ComplaintsforRS Clark & Associates, Inc.

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Initial Complaint
07/09/2024
Complaint Type:
Billing Issues
Status:
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.
Hello. I reviewed my Consumer Reports and noticed that there were an inaccurate accounts on my credit report. ACCOUNT NAME: RS ********************** AND ASSOCIATE.ACCT# ***************.ACCOUNT NAME: RS ********************** AND ASSOCIATE.ACCT# ******************************************* play a crucial role in accurately reporting consumer information. I contacted all credit bureaus to request an investigation and removal of an inaccurate account they are reporting illegally.Specifically, I asked for the original application with my signature, but they have failed to provide this evidence. Also, I contacted the *** Clark and Associate" directly and requested "validation" - evidence bearing my signature, showing that I have (or ever had) some contractual obligation to pay them.They received my email on June 7th (I will attach proof), but I haven't received any requested evidences from them within a month. This is a violation of the Fair Credit Reporting Act, and these disputed items may not appear on my credit report if they can't be verified by any evidence or proof.Thank you!
Business response
07/17/2024
RS Clark and Associates, **** will not discuss any account matters on public forums. Please address these types of inquiries, in the future, to us directly via mail: ********************************** or through the ************************************ secure website portal @www.consumerfinance.gov/complaint/
Initial Complaint
06/10/2024
Complaint Type:
Billing Issues
Status:
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.
A few months ago I noticed a collection on my credit report for an account opened in May of 2023. The collection agency is R.S. Clark and Associates and the original creditor is a previous apartment complex that I moved out of in 2021. I paid rent on time every month and paid all fees before moving out. In 2021, I had to move apartments in the complex due to the Texas winter storm that caused damage to a number of their units. My wife and I were looking for a house, so we were on a month-to-month lease and did not want to sign a new lease. The complex transferred us to a different unit and allowed us to remain on a month-to-month lease under their 6-month lease rate due to our unit being damaged by the storm. We moved out of that unit in May 2021 and provided all information needed to move out and paid all rent and utilities needed. I was never informed of any other fees or payments and have received zero communication about the collection or debt. I have made an official complaint with the **** and R.S. Clark and Associates is not listed as receiving complaints. I have never received paperwork or information regarding this debt and it should be removed from my credit report.
Business response
06/11/2024
RS Clark and Associates, **** will not discuss any account matters on public forums. Please address these types of inquiries, in the future, to us directly via mail: ********************************** or through the ************************************ (CFPB) secure website portal @www.consumerfinance.gov/complaint/
We receive and respond to complaints / disputes daily from the CFPB.
Initial Complaint
05/22/2024
Complaint Type:
Billing Issues
Status:
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.
I am not liable for this debt with ***************** North Texas, ******.I do not have a contract with RS Clark & Associates, they did not provide me with the contract as requested
Business response
05/23/2024
RS Clark and Associates, **** will not discuss any account matters on public forums. Please address these types of inquiries, in the future, to us directly via mail: ********************************** or through the ************************************ secure website portal @www.consumerfinance.gov/complaint/

Initial Complaint

05/22/2024

Complaint Type:: Billing Issues
Status:: 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.

Accounts Affected by the Crime Account Number: **************** 5/2024 Other ********************** or RS CLARK & ASSOCIATE Organization: original creditor:APPLIANCE WAREHOUSE Date fraud began: Date that I discovered it:Total fraudulent amount: $ 2330 ******************************************************* Page 1 of 2 ************************** 5/22/24, 9:45 AM Company or Organization:Account Number:5/2024 TDRCS RAYMOUR AND FLANIG ********** 4/2021 Date fraud began: Date that I discovered it:Total fraudulent amount: $ 3713 Fraudulent Information on Credit Reports Accounts or Charges Personal Information Credit Inquiries Yes, fraudulent accounts or charges appear on my credit report Addresses: *************************************************************** CAP ONE NA DT CREDIT

Business response

05/23/2024

RS Clark and Associates, **** will not discuss any account matters on public forums. Please address these types of inquiries, in the future, to us directly via mail: ********************************** or through the ************************************ secure website portal @www.consumerfinance.gov/complaint/

Customer response

07/30/2024

***************** Personal Statement First Name: Last Name: Address: Phone: Email: ****************************************************************************************************** ************ Accounts Affected by the Crime Account Number: **************** 5/2024 **************************** or RS CLARK & ASSOCIATE Organization: original creditor: APPLIANCE WAREHOUSE Date fraud began: Date that I discovered it: Total fraudulent amount: $ 2330 ******************************************************* Page 1 of 2 ************************** 5/22/24, 9:45 AM Company or Organization: Account Number: 5/2024 TDRCS RAYMOUR AND FLANIG ********** 4/2021 Date fraud began: Date that I discovered it: Total fraudulent amount: $ 3713 Fraudulent Information on Credit Reports Accounts or Charges Personal Information Credit Inquiries Yes, fraudulent accounts or charges appear on my credit report Addresses: *******************************************************************************************************************

Business response

08/08/2024

Initial Complaint
05/03/2024
Complaint Type:
Customer Service Issues
Status:
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.
Received voicemail from company then they called a relative thinking they had the correct person. There are 27 people in ** with my name and they are calling the wrong one only to harass me and my family for a matter that is not mine!
Business response
05/07/2024
RS Clark and Associates, **** will not discuss any account matters on public forums. Please address these types of inquiries, in the future, to us directly via mail: ********************************** or through the ************************************ secure website portal @www.consumerfinance.gov/complaint/
Customer response
05/07/2024
I am rejecting this response because: The reasoning is vague and I was not the intended recipient. I want my information removed
Business response
05/07/2024
RS Clark and Associates, **** will not discuss any account matters on public forums. Please address these types of inquiries, in the future, to us directly via mail: ********************************** or through the ************************************ secure website portal @www.consumerfinance.gov/complaint/
Initial Complaint
03/29/2024
Complaint Type:
Billing Issues
Status:
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.
My identity has been compromised after I had learned these past few weeks from my credit report that someone has been using and changing my information eg address to multiple different addresses, accounts and inquiries were fraudulently opened. I have contacted the creditors to make them aware of this. All of them are requesting that I fill out a full Packet to show cause in order for them to cease reporting to my credit due to this identity theft. I also found this account that I believe not mine:Acct name: RS ********************** ASC (Original Creditor: 01 APPLIANCE WAREHOUSE)acct no. RS ********************** ASC (Original Creditor: 01 APPLIANCE WAREHOUSE)40065001116****date opened 11/08/2019 balance $0.00 I am not liable for this debt and I do not have a contract with:Company: RS CLARK & ASSOCIATES Address: **************************************** Tel No: ************** Police Report and FTC Affidavit are attached with this complaint together with dispute letter sent to the bureaus and the authorization for release of information. I also filed complaints thru CFPB. Please delete this account from my credit report at once. Any questions or concerns I can be reached at ************************************************ and email at DeMarcus.*************@gmail.com.I need a response from the company.
Business response
04/04/2024
RS Clark and Associates, **** will not discuss any account matters on public forums. Please address these types of inquiries, in the future, to us directly via mail: ********************************** or through the ************************************ secure website portal @www.consumerfinance.gov/complaint/
Customer response
04/13/2024
Creditor mentioned " RS Clark and Associates, **** will not discuss any account matters on public forums. Please address these types of inquiries, in the future, to us directly via mail: ********************************** or through the ************************************ secure website portal @ www.consumerfinance.gov/complaint/"

I have filed with CFPB
The confirmation numbers are below:
ID FOR COMPLAINT SENT TO EQUIFAX 240327-13752168
ID FOR COMPLAINT SENT TO EXPERIAN 240327-13752186
ID FOR COMPLAINT SENT TO TRANSUNION 240327-13752185

I have also sent my response via mail the tracking number is 9214 8901 4298 0401 2560 14
Business response
04/15/2024
As previously stated, RS Clark and Associates, **** will not discuss any account matters on public forums. To ensure privacy, responses will be made directly through CFPB or directly to the consumer.

Customer response
04/20/2024
I am rejecting this response because:
CREDITOR MENTIONED "RS Clark and Associates, **** will not discuss any account matters on public forums. To ensure privacy, responses will be made directly through CFPB" BUT THEY HAVE NOT RESPONDED TO ME CFPB COMPLAINT EITHER THT WAS MADE ON 3/27/24 COMPLAINT NUMBERS EQUIFAX 240327-13752168, EXPERIAN 240327-13752186, and TRANSUNION 240327-13752185
CREDITOR IS STILL VIOLATING MY CONSUMER RIGHTS BY NOT RESPONDING TO MY COMPLAINTS WHEN CONTACTING THEM DIRECTLY, VIA THE BUREAUS AND NOW BBB.
Initial Complaint
03/17/2024
Complaint Type:
Billing Issues
Status:
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.
I'm not liable for this debt with *********************. I do not have a contract with RS Clark & associates. They did not provide me with the original contract as requested
Customer response
03/19/2024
I am not responsible for the debt with ********************* they had me move out so therefore any amount owed should not be for me to pay. And I was not aware of this information
Business response
03/20/2024
RS Clark and Associates, **** will not discuss any *************** on public forums. Please address these types of inquiries, in the future, to us directly via mail: PO BOX *****, ****** ** 75238-0062 or through the ************************************ secure website portal @www.consumerfinance.gov/complaint/
Customer response
03/20/2024
I am rejecting this response because:
Business response
03/21/2024
RS Clark and Associates, **** will not discuss any *************** on public forums. Please address these types of inquiries, in the future, to us directly via mail: PO BOX *****, ****** ** 75238-0062 or through the ************************************ secure website portal @www.consumerfinance.gov/complaint/
Initial Complaint
03/16/2024
Complaint Type:
Billing Issues
Status:
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.
I noticed that some of my mail were not coming to my address anymore. Also, I discovered last few weeks ago upon reviewing my credit report that there are accounts there that are not mine, tons of unknown addresses that I never resided, inquiries that I never authorized and a variation of my name such as ********************. I have contacted the creditors to make them aware of this. I also found this account that I believe not mine:Acct name: RS ********************** ASC (Original Creditor: 01 APPLIANCE WAREHOUSE)acct no. ***************date opened 07/10/2020 balance $282.00 I am not liable for this debt and I do not have a contract with:Company: RS CLARK & ASSOCIATES Address: ************************************************ Tel No: ************** Police Report and FTC Affidavit are attached with this complaint together with dispute letter sent to *********** and the authorization for release of information. I also filed complaints thru CFPB. Please delete this account from my credit report at once. Any questions or concerns I can be reached at *********************************************************************************************** and email at [email protected] need a response from the company.
Business response
03/19/2024
RS Clark and Associates, **** will not discuss any *************** on public forums. Please address these types of inquiries, in the future, to us directly via mail: PO BOX *****, ****** ** 75238-0062 or through the ************************************ secure website portal @www.consumerfinance.gov/complaint/
Initial Complaint
03/13/2024
Complaint Type:
Sales and Advertising Issues
Status:
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.
THIS COMPANY HAS NEVER ACTUALLY PROVIDED A CONTRACT ((((((WITH MY SIGNATURE))))) STATING THAT I'VE EVER DONE BUSINESS WITH ((((RS CLARK AND ASSOCIATES.)))))) I HAVE BEEN DISPUTING FOR YEARS THAT THIS IS NOT MY DEBT AND I DO NOT OWE RS CLARK AND ASSOCIATES. THEY HAVE NOT SENT ANY DOCUMENTATION STATING THAT I OWE $120 PERSONALLY AND I REQUEST THEY REMOVE THIS FILE AND **** AS FRIVOLOUS HARASSMENT AND DAMAGING TO MY CREDIT REPORT. IF THEY WILL NOT SEND ANY CONTRACT WITH MY SIGNATURE STATING THAT I'VE DONE BUSINESS WITH THIS COMPANY AND OWE THIS AMOUNT, AND REASON WHY I OWE $120 TO RS CLARK AND ASSOCIATES PLEASE REMOVE THIS ACCOUNT FROM MY CREDIT IMMEDIATELY. RESPONSE AS PER COMPLAINT 240227-13436374 ON CFPB STATUE OF DEBT LIMITATIONS IS 3 YEARS IN ************* IT IS CURRENTLY OUTDATED. WHEN ADDRESSING ABOUT THIS ISSUE THEY TRY TO CLOSE OUT MY COMPLAINT AND **** IT AS A DUPLICATE INSTEAD OF ADDRESSING AND CORRECTING THE ISSUE.False information is illegal and is damaging to my report. You failing to remove erroneous reporting from my profile is not legal and not fair according to the **** section 605a Your company claims to have already reviewed but you are falsely reporting information. ATTACHED is **** which clear violation of 604 [ 1681b] , 605 [ 1681c], 617. Civil liability for negligent noncompliance [15 U.S.C. 1681o], 618. Jurisdiction of courts; limitation of actions [15 U.S.C. 1681p], 1692B, 621. Administrative enforcement [15 U.S.C. 1681s], [15 U.S.C. 41 et seq.] , [15 U.S.C. 45(a)], [15 U.S.C. 45(b)], n such action, such person shall be liable for a civil penalty of not more than $2,500 per violation. 623(a)(1) [ 1681s-2], damages for which the person would, be liable to such residents as a result of the violation; or (iii) damages of not more than $1,000 for each willful or negligent violation; and (C) in the case of any successful action shall be awarded the costs of the action and reasonable attorney fees as determined by the court.
Business response
03/13/2024
RS Clark and Associates, **** will not discuss any *************** on public forums. Please address these types of inquiries, in the future, to us directly via mail: PO BOX *****, ****** ** 75238-0062 or through the ************************************ secure website portal @www.consumerfinance.gov/complaint/
Customer response
03/13/2024
I am rejecting this response because: This is not doing anything about my request, and I demand documented action in accordance to my requests and method of pursuing while resolving this matter. Please advise immediately.
Business response
03/13/2024
RS Clark and Associates, **** will not discuss any *************** on public forums. Please address these types of inquiries, in the future, to us directly via mail: PO BOX *****, ****** ** 75238-0062 or through the ************************************ secure website portal @www.consumerfinance.gov/complaint/
Initial Complaint
03/08/2024
Complaint Type:
Billing Issues
Status:
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.
I have never had RS CLARK ASSOCIATES as a creditor. Per my research RS CLARK ASSOCIATES is a debt collector falsely attempting to collect a debt that isn't there's. I have requested that RS CLARK ASSOCIATES provide proof of alleged items. I request to be provided with specifically the original application, contract, note, or another instrument bearing my signature with RS CLARK ASSOCIATES In addition please provide the contract signed between RS CLARK ASSOCIATES notarized and sworn under penalty and perjury for RS CLARK ASSOCIATES ability to collect this alleged debt. I request this under 15 U.S. Code 1692g - Validation of debts. If information is not provided or the false reporting isnt removed; as in Wenger ** ****************** No. 95-6445 (C.D.Cal. No** 14,1995), you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 100% accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be reinvestigated. I further remind you that, as in White ** Experian Information Solutions, 993 F. Supp. 2d 1154 - Dist. Court, (CD California 2014); you may be liable for violating the Fair Credit Reporting Act (FCRA) by recklessly failing to follow reasonable procedures to ensure the accurate reporting of debts discharged in bankruptcy and by refusing to adequately investigate consumer disputes regarding the status of discharged accounts. Please send all validating records through the BBB and certified mail to my address. I have uploaded a copy of my ID showing my mailing address.
Business response
03/13/2024
RS Clark and Associates, **** will not discuss any *************** on public forums. Please address these types of inquiries, in the future, to us directly via mail: PO BOX *****, ****** ** 75238-0062 or through the ************************************ secure website portal @www.consumerfinance.gov/complaint/

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ComplaintsforRS Clark & Associates, Inc.

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