Collections Agencies
Red Rock Financial Services LLCThis business is NOT BBB Accredited.
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Complaints
Customer Complaints Summary
- 12 total complaints in the last 3 years.
- 5 complaints closed in the last 12 months.
If you've experienced an issue
Submit a ComplaintThe complaint text that is displayed might not represent all complaints filed with BBB. Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business.
Initial Complaint
Date:06/02/2025
Type:Customer Service IssuesStatus:AnsweredMore info
Complaint statuses
- Resolved:
- The complainant verified the issue was resolved to their satisfaction.
- Unresolved:
- The business responded to the dispute but failed to make a good faith effort to resolve it.
- Answered:
- The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
- Unanswered:
- The business failed to respond to the dispute.
- Unpursuable:
- BBB is unable to locate the business.
I don't have the exact date but last year around May 2024, my neighborhood *** changed to a new management company. I never received any invoices for the quarterly payments, so, these have not been paid. I've reached out to ************* Residential trying to correct the problem but may account has been sent to collections which is Red Rock Financial. Thinking this issue could be resolved quickly, I was informed that the amount owed is over $3000.00 for approximately, $200-300 in ***'s. I have not received any details for the *** management company, or, the collections company and they both are unwilling to resolve this issue. I have requested all documentation and feel this is unlawful to present an invoice for an unrealistic amount of money for a simple fix. Also, I don't like being threatened on the phone from the collections company.Any assistance in resolving this issue will be greatly appreciated.Business Response
Date: 06/02/2025
Red Rock Financial Services is in receipt of the complaint filed by ***** ***********, herein referred to as the debtor.
The debtor owns a property within the ****************************************************************** and is responsible for maintaining compliance with the governing documents, which includes paying the assessments in full and on time.
Records indicate that the debtor had failed to pay their assessments timely and in full even before the change in management companies that took place on June 1, 2024. Despite the ongoing delinquency, the association did not refer the account to collections until November 12, 2024. Please note that it is the debtors sole responsibility to pay their assessments whether an invoice is received or not. In some cases, associations do not even send regular invoices, instead they send information annually on when the assessments will become due and how they can be paid. Information on the consequences of non-payment are also provided annually and again before an account is referred to collections.Multiple notices have been sent via certified and first-class to the mailing addresses on file, during a recent call with our office the debtor confirmed the property within the *************** *********************************** is the correct mailing address. If mail is not being received at this address,the debtor must contact the **************************** to resolve that matter.
The debtor has been offered a payment plan, as well as a settlement to bring the account current. The debtor is encouraged to either make payment for the settlement or contact our office to enter into a payment plan.
Customer Answer
Date: 06/02/2025
Complaint: 23398280
I am rejecting this response because: I never received any documentation from my current *** that my account was not pair or any documentation from the collections company. I have filed a complaint with the **** for not receiving any correspondence from with company. Both companies have my email and telephone number and no attempt has been made on this issue. The collections company should only be requesting the *** amount be paid which I am more than willing to do. I don't appreciate being threatened on the phone stating they are putting a lien on my property for such a small amount, telling me they will foreclose on my property too. The unrealistic fees are disgusting and should be against the law.
Sincerely,
***** ***********Customer Answer
Date: 06/05/2025
Both entities, ************* Residential & Red Rock Financial have not provided any documents for notice & communication about my account/property. By law, they need to notify the property owner.
I will be submitting payment for the amount of $2646.00, which by no means, I am accepting fault. Both companies are in violation of the law...
Business Response
Date: 06/05/2025
Red Rock Financial Services is in receipt of the response filed by the debtor, ***** ***********. As of the date of this response, a settlement was reached with the debtor and payment in full has been received.Customer Answer
Date: 06/06/2025
I appreciate the BBB help with the issue. I just want to make sure that Red Rock Financial has not followed the law of providing notice to me. They claim sending certified letters, that require signatures, or any paper trail. I have requested these items with no response. I've called several times , left voice messages, with no return call. I did find out, they call from a blocked number. You can't get answers, you can't make an appointment or receive confirmation on anything.Initial Complaint
Date:05/15/2025
Type:Billing IssuesStatus:AnsweredMore info
Complaint statuses
- Resolved:
- The complainant verified the issue was resolved to their satisfaction.
- Unresolved:
- The business responded to the dispute but failed to make a good faith effort to resolve it.
- Answered:
- The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
- Unanswered:
- The business failed to respond to the dispute.
- Unpursuable:
- BBB is unable to locate the business.
I am writing to formally dispute a charge and lien in the amount of $1,516.90 that has been placed against me by Red Rock Financial Services. I was neither notified of these charges through certified mail, nor have I received any prior communication explaining the origin or basis of these fees. This lack of transparency and proper notice is both unacceptable and concerning.I have no knowledge of the nature of these charges and, as such, I am highly disputing the validity and accuracy of this debt. Furthermore, the failure to provide proper notice, including certified mail, as required by law, raises serious compliance and procedural concerns.Please be advised that I will be filing a formal complaint with the Consumer Financial ***************** (CFPB) regarding this matter. I am also consulting with legal counsel, and my attorney will be involved moving forward should this matter not be resolved promptly and appropriately.I request that you immediately provide a detailed breakdown and explanation of these charges, including dates, related documentation, and justification. Until then, consider this account formally disputed and any collection or lien activity to be unauthorized.Business Response
Date: 05/16/2025
Red Rock Financial Services (Red Rock) is in receipt of the complaint filed by ***** ********** (debtor)regarding the property located at ***************************************** Red Rock is attempting to collect a debt owed to the **********************************
Records indicate that the debtor purchased this property around the end of August 2024. As this property is located within a common-interest community, otherwise known as a homeowners association, the debtor is responsible for complying with the rules and regulations of the association. This includes paying the monthly assessments in full and on time. As of the date of this response, the debtor has not made a single payment to the ********************************* since purchasing the property.
The debtor has also made no attempt to contact our office to obtain the information he is requesting or to discuss a resolution to this situation. An account ledger has been mailed to the debtor at the address included in the complaint. To resolve this matter, the debtor must contact our office as soon as possible.
Initial Complaint
Date:02/03/2025
Type:Billing IssuesStatus:AnsweredMore info
Complaint statuses
- Resolved:
- The complainant verified the issue was resolved to their satisfaction.
- Unresolved:
- The business responded to the dispute but failed to make a good faith effort to resolve it.
- Answered:
- The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
- Unanswered:
- The business failed to respond to the dispute.
- Unpursuable:
- BBB is unable to locate the business.
On January 24th, 2025, I received an email from my mortgage company with an attached letter from Red Rock Financial. This letter states that I am behind on my Land Management Association fees by $2,200 and they placed a lien on my home with an intent to foreclose to settle the debt. I contacted Red Rock the same day and was advised that I must pay $4,936.90 and somebody would call me on Thursday (1/30/25), which nobody ever did. Today, 1/31/25, I received a letter from Red Rock Financial with payment arrangements of $940 for 6 months, totaling $5,600. There was no itemized bill, nothing to explain what all these fees are. In 6 days (2 weekend days) it went up $600. This company is highly unethical and needs to be shut down IMMEDIATELY. I planned on speaking to a Red Rock Representative and settling an appropriate amount and paying the debt in full, however, after seeing so many different people have the same complaint as I do, I rather take legal action against Red Rock. Im asking the Better Business Bureau to please take action against this company.Business Response
Date: 02/04/2025
We are in receipt of the recent complaint filed by the debtor and homeowner of *********************************** with the ***************************************************** (association). Records indicate that the debtor has failed to make timely and consistent payments over the past several years. It is vital to the community that homeowners pay their assessments timely and in full.
As a result of the continued delinquency, the account was forwarded to our office further action. Notices were sent to the debtor via first class and certified mail advising them of the steps that would be taken if the delinquency was not resolved. Our office complies with all state and federal regulations. State law is very clear in the process of collecting past due assessments, as well as the costs associated with each step.
Payment plans include the past due balance, as well as any anticipated charges for the duration of the payment plan. The assessments are charged monthly, so for a 6-month payment plan there are at least 6 months of assessments included in the calculations, as well as any other charges the association is expected to incur. This allows the account to be paid in full at the end of the 6 months.
An accounting ledger detailing the charges was emailed to the debtor on 2/3/2025.
Initial Complaint
Date:09/02/2024
Type:Billing IssuesStatus:AnsweredMore info
Complaint statuses
- Resolved:
- The complainant verified the issue was resolved to their satisfaction.
- Unresolved:
- The business responded to the dispute but failed to make a good faith effort to resolve it.
- Answered:
- The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
- Unanswered:
- The business failed to respond to the dispute.
- Unpursuable:
- BBB is unable to locate the business.
My HOA bill was sent to this collection agency after fees were added the total I owed is $930.00. I tried to call and make a payment arrangement in which they denied and said that was not possible until they file a lien against my property and add more fees before they would allow me to set up a payment arrangement. I called today to settle my balance and was told they had added an additional ****** to my balance because they had to file an intent to lien on my property. Their website states the fee for an intent to lien is only ******. Where does the additional ****** come in?? I again attempted to set up a payment arrangement at which they stated they couldnt help me until a request was sent to their manager to approve the payment arrangement. Again a delay tactic for them to add on additional fees. The set up fee for the payment arrangement is an additional ***** not listed on their list of fees on their site either.Business Response
Date: 09/09/2024
Red Rock Financial Services is in receipt of the complaint filed by the debtor for the account with our office. This account was referred to our office for collection action, as the assessments had been delinquent since August 2023. The collection fees are determined by the state of Nevada and all fees are listed on our website. Attached is a copy of the schedule of fees page printed directly from the website, the fee for a payment arrangement is highlighted. The screenshot provided by the debtor does not provide the full schedule of fees as it is currently available. It appears to be cropped to avoid several fees. The collection process is also determined by the state of Nevada.
A payment arrangement has been established, but Red Rock Financial Services is willing to provide a discount on the condition that the remaining balances are paid in full within 30 days. If the debtor is interested in accepting this offer, they will need to call our office to receive the settlement balance.Initial Complaint
Date:04/01/2024
Type:Billing IssuesStatus:AnsweredMore info
Complaint statuses
- Resolved:
- The complainant verified the issue was resolved to their satisfaction.
- Unresolved:
- The business responded to the dispute but failed to make a good faith effort to resolve it.
- Answered:
- The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
- Unanswered:
- The business failed to respond to the dispute.
- Unpursuable:
- BBB is unable to locate the business.
In 2022 *********************** accused me of not having my back yard landscape and sent me to collection via Red Rock Financial Services (RFS). I sent pictures showing my completed backyard. The photos were dated Dec 13th, 2016. I was not in violation! San ******************* was taken over by **************** Management in 2022/2023. Whilst in collection I was prevented from making my monthly HOA payments. I therefore fell behind on those payments. I met with Epic in the fall of 2023. As a result of the hearing, Epic gave me until January 12th to bring my account current. I emailed ************************* at Epic for the amount due and she told me to contact RFS. I did so and was told that I owed over 4k. and that if I didn't pay the fine my home would be foreclosed upon. I reiterated this info to ************************* at Epic. I told her because they falsely accused me of not having my landscaping done and consequently prevented me from making my HOA payments that now I owe 5k to RFS. I also told ****** that I was going to put in official complaints about her and RFS. The next time I spoke with RFS, which was the end of January, I was told by either ****** or ********* of RFS that I owed $1400 to Epic and the rest was RFS fees. I explained that I didn't have $4000.00 and I was offered a payment plan which I accepted under duress because I do not want to be homeless. The payment plan was for $800 monthly for 6 months for a total of $4800.00. The first payment was due on February 15th. I paid it on Feb 23rd. I made the March payment on 3/28th. Because the payments were late, ****** of RFS told me today, that I am in breach of contract and my house is set to forclosed on May 15th, of 2024. Epic is in violation of NV. REV. ***** ******* which states that an HOA cannot prevent a homeowner from installing drought tolerant landscaping, pictures are attached. Because of sending me to collections. Epic along with RFS are in violation of The Fair Debt Collection Practices Act (FDCPA) which prohibits debt collectors from using abusive, unfair, or deceptive practices to collect debts from me, including: Misrepresenting the nature of the debt, including the amount owed. RFS practices are deceptive in that they have not disclosed a breakdown of their fees. Every time I call RFS they threatening to foreclose on my home. Realtors have come to my home telling my daughter that she will not have a house to live in. I have received a plethora of phone calls and texts stating that my house is in foreclosure. Epic prevented me from making my HOA payments because according to ******, I can only make payments if I am not in collections. These practices are predatory, abusive and aims to enrich Epic and RFS.Business Response
Date: 04/01/2024
The violation fines and monthly assessments are two separate matters and two separate accounts. The account with ******************** is for the unpaid monthly assessments owed to San ******************* and has nothing to do with any violation fines.
Records indicate that the debtor ceased making their assessment payments to the *** in October 2022; however,the association did not transfer the account to Red Rock for collection action until February 2023. The *** sent multiple notices and reminder statements to the debtor in an attempt to resolve the matter. As the assessments remained unpaid, the account was referred to Red Rock for further action. Once with Red Rock, multiple notices were sent to the debtor via certified and first class mail informing them of the urgency and potential costs involved if the account was not resolved. In August 2023 a Payment Agreement was provided to the debtor with their first payment being due on 9/20/2023. As the debtor did not remit payment nor contact Red Rock to make alternate arrangements, the Agreement was breached on 9/25/2023. As a courtesy, Red Rock offered the debtor a second Payment Agreement in January 2024 with their first payment due on 2/15/2024. Payment was received on 2/20/2024 and despite the late payment, the Agreement remained in place. The debtor did not remit payment as scheduled for March 2024 or contact Red Rock to make alternate arrangements and subsequently the agreement was breached.
Red Rock can provide the debtor a third Payment Agreement; however due to the history, a good faith down payment is now required.
Customer Answer
Date: 04/10/2024
Complaint: 21513466
I am rejecting this response because: whenever I called to make additional financial arrangements Im told that if the payment is not received by the due date RFS will foreclose on my home. Ive even gone to their office in hopes of making other arrangements and to drop off my payments without no responses. There is a sign on their door stating they are not open to the public , despite their website stating that they accept customers weekdays in the afternoon. Yes I made late payments but RFS has refused to work with me. My payments were late but not more than 30 days late. Ive paid them $1600 and now they have increased my charges from $4800 to $5100.00 because of their astronomical fees.Now they are telling me I have to come up with $2300 for a new payment arrangement when Im struggling with coming up with $800.00. I would like to pay RFS $2300 and be done with them.
Sincerely,
*******************************Business Response
Date: 04/17/2024
In the response filed by the debtor,they claim they were not more than 30 days late; however when this account was sent to our office in February 2023, the debtor had not made a single payment to their association in almost 6 months. Multiple notices and attempts to resolve the delinquency were provided to the debtor in the years leading up to the current situation. At this stage of the foreclosure process, and due to the inconsistent payment history, a down payment of 50% is typically required before another payment plan can be considered. However, in an attempt to resolve this delinquency we offered to work with the debtor on the down payment amount. The debtor indicated they could make a down payment of $1,600.00, which we agreed to accept. If the debtor is willing to remit this down payment, the foreclosure scheduled for 5/15/2024 can be postponed to allow the debtor to enter into another payment plan. The down payment must be received no later than 4:00pm on 5/14/2024.In the response filed by the debtor,they claim they were not more than 30 days late; however when this account was sent to our office in February 2023, the debtor had not made a single payment to their association in almost 6 months. Multiple notices and attempts to resolve the delinquency were provided to the debtor in the years leading up to the current situation. At this stage of the foreclosure process, and due to the inconsistent payment history, a down payment of 50% is typically required before another payment plan can be considered. However, in an attempt to resolve this delinquency we offered to work with the debtor on the down payment amount. The debtor indicated they could make a down payment of $1,600.00, which we agreed to accept. If the debtor is willing to remit this down payment, the foreclosure scheduled for 5/15/2024 can be postponed to allow the debtor to enter into another payment plan. The down payment must be received no later than 4:00pm on 5/14/2024.Initial Complaint
Date:12/18/2023
Type:Billing IssuesStatus:AnsweredMore info
Complaint statuses
- Resolved:
- The complainant verified the issue was resolved to their satisfaction.
- Unresolved:
- The business responded to the dispute but failed to make a good faith effort to resolve it.
- Answered:
- The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
- Unanswered:
- The business failed to respond to the dispute.
- Unpursuable:
- BBB is unable to locate the business.
3/31/2022 Cashiers check $1,606.44 Cashiers check was accepted but never posted to account ledger. The association sent me copies of records requested going all the way back since I started with the homeowners association. When I sent Red Rock Financial the copies and ledger information, they only sent a reply stating I owed the amount $1,306.49. and to refer to my CC&Rs. That does not explain in CC&Rs what happened to the Cashiers Check. Red Rock did not even acknowledge what happened to the Cashiers Check I sent to them. Had it been posted a lot of this was unnecessary. My bank to which I was able to get a copy of the Cashiers Check stated treat it just like cash and have it signed by the company receiving the funds in my presence. Thats a little hard to do with this company that only hangs a drop box on a locked door to place the check into. Additionally, I sent a copy of front and back of cashed check (ck#****) to ********************* ****************** for dues paid on the dates claimed that I owe assessments. $480.00. I want to know what happens on the 1st of January **** when I send a check in before the date? Will it be cashed and disappear? I received the coupon book with envelopes which I put the check in and mail it. Im almost afraid to do this. I want this matter resolved as I will not give up. This is hard earned money to just throw down the drain. I will keep going until the money is found and what it went to. I have double checked to be sure and no it was never posted.Business Response
Date: 12/20/2023
Red Rock Financial Services is in receipt of the complaint response filed by ***********************************************, herein referred to as the homeowner.
On April 4, 2022, Red Rock Financial Services received a payment from the homeowner in the amount of $1,606.44. This payment was applied to the collection account with ******************** at that time, the account number was *******. This payment paid the assessments in full through April 2022 and that collection account was closed. This payment paid the collection charges incurred by Red Rock Financial Services as well.
Homeowner was responsible to begin making payments to the association directly on May 1, 2022. Payments for the months of May 2022, June 2022 and July 2022 were received by the association. However, payments did not continue for the months of August 2022 April 2023, 9 months in total.
On May 17, 2023, the association received a payment totaling $480, check number 112. This was posted as a partial payment and did not pay the balance in full.
On July 7, 2023, the association sent the homeowner a precollection notice advising them of their delinquent balance,this notice also informed the homeowner that their failure to bring the account current would result in collection action. As a response was not received, the account was sent to ******************** on November 7, 2023 as account number *******.
Attached is a copy of the accounting ledger reflecting check number ****** in the amount of $1,606.44, as well as a copy of the payment allocation reflecting how these funds were divided between the association, their management company and Red Rock Financial Services. The homeowner is encouraged to contact our office as soon as possible to discuss their payment options and avoid further collection action.
Initial Complaint
Date:12/12/2023
Type:Billing IssuesStatus:AnsweredMore info
Complaint statuses
- Resolved:
- The complainant verified the issue was resolved to their satisfaction.
- Unresolved:
- The business responded to the dispute but failed to make a good faith effort to resolve it.
- Answered:
- The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
- Unanswered:
- The business failed to respond to the dispute.
- Unpursuable:
- BBB is unable to locate the business.
I am a homeowner that didnt know that the *** changed since Jan 2023. We were out of the country for 4 months and was able to pay *** fees for until March 2023. We were gone from April to August. I have the downloaded app tonw square but says balance unavailable. My property has been in forbearance up until Dec 1 2023. I received a lien from this company that I owe $1860.02 in fees. If its $70 a month and if the due amount is til Nov its 8 months $560 ai have incurred **** in fees???? I am in hardship at this time and putting a lien on my property is not right. I have attempted to call Associa even wrote thru the app townsquare but they fall on **** ears. I would want to keep my account current but paying more than 3x of what I actually owe is too much and will further aggravate our hardship. I tried calling RRFS but they are closed!Business Response
Date: 12/14/2023
Red Rock Financial Services is in receipt of the complaint filed by **************************************, herein referred to as the homeowner.
The Clearwater *************************** herein referred to as the Association, charges monthly assessments in the amount of $70. These assessments are due on the 1st of each month, every month.
April 12, 2023 the Association sent the homeowner a Statutory Pre-Collection Notice. This Notice notified the homeowner of their delinquency, offered a payment plan, a hearing and o included a schedule of collection fees that *** be charged if the account was not resolved in full.
Records indicate the homeowner did not make any payments to the Association until June 2023, at which point the assessments were already 6 months delinquent. The payment made in June 2023 represented less than half of the total balance owed at that time.
The account was referred to Red Rock Financial Services on October 30, ***************************************************************************************** full. The collection charges are outlined in current Nevada Statutes, in addition the homeowner was provided sufficient notice that failure to bring their account current could ultimately result in collection action at additional costs to them.
Red Rock Financial Services has offered the homeowner a payment plan; however, this was refused on December 12, 2023. The homeowner is encouraged to contact our office directly to resolve this matter. A payment plan remains available and they *** be eligible for a discount in the total balance owed.
Customer Answer
Date: 12/16/2023
Complaint: 20996429
I am rejecting this response because: As per the convo with the lady from RFS, her payment plan was for 4 months to pay $**** and 4 months of ************. I explained to her that my mortgage is in a special forbearance until Dec 2023 because of financial hardship. We were out of the country from April til August. I just gave birth in May. I lost my mother in November. After arriving back to the US with all the piled up mail, we never received the April mail from the ***.The *** waa in auto pay until tbey changed companies. I was able to speak to a rep from Associa in March and was left hanging as to how I can pay my ***************. The only way I was able to pay in **** was when I downloaded the app Townsq. We were experiencing hardship then and I was able to pay 210 as part of the forbearance application. I even commuicated with townsq so I can pay *** but they closed my info and then I received a lien against my house. The rep from RFS said I owed 800 but I have to pay **** plus 4 months *** advanced. They are pressing me up againat the wall. With the current financial hardship, emotional diatress and now this lien, the statement I MAY be entitled to a discount is a general term and MAY NOT be discounted. A big box of mails we received will be hard to sort and read. But I had communication with the *** but turned away and then given this lien. Will this lien forced me out of my house and I am even still on a special forbearance?
Sincerely,
**************************************Business Response
Date: 12/20/2023
Red Rock Financial Services is in receipt of the complaint response filed by *************************************** It is unfortunate that the homeowner is experiencing financial hardship, which is why they are encouraged to contact our office immediately to discuss their payment options to prevent the balance from increasing through continued collection action.
Any agreement they have with their mortgage company for a forbearance is between only those parties. *************** is a not a party to these agreements or negotiations. *************** is an entirely separate entity.
Initial Complaint
Date:03/29/2023
Type:Billing IssuesStatus:AnsweredMore info
Complaint statuses
- Resolved:
- The complainant verified the issue was resolved to their satisfaction.
- Unresolved:
- The business responded to the dispute but failed to make a good faith effort to resolve it.
- Answered:
- The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
- Unanswered:
- The business failed to respond to the dispute.
- Unpursuable:
- BBB is unable to locate the business.
I own a property at **********************, which has the *** managed by ************* Residential. I have my *** payments set to auto pay, and to adjust for any increase in *** fees automatically. Apparently, the *** did not adjust my fees automatically last year, resulting in a slight underpayment for nearly a year. On Feb 25th of this year, I receive a FIRST letter from Red Rock Financial (apparently the debt collection arm of *************). Red Rock had placed a lien on my property (without ANY notice) and added approximately $1500 in fines to a balance just under $700 actually due (that balance includes $125 in late fees). When I called Red Rock to dispute the fees and due amount, they rudely told me they were planning to file to sell my property and I had to pay the full amount. Talking to *************, they refuse to acknowledge the mistake (I have multiple properties, and all have ***'s and I have NEVER been late or behind on any) in under drafting from my account. Additionally, they froze all payments - so they prevented me from making an *** payment of any amount in both February and March thus far. On March 23rd I spoke with *************************** at Red Rock who told me she would reduce the fees to $400, which is still roughly 75% of the original amount actually due added in fees. She told me that she did not recognize that I am disputing the added charges and that if I simply paid the past actual due amount, they would continue to add fees (at a rate of $1000 per week) AND that they would be filing to sell my property. This company is engaging in blatantly predatory practices and violates both state of Nevada Debt collections laws and the federal FDCA laws. All I want to do is get this paid and corrected. Being held hostage by an unscrupulous debt collection company is beyond ridiculous. Both *************, and particularly Red Rock, are grossly in the wrong. Attachments are included to show that this was supposed to adjust automatically and action takeBusiness Response
Date: 04/03/2023
Red Rock Financial Services (Red Rock) is in receipt of the complaint filed by ************************* (the Homeowner).
In the complaint the Homeowner claims there was a slight underpayment as the payment amount did not increase when the monthly assessments did; however the Homeowner fails to mention that in addition to the underpayment of monthly assessments, the The Residence at Canyon ***************************************** began assessing a special assessment each month, which went unpaid. It is the Homeowners sole responsibility to ensure all assessments, regular and special, are paid timely and in full.
Multiple notices were sent to the Homeowner; including a precollection notice sent by the association on December 7, 2022. As the Homeowner failed to respond to this notice, the account was sent to Red Rock Financial Services and the initial notice/intent to lien letter was sent on January 10, 2023. Both of these notices were sent to the property address as well as the mailing address on file for the Homeowner.
The Homeowner first contacted our office on February 27, 2023 and verbally disputed the debt. The same day our office sent the debt validation letter.
Once an account is sent to collections,the association no longer has access to the account and as a result the ability to make online payments cease. Typically, all payments are to be processed through the collection agent.
The collection charges are set by the State of Nevada and are a set amount regardless of the delinquency amount. As a courtesy, Red Rock Financial Services offered to waive $920.96, which is a discount of approximately 70%. The Homeowner claims that even with this discount, the remaining collection charges make up 75% of the account balance. However, this is grossly exaggerated as the remaining collection charges were $386.10, representing approximately 24% of the delinquent assessment balance.
The Homeowner has been informed that this is a valid debt and a validation letter has been sent. In addition, the Homeowner has agreed the assessments were delinquent and that he is responsible to pay the assessments.
In the complaint, the homeowner states he was told the balance would continue to increase by $1,000.00 per week. This is not what was communicated to the homeowner, nor is this true. The collection charges are incurred as outlined in Nevada Revised Statutes and are not assessed weekly.
The association recently requested to pull this account from collections, as such we are in the process of closing the collection account. The homeowner will need to work with the association/management company directly to resolve the delinquency in full.Initial Complaint
Date:01/31/2023
Type:Billing IssuesStatus:AnsweredMore info
Complaint statuses
- Resolved:
- The complainant verified the issue was resolved to their satisfaction.
- Unresolved:
- The business responded to the dispute but failed to make a good faith effort to resolve it.
- Answered:
- The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
- Unanswered:
- The business failed to respond to the dispute.
- Unpursuable:
- BBB is unable to locate the business.
I own a property at 525 ********* way and just received mail from the post office due to a full mailbox which was inclusive of mail from Red Rock Financial Services. I have a tenant that occupies the property. I'm not issuing a complaint based on the amount of past due fees that were owed to the **** My tenant was behind and as a result caused some payments to fall behind. To my surprise I opened up letters from Red Rock Financial which tripled my amount owed to the *** in just 30 days. Letter dated 11/30/22 advised of the issue (not received until 1/28/23), 12/20/22 letter (not received until 1/28/23) that if full payment was not received in 10 days from letter dated that an additional $1000 in fees would be added. 1/9/23 **** filed to start the foreclosure process if total balance is not paid which is enough public embarrassment in itself. The total I owe in *** fees is $1,061.30 but RRF added another approx $1,900 in "Collection Fees." The behavior feels so predatory when a customer has a hard time paying whats already owed, RRF tripled the amount in 30 days (Balance $*******) & holds losing my home to forced foreclosure over my head in order to pay the inflated prices. Spoke to rep from RRF named ****** (1/30/23 @1:49pm), she was pleasant however she told me RRF could take off $300 if paid in full with 1 payment as a settlement, only option. That would only bring my balance down from ******* to approx $2600.00 which is still 1.5 times the amount I owe the **** In a time where inflation is high & people are barely affording to live why would these extreme fees be allowed to be assessed? I feel cornered and preyed upon. I know I need to pay my fines to the *** but paying an additional $2000 feels so unethical in it practices. I do plan to bring this issue to the attention of local officials/county commissioners for assistance in this matter also as I'll be forced to foreclose on my home if $2975 is not paid to RRF...worst nightmare. I cant afford $2000 in fees.Business Response
Date: 02/06/2023
Red Rock Financial Services (Red Rock) is in receipt of the complaint filed by ****** ***************************, the homeowner of the property at 525 ********* Way. In the complaint, the homeowner mentioned that there is a tenant residing in this property and as such they were not receiving their mail. It is imperative that the homeowner provide the association their current mailing address so that they may receive all notices, such as their delinquency and potential collection action, in a timely manner.
This account was sent to Red Rock on 10/17/2022 in accordance with The ****************************s collection policy as well as all state and federal requirements. On 9/7/2022, The **************************** sent the homeowner a precollections notice, which advised of the delinquency and the estimated collection charges that would be incurred if a response was not received within 30 days. A copy of the association's collection policy, which includes the schedule of fees that are incurred if an account is sent to collection, is sent to all homeowners annually. Adequate notice has been provided in regards to fees that are charged due to any unpaid assessments owed to the association.
The collection charges are determined and regulated by the State of Nevada. The homeowner is encouraged to contact our office as soon as possible to setup a payment plan to bring the account current.
Initial Complaint
Date:09/01/2022
Type:Sales and Advertising IssuesStatus:AnsweredMore info
Complaint statuses
- Resolved:
- The complainant verified the issue was resolved to their satisfaction.
- Unresolved:
- The business responded to the dispute but failed to make a good faith effort to resolve it.
- Answered:
- The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
- Unanswered:
- The business failed to respond to the dispute.
- Unpursuable:
- BBB is unable to locate the business.
Excessive fines and grossly unfair business practices.
HOA issued fine which they have since completely waived due to issue that was there for years and were corrected but before that was resolved they sent a debt to Red Rock Financial.
Red Rock Financial itself brought it upon itself to add $1300 in fees and add leins over the course of 1 month without proper notification. If only every business can excessively fine you and get free money by harming people. Even credit cards aren't allowed to fine and charge this much interest or fines.
You can't even sue in court without serving documents but these people can mail you a few times and potentially take your home or charge you $1300. I'd rather donate that money to charity.
I believe as active duty military who did not get this mail adds insult to injury. I will be contacting local politicians to see if there are protections against this kind of behavior and if not laws should be changed.Business Response
Date: 09/21/2022
Business Response /* (1000, 5, 2022/09/07) */
Red Rock Financial Services is in receipt of the complaint filed by ********** regarding the property at **************. This account was sent to our office for the collection of the unpaid violation fines owed to the ********* Estates II Homeowners Association (association) on May 12, 2022. Collection charges are incurred in accordance with all state and federal statutes.
On August 5, 2022, the association offered to waive $2,900 in violation fines as a courtesy to the homeowner. The homeowner is responsible for any collection charges incurred; however, in an attempt to resolve this matter our office will waive the remaining collection charges and close the account as a onetime courtesy.
Red Rock Financial Services LLC is NOT a BBB Accredited Business.
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