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 remain on your credit report for up to seven years, regardless of whether you pay it or not. Unfortunately, paying the collection could even lower your credit score.

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

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

Professional credit repair services work with people who want to get their credit back on track.

In addition to collections, they can help you to challenge other inaccurate, unfair, or unsubstantiated information on your credit report. These items include 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. Sometimes, credit reports contain errors or list debts that are no longer valid. Also, be aware that making payments on a debt can reset the clock. As a result, it could harm your credit rather than improve it.

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

Most collection agencies have numerous complaints filed against them with the Consumer Financial Protection Bureau (CFPB) and the Better Business Bureau (BBB). Most consumer complaints are about inaccurate reporting, harassment, or failure to verify a debt. If a debt collector is harassing you, you may want to 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 the ability to dispute credit reporting errors and to be treated fairly and respectfully by debt collectors.

Your Rights When Dealing with RBC Collections

Debt collectors must abide by state and federal laws in the United States. For example, the FDCPA prohibits a debt collector from using abusive, unfair, or deceptive practices. In addition, it provides you with many rights to ensure that collection agencies don’t take advantage of you. In particular:

• 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. By law, they have 30 days to prove to you that the debt is really yours and the total amount is accurate.
• RBC Collections may not threaten or harass you, call you repeatedly, swear at you, or publicly publish a list of debtors.
• RBC Collections must be honest about who they are and what they are attempting to do. They must notify you that they are a debt collection agency both orally and in writing.
• RBC Collections cannot threaten to have you arrested or imprisoned over unpaid debts.

Remove RBC Collections From Your Credit Report Today!

Credit Saint can assist you in disputing RBC Collections collection accounts. With years of experience at their disposal, these professionals have a proven track record of effectively removing incorrect entries for countless 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 give them a call at (855) 281-1510 for a free credit consultation to see what they can do for you.