outstanding debts. Eventually, he was able to navigate the automated phone response system and contacted a representative he described as “extremely rude.” He explained to her that he didn’t understand why he was receiving automated calls and she allegedly replied, “I am very busy and I don’t have time for this,” before hanging up. In response, VSI management issued a boilerplate statement that “it is not the policy of Vital for any agent, representative, or associate to be rude or unprofessional in any capacity” and apologizing “for any inconvenience you may have experienced.” His phone number was deleted from their database and phone contact to this complainant was ceased.
Similarly, in February 2017, a complainant reported that she had been contacted repeatedly by a VSI agent who called and hung up several times before identifying herself. When the complainant called VSI to resolve the issue, he was connected to a manager who “completely disregarded my concerns about FDCPA violations by his staff… [and told the complainant,] ‘I will just put this call in as a refusal to pay since you clearly will not be doing so.’” Finally, when the complainant requested written verification of the debt, the manager “proceeded to laugh and tell me that I already verified the debt by identifying myself.” In response, VSI offered its boilerplate statement that it “is not the policy of Vital for any agent, representative, or associate to be rude or unprofessional in any capacity,” followed by a statement that written documentation had been mailed out and that all efforts to make contact by telephone would cease and desist.
Here are some past Press Releases of Lawsuits Brought On By Lemberg Law Against Vital Solutions – VSI
November 17, 2015. Leasing a car can be a smart move, but it’s not uncommon to go back and forth with the dealer or manufacturer at the end of the lease. Our client tells Lemberg Law that he fulfilled his lease, but then got a letter from BMW entitled, “Notice and Invoice for Excess Wear and Tear.” The letter said that our client owed $872.
Our client wrote to BMW disputing the debt, but within about a four-month period, BMW sent our client’s account to Vital Recovery Services for collection. Vital Recovery Services started calling our client, and the following week, BMW offered to settle the account for $610 providing our client paid within a two weeks.
Our client went ahead and paid that amount to BMW, but when he checked a couple of weeks later his account still showed an outstanding balance for the difference between the original amount and the settlement amount. So, he wrote a letter to BMW asking that the correct the error.
While all of this was happening, Vital Recovery Services kept calling our client over and over again. During one conversation, Vital Recovery Services said that our client’s account had been credited for $261, but that he still owed $610. Vital Recovery Services even faxed him a letter saying that he owed $610. Remember, our client really had a zero balance.
As if that wasn’t enough, Vital Recovery Services called our client’s mother and told her that our client owed a debt.
Our client wrote to Vital Recovery Services disputing the amount owed, requesting verification of the debt, and telling them to stop contacting him. About a week later, he received a letter from BMW saying that he didn’t owe them anything. Still, Vital Recovery Services kept trying to collect a debt that our client didn’t owe.
On behalf of our client, we recently filed a complaint in U.S. District Court, Central District of California. The case charges Vital Recovery Services with violating state and federal law and asks for $1,000 in statutory damages, plus other relief.
This lawsuit charges that Vital Recovery Services violated the Fair Debt Collection Practices Act (FDCPA) by engaging in harassing behavior; by communicating with people other than our client regarding a debt; by using false, deceptive, or misleading representation in connection with the collection of a debt; by misrepresenting the character, amount, and legal status of a debt; by using unfair and unconscionable means to collect a debt; by attempting to collect an amount that was unauthorized by agreement or law; and by failing to send a validation notice. It also alleges violations of California’s Rosenthal Fair Debt Collection Practices Act.
Vital Solutions, Inc.
3795 Data Drive, Suite 200
Peachtree Corners, Georgia 30092
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.
If you’ve been harassed by debt collectors, 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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