RentDebt Automated Collections (RDAC) is a Tennessee collection agency that recovers unpaid rent and other balances from former residents for apartment, student housing and other rental owners. A letter from RDAC usually means a former landlord placed your final balance with it.
- Type
- Collection agency
- Also known as
- RentDebt Automated Collections, LLC; RDAC; RentDebt
- Collects
- unpaid rent, apartment move-out balances, student housing balances, storage unit balances
- Phone numbers it lists
- (866) 376-7834
- Website
- rentdebt.com
1,503 debt collection complaints were sent to the Consumer Financial Protection Bureau about RentDebt Automated Collections, 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 RentDebt Automated Collections?
RentDebt Automated Collections, LLC (RDAC) is a collection agency focused on multifamily and rental debt. Its About page tells the story: RentDebt, Inc. was started in 2005 by apartment industry executives, and in 2007 it combined with Automated Collection Services, Inc., a collector operating since 1988, to form RDAC. The About page describes a 25,500-square-foot call center next to the Opryland Hotel in Nashville, Tennessee, and the home page lists Goodlettsville, Tennessee. The site lists NMLS number 980133 and says the company is licensed nationally.
Why RentDebt Automated Collections May Be Contacting You
RDAC's clients are multifamily property management firms, independent rental owners, student housing operators, and other markets such as single-family rentals and storage units. When a resident moves out owing money, the property can send the final balance to RDAC. Its FAQ says the documents behind an account typically include the lease, a breakdown of final charges and, in some cases, a court judgment.
RDAC's contact page gives (866) 376-7834 as the number for former residents. Payments run through an online portal linked from its site.
One feature of RDAC's process is worth knowing: its FAQ says it sends a validation letter the day after an account is finalized in its system, gives the resident 30 days to validate, pay or make arrangements, and begins credit reporting on day 31, updating the three major bureaus twice a month. If you plan to dispute, do it early.
How to Check a Debt RentDebt Automated Collections Says You Owe
Former tenants often find that the final ledger includes items they never saw itemized. Use the validation period to get the details.
- Open and keep the first letter. That validation notice (15 U.S.C. § 1692g; 12 C.F.R. § 1006.34) names the property or owner you supposedly owe and breaks down the balance, and its date starts your dispute window.
- Dispute in writing before the deadline on the notice. Ask for the lease, the final account statement, the move-out inspection and any judgment. A timely written dispute requires RDAC to stop collecting until it sends verification.
- Find out whether there is already a judgment. If the landlord sued you in an eviction or debt case, the amount may be set by that judgment; if not, the balance is still just a claim.
- Reconcile your deposit. Under Tex. Prop. Code §§ 92.103–92.104, a Texas landlord generally must return the deposit or provide an itemized list of deductions within 30 days after surrender.
- Check the age. RDAC's own FAQ says it cannot actively collect accounts past the statute of limitations. In Texas, the general period to sue on a consumer debt is four years (Tex. Civ. Prac. & Rem. Code § 16.004); other states differ.
What RentDebt Automated Collections Can and Can't Do
As an agency collecting rent owed to property owners, RDAC is a "debt collector" under 15 U.S.C. § 1692a(6). That means:
- When it reports to credit bureaus, it must report a dispute you raise, and it may not knowingly report false information (15 U.S.C. § 1692e(8)).
- Its FAQ says a paid or settled account is updated to that status rather than deleted, and that collection records stay on a report for up to seven years. See how long a collection can stay on your report.
- It may not threaten eviction or legal action it cannot or will not take, and Texas does not allow wage garnishment for an ordinary consumer debt like unpaid rent.
- It may not contact your new landlord or employer about the debt except in the narrow ways the FDCPA permits (15 U.S.C. § 1692c(b)).
If RDAC's collection seemed unlawful, our Texas FDCPA attorneys page explains how to get it reviewed.
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 RentDebt Automated Collections 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
- RDAC: home page
- RDAC: About
- RDAC: FAQs
- RDAC: Contact
- CFPB Consumer Complaint Database: RentDebt Automated Collections, LLC, debt collection
This profile is general information compiled from public sources, not legal advice, and it does not state or imply that RentDebt Automated Collections has violated any law. Company details change; tell us if something here is out of date. Lea este perfil en español.