Reliant Capital Solutions, LLC

I am filing this complaint regarding Reliant Capital Solutions , LLC for failure to properly validate an alleged debt and continued reporting of unverified information to the credit bureaus. On XX/XX/year>, I sent a formal debt validation request pursuant to the Fair Debt Collection Practices Act ( FDCPA ) XXXX, requesting documentation to verify the alleged debt. In response, Reliant Capital Solutions provided only a generic itemized statement, which appears to be a printout and does not constitute proper validation of the debt. Specifically, the company failed to provide : A copy of any original signed agreement bearing my signature Complete payment history from the original creditor Documentation proving Reliant Capital Solutions has legal authority to collect this debt Any chain of assignment or transfer of ownership Providing a billing statement alone does not meet the legal requirements for debt validation under FDCPA XXXX.…

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Hey, my name is XXXX XXXX. I used to be a member of XXXX XXXX and I was trying to pay my negative balance off but XXXX XXXX told me that another debt collector picked up my account. The debt collector is relent. after talking to relent, they gave me a payoff balance of {$630.00}. I asked can I see the transactions to the curve for my account to be in a XXXX they told me I have to talk to XXXX XXXX. I called XXXX XXXX and XXXX. XXXX told me that the balance that is due is $ XXXX XXXX.

I received a robotext sent without my prior express consent on XX/XX/year> at XXXX p.m. from a debt collector. I have had my current cell phone number for over XXXX years. I do not owe any debts or have any debts gone to collections. It is clear that this debt collector had purchased a time barred debt file with my cell phone number. I replied several times and received no reply indicating no human being had sent the robotext. The debt collector used an automated system to transmit a fishing expedition robotext to my cell phone number. The debt collector is Reliant Capital Solutions LLC located at XXXX XXXX XXXX XXXX, XXXX, OH XXXX phone number XXXX. According to internet logs this company is a known violator of consumer protection laws dealing with debt collection and automated robocalls and robotexts.

Accounts XXXX XXXX XXXX XXXX XXXX & XXXX. I am unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent proper notification, please provide " Certified Mail '' with receipt displaying my signature. If not, please delete accounts XXXX & XXXX as soon as possible from my credit report or I will have to take legal action.

I began receiving debt collection text messages from Reliant Capital Solutions regarding an alleged debt on XX/XX/year>. They continued sending text messages on multiple dates, including XX/XX/year>. On XX/XX/year>, I replied by text with a written request instructing them to stop contacting me by text or phone and to communicate only by U.S. mail. Despite this clear written request, Reliant Capital Solutions continued sending additional collection text messages. I received further collection text messages on XX/XX/year> and XX/XX/year>. These messages were collection attempts and did not acknowledge or honor my request to stop contacting me by text. I am requesting that Reliant Capital Solutions immediately cease all contact with me by text message and phone, and comply with the Fair Debt Collection Practices Act ( FDCPA ) by limiting communication to U.S. mail only, as requested. Screenshots of the relevant text messages are available and can be provided.

I am filing this formal complaint against Reliant Capital Solutions LLC for unlawful debt collection practices, harassment, unauthorized use of my personal information, and inaccurate credit reporting. I have no knowledge of the alleged account this company claims to be collecting. I have never entered into any agreement with Reliant Capital Solutions LLC, nor have I provided authorization for them to obtain my personal information or contact me. I do not know how they obtained my phone number or personal data. Their repeated communications and/or credit reporting activity have become harassment. To date, Reliant Capital Solutions LLC has failed to provide : A signed contract or agreement bearing my signature Proof of lawful assignment or transfer of the alleged debt Competent evidence establishing ownership or standing to collect Proper validation as required under 15 U.S.C.…

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Repeated calls and voicemails from several different phone numbers. All VMs from different voices. No names, no details on debt to collect. VMs are always the same : Good afternoon, this is Reliant Capital Solutions as colleagues from a debt collector. Please give me a call back at XXXX. Thank you I monitor my credit report and take pride in paying off my debts/ keeping accounts current. Research on this number that is always in the vm shows no connection to the real reliant capitol solutions. Various hits online from people that called this number back and being yelled at to give them their SS number.

I have been receiving repeated unsolicited text messages from Reliant Capital Solutions on XX/XX/XXXX and XX/XX/XXXX ( Exhibit A ). Public records list their address as XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX, but XXXX Maps shows this address belongs to XXXX XXXX XXXX XXXX ( Exhibit B ) not Reliant Capital Solutions , LLC. No one in my household has received any written notice of any alleged debt. Reliant Capital Solutions has not mailed a required written validation notice, which is a violation of the Fair Debt Collection Practices Act ( FDCPA ). During the same period, I also received multiple phone calls from a woman falsely claiming to be an XXXX of the court, stating that a process server had attempted to serve me twice. I have XXXX recordings of these calls available upon request. I reviewed and printed a PDF from the XXXX XXXX XXXX profile for Reliant Capital Solutions ( Exhibits C ).…

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Reliant Capital Solutions , LLC is attempting to collect an alleged debt originating from XXXX XXXX XXXX XXXX ( Account Ending in XXXX ). I am disputing this debt because Reliant has failed to provide sufficient verification that they own this account or are legally authorized to collect it. They have not provided a complete accounting of the debt, nor have they provided a " chain of title '' proving the debt was legally transferred from XXXX XXXX to Reliant. I question Reliant 's standing to sue or collect under O.C.G.A. XXXX as they may be a debt collector without the proper rights to enforce the instrument. I have attached a formal " ACCOUNTING AND STANDING DEMAND '' which I sent to Reliant via email at XXXX on XX/XX/year>. The demand letter is also attached to this complaint. This letter demands : Proof of Reliant 's standing and " real party in interest '' status. A complete ledger of transactions and interest calculations.…

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{$7400.00} Open balance RELIANT CAPITAL SOLUTIONS LLC Original creditor XXXX Opened XXXX XXXX, 2025 ( XXXX mos ) Account status Open Type Original creditor name RELIANT CAPITAL SOLUTIONS LLC XXXX XXXX Report. I have asked for ANY information they had and was told they would notify me when it was on hand. I mentioned that if they did not have information for the debt available how was it legitimate. My follow up was not delivered and quarantined for SPAM. Every time I dispute it shows back up with a new Opened Date. I asked for any information they had and when I attempted to follow up my message was reported as Spam or Phish to the original thread. This has affected me greatly as I go on military orders this month and did not qualify for a home loan due to this.

This is not a repeat but an XXXX XXXX provided a ledger, not a signed contract, which is not proof of ownership. Failure to properly validate under the FDCPA 809. They are reporting without substantiating legal obligation. Use of internal ledger in place of contract misrepresents of balance post write-off.

A collection account from Reliant Capital Solutions was reported to my XXXX credit report without any prior written notice or opportunity to dispute. According to my credit monitoring alert, the account was assigned on XX/XX/year> and immediately reported to XXXX. I have never received any initial written communication from Reliant Capital Solutions, including a validation notice required by law. No letter, email, or other form of notice was sent to my XXXX XXXX XXXX address before this reporting occurred. Under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ), a debt collector must provide a written notice containing specific disclosures and allow the consumer 30 days to dispute the debt. Reporting a collection to a consumer reporting agency without providing this notice constitutes a violation of federal law.…

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b'I am submitting this complaint regarding Reliant Capital Solutions failure to comply with federal debt collection and credit reporting laws.\n\nOn XXXX, I sent Reliant Capital Solutions a written debt validation and dispute request via Certified Mail. The request required them to provide lawful verification of the alleged debt, including proof of ownership, contractual obligation, and itemized accounting.\n\nReliant Capital Solutions received this letter, as confirmed by USPS delivery records. However, they failed to respond within the required 30-day period, and to date, no validation or verification has been provided.\n\nDespite this failure, Reliant Capital Solutions has continued collection activity and/or credit reporting without lawful verification.\n\nThis conduct violates:\n\nFDCPA 809(b) (15 U.S.C.…

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Help my rights are being violated, 15 U.S.C. 1692g ( b ) of the FDCPA requires debt collectors to cease collection activities and provide proper validation of the debt when requested in writing within 30 days of initial contact. The accounts Ive referenced are not 100 % accurate. Until you provide competent evidence that validates the debt including a signed agreement, full account history, and verification of your authority to collect you must cease all collection efforts and remove the information from my

My credit report contains multiple inaccurate collection accounts and late payments. Some accounts are reported by third-party debt buyers or collection agencies as original creditors, which is incorrect and misleading. Other accounts show inaccurate balances or impossible open dates. I have previously disputed these items with the creditors and credit bureaus, but they were marked as verified without any supporting documentation. I have not been provided copies of original contracts, signed agreements, or proof that the furnisher had my consent to report this information. I am requesting full verification of all disputed accounts, and removal if the documentation or proof of permissible purpose can not be provided

Your recent communication included an account ledger ; however, the documentation provided is incomplete and inconsistent. The ledger contains chronological irregularities : XXXX sequence ends at XX/XX/XXXX through XX/XX/XXXX, followed by an unrelated entry from XX/XX/XXXX through XX/XX/XXXX, and another restart dated XX/XX/XXXX. The amounts listed are inconsistent with the original alleged balance your agency previously quoted. Your original balance was approximately {$8000.00}, yet your ledger has a balance of {$3200.00}. It never states the beginning balance amount. I obtained a credit notice from a different collection company regarding this same alleged account, originating from XXXX, with a different ( lower ) balance of {$6800.00} dated XX/XX/XXXX. The collector has provided records that are incorrect, inconsistent, and conflicting, and I dispute the validity and accuracy of this account.

XXXX XXXX XXXX XXXX XXXX, ND XXXX Reliant Capital XXXX XXXX XXXX XXXX XXXX OH XXXX RE : Immediate Cease and Desist Unlawful and Harassing Debt Collection Attempts To Whom It May Concern, This letter is a final and formal Cease and Desist demand regarding your ongoing and harassing attempts to collect an alleged debt from me. Your continued communication and collection tactics are in direct violation of the Fair Debt Collection Practices Act ( FDCPA ), and your conduct has crossed into unacceptable and unlawful behavior. Effective immediately, you are ordered to STOP ALL CONTACT with me in every form including calls, messages, emails, mailed notices, or contact with third parties.…

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RELIANT CAP is falsely reporting on my credit. I have never had any accounts with them. Per my research RELIANT CAP is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

A collection account was placed with Reliant Capital Solutions by XXXX University. The Reliant online portal showed two components of the balance : a principal amount and separate collection fees. XXXX University stated that the university could review the principal portion only after the collection fees were addressed with Reliant. Multiple calls were made to Reliant on XX/XX/year>, and full audio recordings of the conversations exist. During the first call, a Reliant representative stated that Reliant did not add the collection fees and that the fees were added by XXXX University. This information conflicted with XXXX Universitys published policy, which clearly states : As a collections agency, Reliant adds collection fees to a students past due balance, and there may be a negative impact on the students credit scores. A second call to Reliant resulted in the same incorrect assertion that XXXX University added the collection fees.…

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On XX/XX/year>, I made a payment of {$1700.00} to the debt collector. However, on XX/XX/year>, I received a call from the debt collector stating that the payment had been charged back by my financial institution and that I was required to make a second payment of {$1700.00}. Upon contacting my financial institution ( XXXX ), I was informed that the original XX/XX/year> payment was neither disputed nor charged back. As a result, I have been charged twice by the debt collector, who has not been receptive to addressing or resolving this issue. My financial institution ( discover ) attempted to communicate with them on a three-way call, but the debt collector disconnected from the call and refused to talk with them. I am attaching four statements covering the period from XX/XX/year> through XX/XX/year>, which detail all transactions, including the duplicate charges that occurred on XX/XX/year>, and XX/XX/year>.…

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I received an email stating this was the second time they tried to contact me in fact this is the first time I ever received any thing from this company on XXXX. I never had an account with XXXX XXXX for {$94000.00}. I sent XXXX XXXX request for debt validation XXXX on XXXX tracking # XXXX The second debt validation UPS Tracking XXXX XXXX SENT ON XXXXXXXX XXXX Response They listed this account on all XXXX credit bureaus the day after. To date I have nothing to prove this debt exists. I will hire the law firm of XXXX XXXX XXXX if this is not removed from credit report or we will be ready to countersue if they take legal action this debt is Not Mine. I NEVER SIGNED FOR A CREDIT CARD OR LOAN WITH THE ABOVE COMPANY.

In XX/XX/year>, I was contacted by Reliant Capital Solutions stating that XXXX XXXX University had placed an alleged balance with them for collections ( File # XXXX ). The text message from Reliant stated they were now handling the account and directed me to their portal for payment. Within the required five-day window, I exercised my rights under the Fair Debt Collection Practices Act and formally disputed the debt in writing, requesting full validation ( agreement, accounting, and proof of authority ). Reliant responded that they had updated their records to reflect my dispute and would obtain documentation from XXXX XXXX. I have received no validation since that date. However, after Reliant informed me they were collecting the debt, XXXX XXXX sent me a new invoice dated XX/XX/year>, demanding the same {$1900.00} balance with a due date of XX/XX/year>.…

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Reliant Capital Solutions have called multiple times on a debt that I have disputed. They have gone so far as to contact my husband multiple days in a row who had nothing to do with it. I am not even sure how they got his number since I did not give consent for them to call. They have been told to cease and desist.

I inquired about disputing the current balance and requested a statement showing the original debt and all payments made to the account. A representative advised me to review my bank statements. I replied that this did not address the disputed amount. She then told me to look online. I explained that the online portal only displays the current balance and does not include any documents or account history. She stated that she was unable to provide the account history and could only tell me the original debt amount over the phone. I responded that this information was insufficient to resolve the dispute. She concluded by saying she could not assist further and that there was nothing else she could do.

I found a collection account from Reliant Capital Solutions , LLC on my Experian credit report, showing a balance of {$8900.00} and an open date of XX/XX/year>. I have never received any written notice or dunning letter from this company within five ( 5 ) days of their initial communication, which is required under the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692g ). I sent a written validation request asking Reliant Capital Solutions to provide : The name and address of the original creditor ; A copy of any signed contract or agreement creating the debt ; An itemized breakdown showing how the balance increased from {$7100.00} to {$8900.00} ; Proof of their legal right to collect the account ; And evidence that a validation notice was mailed to me within 5 days of their first communication. To date, no validation or supporting documentation has been provided.…

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Reliant Capital Solutions , LLC is reporting a collection account allegedly placed by XXXX XXXX University. I dispute this debt and have repeatedly requested validation under 15 U.S.C. XXXX ( b ). The company responded on XX/XX/scrub> 2025, claiming that a validation notice was mailed XX/XX/year>2025, but they provided no proof of delivery, no original signed agreement, and no itemized breakdown of charges. The validation enclosed consists only of an internal billing statement from the school and does not satisfy the statutory requirements of the FDCPA or FCRA for competent evidence. Reliant is continuing to report the account as verified without supplying the underlying contract or demonstrating chain of assignment. Reliant also confirmed that it reports to credit bureaus while acknowledging the account remains disputed, which violates FCRA XXXX ( a ) ( XXXX ) and constitutes continued collection activity without proper validation under FDCPA XXXX ( b ).…

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Subject : Reliant Capital Solutions LLC No Written Validation Notice / Improper Text Communication Details : On XX/XX/year>, I received a text message from Reliant Capital Solutions LLC claiming to collect a XXXX XXXX XXXX XXXX XXXX XXXX XXXX credit card debt. I have never received any written notice from them by mail or email, nor have I previously been contacted about this debt. According to the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ), a debt collector is required to send a written validation notice within five days of initial communication. I have not received any such notice. Additionally, the collector contacted me via text message, which did not include any opt-out instructions, proper disclosure, or verification that I consented to text communications as required by Regulation F ( 12 C.F.R. 1006 ).…

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XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/year> Reliant Capital Solutions XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Formal Request for Debt Validation Account # XXXX To Whom It May Concern, I am writing in response to your recent communication regarding the alleged debt referenced above, which I noticed has also been reported on my credit file. I do not recognize this debt and am formally requesting validation under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. Please provide the following documentation : 1. The name and contact information of the original creditor. 2. A full breakdown of the alleged debt, including principal, interest, fees, and any other charges. 3. A copy of any signed agreement or contract that legally obligates me to this debt. 4. Proof that you are legally authorized to collect on this debt. 5. Documentation showing the chain of custody if the debt has been sold or transferred.…

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During my XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I was XXXX within XXXX XXXXXXXX XXXX XXXX XXXX of which I could not complete nor access during my XXXX XXXX of the XXXX. As the XXXX within XXXX XXXX, Texas had no wifi. Due to this after contacting XXXX multiple times they dropped my classes, XXXX eligibility and refused to help or reach out. I tried to contact them numerous times and even so, after sending them official letters proving I was unable to effectively do school for a short timeframe. They refused to help. After this, today I recieved a debt collections report on my credit score of an unpaid debt of which I had no notification via mail nor phone calls of, that is negatively affecting my accounts. I am an XXXX XXXX XXXX XXXX XXXX and I am worried of conflicting my eligibility to continue to do so due to the shortcomings of individuals within the XXXX XXXX XXXX XXXXXXXX.…

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Account XXXX XXXX XXXX XXXX XXXX Reliant is furnishing a XXXX collection with a {$510.00} balance to all XXXX bureaus, but in Reliants own response the attached XXXX statement shows Total Balance Due : {$230.00}. That is a direct accuracy conflict. Reporting details are also inconsistent across bureaus ( e.g., XXXX shows Status : Open while XXXX show XXXX ; XXXX has a recent Date Last Verified, XXXX do not ; the tradeline shows Account not disputed even after my disputes ). I do not have an account with Reliant ; they are a third-party collector and have not provided a complete itemized accounting that reconciles their {$510.00} figure or proof of authority to collect for XXXX. According to the FDCPA and FCRA, collectors must send a validation notice, cease collection until they validate upon dispute, and must not furnish or continue furnishing inaccurate or unverified information. Please review and require correction or deletion.