Refund Policy

Reliable Recovery Services
Effective Date: March 5, 2025

1. Overview

Reliable Recovery Services processes payments on behalf of creditors for the purpose of collecting outstanding debts.
Because payments are applied directly to consumer accounts, refunds are limited, and in most cases must be reviewed by the original creditor.

This Refund Policy explains when refunds may be issued, how refund decisions are made, and how to request one.

2. Refund Eligibility

Refunds may be considered under the following circumstances:

A. Duplicate Payments

A refund may be issued if:

A consumer made two or more payments in error, or
A payment was submitted multiple times due to system or banking issues.

B. Unauthorized or Fraudulent Payments

A refund may be issued if:

A payment was made without the account holder’s authorization.
Fraudulent activity is confirmed by the bank, consumer, or payment processor.

C. Incorrect Account Application

A refund may be issued if:

A payment was applied to the wrong account, or
The amount processed was different from the agreed-upon amount due to clerical error.

D. Creditor-Approved Refunds

Because we collect on behalf of creditors:

Some refunds require creditor approval before being released.
In these cases, no refund will be issued until the creditor authorizes it.

3. Situations Not Eligible for Refund

Refunds are generally not provided for:

Payments made toward a valid debt where the consumer later changes their mind
Payments made as part of a completed settlement
Payments made after receiving accurate balance and account information
Payments made voluntarily when the debt was owed

However, if you believe a payment was made in error, we encourage you to contact us to review your situation.

4. Time Frame for Refund Requests

Refund requests must generally be submitted within 30 days of the payment date.
Requests made after 30 days may still be considered on a case-by-case basis.

5. Refund Processing Time

Approved refunds will typically be processed within:

3–7 business days for debit/credit card payments
7–14 business days for ACH or bank transfers
A longer period if creditor approval is required or if the bank is investigating fraud

Processing times may vary depending on your financial institution.

6. Refund Method

Refunds will be issued using the same payment method used for the original transaction unless prohibited by banking rules or applicable law.

Refunds cannot be provided in cash.

7. Chargebacks

If a consumer initiates a chargeback through their bank:

Collection activity may be temporarily paused
We may provide documentation to the bank verifying the payment and debt
If the chargeback is resolved against the consumer, the balance may be reinstated

We encourage consumers to contact us before initiating a chargeback to resolve concerns quickly.

8. Disputed Debts

If you dispute the validity of the debt:

Refund decisions may be paused until the dispute is reviewed
We will comply with all FDCPA requirements, including validation and cease-collections obligations

A dispute does not automatically guarantee a refund.

9. How to Request a Refund

Requests must be submitted using one of the following:
Email: dthomas@reliablerecoveryservices.net

Please provide:

Your full name
Account number
Payment amount and date
Reason for refund request
Any supporting documentation (bank statements, receipts, screenshots, etc.)

Failure to provide required information may delay processing.

10. Compliance Notice

Nothing in this Refund Policy alters or limits your rights under:

The Fair Debt Collection Practices Act (FDCPA)
The Fair Credit Reporting Act (FCRA)
Applicable state debt collection and consumer protection laws

We are committed to handling all refund requests fairly, transparently, and in full compliance with all legal requirements.