Client Services, Inc.: Who They Are and Your Rights

Type

Collection agency

Also known as

Client Services; CSI

Headquarters

Earth City, MO

Collects

charged-off accounts for banks and other lenders

Phone numbers it lists

(800) 521-3236

Website

clientservices.com

355 debt collection complaints were sent to the Consumer Financial Protection Bureau about Client Services, Inc. from November 13, 2023 to November 12, 2026. A complaint is a consumer's account, not a finding that the company broke the law. Read the complaints in the CFPB database.

Who Is Client Services, Inc.?

Client Services, Inc., often abbreviated CSI, is an accounts receivable management company founded in 1987. Its main campus is at 514 Earth City Expressway, Suite 310, in Earth City, Missouri, in the St. Louis area, and it also runs a call center in Costa Rica. The company lists NMLS company number 934561. Besides collections, it offers customer-care outsourcing and healthcare services such as benefit verification, insurance authorization and medical billing.

CSI warns on its website that an unrelated business has called people offering mortgage modifications and credit card rate reductions while calling itself "Client Services." The company says it has no connection to those calls.

Why Client Services, Inc. May Be Contacting You

CSI's recovery page says its clients include "many of the largest and most sophisticated lending institutions in the country" and describes its main collection work as third-party, post-charge-off recovery. In plain terms, a CSI collection call is most likely about a credit card or loan that a bank or other lender wrote off and then placed with CSI to collect on its behalf.

CSI's FAQ adds a few useful details. It says it doesn't buy or sell consumer debt, so it shouldn't appear as the owner of any account. It also says it doesn't currently report accounts to credit bureaus, though it may pull your credit report, which can show up as an inquiry. Because CSI also does customer-service work, its FAQ notes that some of its calls aren't about collections at all. Its toll-free number is (800) 521-3236 (TTY: dial 711).

How to Check a Debt Client Services, Inc. Says You Owe

With charged-off bank accounts, the key questions are who owns the debt and how old it is. CSI collects for the lender, so the lender, not CSI, is the creditor.

• Look for the validation notice described in 15 U.S.C. § 1692g and 12 C.F.R. § 1006.34. It must name the creditor and itemize the balance from a set date, such as the charge-off date.
• Send a written dispute within the validation period if you don't recognize the account, think it was paid, or disagree with the amount. CSI must stop collecting until it sends verification.
• Compare the balance with your last statements. Interest and fees added after charge-off should appear in the itemization.
• Find the date of your last payment. Texas generally allows four years to sue on a credit card or loan (Tex. Civ. Prac. & Rem. Code § 16.004); see our page on the statute of limitations on credit card debt. If the account is later sold, a debt buyer can't sue on time-barred consumer debt (Tex. Fin. Code § 392.307). Other states apply different periods.

What Client Services, Inc. Can and Can't Do

Collecting debts owed to banks and other lenders makes CSI a "debt collector" under 15 U.S.C. § 1692a(6). Points worth knowing:

• It can't imply it owns the account or misstate who the creditor is (15 U.S.C. § 1692e).
• Its call volume is limited to seven attempts in seven days per debt (12 C.F.R. § 1006.14(b)(2)); see our Regulation F summary.
• If you tell it in writing to stop contacting you, it must stop except for limited notices (15 U.S.C. § 1692c(c)); see the 11-word phrase.
• It can't threaten a lawsuit on the lender's behalf unless one is actually planned and legally possible.
• Under Texas law, a credit card judgment can't be collected by garnishing wages.

If you've been sued, our debt lawsuit questions can help you get oriented. If you think CSI broke the rules, our FDCPA attorneys can review it.

We Sue Debt Collectors That Break the FDCPA

Texas Debt Law files Fair Debt Collection Practices Act lawsuits against debt collectors in federal court for consumers in Texas, California, Illinois, Georgia and Colorado. If Client Services, Inc. or anyone collecting for it harassed you, misstated what you owe, threatened action it could not take, or told others about your debt, you may have a claim. A court can order a collector that violated the FDCPA to pay your actual damages, up to $1,000 in additional statutory damages, and your attorney's fees and costs (15 U.S.C. § 1692k(a)). An FDCPA claim generally must be filed within one year of the violation (§ 1692k(d)), so keep your letters, call logs, voicemails and screenshots, and talk to us early. Texas residents may also have claims under the Texas Debt Collection Act. Learn more from our FDCPA attorneys.

Free FDCPA Case Review(214) 851-2250

Or start your free case evaluation online. No lawyer can promise a result; every claim depends on its facts and proof.

Sources

• Client Services, Inc.: home page
• Client Services, Inc.: Markets and services
• Client Services, Inc.: Accounts receivable recovery
• Client Services, Inc.: Consumer FAQs
• Client Services, Inc.: Contact us
• Client Services, Inc.: NMLS information
• CFPB Consumer Complaint Database: Client Services, Inc., debt collection

This profile is general information compiled from public sources, not legal advice, and it does not state or imply that Client Services, Inc. has violated any law. Company details change; tell us if something here is out of date.