RBC Collections on Your Credit Report: Your Options Explained

RBC Collections is Richland Bureau of Credits, Inc., a small Mansfield, Ohio debt collection agency. Their documented complaint patterns include robocalling from multiple numbers without providing proof of debt and collecting on medical bills that Medicaid should have covered due to provider billing errors.

This guide covers who RBC is, their documented patterns, and how to respond.

Who Is RBC Collections?

Richland Bureau of Credits, Inc. (RBC Inc.) has provided revenue cycle collection services since 1948 across healthcare, utilities, government, retail, and commercial accounts. The company employs between 11 and 50 people and also operates under the name Medical Service Bureau for certain healthcare collection activities.

RBC refers accounts to outside law firms when legal action becomes necessary. Documented BBB cases show accounts being transferred to attorneys after initial collection efforts fail.

Robocalling From Multiple Numbers

A documented BBB complaint describes a consumer receiving repeated robocalls from RBC using multiple different phone numbers. The consumer noted RBC never provided proof of debt or even stated how much was allegedly owed during any of the calls.

After the formal BBB complaint, RBC’s response acknowledged they could not identify the consumer in their system and entered the number as do not call.

Regulation F limits collectors to 7 calls within 7 days on the same debt regardless of which number is used. If RBC is calling from rotating numbers, document every call with date, time, and number. File a CFPB complaint if the total exceeds 7 calls in any 7-day period.

Collecting on Medicaid-Covered Medical Bills

A documented Google review describes a consumer whose medical bill was placed in collections by RBC despite the bill being covered by Medicaid. The consumer noted the doctor’s office receptionist had entered incorrect information into their system, causing the Medicaid claim to fail without the consumer’s knowledge.

If RBC is collecting a medical bill and you have Medicaid or Medicare coverage, contact your state Medicaid office or Medicare directly to confirm whether the claim was ever properly submitted and adjudicated. A provider’s failure to correctly bill Medicaid may prohibit them from collecting the balance from the patient under Medicaid assignment of benefits rules.

The Rental Property Client Relationship

A documented BBB complaint describes a consumer who rented property from an individual they believed also owned RBC. The consumer questioned whether this was a conflict of interest. RBC’s own BBB response clarified that the company’s owner does not personally own rental properties but confirmed that a local rental property owner is one of their clients.

If RBC is collecting a rental balance on behalf of a local property owner, the property owner is the original creditor. Contact the property owner directly to verify the balance before engaging RBC.

Account Transfer to Law Firms

Documented BBB cases show RBC transferring accounts to outside law firms for judgment collection after initial collection efforts. If RBC refers your account to an attorney, respond before Ohio’s civil complaint deadline. Ohio allows 28 days to respond to a civil complaint. Failing to respond results in a default judgment allowing wage garnishment and bank levies.

What RBC Cannot Do Under Federal Law

The FDCPA applies to RBC Collections. Under federal law, they cannot:

• Robocall consumers from multiple numbers without providing debt information: A documented BBB complaint.
• Collect on Medicaid-covered balances arising from provider billing errors: A documented Google review.
• Call more than 7 times in 7 days across any combination of numbers: Regulation F limit.
• Use rude or abusive language: Documented in multiple Google reviews.
• Call outside permitted hours: Contact is only allowed between 8 a.m. and 9 p.m. in your time zone.

File complaints at consumerfinance.gov. Ohio residents can also file with the Ohio Attorney General’s Consumer Protection Section.

Medical Debt Reporting Rules Apply

Because RBC collects for healthcare providers, specific credit reporting protections apply. Medical debts under $500 are not reported, paid medical collections are removed, and unpaid medical debt has a one-year waiting period before reporting. If your account falls under any of these categories, dispute it immediately.

Verify Before Paying Anything

Send a written debt validation request by certified mail within 30 days of first contact. Ask for the original creditor, the account number, the nature of the underlying debt, and the balance at referral.

For medical accounts, pull your explanation of benefits and confirm with your insurer whether the claim was ever properly submitted. For Medicaid recipients, contact your state Medicaid office to confirm whether the provider billed Medicaid before pursuing the patient balance.

How to Check Your Credit Report for RBC Errors

Pull your credit reports from all three bureaus at AnnualCreditReport.com. Search under RBC Collections, RBC Inc., Richland Bureau of Credits, and Medical Service Bureau. Is the original creditor identified? Is the balance accurate? For medical accounts, was insurance properly billed?

Any inaccuracy is grounds for a dispute with each credit bureau.

How Long Can RBC Legally Pursue the Debt?

Ohio has a 6-year statute of limitations on most consumer debts. The relevant state is typically where you currently reside.

Your Options for Resolving an RBC Account

Once you have verified the debt:

• Verify Medicaid or Medicare coverage first: Provider billing errors that caused claim failures may shift legal responsibility away from the patient.
• Contact the original creditor directly: For rental and commercial accounts, the original client controls the underlying documentation.
• Document all robocalls across all numbers: Track for Regulation F compliance.
• Respond to any attorney referral within Ohio’s 28-day deadline.

How to Contact RBC Collections

Handle all communication in writing:

• Address: Richland Bureau of Credits, Inc., 283 Glessner Ave, Mansfield, OH 44903
• Mailing address: PO Box 1548, Mansfield, OH 44901
• Phone: (800) 723-6196

Bottom Line

RBC Collections is Richland Bureau of Credits, Inc., a small Mansfield Ohio agency with no connection to Royal Bank of Canada. They have collected across healthcare, utilities, and commercial accounts since 1948.

Their most documented issues are robocalling from multiple numbers without providing debt information and collecting on medical bills that Medicaid should have covered due to provider billing errors. Verify insurance or Medicaid coverage before paying any medical balance RBC claims.