RSI Enterprises: Who They Are and Your Rights

Type

Collection agency

Also known as

RSI Enterprises, Inc.; RSI

Headquarters

Glendale, AZ

Collects

hospital and physician bills, government accounts (federal, state, city and county), credit union and bank accounts, utility bills

Phone numbers it lists

(800) 774-4003, (602) 263-4000, (703) 375-4385

Website

rsico.com

73 debt collection complaints were sent to the Consumer Financial Protection Bureau about RSI Enterprises, 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 RSI Enterprises?

RSI Enterprises, Inc. says it "began as a collection agency in 1986" and has grown into a receivables management company with offices in the Phoenix and Washington, D.C. metro areas. Its contact page lists 5440 W. Northern Avenue, Glendale, Arizona 85301, phone (602) 263-4000, and 21525 Ridgetop Circle, Suite 180, Sterling, Virginia 20164, phone (703) 375-4385. Its main toll-free number is (800) 774-4003. The company's website is rsico.com (not rsienterprises.com, which belongs to an unrelated business).

Why RSI Enterprises May Be Contacting You

RSI lists four markets:

• Healthcare: hospitals, physicians, medical centers and medical groups;
• Government: federal, state, city, town and county agencies;
• Financial institutions: credit unions and banks; and
• Utilities.

Its services include first-party collections and customer service (calling in the client's name), third-party collections, insurance billing and follow-up, and third-party liability work. That means you might hear from RSI about a hospital bill it is trying to get paid by your insurer, about a past-due balance in a client's name, or as a collection agency on an account in default. Ask which of these it is.

How to Check a Debt RSI Enterprises Says You Owe

The checks depend on the kind of account RSI is handling.

• Validation notice. In a third-party collection, RSI must send a notice naming the creditor, itemizing the debt and giving a dispute deadline (15 U.S.C. § 1692g; 12 C.F.R. § 1006.34). Dispute in writing within that period if you question the debt.
• Hospital bills. Since RSI also does insurance billing, ask whether your insurer was billed and whether a claim is still pending. Get an itemized bill; licensed Texas facilities must provide one before pursuing collection (SB 490).
• Government charges. Ask which agency is the creditor and what law the charge arises under; different collection rules can apply to fines, fees and taxes.
• Bank or credit union accounts. Compare the balance with the institution's charge-off statement and ask whether the account has been sold.
• Time limits. Most Texas suits on consumer debts must be brought within 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). Arizona and other states differ.

What RSI Enterprises Can and Can't Do

When RSI collects defaulted consumer debts for others, it is a "debt collector" under 15 U.S.C. § 1692a(6). First-party calls made in a client's name before default may fall outside the FDCPA, but the Texas Debt Collection Act still applies to Texans. In collection work, RSI:

• May not threaten arrest, wage garnishment or property seizure that isn't lawful and intended (15 U.S.C. § 1692e(4)). In Texas, ordinary consumer debts can't be collected by wage garnishment (Tex. Const. art. XVI, § 28).
• May not call you at work after learning your employer prohibits it (15 U.S.C. § 1692c(a)(3)).
• May not place more than seven calls in seven days about one debt without rebutting the Reg F presumption (12 C.F.R. § 1006.14(b)(2)).
• Must give a clear opt-out in any text or email (12 C.F.R. § 1006.6(e)).

We did not find a CFPB enforcement action against RSI Enterprises. See our FDCPA attorneys page if a collector has crossed the line.

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 RSI Enterprises 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

• RSI Enterprises: home page
• RSI Enterprises: About us
• RSI Enterprises: Contact us
• CFPB enforcement actions (full list reviewed)
• CFPB Consumer Complaint Database: RSI Enterprises, Inc., debt collection

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