Rushmore Service Center Phone Harassment?
Is Rushmore Service Center (RSC) calling you? Stop Rushmore Service Center phone harassment. Do they threaten to take legal action or garnish your wages? Rushmore Service Center may also file lawsuits or legal documents in order to pursue debt collection. Are they calling you at all hours or several times a day? Are they telling your family and neighbors that you owe a debt? If so what they are doing is illegal and needs to stop. You have the legal right to stop RSC phone harassment. If a collection agency commits a violation of the FDCPA, you may be eligible to receive up to $1000.00 in statutory damages, along with covering your attorney fees. Multiple violations of the law can increase the potential remedies available to consumers.
Is Rushmore Service Center a Scam?
According to the Better Business Bureau website, Rushmore Service Center has been in business for 8 years. Rushmore Service Center is not accredited by the BBB, which means it has not met all the standards required for BBB accreditation. The BBB does not endorse any business, product, or service, but provides objective information to help consumers make informed decisions. There have been 7 complaints filed against RSC with the BBB, and these complaints involve multiple parties, including customers and third parties, who contribute to the review and complaint process. Customer reviews are also important, as reviews help assess a company’s reputation and provide insight into client satisfaction.
Who is Rushmore Service Center?
Rushmore Service Center is a third party debt collector located in Sioux Falls, North Dakota. They have been a party to several federal cases based on their issuance of credit and collection of debts incurred on their credit cards. In one such case, the court held that confusion alone is insufficient to establish a violation under the FDCPA. A recent Federal Court case alleges that Rushmore Service Center used illegal and harassing communication tactics to attempt to coerce a payment from the harassed consumer. Rushmore Service Center is not affiliated with any subsidiaries of other companies.
When dealing with debt collection, it is important for consumers to ensure that the original creditor is properly identified and that all debt collection communications are correctly signed to comply with legal requirements. Citizens of certain states, such as North Carolina, may have additional legal protections and remedies under state law beyond those provided by federal law.
Address: 3820 N Louise Ave Sioux Falls, SD 57107-0145 Phone: (866) 950-7300
Rushmore Service Center Collection Tactics
If Rushmore Service Center engages in any of the following commonly used debt collection tactics, you may have a case:
- Using profanity or abusive language
- Calling you before 8:00 a.m. or after 9:00 p.m.
- Calling you multiple times per week
- Talking to others about your debt
- Calling your workplace
- Threatening to sue you, harm you, or destroy your credit
- Telling you or anyone else that you’ve committed a crime
- Calling repeatedly for the wrong person
- Failing to notify you of your right to dispute the debt
- Trying to collect more than legally allowed
If you are experiencing harassment, you can send a cease-and-desist letter to the debt collector to stop further contact. You also have the option to set up a payment plan or arrangement with the debt collector to resolve the debt. Don’t hesitate to share your experiences with debt collection harassment to help inform others and seek support.
Rushmore Service Center Phone Numbers
| Format Type | Phone Number |
|---|---|
| Standard | 866-950-7300 |
| Standard | 605-333-6299 |
| With Parentheses | (866) 950-7300 |
| With Parentheses | (605) 333-6299 |
| Digits Only | 8669507300 |
| Digits Only | 6053336299 |
If the answer is yes, then you are receiving calls from a known RSC number. It is important to identify calls from Rushmore Service Center by checking the caller ID and matching the number to those listed above. However, there is always a possibility of error in recognizing phone numbers, so be sure to verify the caller before sharing any personal information. You may be a victim of RSC phone harassment.
The list above is not all the numbers that RSC uses. The calls can be from different phone numbers and it still be Rushmore Service Center calling you. To ensure accurate communication, update your contact information with the debt collector if it has changed. For more details about Rushmore Service Center’s contact methods, visit our dedicated page on this topic. Contact our office right away so we can start the process to stop RSC from calling you illegally. Above all, no one should live with harassment!
What Laws Govern Rushmore’s Practices?
Rushmore Service Center’s collection activities are subject to a range of federal and state laws designed to protect consumers from unfair and abusive debt collection practices. At the federal level, the Fair Debt Collection Practices Act (FDCPA) sets strict guidelines for how debt collectors, including Rushmore Service Center, may interact with consumers. This law prohibits the use of harassment, threats, or deceptive tactics when attempting to collect a debt, ensuring that consumers are treated with respect and fairness throughout the process.
In addition to the FDCPA, the Fair Credit Reporting Act (FCRA) plays a crucial role in safeguarding the accuracy of your credit reports. Under the FCRA, Rushmore Service Center must ensure that any information they report about your debts is accurate and up-to-date. If you discover inaccurate information on your credit reports as a result of Rushmore Service Center’s actions, you have the right to dispute those errors and request corrections.
Other important regulations include the Telephone Consumer Protection Act (TCPA), which restricts unwanted robocalls and automated messages from debt collectors. State laws also provide additional layers of protection. For example, the Texas Debt Collection Act offers specific rights to Texas consumers, further regulating how companies like Rushmore Service Center can collect debts within the state. These laws collectively work to protect consumers, ensuring that Rushmore Service Center and similar entities operate within the boundaries of the law and respect your rights as a consumer.
How Rushmore Service Center Harassment Affects You
Being on the receiving end of debt collection harassment from Rushmore Service Center can take a serious toll on your well-being. Repeated phone calls, aggressive letters, and intimidating tactics can create a stressful environment, making it difficult to focus on daily life or manage your finances effectively. For many consumers, this kind of harassment leads to anxiety, sleepless nights, and even strained relationships with family or employers.
Beyond the emotional impact, unfair debt collection practices can also harm your financial standing. If Rushmore Service Center reports inaccurate information to the credit bureaus, your credit reports may reflect debts you don’t owe or amounts that are incorrect. This can lower your credit score, making it harder to access loans, rent an apartment, or even secure employment. In some cases, persistent harassment can escalate to lawsuits or wage garnishment, putting additional strain on your finances.
Fortunately, the law is on your side. Under the FDCPA, you have the right to request that Rushmore Service Center stop contacting you, and the FCRA allows you to dispute any inaccurate information on your credit reports. If Rushmore Service Center violates these laws, you may be entitled to actual damages, statutory damages, and even attorney’s fees. Don’t hesitate to contact a lawyer if you believe your rights have been violated, taking action can help you protect your credit, your peace of mind, and your financial future. If you need assistance, reach out to a consumer rights attorney to learn more about your options and how to put an end to debt collection harassment.
Complaints Against Rushmore Service Center
The following is a sample list of complaints filed against Rushmore Service Center in the past year and can be found on Pacer.gov.
| Case Number | Case Name |
|---|---|
| 2:15-cv-00005-LGW-RSB | Daniels v. Rushmore Service Center |
| 5:15-cv-00003-MTT | Hill v. Rushmore Service Center LLC |
| 2:13-cv-00105-LA | Schulz v. Rushmore Service Center LLC |
| 0:18-cv-60016-DPG | Millersmith v. Rushmore Service Center, LLC |
| 1:14-cv-04180 | Cook v. Rushmore Service Center, LLC |
Successful legal action in these cases can sometimes result in debt relief for consumers.
Consumers have specific legal rights and protections described in the words of federal and state laws like the FDCPA, TCPA, EFTA, and FCRA when dealing with debt collectors. These laws outline what debt collectors can and cannot do, helping protect you from abusive practices.
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 Rushmore Service harassment. Our office can send cease-and-desist letters on your behalf to stop debt collection harassment. You can also set up a consultation or legal action with us to address your debt collection issues. 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 Rushmore Service call us at 877-700-5790 for immediate assistance or visit our website.
Success Stories
- Worked with Matthew after hearing about them previously on BBB. We did everything very conveniently over text due to my work circumstances as well. With just a couple of screenshots and audio recording I forwarded, they took care of everything for me from start to finish, free as promised. They completely stopped the harassment within a week, to the point i had completely forgotten I was being harassed until I received a text message saying everything was wrapped up and my debt was zeroed out! They retained their attorneys fees and all I had to do was sign one last piece of paperwork. It was the best Christmas gift I could’ve gotten honestly. Thanks to Matthew, and I sincerely hope your firm has a great Christmas and new year!
- Working with Matthew was quick and easy. He explained everything very well and got the things done and now I don’t have to worry about debt collectors coming to threaten me. He was able to get me a debt waiver and they’re taking it off my credit report, thank you so much for that. And I recommend him to anyone else looking for help!
- I worked with Scott and he was an absolute pleasure! He was very swift, honest, resourceful, helpful. He reassured me that I would never be asked for any money out of my pocket. His assistance with settling my case lifted a huge weight off my shoulders! Thank you so much, Scott! God bless!
Frequently Asked Questions
Who is Rushmore Service Center (RSC)?
Rushmore Service Center (RSC) is a third-party debt collection company based in South Dakota. It handles collection calls, including for credit card, healthcare, retail, utilities, and government debt.
Is RSC a scam or a legitimate debt collection agency?
RSC is a legitimate company. It is incorporated, licensed, and frequently involved in cases and complaints, although many people report alleged abusive or harassing practices.
What constitutes harassment by Rushmore Service Center?
Harassment may include repeated calls multiple times per day, using threatening or misleading language, calling outside acceptable hours, contacting you at work after you’ve asked them not to, or attempting to collect a debt you do not owe.
Can RSC report debts to credit bureaus?
Yes. RSC can report delinquent debts to credit reporting agencies, which may negatively affect your credit score.
Can I dispute the debt if RSC is contacting me?
Yes. You have the right to request validation of the debt. If RSC cannot provide proof, they must stop collection efforts until the debt is verified.
Are there limits on how often or when they can call me?
Yes. Under the Fair Debt Collection Practices Act (FDCPA), debt collectors cannot call at inconvenient times (such as very early morning or late evening) or call repeatedly with the intent to annoy, abuse, or harass.
Can I make them stop calling me entirely?
Yes. You can send a written cease-and-desist letter. After receiving it, RSC may only contact you to confirm they will stop or to inform you of legal action.
Can RSC sue me for the debt?
Yes. If the debt is valid and within the statute of limitations, RSC could file a lawsuit. A court judgment could give them additional powers, such as wage garnishment, depending on state law.
What can I do if RSC is falsely threatening wage garnishment or legal action?
If threats are false or misleading, this may violate your rights under the FDCPA. You should document the threats, demand debt verification, and consider consulting a consumer rights attorney.
Can I recover compensation if RSC violated my rights?
Yes. Under the FDCPA, you may be able to recover actual damages, statutory damages of up to $1,000 in many cases, plus attorney’s fees and court costs if your rights were violated.
