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:08/29/2025

  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 August 28th, a representative from RRS contacted me, when I didn’t answer, they 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: 09/02/2025

  Dear Sir/Madam,We have received a delinquent ****** ***** account in our
  office on July 25th, 2025, for Ms. *****.   We sent out a letter as well as an email to
  the mailing address and email listed by Ms. *****.  We then attempted to reach out to her via the
  phone.  The two numbers given by Ms.
  ***** on this loan application were her cell phone and her work number.  Our client ***** ********* is the one who has
  placed it on the credit report.  Our
  office doesn’t credit reports.  If the
  account is handled with us, we do notify the client to remove it from the
  credit bureaus.  At this time, we have
  moved the account into a Cease & Desist status and there will be no further
  contact made.  If Ms. ***** does wish to
  handle the account, she can call our office or go on our portal that was sent
  to her via email to make payment.  If the
  cease and desist is removed we can offer a payment extension if needed, however
  with a Cease & Desist in place we would need the full balance to be paid as
  per the contract so no further contact would be necessary.Sincerely,Compliance Department

• Initial Complaint

  Date:08/20/2025

  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 has called my employer and distant relatives in order to collect a debt they claim i owe. I would like my account put on a Cease and Deist

  Business Response

  Date: 08/20/2025

  Dear Sir/Madam,We received a delinquent ****** ***** account in our office
  on July 25th, 2025, for Mr.******. 
  We sent out a letter as well as an email to the mailing address and
  email listed as Mr. ******.   On August
  11th, 2025, we spoke to Mr. ****** regarding this account, and he
  asked us to schedule a payment plan because he did not have the full balance as
  the contract stated.  We let him know if
  we did the payment plan and there weren’t issues it would be closed to a paid
  in full status and removed from the credit report.  At this time Mr. ****** defaulted his first
  payment today and it has been put back in a defaulted status.  On August 11th, 2025, when scheduling
  the payment plan with us the two numbers he had provided us for contact were a
  cell phone ###-###-#### and a work line ###-###-####.  He gave us an extension of 135 for him.  This morning when the payment defaulted, we contacted
  his cell phone, and he stated he’s at work and asked that we call him later
  after 3pm CST then hung up the call.  He asked
  us that we call him later today so if Mr. ****** doesn’t want to handle the
  account any longer please have him call our office and we can remove all
  payments and put it in a cease-and-desist status so our client knows it will
  not be taken care of with our office any longer.  Sincerely, Compliance Department

• Initial Complaint

  Date:08/15/2025

  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.

  These people are calling my family and work trying to get ahold of me regarding an issue that I have no idea about. They’ve also been emailing me constantly about a loan that I have no idea about. I’m furious because calling my family is completely inappropriate. They have no class and no morals.

  Business Response

  Date: 08/18/2025

  Dear Sir/Madam,
  We have received a delinquent TBO Bank/Atlas Loans account
  in our office on August 5th, 2025, for Ms. ********.   We sent out a letter as well as an email to
  the mailing address and email listed on the loan application. I know Ms. ********
  mentioned receiving emails and letters, however we did not know those were
  received because we never received any correspondence back.  We did attempt to leave messages and reached
  out via the phone as well.  If Ms. ********
  is confused about the delinquent account, we are more than happy to try to
  explain everything to her, but we would need her to call us back.  At this time, we have moved the account into
  a Cease & Desist status so there will be no further contact from our
  office.  If Ms. ******** would like to
  discuss she would need to reach out to us. 
  
  Sincerely,
  
  Compliance Department

• Initial Complaint

  Date:08/15/2025

  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 received a call from them requesting employment information. They said they had an employment verification form signed by me. They are attempting to garnish my wages. I asked who the original debt was through. I advised I was not aware of this debt, and I truly am not. I have to do more research about this debt and possibly file a governmental complaint. I have never received any emails or information about this alleged debt yet this company is trying to garnish my wages. How can they do this? Did someone, somewhere ever speak with me before allowing this debt to be taken out in my name? The answer is no.

  Business Response

  Date: 08/15/2025

  Dear Sir/Madam,
  
  We received a delinquent Balance Credit account in our
  office on August 5th, 2025, for Mrs. ********.  At that time a letter was sent out to the
  address and email address that she provided. 
  We attempted August 14th, 2025, to reach out and speak to her
  on the phone.  Mr. ******** called our
  office yesterday on August 14th, 2025, on Mrs. ********’s
  number.  We had Mr. ******** verify Mrs.
  ********’s information and he said he had permission to speak on her behalf.  Mrs. ******** was also in the background
  speaking as well. They said they were not familiar with this loan.  We provided them with all the information in
  our office we have as well as the bank information where the money was
  deposited so they could research it.  We
  also put a request of validation of debt into our client yesterday since they
  were not familiar with the account.  Our
  office is a third-party collections division, and we do not garnish wages.  We never stated on the call that her wages
  were being garnished.  They might have
  mentioned that the loan application information was verified as employment information,
  but our office would never tell someone they are going to be garnished because
  we do not reserve the right to do that. 
  He mentions he felt that he was being taken advantage of because he is
  disabled.  We let them know we were just
  calling to try to help resolve the matter and that we would send over the
  validation request once received back. 
  At this time the account is in Cease & Desist so no further contact
  is attempted and once we receive the validation of debt from our client that
  will be sent over.  Should Mr. or Mrs.
  ******** have any questions regarding this account they can call our office and
  ask for Madison at extension 106, she is the Office Manager and can assist.
  Sincerely,
  Compliance Department

• Initial Complaint

  Date:08/12/2025

  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.

  My husband passed away by suicide not that long ago. Trying to make ends meet on my own and had to take out an online loan due to emergency situation. I fell behind on the loan payments but always pay my debts, just needed time. My loan was sold to a 3rd party - Revenue Reporting Services (RRS). I found this out with one day coming into my work, getting text messages from family saying somebody by name of RRS is looking for me. Then finding out they contacted MY WORK/PLACE OF EMPLOYMENT. They don't bother to contact me but instead use tactics by calling people not related to MY situation. For fear of my job and them calling more people, I called them. They acted nice but firm about setting up payments. Told me they couldn't give any discount on the plan for now working to get balance taken care of. I had already paid 640 towards an 1800 original loan amount and they want to charge me 2888. They pushed me into setting up a payment plan that is UNCOMFORTABLE for me. They also gave me NO CREDIT towards the balance with what I already paid to the original creditor. They are getting way more than what the loan originated for. And the worst of it all is they used scare tactics by calling my place of employment and family. Trying to shame me. I would like the following: (1) allow me to pay on original loan amount only, (2) a better payment plan, one that I am comfortable with, (3) credit of $640, which totals the payments I made to the original lender, and (4) for them to never call my work or family EVER again. As I stated before, I get my debts paid but in this case I deserve credit for what I've already paid in and do not feel they warrant $1000+ more for bullying me.

  Business Response

  Date: 08/13/2025

  Dear Sir/Madam,
  We have received a delinquent ******* ********* ********** ****** account in our office on June 6th, 2025, for Ms. *****.   We sent out a letter as well as an email to
  the mailing address and email listed by Ms. *****.  Ms. ***** listed down her cell phone and her
  work phone number on this loan application. 
  There was never any information provided for anyone but Ms. *****
  herself due to third party disclosure laws. 
  As far as the loan amount is concerned, this is the amount our office
  received.  We have not attached any
  interest or fees to this account.  We
  received a balance of $2966.87 in our office and that is what we made Ms. *****
  aware of.  Although the contract stated
  the full balance was due at this time we did go ahead and put her on a hardship
  extension to try to help her because of her circumstances.  At this time the payments that have been
  authorized are on file to run.  If Ms.
  ***** would like to discuss the arrangement, she can call our office and ask
  for Madison at extension ***.  Madison is
  the Office Manager, and we will try to do anything we can to help the
  situation.  As far as contact is
  concerned, there will be no further contact with anyone other than the two numbers
  provided to us by Ms. ***** which were her cell phone and her daughter’s
  number.  If you have any other questions
  please feel free to contact our office.
  
  Sincerely,
  
  Compliance Department

  Customer Answer

  Date: 08/13/2025

  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.
  
  I want it known/for the record, RRS called more than just my work. They called my brother, mother, and daughter. Those are the people that I am aware of - there could be more. And with regards to my work, they stated that it was a number I provided??!? It wasn't. They searched online or somewhere else for it. If I would have actually provided my work number, I would have given my actual personal work line. They called the front desk at my place of employment - only a number that can be found online. Also they noted that they will only call the two numbers they have on file, which is mine and my daughters (what happened to only having my number and my work number??). My daughter has nothing to do with this. And I have never given her number out to anyone. They need to regress and only call ME on this matter and nobody else. I tried called RRS today - received a voice message that the ENTIRE office is out all day and won't be back until 8:30am tomorrow morning. I called to request they stop taking any payments from me until a balance is confirmed/agreed upon and also a new payment plan agreed upon. My next payment is supposed to come out this Friday 8/15 in which now I feel they are going to come back and say "sorry - too late, we can't stop it". Not my fault they have no backup for their customers when they are out. I am hoping they get my phone and email message so that they halt all payments until we talk further.
  
  Regards,
  **** *****

  Business Response

  Date: 08/14/2025

  Dear Sir/Madam,Ms. ***** did list her employment name and number on the loan application for contact.  As far as relatives being contacted they are numbers provided using a database and there is a very strict message that can be left in accordance to Regulation F and the FDCPA.  No information has ever been given to any third parties pertaining to this matter.  As far as ***** her daughter, that number was given on a recorded line by Ms. ***** herself, asking us to use that number as secondary contact number along with her cell phone as a primary number.  We also received an email from her asking us to take payments off file and we have already done so.  We let her know all payments have been taken off file and the account has been moved into a refusal to pay status and she was also given our Office managers information for contact should she wish to call the office and speak to us.  As far as us being closed yesterday we had a scheduled training for our office that we must complete regularly to stay compliant with all FDCPA trainings.  I apologize this was an inconvenience and we immediately responded to her email after our normal business hours yesterday to inform her the payments were taken off.  Sincerely,Compliance

• Initial Complaint

  Date:07/25/2025

  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.

  Some at this company continues to contact me and my family after confirming my location and requesting a debt validation letter be mailed to me. This is a violation of the FDCPA. Please hey attempted to email something but it was a validation.

  Business Response

  Date: 07/25/2025

  Dear Sir/Madam,
  
  We received a delinquent Lend you Cash/Galt Credit account
  in our office on July 7th, 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 July 22nd, 2025, we
  attempted to reach out to Ms. **** on the phone.  She called our office back and stated she
  wanted all numbers removed and to have a validation of debt mailed to her.  We put the request in and let her know as soon
  as received we will send that out.  I
  have now also moved her account into Cease & Desist, since Ms. **** doesn’t
  want any further contact.  Upon receiving
  the documentation, if she would like to handle the delinquent balance she can
  do so on our online portal by logging in or call our office and ask for Madison
  at extension 106, she is our Office Manager.
  
  Sincerely,
  
  Compliance Department

• 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.