ComplaintsforRGS Financial, LLC.

• Initial Complaint

  06/11/2024

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  On June 11, 2024, this company contacted me saying that My account had been identified for legal review as an insinuation that they were going to do legal action regarding an outstanding debt. Which is against FDCPA guidelines to threaten legal action against a debtor The employee also partially stated the mini ******** which negates anything said after that, this is my second time speaking with the company the first time I advised them to cease, and this is communication to my phone number which has been violated. The company cannot insinuate, intimidate or threaten legal action without being an attorney I advised the representative that I would like for the company to send my information for legal review or legal action since they intend to do so and I would work directly with an attorney. I have spoken with the First party who is legally owed too. The company is also based out of ***** but spoofing phone numbers from different parts of ************** because Ive had several numbers from the same company call and theyre not using the same phone number but when you dial the number back, its not a direct number to an individual Which spoofing is illegal and against the *** act, the company is only allowed to contact me by mail. I will also be reporting this to the state ************************ as well as the ***

  Business response

  06/26/2024

  Customer:  *******************************
  Case Number: 21833271
  Date of Complaint:  6/26/2024
  
  Complaint Response:
  Thank you for contacting our office, ********************, regarding your concerns.  We have investigated your complaint, and your complaint is important to us. In review of your account, we would like to provide you with the following facts:
  
  
  In review of your complaint, RGS contacted you regarding the debt that was placed in collections by ************* Financial. Due to the status of the account per ************* Financial, RGS was instructed to read a specific script to all consumers concerning the next steps in their process if payment has not been made. RGS did not threaten legal action against you, RGS is servicing the account on behalf of ************* Financial. The script that was read to you was written by ************* Financial.
  
  In your complaint you stated that RGS is spoofing phone numbers. RGS owns every phone number that is used when contacting any consumer. The phone numbers are owned by RGS not the employees, therefore the number routes back to the company as a whole and not a specific representative.
  
  
   If you have any questions regarding the scripting that was read or written please contact the original creditor.
  
  
  Sincerely,
  
  RGS Financial, Inc.
  Compliance Department
  
  
  
  
  
  This communication is from a debt collector.
  
  
  

  Customer response

  06/26/2024

  I am rejecting this response because:  the customer clearly stated that it was identified for legal review. If you your record all of your calls, then you would have heard what he said. I specifically stated to send it to the attorney or the legal representation that has identified it for legal review. I also spoke with the original creditor immediately after the phone call and they advised that is not their practice and I have right to only deal with them Per FDCPA it is illegal to insinuate, perpetuate or threaten legal action and for your representative to say that I am animated is also offensive and against FDCPA guidelines. I recommend you listen to that call again and listen to and its violation. I am Financial Crimes Investigator and I have the ability to determine when it is spoofed or an actual number that is assigned to the company. So again since it was identified for legal review which is an insinuation of legal action please send it to the Attorney or legal representation that is working on behalf of RGS. 

  Business response

  06/27/2024

  Customer:  *******************************
  Case Number: 21833271
  Date of Complaint:  6/26/2024
  
  Complaint Response:
  Thank you for contacting our office, ********************, regarding your concerns.  We have investigated your complaint, and your complaint is important to us. In review of your account, we have ceased collection activity and your account has been closed and returned back to the original creditor ************* Financial Services.
  
  Any further questions or concerns should be directed to ************* Financial Services.
  
  
  Sincerely,
  
  RGS Financial, Inc.
  Compliance Department
  
  

• Initial Complaint

  05/11/2024

  Complaint Type:

  Customer Service Issues

  Status:

  Answered

  More info

  I was contacted by a person claiming to be a debt collector that asked repeatedly for personal information, name, address, phone number, SS#. My response was to ask what the debt was supposedly for and they refused to answer threatening me and demanding personal information. I had calmy explained that it was reasonable to ask what they were trying to collect for as I couldn't know if they were legitimate until they did. They refused and threatened more.Based on that, no doubt this is a fraudulent ID theft ring. They have an address in ********** which is likely fake but you should pursue them any way as they were aggressive . They didn't get me to to do anything but I worry for foreign born people and older people being taken in by it.the website is likely fake too, but it is myrgs.com and the number that I was called from was ************.the address listed is RGS Financial *********************************************************

  Business response

  05/24/2024

  Thank you for contacting our office **************** regarding your concerns. We have investigated your complaint, and your complaint is important to us.In review of your account, we would like to provide you with the following facts:
  
  Our office was attempting to contact you in regard to a personal business matter relating to our client, ************** Services.
  We definitely understand that you take protecting your personal information seriously and so does RGS Financial. We have policies and procedures that are in place to protect the sensitive information of all individuals that we attempt to work with to resolve their debts in collections. Before our office can disclose any information, we must follow our procedures to verify if we are speaking with the correct individual. We do not want to divulge your personal information with just anyone who calls our office.
  We can assure you that RGS Financial, LLC. is a legitimate company registered with the Texas Secretary of State and we conduct our business in accordance with all applicable laws and regulations.
  We have closed the account in our office and referred it back to our client.
  
  If you have any questions regarding the accounts in question, please contact ************** Services directly.
  
  
  Sincerely,
  
  RGS Financial, Inc.
  Compliance Department
  
  This communication is from a debt collector. 

• Initial Complaint

  03/16/2024

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  I received a Reduction Offer letter for a debt I do not owe on March 16, 2024. They claim to be collecting on behalf of Castle Dental - ************ ***** in the original amount of $391.20 but offering to accept $273.84..I have not used Castle Dental in over 15 years and did not leave a debt when I did leave. I see RGS has performed a credit inquiry on my credit report.

  Business response

  03/21/2024

  Thank you for contacting our office ************** regarding your concerns. We have investigated your complaint and your complaint is important to us.In review of your account, we would like to provide you with the following facts:
  
  In review of your complaint, the dental services were performed back in July 2018 and the last payment received was on July 27, 2019. ******************* and ************************ are the two other individuals attached to this account. Either one of them could have received dental services through Castle Dental.  
  We have closed the account in our office and referred it back to the original creditor for further assistance. Please be advised that RGS did not perform any inquires on your credit report. The inquiry was performed by the original creditor. You would need to contact them for any questions related to credit reporting.
  
  
  If you have any questions regarding the accounts in question, please contact the original creditor.
  
  Attached is a letter indicating the account has been closed and you are released from any further obligation to RGS Financial.
  
  Sincerely,
  
  RGS Financial, Inc.
  Compliance Department
  
  This communication is from a debt collector.
  

• Initial Complaint

  02/29/2024

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  I have started to pay into my accounts for charge-offs, as agreed by the *** agents over the phone. These payments have gone down, but on my account online with them, nothing is showing. Where is my money going to? It is going off my account. My side of the agreed-upon arrangement is being fulfilled. I have sent several "support tickets" to ***, no response at all. I am NOT GOING TO KEEP PAYING until this is resolved. I am not paying into some imaginary fund for someone at ***. People who are in financial distress should not be preyed upon like this. My calls with the agent was recorded so my evidence is here. And to not even get a response from them at all? That is simply a we don't care about you at all, just keep paying attitude. And they wonder why people dont want to deal with them at all and they have a ton of complaints on here. I am instructing my bank to stop these payments until *** can get their act together and explain to me where my money is going to. **** is in their court now.

  Business response

  03/21/2024

  Thank you for contacting our office ******************** regarding your concerns.  We have investigated your complaint, and your complaint is important to us. In review of your account, we would like to provide you with the following facts regarding the statements made in the complaint. We have two Wings Financial ************ accounts in our office. I will provide you with the breakdown of facts per account.
  
  Loan Account ********** the account was opened on August 27, 2020. The account was assigned to collections on March 20, 2023, with a balance of $4,136.66. Our office made several attempts to contact you via phone and text messages from March 2023 until we received a call from you on January 4, 2024. You advised that would like to set up a payment plan of $150 per month on 28th of the month beginning in January 2024. Later that day, you contacted our office again and advised you made a mistake and wanted to change the payment amount. You agreed to pay $150 on January 28th and then $300 per month going forward.
  
  On January 28, the payment that was scheduled came back declined because the account provided gave a return code: 454 Closed Account. Our office received another phone call from you on January 29, 2024, in which you advised you would like to set up a payment of $150 and call in moving forward to make payments.
  
  On March 8, 2024, our office received another call in which you agreed to set up another payment plan for $150 per month beginning on 3/9/24 and for the 5th of the month moving forward beginning in April.
  
  Credit Card Account **************** the card was opened on August 1, 2018. The account was assigned to collections on March 20, 2023, with a balance of $4,992.85. Same as the other account, we spoke with you to discuss payment arrangement on January 4, 2024. You initially set up the same arrangement as the other account with the January 28th payment declining as well for the same reason. You currently have a payment plan of $150 per month set up.
  
  In your complaint you indicate that you sent several support tickets. RGS does not have a ticketing system, so we are unaware of what tickets you are referring to. We check to see if our office received an email from you regarding your account and we do not have record as well. If you can provide us with evidence of these communications, we will be glad to research and provide a response.
  
  Please be advised that your account is assigned to a collection agency and not being handled by the original creditor. Our website is designed for consumers to set up and negotiate payment arrangements. We are not obliged to keep a transaction history online. If would like to request a payment history of your account from time to time, you are more than welcome to email us at ******************************
  
  We would like to make you aware that per the agreement you signed with Wings Financial, you have two interest bearing accounts. On the account ending in 8984, you are being charged *****% interest. On the account ending in 5058, you are being charged *****% interest.  Making small payments of $150 per month will have little effect in the decrease of the balance.
  
  We have attached to this response a current transactional history of the payments received as of today, March 21, 2024, on both accounts.
  
  If you have any questions,you are welcome to contact our office at ************ for more information.
  
  
  Sincerely,
  
  RGS Financial, Inc.
  Compliance Department
  
  This communication is from a debt collector. This is an attempt to collect a debt. Any information obtained will be used for that purpose. 

  Business response

  03/21/2024

  If the consumer would have set his payments up online instead of the phone, then he would see the payments he made. The screenshot the consumer provided will only reflect payments he set up himself. 

• Initial Complaint

  12/31/2023

  Complaint Type:

  Order Issues

  Status:

  Answered

  More info

  I am not liable for this debt the "Defenders". I do have a contact with the RGS Financial, LLC. They do not provide me with the original contract as I required.

  Business response

  01/03/2024

  Thank you for contacting our office ************** regarding your concerns. We have investigated your complaint and your complaint is important to us.In review of your account, we would like to provide you with the following facts:
  
  Our client, ************ ***** placed an account in our office on February 06, 2020, for $1,406.80 for an outstanding balance due for dental work performed at BrightNow! Dental located at *******************************************************************.
  The balance was not taken care of when it was with the dental office and/or your insurance company did not cover the cost of the services rendered. The balance was charged off and sent to RGS Financial for collections.
  In review of the call recordings associated with your account, you acknowledge that you were aware of the debt and RGS Financial was handling the account. Our office also mailed you copies of the billing statements relating to the charges from the dental office.
  On December 27, 2022, our office spoke with you at the phone number ************ (this number matches the phone number you provided in the BBB complaint). You advised that you were going to check your records regarding the balance and call back. We never receive a return phone call.
  On March 16, 2023, our office spoke with you again and you advised that you would talk to ************ regarding the balance and call back. Again, we did not receive any callback. That was the last time our office spoke with you regarding the balance.
  
  In your complaint, you indicated that you requested the original contract. Please keep in mind that you did not sign a contract with a dental office for services. Everything is handled through your insurance.
  
  If you have any questions regarding the accounts in question or would like to make a payment or settlement, please contact our office at ************.Attached is a copy of the validation of debt documentation for your records.
  
  Sincerely,
  
  RGS Financial, Inc.
  Compliance Department
  
  This communication is from a debt collector. This is an attempt to collect a debt. Any information obtained will be used for that purpose. 

  Customer response

  01/03/2024

  I am rejecting this response because: I do not have agreement with RGS Financial nor have Bright Smile Dental accepted the actions of they rogue office manager employee double billing service ms to me and the insurance company. I asked Bright Smile several time to investigate the matter but all was done was to send to a third part collection agency. I do not own the collection agency nor their client bright smile LLC. I ask that a reinvestigation take place or I will be file a formal complaint with the ****

  Business response

  01/03/2024

  **************,

  We understand your frustration and we would like to work with you to rectify the situation. In order for us to have our client conduct another investigation, we would need supporting evidence from you. Please provide us with any documentation that shows the balance is not owed. Without this documentation, our client has determined that the balance is owed. We would be glad to work with our client to clear this matter up. 

  Also, please be advised it does not state anywhere in the ***** that you need to have an agreement with a collection agency. The owner of the account, ************* has the rights to send your account to collections without your authorization. 

  Again, please provide any evidence/documentation showing that the balance is not owed, and we will reach out to our client for further direction. 

  Thank you. 

• Initial Complaint

  11/21/2023

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  The account is NOT mine. I asked them to validate the debt and they either could not or have refused to do so! I do not have a contract with RGS Financial and they did not provide me with an ORIGINAL copy as I requested 15USC1681 Validation of Debt (1)The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine public confidence which is essential to the continued functioning of the banking system (2)An elaborate mechanism has been developed for investigating and evaluating the creditworthiness, credit standing, credit capacity, character, and general reputation of consumers (3)Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers (4)There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy Also 15USC1692 Inadequacy of laws Existing laws and procedures for redressing these injuries are inadequate to protect consumers Available non-abusive collection methods Means other than misrepresentation or other abusive debt collection practices are available for the effective collection of debts.Interstate commerce Abusive debt collection practices are carried on to a substantial extent in interstate commerce and through means and instrumentalities of such commerce. Even where abusive debt collection practices are purely intrastate in character, they nevertheless directly affect interstate commerce.Purposes It is the purpose of this subchapter to eliminate abusive debt collection practices by debt collectors, to ensure that those debt collectors who refrain from using abusive debt collection practices are not competitively disadvantaged, and to promote consistent State action to protect consumers against debt collection abuses.

  Business response

  11/27/2023

  Thank you for contacting our office ************************ regarding your concerns.  We have investigated your complaint and your complaint is important to us. In review of your account, we would like to provide you with the following facts:
  
  In review of your complaint, we reviewed the call history between your phone number *************) and our office and there were two calls where you actually spoke with a representative. Both calls took place on 11/21/2023. There were no other requests for validation of debt documentation received from you.
  RGS Financial, LLC. is not a debt buying collection agency. The account was assigned to our office on May 31, 2023, with an outstanding balance of $466.00. The account was opened on September 19, 2022. 
  In review of the call recordings, you indicated that it was against the law for your account to be sent to a collection agency. Are you able to provide the exact law and/or verbiage where it states this? You also indicate on the calls that this account was opened fraudulently. Do you have any evidence like a police report or FTC affidavit showing you are a victim of fraud? 
  We have closed the account in our office and referred it back to the original creditor for further assistance. Please be advised that RGS did not report this account to any of the three credit reporting agencies.
  
  
  If you have any questions regarding the accounts in question, please contact the original creditor.
  
  Sincerely,
  
  RGS Financial, Inc.
  Compliance Department
  
  This communication is from a debt collector.
  

  Customer response

  11/29/2023

  I am rejecting this response because:   This is NOT my debt.  You have 30 days to remove this from my credit report.. I ask that you validate this debt and you could not. 

  According to 15USC1681 here is the exact law that is being broken! (a)Accuracy and fairness of credit reporting The Congress makes the following findings:
  (1)
  The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.
  (2)
  An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.
  (3)
  Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.
  (4)
  There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
  (b)Reasonable procedures
  It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.  

  ALSO, 15USC1681 Validation of debt. Original copy of debt.  Your name is not on there, and is illegal for any 3rd party to attempt to collect. I do not have account with your company and somehow you are on my credit report! 

   

  Also, 15USC1692

  (a)Abusive practices
  There is abundant evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors. Abusive debt collection practices contribute to the number of personal bankruptcies, to marital instability, to the loss of jobs, and to invasions of individual privacy.
  (b)Inadequacy of laws
  Existing laws and procedures for redressing these injuries are inadequate to protect consumers.
  (c)Available non-abusive collection methods
  Means other than misrepresentation or other abusive debt collection practices are available for the effective collection of debts.
  (d)Interstate commerce
  Abusive debt collection practices are carried on to a substantial extent in interstate commerce and through means and instrumentalities of such commerce. Even where abusive debt collection practices are purely intrastate in character, they nevertheless directly affect interstate commerce.
  (e)Purposes
  It is the purpose of this subchapter to eliminate abusive debt collection practices by debt collectors, to insure that those debt collectors who refrain from using abusive debt collection practices are not competitively disadvantaged, and to promote consistent State action to protect consumers against debt collection abuses.

  You have 30 days to remove this from my credit report or a law suit will be set into place. 

  30 DAYS!!

  Business response

  11/29/2023

  ************************,

  RGS Financial, LLC did not report this account to any of the credit reporting agencies. You will not find our name on any of the tradelines on your credit report. The original creditor is responsible for credit reporting. You will need to contact them regarding credit reporting and if this is not your debt, you might have to provide evidence such as a police report or FTC affidavit to show that you are a victim of fraud/ID theft. This account has been closed in our office and returned back to the original creditor. You are released from any further obligation to RGS Financial. We have reviewed all call records and recordings, and you did not advise our office to provide any type of validation of debt documentation. 

  If RGS is listed as a tradeline on your credit report, please provide a copy of your credit report as verification. 

  Since RGS is not handling this account anymore, we have ceased and desist all communication with you. 

  Thanks,

  RGS Financial Compliance Department. 

  Customer response

  11/29/2023

  I am rejecting this response because:   Pursuant to the two previous request of which law has been broken, I sufficiently submitted two precise laws that you broke.  Ascertaining 3rd party personal information and the calling my personal cell phone to collect with the wrong party is AGAINST THE LAW!  You are to now refund my for my time and submit to me a fine of $1,000.00.  This is what was exactly explained to your representative over the phone when you illegally attempted to  ascertain more information.  Due to the laws put in place, your activity was illegal and I demand retribution.  If you do not send my the requested $1,000.00, remove my "so Called" trade line from my credit report, I will seek further legal action way above the previously requested actions.  

  You have 30 days to remove yourself from my credit report and pay out a $1,000.00 dollar fine or further action will transpire.

  You may request my actual information through designated phone call, where my legal advice will also attend, and advise me on further actions.

  30 days! 

• Initial Complaint

  09/25/2023

  Complaint Type:

  Customer Service Issues

  Status:

  Answered

  More info

  For some reason, this debt collector obtained my sisters phone number and so instead of dealing with me they have been constantly calling her, she is not a signatory or co borrower yet she is being bombarded with calls

  Business response

  09/25/2023

  Thank you for contacting our office ********************** regarding your concerns.  We have investigated your complaint, and your complaint is important to us. In review of your account, we would like to provide you with the following facts:
  
  There were two phone numbers provided to our office by our client. The number ************ (which you identified as your contact number) and ************.
  Since these numbers were provided to our office by our client, ************ it must have been given on the credit application or as an additional point of contact while the account was still active with our client.
  We have removed the phone number ending in **** from our records. Our office will no longer make any attempts to contact you at that number. We have placed it in a cease & desist status.
  
  
   If you have any questions regarding the accounts in question, please contact our office at ************.
  
  Sincerely,
  
  RGS Financial, Inc.
  Compliance Department
  
  This communication is from a debt collector. This is an attempt to collect a debt. Any information obtained will be used for that purpose. 

• Initial Complaint

  08/25/2023

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  I am not liable for this debt for SMILE BRANDS **** I do not have contract with RGS FINANCIAL, they did not provide me original contract as requested.

  Business response

  09/05/2023

  Customer:  ***********************
  Case Number: 20520996
  Date of Complaint:  8/25/2023
  
  Complaint Response:
  Thank you for contacting our office ************** regarding your concerns. We have investigated your complaint and your complaint is important to us.In review of your account, we would like to provide you with the following facts:
  
  In review of your complaint, we identified a total of 4 accounts placed in our office by ************* **** for outside collections. Please be advised that you are not required to have a contract with RGS Financial for your account to be assigned to outside collections. We mailed our initial communications letter to *************************************************************. Below are the details of each account:
  Account Number: *******. Assigned to ********************** on 3/26/2021. The balance is $514.40. The dental services were performed at *****************************************************************************************************************
  Account Number: *******. Assigned to ********************** on 6/2/2021 with a balance of $362.80. The services were for *************************. The services were performed at the ************** at ********************************************************************
  Account Number: *******. Assigned to ********************** on 62/2021 with a balance of $183.00. It appears that the services were performed for your son. The services were performed at the ************** at ********************************************************************
  Account Number: *******. Assigned to ********************** on 6/28/2021 with a balance of $252.00. The services were performed at the ************** at ********************************************************************
  I attached copies of all 4 original letters mailed from RGS Financial to you when the account was placed in our office.
  If you have any questions regarding the accounts in question, please contact our office at ************.
  
  Sincerely,
  
  RGS Financial, ****
  Compliance Department
  
  This communication is from a debt collector. This is an attempt to collect a debt. Any information obtained will be used for that purpose.
  

  Customer response

  09/05/2023

  I am rejecting this response because:   

  1) I never took services from this business.

  2) I never signed document stating I take responsibility to pay.

  Please show the evidence for the above 2 points to make me liable to pay.

  Business response

  09/08/2023

  Hello,

  We have closed each account in our office and returned them back to our client, ************. 

  You have been released from any further obligation to RGS Financial. 

  Attached are account closure letters for each account. 

   

  If you have any questions, you will need to contact ************ directly. 

  Thanks,

  RGS Compliance Department

  Customer response

  09/08/2023

  I have reviewed the business response and accept this resolution. 

  Business response

  09/19/2023

  Hello,

  After further review and communication with the credit reporting agencies, it appears that this was a timing issue. RGS Financial reports to the credit bureau once a month. We completed our September credit reporting on September 1st, and I closed all accounts in our office on September 6th (date reflected on the letter). Since the requests to have the accounts removed from the credit reporting file after our monthly submission deadline, it was not included. I have spoken with our Credit Reporting team that the deletion request will be included in the October credit reporting file that will be submitted to all three credit reporting agencies on October 2nd. I will personally monitor to ensure that the deletion request will be included. 

  We apologize for any inconvenience as this was a timing issue. We can ensure that the tradeline deletion will corrected at the beginning of October. 

  Please let us know if you have any questions. 

  RGS Compliance Team. 

• Initial Complaint

  12/24/2022

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  I recently received a collection letter from RGS Financial which I had no clue about. I tried to contact them several times but nobody answers the phone. It is so annoying to receive the collection bill for something that I don't event owe and had nobody to communicate.

  Business response

  03/22/2023

  Business Response /* (1000, 5, 2022/12/30) */ Thank you for contacting our office regarding your concerns. We have investigated your complaint and your complaint is important to us. You have indicated in your complaint that RGS Financial was unavailable to answer your call when you attempted to contact our office. In review of your account, we would like to provide you with the following facts: Our client, TRS Limited, placed an account in our office for $119.97 on December 12, 2022. The balance owed is for the product Wonder Leaf that you purchased. In response to your complaint, you attempted to contact our office on Monday, December 26, 2022, at 1:44pm and 1:45pm. We show the number you called from was XXX-XXX-XXXX. Please be advised that our office was CLOSED in observance of the Christmas holiday. If you have any questions regarding the account, please contact our office at XXX-XXX-XXXX. Sincerely, ****** ******* Vice President, Compliance RGS Financial, Inc. This communication is from a debt collector. This is an attempt to collect a debt. Any information obtained will be used for that purpose.

• Initial Complaint

  12/18/2022

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  I received a credit alert stating there was a derogatory mark placed on my report from RGS Financial. This is very alarming as I have NEVER received any notices, statements, or any communication from the company regarding any type of past due balance. As a debt collection collection agency, the company must provide written notice to the consumer regarding the debt as an attempt to connect payment PRIOR to placing the collection account on the credit report. THIS WAS NOT DONE and I am demanding it be removed from my account IMMEDIATELY! If this account is indeed legitimate, I wish to speak with the original creditor for resolution. As of today, 12/17/2022, RGS has never communicated with me so I am unaware of who they are and the agency they're representing.

  Business response

  03/21/2023

  Business Response /* (1000, 5, 2022/12/27) */ Thank you for contacting our office Ms. ********* regarding your concerns. We have investigated your complaint and your complaint is important to us. In review of your account, we would like to provide you with the following facts: Our client, ****************., placed an account in our office for $430.00 on August 7, 2019, for outstanding dental services performed at *************************************************************************. The balance is the remainder of what your insurance did not cover. In your complaint, you indicated that RGS Financial never sent you any correspondence in regard to the outstanding debt. Our office mailed a letter to your attention at ****************************************. We have attached a copy of the letter mailed to you as evidence. Our office has made several attempts to contact you at the phone number ************. As of today, you have never answered or returned our phone call. If you have any questions regarding the account or would like to make a payment, please contact our office at 833-606-2782. Sincerely, Compliance Department RGS Financial, Inc. This communication is from a debt collector. This is an attempt to collect a debt. Any information obtained will be used for that purpose.

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