InvestiNet: Who They Are and Your Rights

Type

Collection agency

Also known as

InvestiNet LLC; InvestiNet, LLC

Headquarters

Greenville, SC

Collects

consumer finance accounts, fintech accounts, utility bills

Phone numbers it lists

(833) 621-9980

Website

investinet.com

35 debt collection complaints were sent to the Consumer Financial Protection Bureau about InvestiNet LLC 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 InvestiNet?

InvestiNet LLC is a debt collection company at 910 Pinckney Street, Greenville, SC 29609. Its website says it has operated since 2011 and that more than 100,000 people have resolved accounts with it. Every page carries the standard notice that it is a debt collector attempting to collect a debt.

InvestiNet links to its record on NMLS Consumer Access, the licensing system many states use for collection agencies, under NMLS ID 937604. It also posts a compliance manager certificate number. We did not find a CFPB enforcement action against InvestiNet.

Why InvestiNet May Be Contacting You

InvestiNet describes itself as a third-party servicer. Its FAQ says it does not own the debt; it services accounts for the creditors that place them, and it got your contact information from that creditor. Its business pages are aimed at consumer finance lenders, fintech companies, financial services firms and utilities, so a message from InvestiNet usually concerns an old loan, a line of credit or a utility balance.

The FAQ also answers a question many people ask: why they are hearing about an account for the first time. InvestiNet says earlier contact attempts may have failed because of outdated information, or collection may have paused. It says accounts are often moved between servicers over the life of a debt, and while the account is placed with it, collection may continue. Its consumer line is (833) 621-9980. It takes checks, bank payments and debit cards but not credit cards, and it does not accept walk-in payments.

How to Check a Debt InvestiNet Says You Owe

Older accounts that have moved through several servicers are where gaps in the paper trail tend to show up. Take these steps:

• Read the validation notice closely. It must give the itemization date, the balance on that date, and any interest, fees, payments and credits since then (15 U.S.C. § 1692g; 12 C.F.R. § 1006.34).
• Dispute in writing within the validation period if anything looks off. Ask for the original account agreement and the last statement from the original lender. See how to dispute a debt.
• Confirm who owns the account. Because InvestiNet says it does not own the debt, ask it to name the current owner. Its FAQ suggests checking with the party you plan to pay before you pay anyone else.
• Find out whether a judgment exists. InvestiNet's FAQ notes that a judgment can change how an account is handled. Search your county's court records.
• Check the age of the debt. An account old enough to have fallen off your credit report may also be past the deadline to sue. In Texas that deadline is generally four years (Tex. Civ. Prac. & Rem. Code § 16.004), and debt buyers may not sue on time-barred consumer debt (Tex. Fin. Code § 392.307). Other states differ.

What InvestiNet Can and Can't Do

A company that regularly collects debts owed to others is a "debt collector" under 15 U.S.C. § 1692a(6), whether or not it owns the accounts. For InvestiNet's accounts:

• InvestiNet says it does not report to Experian, Equifax or TransUnion, so paying it should not by itself change your credit report. Ask the creditor or the bureaus about reporting.
• Making a small payment on an old debt can affect your rights in some states. Get the limitation question answered before you pay.
• It may text or email you, but each message must give you a simple way to opt out (12 C.F.R. § 1006.6(e)). See texts and emails from collectors.
• It cannot misstate the amount or legal status of the debt, or threaten action it doesn't intend to take (15 U.S.C. § 1692e).

Questions about a specific contact? Start with our Texas FDCPA attorneys page.

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 InvestiNet 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

• InvestiNet: home page
• InvestiNet: About us
• InvestiNet: FAQ
• InvestiNet: Contact us
• NMLS Consumer Access: InvestiNet (NMLS ID 937604)
• CFPB enforcement actions list (checked pages 1-17)
• CFPB Consumer Complaint Database: InvestiNet LLC, debt collection

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