Reliant Capital Solutions, LLC

I am submitting this complaint against Reliant Capital Solutions regarding an alleged debt connected to a former XXXX XXXX XXXX XXXX account. I formally disputed this alleged debt and requested validation pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. Despite my dispute, the company has attempted to collect on the account without first providing sufficient validation or competent evidence that I am legally obligated to pay the alleged debt. I requested documentation including proof of ownership, the complete chain of assignment, an itemized accounting of the alleged balance, and copies of any signed agreement bearing my signature. I also instructed the company to cease communication pursuant to 15 U.S.C. 1692c ( c ). My cease and desist request included reporting or furnishing information to consumer reporting agencies because credit reporting is a form of communication and collection activity.…

A company named relaint capital solutions had been texting me stating that I owe a debt. I have never done business we this company so their claims arent valid. They have sent me multiple messages and I never gave this company permission to contact me which is a violation of the fdcpa. I want this company to stop all communication with me through all forms including my credit report. This debt collection agency buying my personal information without my consent is a violation of my consumer rights. It also know as identity theft to buy my personal information such as my name, date of birth, cellphone number, address and social security number. I want my information deleted from their system and stop reporting my information. When a debt collector violates the Fair Debt Collection Practices Act ( FDCPA ) by charging unauthorized fees, they are liable to the consumer for actual damages, statutory damages of up to {$1000.00} per lawsuit.…

Here is an email I wrote to reliant capital solutions on XX/XX/XXXX regarding debt validation I never received To Whom It May Concern, This correspondence concerns a collection account reported in my name in the amount of {$550.00} and associated with Reliant Capital Solutions , LLC. Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ), I am formally requesting full validation of this alleged debt. Until such validation is provided, I dispute the validity and accuracy of this account. Please provide the following documentation in writing : Verification that I am the correct debtor, including documentation linking this alleged account to my identity A copy of the original contract, billing statements, or enrollment records bearing my name and signature ( if applicable ) The full legal name and address of the original creditor A complete itemized accounting of the balance, including principal, interest, fees, and dates incurred…

Today on XXXX at about XXXX XXXX they texted a relative a message stating they were a debt collector with business of mine gave a link to information about payment including a file number for access to the information. I have not recieved anything in the mail from them, and they have not contacted my husband prior. Their website did not have an email listed to utilize so I used their contact form to communicate that they were to cease those communication and only speak with me or my husband if they have business with me.

On or about XX/XX/year>, I reviewed my XXXX credit report and discovered multiple accounts being reported that I do not recognize and did not authorize. The accounts include : * XXXX XXXX XXXX XXXX reported as 120 days late ( balance listed as {$0.00} ) * XXXX XXXX charged off account * XXXX XXXX XXXX/ XXXX XXXX multiple accounts reported * XXXX XXXX / XXXX account reported with adverse history * XXXX XXXX collection account ( approximately {$1100.00} ) * Reliant Capital Solutions collection account ( approximately {$2700.00} ) I have never opened, applied for, or signed any agreement for these accounts. I have no contractual relationship with any of these companies. After discovering these accounts, I disputed them with XXXX, stating clearly that they are not mine and requesting verification. However, these accounts continue to be reported without any documentation being provided to me showing that I am responsible for the debts.…

I have received incessant calls from Reliant Capital Solutions under various phone numbers despite the fact that I have paid nearly a third of my debt off. I have paid off this balance to the best of my abilities and plan to continue paying it. I can not currently afford the suggested payment plans, so I pay as I can. I have unsubscribed from telephone contact on their website but continue to receive calls almost every day and during my work hours.

this debt is the result of identity theft. I do not recognize this account and did not authorize any transactions associated with it. This letter serves as a formal dispute of the debt under the Fair Debt Collection Practices Act ( FDCPA ) and a notice of identity theft under the Fair Credit Reporting Act ( FCRA ). Please be advised that I am in the process of documenting this identity theft and may file reports with the Federal Trade Commission ( FTC ) and local law enforcement. I am keeping detailed records of all communications. Any continued attempt to collect on a debt resulting from identity theft without proper verification may constitute a violation of federal law. I expect written confirmation that this matter is being investigated and that collection efforts have ceased.

There is a student loan from XXXX that was taken out around XXXX under my previous name. Due to repeated instances of fraud associated with my birth name, I legally changed my name between XXXX and XXXX. I acknowledge that I attended classes at XXXX University ; however, I am being informed that I owe an additional balance for courses that I do not recognize or recall taking. As a result of this issue, I began school again in XXXX but am currently unable to apply for financial aid due to the default status on this account. I have notified them that I intend to formally report this matter so the default can be removed from my record while the investigation is ongoing, allowing me to proceed with applying for XXXX XXXX

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.…

Multiple calls throughout the week. Now going on for multiple weeks using different numbers as well as telemarketing numbers. Friday XX/XX/year>, XXXX calls from XXXX am to XXXX pm. Thursday XX/XX/year>, XXXX calls XXXX am to XXXX pm. XX/XX/year>, XXXX calls. XX/XX/year> XXXX calls.

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.

I signed up for my academic school year but was not clearly advised that I would have to pay like my financial aid was taken away

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.…

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 ).…

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.…

{$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.…

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.…

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.…

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

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.

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>.…

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.…