ConServe: Who They Are and Your Rights

Type

Collection agency

Also known as

Continental Services Group, Inc. d/b/a ConServe

Headquarters

Fairport, NY

Collects

student loans and higher education balances, credit union and bank accounts, government accounts, overdue federal taxes (IRS private debt collection), commercial accounts

Phone numbers it lists

(800) 724-7500, (844) 853-4875

Website

conserve-arm.com

823 debt collection complaints were sent to the Consumer Financial Protection Bureau about Continental Services Group, Inc. d/b/a ConServe 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 ConServe?

ConServe is the name consumers see; the CFPB's complaint database lists the company as Continental Services Group, Inc. doing business as ConServe. The company says it has operated since 1985 and lists its address as 200 CrossKeys Office Park in Fairport, New York. It describes itself as an accounts receivable management firm "purposefully focused on collection solutions" and runs a training program called ConServe University.

Why ConServe May Be Contacting You

ConServe says it serves higher education, financial institutions and credit unions, government and commercial lenders. Based on those client types, a ConServe letter will usually concern one of three kinds of accounts:

• School and student loan balances. Unpaid tuition, fees or a loan owed to a college or other higher education client.
• Credit union and bank accounts. A defaulted credit card, personal loan or overdrawn checking account.
• Overdue federal taxes. ConServe says the IRS selected three private collection agencies, including ConServe, to work on its behalf.

The tax accounts deserve special care because scammers often pose as IRS collectors. ConServe's IRS page says the IRS first sends you a notice (a CP40) saying your account has been assigned to ConServe, and ConServe's own letter follows; both carry an identifier used for authentication. ConServe says it contacts taxpayers by mail and phone, not by email, text or social media, and that "all payments are made payable and directly to the IRS," not to ConServe. If anyone asks you to pay a tax debt to them, or by gift card or wire, stop and verify with the IRS directly.

How to Check a Debt ConServe Says You Owe

How you verify depends on which kind of account it is.

• For a school, credit union or bank account, read the validation notice for the creditor's name, the itemized balance and your dispute deadline (15 U.S.C. § 1692g; 12 C.F.R. § 1006.34), and dispute in writing before it if something is off. For a school balance, ask for the student account ledger showing charges, financial aid and refunds.
• For an IRS account, make sure you received the IRS CP40 notice first. Check the tax years and amounts against your own IRS records, which you can see through your IRS online account.
• Ask who owns the account. A college or credit union usually still owns a placed account, but confirm it.
• Check the dates. For ordinary consumer debts, Texas generally allows four years to sue (Tex. Civ. Prac. & Rem. Code § 16.004), and debt buyers may not sue on time-barred consumer debt (Tex. Fin. Code § 392.307). Federal taxes and many federal student loans are governed by different federal rules, and other states have their own limitation periods.

What ConServe Can and Can't Do

ConServe collects debts owed to others, which makes it a "debt collector" under 15 U.S.C. § 1692a(6). Things it may not do include:

• Falsely threaten arrest, wage seizure or other action it cannot take or does not intend to take (15 U.S.C. § 1692e(4), (5)).
• Call more than seven times in seven days about one account (12 C.F.R. § 1006.14(b)(2)).
• Contact you at work once it knows your employer forbids such calls (15 U.S.C. § 1692c(a)(3)).
• Keep collecting during your validation period after a timely written dispute until it sends verification (15 U.S.C. § 1692g(b)).

We did not find an enforcement action against ConServe in the CFPB's enforcement actions list, the FTC's case database, the Connecticut Department of Banking's 2016–2026 consumer credit orders, California DFPI enforcement records or the New York DFS enforcement actions list, which we checked in November 2026. For defaulted federal student loans, see our update on federal student loan collections.

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 ConServe 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

• ConServe: About
• ConServe: Contact
• ConServe: IRS debt collector page
• ConServe: home page
• CFPB Consumer Complaint Database: Continental Services Group, Inc. d/b/a ConServe, debt collection

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