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Business Profile

Collections Agencies

Reliant Capital Solutions, LLC

Important information

  • Customer Complaint:
    Consumers from across the United States have contacted BBB indicating the Reliant Capital Solutions' representatives falsely identify themselves as being from a government entity, such as the Attorney General's office. 



    Consumers are advised that it is a violation of the Fair Debt Collection Practices Act to falsely state that a complaint has been filed against a consumer, to fail to disclose that a communication is from a debt collector, to make a telephone call without meaningful disclosure of the caller's identity or to falsely state and/or imply that the caller is with the attorney general's office. 

     

    RCS has responded to some consumers indicating they would not be contacted by phone again, or the account was returned or that if the consumer would like the calls to stop they may send a letter asking them not to contact them by phone to the following address:




    Reliant Capital Solutions, LLC

    750 Cross Pointe Rd., Ste G

    Gahanna, OH 43230




    BBB has processed complaints from consumers living in the following states: AL, AR, AZ, CA, CO, FL, GA, ID, IL, IN, KY, MS, NC, NE, NM, NY, OH, PA, RI, SD, TN, TX, and VA. 

Complaints

This profile includes complaints for Reliant Capital Solutions, LLC's headquarters and its corporate-owned locations. To view all corporate locations, see

Find a Location

Reliant Capital Solutions, LLC has 2 locations, listed below.

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    Customer Complaints Summary

    • 80 total complaints in the last 3 years.
    • 30 complaints closed in the last 12 months.

    If you've experienced an issue

    Submit a Complaint

    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.

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    Complaint status

    Complaint type

    • Initial Complaint

      Date:06/24/2025

      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.

      Hello,

      I have a debt assigned to me that I have no relation to from Reliant Capital Solutions. I have never communicated with this company, I have never entered into any contract with this company, I have never received any proof of debt or contract from this company ever!

      This is drastically affecting my credit I went from hovering around 790 - 805 to now I stand at 690! This is destroying my ability to buy a home, invest, and all around live. My credit up to this point has been exceptional so this collection debt was a shock to me! I have decades of credit history showing that I take debt very seriously, but I MUST emphasize this debt is not mine! Please remove this from my credit within 30 days so I can get my life back.



      I am not sure if the BBB has the permissions to look at past credit history, but I would recommend looking into mine if possible! This collection is completely out of the blue and an even stranger phenomenon is how do I have a collection on a supposed service or contract I supposedly engaged with, but my credit report shows no late payments EVER! None of this makes sense. Please assist.


      I 1st became aware of this debt when I got the notification that my credit score changed due to the collection.

       

      Business Response

      Date: 07/01/2025

      Please accept this response as an acknowledgement for the
      receipt of the correspondence Reliant Capital Solutions, LLC (aka. Reliant) has
      received from the Better Business Bureau.  Reliant has attached a response to the
      complaint.  If the consumer has
      additional questions or concerns that require further assistance, please
      contact Reliant directly at [email protected].

       

      ****** *********
      **** ******* ****** **
      ******** ** *****


      Mr. *********,


      Reliant Capital Solutions, LLC (Reliant) has reviewed the complaint you filed with the Better Business
      Bureau regarding your delinquent account placed with our office for collection by ******* *********
      **********.

      You state you have no relation with, never communicated, with, nor signed a contract with
      Reliant. You also state you never received any proof of debt or contract and that this is drastically affecting
      your credit. You request Reliant stop all collections efforts until the debt is validated.


      Reliant has suspended further collection activity to investigate your dispute. In compliance with the Fair
      Credit Reporting Act, Reliant has also notified the credit reporting agencies that you dispute this account
      in compliance with the Fair Credit Reporting Act.


      Upon review, the ********** placed your delinquent account with Reliant for collections on March 10, 2025.
      Reliant received your dispute filed with the credit reporting agencies stating you believe this account
      belongs to the ********** ** ******** ******* ****. Reliant requested supporting documentation from the
      ********** and on May 30, 2025 mailed to your address. Reliant has enclosed a copy for your records. The
      ********** confirmed that the ** funds did post to your student account; however the funds were prorated
      based on the amount of time you were enrolled. The ********** was required to return $1,164.12 to the **.
      You were withdrawn due to inactivity. ********** records indicate you were enrolled from March 19, 2024
      through June 28, 2024 with a last date of academic activity of May 29, 2024 that equals 49% term
      enrollment and complete zero credit units. The ********** had to prorate the term based on the 49% term
      enrollment and return funds to the ** that you were not eligible to receive. If additional information is
      required, please email ***********


      Should you have additional questions or concerns, please contact us directly at **************************


      Sincerely,
      Compliance Department
      Reliant Capital Solutions, LLC
      Enclosure

      Customer Answer

      Date: 07/12/2025

      In the response the business states "The
      ********** confirmed that the ** funds did post to your student account; however, the funds were prorated
      based on the amount of time you were enrolled. The ********** was required to return $1,164.12 to the **." 

      The ********** NEVER billed me for the $1,164.12 I just randomly received a debt collection on my credit. There was no email, no letter, no phone call of any kind to inform me of a bill! The ** billed me for 1,164.12 and I paid it without any issues as the difference here is I received something tangible in the mail that informed me of a bill. 

      I want to emphasize again neither the ********** nor reliant capital solutions made any attempt to contact me to inform me of a bill that needed to be paid. I hope my credit history can prove that to be true, if there was a bill brought to my attention through any normal means like email, letter, or phone I WOULD have paid it but there was no such attempt made the entities just went straight to collections! Which is why I am once again saying this debt is not mine, as I was never formally billed, there was no late payments, no agreements made or any communications the entities just simply placed a debt on my account.

      I am still waiting on the business to contact me directly.... but I do not want the debt suspended it needs to be completely REMOVED.



      Regards,



      ****** ********* ***

      Business Response

      Date: 07/29/2025

      Harold *********
      2502 Shepard School Rd
      Zebulon, NC 27597


      Re: Western Governors University


      Mr. *********,


      Reliant Capital Solutions, LLC (Reliant) has reviewed the complaint you filed with the Better Business
      Bureau regarding your delinquent account placed with our office for collection by Western Governors
      University. You state you have no relation with, never communicated, with, nor signed a contract with
      Reliant. You also state you never received any proof of debt or contract and that this is drastically affecting
      your credit. You request Reliant stop all collections efforts until the debt is validated.


      Reliant has suspended further collection activity to investigate your dispute. In compliance with the Fair
      Credit Reporting Act, Reliant has also notified the credit reporting agencies that you dispute this account
      in compliance with the Fair Credit Reporting Act.


      Upon review, the ********** placed your delinquent account with Reliant for collections on March 10, 2025.
      Reliant received your dispute filed with the credit reporting agencies stating you believe this account
      belongs to the ********** ** ******** ******* (**). Reliant requested supporting documentation from the
      ********** and on May 30, 2025 mailed to your address. Reliant has enclosed a copy for your records. The
      ********** confirmed that the ** funds did post to your student account; however the funds were prorated
      based on the amount of time you were enrolled. The ********** was required to return $1,164.12 to the **.
      You were withdrawn due to inactivity. ********** records indicate you were enrolled from March 19, 2024
      through June 28, 2024 with a last date of academic activity of May 29, 2024 that equals 49% term
      enrollment and complete zero credit units. The ********** had to prorate the term based on the 49% term
      enrollment and return funds to the ** that you were not eligible to receive. If additional information is
      required, please email ***********


      Should you have additional questions or concerns, please contact us directly at *************************.


      Sincerely,
      Compliance Department
      Reliant Capital Solutions, LLC
      Enclosure

      Customer Answer

      Date: 07/29/2025

      I accept the business's response to resolve this complaint.



      Regards,



      ****** ********* ***
    • Initial Complaint

      Date:06/10/2025

      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 honestly don’t get why RELIANT CAPITAL SOLUTI is reporting this debt under my name because I don’t owe them anything. I never signed anything with them, and when I asked for a copy of the original application, they didn’t even bother to provide it. It’s frustrating because this is hurting my credit for no reason, and it’s just not fair. How can they just put something on my report without any proof?


      Account No: ****  Amount Disputed: $1173

      Business Response

      Date: 06/12/2025

      *****************
      Ms. *******,


      Reliant Capital Solutions, LLC (Reliant) has reviewed the complaint you filed with the Better Business
      Bureau regarding your delinquent account placed with our office for collection by ********* ******* **
      ********* ******.

      You state you do not know why Reliant is reporting this debt under your name because
      you do not owe nor have you ever signed anything with Reliant. You also state when you asked for a copy
      of the original application Reliant did not provide. You want this account removed from your credit report
      if Reliant is unable to prove this debt is yours.


      Upon review, ********* ******* ** ********* ****** placed your delinquent account in our office for
      collections on October 11, 2023. Records indicate on October 16, 2023 a validation notice mailed to your
      address on file, which was not returned as undeliverable. On November 12, 2024, Reliant received a dispute
      you filed with the credit reporting agencies and updated its records accordingly, including notifying the
      credit reporting agencies the account was being disputed. Reliant requested supporting documentation from
      the ******* and on November 15, 2024, the documentation was mailed to your address on file, which was
      not returned as undeliverable. A copy of the documentation and the validation notice are enclosed for your
      records.


      As for credit reporting, in compliance with the Fair Credit Reporting Act, Reliant notified the credit
      reporting agencies this account is being disputed while the matter is being investigated.


      Should you have additional questions or concerns, please contact at **************************


      Sincerely,
      Compliance Department
      Reliant Capital Solutions, LLC
      Enclosures

    • Initial Complaint

      Date:06/04/2025

      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 submitting this complaint against Reliant Capital Solutions, LLC regarding a collection account that has negatively impacted my credit report and violated my rights as a consumer. In December 2024, I discovered that a collection account for $2,678 from Reliant Capital Solutions appeared on my credit report. This account pertains to my original creditor, ************ ***** **********. I was never provided with proper written notice about this debt before it was reported to the credit bureau, which goes against my rights under the Fair Debt Collection Practices Act (FDCPA). After discovering the account on my credit report, I disputed it with the credit bureau. While Reliant Capital Solutions marked the account as “disputed by consumer” and later provided some validation, this documentation should have been provided to me prior to the account being reported. Their failure to do so left me unable to verify the debt in a timely manner. This situation has caused me stress and confusion, and I believe it is essential for Reliant Capital Solutions to address these issues legally. They should have provided clear written documentation validating the debt, proof of assignment from ************ ***** **********, and followed the proper procedures outlined by the FDCPA and Fair Credit Reporting Act (FCRA). Due to these ongoing issues, I am requesting that Reliant Capital remove this collection account from my credit report because proper verification process was not followed. This is my complaint about the company and collection. I would like removal and proper verification to move forward. I am willing to come to resolution with payments also.

      Business Response

      Date: 06/10/2025

      Please accept this response as an acknowledgement for the
      receipt of the correspondence Reliant Capital Solutions, LLC (aka. Reliant) has
      received from the Better Business Bureau.  Reliant has attached a response to the
      complaint.  If the consumer has
      additional questions or concerns that require further assistance, please
      contact Reliant directly at **************************

      Ms. ******,

      Reliant Capital Solutions, LLC (Reliant) has reviewed the complaint you filed with Better Business Bureau
      regarding your delinquent account placed with our office for collection by ************ ***** **********.
      You state in December 2024, you discovered a collection account for $2,678 from Reliant Capital Solutions
      on your credit report, however you were never provided a proper written notice about this debt before it
      was reported to the credit bureau. You also state that you disputed the debt with the credit bureau, Reliant
      marked your account as disputed and provided some validation, but the documentation should have been
      provided to you prior to your account being reported, causing stress and confusion. You are requesting
      Reliant remove this collection account from your report because proper verification process was not
      followed and you are willing to come to a resolution with payment.

      Upon review, your account was placed in our office on November 10, 2024. Records indicate on November
      11, 2024 a validation notice mailed to your address on file, which was not returned as undeliverable. A copy
      of this notice is enclosed for your records. Records indicate Reliant received the dispute you filed with the
      credit reporting agencies on January 28, 2025 and provided the supporting documentation on January 30,
      2025, February 10, 2025, March 19, 2025, March 24, 2025 and lastly May 15, 2025.

      Reliant, in compliance with the Fair Debt Collection Practices Act provided you with the required validation
      notice, advising of your right to dispute as well as providing you supporting documentation upon receipt of
      your dispute. In addition, Reliant complied with the Fair Credit Reporting Act by notifying the credit
      reporting agencies that this account was being disputed.


      Should you have additional questions or concerns, please contact Reliant directly at complaint@reliant-
      cap.com.


      Sincerely,


      Compliance Department
      Reliant Capital Solutions, LLC

    • Initial Complaint

      Date:05/23/2025

      Type:Customer Service 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.
      This company calls day in and day out beginning as early as as 8:00 AM central until whenever they close nonstop! They call from multiple number even after I speak with them and tell them what I have to say they continue to call. I'm assuming this is a debt collecting company but if they have any legitimate legal issues with me, they can send a letter or file something with the court

      Business Response

      Date: 05/30/2025

      Please accept this response as an acknowledgement for the receipt of the correspondence Reliant Capital Solutions, LLC (aka. Reliant) has received from the Better Business Bureau.  Reliant has attached a response to the complaint.  If the consumer has additional questions or concerns that require further assistance, please contact Reliant directly at ******************************************************************.

      May 30, 2025


      ******* ********
      TN 38103
      Re: ***********************


      Ms. ********,


      Reliant Capital Solutions, LLC (Reliant) has reviewed the complaint you filed with Better Business Bureau
      regarding your delinquent account placed with our office for collection by ***********************. You
      state Reliant calls you day in and day out beginning as early as 8:00 am Central until they close nonstop.
      You state Reliant calls from multiple numbers even after you speak with and inform Reliant what you have
      to say. You assume Reliant is a debt collection company and if there is any legitimate issues with you to
      send a letter of file something in court. You request Reliant stop all contact.


      Upon review, the University placed your delinquent account with ******************** on June 5, 2024. Records indicate
      on June 6, 2024, Reliant mailed a validation notice to your address on file, which was not returned as
      undeliverable. A copy is enclosed for your records. In addition, the University provided the enclosed
      documentation regarding this account.


      Per your request, Reliant has suspended all collection activity on your account and will no longer attempt
      to contact you regarding this matter.


      Sincerely,
      Compliance Department
      Reliant Capital Solutions, LLC
      Enclosures


    • Initial Complaint

      Date:04/22/2025

      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.
      On several occasions now I have received calls on my work phone from a number with the caller Id as my job, and the first time I missed the call and I called back, the call went to the NY branch of my job. When asked what the reason for the call, they were not sure as they never contacted me. So today (4/22/2025), I received a call from the same number with my jobs name as the caller ID, and when I answered it was not my job but Reliant Capital Solutions. They called me under false pretense and not only did they call me during my work hours but were very aggressive when speaking to me.

      Business Response

      Date: 04/25/2025

      Please accept this response as an
      acknowledgement for the receipt of the correspondence Reliant Capital
      Solutions, LLC (aka. Reliant) has received from the Better Business Bureau.  Reliant has attached a response to the
      complaint.  If the consumer has additional questions or
      concerns that require further assistance, please contact Reliant directly at *************************

      Customer Answer

      Date: 05/01/2025

      From: 'Sabitha Joseph' via Dispute Resolution - Shared Inbox <[email protected]>
      Date: Thu, May 1, 2025 at 3:54 PM
      Subject: 76203439A9844 - Capital Reliant Solutions
      To: <[email protected]>




      Good afternoon,
      My name is ******* ****** and I am following up on the case mentioned above. First of, thank you for taking the time to read my complaint and reach out to the business on my behalf. I have read the response from the business and as of today, they have yet to follow up with me. I never received any sort of contact from the business, which is why I never responded to Better Business Bureau.

    • Initial Complaint

      Date:04/16/2025

      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.

      February ******* was approached by reliant financial. They said I owed check and go. Couldnt remember having debt with them do remember check into cash and I paid them. Payment schedule was set. The representative I spoke with was not very nice, rude even. Kept putting me on hold. Payment schedule started in march. First ****** dollars taken out. Before April 5th was victim of fraud with my bank card had to have them changed twice. Did try calling them from phone numbers that they called me from. First number was non-allocated. Second tried a reverse lookup. And not even listed.

      Was called back practically demanded that I give new account number thru my bank. Told them know. I did call reliant financial they never even heard of me. This second call they said was from reliant mediation..she was argumentative. Tried to explain even though they took money from my account. I wanted proof of this debt. So I hung up on them.

      They actually had called me back, I dont wish to get into another discussion. I do have the message that she had left on my phone. Sorry didnt wish to become a victim again. And being bullied by bill collectors.

      Business Response

      Date: 04/17/2025

      Good morning. We believe this complaint is against Reliant Financial, not Reliant Capital Solutions, LLC. Reliant Capital Solutions, LLC does not collect on behalf of *********** nor can we locate this consumer in our database. 

      Customer Answer

      Date: 04/17/2025

      [A default letter is provided here which indicates your acceptance of  response.  If you wish, you may update it before sending it.]
      I accept this . I should have submitted this against reliant financial. But I contacted them they havent heard of me, so I dont know whats going on. Does reliant financial have office in the state of ****. I know they have one in ********. Just going to have to look it up.
      Better Business Bureau:

      I accept the business's response to resolve this complaint.

      Regards,

      ***** ******
    • Initial Complaint

      Date:04/10/2025

      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 stopped attending school in december of 2021. I never took out any more loans only loans I can account for are my loans from ******. I never opened any accounts from 2022.

      Business Response

      Date: 04/15/2025

      Please accept this response as an acknowledgement for the receipt of the correspondence Reliant Capital Solutions, LLC (aka. Reliant) has received from the Better Business Bureau.  Reliant has attached a response to the complaint.  If the consumer has additional questions or concerns that require further assistance, please contact Reliant directly at ******************************************************************.
    • Initial Complaint

      Date:04/09/2025

      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 receieved a credit report from Experian with Reliant Capital Solution reporting me to the credit bureau about a debt I was not aware of. The email said that is is about my Robinhood account for $900+.I contactated ********* regarding their affiliation with the said company and have not received any response. Reliant Capital Solution did not send me any information VERIFYING that they are a third party collection agency whatsover as well. On their email they just said to call them. Why will I call a company that doesn't provide PROOF in writing who they are and reviews in the net is sooo bad with most saying they are scams?Now my credit score was severly impacted when all my financial obligations are always being paid on time?

      Business Response

      Date: 04/15/2025

      Please accept this response as an acknowledgement for the receipt of the correspondence Reliant Capital Solutions, LLC (aka. Reliant) has received from the Better Business Bureau.  Reliant has attached a response to the complaint.  If the consumer has additional questions or concerns that require further assistance, please contact Reliant directly at ******************************************************************.
    • Initial Complaint

      Date:04/02/2025

      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 honestly don’t get why RELIANT CAP is reporting this debt under my name because I don’t owe them anything. I never signed anything with them, and when I asked for a copy of the original application, they didn’t even bother to provide it. It’s frustrating because this is hurting my credit for no reason, and it’s just not fair. How can they just put something on my report without any proof?

      Account No: ********  Amount Disputed: $6859

      Business Response

      Date: 04/08/2025

      Please accept this response as an acknowledgement for the
      receipt of the correspondence Reliant Capital Solutions, LLC (aka. Reliant) has
      received from the Better Business Bureau.  Reliant has attached a response to the
      complaint.  If the consumer has
      additional questions or concerns that require further assistance, please
      contact Reliant directly at **************************

       

      **** *****
      **** *** ***** ***
      ******** ** *****
      *** ********* ********** ******


      Ms. *****,


      Reliant Capital Solutions, LLC (Reliant) has reviewed the complaint you filed with the Better Business
      Bureau regarding your delinquent account placed with Reliant for collections by ********* **********
      ******. You state you do not understand why Reliant is reporting this debt to under your name because you
      do not owe Reliant anything. You also state you never signed anything with Reliant, and when asked for a
      copy of the original application Reliant did not provide it. You want this debt removed from your credit as
      this is seriously affecting you.


      Upon review, ********* ********** ****** placed your delinquent account with Reliant on October 29,
      2024. Records indicate Reliant mailed a validation notice on July 1, 2024. Records show on July 2,
      2024 Reliant mailed a validation notice to the same address as listed on the complaint and was not
      returned as undeliverable. A copy is enclosed for your records. Despite several contact attempts via calls
      and text, Reliant has not made contact with you. There are no records of you requesting an application.
      However, Reliant reached out to the University who provided a supporting documentation, which is also
      attached for your records.


      As for credit reporting, Reliant is authorized to report to credit agencies on behalf of ********* **********
      ****** and is not required to enter into an agreement with you prior to furnishing account information to
      the credit reporting agencies. However, in acknowledgment of your dispute and in compliance with the
      Fair Credit Reporting Act, Reliant has notified the credit reporting agencies that this account is being
      disputed.


      Should you have additional questions or concerns, please contact at ************************** We will
      be happy to assist.


      Sincerely,
      Compliance Department
      Reliant Capital Solutions, LLC
      Enclosures


    • Initial Complaint

      Date:03/27/2025

      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 honestly don’t get why RELIANT CAP is reporting this debt under my name because I don’t owe them anything. I never signed anything with them, and when I asked for a copy of the original application, they didn’t even bother to provide it. It’s frustrating because this is hurting my credit for no reason, and it’s just not fair. How can they just put something on my report without any proof?

      Account No: ****  Amount Disputed: $3550

      Business Response

      Date: 03/28/2025

      Please accept this response as an acknowledgement for the
      receipt of the correspondence Reliant Capital Solutions, LLC (aka. Reliant) has
      received from the Better Business Bureau.  Reliant has attached a response to the
      complaint.  If the consumer has
      additional questions or concerns that require further assistance, please
      contact Reliant directly at **************************

      March 28, 2025


      ******* *****
      **** ******** ****** *** *
      ********* ** *****


      Re: *********** *******


      Ms. *****,


      Reliant Capital Solutions, LLC (Reliant) has reviewed the complaint you filed with the Better Business
      Bureau regarding your delinquent account placed with Reliant for collections by *********** *******. You
      state you do not understand why Reliant is reporting this debt under your name because you do not owe
      them anything. You state you never signed anything with Reliant and when you asked for a copy of the
      original application it was not provided. You want this account removed from your credit report as it
      frustrating that your credit is being impacted for no reason and it is not fair.


      Upon review, *********** ******* placed your delinquent account with Reliant on October 29, 2024.
      Records indicate Reliant mailed a validation notice on October 30, 2024 to the same address as listed on
      the complaint and was not returned as undeliverable. A copy is enclosed for your records. On March 27,
      2025, phone records show you called Reliant and wanted to know what your repayment options were on
      this account as you want to return to school. Reliant provided your balance and you asked if the *******
      would accept a settlement. The representative checked and confirmed the ******* does not accept settlement
      offers, however stated Reliant would work with you to make a suitable payment arrangement. At this point
      in the conversation, you stated you would call the ******* and ended the call. Records do not indicate you
      have ever requested Reliant provide supporting documentation nor that you disputed this account.
      However, upon receipt of your complaint, Reliant has requested supporting documentation from the *******
      and will mail to you upon receipt.


      As for credit reporting, Reliant is authorized to report to credit agencies on behalf of *********** *******
      and is not required to enter into an agreement with you prior to furnishing account information to the credit
      reporting agencies. However, in acknowledgment of your dispute and in compliance with the Fair Credit
      Reporting Act, Reliant has notified the credit reporting agencies that this account is being disputed.
      Should you have additional questions or concerns, please contact at *************************. We will
      be happy to assist.


      Sincerely,
      Compliance Department
      Reliant Capital Solutions, LLC
      *********

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