RBC Collections

Who is RBC Collections?

RBC Collections, or RBC, Inc., is a third-party debt collection agency based in Mansfield, Ohio. They are involved in recovering unpaid debts on behalf of the original creditors.

If you see RBC Collections listed on your credit report, it likely means that you have a delinquent account that has been sent to collections. This usually happens when an owed bill has not been paid.

Who does RBC Collections collect for?

RBC Collections works primarily on behalf of original creditors to collect past-due debts. The specifics of which types of businesses or industries they serve are not immediately clear, but it’s likely that they work with a broad range of creditors, from credit card companies to medical facilities and utilities providers.

Is RBC Collections legit or a scam?

RBC Collections is a legitimate company. However, as part of their collection efforts, they may engage in persistent contact methods, including phone calls, text messages, and emails. This behavior is intended to ensure payment, but can sometimes feel invasive.

How can I remove RBC Collections from my credit report?

Collections can hurt your credit score and stay on your credit report for up to seven years, even if you pay them. Paying the collection might even lower your credit score.

However, it is possible to remove a collection account from your credit history before seven years.

(Though debt collectors may not want this widely known, it’s your right to be informed.)

Professional credit repair services assist people in getting their credit back on track.

They can help challenge inaccurate, unfair, or unsubstantiated information on your credit report, including collections, inquiries, late payments, charge-offs, foreclosures, repossessions, bankruptcies, and more.

Get started on the path to better credit today: Fill out the form for a free credit consultation.

RBC Collections Contact Information

Address:

RBC, Inc.
283 Glessner Ave
Mansfield, OH 44903

Mailing address:

RBC, Inc.
P.O. Box 1548
Mansfield, OH 44901

Phone number: (800) 723-6196 or (419) 522-2921

Should I contact or pay RBC Collections?

Before contacting a collection agency, verify that the debt is legitimate and accurately reported. Credit reports can contain errors or list debts that are no longer valid. Also, be aware that making payments on a debt can reset the clock and potentially harm your credit.

The most effective way to deal with RBC Collections is to work with a credit repair professional. They help remove millions of negative items every year from companies like RBC Collections on behalf of their clients.

Will RBC Collections sue me or garnish my wages?

RBC Collections is entitled to sue you in a court of law for an unpaid debt. If they obtain a court judgment against you, they may have the ability to garnish your wages or levy your bank account, depending on the laws of your state.

However, keep in mind that legal action is often the last resort for many debt collectors. It’s a process that can be time-consuming and expensive. In many cases, they may prefer to negotiate a payment plan or settlement with you instead.

RBC Collections Complaints

Many collection agencies have numerous complaints filed with the Consumer Financial Protection Bureau (CFPB) and the Better Business Bureau (BBB). Most complaints are about inaccurate reporting, harassment, or failure to verify a debt. If you are being harassed, consider filing a complaint.

You have many consumer rights under the Fair Credit Reporting Act (FCRA) and the Fair Debt Collection Practices Act (FDCPA). These rights include disputing credit reporting errors and being treated fairly and respectfully by debt collectors.

Your Rights When Dealing with RBC Collections

Debt collectors must follow state and federal laws. The Fair Debt Collection Practices Act (FDCPA) prohibits abusive, unfair, or deceptive practices and ensures your rights are protected:

• It is a violation of federal law for RBC Collections to report inaccurate or incomplete information about you.
• You have a legal right to request debt validation on an alleged debt. Send the collection agency a debt validation letter. They have 30 days to prove the debt is yours and the amount is accurate.
• RBC Collections cannot threaten or harass you, call repeatedly, swear at you, or publicly publish a list of debtors.
• RBC Collections must be honest about who they are and their purpose. They must notify you in writing and verbally that they are a debt collection agency.
• RBC Collections cannot threaten to have you arrested or imprisoned for unpaid debts.

Remove RBC Collections From Your Credit Report Today!

Credit Saint can help you dispute RBC Collections collection accounts. With over 15 years of experience, they have a proven track record of removing incorrect entries for many clients.

If you’re tired of dealing with debt collectors and want to improve your credit, consider working with a trusted credit repair company.

They have helped many people in your situation. Fill out the form on their website or call (855) 281-1510 for a free credit consultation to see what they can do for you.