Is Viking Client Services (also known as Viking Billing Services) calling or sending letters demanding payment, often related to rental car damage claims, insurance balances, or billing disputes? Are the calls frequent, confusing, or tied to a debt you don’t recognize?
Debt collectors are allowed to contact consumers, but only within strict legal boundaries. When Viking Client Services crosses those boundaries, federal and state laws give you the right to stop the harassment and, in some cases, seek compensation.
Who Is Viking Client Services?
Viking Client Services, Inc. is a third-party debt collection agency founded in 1969, headquartered in Eden Prairie, Minnesota. The company is privately held and licensed to operate in all 50 states.
Known details:
Address: 10050 Crosstown Circle, Eden Prairie, MN 55344
Phone: (952) 944-7575 | (800) 767-7895
Also operates as Viking Billing Services
Viking collects on a wide range of debts, including:
Rental car damage claims (Hertz, Dollar, Thrifty, Budget)
Insurance subrogation balances
Credit cards and installment loans
Healthcare and consumer accounts
Viking is not a scam, but consumer complaints and litigation show its collection practices are frequently disputed.
Phone Numbers Reported for Viking Client Services
Viking is known to use multiple rotating phone numbers, including:
952-944-7575
800-767-7895
800-637-4564
651-621-2838
866-377-5362
800-818-4937
Calls may still be from Viking even if the number differs.
Complaints Against Viking Client Services
Based on CFPB data and consumer reports, allegations against Viking Client Services often include:
A Common Complaint Pattern: Rental Car & Billing Disputes
One recurring issue reported by consumers involves attempts to collect debts that are inaccurate or completely unrelated.
Real-World Example (Forum Dispute Summary)
- A consumer received a letter from Viking Billing Service claiming they owed money for rental car damage tied to a specific date, despite having returned the vehicle earlier and leaving the state. After disputing the debt in writing under the FDCPA, Viking later admitted the letter was sent in error and withdrew the claim.
Key takeaway:
Disputing a debt in writing works forces verification.
Viking Client Services Lawsuits
| Case | Court |
|---|---|
| Broderick v. Viking Client Services, Inc. | D.N.J. (2017) |
| Wagstaff v. Viking Client Services | Federal |
| Sieber v. Viking Client Services | Federal |
| Garlicki v. Viking Client Services | Federal |
Viking Billing Services Class Action (Brief)
Viking Billing Services paid $1.087M to settle FDCPA claims over improper rental car damage collection letters linked to Hertz, Dollar, and Thrifty. Allegations included late notices, missing disclosures, and collecting disputed charges. Viking denied wrongdoing.
Case: DeNicolo v. Viking Client Services
Max payout: Up to $550
Can Viking Client Services Sue You or Garnish Wages?
This is an area where collectors often mislead consumers.
What Viking Client Services Cannot Do
Threaten wage garnishment without a court judgment
Threaten lawsuits they do not intend or cannot legally pursue
Claim immediate legal action without due process
What They May Do
File a lawsuit only if the debt is valid
Seek a court judgment
Garnish wages only after winning in court
If you are concerned about legal action, speaking with an attorney early can prevent default judgments.
How to Resolve a Debt With Viking Client Services (Safely)
If the debt is legitimate and you want resolution, without risking your rights, follow these steps:
Step-by-Step Resolution Guide
Request Validation First
Never pay before confirming the debt belongs to you.Review the Debt Carefully
Check dates, amounts, insurance payments, and rental records.Respond to Lawsuits Immediately
File a written Answer to avoid default judgment.Assess Defenses
Debt not yours, statute of limitations expired or improper documentation
Negotiate Only After Validation
Settlements are common and often significantly lower.Get Everything in Writing
Never rely on verbal promises.
Can You Ignore Viking Client Services?
Ignoring collection letters or calls may not stop them.
Ignoring a lawsuit is dangerous and can lead to wage garnishment or frozen accounts.
Even if Viking claims they do not report certain rental debts to credit bureaus, that can change, and unresolved disputes can escalate.
If Viking or the original creditor reports inaccurate information, the Fair Credit Reporting Act (FCRA) gives you the right to dispute errors.
Incorrect reporting can affect:
Loans
Housing
Employment
Insurance rates
Mistakes should be challenged promptly.
What To Do If Viking Client Services Is Harassing You (Step-by-Step)
Step 1: Do Not Admit the Debt
Never confirm ownership or agree to payment before verification.
Step 2: Demand Debt Validation (In Writing)
You have 30 days to dispute and request proof of the debt.
Step 3: Document Everything
Keep call logs, voicemails, letters, and screenshots.
Step 4: Limit Contact
You can request that they stop calling you at work or restrict communication methods.
Step 5: File Complaints
(CFPB)
State Attorney General
Step 6: Speak With a Consumer Rights Attorney
If violations occurred, you may be entitled to:
Up to $1,000 in statutory damages
Attorney fees and court costs paid by the collector
Final Thoughts
You do not have to tolerate repeated calls, false threats, or collection attempts for debts you do not owe. Viking Client Services must follow the law, just like any other debt collector.
If their conduct crosses into harassment, the FDCPA gives you powerful tools to protect yourself, and to hold them accountable.
About Us
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 Viking Client Services 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 Viking Client Services. call us at 877-700-5790 for immediate assistance or visit our website.
Success Stories
- “I was being harassed non-stop by debt collectors until I found Consumer Rights Law Firm PLLC. They immediately took action and the calls stopped within days. Their team is professional, responsive, and genuinely cares about protecting consumers’ rights. I finally feel at peace.”
- “Consumer Rights Law Firm PLLC helped me when I felt completely overwhelmed. I didn’t even know the debt collector was violating the law until they explained my rights clearly. Thanks to them, I was able to push back and even received a settlement.”
- “I highly recommend this firm to anyone facing harassment from collection agencies. The attorneys at Consumer Rights Law Firm PLLC are knowledgeable and fearless. They fought hard on my behalf and won. I’m so grateful for their support!”
- “Excellent experience with Consumer Rights Law Firm PLLC. Their process was simple, and they kept me informed at every step. They not only stopped the harassing calls but also helped me recover compensation. True advocates for consumers!”
FAQs
Is VCS a scam?
No, Viking Client Services has been in business for 46 years.
Can Viking Client Services garnish my wages?
Yes, VCS can garnish your wages on a Federal Student loan or if they obtain a judgment from the courts. If you do not actually owe the debt, you have legal options to dispute the claim and should not ignore any legal notices.
Can VCS sue me?
Yes, VCS can sue you so long as the debt is within the statute of limitations. If you are overwhelmed by debt or facing aggressive collection tactics, bankruptcy may be an option to consider as a legal remedy.
Can VCS report my debt to the collection bureaus?
Yes, Debt collectors are allowed to place the collection account on your credit report. If you believe the debt is not owed or is the result of identity theft, you should dispute the debt and consider filing a police report to protect your rights.
Can VCS arrest me?
Debt collectors don’t have the authority to have you arrested for a debt. However, if you violate a court order, e.g. an order to appear in court, the judge can issue a warrant for your arrest. Depending on the laws in your state, you may be arrested for certain debts like unpaid child support or traffic tickets.
