Online Collections GRVL is a company that you might get phone calls from, or you could first see the name when you check your credit report. The company also goes by other names, including Online Utility Exchange and Online Information Services. Regardless of which name you encounter, you want them off your credit report and for them to stop calling you. So what is Online Collections GRVL? Is it a scam or something else?
Whether it’s under the name Online Collections GRVL, Online Utility Exchange, or Online Information Services, the company is the same—it’s a debt collection company.
When this company calls you, they’re trying to collect a debt. That can feel confusing because you’ve probably never heard of them before, so how can you possibly owe them money? Online Collections GRVL/Online Utility Exchange is a third-party debt collector.
You didn’t get financing directly from them. Instead, another company sold them a debt, or they were hired to collect for someone on a contingency fee basis. That means they aren’t going to get paid unless they’re able to recover money for the company that hired them.
Online Collections GRVL primarily collects for healthcare companies and providers, but they also work with property management firms and mortgage lenders.
This is a legitimate company, operational since 1977. The name that the company is listed with by the Better Business Bureau is Online Information Services Inc, and they’re based in North Carolina.
According to the BBB, the company receives a high volume of complaints. Because of that, BBB publishes only around 20% of the actual complaints against the company.
There are reviews and complaints primarily about debt people don’t feel they’re liable for.
There are also a lot of complaints that the company didn’t provide consumers with the original contract they requested. Debt collectors have to follow strict federal laws under the Fair Credit Reporting Act.
The FCRA dictates how companies and debt collectors report financial information and use it in the process of collecting debt. The FCRA is a law that guides how credit information on consumers is collected, maintained, and reported. It applies to everyone in the U.S. and extends to your rights if there’s incorrect information on file about you somewhere. Because of this law, you have the chance to dispute and remove wrong information, but you may need to work with an FCRA attorney for the best outcomes.
There are quite a few consumers who say that Online Collections GRVL is trying to collect on an account that’s not theirs and that they’ve never heard of or signed contracts with.
There are some consumers who report they didn’t receive a response from the company when they disputed negative information on their credit reports. Again, because of the FCRA, debt collectors have to respond to consumers, but they’re not always compliant or timely.
Other consumer concerns are that Online Collections GRVL is trying to collect on a debt resulting from identity theft or one already paid to the original creditor.
Unfortunately, you might assume that if something’s listed on your credit report, it’s accurate. After all, this is an important part of your finances, and it would seem like the information should be correct. That’s not always the reality, and many people are shocked when they find errors on their credit report.
Even when it’s an error or someone used your identity to open an account fraudulently, your credit score and finances can still be impacted by it.
There are a lot of reasons for errors. For example, if you share a similar name with someone else and live near each other, your credit files can get mixed up. The same is true of people with similar social security numbers.
Certain things should also be removed from your credit report after seven years, or 10 with chapter 7 bankruptcy. That doesn’t always mean they are. You could have old debt that’s re-aged on your report, meaning the statute of limitations clock started over when it shouldn’t have.
There can be mistakes from the original creditor passed onto a collections company, like a wrongly reported balance or an account reported as delinquent when you always made on-time payments.
If you find an error on your credit report, you can dispute it with the debt collector and the credit bureau where it’s listed.
Then, the creditor or debt collector is required by the FCRA to investigate, and if they find that it is, in fact, an error, remove it from your credit report. That seems simple enough, but companies don’t always follow through with this, leaving you stuck with negative effects on your credit report and perhaps an unresponsive debt collection company.
If you owe Online Collections GRVL and you’re dealing with nonstop phone calls, you don’t have to live that way. Because of the Fair Debt Collection Practices Act, collection companies have limits on how and when they can contact people. You can ask them not to contact you, and they can’t use harassment, intimidation, or threats when communicating with you. Even if you do think you owe a debt legitimately to this company, it’s always a good idea to talk to an FCRA attorney before you do anything else.
If you believe it’s an error or the result of fraud leading to a negative mark on your credit from Online Collections GRVL, you might need to work with an FCRA attorney to fix the issue. There are cases where legal action ultimately gets the attention of a debt collector and forces them to fix the mistake that otherwise is damaging your credit score.
Fair Credit is a team of FCRA attorneys, and we offer free consultations. Contact us to help you get Online Collections GRVL off your credit report and stop their calls.