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    ComplaintsforRash Curtis & Associates

    Collections Agencies
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    Complaint Details

    Note that complaint text that is displayed might not represent all complaints filed with BBB. See details.

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    Complaint Status
    Complaint Type
    • Complaint Type:
      Billing Issues
      Status:
      Answered
      I am not accountable for the debt to PREMIER INFUSION CARE. I do not have a contract with RASHCURTIS and have never received one after requesting one. I already sent your agency several requests to remove this inaccurate account but it's still showing from my credit file. Since when is it possible for an open account to be charged off? This also shouldnt have a balance seeing as this is a charge off. After all these inaccuracies I have mentioned even before you still continuously reporting this? I will ask your agency for the last time, REMOVE THIS ERRONEOUS ACCOUNT!

      Business response

      07/11/2024

      Good morning,      

      This is in response to BBB complaint #******** filed by ***************************** against Rash Curtis & Associates (RCA).RCA would like to respond as follows:

      RCA is reporting one account to the credit bureaus. The account was placed for collections on 12/21/2023 for services rendered by the creditor on 06/08/2022.

      On 01/15/2024, RCA, as required, mailed ***************************** notice of the debt. This notice was mailed to the same address provided by the original client.

      RCA has never received any indication that the address was incorrect through returned mail from the United States Postal Service.

      The notice explains that if the consumer disputes the debt and/or requests validation,they must contact RCA within 30 days. If there is no response, the debt is deemed valid. The notice also states that the item will be listed with the credit bureau(s) if the consumer fails to fulfill the terms of their credit obligation. RCA did not hear from *****************************, so this account was ultimately reported to the credit bureaus on 04/30/2024.

      *************************** asserts in this BBB complaint that the original contract wasnt provided when requested. This BBB complaint is the first and only contact RCA has had with *****************************. RCA has never received a request from ***************************** to get supporting documents sent until this BBB complaint was filed.

      RCA contacted the original creditor and requested an itemized statement for the services rendered and a billing summary. These were received by RCA and mailed to ***************************** on 07-08-2024. These were mailed to the address in this BBB complaint.

      RCA has investigated the dispute and confirmed with the creditor that the debt it is reporting is accurate and under the circumstances,neither the ***** nor the **** mandate that RCA remove the **** from ******************************* credit reports.

      As required, the account is being reported to the credit bureaus as disputed.

      Thank you,
      *******************************
      Quality Assurance & Compliance Manager

    • Complaint Type:
      Billing Issues
      Status:
      Answered
      I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

      Business response

      07/01/2024

      Good afternoon,                                                                                                                                                                                                                                                                                                                                                                
      This is in response to BBB complaint #******** filed by ********************* against Rash Curtis & Associates (RCA). RCA would like to respond as follows:

      Per the complaint, ********************* is alleging the accounts are the result of identity theft/fraud. When a consumer claims an account is the result of identity theft/fraud, RCA requires that the consumer file a police report with their local police department or with the ************************ website, write a letter of dispute and send a legible copy of a state issued drivers license or identification card, front and back. 

      This was received by *********************.

      RCA will forward this information to the creditor for an investigation into the claim of ** theft.

      In the meantime, the qualifying account will be deleted from the credit reports of ********************* until the original creditor conducts their investigation into the ** theft claim.

      If the original client states that the claim of ** is valid, the accounts will remain deleted from the credit reports of *********************, however, if the original creditor deems the ** theft claim invalid, the accounts will be re-submitted to the credit bureaus for reporting as delinquent debts.

      ********************* will be notified of the outcome of the creditors investigation into the manner in writing to the address in this CFPB complaint. 




      Thank you,
      *******************************
      Quality Assurance & Compliance Manager

    • Complaint Type:
      Order Issues
      Status:
      Answered
      I am not liable with Rash Curtis & Associates, I do not have a contract with Rash Curtis & Associates, they did not provide me with the original contract as i requested.

      Business response

      06/21/2024

      Good morning,

      This is in response to BBB complaint #******** filed by ******************************* against Rash Curtis & Associates (RCA).RCA would like to respond as follows:

      RCA is reporting one account to the credit bureaus. The account was placed for collections on 09/27/2021 for services rendered by the creditor on 05/14/2021.

      On 09/28/2021, RCA, as required, mailed ******************************* notice of the debt. This notice was mailed to the same address provided by the original client.

      RCA has never received any indication that the address was incorrect through returned mail from the United States Postal Service.

      The notice explains that if the consumer disputes the debt and/or requests validation,they must contact RCA within 30 days. If there is no response, the debt is deemed valid. The notice also states that the item will be listed with the credit bureau(s) if the consumer fails to fulfill the terms of their credit obligation. This account was ultimately reported to the credit bureaus on 11/29/2021.

      ******************************* asserts in this BBB complaint that the original contract wasnt provided when requested. This BBB complaint and an electronic dispute filed with the credit bureaus on 06-15-2024 (RCA responded back electronically on 06-17-2024)is the only contact RCA has had with *******************************, in which the original contract was never requested. Upon receipt of this complaint, RCA contacted the original creditor and requested an itemized statement for the services rendered and a billing summary. Once received by RCA the documents will be mailed to ******************************* to the address in this BBB complaint.

      ******************************* also asserts that a contract was never signed with RCA to collect on behalf of the original client. The original client did not sell the debt to RCA. RCA works under a strict BAA (Business Associate Agreement) contract with the original client to collect their past-due accounts.

      Under the circumstances, neither the ***** nor the **** mandate that RCA remove the **** from **************************** credit reports.

      As required, the account is being reported to the credit bureaus as disputed.

      Thank you,
      *******************************
      Quality Assurance & Compliance Manager

    • Complaint Type:
      Customer Service Issues
      Status:
      Resolved
      i am not liable for this debt with ******************* , i do not have a contract with RASHCURTIS, they did not provide me with the original contract as requested.

      Business response

      06/05/2024

      Good morning,

      This is in response to BBB complaint #******** filed by ************************************ against Rash Curtis & Associates (RCA). RCA would like to respond as follows:

      RCA is reporting one account to the credit bureaus. The account was placed for collections on 09/27/2018 for services rendered by the creditor on 04/23/2018.

      On 09/28/2018, RCA, as required, mailed ************************************ notice of the debt. This notice was mailed to the same address provided by the original client.

      RCA has never received any indication that the address was incorrect through returned mail from the United States Postal Service.

      The notice explains that if the consumer disputes the debt and/or requests validation,they must contact RCA within 30 days. If there is no response, the debt is deemed valid. The notice also states that the item will be listed with the credit bureau(s) if the consumer fails to fulfill the terms of their credit obligation. This account was ultimately reported to the credit bureaus on 11/28/2018.

      ************************************ asserts in this BBB complaint that the original contract wasnt provided when requested. This BBB complaint and an electronic dispute filed with the credit bureaus on 10-30-2019 (RCA responded back electronically on 11-04-2019) is the only contact RCA has had with ************************************, in which the original contract was never requested. Upon receipt of this complaint, RCA contacted the original creditor and requested an itemized statement for the services rendered and a billing summary. Once received by RCA the documents will be mailed to ************************************ to the address RCA has on file since an address wasnt provided in this BBB complaint.

      ************************************ also asserts that a contract was never signed with RCA to collect on behalf of the original client. The original client did not sell the debt to RCA. RCA works under a strict BAA (Business Associate Agreement)contract with the original client to collect their past-due accounts.

      Under the circumstances, neither the ***** nor the **** mandate that RCA remove the **** from ************************************** credit reports.

      As required, the account is being reported to the credit bureaus as disputed.

      Thank you,
      *******************************
      Quality Assurance & Compliance Manager

      Customer response

      06/05/2024

      Better Business Bureau:

      I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me.

      Sincerely,

      *********************
    • Complaint Type:
      Order Issues
      Status:
      Answered
      I am not liable for the debt with Contra costa county. I do not have a contract with Rash Curtis & Associates. They did not provide me with the original contract as i requested

      Business response

      05/23/2024

      Good morning,                                                                                                                                             

      This is in response to BBB complaint #******** filed by *********************** against Rash Curtis & Associates (RCA). RCA would like to respond as follows:

      RCA has submitted a request to have these items deleted from ************************* credit reports effective immediately.

      Please allow the credit bureaus time to update their records.

      RCA apologizes for any inconvenience.


      Thank you,
      *******************************
      Quality Assurance & Compliance Manager

    • Complaint Type:
      Billing Issues
      Status:
      Answered
      I am contesting the validity of a collection account attributed to *************************** as I have no contractual obligation with them. Additionally, *************************** Associates, the collection agency involved, failed to furnish the original contract upon my request. Thus, I dispute any liability for this debt.

      Business response

      05/13/2024

      Good morning,

      This is in response to BBB complaint #******** filed by *************************** against Rash Curtis & Associates (RCA).RCA would like to respond as follows:

      RCA is reporting one account to the credit bureaus. The account was placed for collections on 10/07/2022 for services rendered by the creditor on 03/31/2022.

      On 10/10/2022, RCA, as required, mailed *************************** notice of the debt. This notice was mailed to the same address provided by the original client and on this BBB complaint.

      RCA has never received any indication that the address was incorrect through returned mail from the United States Postal Service.

      The notice explains that if the consumer disputes the debt and/or requests validation,they must contact RCA within 30 days. If there is no response, the debt is deemed valid. The notice also states that the item will be listed with the credit bureau(s) if the consumer fails to fulfill the terms of their credit obligation. This account was ultimately reported to the credit bureaus on 11/28/2022.

      *************************** asserts in this BBB complaint that the original contract wasnt provided when requested. This BBB complaint and two electronic disputes filed with the credit bureaus on 01-11-2023 (RCA responded back electronically on 02/02/2023)and on 03/01/2023 (RCA responded back electronically on 03/24/2023) and a phone conversation on 10/25/2022 in which *************************** reached out to RCA and spoke to a representative. *************************** offered to split the balance into three installments to pay off. *************************** never called back to set-up payments,nor were payments received to RCA. In that conversation and the 2 electronic disputes filed, the original contract was never requested.
      Upon receipt of this complaint, RCA contacted the original creditor and requested an itemized statement for the services rendered, billing summary and/or contract.These were received by RCA and mailed to *************************** on 05/13/2024. The documents were mailed to the address in this BBB complaint.

      *************************** also asserts that a contract was never signed with RCA to collect on behalf of the original client. The original client did not sell the debt to RCA. RCA works under a strict BAA (Business Associate Agreement) contract with the original client to collect their past-due accounts.

      RCA has investigated the dispute and confirmed with the creditor that the debt it is reporting is accurate and under the circumstances,neither the ***** nor the **** mandate that RCA remove the **** from ***************************** credit reports.

      As required, the account is being reported to the credit bureaus as disputed.

      Thank you,
      *******************************
      Quality Assurance & Compliance Manager


    • Complaint Type:
      Customer Service Issues
      Status:
      Answered
      I am not liable for this debt with Rash Curtis And Associates. I do not have a contract with ****************** They did not provide me with the original contract as I requested

      Business response

      05/03/2024

      Good morning,

      This is in response to BBB complaint #******** filed by ********************* against Rash Curtis & Associates (RCA). RCA would like to respond as follows:

      RCA is reporting three accounts to the credit bureaus.

      The first account was placed for collections on 05/02/2019 for services rendered by the creditor on 05/25/2018. On 05/03/2019, RCA, as required, mailed ********************* notice of the debt. RCA has never received any indication that the address was incorrect through returned mail from the United States Postal Service.

      The notice explains that if the consumer disputes the debt and/or requests validation, they must contact RCA within 30 days. If there is no response, the debt is deemed valid. The notice also states that the item will be listed with the credit bureau(s) if the consumer fails to fulfill the terms of their credit obligation. This account was ultimately reported to the credit bureaus on 06/26/2019.

      The second account was placed for collections on 05/02/2019 for services rendered by the creditor on 09/03/2018. On 05/03/2019, RCA, as required, mailed ********************* notice of the debt. RCA has never received any indication that the address was incorrect through returned mail from the United States Postal Service.

      The notice explains that if the consumer disputes the debt and/or requests validation, they must contact RCA within 30 days. If there is no response, the debt is deemed valid. The notice also states that the item will be listed with the credit bureau(s) if the consumer fails to fulfill the terms of their credit obligation. This account was ultimately reported to the credit bureaus on 06/26/2019.

      The third account was placed for collections on 05/02/2019 for services rendered by the creditor on 09/03/2018. On 05/03/2019, RCA, as required, mailed ********************* notice of the debt. RCA has never received any indication that the address was incorrect through returned mail from the United States Postal Service.

      The notice explains that if the consumer disputes the debt and/or requests validation, they must contact RCA within 30 days. If there is no response, the debt is deemed valid. The notice also states that the item will be listed with the credit bureau(s) if the consumer fails to fulfill the terms of their credit obligation. This account was ultimately reported to the credit bureaus on 06/26/2019.

      ********************* asserts in this BBB complaint that the original contract wasnt provided when requested. This BBB complaint and sixteen electronic disputes filed with the credit bureaus on 09-12-2020 (RCA responded back electronically on 09-18-2020), 10-02-2020 (RCA responded back electronically on 10-15-2020), 05-05-2021 (RCA responded back electronically on 05-05-2021), 05-09-2021 (RCA responded back electronically on 05-10-2021), 10-08-2021 (RCA responded back electronically on 10-08-2021), 12-09-2021 (RCA responded back electronically on 12-09-2021), 01-08-2022 (RCA responded back electronically on 01-10-2022), 02-14-2022 (RCA responded back electronically on 02-14-2022), 02-15-2022 (RCA responded back electronically on 02-15-2022), 02-16-2022 (RCA responded back electronically on 02-16-2022), 02-22-2022 three times (RCA responded back electronically on 02-22-2022), 04-22-2022 (RCA responded back electronically on 04-22-2022), 03-19-2023 (RCA responded back electronically on 04-06-2023), 06-01-2023 (RCA responded back electronically on 06-16-2023) is the only contact RCA has had with *********************, in which the original contract was never requested.

      Upon receipt of this complaint, RCA contacted the original creditor and requested an itemized statement for the services rendered and a billing summary. These were received by RCA and mailed to ********************* on 05-03-2024.These were mailed to the address in this BBB complaint.

      ********************* also asserts that a contract was never signed with RCA to collect on behalf of the original client. The original client did not sell the debt to RCA. RCA works under a strict BAA (Business Associate Agreement) contract with the original client to collect their past-due accounts.

      RCA has investigated the dispute and confirmed with the creditor that the debts it is reporting are accurate and under the circumstances, neither the ***** nor the **** mandate that RCA remove the marks from *********************** credit reports.

      As required, the accounts are being reported to the credit bureaus as disputed.




      Thank you,
      *******************************
      Quality Assurance & Compliance Manager

    • Complaint Type:
      Order Issues
      Status:
      Answered
      i am not liable for this debt with ******* INPATIENT MED *** RE. i do not have a contract with RASH CURTIS & ASSOCIATES. they did not provide me with the original contract as o requested.

      Business response

      04/29/2024

      Good afternoon,

      This is in response to BBB complaint #******** filed by ********************* against Rash Curtis & Associates (RCA). RCA would like to respond as follows:

      RCA has a total of eight outstanding accounts in our office for collections. Three have been reported the credit bureaus and five will not be reporting at all.

      The first was placed for collections on 06/14/2019 for services rendered by the creditor on 05/14/2018. On 06/17/2019,RCA, as required, mailed ********************* notice of the debt. This notice was mailed to the same address provided by the original client and the same address on this BBB complaint. RCA has never received any indication that the address was incorrect through returned mail from the United ********************** The notice explains that if the consumer disputes the debt and/or requests validation, they must contact RCA within 30 days. If there is no response, the debt is deemed valid. The notice also states that the item will be listed with the credit bureau(s) if the consumer fails to fulfill the terms of their credit obligation. RCA did not hear from *********************, so this account was ultimately reported to the credit bureaus on 08/02/2019.

      The second account was placed for collections on 06/14/2019 for services rendered by the creditor on 05/14/2018. On 06/17/2019, RCA, as required, mailed ********************* notice of the debt. This notice was mailed to the same address provided by the original client and the same address on this BBB complaint. RCA has never received any indication that the address was incorrect through returned mail from the United ********************** The notice explains that if the consumer disputes the debt and/or requests validation, they must contact RCA within 30 days. If there is no response, the debt is deemed valid. The notice also states that the item will be listed with the credit bureau(s) if the consumer fails to fulfill the terms of their credit obligation. RCA did not hear from *********************, so this account was ultimately reported to the credit bureaus on 08/02/2019.

      The third account was placed for collections on 07/15/2019 for services rendered by the creditor on 03/17/2019. On 07/16/2019, RCA, as required, mailed ********************* notice of the debt. This notice was mailed to the same address provided by the original client and the same address on this BBB complaint. RCA has never received any indication that the address was incorrect through returned mail from the United ********************** The notice explains that if the consumer disputes the debt and/or requests validation, they must contact RCA within 30 days. If there is no response, the debt is deemed valid. The notice also states that the item will be listed with the credit bureau(s) if the consumer fails to fulfill the terms of their credit obligation. RCA did not hear from *********************, so this account was ultimately reported to the credit bureaus on 09/25/2019.

      The fourth account was placed for collections on 08/15/2022 for services rendered by the creditor on 02/15/2022. On 08/17/2022, RCA, as required, mailed ********************* notice of the debt. This notice was mailed to the same address provided by the original client and the same address on this BBB complaint. RCA has never received any indication that the address was incorrect through returned mail from the United ********************** The notice explains that if the consumer disputes the debt and/or requests validation, they must contact RCA within 30 days. If there is no response, the debt is deemed valid. The notice also states that the item will be listed with the credit bureau(s) if the consumer fails to fulfill the terms of their credit obligation. RCA did not hear from *********************, so this account was ultimately reported to the credit bureaus on 03/28/2023.

      The fifth account was placed for collections on 02/20/2024 for services rendered by the creditor on 02/15/2022. On 02/26/2024, RCA, as required, mailed ********************* notice of the debt. This notice was mailed to the same address provided by the original client and the same address on this BBB complaint. RCA has never received any indication that the address was incorrect through returned mail from the United ********************** The notice explains that if the consumer disputes the debt and/or requests validation, they must contact RCA within 30 days. If there is no response, the debt is deemed valid. The notice also states that the item will be listed with the credit bureau(s) if the consumer fails to fulfill the terms of their credit obligation. This account will not be reported to the credit bureaus.

      The sixth account was placed for collections on 02/22/2024 for services rendered by the creditor on 02/15/2022. On 02/26/2024, RCA, as required, mailed ********************* notice of the debt. This notice was mailed to the same address provided by the original client and the same address on this BBB complaint. RCA has never received any indication that the address was incorrect through returned mail from the United ********************** The notice explains that if the consumer disputes the debt and/or requests validation, they must contact RCA within 30 days. If there is no response, the debt is deemed valid. The notice also states that the item will be listed with the credit bureau(s) if the consumer fails to fulfill the terms of their credit obligation. This account will not be reported to the credit bureaus.

      The seventh account was placed for collections on 02/22/2024 for services rendered by the creditor on 02/15/2022. On 02/26/2024, RCA, as required, mailed ********************* notice of the debt. This notice was mailed to the same address provided by the original client and the same address on this BBB complaint. RCA has never received any indication that the address was incorrect through returned mail from the United ********************** The notice explains that if the consumer disputes the debt and/or requests validation, they must contact RCA within 30 days. If there is no response, the debt is deemed valid. The notice also states that the item will be listed with the credit bureau(s) if the consumer fails to fulfill the terms of their credit obligation. This account will not be reported to the credit bureaus.

      The eighth account was placed for collections on 02/22/2024 for services rendered by the creditor on 02/16/2022. On 02/26/2024, RCA, as required, mailed ********************* notice of the debt. This notice was mailed to the same address provided by the original client and the same address on this BBB complaint. RCA has never received any indication that the address was incorrect through returned mail from the United ********************** The notice explains that if the consumer disputes the debt and/or requests validation, they must contact RCA within 30 days. If there is no response, the debt is deemed valid. The notice also states that the item will be listed with the credit bureau(s) if the consumer fails to fulfill the terms of their credit obligation. This account will not be reported to the credit bureaus.

      ********************* asserts in this BBB complaint that the original contract wasnt provided when requested. This BBB complaint, three electronic disputes filed with the credit bureaus on 10/21/2020 (RCA responded back electronically on 11/02/2020) on 04/23/2021 (RCA responded back electronically on 04/23/2021) on 04/19/24 (RCA responded back electronically on 04/25/2024) and a phone conversation on 02/26/2024 in which ********************* stated that these outstanding debts will never be paid, and the call ended. The accounts were placed on a cease and desist based off that conversation. ********************* never requested the original contract in those correspondences.

      Upon receipt of this complaint, RCA contacted the original creditor and requested an itemized statement for the services rendered and a billing summary. Once received, these documents will be mailed to the address in this BBB complaint.  

      In this BBB complaint, ********************* also asserts that a contract was never signed with RCA to collect on behalf of the original client. The original client did not sell the debt to RCA. RCA works under a strict BAA (Business Associate Agreement) contract with the original client to collect their past-due accounts.

      Under the circumstances, neither the ***** nor the **** mandate that RCA remove the **** from ***************** credit reports.

      As required, the qualifying accounts are being reported to the credit bureaus as disputed.

      Thank you,
      *******************************
      Quality Assurance & Compliance Manager

    • Complaint Type:
      Order Issues
      Status:
      Answered
      I am not liable for this debt with ***************** HEALTH CONCORD EPIC. I do not have a contract with RASH CURTIS AND ASSOCIATES. They did not provide me with the original contract as I requested.

      Business response

      04/23/2024

      Good morning,

      This is in response to BBB complaint #******** filed by ************************* against Rash Curtis & Associates (RCA).RCA would like to respond as follows:

      RCA is reporting one account to the credit bureaus. The account was placed for collections on 05/15/2023 for services rendered by the creditor on 10/12/2021.

      On 05/16/2023, RCA, as required, mailed ************************* notice of the debt.This notice was mailed to the same address provided by the original client.

      RCA has never received any indication that the address was incorrect through returned mail from the United States Postal Service.

      The notice explains that if the consumer disputes the debt and/or requests validation,they must contact RCA within 30 days. If there is no response, the debt is deemed valid. The notice also states that the item will be listed with the credit bureau(s) if the consumer fails to fulfill the terms of their credit obligation. RCA did not hear from *************************, so this account was ultimately reported to the credit bureaus on 07/12/2023.

      ************************* asserts in this BBB complaint that the original contract wasnt provided when requested. This BBB complaint and an electronic dispute filed with the credit bureaus on 04-13-2024 (RCA responded back electronically on 04-22-2024)is the only contact RCA has had with *************************, in which the original contract was never requested. Upon receipt of this complaint, RCA contacted the original creditor and requested an itemized statement for the services rendered and a billing summary. These were received by RCA and mailed to ************************* on 04-23-2024 to the address RCA has on file, since a new address wasn't provided in this BBB complaint.

      ************************* also asserts that a contract was never signed with RCA to collect on behalf of the original client. The original client did not sell the debt to RCA. RCA works under a strict BAA (Business Associate Agreement) contract with the original client to collect their past-due accounts.

      RCA has investigated the dispute and confirmed with the creditor that the debt it is reporting is accurate and under the circumstances,neither the ***** nor the **** mandate that RCA remove the **** from ******************* credit reports.

      As required, the account is being reported to the credit bureaus as disputed.

      Thank you,
      *******************************
      Quality Assurance & Compliance Manager

    • Complaint Type:
      Order Issues
      Status:
      Answered
      I am not liable for this debt with ******* ********************* I do not have a contract with Rash Curtis and Associat. they did not provide me with the original contract as I requested.

      Business response

      04/18/2024

      Good morning,

      This is in response to BBB complaint #******** filed by ************************************* against Rash Curtis & Associates (RCA). RCA would like to respond as follows:

      RCA is reporting one account to the credit bureaus. The account was placed for collections on 06/01/2023 for services rendered by the creditor on 12/22/2022.

      On 06/02/2023, RCA, as required, mailed ************************************* notice of the debt. This notice was mailed to the same address provided by the original client.

      RCA has never received any indication that the address was incorrect through returned mail from the United States Postal Service.

      The notice explains that if the consumer disputes the debt and/or requests validation,they must contact RCA within 30 days. If there is no response, the debt is deemed valid. The notice also states that the item will be listed with the credit bureau(s) if the consumer fails to fulfill the terms of their credit obligation. RCA did not hear from *************************************, so this account was ultimately reported to the credit bureaus on 01/25/2024.

      ************************************* asserts in this BBB complaint that the original contract wasnt provided when requested. This BBB complaint is the first and only contact RCA has had with *************************************. RCA has never received a request from ************************************* to get supporting documents sent until this BBB complaint was filed.

      RCA contacted the original creditor and requested an itemized statement for the services rendered and a billing summary. Once received by RCA, the documents will be mailed to ************************************* to the address in this BBB complaint.

      ************************************* also asserts that a contract was never signed with RCA to collect on behalf of the original client. The original client did not sell the debt to RCA. RCA works under a strict BAA (Business Associate Agreement)contract with the original client to collect their past-due accounts.

      Under the circumstances, neither the ***** nor the **** mandate that RCA remove the **** from *************************************** credit reports,however, if the original client deemed this account was sent to RCA in error,this account will be deleted from the credit report.

      As required, the account is being reported to the credit bureaus as disputed.

      Thank you,
      *******************************
      Quality Assurance & Compliance Manager

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