Complaints

This profile includes complaints for RAB, Inc.'s headquarters and its corporate-owned locations. To view all corporate locations, see Find Local Branches.

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  RAB, Inc.

  4450 Sojourn Dr STE 300 Addison, TX 75001-5043

  
• 

  RAB, Inc.

  PO Box 2209 Addison, TX 75001-2209

  

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:06/03/2025

  Type:Product 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.

  was contacted by them and threatened for them to file a suit against me for another company who already clears the account due to one on the employee harassment and sexual harassment comments and now they want to come after me 5 years later

  

  Business Response

  Date: 06/20/2025

  This complaint should not be directed at our company. The complainant states they are seeking a refund or exchange, but there is nothing applicable that can be refunded or exchanged.

  Our clients account has not been settled and continues to reflect an outstanding balance. The complainant appears to be misinformed about the nature of the debt, claiming it is five years old when, in fact, it originated in 2023. Furthermore, our client is unaware of any incident that would support the sexual harassment allegations mentioned, and does not understand what those claims refer to.

  Given the circumstances, it appears the complainant may be using these allegations and complaints in an attempt to avoid repayment. We will be recommending that our client proceed with the appropriate steps to resolve this matter.

  Customer Answer

  Date: 06/20/2025

  I have sent the documents showing the company allowed ***** to harass me over and over again I send my bank info where because of the Fraud the company they are representing has done they cant even give me a statement or any documents 

  Customer Answer

  Date: 06/25/2025

  I have sent the documents showing the company allowed ***** to harass me over and over again I send my bank info where because of the Fraud the company they are representing has done they cant even give me a statement or any documents 

  

  Business Response

  Date: 07/07/2025

  The complainant did provide an email chain between herself and an individual named ***** from the clients office. However, there is no indication of harassment in any of the correspondence.
  As previously mentioned, the complainant appears to be filing complaints in an attempt to avoid addressing the outstanding balance. Our intention has always been to resolve the matter amicably.
  At this point, we will be closing the file on our end and advising our client that litigation may be the only remaining option to recover the balance owed.

• Initial Complaint

  Date:02/03/2025

  Type:Product 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.

  January, 03 2025 I recently disputed a merchant (Razor ridge) who were to provide set up lead CRM system to generate **************************** leads and run final expense ads to generate leads for life Insurance sales.Once set up it was mentioned in a zoom meeting there would be a pause on final expense ads being placed that I never had the opportunity to receive. I expressed my concerns because that was the only reason for purchasing the service, again they convinced me that everything would be alright. It was said by ******** Volcinschi on a Razor ridge Skool zoom meeting that the General leads produce Final expense leads, I said OKAY I will try it out and see. After more than a month I did not receive one final expense lead and none of the General life leads produce any final expense lead. The first of January ******** chatted the final expense leads were starting; I told him over a month has gone by without the Final expense leads that the salesperson ***** had promised and your advertisement on the website and ******** stated, and at this point I have no confidence any longer in your system and want out of your program. ******** sent several more chats saying it will be fine now that the final expense ads are starting to run. This time I continued to say I want out of the program. I stopped my chats and waited for a response but heard nothing else from ******** or *** in whom I expressed the same I want out. I then contacted ******** because I did not hear back from ***********. When I did go back to see if they had sent any messages, I was locked out and another $497 payment was billed to my ******** credit card that I had set up to have all the payments come out of. After the dispute and the smaller charges of $10 AND $27 WERE returned. I was notified by Razor ridge attorney (*** ****) saying I owed $11,000 for cancelling payments and were being charged $1500 for every returned payment. E

  

  Business Response

  Date: 02/04/2025

  This complaint is directed at the wrong company. RAB has no say in the balance owed and did not entire in to a contract with the complainant.  

• Initial Complaint

  Date:01/30/2025

  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.

  Company called our vendors, threatening them for collections and we did not agree upon this accounts being worked on just the older accounts, they demand are the checks to be collected by them, which we did not agree on and they are holding our money.

  

  Business Response

  Date: 02/04/2025

  The complainant is a client of ours.  It appears they are trying to cause complaints in an attempt to end our agreement.  They also filed other frivolous complaints against our company.  The complainant placed several accounts for collections. Three months of work later, they complainant claimed they never placed these accounts, they never signed a contract, the person that signed the contract didnt have the authority, and so on. All of these claims were proven wrong. We are currently trying to resolve this matter amicably with the client.

• Initial Complaint

  Date:08/29/2024

  Type:Service or Repair 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.

  Got spammed by this company in one day and after confirming with multiple healthcare providers in the last year all letting me know I have a 0 balance I am realizing they either have faulty information or got the wrong person.They are frustrating to deal with as nobody picks up the phone. I am sending a complaint to state and federal agencies about their practices.*Update: Found out the guy they're looking for isn't even from the same state and is 30 years older than me. This company doesn't do it's due diligence and spam calls people who have the same name. Terrible practices that should be audited.

  

  Business Response

  Date: 09/06/2024

  There was no spamming.  The complainant was called one time.  We were given wrong information from our client and once we noticed the error we deleted the contact information for the complainant.  The complainant will not be contacted again.

  Customer Answer

  Date: 09/06/2024

  I am rejecting this response because:  
  

  This company threatened me with litigation and said I needed to pay ASAP or there would be problems.
  

  They didnt do their due diligence on finding out if the information provided by their client was accurate and caused me to waste my time having to call credit bureaus and agencies to see if I had been hacked or identity stolen. 
  

  This claim should stay on their record as their methods to collect from inaccurate parties is well documented on ****** Reviews, Yelp, and Better Business Bureau. If I had not done my due diligence I couldve became a victim. 

   

  

  Business Response

  Date: 09/09/2024

  One phone call was made to this complainant.  There was a mistake and once it was realized, corrective steps were taken.  

• Initial Complaint

  Date:08/02/2024

  Type:Service or Repair 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 is a collections agency that has been contacting my company for almost 2 months now. I have communicated with them on numerous occasions both via email and over the phone and have disputed the debt. I have even provided a copy of a cleared check showing that the disputed invoices have been paid and they continue to ignore this rather compelling piece of evidence and simply continue to ask for the money. I have told them that until they credit the amount that I have demonstrably proven they should not contact me or my company any longer. However, they continue to do so. Finally, on August 1, 2024, someone from the collections agency called my company's corporate office purporting to be "******" from ******* and left a voicemail asking for information and a call back. I confirmed that the voicemail was left from the number of the collections agency as had previously been provided to me by one of their associates named ***************. I informed ************ of this fraudulent attempt to collect information and money and provided him a copy of the voicemail. Despite all of this, he continues to insist that my company owes money and that he will be advising his client to file suit. While receiving emails and calls from a collections agency is annoying, the blatant misrepresentation of one of their associates claiming to be from another reputable company is completely unacceptable behavior and must be stopped. I have a copy of the voicemail that I would be happy to share. It doesn't appear to be something I can upload to this form but I can email it to whomever you assign to this case. Thank you.

  

  Business Response

  Date: 09/09/2024

  The complainant did dispute the debt owed and we have had trouble getting a response from our client.  We have not contacted the complainant since early August and do not plan to do so unless the client provides proof that there is still a remaining balance.  As for the voicemail mentioned by the complainant, we do not show record of our collector making this call.  It is probably another company that left that message.  

• Initial Complaint

  Date:06/26/2024

  Type:Service or Repair 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.

  **** with RAB keeps calling and will not tell me what RAB is or what the call is regarding.

  

  Business Response

  Date: 07/12/2024

  **** from RAB called the complainant's company one time.  It was approximately a one minute phone call.  He never even spoke to the complainant.  The complaint also says this is regarding repair issues which is not true.  Remove from our records.

• Initial Complaint

  Date:04/24/2024

  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.

  I am writing to file a formal complaint against an entity that is impersonating a collection agency, operating in the states of Texas and **********. The entity in question has engaged in numerous unlawful and unethical practices that have raised serious concerns and infringed upon my rights as a consumer.Firstly, it has come to my attention that the collection agency in question is not registered in the state of Texas, which is a clear violation of the law. This unauthorized operation as a collection agency raises questions about the legitimacy and legality of their actions. I believe that this impersonation constitutes a serious offense under both civil and criminal codes.Secondly, the collection agency has attempted to collect an incorrect amount from me, which is a blatant violation of consumer protection laws. By providing inaccurate figures and amounts, they have misled and deceived me as a consumer. This practice is in direct violation of. (1)Furthermore, the collection agency has disregarded judicial limitations and regulations by making collection attempts as early as 6 AM in the state of **********. This aggressive and unlawful behavior is unacceptable and goes against the(2) that governs debt collection practices in the state.Lastly, the collection agency has violated my privacy rights by contacting my husband and daughter via email without my consent. This invasion of privacy is a serious breach of ethical standards and must be addressed promptly.In light of these egregious violations, I urge the Better Business Bureau to investigate the actions of this unauthorized collection agency and take appropriate measures to ensure that consumers are protected from such deceitful and unlawful practices.I appreciate your prompt attention to this matter and look forward to your response.Sincerely,********************************* (1) The Fair Debt Collection Practices Act (FDCPA) is a federal law. (2) ****************** Protection Bureau (CFPB)

  

  Business Response

  Date: 05/02/2024

  This is a commercial debt owed by the complainant's company.  The complainant is referring to consumer laws.  Please remove this from our record.

  Customer Answer

  Date: 05/03/2024

  I am rejecting this response because:   

  1. We Timelessness Aesthetics & ************ do Not have any debts to the entity you are presenting.
  2. Moreover that entity failed the contract and according to the contract they have to issue refund to Timeless Aesthetics & ************.
  3. You still have to comply rules and regulations: as a collection agency you have to have the license to operate within in the territory; **********
  
  
  In conclusion you are pressing a something that does not exist.
  
  
  For your enlightenment here some information that *** be useful in the future. 
  In **********, the following laws and regulations govern commercial debt collection:
   (not that we owe anything) 
  
  
  1. California Civil Code (CCC)
  2. California Commercial Code (CCC)
  3. California ********* Fair Debt Collection Practices Act (RFDCPA) (Cal. Civ. Code 1788 et seq.)
  4. California Fair Credit Reporting Act (CFCRA) (Cal. Civ. Code ****** et seq.)
  5. ******************** Privacy Law (Cal. Fin. Code 4050 et seq.)
  6. *************** Privacy Law (Cal. Civ. Code ******** et seq.)
  7. California Business and Professions Code (BPC)
  
  Some key provisions include:
  
  - RFDCPA: Prohibits debt collectors from engaging in unfair or deceptive practices, such as misrepresenting the amount or character of the debt.
  - CFCRA: Regulates credit reporting agencies and ensures accuracy and privacy of credit information.
  - ******************** Privacy ************* financial institutions to maintain privacy and security of customer information.
  - ********** Data Privacy Law: Grants consumers certain rights, such as the right to know and access personal information collected by businesses.

• Initial Complaint

  Date:12/11/2023

  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 asked my OBGYN if she wrote a prescription for a blood pressure cuff, if it would be covered by my insurance. I didn't get an answer and later on one showed up at my apt. I thought it must've been covered but then received a bill for $140 from RAB, Inc. I tried to call them 5-6 times to find out how to return the cuff because I cannot afford to pay 5x the value of the cuff. On each of these occasions I spent ***** minutes on hold and was forced to leave a voicemail. Only one call was returned and she said someone would call me back to tell me how to return the cuff. This has never happened. I still have the cuff because I was never able to find out how to return it. Today I received a letter saying they have given my information to a collection agency. This has never dealt with a debt collector in my life. How much effort should I have to go through to return something I didn't order? A business cannot just deliver goods someone didn't order to someone's home and then send a bill, sending debt collectors after them when they refuse to pay. I doubt anyone tried to bill my insurance for the cuff in all of this either. They just sent the bill to me. I will return the cuff if someone contacts me to explain how but I am not paying $140 for a blood pressure cuff I didn't order. I appreciate any assistance the BBB can offer.

  Customer Answer

  Date: 01/11/2024

  To Whom It May Concern,

   

  I had previously filed Complaint #******** against RAB, *** in the middle of December. The BBB forwarded my complaint to them and they have not responded to the BBB. Yesterday, I received the attached letter from them with no reference to my complaint. I tried to submit the following addendum to my complaint earlier today electronically but was having issues submitting it. I have attached the filled out complaint form and the letter from them. Please add these to my complaint. I just want this situation resolved. It has been going on almost a year now.

   

  Kindest regards,

   

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

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

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

• Initial Complaint

  Date:11/14/2022

  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.

  04/13/18, I borrowed against future commissions from a company "***********", I borrowed $4,657 and the balance that was due was $6,849. I borrowed from this company previously and in the past *********** sent their invoice directly to the title company.
  
  This property closed on 05/23/18 and I assume the closer mistakenly sent a third party check in the amount of $4,020.15 to ***********, this check was due to another entity.
  
  *********** contacted me and stated I owed a balance of $2828, which I paid on 05/30/18. I am not certain as to the chain of events after, I do know I was made aware of the error of the closer sending the 3rd party check to *********** and I believe they returned those funds, which made my balance with *********** $4,020.15
  
  05/10/19 I paid $1,000, 09/16/19 I paid $1,000.
  
  08/24/22 I was contacted by Jodi ****** from RAB, Inc with my managing broker at another company, making us aware of the balance; however, the balance given to us was $4,773.32.
  
  I paid $1500 and they received it 08/29/22-technically there is a balance of $520.15; however, Jodi contacted us again October 25, 2022 stating the balance was $5,313.30.
  
  On October 25th, I sent Jodi a cease and desist letter and a debt validation letter she chose to ignore both letters and contact us again 11/14/22 threatening my new broker pays this new debt. My original company was dissolved and 01/08/2021.
  
  Jodi has provided false statements and representation, striving to collect the incorrect amount owed, she has threatened and contacted my co-workers with regard to this debt, violating the Fair Debt Collecting Practices Act. Jodi has shared information improperly, indicated we were committing a crime by not paying an erroneous debt.

  

  Business Response

  Date: 12/20/2022

  Business Response /* (1000, 7, 2022/12/05) */
  This is a commercial debt and not governed by the FDCPA. This was not a loan but a true purchase of receivables. In the contract signed by the complainant, the contract states "the Agent will use the proceeds ... for business purposes only, with no portion of such proceeds to be used for any personal, family, or household purposes".
  
  RAB collects on the balance given to us by our client. There can not be any misrepresentations if we are making demand for the amount our client places for collections. If there is an issue with the balance given to RAB, the complaint should be directed to our client. RAB has not ignored any debt validations. The documents have been sent to the complainant on multiple occasions.
  
  RAB will continue to collect on the balance owed to our client. Filing complaints will not resolve the balance from being owed.

• Initial Complaint

  Date:10/02/2022

  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.

  I have been receiving vague and harassing calls and texts from this company. Threatening to place a judgement against me and to abstract judgement against me. I had been ignoring the contacts. I receive a paper in the mail in a generic envelope saying I owed $89,000. This company and their client did a poor job researching who they were looking for and picked the first ******* that popped up. Had they not been so lazy, they would have put the town in and the correct ******* would have popped up first. They would be closer to finding the correct person. They have since put a judgement lien against my home. They will not return calls to my attorney.

  

  Business Response

  Date: 12/08/2022

  Business Response /* (1000, 5, 2022/10/10) */
  We have removed all contact information regarding the complainant. Please consider this matter closed and the complainant will no longer be contacted.