Renton Collections: Who They Are and Your Rights

Type

Collection agency

Also known as

Renton Collections Inc.; Renton Collections, Inc.; RCI

Headquarters

Renton, WA

Phone numbers it lists

(425) 255-8231, (800) 655-8231

Website

rentoncollections.com

37 debt collection complaints were sent to the Consumer Financial Protection Bureau about Renton Collections 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 Renton Collections?

Renton Collections, Inc., which uses the initials RCI, is a collection agency at 1200 Whitman Court NE, Suite B, Renton, Washington 98059, with a mailing address at P.O. Box 2437, Renton, WA 98056. Its website says the company "was acquired in 1981 as a full-service professional debt collection agency," describes it as "family owned and operated for over 40 years," and calls it one of the largest agencies in South King County. RCI says it is "a licensed and bonded agency in the state of Washington" and a member of the American Collectors Association and the Washington Collectors Association.

Its phone numbers are (425) 255-8231 and (800) 655-8231 toll-free, and its hours are 8 a.m. to 5 p.m., Monday through Friday. The site has a "Pay Now" option.

Why Renton Collections May Be Contacting You

RCI focuses on the Seattle metropolitan area and says it belongs to specialized groups tied to its "clients' various industries," but it does not list those industries or name its clients. One client testimonial on its site refers to "our patients," so healthcare providers are likely among them. If you lived or received services in the Seattle area and later moved, a letter from RCI may concern a bill you left behind. Check the creditor name and service dates in the letter.

How to Check a Debt Renton Collections Says You Owe

Local agencies often handle older accounts from providers you may have forgotten. To check one:

• Review the validation notice. It must identify the creditor, break down the balance and give a dispute deadline (15 U.S.C. § 1692g; 12 C.F.R. § 1006.34).
• Dispute in writing if the debt doesn't look right. RCI must stop collecting until it mails verification.
• Ask the original provider for the account history, including any insurance payments and adjustments after you left the area.
• Watch for added amounts. Ask RCI to explain any interest, collection costs or fees added after placement, and the legal basis for them.
• Mind the limitations period. Texas generally gives four years to sue on a consumer debt (Tex. Civ. Prac. & Rem. Code § 16.004), and debt buyers can't sue on time-barred consumer debt (Tex. Fin. Code § 392.307). Washington and other states have different deadlines, so a debt from another state may be governed by a different period.

What Renton Collections Can and Can't Do

RCI collects debts owed to its clients, which makes it a "debt collector" under 15 U.S.C. § 1692a(6). That means it:

• May not collect any amount not expressly authorized by the agreement or permitted by law (15 U.S.C. § 1692f(1)); see collection fees.
• May not contact you at inconvenient times, generally before 8 a.m. or after 9 p.m. (15 U.S.C. § 1692c(a)(1)).
• May not discuss the debt with your relatives or coworkers, beyond asking how to reach you (15 U.S.C. § 1692c(b)).
• May not call more than seven times in seven days about one debt (12 C.F.R. § 1006.14(b)(2)).

We did not find a CFPB enforcement action against Renton 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 Renton 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

• Renton Collections: home page
• CFPB enforcement actions (full list reviewed)
• CFPB Consumer Complaint Database: Renton Collections Inc., debt collection

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