Reliant Capital Solutions LLC or RCS 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 Reliant Capital Solutions – RCS?
Reliant Capital Solutions or RCS is a third-party collection agency based in Ohio. RCS has received consumer complaints alleging serious violations of the Fair Debt Collections Practices Act (FDCPA), including making false statements in an effort to collect a debt. If you have been contacted by this debt collector, make sure you understand your rights before responding.
Is Reliant Capital Solutions a scam?
According to the Better Business Bureau (BBB), Reliant Capital Solutions, LLC is a legitimate collection agency founded and incorporated in Columbus, OH in 2006. The BBB opened its file in 2008. RCS is listed as a collection agency that uses the alternate business names, RCS and Reliant Recovery Solutions, LLC. There are over 20 different phone numbers and an alternate website listed on the RCS profile page. The Additional Information section includes a warning about RCS' business practices and a notice of consumer rights under the FDCPA.
RCS collects delinquent accounts for higher education; health care; automotive; retail; commercial; and teleservices. As a full-service third-party collection agency, their collection staff also offers payment monitoring programs; cure programs; customer service programs; customer retention programs; skip tracing; asset searches; legal services; and custom phone campaigns. Their management team provides real-time graphical reports; agent monitoring and coaching; and digital call recording.
Aside from a statement that they are committed to "professional, ethical, and legal conduct,"the RCS website does not contain any information about compliance policies or training and does not contain any links or references to consumer protection resources, laws, or agencies.
How many Complaints are there against Reliant Capital Solutions – RCS?
As of October 2017, the BBB has closed 11 complaints against Reliant Capital Solutions in the preceding three years, with 2 closed in the past 12 months. All of those complaints allege problems with billing and collections. The BBB has posted a notice that states in part, "Consumers from across the United States have contacted BBB indicating the Reliant representatives falsely identify themselves as being from a government entity, such as the Attorney General's office."Since April 2015, the Consumer Financial Protection Bureau (CFPB) has closed 24 complaints against RCS, and Justia lists at least 8 cases of civil litigation naming RCS as a defendant.
Can Reliant Capital Solutions Sue Me or Garnish My Wages?
It is illegal for a debt collector to threaten to sue you or garnish your wages. It is also unlikely RCS 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!
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"Consumers from across the United States have contacted BBB indicating the Reliant Capital Solutions' representatives falsely identify themselves as being from a government entity, such as the Attorney General's office.
"Consumers are advised that it is a violation of the Fair Debt Collection Practices Act to falsely state that a complaint has been filed against a consumer, to fail to disclose that a communication is from a debt collector, to make a telephone call without meaningful disclosure of the caller's identity or to falsely state and/or imply that the caller is with the attorney general's office.
Consumer complaints confirm this pattern of abuse. For example, in June 2015, a complainant indicated that she had made arrangements with RCS to pay off a delinquent debt over a three-month period. The complainant never "received any paperwork or… receipt of payment for her records" after the debt was satisfied. She indicated that she had called them twice asking for documentation and that they had told him, "'We will get that right out to you tomorrow in the mail,'" but she never received anything. She was concerned that the debt would be recycled and another agency would hold her liable again. In response, RCS confirmed that after receiving her call for a receipt, "no letter was generated, and the employee who took the call is no longer employed." As for the second request, RCS "mailed out a letter to the address they have on file, which is consistent with the address the consumer…put on this complaint." RCS attached a copy to the complaint response and assured the complainant that the new collection item she was concerned about was not the same debt.
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I have been dealing with a woman from reliance capital solutions. I was informed that my income tax would be offset due to being in default. I was informed that my only option was to refinance the loan and enter into an income driven repayment plan which with my income I would not owe anything. I have been attempting to do the paperwork and get it to this woman, but the paperwork has been rejected twice and I have had to redo. The last time I was provided a fax number that she claimed she only received 2 pages and one was cut off. She then asked me to take a photo of the papers with phone go to the website provided and send it that way, but there is no place to upload documents as she stated there was then I was provided a different fax number. I have a ten year old son with autism and I don't work due to this. The only income is from my husband's part time work and child's disability. We depend on our taxes to make it through the year. I have made every attempt to try and fix this and I don't know what else to do.
I got a letter labeled US Department of Education. Claiming they are going to garnish my wages. However near the end of this letter it says to contact customer service at: Reliant Capital Solutions. I'm asking because my research on the net is showing that Reliant has pretended to be a government agency before. It's my understanding that they are not allowed to do this. I guess my question is if this is a legitimate letter?
Hi my girlfriend is getting phone calls Reliant Capital Solutions they are calling her mother and grandmother.they say they are from RCS collections and they called her mother and they told her what the phone call was about, aint it against the law to tell someone else the details of the debt they owe. I was wondering what we can do since they disclose the debt with someone else.
Have received al letter from reliant and wanted to know if it's legitimate. Also want to know where I can find the information that they have is accurate.
Received a threat of garnishment if I did not respond to US Dept. of Education correspondence within 30 days. Loan was disputed with US DOE Ombudsman Office 15 years ago. Reliant has not properly validated debt: misrepresenting themselves on stationary and website. false statements and threats in single call to manager in Gahanna OH. Have sent me documents and threats over the years demanding various amounts, most were higher than the current request.
I have been receiving calls about a student loan I took out in 1989. I cancelled this loan 3 days after signing for it. Apparently the school still received the money and I have been disputing it for over 25 years. I have filled out the dispute paperwork countless times to no avail. I received a phone call about a month ago and it was for the same collection. I explained to the man that I have filled out the paperwork several times and asked him to send it again he said sure. I have since not received any paperwork and my check has been garnished. what to do now?
I just don't trust Reliant Capital Solutions or any other collection agency. The principle on my student loan from 1992 is $26,922 (according to them). Now there is interest in the amount of $23,898 and collection costs of $12,369. The government has been taking my income tax for many years now and a couple of years ago my paycheck was garnished for a little over $800.00 over a 4 month period. I am considering calling the Federal Student Loan Forgiveness people. I just need some guidance on this matter.
I received a letter on Jan 10, 2018 from Reliant Capital Solutions Dated Dec 19, 2017. This letter read that I had 30 days to respond with letter disputing the defaulted us dept of education student loan they say they are contacting me about. The supposedly original loan was approx $11,000 and now double with interest.
I have concerns speaking to them as they appear not trust worthy as well as I have to give them my SS # & other personal info to a basic stranger.
At this time in my life I have not worked since 2012 as I have been recovering from a botched gallbladder removal surgical procedure that turned into many hospital stays and 16 surgeries since beginning of 2011. 3 were emergency open surgeries to repair damage & others were mainly additional surgical repair procedures all due to my original 2011 botched gallbladder removal. My hospital records prove this and we sued the doctor at REX hospital because I have approx $250,000+ and counting in hospital bills directly from doctor mistake but we lost. The doctor not only cut the wrong duct, he butchered me required me to be sent by ambulance to another hospital to put me back together where I stayed for almost a month. Plus all the other hospital stays after that. In the fine writing of surgical contract there is a .03-05 risk with lapascopic gallbladder removal. After my injuries from dictirs mistake occurred changes have been made to how doctors proceed now because of so many mistakes in the US from this lapascopic procedure. I am still trying to find other ways to get the hospital to pay for all these expenses. And it's possible I may have to get a new liver in the future if my bile duct rips again as it has many times after the original mistake. As well as i have continued serious health issues that greatly limit by work/living daily life abilities due to muscle and nerve damange and more from all this. Again hospital records and court records prove my injuries and financial burdens. I am working on getting disability.
There is no way I can repay this student loan if it is in fact an old unpaid student loan. I'm not sure how to proceed. I am nervous about talking to this company and giving out personal info since they appear to be so shady. What should do?