RTR Financial Services on Your Credit Report: What to Know

RTR Financial Services, Inc. is a Staten Island, New York collection agency with more than 40 years of experience that collects primarily for healthcare providers but also handles traffic violations, toll violations, and parking citations.

BBB complaint records show consumers receiving RTR letters for debts at locations they have never visited, including citations issued for vehicles with license plates that do not match the consumer’s vehicle.

The agency is BBB-accredited and operates primarily in New York, New Jersey, and Connecticut.

Who Is RTR Financial Services, Inc.?

RTR Financial Services, Inc. is a third-party debt collection agency headquartered at 2 Teleport Drive, Suite 302, in Staten Island, New York. The company has been in operation for more than four decades and holds BBB accreditation.

RTR collects primarily for healthcare providers but also for municipal clients issuing traffic and parking citations. Mailing address for disputes is P.O. Box 30306, Staten Island, NY 10303.

Who Does RTR Collect For?

RTR focuses on two primary debt categories. Confirmed client types from BBB complaint documentation include:

• Healthcare providers: Emergency medical services, hospitals, and healthcare facilities are RTR’s primary documented client category. A documented BBB complaint describes RTR collecting an emergency medical services balance from a 2022 hospital visit.
• Municipal and government clients: BBB complaints document RTR collecting traffic citations, parking violations, and toll violations. Multiple complaints describe receiving RTR letters for citations at locations the consumer has never visited.

Common RTR Complaint Patterns

RTR’s BBB complaint record surfaces specific recurring issues tied to its collection conduct.

• Collecting citations for locations the consumer has never visited: Multiple documented BBB complaints describe RTR pursuing parking citations and traffic violations for areas the consumer has never been to, with incorrect license plate numbers linked to their account.
• Demanding personal identifying information before disclosing the debt: A documented BBB complaint describes an RTR representative demanding a consumer verify their license plate number before disclosing what the debt was for. The consumer suspected a scam when the plate provided was not theirs and the representative disconnected the call.
• Voicemails with no identifying information: A documented BBB complaint describes receiving a voicemail from RTR with no missed call notification and no information about the nature of the debt.
• Phone systems that disconnect callers: A documented BBB complaint describes RTR’s phone system placing callers on hold and then disconnecting, preventing the consumer from reaching anyone.

What RTR Cannot Do Under Federal Law

• Demand personal identifying information before disclosing the debt: FDCPA Section 1692e requires debt collectors to identify themselves and the nature of the communication. Demanding a license plate or Social Security number before confirming what is being collected prevents consumers from exercising validation rights.
• Leave voicemails without identifying as a debt collector: Every RTR communication including voicemails must disclose that the call is from a debt collector attempting to collect a debt under FDCPA Section 1692e(11).
• Continue collection on debts the consumer disputes belong to them: If RTR is collecting a citation for a location you have never visited or a vehicle that is not yours, send a written dispute identifying the specific inaccuracy.
• Report inaccurate information to credit bureaus: If RTR is reporting a medical balance your insurance should have covered, dispute the entry with all three bureaus and simultaneously request insurance reprocessing from the original provider.
• Continue collection after a written validation request: All activity must pause until RTR produces documentation confirming the debt is yours, the amount is accurate, and RTR has the right to collect it.

Medical Debt Reporting Protections

Credit bureau voluntary policy changes effective 2023 removed paid medical balances and balances under $500 from credit reports. If RTR is reporting a paid medical balance or a balance under $500, dispute those entries directly with all three bureaus.

Verify Before Paying RTR

For medical accounts, send a certified validation letter demanding the original provider’s name and contact information, the original itemized bill with CPT codes, the insurance Explanation of Benefits, and proof that insurance was billed before the account was referred to RTR.

For citation and violation accounts, demand the citation number, the exact date, location, and vehicle information, and confirmation that the vehicle in the citation matches your license plate and registration.

How to Check Your Credit Report

Pull all three reports at AnnualCreditReport.com and look for RTR Financial Services as the furnisher. RTR’s own BBB responses confirm the agency does not always report accounts to credit bureaus, so an RTR letter does not always mean a credit entry exists.

Confirm the original creditor, balance, and date of first delinquency. For medical accounts, verify that paid balances and sub-$500 balances are not appearing.

How Long Can RTR Legally Pursue the Debt?

New York allows three years on most open accounts. The state where the original service was provided may control the statute for out-of-state medical accounts.

Your Options for Resolving the Account

• Send a certified validation letter immediately: For citation accounts, demand the exact vehicle information in the citation. If it does not match your vehicle, state that specifically in writing.
• Dispute credit entries for balances your insurance should have covered: Contact the original provider and request insurance reprocessing before engaging RTR. If insurance coverage reduces or eliminates the balance, RTR’s entry becomes inaccurate and disputable.
• File a CFPB complaint for identity demands before debt disclosure: If RTR demanded personal information before explaining who they are or what they are collecting, document the call and file a CFPB complaint citing FDCPA Section 1692e.
• File a New York AG complaint for wrong-person citation collection: New York’s consumer protection laws provide enforcement channels through the NY Attorney General’s Consumer Frauds Bureau.

How to Contact RTR Financial Services

Handle all communication in writing. Send disputes by certified mail with return receipt requested:

• Office address: RTR Financial Services, Inc., 2 Teleport Drive, Suite 302, Staten Island, NY 10311
• Mailing address: RTR Financial Services, Inc., P.O. Box 30306, Staten Island, NY 10303
• Phone: (718) 668-2881

Bottom Line

RTR Financial Services collects for healthcare providers and municipal clients including traffic and citation enforcement. Documented complaints describe RTR collecting citations for locations consumers have never visited, demanding personal information before disclosing the debt, and leaving voicemails with no identifying information.

For medical accounts, verify insurance was properly billed before paying anything. For citation accounts, demand the exact vehicle information before acknowledging any balance.

If an RTR account is on your credit file, the right move depends on whether the original creditor is one you recognize, whether the debt category matches any actual service you received, and whether insurance was properly applied for medical balances.