A text or letter from Reliant Capital Solutions can leave you unsure whether you owe anything at all. Court records show three federal lawsuits accuse Reliant of inflating balances and ignoring debt disputes. Before you respond to any message, it helps to know exactly who is contacting you and why.
Key Takeaways
- Reliant Capital Solutions, LLC is a real, licensed debt collector founded in 2007 and headquartered in Columbus, Ohio
- Three federal lawsuits allege Reliant inflated debt balances and ignored written disputes 🧾
- BBB complaints reportedly cite validation failures and surprise credit reporting
- Reliant is not the same company as Reliant Payments, Reliant Management Solutions, or Reliant Solutions Group
- FDCPA violations can carry up to $1,000 in statutory damages plus attorney fees
- The Wood Firm PLLC works on contingency, so you pay nothing unless we win
Free Case Review: +1-844-638-1122
Who Is Reliant Capital Solutions?
Reliant Capital Solutions, LLC is a woman-owned debt collection agency and debt buyer founded in 2007. The company runs its headquarters out of Columbus, Ohio, and keeps a second office in Indianapolis, Indiana. Reliant specializes in accounts receivable for higher education, government agencies, and healthcare providers.
Reliant holds PCI-DSS, HIPAA, and FISMA certifications. Those certifications confirm data-security standards. They say nothing about whether a collection letter complies with federal law.
In our practice, we pull the original creditor agreement on every Reliant file we open. That document tells us whether the balance Reliant lists matches what the original lender or provider actually authorized. A mismatch often points straight to an FDCPA claim.
- Also known as: No documented aliases; often confused with unrelated companies like Reliant Payments
- Headquarters: Columbus, Ohio, with an additional office in Indianapolis, Indiana
- Phone: (866) 837-5096 | 866-837-5096 | +1 866-837-5096 | 8668375096
- Dispute email: dispute@reliant-cap.com
- Website: reliantcapitalsolutions.com
- BBB Profile: Reliant Capital Solutions BBB listing
How Do You Contact Reliant Capital Solutions?
You can contact Reliant Capital Solutions by phone, certified mail, or their dispute email address. Their main line rings at (866) 837-5096, listed above in several formats so you can save it correctly. Their payment portal sits at reliantcapitalsolutions.com, and their dispute inbox is dispute@reliant-cap.com.
If a text message directs you to a different link, do not click it. Go directly to reliantcapitalsolutions.com instead, and compare the account number referenced against your own records.
Why Is Reliant Capital Calling You?
Reliant Capital Solutions is calling you because a creditor assigned or sold your account to them for collection. Reliant works both sides of that relationship. Sometimes it collects on behalf of the original creditor, and sometimes it buys the debt outright.
- Student loans: university and college debt makes up Reliant’s core specialty
- Government accounts: state and federal agency balances, including tax-related debt
- Healthcare: hospital and medical provider balances
- Commercial accounts: business-to-business receivables
Reliant also texts consumers as a standard contact channel alongside letters and calls. A legitimate Reliant text references a specific account and points you to their official portal. Confirm any link independently before you click it.
Is Reliant Capital Solutions a Scam?
Reliant Capital Solutions is a real, licensed debt collector, but licensed does not mean every tactic is legal. The confusion around Reliant mostly stems from name overlap with unrelated companies.
- Reliant Payments (reliant-payments.com): an entirely different company
- Reliant Management Solutions: unrelated
- Reliant Solutions Group: an unrelated debt consolidation company
- Reliant Loan Servicing: an unrelated mortgage servicer
If you are unsure which Reliant company contacted you, call the number on your letter or text. Ask the representative to confirm their full legal name and state of registration. Also confirm the Columbus, Ohio address before you say anything else.
Is Reliant Capital Solutions Banned by the FTC?
No. Reliant Capital Solutions has not been banned by the FTC. That does not mean regulators have ignored the company’s practices.
Consumers have filed active BBB complaints, and three separate federal lawsuits document a recurring balance-inflation pattern. Reportedly, several consumers describe unanswered validation requests as the trigger for their complaints.
In our practice, we cross-check BBB complaint patterns against the exact letter language a client received. When the same phrase or fee shows up repeatedly, it becomes evidence rather than coincidence.
Has Reliant Capital Solutions Been Sued?
Yes. Reliant Capital Solutions has been named as a defendant in multiple federal lawsuits.
- Grambo v. Reliant Capital Solutions, LLC (2018): Allegedly claimed Reliant’s letters falsely stated growing balances.
- Unauthorized Collection Costs Class Action, New York (2017): Allegedly added over $75 in unauthorized fees and ignored a dispute.
- FDCPA Violations, Indiana (2016): Allegedly misstated a debt amount and added improper attorney fees.
All three cases center on one theme. Reliant’s letters allegedly overstated what consumers actually owed. If your letter lists fees or interest you don’t recognize, request an itemized breakdown first.
In our practice, we compare every disputed balance against the docket filings from these three cases. A matching pattern often strengthens a client’s own FDCPA claim.
Can Reliant Capital Solutions Sue You or Garnish Your Wages?
Yes. Reliant can sue you if the debt is valid and still within your state’s statute of limitations. That window typically runs three to six years, depending on the debt type and your state.
Wage garnishment requires a court judgment first. A threat of garnishment before Reliant has sued and won may violate the FDCPA.
If a lawsuit summons arrives, respond before the deadline. That window usually runs 20 to 30 days, depending on your state. Ignoring it triggers an automatic default judgment.
What Do Reliant Capital Solutions Reviews Say?
Reliant Capital Solutions reviews and BBB complaints reportedly cluster around two issues. Consumers describe disputing a debt and receiving an inadequate or nonexistent response. Others describe negative credit reporting that appeared without any prior warning.
Their BBB complaint file remained active as of early 2026. 🔍
Does Reliant Capital Solutions Do Pay for Delete?
No, Reliant does not publicly advertise a pay-for-delete policy, though it is reportedly negotiable case by case. If you settle a valid debt, get deletion from all three bureaus in writing first. Never pay first and ask for deletion afterward.
Payment options include their online portal at reliantcapitalsolutions.com and their phone line at (866) 837-5096. Given the three lawsuits alleging inflated amounts, compare any fees or interest against your original agreement first.
How Do You Remove Reliant Capital Solutions From Your Credit Report?
You can remove Reliant Capital Solutions from your credit report by disputing errors or negotiating pay-for-delete.
- If the entry is inaccurate, dispute it in writing with each bureau and include documentation of the error. Given the BBB complaint pattern around unexpected reporting, verify the original delinquency date and reported balance.
- If the entry is accurate, negotiate pay-for-delete in writing before you pay, naming all three bureaus.
- The seven-year reporting clock runs from the original delinquency date, not when Reliant acquired the account.
- FCRA grounds may apply if Reliant reported inaccurate information. Learn more about your protections under the Fair Credit Reporting Act.
In our practice, we pull a client’s full credit file before sending any dispute letter. A Reliant tradeline sometimes reports different dates or balances at each bureau. That inconsistency alone can support an FCRA claim.
How The Wood Firm PLLC Helps Stop Reliant Capital Solutions Debt Harassment
Reliant’s three lawsuits all center on the same vulnerability. What their letters say you owe does not always match what they can legally charge. We examine every letter against your original account terms for exactly that gap.
We send legal notice immediately, which typically stops contact within 48 hours. We pursue every documented FDCPA, FCRA, and TCPA violation on contingency, so you pay nothing unless we win. Reach our team directly at +1-844-638-1122.
Reliant’s letters aren’t the final word on what you owe. Visit our contact page or call +1-844-638-1122 for a free case review.
The Wood Firm PLLC handles these cases on contingency. If Reliant broke the law, they pay our fees.
Frequently Asked Questions About Reliant Capital Solutions
Is Reliant Capital Solutions legitimate or a scam
Legitimate. Reliant is a real, licensed, woman-owned debt collector founded in 2007 and based in Columbus, Ohio. Three federal class actions document a pattern of allegedly inflated balances and unauthorized fees.
Is Reliant Capital Solutions the same company as Reliant Payments
No. Reliant Payments and Reliant Management Solutions are unrelated companies. Reliant Capital Solutions is specifically the Columbus, Ohio collector that focuses on student loans and government accounts.
Why is Reliant Capital Solutions calling or texting you
A creditor likely assigned or sold a debt tied to your name. Verify the account with the original creditor before you engage further.
What is Reliant Capital Solutions’ phone number
Their main line is (866) 837-5096, also written as 866-837-5096 or 8668375096. Their dispute email is dispute@reliant-cap.com, and their website is reliantcapitalsolutions.com.
Does Reliant Capital Solutions send text messages
Yes, Reliant uses text messaging alongside letters and phone calls. A legitimate text references a specific account. Verify any link independently before clicking it.
Does Reliant Capital Solutions sue consumers
Yes, Reliant can sue if a debt is valid and within your state’s statute of limitations. As a collector on student loan accounts, Reliant does pursue litigation on unpaid balances.
What were the Reliant Capital Solutions lawsuits about
All three documented cases allegedly involve overstated balances through unauthorized fees, inflated interest, or improper attorney costs. One case also allegedly involved an ignored debt dispute entirely.
Can you sue Reliant Capital Solutions
Possibly, if their letters included unauthorized fees, inflated balances, or ignored your debt dispute. Those may be actionable FDCPA violations worth up to $1,000 in statutory damages plus attorney fees.
What Should You Do Next About Reliant Capital Solutions?
If a Reliant letter lists unfamiliar fees or balances, request a written itemization first. Save every letter, text, and voicemail you receive along the way. The Wood Firm PLLC reviews these files on contingency, so call +1-844-638-1122 for a free file review today.
Jeff Wood represents consumers exclusively, never creditors or collectors. He holds federal court admissions across 9 districts, including all courts of AR, CO, NM, and TX. He practices from Little Rock, AR.
