OSI Collection Services harassment concerns usually come up when calls or voicemails feel repetitive, urgent, and light on details about the alleged debt. If you believe the contact is excessive or misleading, it may violate the Fair Debt Collection Practices Act (FDCPA) depending on the facts.
The safest approach is consistent: verify which “OSI” is contacting you, push the collector to provide written validation, and avoid making payment decisions during a live call.
Table of Contents
- Who Is OSI Collection Services?
- Why Do OSI Collections Contact You?
- What OSI Collection Harassment Can Look Like
- Is OSI Collection Breaking the Law?
- Lawsuits Against OSI Collection
- Contact Information
- How to Stop Collection Calls
- What Proof to Request to Verify the Debt
- How to Handle Local Tax Letters
- What to Do If They Mention Legal Action
- Get Help With Harassment
- Success Stories
- Common Questions
Who Is OSI Collection Services?
OSI Collection generally refers to a third-party collection business. The name is not unique, so verification matters before you share personal information or send money.
One company using this name is listed by the Better Business Bureau (BBB) as OSI Collection Services, Inc. in Schaumburg, Illinois, with a long operating history shown on its BBB profile.
Separately, multiple business directories list a similarly named collection company in Houston, Texas. If your letter or caller details do not match the correct entity, treat it as a verification issue first.
Why Do OSI Collection Services Contact You?
OSI Collection Services may contact you because a creditor or service provider placed an account for collection, or because records incorrectly link a balance to you.
Common triggers include:
- An unpaid or disputed bill that was placed with a collector
- An older account that changed hands or was assigned for recovery
- A wrong-person or wrong-number attempt
- Identity or record-matching errors that could indicate the debt is not yours
If you think the account details are unclear, your next step should be written validation, not a phone argument.
What OSI Collection Services Harassment Can Look Like
OSI Collection Services harassment typically looks like pressure without clarity, especially when the collector pushes urgency before providing documentation.
Examples that may indicate a problem (depending on frequency and content):
- Repeated calls after you ask for written details
- Voicemails that demand “urgent” action but do not identify the creditor
- Pressure to pay immediately before you receive written validation
- Threats or legal-sounding warnings without concrete paperwork
If you believe these patterns are happening, document them and move communication into writing.
Is OSI Collection Services Breaking the Law?
Some collection contact is lawful, but conduct might violate the Fair Debt Collection Practices Act (FDCPA) if it becomes harassing, deceptive, or unfair.
Key protections to know:
- The FDCPA restricts harassment and abusive conduct.
- The FDCPA also restricts false, deceptive, or misleading representations.
- Regulation F requires specific validation information in the validation notice (what collectors must disclose and how).
If you think the collector is refusing basic validation or using misleading threats, that could potentially support a complaint or legal review.
Lawsuits Against OSI Collection Services
Public court records show OSI Collection has appeared in FDCPA-related litigation. A lawsuit does not prove wrongdoing in your situation, but it can be a practical signal that you should insist on clear documentation.
Examples tied to OSI Collection include:
- Edwards v. OSI Collection Servs., Inc. (federal court opinion available via CourtListener).
- Cliff v. Payco General American Credits, Inc. (case text references OSI Collection Services and FDCPA allegations).
- CourtListener dockets showing OSI as a named party, such as Teggelaar v. OSI Collection Services, Inc. and Zwillinger v. OSI Collection Services, Inc.
Contact Information
Because multiple “OSI” listings exist, match the contact details to your letter and to a reliable listing.
OSI Collection Services contact & address
| Listing / Source | Phone | Address | What it helps you confirm |
| BBB: OSI Collection Services, Inc. (Schaumburg, IL) | (847) 605-9400 | 1375 E. Woodfield Rd, Suite 110, Schaumburg, IL 60173 | Confirms the Illinois entity shown on BBB |
| YellowPages listing: “Osi Collection Service Inc” (Houston, TX) | (800) 969-9222 | 2950 S Gessner Rd, Houston, TX 77063 | Confirms a separately listed Houston entity |
| Chamber of Commerce directory listing (Houston, TX) | (713) 780-7030 | 2950 S Gessner Rd #200, Houston, TX 77063 | Another directory identifier for the Houston listing |
Important: Caller ID can be spoofed. If you believe a caller is pressuring you to pay via gift cards, wire transfers, or crypto, that could indicate a scam.
How to Stop Collection Calls
You reduce call pressure fastest by forcing the issue into writing.
Do this in order:
- Stop live call discussions. Let calls go to voicemail when possible.
- Request written validation. Ask for the required validation details and account breakdown.
- Send a written “communication in writing only” request (and keep proof you sent it).
- Keep a simple log (date, time, number, summary of what was said). This becomes evidence if you later file a complaint.
If you believe the contact is abusive or deceptive, you can report scams and suspicious conduct through the FTC reporting portal.
What Proof to Request to Verify the Debt
Your validation request should be short and documentation-focused.
Ask for:
- Original creditor name
- Amount claimed and an itemized breakdown (principal, fees, interest)
- Account number/reference
- Documentation showing the debt belongs to you
- Documentation showing the collector’s authority to collect
Regulation F outlines validation notice requirements and what information should be provided.
How to Handle Local Tax Letters
If the letter claims a tax or government-related balance, treat it as higher-risk for confusion and impersonation.
Checklist:
- Identify the government entity named
- Confirm the years or periods listed
- Ask for the underlying assessment or billing reference in writing
- Verify the agency identity using a trusted listing before paying
If you think the tax-style letter is vague or mismatched to your history, it could indicate a wrong-party attempt or a scam, and you should verify first.Learn what to do if you are receiving calls from what you believe is a scam collection agency.
What to Do If They Mention Legal Action
A real lawsuit usually includes court paperwork, a case caption, and a response deadline. If you only received calls or vague warnings, that could indicate pressure tactics rather than an actual filed case.
If you receive court documents:
- Do not ignore them
- Calendar the response deadline
- Consider getting legal help promptly, especially if you believe you were not properly served
Get Help With Harassment
If OSI Collection Services contact is repetitive, unclear, or you believe it might violate federal law, legal help may reduce stress and prevent mistakes.
Consumer Rights Law Firm PLLC
133 Main Street, Second Floor
North Andover, Massachusetts 01845
Phone: 877 700 5790
Email: help@consumerlawfirmcenter.com
This firm helps consumers stop harassment, dispute inaccurate accounts, and regain control over debt collection situations.
Success Stories
“For weeks, my phone wouldn’t stop buzzing with calls from a debt collection agency. They were aggressive, rude, and even called my workplace. I was embarrassed and stressed out every single day. A coworker told me about Consumer Rights Law Firm, and I decided to give them a try. The moment I spoke with them, I felt relieved—they understood exactly what I was going through. They gathered all the details, handled the collectors directly, and the harassment ended almost overnight. I can finally answer my phone without anxiety.”
“I didn’t realize how much constant debt collection calls were affecting my mental health until they stopped. CRLF took my case seriously from day one, explained my legal options in plain English, and handled all the communication with the collectors. In less than a week, my phone went silent. The peace and quiet felt like a huge weight off my shoulders. They’re professional, compassionate, and genuinely care about helping people.”
“The collection agency calling me wouldn’t take ‘stop calling’ for an answer. I tried blocking their number, but they just used new ones. I felt trapped until I reached out to Consumer Rights Law Firm. Their team worked quickly, documented every call, and sent a strong legal message that made the harassment end immediately. I’m so grateful to them for restoring my privacy and peace of mind. If you’re dealing with the same problem, CRLF is the best solution.”
Common Questions About OSI Collection
Why is the OSI Collection calling me?
They may be attempting to collect an alleged unpaid balance or reaching you due to a record-matching error. If you think the debt is unclear, request written validation first.
What is OSI Collection harassment?
It may include repeated calls, pressure to pay without written proof, or misleading statements. If you believe the pattern is abusive, it might violate the FDCPA depending on the facts.
What phone numbers are associated with OSI Collection Services?
A BBB listing shows (847) 605-9400 for an Illinois entity, and directories list (800) 969-9222 and (713) 780-7030 for a Houston listing. Match the details to your letter.
How do I stop the calls without making things worse?
Move everything to writing, request validation, and keep documentation of all contacts. Regulation F describes what validation information should be provided.
What if the debt is not mine?
Dispute it in writing and demand proof that links the account to you. Do not pay just to stop calls if you believe the account is inaccurate.
Can OSI Collection Services sue me?
A lawsuit may be possible in some cases, but a real suit usually comes with court documents and deadlines. If you only received threats, that could indicate pressure tactics.
Are there lawsuits involving OSI Collection?
Yes, OSI appears in public litigation records, including FDCPA-related matters and other disputes. These records do not prove your situation is unlawful, but they support verifying everything in writing.
How do I spot scam calls pretending to be OSI?
If you think the caller is demanding gift cards, wire transfers, or other unusual payment methods, it may be a scam. Report suspected fraud through the Federal Trade Commission (FTC).
Where can I see complaint activity?
BBB complaint summaries and published complaint pages can show how issues are categorized, but they do not verify every claim.
How can Consumer Rights Law Firm PLLC help?
They can review your documentation, help you draft validation and dispute letters, and advise on next steps if the conduct appears abusive, misleading, or unlawful.
