Who Is Client Services? Why Are They Calling Me?

By US Debt Compass Editorial TeamUpdated 2026-08-09
CFPB complaints on record for Client Services
34

Most commonly for communication tactics

View full complaint lookup for Client Services →

Contact Client Services

Address to send a debt validation letter
Client Services, Inc. 514 Earth City Expy Ste 310 Earth City, MO 63045
Phone
1-800-521-3236

As of 2026-08-07 — verify before mailing anything important, since collectors do change addresses.

Client Services, Inc. (CSI) is a Missouri-based debt collection agency, founded in 1987, that collects on delinquent consumer accounts including credit card and retail debt on behalf of creditors and debt buyers. If CSI is contacting you, it’s worth asking them to validate the debt in writing to confirm the balance before paying anything.

Has Client Services been the subject of regulatory action?

Client Services has faced federal FDCPA litigation over the wording of its collection letters. In Ottmann et al. v. Client Services, Inc., filed August 3, 2017 in Wisconsin federal court, two plaintiffs alleged the company’s letters violated the FDCPA: one letter offered to “settle this account for less than the balance due” for a stated dollar amount, which the suit argued was ambiguous as to whether that figure was the total settlement or a reduction off the balance; another letter listed “Interest” and “Other Charges” as $0.00 in a way the suit claimed falsely implied the company could add fees later without explanation. If a settlement letter from CSI is unclear about exactly what you’d owe, get the terms in writing and confirmed before you pay — see debt validation request for how to do that.

Questions & Answers

Is Client Services a legitimate debt collector?

Client Services shows up in the CFPB consumer complaint database, which tracks real complaints filed against real companies — so it is a legitimate, registered entity, not a scam name. That doesn't mean every call claiming to be from them is real; scammers impersonate real collectors. Verify what they're collecting before paying anything — see what to do the first time a collector contacts you.

— US Debt Compass Editorial Team

How do I stop Client Services from calling me?

Under the FDCPA, you can send Client Services a written cease-and-desist letter and they must stop contacting you except to confirm they've received it or to notify you of specific legal action. This doesn't erase the debt — it only stops the calls. See the cease-and-desist letter glossary entry for how to send one.

— US Debt Compass Editorial Team

How do I dispute a debt with Client Services?

Send a written debt validation request to Client Services's dispute address within 30 days of first contact — they must then verify the debt before continuing collection. See the contact details above for the current mailing address.

— US Debt Compass Editorial Team

Is Client Services on my credit report?

If Client Services is collecting on an account, it can appear on your credit report as a collection tradeline, separate from the original creditor's listing. Check your credit report directly to confirm, and see the credit report dispute guide if anything about the listing looks wrong.

— US Debt Compass Editorial Team

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