Complaints

The 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:07/23/2025

  Type:Billing Issues
  Status:

  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.

  RRS called me and left a message on June 23rd but before they had even called me they had called my employer. I returned their call to tell them they can’t discuss my information with my employer and she then said we didn’t but in the message they had sent me they said they did. I want all communications with this company ceased and I don’t want them contacting my employer or my family members. This company is very unprofessional. Why would you contact my employer before you even attempted to contact me is very unprofessional and unethical.

  Business Response

  Date: 07/24/2025

  Dear Sir/Madam,
  We have received a delinquent **** *********** you cash account
  in our office on July 7th, 2025, for Ms. *******.   We sent out a letter as well as an email to
  the mailing address and email listed as Ms. *******.   On July 23rd, 2025, we tried to
  contact Ms. ******* to discuss the delinquent account.  She listed her cell phone number, and her work
  number on the loan application. When filling out the application to receive the
  loan, you must put two contact numbers.  At
  this time, we have moved the account into a Cease & Desist status so there
  is no further contact made by our office. 
  If Ms. ******* would like to resolve the account she can go on our
  online portal to make her payment or she can call our office and speak to
  Madison at extension 106, she is our Office Manager.
  
  
  Sincerely,
  
  Compliance Department

• Initial Complaint

  Date:07/21/2025

  Type:Billing Issues
  Status:

  ResolvedMore 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 filing this complaint against RRS regarding a debt they claim I owe. On July 18th, a representative from RRS contacted me 3 times and also contacted distant family members and on today, July 21st, a representative from RRS contacted my place of employment. , which is inappropriate and potentially violates the Fair Debt Collection Practices Act (FDCPA).
  
  As of today, I am exercising my legal right under 15 U.S. Code § 1692c(c) and requesting that RRS cease all communications with me regarding this account. This includes calls to my workplace, cell phone, email, physical address, and any contact to my family members.

  Business Response

  Date: 07/22/2025

  Dear Sir/Madam,
  We have received a delinquent **** ******/Lend you cash
  account in our office on July 7th, 2025, for Ms. *****.   We sent out a letter as well as an email to
  the mailing address and email listed by Ms. *****.  I’m not sure if she is confusing us with another
  company because of the complaint wording. 
  Ms. ***** stated we attempted to contact her 3 times on July 18th,
  2025, and I’m seeing yesterday July 21st, 2025, was our first
  attempt via the phone to contact her.  I
  see here the two numbers Ms. ***** provided for contact on the application was
  a work number as well as her cell phone. 
  That is why the work number was contacted.  At this time, we have gone ahead and put the
  account into a Cease-and-desist status, so Ms. ***** doesn’t’ receive any further
  contact from us.  If she would like to
  rectify the matter though she is welcome to call our office or go on our online
  portal and use reference number ******** to make payment.  If you have any further questions related to
  this matter, please feel free to contact our office back.
  
  Sincerely,
  
  Compliance Department

  Customer Answer

  Date: 07/22/2025

  Better Business Bureau:
  
  
  
  I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me. 
  
  
  
  Regards,
  
  
  
  ****** *****
  
  
  
  
  
  
  
  
  

• Initial Complaint

  Date:07/17/2025

  Type:Billing Issues
  Status:

  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.

  Have received a phone call from this company today. My husband has also received a call. They do not state who they are or what the call is regarding. They are only asking for information about my name address, phone number and place of employment.

  Business Response

  Date: 07/17/2025

  Dear Sir/Madam,
  We have received a delinquent *** ********** Loans account
  in our office for Ms. ******.  We sent
  out a letter to her mailing address she listed as well as email provided on the
  loan application.  We attempted today to
  reach out to her via the phone.  We
  unfortunately are very limited in what can be left on voicemail to be compliant
  with Reg F guidelines and FDCPA guidelines. 
  If Ms. ****** would like to handle the account, she can visit our online
  portal to make payment or call our office.
  Should you or Ms. ****** have any questions related to the
  above reference ID, please do not hesitate to contact our office toll free at
  ###-###-#### Monday through Thursday 9:00am - 5:00pm EST and Friday 9:00am -
  3:00pm EST. 
  
  Sincerely,
  
  Compliance Department

• Initial Complaint

  Date:07/16/2025

  Type:Billing Issues
  Status:

  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've been receiving calls from an Adriana S**** at Revenue Reporting Services saying it's an urgent matter and they're requiring I call back right away to settle a dispute. Upon searching the company and phone number, it's looking like it is not an accredited company. There are multiple phone numbers they're calling from that vary from the ones they're saying to call back. Today I received a call from ###-###-#### and was told to call back at ###-###-####. They even called my brother in law to request my information, and I'm not sure how they received his information to do so. It's feeling very scammy and I'd like for them to stop contacting me.

  Business Response

  Date: 07/16/2025

  Dear Sir/Madam,
  We have received a delinquent ********** account in our
  office on May 6th, 2025, for Ms. *****.   We sent out a letter as well as an email to
  the mailing address and email listed as Ms. *****.   There
  were only two attempts to contact Ms. ***** from our office via the phone.  One was done May 19th, 2025 and
  one today July 16th, 2025.  We
  have now moved the account into a cease-and-desist status so there will be no
  further contact made.  If Ms. ***** does
  want to resolve the matter she can call our office or visit our online portal
  in the emails to make payment.   

• Initial Complaint

  Date:07/14/2025

  Type:Billing Issues
  Status:

  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.

  Revenue Reporting has called me repeatedly regarding an alleged debt I owe. I have disputed the debt with the original creditor due to the interest rate not being what I had agreed to. Revenue Reporting has been calling my friends and family, asking for my contact and employer information. I did not authorize for these people to be contacted, I don't even know how they got information for my childhood next-door neighbor.

  Business Response

  Date: 07/15/2025

  Dear Sir/Madam,
  
  We received a delinquent Balance Credit account in our
  office on July 2nd, 2025, for Ms. ******.  I’m not sure if she is confusing us with
  another company because we have only made one attempt via the phone to reach
  out.  When we originally received the account,
  we sent the letter out to her mailing address and the email listed and then on July
  14th, 2025, we left voicemails on the numbers that were provided to
  us in the account.  We didn’t know there
  was a dispute in place with the creditor. 
  We were never notified of that.  At
  this time, I have notated that in the account and have moved it into a status
  of Cease & Desist.  There will be no
  further contact made at this time.  If
  there was discrepancy with what was provided in the original loan agreement to
  what it is now, Ms. ****** is welcome to call our office and ask for a
  settlement offer to see if there is any way to rectify the matter still. 
  
  Sincerely,
  
  Compliance Department

• Initial Complaint

  Date:07/10/2025

  Type:Billing Issues
  Status:

  ResolvedMore 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 filing this complaint against RRS regarding a debt they claim I owe. On June 5th, a representative from RRS contacted me 3 times and also contacted distant family members and on today, July 10th, a representative from RRS contacted my place of employment. , which is inappropriate and potentially violates the Fair Debt Collection Practices Act (FDCPA).
  
  I was pressured into setting up a payment plan over the phone, but the payment did not process. I have since experienced repeated anxiety and stress from the communication tactics used by this company.
  
  As of today, I am exercising my legal right under 15 U.S. Code § 1692c(c) and requesting that RRS cease all communications with me regarding this account. This includes calls to my workplace, cell phone, email, physical address, and any contact to my family members.

  Business Response

  Date: 07/14/2025

  Dear Sir/Madam,
  
  We received a delinquent ****** ***** account in our office
  on May 28th, 2025, concerning Ms. ****. We send the letter out to
  the mailing address as well as the email provided by her.   On June 5th, 2025, we did attempt
  to make contact via the phone.  We spoke
  to Ms. **** on her cell phone ###-###-####. 
  She stated she wanted to handle the account but needed a payment
  plan.  We scheduled her on 11 biweekly
  payments of $212.48 set to start on June 20th, 2025.  She used her cell phone number as primary and
  her sister ******* as her secondary number. 
  On the loan application she also used her cell phone and her work line
  as the contact numbers.  After her first
  payment cleared, the second payment defaulted on July 4th,
  2025.  We attempted to contact Ms. ****
  and never received any correspondence back. 
  Currently her account is in a defaulted status, and we have now moved it
  into a Cease & Desist status.  Should
  Ms. **** still wish to handle the account she would need to call our office or
  go on the portal and make payment.  If
  you have any further questions, please feel free to contact our office. 
  
  Compliance Department

  Customer Answer

  Date: 07/14/2025

  Better Business Bureau:
  
  
  
  I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me. 
  
  
  
  Regards,
  
  
  
  ******* ****
  
  
  
  
  
  
  
  
  

• Initial Complaint

  Date:07/10/2025

  Type:Billing Issues
  Status:

  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 have been in the process of paying a loan from ***** **** ** ********* ****. I agreed to pay $100 per month on this loan and payments have been made satisfactorily for 11 consecutive months. I was recently been notified by *** **** that my account had been sold to a collection agency even though I made payments as agreed. My balance with *** **** as of May 30, 2025 was $2025.00, but when I the collection agency (Revenue Reporting Services) reached out to me they claimed I owed $2909.56. This account should have never been sent to collections because payments were being made as agreed, and the amount indicated by Revenue Reporting Services is incorrect.

  Business Response

  Date: 07/10/2025

  Dear Sir/Madam,We received a delinquent *** ****/***** ***** account in our
  office on July 2nd, 2025.  We have
  sent out a letter and email to the information provided by Mr. ****** in our
  attempts at contacting him to discuss the matter.  We received this account in our office at a
  balance of $2,909.56.  We do not add any
  fees since we are a collections office and not the loan company.  I’m seeing in the account that it was charged
  off because a payment bounced.   If Mr. ****** never had a missed payment he
  can reach out to the creditor to ask why they sold the account, but we are
  seeing there was a payment missing.  At
  this time if Mr. ****** wants to handle the account but needs a payment plan or
  wants us to consider a settlement offer, we can see what we can do to assist we
  would just need him to reach out to our office.  Sincerely, Compliance Department

• Initial Complaint

  Date:06/27/2025

  Type:Billing Issues
  Status:

  ResolvedMore 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.

  Received a call from a company seeking looking for contact information and also stated that they had also contacted a former employer as well. I am asking for a Ceases and desist. The company is Revenue Reporting Services.

  Business Response

  Date: 06/30/2025

  Dear Sir/Madam,
  
  We received a delinquent Balance Credit account in our
  office on June 16th, 2025, concerning Mr. *******.  We sent out a letter informing Mr. ******* of
  the account to his address he listed as well as the email he provided.  It looks like on June 27th, 2025,
  we did make one attempt at contacting him via the phone as well.  At this time the account was moved into a Cease
  & Desist status.  Should Mr. ******* wish to handle the account he can do so on our portal or by calling our
  office.   
  Compliance Department

  Customer Answer

  Date: 07/01/2025

  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me. 
  
  Regards,
  
  *** *******

• Initial Complaint

  Date:06/27/2025

  Type:Billing Issues
  Status:

  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 filing this complaint against RRS regarding a debt they claim I owe. On June 19th, a representative from RRS contacted me at my place of employment, which is inappropriate and potentially violates the Fair Debt Collection Practices Act (FDCPA).
  
  I was pressured into setting up a payment plan over the phone, but the payment did not process. I have since experienced repeated anxiety and stress from the communication tactics used by this company.
  
  As of today, I am exercising my legal right under 15 U.S. Code § 1692c(c) and requesting that RRS cease all communications with me regarding this account. This includes calls to my workplace, cell phone, email, or physical address.
  
  If RRS believes this debt is valid and collectible, I request they provide full validation of the debt in writing, including:
  • Proof of the original creditor and account
  • Chain of title showing their legal right to collect
  • Breakdown of all charges and interest
  
  Any further communication that does not comply with the FDCPA will be documented and may result in additional complaints filed with the Consumer Financial Protection Bureau (CFPB),Texas Attorney General, and other consumer protection agencies.

  Business Response

  Date: 06/27/2025

  Dear Sir/Madam,
  
  We received a delinquent Lend you ********* ****** account
  in our office on March 31st, 2025. 
  We had sent out a letter and email to the information provided by Ms. ******
  in our attempts at contacting her to discuss the matter.  Shortly after I saw Ms. ****** created an account
  on our portal to review her account information.  Then on June 19th, 2025, we spoke
  to Ms. ****** at one of the phone numbers she provided for contact of
  ###-###-####.  That number was listed on
  her loan application by her for contact along with the cell phone.  She stated she didn’t have the full balance,
  or the settlement offer so she asked for a payment plan.  She made a good faith payment of $30.00 down
  that day then scheduled future payments of $181.07 set to start June 27th,
  2025.  She also asked us to send her the
  link to our portal so she could review all the payments scheduled.  We provided that and see that she logged into
  view of it.   I’m not sure what Ms. ****** is claiming with
  the stress from communication tactics because there have never been any
  attempts at contact made since the date, she scheduled the payments. There was
  also never a request for Validation of debt or it would have been sent
  over.  We were just asked to do a payment
  plan and even though the contract said full balance was due we did make that
  exception.  I’m not sure if this was
  submitted because of  Ms. ****** knowing
  she was not going to make her payment today because I do see her first post-dated
  payment defaulted this morning.  Currently,
  we have notated a Cease & Desist on the account and have requested
  Validation of debt from our client. Once received we will forward over to Ms.
  ******.  If there are any other questions
  regarding this complaint, please feel free to call our office.  
  
  Sincerely,
  
  Compliance Department

  Customer Answer

  Date: 06/27/2025

  Better Business Bureau:
  
  
  
  I have reviewed the response made by the business in reference to complaint ID ********, and have determined that this does not resolve my complaint.  For your reference, details of the offer I reviewed appear below.
  
  
  First, I’d like to clarify that I did not file this complaint because I “knew I wasn’t going to make my payment.” That comment was unnecessary and assumes intent without knowing the full picture. The truth is, due to unforeseen financial circumstances, I had no way of predicting that other obligations would interfere with my scheduled payment. Life happens—and I was genuinely trying to resolve the matter in good faith.
  
  
  More importantly, this complaint was submitted due to the emotional stress and pressure caused by RRS repeatedly contacting my place of employment. I never consented to that, and it put me in an extremely uncomfortable situation. That alone felt coercive and unprofessional.
  
  
  I was also never properly provided validation of debt before payment discussions began. The fact that RRS only initiated validation after I filed this complaint proves my point. Regardless of whether I entered a payment plan, I had—and still have—a legal right under the FDCPA (15 U.S. Code § 1692g) to request validation at any time.
  
  
  Going forward, I will not make further payments until the debt is fully validated with appropriate documentation, including the original signed agreement and a breakdown of the balance owed. I expect RRS to comply with this legal obligation, and to refrain from unnecessary commentary that attempts to shame or belittle me for exercising my rights. I am still requesting a formal resolution, and I appreciate the BBB’s help in overseeing this process.
  
  I am exercising my rights under 15 U.S. Code § 1692g(b) of the Fair Debt Collection Practices Act (FDCPA) and 15 U.S. Code § 1681s–2(b) of the Fair Credit Reporting Act (FCRA).
  
  I formally dispute this debt and request full validation, including:
  
  -The complete chain of title and forward flow agreement
  -The purchase agreement proving legal ownership
  -Account-level documentation and signed contract
  -A sworn affidavit of ownership
  -Any insurance claims already paid on this debt
  -All communications attempted or made with me
  
  
  Regards,
  ****** ******
  
  
  
  
  
  
  
  
  

  Business Response

  Date: 06/27/2025

  Dear Sir/Madam,
  
  We are not making assumptions but simply stating facts.  Ms. ******’s account was sent to our office
  because she defaulted on this loan agreement. 
  We reached out as per a contract that states the full balance was due
  and we made an exception in attempts to help. 
  The first payment has already defaulted. 
  Whether it’s intentional or not it has defaulted.  We understand life gets in the way and
  situations can be challenging.  That is
  why even though the contract states no extensions we went ahead and did that as
  a courtesy.  We by law are required to
  send out a Reg F letter when we receive an account in our office.  We did that. 
  Ms. ****** logged into our portal and reviewed her account.  Ms. ****** scheduled a payment plan with our office.  We called the numbers that were listed on the
  loan application for contact by Ms. ******.  The employer number listed was called one time
  and no message was left; we spoke to Ms. ******.  All our calls are recorded and there were no
  violations done on our end.  I apologize
  if Ms. ****** feels belittled because of the situation.  However, that is not because of anything that
  we have done in violation.  We have this
  account in Cease & Desist just like we were asked, and we immediately
  requested the validation of debt because this is the first time Ms. ****** has requested
  it and we are following the guidelines required.  That request would be put in once it’s made
  and it has now been made as of this morning. 
  
  Sincerely,
  
  Compliance Department

• Initial Complaint

  Date:05/21/2025

  Type:Billing Issues
  Status:

  ResolvedMore 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.

  Repeated phone calls and emails with threats to contact my "employer". I am requesting a cease and desist and for all communication to be done via mail.

  Business Response

  Date: 05/22/2025

  Dear Sir/Madam,We received a delinquent ****** ***** account in our office
  on February 28th, 2025.  We have
  sent out a letter and email to the information provided by Ms. **** in our
  attempts at contacting her to discuss the matter.  I see on April 30th, 2025, we
  attempted to contact Ms. **** via the phone number listed of ###-###-####.  She had called our office back that day but didn’t
  feel comfortable verifying that it was her. 
  According to the FDCPA guidelines we must follow we were unable to
  disclose the information because we couldn’t do the verification process with
  her.  She stated she would look over the
  paperwork that was sent to her and call back. 
  On May 21st, 2025, we did make a second attempt to follow up
  with her and left a message.  At this time,
  we have moved the account to Cease & Desist and there will be no further
  contact made by our office.  If Ms. **** does wish to handle the delinquent account, she can call our office back or go
  on our online portal to review her account. Sincerely, Compliance Department

  Customer Answer

  Date: 05/22/2025

  Better Business Bureau:
  
  
  
  I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me. 
  
  
  
  Regards,
  
  
  
  ********** ****