10050 Crosstown Cir.
Suite 300
Eden Prairie, MN 55344
1-800-767-7895
952-944-7575
NMLS# 954098
Viking offers Spanish-speaking agents and a telephone language translation service to assist with calls in languages other than English. Any written communication can be translated into Spanish.
A translation and description of commonly-used debt collection terms is available in multiple languages on the state of New York's Department of Consumer Affairs website at www.nyc.gov/dca.
This Privacy Notice describes the privacy practices of Viking Client Services, LLC (collectively, “VCS, “we”, “us”, or “our”). We recognize the importance of maintaining the security of your personal information and understand that your privacy is important to you. We are committed to protecting your privacy. This Privacy Notice explains what information we collect, how we use that information, how we protect your privacy, and your rights in connection with this information.
Nothing in this Privacy Notice is intended to contradict your rights under the Fair Debt Collection Practices Act (“FDCPA”).
Non-public Information means information about you that we receive in the due course of our business. Non-public information does not include information that is available from public sources, such as telephone directories or government records.
Affiliate means a company we own or control, a company that owns or controls us, or a company that is owned or controlled by the same company that owns or controls us. Ownership does not mean complete ownership but means owning enough to have control.
Non-affiliated Third Parties means companies that are not an affiliate of VCS.
Client means creditors, providers, organizations, and/or companies that have retained VCS to provide our services.
Service Providers means companies, vendors, and agents retained by VCS to assist in providing our services including, but not limited to, mail vendors, payment processors, and vendors who assist in location and verification of consumer information.
We only disclose information to Affiliated and Non-affiliated Third Parties as permitted or required by law including, but not limited to, the FDCPA. We may share information we collect with third parties incidental to the collection process including mailing and/or other collection-related vendors that assist us in the collection process. When we share your information with such companies, they are required to limit their use of your information to the particular purpose for which it was shared, and they are not allowed to share it with others except to fulfill that limited and permissible purpose. In addition, we may also share your information with our affiliates and non-affiliated third parties if also permitted by applicable law.2
We restrict access to Non-public Information about you to only our employees who need to know that information to service your account or to assist in the administration of our business. We maintain physical, electronic, and procedural security measures to protect your information.
You may have other privacy protections under state laws. We reserve the right to amend this Privacy Notice at any time.
We collect Non-public Information about you from the following sources:
This information is in addition to the Privacy Notice provided above. This section applies only to California residents and is effective as of January 1, 2022. For purposes of this section, “Personal Information” has the meaning given in the California Consumer Privacy Act of 2018 (“CCPA”) but does not include information exempted from the scope of the CCPA.
Personal Information we may have collected within the last 12 months:
Category of Private Information |
Examples |
Do we Collect? |
Identifiers |
Name, alias, name suffix, mailing address, account number, email, date of birth, telephone and fax numbers |
YES |
Government-Issued Identifiers |
Social Security Number, driver's license or state ID card number, passport number |
YES |
Biometric Identifiers |
Imagery of the iris or retina, fingerprint, face, hand, and voice recording from which and identifier template is extracted |
NO |
Relationship Information |
Age; gender; marital status; household level information; demographic data; acquired scores (other than FCRA-regulated credit scores) |
YES |
Professional or Employment-related Information |
Current or past employment |
YES |
Inferred and Derived Information |
Inferred data (propensities, attributes) generated by the company and associated with a consumer, household device; internally generated scores; ad targeting information |
NO |
On-line and Technical Information |
IP address; UUID, AOID, GUID device identifiers; data from cookies, web beacons, etc.; clickstream data; device "fingerprinting" records; server log records (including page requests); data collected by automated means to measure consumer response to online content |
NO |
Audio/Visual Information |
Photographs; video images; CCTV records; call center recordings; voicemail |
YES |
Financial Information |
Financial account numbers; insurance account numbers; payment card data; consumer reporting data, credit scores; |
YES |
Health Information |
Information about payment for healthcare services |
YES |
We obtain the categories of personal information listed above from the following category sources:
We may use or disclose the personal information we collect for one or more of the following purposes:
VCS may share Non-public Information it collects with its employees who need to know that information to provide services with respect to your account. VCS may share your Non-public Information with third parties to the extent it is reasonably necessary and permitted under applicable law to manage or service your account, verify employment, determine location, process payment, provide customer service, or as otherwise authorized by law.
We may disclose personal information to a third party for a business purpose. We disclose your personal information for a business purpose to the following categories of third parties.
VCS has implemented physical, electronic, and procedural security safeguards to protect against the unauthorized release of or access to Non-public Information. We employ internal and external system safeguards designed to protect security and confidentiality of Non-public Information.
California consumers have a right to request what personal information we collect, use, disclose, and sell. (Details on how to submit a request can be found under the section Submitting a Request.)
California consumers have the right to request the deletion of Non-public Information that we have collected and maintain. (Details on how to submit a request can be found under the section Submitting a Request.)
An exception may exist, and we may deny your request if retaining the information is necessary for us or our Service Providers to:
Only you or someone who is legally authorized to act on your behalf may submit a request regarding your personal information.
A request can be submitted by the following methods:
To prevent inappropriate disclosure of information, you are required to provide us with the following verifiable information:
Additionally, if you are an authorized representative, you will need to provide information to reasonably verify that you are authorized to receive the information.
Describe your request with enough detail that it will allow us to understand, evaluate, and respond to it.
We will only use the personal information provided in your request to verify the requestor’s identity or authority to make the request.
After your submission we will confirm receipt of the request within 10 business days unless we provide a response within that timeframe. We will respond to your request within 45 days of receipt unless more time is necessary, in which case we will inform you.
Any disclosures we provide will only cover the 12-month period preceding the receipt of the request.
We will not respond to more than two (2) requests from the same consumer during a 12-month period.
We will not discriminate against California residents who exercise their rights described in this Notice.
VCS may change this Privacy Notice at any time. Notice of any new or revised Privacy Notice, as well as the location of the new or revised statement, will be posted on the website after the change. It is the obligation of the users visiting the website before the change to learn of changes to the Privacy Notice since their last visit.
If you have questions or concerns about our privacy policy or practices, please contact us at 1-800-215-2109.
Last Updated: November 25, 2024
Last Updated: November 25, 2024
This SMS Wireless Policy applies to the SMS messages sent Viking Client Services, LLC ("we," "us," or "our"). By opting in to receive SMS messages from us, you agree to the following terms and conditions.
By providing your mobile number, you are opting in to receive SMS messages from Viking Client Services, LLC. You acknowledge that message and data rates may apply and are based on your agreement with your mobile carrier. You can provide Opt-in by calling us, sending us an email or through secure payment portal.
The number of SMS messages you receive will vary based on your interactions with us. You may receive messages related to your account, transactions, promotional offers, updates, and other relevant information.
We use your data solely for sending updates, promotions, and reminders related to our products and services. We do not share your data with third parties for marketing purposes.
You can opt out of receiving SMS messages from Viking Client Services, LLC at any time. To stop receiving messages, reply "STOP" to any SMS message you receive from us. After you send the SMS message "STOP" to us, we will send you a confirmation message to indicate that you have been unsubscribed. After this, you will no longer receive SMS messages from us. If you want to join again, you can sign up as you did the first time, and we will start sending SMS messages to you again.
If you need assistance or have any questions about our SMS program, you can reply "HELP" to any SMS message you receive from us, or you can contact our customer service at:
Viking Client Services, LLC
10050 Crosstown Circle, Suite 300
Eden Prairie, MN 55344
800-767-7895
Message and data rates may apply for any messages sent to you from us and to us from you. If you have any questions about your text plan or data plan, please contact your wireless provider.
Participating carriers include, but are not limited to, AT&T, Sprint, T-Mobile, Verizon Wireless, and other carriers. We are not responsible for any delays in the receipt of any SMS messages, as delivery is subject to effective transmission from your network operator.
We respect your privacy. We will only use your information as described in our Privacy Policy. By opting in to receive SMS messages from us, you consent to the collection, use, and disclosure of your personal information as set forth in our Privacy Policy.
We may modify or update this SMS Wireless Policy at any time. Any changes will be effective immediately upon posting the updated policy on our website. Your continued receipt of SMS messages from us will constitute your acceptance of those changes.
For more information or if you have any questions about this SMS Wireless Policy, please contact us at:
Last Updated: November 25, 2024
Welcome to the Viking Client Services, LLC website (the "Site"). By accessing or using our Site, you agree to comply with and be bound by the following terms and conditions (the "Terms of Use"). Please read these Terms of Use carefully before using the Site. If you do not agree to these terms, please do not use the Site.
By using the Site, you agree to these Terms of Use and our Privacy Policy. If you do not agree, you must not use the Site.
Viking Client Services, LLC reserves the right to modify these Terms of Use at any time. Changes will be effective immediately upon posting on the Site. Your continued use of the Site after any changes signifies your acceptance of the new terms.
You agree to use the Site for lawful purposes only. You must not use the Site in a way that infringes on the rights of others, restricts or inhibits their use and enjoyment of the Site, or that could damage, disable, overburden, or impair the Site.
All content on the Site, including but not limited to text, graphics, logos, icons, images, and software, is the property of Viking Client Services, LLC or its content suppliers and is protected by intellectual property laws. You may not reproduce, distribute, modify, or create derivative works from any content without our express written permission.
By submitting any content to the Site, you grant Viking Client Services, LLC a perpetual, non-exclusive, royalty-free, worldwide license to use, reproduce, modify, and distribute such content in any media. You represent and warrant that you own or have the necessary rights to submit such content and that your submission does not violate any laws or infringe on any third-party rights.
The Site may contain links to third-party websites that are not owned or controlled by Viking Client Services, LLC. We are not responsible for the content, privacy policies, or practices of any third-party websites. You acknowledge and agree that Viking Client Services, LLC shall not be responsible or liable, directly or indirectly, for any damage or loss caused by or in connection with the use of or reliance on any such content, goods, or services available on or through any such websites.
The Site is provided on an "as is" and "as available" basis. Viking Client Services, LLC makes no representations or warranties of any kind, express or implied, as to the operation of the Site or the information, content, materials, or products included on the Site. You expressly agree that your use of the Site is at your sole risk.
To the fullest extent permitted by law, Viking Client Services, LLC shall not be liable for any damages of any kind arising from the use of the Site, including but not limited to direct, indirect, incidental, punitive, and consequential damages.
You agree to indemnify, defend, and hold harmless Viking Client Services, LLC, its officers, directors, employees, agents, licensors, and suppliers from and against all losses, expenses, damages, and costs, including reasonable attorneys' fees, resulting from any violation of these Terms of Use or any activity related to your use of the Site.
These Terms of Use shall be governed by and construed in accordance with the laws of the State of Minnesota, without regard to its conflict of law principles. You agree to submit to the exclusive jurisdiction of the courts located in Minnesota for the resolution of any disputes arising out of or relating to these Terms of Use or the Site.
If you have any questions about these Terms of Use, please contact us at:
You may have gotten a letter from Viking that states that a car that you rented was returned damaged. This means that Viking Billing Service got your information from one of the rental car companies we partner with. These rental car companies employ the services of Viking Billing Service to connect with their customers and reconcile their accounts
People often mix up various functions of our company and assume that a call or a letter from Viking Billing Services about a rental car means that their rental car company sent their balance to a collections agency. They haven't. But sometimes these same people do a quick search online and find bad information that reinforces their concern.
We work on behalf of rental car companies, clearing up account balances and working to resolve claims disputes. This allows the rental companies to focus on what they do best, which is provide customers with vehicles and service they can trust. And it allows us to do what we do best, which is take care of details and solve problems for people.
There is a part of Viking Client Services that works as a collection agency, but it is a separate division from Viking Billing Service.
Is Viking Billing a Collection Agency?
Viking Billing is a division of Viking Client Services. We have been in business for 50 years, remaining committed to people and committed to good in each transaction. As you work with us to resolve any issues, we are confident you’ll discover a company of integrity and service.
No. When Viking Billing Services works on behalf of rental car companies to reconcile damage claims, we're doing so as an extension of the company you rented your car from. It isn't until debts goes into the collections process due to non-payment that the credit bureau is informed.
Is My Credit Score Being Impacted?
The Fair Debt Collection Practices Act (FDCPA) is a federal law that protects you from unethical or defamatory tactics by debt collections companies as they attempt to recover debts. While Viking Billing Service is not a collection agency, it recovers debts and outstanding balances on behalf of various companies, often putting Viking Billing in those conversations with Viking Client Services (VCS) and other debt collection agencies. The law restricts the activities and behaviors of debt collectors, when they can call a residence and how often they can contact people. A violation of FDCPA standards can open up collections agencies to litigation and penalties.
What is the Fair Debt Collection Practices Act?
If you feel that the damage claim against you was made in error, let us know. We are working off of information that we receive from our rental car company partners. Sometimes that information is wrong. We have helped more than one person clear their name and dismiss financial liability from their rental car company. But in order to clear your name, you have to talk to one of our agents.
Can I Dispute a Claim Against Me?
At Viking Billing Services, we are interested in doing what's right...every time. We are committed to people and committed to good.