Frequently Asked Questions
Who is Plaza Services, LLC?
Plaza Services, LLC is an accounts receivable portfolio investment firm headquartered in Atlanta, GA. Plaza Services purchases and services consumer credit accounts while maintaining the highest ethical and legal standards. We use a national network of collection agencies and law firms to assist us with contacting consumers and resolving outstanding account balances.
Who Does Plaza Services Collect For?
Plaza Services purchases accounts from all types of creditors that lend to consumers. We acquire auto loans, credit cards, consumer loans, and many other asset classes. Our collection agency and law firm networks collect accounts on our behalf.
Why am I not working with my original creditor?
When accounts become delinquent, they are frequently sold to investors like Plaza Services. We purchase accounts from the original lender, after which, Plaza Services becomes the new creditor. We work with independent collection agencies and law firm partners who contact consumers to collect accounts on our behalf. If you would like to confirm that the collection agency or law firm contacting you is working on Plaza’s behalf, please call our office at 877-475-1103 for validation.
Does Plaza report to credit bureaus?
Yes. We report the status of accounts that we own to TransUnion. We urge consumers to review our strategy with regard to credit bureau reporting. If Plaza Services is appearing on your credit report we invite you to contact us for more information. You can also visit our Credit Reporting page to learn more about our Credit Reporting.
Are payment plans accepted?
Yes, Plaza Services accepts payment plans and works with consumers to customize payment arrangements that fit each budget and allow the resolution of the debt. You can view your payment options online or contact a Customer Service Specialist at 877- 475-1103.
Is Plaza Services a Scam?
No, we are not a scam. We are a legitimate company and have earned RMAI Certified Receivables Business status for upholding the highest ethical and legal standards in the debt collection business. Founded in 2014, our company is an active receivables management industry leader. We are members of multiple trade associations including Receivables Management Association International, ACA International, and Georgia Collectors Association.
Do you have additional questions about credit reporting?
We suggest you visit FinancialLiteracy.Rocks to find resources about credit reporting and credit scores from reputable sources.
I think my balance is incorrect. How do I dispute the debt?
Plaza Services takes disputes and complaints seriously. You can initiate an online dispute or call a Customer Service Specialist at 877-475-1103. Depending on individual circumstances, we will often halt collection efforts after your account has been processed, which typically takes 1-2 business days.
What should I do if I am the victim of Identity Theft?
Please submit a Fraud Affidavit as soon as possible. Fraud claims are typically processed within 1-2 business days of the request. You will receive a written acknowledgement that your fraud claim has been received. We will respond within 30-days of receipt of the fraud claim with the outcome of the investigation. If we cannot locate your account, we may need to contact you.
Why is the “Open Date” on my credit report different from when I actually opened the account?
The credit bureaus require Plaza to report the date of acquisition as the “Open Date.” Please know that this “Open Date” does not affect how long our tradeline may appear on your credit report. Please see Credit Bureau Reporting for more information.
How do I make a payment on my account?
We accept direct payments and payments made through our collection agency and law firm partners. We accept credit cards, debit cards, checks, money orders, and cashier checks. Payments can be made online, over the phone, or by mail. For details about each available payment method, you can contact our office at 877-475-1103 or visit our Payments page.