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Business Profile

Collections Agencies

RMS- Recovery Management Services, Inc.

This business is NOT BBB Accredited.

Find BBB Accredited Businesses in Collections Agencies.

Complaints

This profile includes complaints for RMS- Recovery Management Services, Inc.'s headquarters and its corporate-owned locations. To view all corporate locations, see

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RMS- Recovery Management Services, Inc. has 2 locations, listed below.

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    Customer Complaints Summary

    • 44 total complaints in the last 3 years.
    • 13 complaints closed in the last 12 months.

    If you've experienced an issue

    Submit a Complaint

    The complaint text that is displayed might not represent all complaints filed with BBB. Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business.

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    Complaint status

    Complaint type

    • Initial Complaint

      Date:04/07/2025

      Type:Service or Repair Issues
      Status:
      Answered
      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      To: RMS Representing *************************** and ******* **************** Subject: Urgent Request for Immediate Update and Deletion of Paid Collection Dear ********************************** am writing to formally dispute the continued reporting of a $717 balance related to *************************** on my Equifax credit file. On March 6, 2025, I paid the full amount of $717 via RMS, as confirmed by both RMS and my bank (supporting documentation is attached). At the time of payment, I was explicitly informed that this account would be removed from my credit report immediately.Despite this, ******* continues to inaccurately report the balance as outstanding, which constitutes a material reporting error under the Fair Credit Reporting Act (FCRA). This misreporting is directly impeding my mortgage process and causing unnecessary delays, as confirmed by my loan officer.I am respectfully requesting that this account be corrected and permanently deleted from my Equifax report without further delay. I have submitted full proof of payment and expect immediate action in compliance with **** regulations.Thank you for your prompt attention to this urgent matter. Please confirm once the update has been made.Sincerely, E.S.

      Business Response

      Date: 04/08/2025

      Our company acknowledges your correspondence regarding an individual who contacted BBB.Unfortunately, federal law prohibits us from providing a robust response. In fact, we are unable to even admit or deny whether our company had any interaction with the individual who contacted you. We do state that the claim set out in your correspondence is denied. In other words, to the extent our company did interact with the individual, again which we can neither admit nor deny, our company would have fully complied with all applicable laws.

    • Initial Complaint

      Date:02/14/2025

      Type:Billing Issues
      Status:
      Answered
      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      15 U.S.C. 1681 Section 602 A. States I have the right to privacy.15 U.S.C. 1681 Section 604 A Section 2: It also states a consumer reporting agency cannot furnish an account without my written instructions.15 U.S.C. 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.

      Business Response

      Date: 02/17/2025

      Our company acknowledges your correspondence regarding an individual who contacted BBB. Unfortunately,federal law prohibits us from providing a robust response. In fact, we are unable to even admit or deny whether our company had any interaction with the individual who contacted you. We do state that the claim set out in your correspondence is denied. In other words, to the extent our company did interact with the individual, again which we can neither admit nor deny, our company would have fully complied with all applicable laws.

    • Initial Complaint

      Date:01/29/2025

      Type:Customer Service Issues
      Status:
      Resolved
      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      This occurred sometime in December of 2024. This isn't a typical complaint. My issue with this company is the delivery they provided me. The first call I received the representative was extremely aggressive and telling me I couldn't make monthly payments. I knew that wasn't true. He was quite intimidating. I requested to be transferred to a supervisor. The supervisor's name is Ms. ******* I spoke with her briefly yesterday regarding the breakdown she was helpful to a point but, like her employee got aggressive when I stated I would make monthly payments but I don't have the total amount to pay in full. 

      Business Response

      Date: 01/30/2025

      Our company acknowledges your correspondence regarding an individual who contacted BBB. Unfortunately,federal law prohibits us from providing a robust response. In fact, we are unable to even admit or deny whether our company had any interaction with the individual who contacted you. We do state that the claim set out in your correspondence is denied. In other words, to the extent our company did interact with the individual, again which we can neither admit nor deny, our company would have fully complied with all applicable laws.

    • Initial Complaint

      Date:01/21/2025

      Type:Billing Issues
      Status:
      Answered
      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      I am not liable for this debt with ***************************, I do not have a contract with RMS-Recovery Management, they did not provide me with the original contract as I requested.

      Business Response

      Date: 01/24/2025

      Our company acknowledges your correspondence regarding an individual who contacted BBB. Unfortunately,federal law prohibits us from providing a robust response. In fact, we are unable to even admit or deny whether our company had any interaction with the individual who contacted you. We do state that the claim set out in your correspondence is denied. In other words, to the extent our company did interact with the individual, again which we can neither admit nor deny, our company would have fully complied with all applicable laws.

      Customer Answer

      Date: 02/06/2025

      Complaint: 22839678

      I am rejecting this response because: Unfortunately, their response does not address my concerns or provide any evidence to validate the debt in question. Under 15 U.S. Code 1692g(b), I have the right to request validation of the debt, and RMS has not provided: Proof that the debt is valid and belongs to me. Documentation of their legal right to collect the debt. An explanation of the amount owed and how it was calculated. Additionally, under 15 U.S. Code 1681e(b) and 15 U.S. Code 1681s-2(a) (1)(A), creditors and debt collectors are required to ensure the accuracy of information reported to credit bureaus. If they are unable to provide documentation proving that this debt is valid, they are obligated to remove it from my credit report. Their refusal to admit or deny any interaction with me, combined with their failure to provide validation, raises further concerns about their compliance with both the ***** and the ****. I kindly ask RMS to provide detailed validation of this debt, including: 1. Documentation from *************************** confirming this debt. 2. Proof that RMS has the legal authority to collect on this account. 3. An accurate breakdown of the amount they claim I owe. If RMS cannot provide this information, I request that the debt be removed from my credit report and that they cease any further collection efforts. Thank you for your assistance, and I look forward to your response. 

      Sincerely,

      Princeton *******

      Business Response

      Date: 02/06/2025

      Our company acknowledges your correspondence regarding an individual who contacted BBB. Unfortunately,federal law prohibits us from providing a robust response. In fact, we are unable to even admit or deny whether our company had any interaction with the individual who contacted you. We do state that the claim set out in your correspondence is denied. In other words, to the extent our company did interact with the individual, again which we can neither admit nor deny, our company would have fully complied with all applicable laws.

      Customer Answer

      Date: 02/06/2025

       
      Complaint: 22839678

      I am rejecting this response because:

      Unfortunately, their response does not address my concerns or provide any evidence to validate the debt in question.
      Under 15 U.S. Code 1692g(b), I have the right to request validation of the debt, and RMS has not provided:


      Proof that the debt is valid and belongs to me.
      Documentation of their legal right to collect the debt.
      An explanation of the amount owed and how it was calculated.
      Additionally, under 15 U.S. Code 1681e(b) and
      15 U.S. Code 1681s-2(a) (1)(A), creditors and debt collectors are required to ensure the accuracy of information reported to credit bureaus. If they are unable to provide documentation proving that this debt is valid, they are obligated to remove it from my credit report.




      Their refusal to admit or deny any interaction with me, combined with their failure to provide validation, raises further concerns about their compliance with both the ***** and the FCRA.
      I kindly ask RMS to provide detailed validation of this debt, including:
        Documentation from ****************
      University confirming this debt.
        Proof that RMS has the legal authority to collect on this account.
        An accurate breakdown of the amount they claim I owe.
      If RMS cannot provide this information, I request that the debt be removed from my credit report and that they cease any further collection efforts.


      Thank you for your assistance, and I look forward to your response.
      Sincerely,


      Princeton ****** *******

       



      Sincerely,

      Princeton *******

    • Initial Complaint

      Date:10/24/2024

      Type:Order Issues
      Status:
      Answered
      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      I am not liable for this debt with Recovery Management service. I do not have a contract with this collection agency. I did not sign no contract or paperwork ***** RMS stating that i would pay them any sum of money. *** did not provide me with the original contract as i requested.

      Customer Answer

      Date: 10/25/2024

      I submitted my complaint myself, ****** ****** Sr. *** stated on my credit report that I owe them 120 dollars. I do not know where this come from. I did not sign no contract with ***, *** do not have nothing with my signature on it. I sent *** a letter asking for the original contract to validated this issue at hand. I been called numerous times about a unknown debt from ***, which just appeared on my Credit report.

       

      v/r

      ****** ****** Sr

      Business Response

      Date: 10/28/2024

      Hello, 

       

       

      Our company acknowledges your correspondence regarding an individual who contacted BBB. Unfortunately,federal law prohibits us from providing a robust response. In fact, we are unable to even admit or deny whether our company had any interaction with the individual who contacted you. We do state that the claim set out in your correspondence is denied. In other words, to the extent our company did interact with the individual, again which we can neither admit nor deny, our company would have fully complied with all applicable laws.

      Customer Answer

      Date: 11/07/2024

       
      Complaint: 22468515

      I am rejecting this response because: 
      I have attached proof of what RMS sent back to me and I do not have NO contract with RMS

      Sincerely,

      ****** ******

      Business Response

      Date: 11/07/2024

      Our company acknowledges your correspondence regarding an individual who contacted BBB. Unfortunately,federal law prohibits us from providing a robust response. In fact, we are unable to even admit or deny whether our company had any interaction with the individual who contacted you. We do state that the claim set out in your correspondence is denied. In other words, to the extent our company did interact with the individual, again which we can neither admit nor deny, our company would have fully complied with all applicable laws.

      Customer Answer

      Date: 11/09/2024

       
      Complaint: 22468515


      I ****** ******, requested RMS to send my a signed contract that they had with me and RMS could not provide one. RMS sent back paperwork, that I attached from Columbia Collage which I attended for free. VA and GI Bill paid 100% for my college fee. This stuff from RMS again just appeared on my credit report. Any debt was paid in full to Columbia Collage. I attached proof..


      I am rejecting this response because:

      Sincerely,

      ****** ******

    • Initial Complaint

      Date:08/26/2024

      Type:Order Issues
      Status:
      Unpursuable
      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      Recovery management services has been reporting on my credit report and I have never done business with them or signed any form of contract or agreement with them. I contacted them about this debt and requested documents over 2 months now by certified mail and they refused to respond back. I ask for verification of debt they can't provide me with it.

    • Initial Complaint

      Date:08/14/2024

      Type:Order Issues
      Status:
      Answered
      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      I am not liable for this debt with arizona state university, I do not have a contract with Recovery Management Services, they did not provide me with the original contract as i requested

      Business Response

      Date: 08/16/2024

      Our company acknowledges your correspondence regarding an individual who contacted BBB. Unfortunately,federal law prohibits us from providing a robust response. In fact, we are unable to even admit or deny whether our company had any interaction with the individual who contacted you. We do state that the claim set out in your correspondence is denied. In other words, to the extent our company did interact with the individual, again which we can neither admit nor deny, our company would have fully complied with all applicable laws.

    • Initial Complaint

      Date:08/09/2024

      Type:Order Issues
      Status:
      Resolved
      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      I am not liable for this debt with Western Michigan University I do not have a contract with RMS-RECOVERY MANAGEMENT they did not provide me with the original contract as requested.

      Business Response

      Date: 08/14/2024

      Our company acknowledges your correspondence regarding an individual who contacted BBB. Unfortunately,federal law prohibits us from providing a robust response. In fact, we are unable to even admit or deny whether our company had any interaction with the individual who contacted you. We do state that the claim set out in your correspondence is denied. In other words, to the extent our company did interact with the individual, again which we can neither admit nor deny, our company would have fully complied with all applicable laws.

    • Initial Complaint

      Date:07/23/2024

      Type:Order Issues
      Status:
      Unpursuable
      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      I am not liable for this debt with ************************* I do not have a contract with RMS-RECOVERY MANAGEMEN. They did not provide me with the original contract as I requested.

    • Initial Complaint

      Date:07/12/2024

      Type:Service or Repair Issues
      Status:
      Answered
      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      I have never attended *************. I have a degree from *********************************. I have never took a class, and if my name is on their records its FRAUD. I have never went to this school, this was on my report before and it was finally taken off and then they put it back AGAIN!! This is the second time I am fighting this to be taken off my report as a fraudulent account. I have disputed multiple times with no action being done.

      Business Response

      Date: 07/12/2024

      Our company acknowledges your correspondence regarding an individual who contacted BBB.Unfortunately, federal law prohibits us from providing a robust response. In fact, we are unable to even admit or deny whether our company had any interaction with the individual who contacted you. We do state that the claim set out in your correspondence is denied. In other words, to the extent our company did interact with the individual, again which we can neither admit nor deny, our company would have fully complied with all applicable laws.

      Customer Answer

      Date: 07/12/2024

       
      Complaint: 21973160

      I am rejecting this response because:

      Sincerely,

      ***************************

      Business Response

      Date: 07/24/2024

      Our company acknowledges your correspondence regarding an individual who contacted BBB. Unfortunately,federal law prohibits us from providing a robust response. In fact, we are unable to even admit or deny whether our company had any interaction with the individual who contacted you. We do state that the claim set out in your correspondence is denied. In other words, to the extent our company did interact with the individual, again which we can neither admit nor deny, our company would have fully complied with all applicable laws.

      Customer Answer

      Date: 07/24/2024

       
      Complaint: 21973160

      I am rejecting this response because: this claim is false, I have never attended this university. 

      Sincerely,

      ***************************

    RMS- Recovery Management Services, Inc. is NOT a BBB Accredited Business.

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