RTR Financial Services: Who They Are and Your Rights

Type

Collection agency

Also known as

R.T.R. Financial Services, Inc.; RTR Financial Services, Inc.; RTR

Headquarters

Staten Island, NY

Collects

medical, dental and EMS bills, utility bills, parking and traffic violations, government fines, fees and business taxes

Phone numbers it lists

(718) 668-2881

Website

rtrfs.com

56 debt collection complaints were sent to the Consumer Financial Protection Bureau about R.T.R. Financial Services, 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 RTR Financial Services?

RTR Financial Services, Inc. (spelled R.T.R. in the CFPB database) describes itself as "a national leader in account management services." Its headquarters is at 2 Teleport Drive, Suite 302, Staten Island, New York 10311, phone (718) 668-2881. Its website lists additional offices in Washington, D.C.; Miami, Orlando, Sanford and Naples, Florida; Woburn, Massachusetts; Madison, Mississippi; and Armonk and Buffalo, New York. The company says it has operated since 1998, and the BBB lists Robert T. Reilly as president.

Why RTR Financial Services May Be Contacting You

RTR's industries page lists a wide range of clients:

• healthcare practices, dental offices and EMS and ambulance services;
• utilities;
• government agencies, including parking and traffic violations, fines and penalties, park and recreation fees, business taxes and animal control citations.

It also runs an appeals program that challenges insurers' reimbursement denials, and offers self-pay collections. So an RTR letter could be about an ambulance ride your insurer didn't fully pay, a medical bill, or an unpaid ticket or fee owed to a city. Its website offers an account lookup, payment receipts, requests for the original bill, installment plans and an online dispute form.

How to Check a Debt RTR Financial Services Says You Owe

Start by figuring out whether the account is a consumer debt or a government charge, because different rules can apply.

• Medical and EMS bills: ask RTR for the original bill (its site has a form for this) and compare it with your explanation of benefits. If a claim was denied, ask whether it was appealed. A licensed Texas facility must send an itemized bill before pursuing collection (SB 490).
• Validation notice: for consumer debts, RTR must send a notice naming the creditor, itemizing the amount and giving a dispute deadline (15 U.S.C. § 1692g; 12 C.F.R. § 1006.34). Dispute in writing before it.
• Tickets and fines: ask for the citation number, date and issuing agency, and check whether you already paid or contested it. Courts have generally held that fines and taxes are not FDCPA "debts," so your remedies may run through the agency rather than the FDCPA.
• Limitations: for consumer debts in Texas, a creditor generally has four years to sue (Tex. Civ. Prac. & Rem. Code § 16.004), and debt buyers can't sue on time-barred debt (Tex. Fin. Code § 392.307). New York and other states differ.

What RTR Financial Services Can and Can't Do

For consumer debts such as medical, EMS and utility bills, RTR is a "debt collector" under 15 U.S.C. § 1692a(6). In that role it:

• May not misrepresent the amount owed or add unauthorized fees (15 U.S.C. §§ 1692e(2), 1692f(1)).
• May not share your medical account with your employer or relatives beyond location requests (15 U.S.C. § 1692c(b)).
• Must report a disputed debt as disputed (15 U.S.C. § 1692e(8)). Paid medical collections and those under $500 no longer appear on credit reports (details).
• Must respect the seven-calls-in-seven-days presumption (12 C.F.R. § 1006.14(b)(2)).

We did not find a CFPB enforcement action against RTR Financial Services.

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 RTR Financial Services 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

• RTR Financial Services: home page
• RTR Financial Services: Locations
• RTR Financial Services: Industries we serve
• BBB business profile: RTR Financial Services, Inc. (business facts only)
• CFPB enforcement actions (full list reviewed)
• CFPB Consumer Complaint Database: R.T.R. Financial Services, Inc., debt collection

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