Sequoia Financial Services: Who They Are and Your Rights

Type

Collection agency

Headquarters

Agoura Hills, CA

Collects

healthcare accounts, utility bills, subrogation claims, assigned court judgments

Phone numbers it lists

(818) 409-6000, (888) 544-9711

Website

sequoiafinancial.com

108 debt collection complaints were sent to the Consumer Financial Protection Bureau about Sequoia Financial Services 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 Sequoia Financial Services?

Sequoia Financial Services is a collection agency based at 28632 Roadside Drive, Suite 115, in Agoura Hills, California. Its website lists California Department of Financial Protection and Innovation debt-collection license No. 10812-99, company NMLS ID 1416616, and Nevada collection agency license CAD11885. Its published numbers are (818) 409-6000 and (888) 544-9711 toll-free.

The website groups its work into five areas: healthcare (including off-site extended accounts-receivable management, which it calls Health Care EBOS), subrogation, utilities, litigation, and assigned judgments. We did not find a CFPB enforcement action against Sequoia Financial Services.

Why Sequoia Financial Services May Be Contacting You

Each of Sequoia's service lines produces a different kind of contact:

• Healthcare. A hospital or medical provider may have asked Sequoia to follow up on a patient balance, sometimes before the account is treated as bad debt.
• Utilities. A final bill from a closed electric, gas, water or similar account.
• Subrogation. An insurer that paid for damage, for example after a car accident, may be trying to recover from the person it believes caused it.
• Assigned judgments. A creditor that already won a court judgment against you may have assigned it to Sequoia to collect. In that case the debt is no longer just a claim; it's a court order, and the rules for enforcing it depend on the state where it was entered.

How to Check a Debt Sequoia Financial Services Says You Owe

Ask Sequoia which category your account falls into, then request the matching records.

• For any consumer debt, the validation notice (15 U.S.C. § 1692g; 12 C.F.R. § 1006.34) should name the creditor and itemize the balance. Send a written dispute within the validation period if anything is wrong.
• For a medical or utility balance, ask for the itemized bill or final statement and compare it with insurance payments or your final meter reading and deposit refund.
• For a judgment, ask for the case number, the court, the date of judgment and a copy of the assignment. Check the court's docket yourself; if you were never served, talk to a lawyer promptly about whether the judgment can be challenged.
• Ask who owns the account today.
• For debts that have not been reduced to judgment, Texas generally allows four years to sue (Tex. Civ. Prac. & Rem. Code § 16.004), and debt buyers can't sue on time-barred consumer debt there (Tex. Fin. Code § 392.307). Judgments have separate rules, and other states have their own periods.

What Sequoia Financial Services Can and Can't Do

Sequoia collects for others, which makes it a "debt collector" under 15 U.S.C. § 1692a(6) for consumer debts; California's Rosenthal Act also applies to its California collection activity. Some limits:

• It may not claim a judgment exists, or overstate one, if that isn't true (15 U.S.C. § 1692e(2)).
• Collecting on a judgment still requires following state law. A Texas judgment cannot be used to garnish wages for an ordinary consumer debt (Tex. Const. art. XVI, § 28), and many kinds of property are exempt.
• It may not tell your neighbors, family or employer about a medical or other debt (15 U.S.C. § 1692c(b)).
• Regulation F presumes a violation after more than seven calls in seven days about one debt (12 C.F.R. § 1006.14(b)(2)).

Our debt lawsuit questions explain judgments and exemptions. If you believe a collector broke the rules, speak with our FDCPA attorneys.

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 Sequoia 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

• Sequoia Financial Services: Home
• CFPB enforcement actions search
• CFPB Consumer Complaint Database: Sequoia Financial Services, debt collection

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