If RBC Collections has shown up on your credit report, it could be lowering your credit score. Here’s what you need to know about this collection agency—and how to get their account removed.
Who Is RBC Collections?
RBC Collections, also known as RBC, Inc., is a debt collection agency based in Mansfield, Ohio. They work with businesses to collect unpaid debts that have been turned over to them.
If you see their name listed on your credit report, it typically means a past-due account has been sent to collections. This can hurt your credit score and stay on your report for up to seven years if not resolved.
Who Does RBC Collections Collect For?
RBC Collections works with original creditors from different industries. While they do not publicly list specific clients, these debts often come from:
- Credit card companies
- Medical providers
- Utility companies
- Other service businesses
Their goal is to recover money owed to those businesses by consumers with unpaid accounts.
Is RBC Collections Legitimate?
Yes, RBC Collections is a real debt collection agency. But that doesn’t mean every account they report is accurate. Errors happen, so always verify the debt before making payments.
You have the right to request proof that the debt belongs to you and that the amount is correct.
How to Remove RBC Collections From Your Credit Report
Collection accounts can hurt your credit score for years, but there are steps you can take to get them removed:
- Dispute Inaccurate Information: If the account details are incorrect, incomplete, or outdated, file a dispute with the credit bureaus to have it removed.
- Negotiate a Pay-for-Delete: Some collection agencies will agree to remove the account if you pay the debt. Get the agreement in writing before sending payment.
- Work With a Credit Repair Company: Credit repair professionals can challenge negative items and help clean up your credit report.
Ready to Clean Up Your Credit Report?
Learn how credit repair professionals can assist you in disputing inaccuracies on your credit report.

Should You Contact or Pay RBC Collections?
Before reaching out, confirm the debt is valid and within your state’s statute of limitations. Making a payment can sometimes restart the clock, keeping the account on your credit report longer.
Many people work with credit repair experts who know how to handle agencies like RBC Collections and protect their credit in the process.
Can RBC Collections Sue You or Garnish Your Wages?
They can sue for unpaid debts. If they win the lawsuit, they could garnish your wages, levy your bank account, or place a lien on your property, depending on your state’s laws.
However, lawsuits are expensive and often considered a last resort. Most collection agencies prefer to work out payment plans or settle debts before pursuing legal action.
Complaints About RBC Collections
Like many debt collectors, RBC Collections has complaints filed with the Consumer Financial Protection Bureau and the Better Business Bureau. Common complaints include:
- Inaccurate reporting
- Harassment or aggressive collection tactics
- Failure to verify debts when requested
If your rights are being violated or you’re experiencing harassment, you can file a complaint with these agencies.
Your Rights When Dealing With RBC Collections
The Fair Debt Collection Practices Act (FDCPA) and the Fair Credit Reporting Act (FCRA) protect you from unfair collection practices. These laws help ensure your rights and your credit are protected.
Here’s what those protections include:
- They cannot report false or incomplete information about you
- You can request debt validation within 30 days. They must prove the debt belongs to you and that the amount is accurate
- Harassment, threats, repeated calls, or abusive language are illegal
- They must clearly state who they are and that they are collecting a debt
- They cannot threaten arrest or jail for unpaid debts
RBC Collections Contact Information
- Address: 283 Glessner Ave, Mansfield, OH 44903
- Mailing Address: P.O. Box 1548, Mansfield, OH 44901
- Phone Number: (800) 723-6196 or (419) 522-2921
Remove RBC Collections From Your Credit Report Today
Collections can stay on your credit report for years, but you don’t have to face it alone. Credit Saint has helped thousands of people dispute inaccurate negative items on their credit reports. They even offer a 90-day money-back guarantee for extra peace of mind.
If you’re ready to take control of your credit, visit their website or call (855) 281-1510 to get started.

Brooke Banks is a personal finance writer specializing in credit, debt, and smart money management. She helps readers understand their rights, build better credit, and make confident financial decisions with clear, practical advice.