Revco Solutions on Your Credit Report: Your Options Explained

Revco Solutions, Inc. was formed in 2019 through the merger of Credit Bureau Collection Services (CBCS) and Professional Recovery Consultants under Longshore Capital Partners, rebranding under the Revco Solutions name in 2020. Their collection history traces back to 1948 through those predecessor companies.

Among their 133 CFPB complaints, 47% allege attempts to collect debts consumers say are not theirs, nearly double the typical rate for medical debt collectors. Documented issues include silent calls, failing to provide payment receipts, disclosing medical records without authorization, and collecting on accounts tied to billing disputes never resolved with the original provider. This guide covers who they are and how to respond.

Who Is Revco Solutions?

Revco Solutions, Inc. is a third-party debt collection agency with offices in Columbus, Ohio; Durham, North Carolina; and Jacksonville, Florida. The BBB gives them a B rating, has not accredited them, and records 116 complaints in three years including 9 the company failed to respond to at all.

They primarily collect medical debt, utility bills, and government receivables. Ohio has a 6-year statute of limitations on written contracts, and medical debt CFPB rules apply to every healthcare account they report.

47% of CFPB Complaints Allege Debts Not Owed

Among Revco’s 133 CFPB complaints, nearly half describe attempts to collect debts consumers say do not belong to them. This rate is documented as nearly double the typical rate for medical debt collectors of similar size.

A documented CFPB complaint reads: “Revco Solutions, Inc. is attempting to collect a debt that I do not owe. I have never signed a contract nor have I ever received any monies from Revco Solutions, Inc. They continue to send intimidating letters.” If an account Revco is collecting does not match any service or provider in your history, that debt may be misattributed. Request the original provider name, service date, and itemized charges before engaging.

Silent Calls and Failing to Leave Voicemails

A documented BBB complaint describes receiving daily calls from Revco that go silent when answered, with no voicemail ever left. The consumer suspected the account originated from a medical device company that had never sent a proper invoice. Revco refused to provide any written documentation.

Under FDCPA Section 1692d(6), a debt collector must identify themselves when placing calls. A call that connects silently when answered without identifying the caller as a debt collector may violate this provision. Log every silent call with the date, time, and number used before filing a CFPB complaint.

Paying and Not Receiving Confirmation

A documented consumer experience describes a consumer who paid a $400 doctor bill directly to Revco by phone and requested a receipt multiple times. Revco promised both an emailed and a mailed receipt within 10 days. Neither arrived.

This pattern mirrors the NCC and Oliphant complaints documented earlier in this project. Get written confirmation of any Revco payment before considering the account closed. Do not rely on verbal promises about receipts, deletion, or settlement terms.

Medical Debt Reporting Rules Apply

Revco collects primarily for healthcare providers. Medical debts under $500 cannot appear on any consumer credit report. Any medical debt must wait one full year past the date of first delinquency before being reported.

If Revco has reported a medical balance under $500 or less than one year past due, dispute it immediately.

What Revco Cannot Do Under Federal Law

• Attempt to collect debts not owed: The single most documented complaint category against Revco at 47% of all CFPB complaints. Any unrecognized account requires full itemized documentation before engaging.
• Place silent calls without identifying as a debt collector: A documented BBB complaint. FDCPA Section 1692d(6) requires identification.
• Fail to provide validation after a written request: A documented CFPB complaint. Collection must pause until written verification is provided.
• Disclose medical records without consumer authorization: A documented CFPB complaint category. HIPAA and FDCPA both apply to protected health information.
• Report medical debts under $500 or less than one year past due: Current CFPB rules prohibit both outright.

Verify the Debt Before Paying Anything

Send a written validation request by certified mail within 30 days of first contact. Request the original healthcare provider or creditor name, the service date or account open date, an itemized breakdown of all charges, and written confirmation that the balance reflects post-insurance patient responsibility for any medical account.

How to Find Revco on Your Credit Report

Check your credit reports for “Revco Solutions,” “CBCS,” and “Credit Bureau Collection Services.” All three names may appear depending on when the account was placed. Confirm the original creditor is identified and the account type matches your history.

Your Options Before Paying or Responding

• Request full itemized documentation for any unrecognized account: The 47% not-owed complaint rate makes this the essential first step before any engagement.
• Log every silent call with date, time, and number: The documented BBB complaint shows Revco placing silent calls daily. Each unidentified call may be an FDCPA violation.
• Get written payment confirmation before sending any payment: The documented receipt failure shows Revco not following through on verbal confirmation promises.
• File with the Ohio AG in addition to CFPB: The Ohio Attorney General’s Consumer Protection Section accepts debt collection complaints at (800) 282-0515.

How to Contact Revco Solutions

• Address: Revco Solutions, Inc., 250 E Broad Street, Suite 400, Columbus, OH 43215
• Phone: (855) 202-0113 or (800) 868-7724

Bottom Line

Revco Solutions was formed through the 2019 merger of CBCS and PRC and has 133 CFPB complaints with nearly half alleging collection of debts consumers say are not theirs. Documented issues include silent calls, payment receipts that never arrive, and disclosing medical records without authorization.

Request full itemized documentation before engaging on any Revco account. If they have placed silent calls without identifying themselves, log every instance before filing a CFPB complaint.