Rosenthal, Morgan and Thomas called you because a creditor placed your account with them for collection. According to BBB records, the agency has accumulated 23 complaints in three years. Consumers have allegedly described garnishment threats on first contact, agents ending calls mid-dispute, and post-bankruptcy collection. Idaho’s Department of Finance issued a cease-and-desist order against RMT for operating without a license.
Key Takeaways
- Rosenthal, Morgan and Thomas Inc. (RMT); 12747 Olive Blvd, Suite 250, Earth City, MO 63141; not BBB-accredited; collects on security system, storage, and consumer service accounts.
- Named defendant in Bunch v. Rosenthal Morgan and Thomas (W.D. Wis., 2018), a proposed class action alleging a deceptive collection notice that inflated the debt balance without explanation.
- Idaho Department of Finance issued a cease-and-desist order for unlicensed collection activity, a documented state regulatory action against the agency.
- According to BBB complaint records, consumers have allegedly reported threatened garnishment on first contact, continued collection after bankruptcy discharge, and agents abruptly ending calls mid-dispute.
- FDCPA damages: up to $1,000 statutory per lawsuit plus actual damages; TCPA damages: $500–$1,500 per illegal automated call; attorney fees paid by the violating collector.
- The Wood Firm PLLC handles FDCPA, FCRA, and TCPA cases on contingency, if RMT violated federal law, they pay our fees.
Free Case Review: +1-844-638-1122
Who Is Rosenthal Morgan and Thomas?
Rosenthal, Morgan and Thomas Inc. is a third-party debt collection agency based in Earth City, Missouri. The agency collects on security system, self-storage, and consumer service accounts. Clients include Extra Space Storage, Brinks Security, Alert 360 Security, and Monitronics. RMT is not accredited by the Better Business Bureau.
In our practice, we pull the original creditor agreement and chain-of-assignment records on every RMT file. A broken assignment chain may mean RMT lacks legal standing to collect.
- Also Known As: Rosenthal Morgan & Thomas; RMT; Rosenthal Morgan and Thomas Inc.
- Address: 12747 Olive Blvd, Suite 250, Earth City, MO 63141
- Phone: 314-786-0070 | (314) 786-0070 | +1 314-786-0070 | 3147860070
- BBB Profile: Rosenthal Morgan and Thomas BBB listing
- BBB Accreditation: Not accredited
What Phone Numbers Does Rosenthal Morgan and Thomas Use?
Rosenthal Morgan and Thomas calls consumers from (314) 786-0070 and additional numbers associated with its Earth City office. GSC search data confirms “rmt inc call” and “rmt number” as active consumer searches. If any RMT number appears on your caller ID, document the date, time, and call content immediately. That log is the foundation of any FDCPA call-frequency claim.
Save every voicemail. Courts have found that 7–10 calls per day may constitute harassment under the FDCPA. Each documented call adds to the evidentiary record.
Why Is Rosenthal Morgan and Thomas Calling You?
Rosenthal Morgan and Thomas calls you because a creditor assigned or sold your account to them. The original creditor is typically a security monitoring company or self-storage facility. Per BBB complaint records, many consumers allegedly had no prior written notice before RMT’s first call.
Federal law requires RMT to send a written validation notice within five days of first contact. That notice must state the amount owed, the original creditor’s name, and your 30-day right to dispute. A missing or incomplete notice may be a standalone FDCPA §1692g violation.
BBB complaint records describe alleged garnishment threats made on the very first call. Threatening specific legal remedies without authority to pursue them may violate FDCPA §1692e.
RMT’s Documented Collection Tactics
Knowing RMT’s documented patterns helps you recognize when a call has crossed into a federal violation. The following tactics appear across multiple BBB complaints and consumer reviews.
- Threatening garnishment on first contact: According to BBB complaints, RMT representatives have allegedly threatened wage garnishment and property seizure during initial calls, before any lawsuit was filed or judgment obtained. Garnishment requires a court judgment, threatening it without one may violate FDCPA §1692e(4).
- Hanging up mid-dispute: Multiple BBB complaints and reviews describe RMT agents ending calls while consumers were still disputing the debt or explaining financial hardship. That pattern, when documented, supports a harassment claim under §1692d.
- Inflating or misrepresenting the balance: According to the Bunch class action complaint, RMT allegedly sent a collection notice that increased the debt balance without explanation. The FDCPA prohibits misrepresenting the amount owed under §1692e(2)(A).
- Collecting after bankruptcy discharge: At least one BBB complaint alleged RMT continued collection on a debt discharged under Chapter 7 bankruptcy. Collection on a discharged debt violates both the FDCPA and the federal bankruptcy discharge injunction.
- Reading SSN to verify identity: According to one BBB complaint, an RMT representative read the consumer’s last four Social Security digits aloud as a verification method rather than asking the consumer to provide them. That practice creates a security risk and may constitute a deceptive communication under §1692e.
- Refusing hardship payment plans: Multiple BBB complaints and reviews describe RMT refusing partial payments or any plan below a set monthly minimum, regardless of the consumer’s documented financial situation.
- Calls to wrong numbers without correction: According to one BBB complaint, RMT made repeated calls to a consumer who had no connection to the debt, even after the consumer explained the error. Each call to a non-debtor may be a standalone FDCPA violation.
On every RMT file, we pull the call log and any written cease-communication request first. Each call after a received cease request is a separate, documentable FDCPA violation.
Federal Lawsuits and State Regulatory Actions Against RMT
Yes. Rosenthal Morgan and Thomas has been named in multiple federal lawsuits and has faced state regulatory action.
- Bunch v. Rosenthal Morgan and Thomas Inc. et al., W.D. Wis., filed 2018, proposed class action alleging RMT sent a deceptive collection notice that unilaterally increased the plaintiff’s debt balance without explanation, and that the notice misrepresented the consumer’s debt verification rights under 15 U.S.C. §1692g.
- Harris v. Rosenthal, Morgan & Thomas, filed 2012, individual FDCPA action alleging the agency made harassing phone calls regarding a deceased husband’s debt and falsely represented the surviving widow as personally liable for that debt.
- Idaho Department of Finance Cease-and-Desist Order, the State of Idaho ordered RMT to stop collection activity in Idaho for operating without the required collection license. A state regulatory order is a separate and independent enforcement action from private FDCPA litigation.
- Additional federal FDCPA cases searchable on PACER under “Rosenthal Morgan and Thomas.”
We examine every RMT collection notice for §1692e misrepresentation language when we open a new file. The Bunch class action centered on that exact issue. Notice wording determines whether a false-representation claim exists independently of the debt dispute.
Is Rosenthal Morgan and Thomas a Scam?
Rosenthal Morgan and Thomas is a real, operating debt collection agency. Operating legally is not the same as collecting lawfully. RMT is not BBB-accredited. The Idaho cease-and-desist order confirms unlicensed operation in at least one state. Consumers have allegedly described threatened garnishment, inflated balances, and post-bankruptcy collection.
Impersonation of RMT is a separate risk. Refusal to provide a mailing address and demands for wire transfer payment are fraud flags. The documented RMT entity collects by letter and phone, not through demands for untraceable payment. Verifying the collecting entity against Missouri Secretary of State records confirms which legal entity actually holds the account. Impersonation claims and licensing gaps both turn on that confirmation.
Is Rosenthal Morgan and Thomas Banned by the FTC?
No. Rosenthal Morgan and Thomas has not been banned by the FTC. The agency continues to operate. However, the Idaho Department of Finance issued a cease-and-desist order against RMT for collecting without a license. That state regulatory action is the most significant documented enforcement action against the agency to date.
Missouri consumers can file with the Missouri Attorney General. Other state AG offices accept complaints as well. State AG filings create a separate documented pattern independent of CFPB or FTC oversight.
How the FDCPA Protects You From RMT
The Fair Debt Collection Practices Act prohibits RMT from calling before 8 a.m. or after 9 p.m. It bars abusive language, employer contact after notification, and misrepresentation of the amount owed.
Within five days of first contact, RMT must send a written validation notice. You have 30 days to request validation. RMT must cease collection until it provides adequate verification.
FDCPA violations carry up to $1,000 in statutory damages per lawsuit. Actual damages and attorney fees are also recoverable from the violating collector. The TCPA adds $500 to $1,500 per illegal automated call. See our first-call rights guide for a full overview.
How to Stop Rosenthal Morgan and Thomas Calls
Document every call: date, time, caller ID, representative’s name, and a summary of what was said. Save all voicemails. Send a written cease-communication request to RMT’s Earth City address by certified mail. After RMT receives it, any further contact violates federal law.
Also send a written debt validation request within 30 days of first written contact. RMT must stop collection and provide verification before continuing. Keep the certified mail tracking number, or RMT can deny receipt.
File complaints with the CFPB, the FTC, and the Missouri Attorney General. Each complaint creates a documented pattern that strengthens any private FDCPA lawsuit.
How to Identify Rosenthal Morgan and Thomas Scams
RMT is a real collector, but impersonators use its name. Any caller demanding wire transfer or gift card payment claiming to be RMT is not the documented entity. The real agency sends written validation notices and accepts payment by documented methods.
Key red flags: SSN read aloud to you, refusal to provide a mailing address, or same-day lawsuit threats. One BBB complaint alleged an actual RMT representative read SSN digits aloud to the consumer. That practice originated from within RMT itself. Impersonators use the same tactic.
How to Remove Rosenthal Morgan and Thomas From Your Credit Report
Pull your free reports at annualcreditreport.com. Review the RMT tradeline for accuracy. The date of first delinquency must reflect the original delinquency, not the date RMT acquired the account.
If the balance is inaccurate or the account is not yours, dispute directly with each bureau. Bureaus must investigate within 30 days. RMT must verify the information or the tradeline is removed. Settling an FDCPA claim against RMT may include tradeline deletion as part of the resolution.
A pay-for-delete agreement is possible but not guaranteed. RMT must agree in writing to delete the tradeline. Without that commitment, payment only marks the entry “paid collection.” Get any deletion commitment in writing before paying.
Can Rosenthal Morgan and Thomas Sue You or Garnish Your Wages?
RMT can file a civil lawsuit on a valid, in-statute debt. Garnishment requires a lawsuit, proper service, a court judgment, and a separate garnishment order. Per BBB complaint records, RMT representatives have allegedly threatened garnishment on first contact, before filing any lawsuit. That threat may violate FDCPA §1692e(4). See our overview of whether collectors can legally threaten wage garnishment.
How The Wood Firm PLLC Helps Stop RMT Harassment
The Wood Firm PLLC represents consumers exclusively, never debt collectors or creditors. When a new RMT file comes in, we examine the validation notice for timing and content. We pull the collection letters for §1692e misrepresentation language. The credit tradeline gets reviewed for re-aging.
The firm works on contingency. If RMT violated federal law, they pay our fees, you pay nothing out of pocket. Reach us at +1-844-638-1122.
If RMT crossed a line, 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 they violated federal law, they pay our fees.
Frequently Asked Questions About Rosenthal Morgan and Thomas
Who is Rosenthal Morgan and Thomas?
Rosenthal, Morgan and Thomas Inc. is a third-party debt collection agency based in Earth City, Missouri. It collects on security system, self-storage, and consumer service accounts. The agency is not BBB-accredited. Idaho issued a cease-and-desist order for unlicensed collection activity.
Is Rosenthal Morgan and Thomas a scam?
No. RMT is a real, operating collection agency. Callers demanding payment by gift card, wire transfer, or cryptocurrency who claim to be RMT may be impersonators. Always request a written validation notice and verify the account before paying. The real RMT entity sends written notices and accepts payment by documented methods.
What lawsuits have been filed against Rosenthal Morgan and Thomas?
Federal cases include Bunch v. Rosenthal Morgan and Thomas (W.D. Wis., 2018), a proposed class action alleging a deceptive collection notice, and Harris v. Rosenthal Morgan & Thomas (2012), alleging harassing calls and false liability representations. Idaho also issued a cease-and-desist order for unlicensed collection activity.
How do I stop Rosenthal Morgan and Thomas from calling me?
Send a written cease-communication request to RMT’s Earth City address by certified mail. RMT must stop all contact after receiving it. Exceptions: confirming cessation or notifying you of a filed lawsuit. Document every call until the cease letter is confirmed received.
Can Rosenthal Morgan and Thomas garnish my wages?
Not without a court judgment. RMT must file a lawsuit, serve you properly, obtain a judgment, and then seek a separate garnishment order. Threatening garnishment before a judgment exists may violate FDCPA §1692e(4). If you receive a garnishment threat on a first call, document it and contact a consumer attorney.
How do I remove Rosenthal Morgan and Thomas from my credit report?
Pull your three bureau reports at annualcreditreport.com. Dispute any inaccurate entry directly with Equifax, Experian, and TransUnion. If you settle an FDCPA claim against RMT, include a tradeline deletion in the written agreement. Without a written deletion commitment, paying the debt only updates the entry to “paid collection.”
Your Next Step if Rosenthal Morgan and Thomas Crossed a Line
Rosenthal Morgan and Thomas holds licenses in most states. The Idaho cease-and-desist, the Bunch class action, and the BBB record together document a firm with compliance problems. If RMT violated any of those provisions, each act carries independent federal exposure. Call +1-844-638-1122, the review is free, and the firm collects nothing unless RMT pays.
Related guides: Action Collection Agency, Hollis Cobb Associates, American Debt Management, Credit Bureau Collection Services, and PMAB.
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.
