Business Profile

Billing Services

RS Clark & Associates, Inc.

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Complaints

This profile includes complaints for RS Clark & Associates, Inc.'s headquarters and its corporate-owned locations. To view all corporate locations, see

Customer Complaints Summary

56 total complaints in the last 3 years.
18 complaints closed in the last 12 months.

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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:05/22/2024

Type:Billing Issues

Status:

Answered

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.

Accounts Affected by the Crime Account Number: **************** 5/2024 Other ********************** or RS CLARK & ASSOCIATE Organization: original creditor:APPLIANCE WAREHOUSE Date fraud began: Date that I discovered it:Total fraudulent amount: $ 2330 ******************************************************* Page 1 of 2 ************************** 5/22/24, 9:45 AM Company or Organization:Account Number:5/2024 TDRCS RAYMOUR AND FLANIG ********** 4/2021 Date fraud began: Date that I discovered it:Total fraudulent amount: $ 3713 Fraudulent Information on Credit Reports Accounts or Charges Personal Information Credit Inquiries Yes, fraudulent accounts or charges appear on my credit report Addresses: *************************************************************** CAP ONE NA DT CREDIT

Business Response

Date: 05/23/2024

RS Clark and Associates, **** will not discuss any account matters on public forums. Please address these types of inquiries, in the future, to us directly via mail: ********************************** or through the ************************************ secure website portal @www.consumerfinance.gov/complaint/

Customer Answer

Date: 07/30/2024

***************** Personal Statement First Name: Last Name: Address: Phone: Email: ****************************************************************************************************** ************ Accounts Affected by the Crime Account Number: **************** 5/2024 **************************** or RS CLARK & ASSOCIATE Organization: original creditor: APPLIANCE WAREHOUSE Date fraud began: Date that I discovered it: Total fraudulent amount: $ 2330 ******************************************************* Page 1 of 2 ************************** 5/22/24, 9:45 AM Company or Organization: Account Number: 5/2024 TDRCS RAYMOUR AND FLANIG ********** 4/2021 Date fraud began: Date that I discovered it: Total fraudulent amount: $ 3713 Fraudulent Information on Credit Reports Accounts or Charges Personal Information Credit Inquiries Yes, fraudulent accounts or charges appear on my credit report Addresses: *******************************************************************************************************************

Business Response

Date: 08/08/2024

Initial Complaint
Date:05/03/2024
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.
Received voicemail from company then they called a relative thinking they had the correct person. There are 27 people in ** with my name and they are calling the wrong one only to harass me and my family for a matter that is not mine!
Business Response
Date: 05/07/2024
RS Clark and Associates, **** will not discuss any account matters on public forums. Please address these types of inquiries, in the future, to us directly via mail: ********************************** or through the ************************************ secure website portal @www.consumerfinance.gov/complaint/
Customer Answer
Date: 05/07/2024
I am rejecting this response because: The reasoning is vague and I was not the intended recipient. I want my information removed
Business Response
Date: 05/07/2024
RS Clark and Associates, **** will not discuss any account matters on public forums. Please address these types of inquiries, in the future, to us directly via mail: ********************************** or through the ************************************ secure website portal @www.consumerfinance.gov/complaint/
Initial Complaint
Date:03/29/2024
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 identity has been compromised after I had learned these past few weeks from my credit report that someone has been using and changing my information eg address to multiple different addresses, accounts and inquiries were fraudulently opened. I have contacted the creditors to make them aware of this. All of them are requesting that I fill out a full Packet to show cause in order for them to cease reporting to my credit due to this identity theft. I also found this account that I believe not mine:Acct name: RS ********************** ASC (Original Creditor: 01 APPLIANCE WAREHOUSE)acct no. RS ********************** ASC (Original Creditor: 01 APPLIANCE WAREHOUSE)40065001116****date opened 11/08/2019 balance $0.00 I am not liable for this debt and I do not have a contract with:Company: RS CLARK & ASSOCIATES Address: **************************************** Tel No: ************** Police Report and FTC Affidavit are attached with this complaint together with dispute letter sent to the bureaus and the authorization for release of information. I also filed complaints thru CFPB. Please delete this account from my credit report at once. Any questions or concerns I can be reached at ************************************************ and email at DeMarcus.*************@gmail.com.I need a response from the company.
Business Response
Date: 04/04/2024
RS Clark and Associates, **** will not discuss any account matters on public forums. Please address these types of inquiries, in the future, to us directly via mail: ********************************** or through the ************************************ secure website portal @www.consumerfinance.gov/complaint/
Customer Answer
Date: 04/13/2024
Creditor mentioned " RS Clark and Associates, **** will not discuss any account matters on public forums. Please address these types of inquiries, in the future, to us directly via mail: ********************************** or through the ************************************ secure website portal @ www.consumerfinance.gov/complaint/"

I have filed with CFPB
The confirmation numbers are below:
ID FOR COMPLAINT SENT TO EQUIFAX 240327-13752168
ID FOR COMPLAINT SENT TO EXPERIAN 240327-13752186
ID FOR COMPLAINT SENT TO TRANSUNION 240327-13752185

I have also sent my response via mail the tracking number is 9214 8901 4298 0401 2560 14
Business Response
Date: 04/15/2024
As previously stated, RS Clark and Associates, **** will not discuss any account matters on public forums. To ensure privacy, responses will be made directly through CFPB or directly to the consumer.

Customer Answer
Date: 04/20/2024
I am rejecting this response because:
CREDITOR MENTIONED "RS Clark and Associates, **** will not discuss any account matters on public forums. To ensure privacy, responses will be made directly through CFPB" BUT THEY HAVE NOT RESPONDED TO ME CFPB COMPLAINT EITHER THT WAS MADE ON 3/27/24 COMPLAINT NUMBERS EQUIFAX 240327-13752168, EXPERIAN 240327-13752186, and TRANSUNION 240327-13752185
CREDITOR IS STILL VIOLATING MY CONSUMER RIGHTS BY NOT RESPONDING TO MY COMPLAINTS WHEN CONTACTING THEM DIRECTLY, VIA THE BUREAUS AND NOW BBB.
Initial Complaint
Date:03/17/2024
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'm not liable for this debt with *********************. I do not have a contract with RS Clark & associates. They did not provide me with the original contract as requested
Customer Answer
Date: 03/19/2024
I am not responsible for the debt with ********************* they had me move out so therefore any amount owed should not be for me to pay. And I was not aware of this information
Business Response
Date: 03/20/2024
RS Clark and Associates, **** will not discuss any *************** on public forums. Please address these types of inquiries, in the future, to us directly via mail: PO BOX *****, ****** ** 75238-0062 or through the ************************************ secure website portal @www.consumerfinance.gov/complaint/
Customer Answer
Date: 03/20/2024
I am rejecting this response because:
Business Response
Date: 03/21/2024
RS Clark and Associates, **** will not discuss any *************** on public forums. Please address these types of inquiries, in the future, to us directly via mail: PO BOX *****, ****** ** 75238-0062 or through the ************************************ secure website portal @www.consumerfinance.gov/complaint/
Initial Complaint
Date:03/16/2024
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 noticed that some of my mail were not coming to my address anymore. Also, I discovered last few weeks ago upon reviewing my credit report that there are accounts there that are not mine, tons of unknown addresses that I never resided, inquiries that I never authorized and a variation of my name such as ********************. I have contacted the creditors to make them aware of this. I also found this account that I believe not mine:Acct name: RS ********************** ASC (Original Creditor: 01 APPLIANCE WAREHOUSE)acct no. ***************date opened 07/10/2020 balance $282.00 I am not liable for this debt and I do not have a contract with:Company: RS CLARK & ASSOCIATES Address: ************************************************ Tel No: ************** Police Report and FTC Affidavit are attached with this complaint together with dispute letter sent to *********** and the authorization for release of information. I also filed complaints thru CFPB. Please delete this account from my credit report at once. Any questions or concerns I can be reached at *********************************************************************************************** and email at [email protected] need a response from the company.
Business Response
Date: 03/19/2024
RS Clark and Associates, **** will not discuss any *************** on public forums. Please address these types of inquiries, in the future, to us directly via mail: PO BOX *****, ****** ** 75238-0062 or through the ************************************ secure website portal @www.consumerfinance.gov/complaint/
Initial Complaint
Date:03/13/2024
Type:Sales and Advertising 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 HAS NEVER ACTUALLY PROVIDED A CONTRACT ((((((WITH MY SIGNATURE))))) STATING THAT I'VE EVER DONE BUSINESS WITH ((((RS CLARK AND ASSOCIATES.)))))) I HAVE BEEN DISPUTING FOR YEARS THAT THIS IS NOT MY DEBT AND I DO NOT OWE RS CLARK AND ASSOCIATES. THEY HAVE NOT SENT ANY DOCUMENTATION STATING THAT I OWE $120 PERSONALLY AND I REQUEST THEY REMOVE THIS FILE AND **** AS FRIVOLOUS HARASSMENT AND DAMAGING TO MY CREDIT REPORT. IF THEY WILL NOT SEND ANY CONTRACT WITH MY SIGNATURE STATING THAT I'VE DONE BUSINESS WITH THIS COMPANY AND OWE THIS AMOUNT, AND REASON WHY I OWE $120 TO RS CLARK AND ASSOCIATES PLEASE REMOVE THIS ACCOUNT FROM MY CREDIT IMMEDIATELY. RESPONSE AS PER COMPLAINT 240227-13436374 ON CFPB STATUE OF DEBT LIMITATIONS IS 3 YEARS IN ************* IT IS CURRENTLY OUTDATED. WHEN ADDRESSING ABOUT THIS ISSUE THEY TRY TO CLOSE OUT MY COMPLAINT AND **** IT AS A DUPLICATE INSTEAD OF ADDRESSING AND CORRECTING THE ISSUE.False information is illegal and is damaging to my report. You failing to remove erroneous reporting from my profile is not legal and not fair according to the **** section 605a Your company claims to have already reviewed but you are falsely reporting information. ATTACHED is **** which clear violation of 604 [ 1681b] , 605 [ 1681c], 617. Civil liability for negligent noncompliance [15 U.S.C. 1681o], 618. Jurisdiction of courts; limitation of actions [15 U.S.C. 1681p], 1692B, 621. Administrative enforcement [15 U.S.C. 1681s], [15 U.S.C. 41 et seq.] , [15 U.S.C. 45(a)], [15 U.S.C. 45(b)], n such action, such person shall be liable for a civil penalty of not more than $2,500 per violation. 623(a)(1) [ 1681s-2], damages for which the person would, be liable to such residents as a result of the violation; or (iii) damages of not more than $1,000 for each willful or negligent violation; and (C) in the case of any successful action shall be awarded the costs of the action and reasonable attorney fees as determined by the court.
Business Response
Date: 03/13/2024
RS Clark and Associates, **** will not discuss any *************** on public forums. Please address these types of inquiries, in the future, to us directly via mail: PO BOX *****, ****** ** 75238-0062 or through the ************************************ secure website portal @www.consumerfinance.gov/complaint/
Customer Answer
Date: 03/13/2024
I am rejecting this response because: This is not doing anything about my request, and I demand documented action in accordance to my requests and method of pursuing while resolving this matter. Please advise immediately.
Business Response
Date: 03/13/2024
RS Clark and Associates, **** will not discuss any *************** on public forums. Please address these types of inquiries, in the future, to us directly via mail: PO BOX *****, ****** ** 75238-0062 or through the ************************************ secure website portal @www.consumerfinance.gov/complaint/
Initial Complaint
Date:03/08/2024
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 never had RS CLARK ASSOCIATES as a creditor. Per my research RS CLARK ASSOCIATES is a debt collector falsely attempting to collect a debt that isn't there's. I have requested that RS CLARK ASSOCIATES provide proof of alleged items. I request to be provided with specifically the original application, contract, note, or another instrument bearing my signature with RS CLARK ASSOCIATES In addition please provide the contract signed between RS CLARK ASSOCIATES notarized and sworn under penalty and perjury for RS CLARK ASSOCIATES ability to collect this alleged debt. I request this under 15 U.S. Code 1692g - Validation of debts. If information is not provided or the false reporting isnt removed; as in Wenger ** ****************** No. 95-6445 (C.D.Cal. No** 14,1995), you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 100% accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be reinvestigated. I further remind you that, as in White ** Experian Information Solutions, 993 F. Supp. 2d 1154 - Dist. Court, (CD California 2014); you may be liable for violating the Fair Credit Reporting Act (FCRA) by recklessly failing to follow reasonable procedures to ensure the accurate reporting of debts discharged in bankruptcy and by refusing to adequately investigate consumer disputes regarding the status of discharged accounts. Please send all validating records through the BBB and certified mail to my address. I have uploaded a copy of my ID showing my mailing address.
Business Response
Date: 03/13/2024
RS Clark and Associates, **** will not discuss any *************** on public forums. Please address these types of inquiries, in the future, to us directly via mail: PO BOX *****, ****** ** 75238-0062 or through the ************************************ secure website portal @www.consumerfinance.gov/complaint/
Initial Complaint
Date:12/12/2023
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.
There charges were forced on to me by a company (Appliance Warehouse) throughout the year 2023, without providing functional washer and dryer.In the past 18 months, I have been making payments to them without fail. The business committed to provide me a washer and dryer which are in working condition.But when I raised a complaint about washing machine not working in Feb 2023, they replaced it with another non-functional one in April 2023, but they charged for the entire duration. I called back several time asking to replace but they neven responded to me, finally they picked their non working washer and dryer in July 2023 or early Aug 2023. But they illegally charged me for 5 months when the washer and dryer are sitting in a non-functional state. They continue to threaten me that my case will be handed over to collection, without discussing the issue of illegally charging my account and forcing me to pay.I do not have any other kind of service agreement with appliance warehouse where I agreed to pay for non-functional equipment.I want to fight these cowards including the collection company (RS CLARK and Associates), which did not attempt to solve the issue, whose sole aim to report to collections for which I don't give a **** about either of those two companies. If you look at my payments history, it's been prompt everytime, why will i take so much pain for just $300, I don't want these idiots to win by doing these illegal practices.
Business Response
Date: 12/21/2023
RS Clark and Associates, **** will not discuss any *************** on public forums. Please address these types of inquiries, in the future, to ** directly via mail: PO BOX *****, ****** ** 75238-0062 or through the ************************************ secure website portal @www.consumerfinance.gov/complaint/
Initial Complaint
Date:11/17/2023
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 not liable for this alleged debt or account. I don't have any contract with this collection agency "RS Clark & Associates, ***** I have previously requested proof and documentation bearing my signature. I never had any business nor applied for an extension of credit with this company.As per FTC guidelines reporting this account in my consumer credit report is a collection activity. therefore, you are in violation under 18 U.S. Code 894 - Collection of extensions of credit Under (a)Whoever knowingly participates in any way, or conspires to do so, in the use of any extortionate means (1)to collect or attempt to collect any extension of credit, or (2)to punish any person for the non-repayment thereof, shall be fined under this title or imprisoned not more than 20 years, or both. Your continued derogatory reporting of this alleged account in my credit report is a form of punishment and hurts my chances of improving my living situation.CORRECT THIS REPORTING IMMEDIATELY. DELETE this account from my credit report.
Business Response
Date: 11/17/2023
RS Clark and Associates, **** will not discuss any *************** on public forums. Please address these types of inquiries, in the future, to ** directly via mail: PO BOX *****, ****** ** 75238-0062 or through the ************************************ secure website portal @www.consumerfinance.gov/complaint/
Customer Answer
Date: 11/17/2023
I am rejecting this response because:
I disagree. This platform is provided to us, as a consumer by law. I have disputed this account with the credit reporting agencies and requested that you provide authenticated documentation of the contract with your company name on it with my signature. I never applied to any extension of credit with your company. under 15 U.S. Code ****j - Furnishing certain deceptive forms and Under 18 U.S. Code 894 - Collection of extensions of credit by
by extortionate. FTC guidelines reporting this invalidated alleged account in my consumer credit report is a form of collection activity. This is damaging my character. I am in the process of improving my living situation. DELETE ASAP!
Initial Complaint
Date:09/21/2023
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 not liable for this debt with Meadowcrest Cypress. I do not have a contract with RS Clark & Associates, they did not provide me with the original contract as I requested
Business Response
Date: 09/21/2023
RS Clark and Associates, **** will not discuss any *************** on public forums. Please address these types of inquiries, in the future, to ** directly via mail: PO BOX *****, ****** ** 75238-0062 or through the ************************************ secure website portal @www.consumerfinance.gov/complaint/

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RS Clark & Associates, Inc. is NOT a BBB Accredited Business.