RCS Capital Partners

Is RCS Capital Partners hurting your credit score?

Schedule a complimentary credit consultation to find out how you can eliminate inaccurate and questionable negative information from your credit report.

Who is RCS Capital Partners?

RCS Capital Partners, Inc. is a debt collection agency based in Amherst, New York. If you have an outstanding debt that has been transferred or sold to RCS Capital Partners, you may see them listed as a collections account on your credit report.

Who does RCS Capital Partners collect for?

RCS Capital Partners specializes in the collection of commercial and medical debts. They work with businesses in various industries, such as healthcare providers, commercial service providers, and other entities, to recover unpaid debts from customers or clients.

Is RCS Capital Partners legit or a scam?

RCS Capital Partners, Inc. is a legitimate company. However, it’s worth noting that RCS Capital Partners may employ aggressive communication methods such as frequent phone calls, text messages, or emails in their collection efforts.

How can I remove RCS Capital Partners 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.)

Ready to Raise Your Credit Score?

Some clients have raised their credit scores
by 100 points* or more.

[*] Results are not typical or guaranteed.

Lexington Law is a professional credit repair law firm that works with people who want to fix their credit.

In addition to collections, they can work with 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.

RCS Capital Partners Contact Information


RCS Capital Partners
270 Northpointe Parkway Ste 40
Amherst, NY 14228-2001

Mailing address:

RCS Capital Partners
3840 E. Robinson Rd Ste 447
Amherst, NY 14228-2001

Phone number: (855) 764-8861

Should I contact or pay RCS Capital Partners?

It’s best to avoid speaking to a collection agency on the phone. And making payments on the debt will reset the clock. As a result, it could harm your credit rather than improve it. However, sometimes it’s better just to pay the collection account, especially if it’s new, and you’re certain that it’s legit.

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

Will RCS Capital Partners sue me or garnish my wages?

RCS Capital Partners, Inc. is legally entitled to sue you for unpaid debts. If they decide to pursue legal action and are successful in obtaining a judgment against you in court, they may be able to take additional steps to collect the debt, such as wage garnishment.

However, whether they will sue you or garnish your wages depends on various factors, including the amount of the debt, the laws in your state, and the company’s own policies.

RCS Capital Partners 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 RCS Capital Partners, Inc.

Debt collectors must abide by state and federal laws in the United States. For example, the Fair Debt Collection Practices Act prohibits a debt collector from using abusive, unfair, or deceptive practices. In addition, the FDCPA 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 RCS Capital Partners 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.
  • RCS Capital Partners may not threaten or harass you, call you repeatedly, swear at you, or publicly publish a list of debtors.
  • RCS Capital Partners 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.
  • RCS Capital Partners cannot threaten to have you arrested or imprisoned over unpaid debts.

Remove RCS Capital Partners From Your Credit Report Today!

Lexington Law can assist you in disputing RCS Capital Partners collection accounts. With more than 18 years of experience, they achieved over 6 million removals for their clients in 2021 alone.

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 for a free credit consultation to see what they can do for you.

Ready to Repair Your Credit?

Some clients have raised their credit scores
by 100 points* or more.

[*] Results are not typical or guaranteed.