RentDebt Automated Collections Phone Harassment?

Being contacted by a debt collector about a past apartment balance hits differently than receiving calls about a credit card or medical bill. Housing debt carries a particular kind of anxiety, the fear that it will block your ability to rent again, destroy your credit score, and follow you from one lease application to the next. RentDebt Automated Collections, which goes by RDAC, knows that. In fact, their entire business is built around it.

At Consumer Rights Law Firm PLLC, we have been handling debt collection harassment cases since 2010, and we hold a 5-star rating with the Better Business Bureau because we give every client an honest evaluation of what the law allows and what it does not. RDAC is one of the most specialized collection agencies in the country, they work exclusively in the rental housing space which makes their contact feel particularly consequential to the consumers who receive it. But specialization does not mean immunity from the Fair Debt Collection Practices Act, and the BBB complaint record, federal court filings, and consumer reviews against RDAC make clear that their collection conduct has crossed legal lines on enough occasions to take seriously before you respond, pay, or ignore their calls.

What Is RentDebt Automated Collections? Who Are They?

RentDebt Automated Collections, LLC known in the industry as RDAC is a legitimate, nationally licensed debt collection agency that operates exclusively in the rental housing and multifamily property management space. They are one of the only collection agencies in the United States whose entire business model is built around recovering unpaid rent and move-out balances for apartment communities.

RDAC was founded in 2007 as a merger between two predecessor companies: RentDebt, Inc. (established in 2005 by experienced apartment industry executives) and Automated Collection Services, Inc. The combined entity created what they describe as the only collection agency “specifically geared to the multifamily industry.” The BBB established a profile for RDAC in 2008, and the company has been BBB accredited since September 29, 2009, maintaining an A+ rating.

Verified Company Information:

• Full Legal Name: RentDebt Automated Collections, LLC (also: RentDebt Automated Collection Services, LLC)
• Also Known As: RDAC, RentDebt, RDAC Collections
• Founded: 2007 merger of RentDebt, Inc. (est. 2005) and Automated Collection Services, Inc.
• Headquarters: 2802 Opryland Drive, Nashville, TN 37214-1200
• Also Listed As: Goodlettsville, TN (suburban Nashville)
• Primary Phone: (800) 467-2316
• Consumer Help Line: 1-800-810-2020
• Additional Numbers: (615) 690-1678 | (615) 361-6997 | (615) 690-1639 | (615) 361-8809 | (615) 690-1600 | 866-376-7834
• Email: help@acsi.net | customerservice@rdacgroup.com
• Consumer Help Website: consumerhelprdac
• Main Website: rentdebt
• Office Hours: Mon–Thu 8 AM–5 PM CST; Fri 8 AM–2 PM CST
• President: Robert Duffy
• CEO: Vincent Duffy Jr.
• Director of Compliance: Eric Burgos
• BBB Accredited: Yes, since September 29, 2009
• BBB Rating: A+
• Employees: 51–200
• Clients Served: Approximately 3,000 apartment communities nationwide across all 50 states and U.S. territories
• Federal Lawsuits: 30+ across 16 states documented on PACER

→ RentDebt Automated Collections Better Business Bureau Profile

What sets RDAC apart from every other collector in this series is that their niche is not credit cards, medical bills, or student loans. Their niche is rental housing and they work directly with some of the nation’s largest real estate investment trusts (REITs), owner management companies, fee management companies, affordable housing managers, and independent rental owners. In our practice, that specialization matters because the leverage RDAC holds over consumers is uniquely personal: the fear that an unresolved rental debt will prevent you from securing housing again.

What Does RentDebt Automated Collections Actually Collect?

RDAC collects outstanding rental debts, unpaid rent, move-out balances, lease break fees, security deposit deficiencies, and property damage charges exclusively on behalf of apartment communities, property management companies, and landlords.

According to their official website at rentdebt.com, RDAC’s client base and debt types include:

• Multifamily apartment communities
• Student housing
• Independent rental owners
• Single-family rentals
• Storage unit facilities
• Retail rental

RDAC also lists its technology integrations directly: Entrata, RealPage, Resman, and Yardi, the four most widely used property management software platforms in the country. This means when a property management team places your delinquent account with RDAC, the transfer happens electronically through software the apartment already uses. It is a seamless pipeline from the property’s books to a collection account in RDAC’s system often without any direct communication with the former tenant before the debt appears on their credit report.

In our practice, this is the most consistent trigger for the complaints we see involving RDAC: a consumer who moved out of an apartment, was told by on-site staff they had no outstanding balance, and then discovered months later that RDAC had placed a collection account on all three of their credit reports without any prior written notice. The BBB complaint record for RDAC documents this pattern in specific detail, as described in the following section.

Why Is RentDebt Automated Collections Calling You?

RDAC is contacting you because a property management company or landlord placed a delinquent account with them for collection or because they have identified your phone number through their proprietary skip-tracing system and believe you owe a balance to a former landlord client.

Their website openly describes their proprietary skip-tracing tool as part of their comprehensive service offering. Skip tracing allows RDAC to locate updated phone numbers, addresses, and employer information for consumers who may have moved since leaving the apartment in question. The critical legal issue our attorneys examine immediately when a client comes to us about RDAC is how they obtained the phone number being called because under the TCPA, calling a cell phone using an automated dialing system without prior express consent requires that the number was either provided by the consumer to the original creditor or that documented consent exists in some other form.

The reality our clients describe is that they may not have given the apartment complex their current cell phone number at all, particularly if they moved frequently, changed carriers, or provided a number that has since been reassigned to someone else entirely. When RDAC skip-traces its way to a phone number that was never associated with the original lease agreement, every automated call they make to that number is a potential TCPA violation at $500 to $1,500 per call.

What Do BBB Complaints Against RentDebt Automated Collections Show?

The BBB complaint record for RDAC reveals a recurring pattern centered on three issues: credit reporting without prior consumer notification, debt placed on credit reports for amounts consumers dispute as invalid, and a $28 payment processing fee that consumers say was not disclosed upfront.

→ RentDebt Automated Collections — Better Business Bureau Complaints Page

• Complaint 1: No Notice Before Credit Reporting: Consumer says RDAC reported the debt without any prior contact, written notice, or itemized statement, and they only discovered it after it hit their credit report, raising FDCPA notice and FCRA accuracy concerns.
• Complaint 2: Disputed Debt Not Verified: Consumer disputed the debt and requested full validation, but RDAC allegedly failed to provide proper documentation while continuing reporting activity, raising FDCPA validation compliance issues.
• Complaint 3: Fees and Broken Deletion Promise: Consumer reports a $28 unauthorized processing fee and claims RDAC accepted payment based on a “pay-for-deletion” promise but later refused to honor it, raising potential FDCPA fee and misrepresentation concerns.

In our practice, these patterns collectively indicate potential FDCPA and FCRA compliance concerns, including lack of proper pre-reporting notice, failure to provide adequate debt validation after dispute, and possible unauthorized fees or misleading payment-to-deletion representations, all of which raise questions about the accuracy, transparency, and lawfulness of the collection and credit reporting process.

What Consumer Reviews Reveal About RentDebt Automated Collections

WalletHub hosts 48 consumer ratings for RDAC, and the most detailed review published captures exactly the kind of collector conduct that our firm regularly turns into legal claims.

→ RentDebt Automated Collections — WalletHub Consumer Reviews

Clients tell us this same story at Consumer Rights Law Firm PLLC, a collector who claims documentation was sent, cannot provide a tracking number or date mailed, and instructs the consumer that the burden of proving non-receipt lies with them. The FDCPA’s approach is the opposite. If RDAC cannot demonstrate the validation notice was mailed and received, the consumer’s clock for disputing the debt never legally started and any collection activity in the meantime, including credit reporting, may be premature.

Has RentDebt Automated Collections Been Sued?

Yes, RDAC has been named as a defendant in more than 30 federal lawsuits filed across 16 states, according to PACER records. Three specific cases are documented in detail from official sources, covering workplace call violations, FDCPA disclosure failures, and false representations in collection attempts.

Case 1 — White v. Rentdebt Automated Collections

Case 2 — Roberson v. RentDebt Automated Collections

What Calling and Collection Tactics Has RDAC Used?

The consumer-facing tactics documented against RentDebt Automated Collections are consistent across BBB complaints, WalletHub reviews, and federal litigation records. Understanding how they operate is the first step toward recognizing whether your rights have already been violated.

What Are Your Rights Against RentDebt Automated Collections?

Three federal laws protect you directly, and depending on your state, additional state consumer protection statutes may apply as well.

Fair Debt Collection Practices Act (FDCPA): 15 U.S.C. § 1692

• RentDebt Automated Collections cannot contact you before 8 a.m. or after 9 p.m. local time [§ 805(a)(1)]
• RentDebt Automated Collections cannot call you more than 7 times in a 7-day period, or within 7 days of a completed phone call about the same debt [CFPB Regulation F, 2021]
• RentDebt Automated Collections must send written notice within 5 days of first contact — including the balance, the name of the original creditor (the apartment), and your right to dispute within 30 days [§ 809(a)]
• RentDebt Automated Collections must stop all collection activity if you dispute in writing within 30 days — they cannot report to credit bureaus or continue calling until they mail written verification [§ 809(b)]
• RentDebt Automated Collections cannot collect a $28 fee or any amount not expressly authorized by the original lease or permitted by applicable law [§ 808(1)]
• RentDebt Automated Collections must stop calling your workplace once you state calls there are not permitted [§ 805(a)(3)]
• RentDebt Automated Collections must stop all telephone contact after receiving your written cease-and-desist — their only permissible response is to confirm cessation or notify you of a specific legal action [§ 805(c)]
• RentDebt Automated Collections cannot use false or misleading statements — including promising a pay-for-deletion letter and then refusing to honor it [§ 807]
• You can sue in federal court for up to $1,000 in statutory damages per case, plus actual damages and attorney fees — paid by RentDebt Automated Collections, not by you [§ 813]

Telephone Consumer Protection Act (TCPA)

• RentDebt Automated Collections cannot use an automated telephone dialing system or prerecorded message to reach your cell phone without your prior express written consent
• Numbers obtained through skip tracing were never provided by you — any automated call to a skip-traced number is a TCPA violation
• Each unauthorized automated call or text carries $500 to $1,500 in statutory damages per call
• Under the FCC’s April 2025 rule, consumers can revoke consent through any reasonable means — including simply saying “stop” or texting it — and every subsequent automated call after that revocation is a willful $1,500-per-call violation

Fair Credit Reporting Act (FCRA): 15 U.S.C. § 1681

• RentDebt Automated Collections cannot report inaccurate or unverifiable information to Equifax, Experian, or TransUnion — including balances you dispute as not owed, amounts inflated by unauthorized fees, or accounts placed before proper notice was given
• Rental collection accounts expire 7 years from the original date of first delinquency — not from when RDAC received the account
• You can dispute inaccurate entries simultaneously with all three bureaus and with RentDebt Automated Collections as the furnisher — both must investigate within 30 days and remove information that cannot be verified
• Placing an account before the consumer had notice and a 30-day dispute window may itself create an FCRA dispute ground — since the consumer was never given the opportunity the law guarantees before the credit damage was done

How to Stop RentDebt Automated Collections From Calling You

Step 1 — Document every call the moment RDAC’s number appears. Screenshot your full call log. Save every voicemail — even the ones that only say “please call us back.” For each call, note whether it was a live agent or appeared automated, whether the caller identified themselves and RDAC at the start, and whether any call came before 8 a.m. or after 9 p.m. local time. What our clients tell us every single time is that they wish they had started documenting from the very first call. That record becomes the evidence in any legal claim.

Step 2 — Send a written cease-and-desist letter by certified mail with return receipt:

RentDebt Automated Collections, LLC 2802 Opryland Drive Nashville, TN 37214-1200

State that you revoke any prior consent to be contacted by phone and demand that all telephone communication stop immediately. Keep your USPS tracking confirmation. Every RentDebt Automated Collections call after the confirmed delivery date is a potential independent FDCPA violation.

Step 3 — Send a written debt validation request simultaneously. If RDAC has not provided written verification of the debt — the balance, the name of the original apartment or property, and documentation establishing the debt belongs to you — request it in writing. Under FDCPA § 809(b), if you submit this within 30 days of first written contact, RDAC must stop all collection activity — including credit reporting — until they provide written verification.

Step 4 — Dispute the credit bureau entry if RDAC has already reported. File disputes with all three bureaus and simultaneously send RDAC a dispute as the data furnisher. Both must investigate within 30 days. If RDAC cannot verify the debt, the entry must be removed. This is particularly important if RDAC reported before you received any prior notice — because you were never given the 30-day dispute window the FDCPA guarantees.

Step 5 — File official complaints:

• FTC
• FCC 
• CFPB
• BBB
• Tennessee Attorney General
• Your State Attorney General

Step 6 — Contact Consumer Rights Law Firm PLLC at (877) 700-5790 for a free case review. If RDAC reported to your credit bureau before providing any written notice, charged an unauthorized processing fee, called your workplace after being told to stop, used a skip-traced number to auto-dial your cell, refused to provide the initial validation notice, or continued calling after a stop request — we handle every one of these situations. We take FDCPA and TCPA cases at no upfront cost to you in most circumstances, because federal law requires RentDebt Automated Collections to pay attorney fees when they violate the law.

Consumer Rights Law Firm PLLC

Consumer Rights Law Firm PLLC is a law firm that specializes in helping clients who are facing harassment from debt collectors in any form, including telephone communication. Rather than suffer alone, contact our office to begin the process to stop the RentDebt Automated Collections harassment. Our office has been assisting consumers since 2010. We have an A+ rating with the Better Business Bureau.

If you are interested in learning more about how to safeguard yourself and prevent harassment from RentDebt Automated Collections. call us at (877)700-5790 for immediate assistance or visit our website.

Success Stories

• “I was being bombarded with threatening calls from a collection agency, and it started affecting my mental health. A friend recommended Consumer Rights Law Firm PLLC, and I’m so glad I reached out. Their team was incredibly understanding and explained everything in simple terms. They handled all the legal work, and within a short time, the calls completely stopped. It felt like I got my life back. I’m truly thankful for their help and highly recommend them to anyone facing debt collection harassment.”
• “After months of receiving multiple calls a day from an aggressive debt collector, I finally had enough and contacted Consumer Rights Law Firm PLLC. They took the time to listen to my story, asked the right questions, and wasted no time in getting involved. Not only did the harassment end, but they also filed a claim on my behalf—and I was awarded compensation. These folks know what they’re doing, and they fight for you. Don’t hesitate to call them if you’re being mistreated by collectors.”
• “Working with Consumer Rights Law Firm PLLC was the best decision I made when I was feeling helpless and harassed. I thought I had to tolerate the constant robocalls and rude messages, but they showed me that I had rights. Their legal team acted fast and professionally, updating me throughout the entire process. The collectors backed off immediately once they got involved. I can’t thank them enough for giving me peace of mind—and holding those collectors accountable.”

FAQs

Who is RentDebt Automated Collections and why are they calling me?

RentDebt Automated Collections (RDAC) is a debt collection agency that focuses on recovering unpaid rent and rental-related charges on behalf of apartment complexes and property management companies. If they are calling you, they believe you owe money connected to a past or current rental account.

Is RDAC a legitimate company or could it be a scam?

RentDebt Automated Collections is a legitimate debt collection agency based in Nashville, Tennessee, and is accredited by the Better Business Bureau. However, some consumers report aggressive or confusing collection tactics, so it’s important to verify the debt in writing before engaging.

Can RentDebt legally harass me with phone calls?

No. The FDCPA and TCPA prohibit harassment by debt collectors. This includes excessive calling, calls outside permitted hours, threatening or abusive language, contacting you at work after being told not to, or failing to clearly identify themselves as a debt collector.

What are my rights when RentDebt keeps calling me?

You have the right to request written debt validation within 30 days of first contact. You can also send a written cease-and-desist letter to stop communication. If RentDebt violates your rights, you may file complaints with the CFPB, FTC, or your state attorney general.

Can I sue RentDebt Automated Collections for harassment?

Yes. If RentDebt violates the FDCPA or TCPA—such as continuing calls after a cease request or failing to validate the debt—you may be entitled to statutory damages, actual damages, and attorney’s fees.

Do calls from RDAC debt collectors affect my credit score?

They can. RentDebt may report unpaid rental debt to credit bureaus, which can negatively affect your credit score. If the information is inaccurate or unverified, you can dispute it under the Fair Credit Reporting Act.

How can I make RentDebt stop contacting me?

You can send a written cease-communication request. Additionally, document every call, block known numbers, and file formal complaints if contact continues after your request.

Should I negotiate or pay RentDebt to remove the negative mark from my credit report?

You may attempt to negotiate a pay-for-delete agreement, but such arrangements are not guaranteed and must be confirmed in writing. Paying the debt alone does not automatically remove it from your credit report.

How do I verify if I actually owe the debt?

Request debt validation from RentDebt. They must provide details such as the original creditor, the amount owed, and supporting documentation. If they cannot validate the debt, you can dispute it.

Can RentDebt contact my family, employer, or neighbors about my debt?

No. Debt collectors are prohibited from discussing your debt with third parties. They may only contact others to locate you, and even then, they cannot disclose the nature of the debt.

Other Phone Numbers RentDebt May Use