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Payliance

Additional Locations

Phone: (614) 944-5788 Fax: (614) 750-4336 View Additional Phone Numbers 3 Easton Oval Ste 210, Columbus, OH 43219 View Additional Email Addresses http://www.Payliance.com View Additional Web Addresses

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BBB Accreditation

A BBB Accredited Business since

BBB has determined that Payliance meets BBB accreditation standards, which include a commitment to make a good faith effort to resolve any consumer complaints. BBB Accredited Businesses pay a fee for accreditation review/monitoring and for support of BBB services to the public.

BBB accreditation does not mean that the business' products or services have been evaluated or endorsed by BBB, or that BBB has made a determination as to the business' product quality or competency in performing services.

Reason for Rating

BBB rating is based on 16 factors. Get the details about the factors considered.

Factors that raised the rating for Payliance include:

  • Complaint volume filed with BBB for business of this size.
  • Response to 70 complaint(s) filed against business.
  • Resolution of complaint(s) filed against business.
  • BBB has sufficient background information on this business.

Industry Ratings Comparison | Chart


Customer Complaints Summary Read complaint details

70 complaints closed with BBB in last 3 years | 19 closed in last 12 months
Complaint Type Total Closed Complaints
Advertising/Sales Issues 0
Billing/Collection Issues 63
Delivery Issues 0
Guarantee/Warranty Issues 0
Problems with Product/Service 7
Total Closed Complaints 70

Additional Complaint Information

Consumers are asked to contact the Dispute Department at Payliance directly prior to filing a complaint with BBB. They can be reached at 877-365-7422.

Customer Reviews Summary Read customer reviews

0 Customer Reviews on Payliance
Customer Experience Total Customer Reviews
Positive Experience 0
Neutral Experience 0
Negative Experience 0
Total Customer Reviews 0

Additional Information

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BBB file opened: January 22, 2009 Business started: 01/01/2009 in OH Business started locally: 01/01/2009 Business incorporated: 08/02/2010 in OH
Type of Entity

Corporation

Business Management
Mr. John Cullen, CEO Mr. Shawn Kelly, Director of Collections Mr. John McGinley, Chief Operating Officer Mr. Steve Valachovic, Exec. VP Ms. Leslie White, Director of Human Resources
Contact Information
Principal: Mr. John Cullen, CEO
Business Category

Collection Agencies

Alternate Business Names
Collection Acquisitions Company Security Check LLC TigerTranz
Industry Tips
Credit - BBB General Statement For All Debt, Credit TOBs

Additional Locations

  • 3 Easton Oval Ste 210

    Columbus, OH 43219 (614) 944-5788

  • 4200 Regent St Ste 200

    Columbus, OH 43219

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Professional AffiliationsX
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Types of Complaints Handled by BBB

BBB handles the following types of complaints between businesses and their customers so long as they are not, or have not been, litigated:

  • Advertising or Sales
  • Billing or Collection
  • Problems with Products or Services
  • Delivery
  • Guarantee or Warranty

We do not handle workplace disputes, discrimination claims or claims about the quality of health or legal services.

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BBB Complaint Process

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Additional Phone Numbers

  • (866) 949-6029(Phone)
  • (614) 944-5789 (Fax)
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Additional Email Addresses

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Complaint Detail(s)

11/26/2014 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: Payliance is attempting to collect $94.00(69.00+25.00 fee) for merchant ********** . ********** took an unauthorized payment of $69.00 from my checking account, which I filed a dispute form with my bank, additionally I contacted ********** and told them of the unauthorized amount. ********** has in turn sent this to Payliance who is attempting to collect a debt which I do not owe.

Desired Settlement: I want the collection attempts to cease as well as to remove the amount I owe and clear my name and account. I want a from Payliance showing a zero balance

Business Response:

******** *** **** ********* ********** *** ****** ******** ****** ** ******* **** *** ***** ***************** **** *** ***********

Thank you for the opportunity to respond to the above-referenced consumer complaint.

This complaint is in regards to a ********** debt in the amount of $69.00 that was sent to Payliance for collections on October 15, 2014. *** ******* claims that ********** was not authorized to debit her account and the debt is invalid.

According to Tupperware, *** ******* recruited a ***** ***** on July 30, 2014 and used a ********** Card ending in ##### to cover the payment for ***** *****’ starter kit. *** ***** did not meet the requirements for her starter kit and a charge of $69.00 was applied to the credit card on file for the ********** card ending in #####—which belonged to ***** *******.

********** requests that *** ******* contact their Customer Care service at ###-###-#### if she desires assistance regarding this matter. Should *** ******* reach settlement regarding the account with Tupperware, we ask that she remind ********** to inform Payliance so that we may adjust the account accordingly.

Please feel free to contact us if we can be of further assistance.

10/8/2014 Billing/Collection Issues
10/3/2014 Problems with Product/Service | Read Complaint Details
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Additional Notes

Complaint: ************ says i owe for a returned check for $58 dollars ok ill pay it i can not find out who to pay or where to pay they say it is from ***** ****** ***** so who do i pay

Desired Settlement: just someone tell me who to pay so i can get this off my credit report Thank you

Business Response:

********* *** **** ********* ********** *** ****** ******** ****** ** ******* **** *** ******* * ****************** **** *** ***********

Thank you for the opportunity to respond to the above-referenced consumer complaint.

This complaint is in regards to account ###### for a returned check ###### written to ****** ****** ***** which was returned because the associated checking account was closed. Check ###### was written for an amount of $27.80 and incurred a $30.00 returned check fee when the item was returned—making a total outstanding balance of $57.80 due for the account. The consumer wishes to know how to make payment for this item.

*** ******* may pay the outstanding account in one of the following ways: he may send a check or money order to Payliance at * ****** ***** *** **** ********* ** ****** he may pay online at***********or he may pay over the phone at ###-###-####. We wish for *** ******* to note, however, that when accounts are paid-in-full, the status with the credit bureaus is updated to reflect a paid/settled status with a $0.00 balance.

Please feel free to contact us if we can be of further assistance.

9/18/2014 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: This company as put 4 negative items on my credit report. I have never been involved with any of the companies they represent. Here are the accounts they have listed:1. ****** **** ***** ****** in the amount of $70.002. **** ***** ***** in the amount of $52.003. **** ***** ***** in the amount of $19.004. **** ***** ***** in the amount of $30.00I have never done business with the above companies. THESE ARE NOT MY ACCOUNTS and I want proof of their validity or removed from my credit report.

Desired Settlement: Validate the debts or remove from my credit report.

Business Response:

****** *** **** ********* ********** *** ****** ******** ****** ** ******* **** *** ******** ****************** **** *** ***********

Thank you for the opportunity to respond to the above-referenced consumer complaint.

This complaint is regards to four collections accounts under the consumer’s name at Payliance. The consumer is requesting validation of each of the accounts she has detailed.

Payliance has sent letters of validation for accounts ####, ####### and ######## to the ** ***** **** ** address associated with the consumer’s complaint on August 21, 2014. Unfortunately, Payliance could not locate the fourth item for the consumer concerning the **** ****’s account with a balance of $19.00. If *** ******* would please provide Payliance with the account number associated with this item, we will forward validation once the account has been located.  

*** ******* may submit the requested information to the Payliance Disputes Department by mail at * ****** ***** *** **** ********* ** *****, by fax at ###-###-####, or by email at *******

Please feel free to contact us if we can be of further assistance.

Consumer Response:

I CANNOT PROVIDE THE ACCOUNT NUMBER BECAUSE IT IS NOT LISTED ON MY CREDIT REPORT, ONLY THE AMOUNT.
 
I ASSUME THAT SINCE THESE ACCOUNTS ALSO REFERENCE RETURNED CHECKS THAT THIS COMPANY HAS ALSO PROVIDED ME A COPY OF THE CHECK THAT SHOWS MY SIGNATURE.  IF THEY HAVE NOT, THEY NEED TO PROVIDE IT AS THESE ARE NOT MY ACCOUNTS
Regards,
******** *******

Business Response:

********* ** **** ********* ********** *** ****** ******** ****** ** ******* **** *** ******** ****************** **** *** ***********

Thank you for the opportunity to respond to the above-referenced consumer complaint.

The consumer has rejected Payliance’s initial response and on August 26th, 2014, emailed the attached response to the validation letters which were mailed to her on August 21, 2014.

Payliance has attempted to obtain further validating information for the *************** **** account #1090328. However, ********, the original creditor, could not provide sufficient information to validate the account for *** ******** Therefore, Payliance has cancelled account #1090328 and all collection activity regarding this item has been ceased. A notice has been sent to Equifax, Experian, and Transunion to have this item deleted from the consumer’s credit history. We ask that *** ******* allow the credit bureaus up to 30 days to act upon this notice.

Upon receipt of the validation letters for accounts ###### and ######, *** ******* claims that she has never resided at the address associated with the checks nor has she banked at the institutions the items were written from. If this is the case, the August 21, 2014 validation letters contained instructions on what documentation is needed to absolve her of liability for these items. If the consumer believes this is a case of mistaken identity, she may provide a copy of a government-issued identification. If she believes this may be the result of fraud/forgery, she may submit either a Police Report or notarized Affidavit of Forgery referencing the checks in dispute. An Affidavit of Forgery can be obtained from a bank or online at www.ftc.gov.

Payliance has not received any further information on the remaining **** ****’s account with a $19.00 balance. *** ******* has stated in her rejection that her report does not list the account number. On August 21, 2014, a letter requesting additional information regarding the item and the consumer’s history was mailed along with the validation letters. The letter requested additional information from *** ******* such as any previous names and addresses she may be listed under or a copy of her credit report reflecting the item in question. As of yet, *** ******* has not provided any further information for this item and the account remains un-located.

Please feel free to contact us if we can be of further assistance.

Consumer Response:

Payliance sent me copies of returned checks and checks contained name and address of the account holder. There is no identification verification on these checks such as drivers license number and date of birth which is always written on checks when presented to th business for payment. Nothing on these prove that they are tied to me in any way. There is no identification verification at all. Payliance will find that these items just like the ****** ***** account are not mine. I will not accept ant response from them until they provide identification verification on these checks such as drivers license number. They cannot validate this debt belongs to me nor can **** ***** and that is where Paylianxe needs to obtain such proof. 
 
As far as the 19.00 item, that was my mistake, it is $39.00 not $19.00
 
I will await the identification verification and if they cannot provide that, I expect these issues be closed.  Payliance got no type of proof from their clients regarding these issues before they came after me and this should be illegal!!
Regards,
******** *******

Consumer Response: In regards to the $19.00 check - there was a typo on my part and the correct amount should be $39.00

 
I will scan you the copies of what I received from Payliance 
 
I have not filed a police report as I don't feel it is anyone's fault except Payliance.  I don't feel there is any identity theft. They have simply placed this against the wrong person.  They have nothing that verifies my identity to these issues.  It is up to them to prove I owe these debts and they have not been able to do so.  There is no drivers license number, date of birth or social security number to prove these are valid debts against me.  I don't know where they got my social security number from in order to put this on my credit report and they cannot provide any documentation to back up the negative items they have placed against me.

8/13/2014 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: A total of 4 disputes have been taken place with this company and advised this company is verifying the info without sending any info to me via mail per FCRA.

Desired Settlement: Please remove all negative reporting to my credit profile. Please delete the info thats not verifiable.

Business Response:

****** ** **** ********* ********** *** ****** ******** ****** ** ******* **** *** ******* ******************* **** *** ***********

Thank you for the opportunity to respond to the above-referenced consumer complaint.

This complaint is regards to collections accounts under the consumer’s name at Payliance. The consumer claims that Payliance has ignored their four previous disputes regarding their collections accounts.

Payliance has no records of direct disputes from the consumer regarding their items in collections. The only disputes on file are four inquiries the consumer submitted through e-Oscar, a web-based, automated complaint system which acts as a medium through with consumers may submit disputes or inquiries regarding items on their credit history. Payliance did respond to these four e-Oscar disputes on March 17, 2014 and March 20, 2014 and the corresponding accounts were updated to reflect a disputed status. When responding to e-Oscar prompts, Payliance is only required to submit answers to e-Oscar, who then responds accordingly to the consumer who originated the prompt. Therefore, nothing was mailed directly to the consumer.

If the consumer would like their accounts verified directly, they may submit their request to the Payliance Disputes Department by mail at * ****** ***** *** **** ********* ** *****, by fax at ###-###-####, or by email at  **************

8/11/2014 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: This company is reporting on my credit reports for a debt in which they never mailed me a dunning notice for, which has to be done before a company reports a debt on your credit report. I wasnt made aware until just recently pulling my credit report and my address has never changed. I would like them to send proof that they actually mailed the notice out. I called on 7/16/2014 to pay the balance in full which I would have done years ago had they sent dunning notice. They are in violation of FCRA. The debt should not be reported on my credit reports, I wasnt allowed the required 30 days to validate the debt. The amount is $130 that I would like to pay and have this company remove all reporting of this debt from the credit bureaus as well as proof they they attempted to notify me of the debt before they began reporting it.

Desired Settlement: I want this company to delete all reporting of this debt from the 3 credit bureaus. I am willing to pay but they violated FCRA when they reported the debt without sending dunning notice.

Business Response:

**** *** **** ********* ********** *** ****** ******** ****** ** ******* **** *** **** ******************* **** *** ***********

Thank you for the opportunity to respond to the above-referenced consumer complaint.

This complaint is in regards to a returned check we received in our office on June 12, 2009 which is currently in collections for an amount of $130.00. The consumer claims that she was never sent notice of this debt before the account was reported to her credit history on August 24, 2009. Per standard procedure, an automatic notice was sent to *** ******** about the account on June 15, 2009 to the *** ****** *** ********* ** ***** associated with the returned check.

Initial debt notices are sent via mail to the addresses associated on returned checks through a third-party mailing service called *********. Because of this, Payliance does not have access to the specific June 15, 2009 notice the debtor is requesting. If *** ******** would like, Payliance can obtain a copy of a blank debt collection notice for her review—same as the initial notice sent June 15, 2009.

Please feel free to contact us if we can be of further assistance.

Consumer Response: As I stated before I never received such notice, and from their response they do not have actual proof that I received such notice either.  I am not trying to get out of paying the debt, I can and will pay. But they violated my rights as I stated before because they reported this information on my credit report without giving notice beforehand so that the debt can be validated. I do not want a copy of a blank letter.  Furthermore they are reporting a collection on my report when my social security number wasn't given to them and owing on a old check doesn't give this check collection company authorization to report a check onto my credit report.  This isn't a revolving account nor an installment account nor any type of account that would be able to report past due or late payments.  I can and will pay the 130 but they are to remove the reporting from all 3 credit bureaus or I will have to pursue further action against them as in FTC and ** attorney general. Thank you

Regards,
**** ********

Business Response:

**** *** **** ********* ********** *** ****** ******** ****** ** ******* **** *** **** ******************* **** *** ***********

Thank you for the opportunity to respond to the above-referenced consumer complaint.

As a data furnisher, Payliance has the authority to report outstanding items to a consumer’s credit history once the items have been in collections for 45 days. Although we do not have *** ********’s Social Security Number on file, we are able to report to individual’s credit histories using the information on the returned items; in this case the name and address associated with the consumer’s check.

Again, because initial debt notices are mailed through a third party, Payliance does not have direct access to the June 15, 2009 letter the debtor is requesting. Regardless, according to the records associated with the account, the consumer was aware of this debt as she spoke with Payliance representatives over the phone on June 19, 2009 and January 3, 2013. She was also mailed a letter of validation for this account on March 23, 2011 to her *** ****** *** ********* ** ***** address.

We do encourage *** ******** to make payment on this item, however, Payliance does not agree to payments in return for credit deletions. Per the Fair Debt Collections Practices Act, the reporting agency is not required to remove accurate derogatory information from a consumer’s file unless the information is outdated under section 605 or cannot be verified. If the consumer pays the outstanding balance in full, the account will be updated with the credit bureaus to reflect a closed/settled status with a $0.00 balance.

Please feel free to contact us if we can be of further assistance.

7/21/2014 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: payliance has practiced deceptive credit reporting acts against me. they had a duty to inform me of negative credit reporting but failed to do so. at least on one occasion a representative informed me that no credit reporting of any kind will be reported as long as the checks and the fees are paid in full, all of which were...despite this contractual agreement between payliance and myself they deceived me and reported me to all 3 credit bureau's after I paid them in full...This is unconscionable and should be redressed by having them remove all and such negative information from all 3 credit bureau's. I have contacted Congressman ***** ** **** whom has assisted me before, asking him for representation against their fallaciousness

Desired Settlement: I would like this matter resolved simply by having Payliance remove all negative credit reporting on my behalf to all 3 credit bureau's...if they don't I will seek punitive damages for maliciously and negligently damaging my credit.

Business Response:

**** ** **** ********* ********** *** ****** ******** ****** ** ******* **** *** ******* * ******************** **** *** ***********

Thank you for the opportunity to respond to the above-referenced consumer complaint.

This complaint is in regards to eight paid-in-full collections accounts we have in our office for the consumer that are currently reporting as paid-in-full to the consumer’s credit history. The consumer claims that a Payliance representative informed him that these items would not be report to the credit bureaus if they were paid-in-full.

In addition to the eight accounts reporting to his credit, *** ********* has an additional seventeen paid-in-full accounts that are not reporting to his credit history. It is Payliance policy to report delinquent accounts to a consumer’s credit history once the outstanding items have been in collections for forty-five days. These seventeen accounts were not reported because they were settled within the first forty-five days of collection at Payliance; the eight items on *** *********’s credit report, however, were paid outside this forty-five day window. A letter explaining this was mailed to the address associated with the consumer’s complaint on December 11, 2013 in regards to a previous request for credit deletion.

When accounts that have been previously reported to the credit bureaus are paid in full, the status with the credit bureaus is updated to reflect a paid status with a $0.00 balance.  Per section 609 of the Fair Credit Reporting Act the reporting agency is not required to remove accurate derogatory information from a consumer’s file unless the information is outdated under section 605 or cannot be verified.

Please feel free to contact us if we can be of further assistance.

Consumer Response: ***** ******* ********* *******************************  ***** ********** **** *** **** ***** ** *** ************************************ ******** ********* ** ******** ********

I have been able to digest the submitted response from ***** ***** ******** ** *********** from Payliance, and can provide to you information that will prove unfair credit practicing.

First and foremost, ***** admits to reporting 8 collection items to the credit bureau's. However, I am in receipt of my credit report provided to me by ********** ****** which contains 13 reported Items...by payliance...I can send you a copy of this credit report separate cover by morning of the ninth of July so that you and the bureau can observe how they continue to mislead.

This is a serious matter and requires further investigation especially in consideration to their admission to only reporting 8 and 13 are actually reported.. 

This can be seen as a negligent and malice act of deception and intention to damage my credit.

Finally, and as you can see, all of my returned checks were within their alleged 45 day window which they now use to shield themselves from the deceptive unfair credit reporting practices, and further with the same force and effect as above, they inadvertently reported the other 5 returned checks fallaciously without merit and went above and beyond their contractual agreement and should  remove all of the derogatory reporting to all three credit bureau's as a direct result of their questionable credit practicing policy's. 

Thank You, I am looking forward to solving this matter on an amicable basis.

******* ** *********

Business Response:

**** *** **** ********* ********** *** ****** ******** ****** ** ******* **** *** ******* * ******************** **** *** ***********

Thank you for the opportunity to respond to the above-referenced consumer complaint.

The consumer has rejected the initial response on the grounds that he has 13 accounts reporting to his credit instead of the previously stated eight. Upon further investigation into this matter, the remaining five accounts he is referencing have been located and it has been confirmed that these additional five accounts are reporting to the consumer’s credit history as well. We apologize for the mistake and would like to reaffirm that there are 13 paid-in-full accounts reporting to *** *********’s credit as paid items with a $0.00 balance.

Again, Payliance does not report collections accounts to an individual’s credit history unless the accounts have an outstanding balance after 45 days of being in collections. The 13 items on the consumer’s credit still had positive outstanding balances after each were in collections for 45 days. *** ********* did eventually pay these items in full, but it was after the accounts were reported to the credit bureaus; thus the accounts were updated after payment was made to reflect a closed/settled status with a $0.00 balance past due.

Please feel free to contact us if we can be of further assistance.

Consumer Response: they continue to show flaw's in their credit filing practices and now apologize for a mistake, after informing you and i of only 8 items being reported and now they have had a chance to correct their initial response with a simple sorry..Not acceptable< I am in receipt of all 3 credit reports from all 3 of the credit bureau's and Equifax is showing 2 outstanding checks one for 45 and the other for 27,an attorney has informed me of these discrepancies and inconsistencies..Shawn Kelly and his representatives breached a contract and informed me that all of the checks were paid and now this 

 
As you can see they continue to show flawed and questionable credit reporting polices and therefore I am asking again to have them remove all of the items from all 3 of the credit bureau's. they have clearly violated the fair credit reporting act and exercised a breach of power causing me great harm and gross negligence.
 
Finally, Payliance is not credible and has breached a contract with me regarding this new evidence reflecting the 2 outstanding checks
 
What will they do next apologize...
 
This is absurd, unprofessional unfair, and inconsistent reporting and should result in removing all of the derogatory information.
 
I plan to press forward

Regards,
******* *********

Business Response:

**** *** **** ********* ********** *** ****** ******** ****** ** ******* **** *** ******* * ******************** **** *** ***********

Thank you for the opportunity to respond to the above-referenced consumer complaint.

*** ********* has rejected our response due to Payliance’s earlier error in stating the number of accounts *** ********* has as well as his assertion that Payliance is also reporting two additional accounts with outstanding balances.

We have previously apologized for miss-stating the number of accounts that are reporting to *** *********’s credit history. The additional five accounts formerly addressed in our second response were under an alternative spelling of the consumer’s name and is why the actual number of accounts was incorrectly stated in the initial response. The Fair Debt Collections Practices Act states that creditors are only required to remove information from a consumer’s credit history if the information is inaccurate or the result of fraud/forgery. *** *********’s thirteen accounts are within compliance of the FDCPA and are currently reporting as a paid status with a $0.00 balance.

*** ********* now alleges that Payliance is reporting two accounts with active balances to his credit history as well. Upon researching the consumer’s claim, no accounts could be located (under his name or any alternative spellings) that reflect the claims in the consumer’s rejection. In order to research this matter further, the consumer will need to provide the Payliance Disputes Department with either the account numbers for these outstanding checks or a copy of his credit report showing these accounts. This documentation may be sent by mail to
* ****** ***** *** **** ********* ** *****, by fax to ###-###-####, or by email to ***********************

Please feel free to contact us if we can be of further assistance.

Consumer Response:

***** ******* ********* ******************************* ***** ************ *** **** ***** ** *** *********************** ******** ******** ** * ******** ***** ********** 

I stand my ground and reject any and all offers desperately offered by payliance
 
I will not be held accountable, liable or responsible for their serious and convoluted credit practicing policy's. Payliance continues to defy transparency and attempts to simply say we made a mistake, this is unacceptable professionalism and has failed me in every aspect of fair credit reporting.
 
I think this matter has the weight and merit(s) to be forwarded to the fair debt collections practices act as a result of misfiling and or misrepresenting information relevant to my claim.
 
It is axiomatic that this company has severe filing issues, and has admitted to a spelling error in reference to 5 accounts which they initially claimed were being unreported to the credit bureau's, and now is unable to verify 2 accounts being reported to Experian as unpaid. these accounts are ###### for $27.00 and 3 ###### for $45.00 which are fraudulently and continuing to be reported by payliance to Experian, but they have no recollection of such accounts and conclude that according to their records are paid. This alone can be seen as an intentional act designed to cause me great harm and gross negligence which is intolerable in a civilized society and violates the fair debt collection practices act.
 
As a result, of their negligence in properly filing, reporting and accounting information on my behalf, I ask again to either demand having them remove all derogatory information to all 3 credit bureau's based on their fraudulent activity against me or forward it to the proper agency to resolve this matter. 

Business Response:

**** *** **** ********* ********** *** ****** ******** ****** ** ******* **** *** ******* * ******************** **** *** ***********

On July 17, 2014, *** ********* emailed to Payliance the numbers pertaining to the two items still reporting with balances to the credit bureaus. Records for accounts ########## and ########### reflect that the items were each paid-in-full on December 18, 2012. On December 12, 2012, the consumer made partial payments on each account, leaving a balance of $45.58 for account ########## and $27.48 for account ########. When Payliance updated our files with the credit bureaus on December 16, 2012, the accounts were updated to the consumer’s credit with the new adjusted balances. The bureaus were then notified of the full payments and $0.00 balances for both accounts on the next update on December 24, 2012. As a data furnisher, Payliance can only report information to the credit bureaus and had no way of knowing the balances were not correctly updated.

On July 18, 2014, notices for accounts ######## and ######## were sent to Equifax, Experian, and Transunion to have the accounts updated to correctly reflect a $0.00 balance. A letter explaining this action was sent to *** ********* at ************ Submitted with this response is a copy of the letter and the email it was attached to.

We have previously admitted our initial mistake in stating the number of accounts on the consumer’s credit. As stated before, the remaining five accounts were under an alternative spelling and not a miss-spelling of the consumer’s name. The checks we have in our office pertaining to *** ********* have his name spelled in two variations: ** ******* and ********** In his initial complaint, the consumer spelled his name ********* and he did not specify which or how many accounts his complaint was in regards to. Therefore, initially, only the accounts and checks matching the name ********* were pulled and researched.

Payliance respectfully denies the consumer’s request to have all of his accounts deleted from the credit bureaus. Once the bureaus act on the Payliance request to update accounts ###### and #######, all of the consumer’s accounts will accurately reflect their paid status.

Please feel free to contact us if we can be of further assistance.

Consumer Response:

***** ******* ********* ******************************* ***** ********* **** *** **** **** ** *** *********************** ******** ******** *** ***** ** * ******** 
Payliance  and I had an agreement through it's representatives to pay each item in full, no partial payments were ever agreed to, bargained for, mentioned, accepted or contracted to, as a result they allege and claim that these 2 items were partially paid and balances remained thereto. This is a vivacious inaccuracy and a violation to my protective consumer rights and as a result I am withdrawing my claim with this bureau and move to protect my rights through the FTC. 

Also, they claim that my accounts were filed under an alternative spelling, which in fact it is only case sensitive resulting in continuous violations to the fair credit reporting act and to my consumer protection rights.  

They had a duty to protect my rights under the consumer protection act and not only did they fail to properly file my accounts but also breached a contract by not communicating efficiently with its representatives. This was an intentional act deliberately designed to cause serious violations against my rights as a consumer which will not be tolerated thereto. 

I will not be held responsible, liable, accountable and formidable for their misinterpretations of the law.  

Wherefore, I move to withdraw and plan to move forward to protect my consumer rights through the assistance of the FTC.

Sincerely,
 ******* ** *********

7/14/2014 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: This unknown company continues to call when repeated asked to stop. A cease and desist letter has been sent. I have no idea of what they are referring to. Nothing in writing as requested has been received.

Desired Settlement: All calls to all numbers stop immediately.

Business Response:

**** *** **** ********* ********** *** ****** ******** ****** ** ******* **** *** ****** ****************** *** ******** **** *** ***********

Thank you for the opportunity to respond to the above-referenced consumer complaint.

This matter is in regards to a collections account regarding a returned check #### written to **** **** that we have in our office. *** ******** claims that Payliance is continually calling her, specifically on June 20, 21, and 24 of 2014, even though she has requested no more phone calls. To date, the account reflects a phone call was attempted on June 23, 2014 but the consumer could not be reached. Before this attempt, no calls have been made since 2011 and there is no record of the consumer requesting a halt of phone communications. The consumer also has four other accounts which have been previously settled as of 2012 and all collection activities regarding these additional accounts were ceased when settlement was reached.

Additionally, the consumer claims that her request for something in writing has not been fulfilled. Payliance has no record of receiving any such request.

*** ********’s phone number has been removed from all of her accounts, both outstanding and settled. If the consumer still wishes to receive documentation regarding her accounts, she may contact the Payliance Disputes Department at ###-###-####.

Consumer Response:  to my knowledge no check has ever been writen to ***** I've personally never known a restaurant to accept personal checks. I have contacted my local **** restaurant and they state they do not accept personal checks. I've left a message for the manager there to return my call. I've never received any documentation from my bank or **** regarding this matter. Or recall any other accounts at a payliance. Also, will look into possible fraud. 

Regards,
****** ********

Business Response:

**** ** **** ********* ********** *** ****** ******** ****** ** ******* **** *** ****** ****************** *** ******** **** *** ***********

Thank you for the opportunity to respond to the above-referenced consumer complaint.

*** ******** has rejected Payliance’s response on the grounds that she does not recall writing a check to **** **** and that the business does not even accept personal checks.

Payliance is under contract with **** **** to collect on any returned checks or payments made payable to the merchant. A letter of validation along with a copy of the check #### has been mailed today, July 1, 2014, to the address included in the consumer’s initial complaint. Because the consumer surmises this may be the result of fraud, this validation letter includes instructions as to what is required to process an account for fraud/forgery. 

Please feel free to contact us if we can be of further assistance.

6/11/2014 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: I currently have a disputed debt that payliance is trying to collect on. I have spoken to and provided them with information that I'm not liable for the said debt, and that the debt is than not vaild. They inturn have reported this to the major credit agencies, which while a debt is in dispute is a violation of the FDCPA rules and practices of debt collection.

Desired Settlement: I'm at this point looking for damages in the amount $7000 or $1000 for each report volition, and for payliance to contact the major credit reporting agencies and fix my report. The damages are for again violations of the FDCPA, and it is within my rights to sue for $1000 per violation, next I will also be suing for emotional distress, and liable/slander because of the reporting to credit bureaus. I would prefer to settle this out of court, you let me know what you would like to do here.

Business Response:

*** *** **** ********* ********** *** ****** ******** ****** ** ******* **** *** ***** ***************** *** ******** **** *** ***********

Thank you for the opportunity to respond to the above-referenced consumer complaint.

This complaint is in regards to collections accounts for returned payments made payable to the United States Postal Service through their agent, *******. The consumer has previously stated to Payliance representatives that he is not responsible for these items and sent a document to support this position to the Disputes Department on March 6, 2014. This document, however, was only a copy of an email correspondence between the consumer and ******* and was not evidence enough to absolve the consumer of responsibility for the accounts. A letter requesting further proof of supporting *** *******’s claim was sent to his address on March 7, 2014.

In order to resolve this matter, Payliance has submitted a notice to Equifax, Experian, and Transunion to have the accounts removed from his credit history. The consumer should note, however, that these items will remain in collections unless he provides sufficient evidence to clear him of all liability. 

Please feel free to contact us if we can be of further assistance.

6/2/2014 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: PODS & CYBRCOLLECT, INC. ACCESSED MY PERSONAL CREDIT REPORTS WITHOUT PERMISSIBLE PURPOSE AND PLACED A COLLECTION ON MY CREDIT REPORTS THAT DOES NOT BELONG TO ME. THEY HAVE NEVER CONTACTED ME ONCE, THEY HAVE NEVER WROTE ME TO CONFIRM THE VALIDITY OF THE DEBT. I HAVE NOT USED MY CREDIT IN OVER 15 YEARS AND THIS ACCOUNT DOES NOT BELONG TO ME, AND I HAVE NEVER APPLIED FOR CREDIT IN OVER 15 YEARS. ADDITIONALLY, I WAS NOT IN THE UNITED STATES WHEN THIS ACCOUNT WAS EVEN ESTABLISHED.I HAVE NOT ONCE USED MY PERSONAL CREDIT IN THE LAST 15 YEARS, HAVE NOT APPLIED FOR ANYTHING, PAID EVERYONE OFF OVER 15 YEARS AGO AND THERE'S NOT ONE SINGLE INQUIRY ON MY PERSONAL CREDIT REPORT.

SO THERE ARE THE FACTS AS I KNOW THEM, SO TELL ME; HOW IS IT ALLOWABLE THAT THIS COLLECTION AGENCY OR PODS CAN PLACE A COLLECTION ON MY PERSONAL CREDIT REPORTS WITHOUT EVER CONTACTING ME IN WRITING TO CONFIRM THE VALIDITY OF THE DEBT. THIS IS ILLEGAL AND I WILL BE COMING AFTER ALL PARTIES INVOLVED IF THIS COLLECTION IS NOT REMOVED FROM MY PERSONAL CREDIT REPORTS TODAY!!PODS AND CYBERCOLLECT SHOULD BE INVESTIGATED BECAUSE THEY ARE ILLEGALLY ACCESSING MY PERSONAL CREDIT HISTORY AND I WANT IT STOPPED RIGHT NOW AND A LETTER WRITTEN TO ME THAT THEY ARE GOING TO DELETE ANY AND/OR ALL FRAUDULENTLY PLACED COLLECTIONS ON MY PERSONAL CREDIT REPORTS FOR PODS BECAUSE IT DOES NOT BELONG TO ME. BY LAW, THEY ARE SUPPOSE TO NOTIFY ME AND ASK ME IF THIS ACCOUNT IS MINE AND THEY ARE SUPPOSE TO HAVE CONFIRMATION THAT I SIGNED FOR THIS ACCOUNT, OPENED THIS ACCOUNT AND ALL THE PROOF THEREOF. BEING THAT I HAVE NOT APPLIED FOR ANYTHING IN OVER 15 YEARS IT MAKES THIS COLLECTION COMPANY AND PODS LOOK LIKE THE FRAUDS THAT THEY ARE.

I WILL ALSO BE CONTACTING EACH CREDIT REPORTING AGENCIES REGARDING THE REPORTING ACCOUNTS OF PODS AND THAT OF CYBERCOLLECT FOR FRAUDULENTLY ACCESSING AND REVIEWING MY PERSONAL CREDIT HISTORY WITHOUT MY PRIOR VERBAL OR WRITTEN KNOWLEDGE. IF I DO NOT RECEIVE WRITTEN CONFIRMATION FROM PODS THROUGH THE BBB, I WILL BE CONTACTING THE ATTORNEY GENERAL'S OFFICE WITH A FORMAL COMPLAINT AGAINST PODS AND CYBERCOLLECT IN THE STATES OF NEW YORK AND FLORIDA, AS WELL AS CONTACTING THE F.B.I. HOW DARE THESE PEOPLE ATTEMPT TO DO THIS TO MY PERSONAL CREDIT HISTORY WHEN I WAS NOT EVEN IN THE UNITED STATES. REMOVE IT OR GET READY TO SPEND THE NEXT 90 DAYS RESPONDING TO ALL MY COMPLAINTS AGAINST YOU LEGAL NOTICES FROM MY CIVIL ATTORNEY!!!

Desired Settlement: DO NOT WRITE ME BY MAIL AND DO NOT CALL ME. I WANT WRITTEN CONFIRMATION THROUGH THE BBB IN WRITING THAT THIS COLLECTION ACCOUNT IS BEING REMOVED TODAY. IF I DO NOT RECEIVE IT AS REQUESTED; I WILL BE CONTACTING THE ATTORNEY GENERAL'S OFFICE WITH A FORMAL COMPLAINT AGAINST PODS AND CYBERCOLLECT IN THE STATES OF *** **** AND *******, AS WELL AS CONTACTING THE F.B.I. TO REPORT THE FRAUDULENT MISUSE OF MY NAME, ADDRESS AND SOCIAL SECURITY NUMBER. COLLECTION AGENCIES ARE THE #1 FOR CREDIT FRAUD!!!

Business Response:

***** *** **** ********* ********** *** ****** ******** ****** ** ******* **** *** ******* ********************** *** ******** **** *** ***********

Thank you for the opportunity to respond to the above-referenced consumer complaint.

This complaint is in regards to returned check ##### made payable to the PODS, Inc. which was sent to Payliance for collections on July 29, 2008. This account was eventually reported to the consumer’s credit history on September 27, 2008 and the $463.64 balance has remained uncollected.  

The consumer states that they were never notified of this account nor were never given the chance to verify the accuracy of the account. When the check was received by Payliance, a letter notifying the consumer of the account’s collection status was mailed to the address associated with check ##### *** ****** ***** ********** ** *****. This letter included a copy of check ##### and instructions for disputing the validity of the collection account.

Attached along with this response is a letter validating the account as well as a copy of the returned check. This validation letter includes instructions for the consumer should she still believe this account is reporting to her credit in error. Because the consumer requests not to be contacted via mail, this letter has been submitted through the BBB for *** ************’s review.

Please feel free to contact us if we can be of further assistance.

Consumer Response:  THESE PEOPLE DO NOT GET IT.  I HAVE NEVER LIVED AT THE ADDRESS ON ******* ****.  CHECK THE SOCIAL SECURITY #.  I SENT A COPY BY CERTIFIED MAIL WITH A COPY OF MY DRIVER'S LICENSE.  IN 2008 I WAS ON MILITARY DEPLOYMENT AND WASN'T EVEN IN THE USA; AND I SENT A COPY OF THOSE DOCUMENTS BY CERTIFIED MAIL ALSO IF THESE AIRHEADS WOULD READ THE INFORMATION SENT TO THEM; AND LASTLY, MY LAST NAME IS ************.  HELLO AIRHEADS YOU GOT THE WRONG PERSON AND IF YOU DO NOT REMOVE THIS **** I WILL BE COMING AFTER YOU IN CIVIL COURT HERE IN THE STATE OF *** **** AND HIRING AN ATTORNEY IN YOUR STATE AS WELL.  WHAT YOU HAVE DONE IS CRIMINAL, FRAUD, AND A VIOLATION OF MY RIGHTS!!!!

I ONLY HAVE A CHECKING ACCOUNT WITH MY CREDIT UNION AND HAVE NEVER HAD ANY OTHER CHECKING ACCOUNT. THESE PEOPLE ARE UNDER THE ASSUMPTION THAT I AM THIS SAME PERSON THEY ARE LOOKING FOR AND THEY HAVE NO PROOF OF ANYTHING AND YET ALL THEY DID WAS VIOLATE MY CIVIL RIGHTS BY ATTACHING MY NAME TO THIS PODS FILE WHEN I HAVE NEVER EVEN USED PODS. HONESTLY, FOR SAKE OF A BETTER ARGUMENT, I DON'T EVEN KNOW WHAT PODS IS. WHAT IS IT ANYWAYS?

CHECK YOUR (word rejected) RECORDS, CHECK THE SOCIAL SECURITY # OF THIS PERSON, CHECK YOUR MAIL AND READ OVER MY CERTIFIED MAIL WITH ALL ATTACHMENTS TO CONFIRM MY IDENTITY AND DELETE THIS **** . I HAVE NOT APPLIED FOR ANYTHING AND ONCE I GET DONE REPORTING YOUR FRAUDULENT TACTICS TO ALL CREDIT REPORTING AGENCIES YOU WON'T BE ABLE TO REPORT ANY LONGER AND THAT YOU CAN BELIEVE.  YOU ARE BEING INVESTIGATED AS I TYPE.  HOW DARE YOU PEOPLE TRY TO RUIN MY CREDIT WHEN I HAVE NEVER HAD AN ACCOUNT WITH PODS!!!

Regards,
******* ************

Business Response:

***** *** **** ********* ********** *** ****** ******** ****** ** ******* **** *** ******* ********************** *** ******** **** *** ***********

Thank you for the opportunity to respond to the above-referenced consumer complaint.

Per the previous April 23, 2014 validation letter submitted with Payliance’s initial response, if the consumer believes that the account in dispute is reporting to her credit history in error, she may submit a copy of her government-issued identification or either a notarized Affidavit of Forgery or a Police Report so Payliance may investigate the ownership of this item and process the account accordingly. Presently, all investigations into this matter have concluded that the reporting is valid.

In her rejection, the consumer claims that she has previously sent in documentation showing that she did not reside in the United States at the time. Payliance has no records of receiving any such documentation.

Please feel free to contact us if we can be of further assistance.

Business Response:

*** *** **** ********* ********** *** ****** ******** ****** ** ******* **** *** ******* ********************** *** ******** **** *** ***********

Thank you for the opportunity to respond to the above-referenced consumer complaint.

Since *** ************ claims the account in dispute does not belong to her, she may clear her name of the collection item through one of two ways:

If the consumer believes the account is reporting to her in error, i.e. mistaken identity on behalf of Payliance, she may forward a copy of her current government identification. Payliance will then investigate the matter using the information on her identification to determine if this collection account truly belongs to *** ************ or not.

Or, if she believes this account is the result of fraud or forgery, the consumer may send a copy of a Police Report or an Affidavit of Forgery which details the check or collection account. The consumer should note that an Affidavit can be obtained from a bank, an attorney, or online at www.ftc.gov and that the Affidavit must be notarized in order to be considered valid.

Once we receive one of the above-requested documents, the consumer’s account will be processed accordingly.

Please feel free to contact us if we can be of further assistance.

5/28/2014 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: Payliance has been reporting debt on my credit report for several years. My father owned a business and someone stole checks and signed the checks with my name. I have never been on that bank account and it has since been closed due to fraud. I have contacted different police offices about filing a report but because I live in ***** ( not ******* where the checks were stolen they won't touch it ). I have contacted payliance on many occasions to remove it off my credit report and they closed the account but still list it on my report. I cannot get any information from the bank because I was never listed on the bank account. They have no information to tie me to the original checks except a signature which is obviously not mine. I have faxed them my drivers license several times for them to compare signatures. I would like the debt to be removed from my credit report immediately before pursuing legal action. Thank you.

Desired Settlement: I want this debt that is not mine off my credit report. What they did is illegal.

Business Response:

*** *** **** ********* ********** *** ****** ******** ****** ** ******* **** *** ******* ****** *************** *** ******** **** *** ***********

Thank you for the opportunity to respond to the above-referenced consumer complaint.

This complaint is in regards to four returned checks and their subsequent collection accounts we have at our office for a ***** ************ **** Although the consumer’s name is not included on the account information for these checks, they were all endorsed by a ******* ***** and Payliance investigation has shown that the ***** ** **** **** ***** ******** ** ***** address on the checks is tied to the consumer’s previous addresses.

The consumer states that he has previously sent copies of his identification in order to have these items cleared from his name. To date, Payliance has no record of receiving any documentation. The only record Payliance has of contact with the consumer was on February 13, 2013, in which *** ***** requested copies of these checks to be faxed to ###-###-####. The consumer then stated he would forward appropriate documentation to demonstrate that the returned checks do not belong to him.

Because the address on the checks is tied to the consumer’s name, sending a copy of his identification will not be sufficient enough proof to absolve *** ***** of liability. Payliance requires either a Police Report or a notarized Affidavit of Forgery detailing the checks in dispute in order to cancel the items for fraud. Since *** ***** currently lives in another state, an Affidavit may be the easiest form of documentation to him to obtain. The Affidavit can be obtained through a bank or online at www.ftc.gov. Once the requested documentation has been received, Payliance will process the accounts for fraud accordingly.

*** ***** may send his documentation by fax to ###-###-####, by email to disputes@payliance.com, or by mail to the address listed above

Please feel free to contact us if we can be of further assistance.

Consumer Response: I cannot get a letter from the bank because I was not listed on the bank account.  ***** *********** was my fathers old business.  Yes, I once lived with my father.  Why is this on my credit report and not his since he was the owner of the business and bank account.  The last I spoke with him, that account was closed because of check fraud.  My SNN is not tied to these checks, or that bank account.  I want this off my credit report or I will be contacting a attorney.

Regards,
******* *****



Business Response:

*** *** **** ********* ********** *** ****** ******** ****** ** ******* **** *** ******* ****** *************** *** ******** **** *** ***********

Thank you for the opportunity to respond to the above-referenced consumer complaint.

In order to resolve this matter, we have agreed to comply with the consumer’s request and have deleted the four accounts *** ***** claims were fraudulently opened. We have submitted a request to Equifax, Experian, and Transunion to have these items deleted from *** *****’s credit history. The consumer should note that it may take up to 48 hours for this action to be reflected upon his credit report. If these accounts are not removed from the bureaus after the allotted time, we ask that *** ***** contact the Payliance Disputes Department at ###-###-#### to ensure they are removed.

Please feel free to contact us if we can be of further assistance.

5/12/2014 Problems with Product/Service | Read Complaint Details
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Additional Notes

Complaint: Payliance provides check-cashing services of which we have had a long standing contract. We have two pending chargebacks that they have failed to follow-up with. I have been working this since March 23, 2014 and last contact was in late April with **** **********. I sent an email message to his supervisor and left a voicemail message on 5/6/14 and still have not heard back from them. The outstanding challenged amount is $340.00.

Desired Settlement: Last contact with **** is we had to "upload" images from the scanner for two chargebacks and provided him a phone number of someone from Payliance IT to contact to do so. I simply want resolution of the $340 chargeback as our contract states that Payliance will honor checks approved through transaction process. If not resolved soon, we have no other choice than simply cancel service and leave this complaint active.

Business Response:

*** *** **** ********* ********** *** ****** ******** ****** ** ******* **** *** ******* **************** *** ******** **** *** ***********

Thank you for the opportunity to respond to the above-referenced consumer complaint.

This complaint is in regards to *** ****** and his company **** *** ***** and two checks he processed but which were subsequently returned.  The transactions in question were checks converted to an electronic file to be presented at the customer’s bank; one for $100.00 and one for $240.00. *** ****** is requesting that Payliance refund his business the $340.00 dollars for the two checks.

In order to resolve this matter, Payliance has agreed to compensate the consumer the $340.00. Currently, our representatives are working with *** ****** to provide him with new check-scanning equipment in order to prevent this matter from occurring again. The consumer should note that it may take up to five business days to receive these funds.

Please feel free to contact us if we can be of further assistance.

Consumer Response: I have reviewed the response made by the business in reference to complaint ID#####, and find that this resolution is satisfactory to me.

Received a call from ****** on 5/12/14, 4:30 p.m. and it was my understanding that the $340.00 would be reimbursed via a check and to await contact from IT resolution to upgrade non-performing machine which does not allow for image upload and send.

Regards,
******* ******

4/20/2014 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: On April 2, 2014, I saw an unauthorized debit from my checking account on April 1, 2014 in the amount of $30.00 and the tagline on my online statement said Payliance. I googled the company and called and spoke with a customer service agent. I advised that I noticed an unauthorized charge and wanted more information about the company and what it could be about. The agent asked for my name, which I provided and attempted to look up information. He told me that he was unable to find anything with my name and wanted me to confirm the address on the checking account. I explained that I have had identity theft and unauthorized charges in the recent past and was not providing any further personal information to him. He then said he had nothing in his database with my name and couldn't help me. I advised that I would then file a dispute with my bank and let them try to handle this, at which time the agent said "Yeah, Good luck with that" and proceeded to hang up on me. This unauthorized charge caused me to incur an overdraft fee of $30, since it was not a charge I was counting on and I only keep a money in the account to cover my payments. I have had to also incur an additional $30.00 as my bank suggested to put a stop payment against the vendor for prevent any further unauthorized transactions, since it was actually their suggestion that I shut down my account and open a new one if an unauthorized company had my banking information. I cannot shut down the account as of now since I had pending transactions.

Desired Settlement: I would like a refund of my $30.00 that was not authorized, $35.00 for the overdraft fee I occurred and an additional $30.00 for the stop payment I have had to place on the account. Total refund of $95.00

Business Response:

***** ** **** ********* ********** *** ****** ******** ****** ** ******* **** *** ********* *************** *** ******* **** *** ***********

Thank you for the opportunity to respond to the above-referenced consumer complaint.

This complaint is in regards to returned check #232 made payable to the United States Postal Service which was sent to Payliance for collections on March 31, 2014. Check #### was written for an amount of $19.99 but was returned for non-sufficient funds. Once the check was returned, it incurred an additional, state-allowable return check fee of $30.00.

The USPS is a current merchant with Payliance authorizing Payliance to collect on returned checks made payable to the USPS. The USPS has a returned check policy notice posted at the point-of-sale which states returned checks will incur a returned check fee and may be submitted to a third party collection agency. Once the check was turned over to Payliance, the $19.99 face amount and $30.00 fee were re-presented to the consumer’s bank account via an ACH debit.

In her complaint, the consumer states that when she contacted Payliance regarding this issue, no account could be located. The name associated with the account and check #### is ********* * *********, explaining the inability to locate the account using the name of ********* *****. The consumer also states that she has been experiencing unauthorized charges due to a case of identity theft. A letter validating the account with a copy of check #### has been sent to the ** ****** *** ********* ** ***** address associated with the initial complaint. If the consumer believes this item is the result of fraud, the USPS requires her to submit both a police report and an affidavit of forgery detailing the check in dispute in order to investigate the matter. The consumer may forward such documentation via fax at ###-###-####, email to **********************, or mail to * ****** ***** ***** **** ********* ** ******

4/11/2014 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: I have tried on a number of occasions to contact Payalliance through their 1-800 number and their 614 area code number to find out what these charges are that appear on my credit report. It appears that there are duplication of charges and I want to get this resolved as quickly as possible. Every time I call, I get a person who then transfers me to another department and all I can do is leave a voicemail. I have yet to get a return phone call to explain what exactly I owe and who I might be able to repay in order to get these charges off of my credit report.

Desired Settlement: I would like an explanation of the charges so that I can figure out if these charges are truly mine, dispute them if needed or pay them off. As they are impeding my ability to obtain financing.

Business Response:

 

***** ** **** ********* ********** *** ****** ******** ****** ** ******* **** *** **** ****** **************** *** ******* **** *** ***********

 

Thank you for the opportunity to respond to the above-referenced consumer complaint.

This complaint is in regards to four active accounts concerning returned checks made payable to A&P Super Fresh.

In his complaint, the consumer states that several of his accounts have been duplicated on his credit report and that whenever he attempts to contact Payliance by phone to discuss the issue, he reaches a voicemail.

Upon researching this matter further, it appears that three of the consumer’s four accounts were erroneously duplicated with the credit agencies in 2008 due to a computer malfunction. An expedited request has been sent today, April 1, 2014, to have these duplications removed. The consumer should note that it may take up to forty-eight hours for this action to be reflected upon his credit history.

We have contacted Mr. Profit and, per his request, have sent a letter validating each of his accounts to the ** ********** ***** *************** ** ***** address associated with his initial complaint. Each validation letter contains a check copy and an explanation of the account as well as the process for disputing or paying each item.

Please feel free to contact us if we can be of further assistance.

3/18/2014 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: Company refuses to provide any proof of the balances they claim I owe. They are rude when you call back and refuse to say anything other then pay the balance and ask for a credit card or checking account number. I have tried for several years now to find out what this is and where I can simply mail the payment once they provide proof that I owe the money. They refuse any proof and to provide a mailing address.

Desired Settlement: I want this removed from my credit report immediately it's on there for two bills.

Business Response:

Thank you for the opportunity to respond to the above-referenced consumer complaint.

This complaint is in regards to two returned checks that were received in our office in December of 2009. Check number ***, dated November 24, 2009, and check number ***, dated November 22, 2009, were both made payable to ****** ***** Cafeteria but were returned for insufficient funds.  

In her complaint, the consumer alleges that Payliance refuses to provide proof of her outstanding accounts and that when she calls, Payliance representatives have declined to validate her account or provide her with a mailing address. To date, Payliance has no record of speaking with the consumer regarding her two accounts. A letter verifying the balance and account information for both accounts was mailed to the consumer at 620 West *** Street, Birdsboro, PA 19508 on July, 20, 2012.

A validation letter for each account has been mailed today, March 6, 2014, to the 620 West *** Street address provided in the consumer’s complaint. If the consumer wishes to mail a payment, she may send it to Payliance at 3 Easton Oval, Suite 210, Columbus, OH 43219.

Please feel free to contact us if we can be of further assistance.

2/7/2014 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: Payliance added an item to my credit report dropping my credit score. I called in and found out that the collection item does not belong to me. After confirming with the agent it was not mine she told me I would have to mail a bunch of personal info to their company. I am not about to spready my info all over the world. I told her I need it off my credit report today. The agent asked me if I would like to pay the bill and then they will take it off. What kind of scandal is this? They put collection items on credit reports and then after confirming it is not yours they still try and get the money out of you.

Desired Settlement: I want it off my report now! It was verified on the phone that the debt belongs to someone else. I should not have to put in a bunch of work every time a collection agency starts guessing on who to assigne the collection account to. I also want an explanation of why it is ok to try and scam people out of money. If it is established the account is not mine then why have a follow up question of would you like to pay this bill?

Business Response:

 

******** ** **** ********* ******* *** ****** ******** ****** ** ******* **** *** ***** ****** **************** *** *******

 

 

Dear *** ********

Thank you for the opportunity to respond to the above-referenced consumer complaint.

This complaint is in regards to a returned check ##### that was made payable to the United States Postal Service for the amount of $83.22 on October 11, 2013. The check was written from an account belonging to a ***** and ***** ******.

The consumer previously called Payliance on January 31, 2014 and stated that check #####belonged to his parents, ***** and ***** ******, but is reporting to his credit history. Per Payliance policy for mistaken identities, the consumer was advised that he needed to send in a copy of a state-issued identification and a copy of his credit report reflecting the account in dispute in order to investigate the issue and verify the mistaken reporting. However, the consumer refused to provide the required documentation to verify that the reporting was in error.

In order to resolve this matter, Payliance has submitted an expedited request to the credit bureaus Equifax, Experian, and Transunion to have the account removed from ***** ****** *******s credit history. The consumer should note that it may take up to 48 hours from the date of this response for the account to be removed from his credit. If this item is not removed after the allotted time, we ask that the consumer contact the Payliance Disputes Department at ###-###-#### in order to solve this issue and insure the item is deleted from his credit history.

Please feel free to contact us if we can be of further assistance.

Consumer Response: I have reviewed the response made by the business in reference to complaint ID ####, and find that this resolution is satisfactory to me.

Regards,
***** ******




















1/23/2014 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: Payliance is the reason my employer which is also work I did bank closed my account. Payliance went into my account trying to collect on a $9.76 that I was returned by my bank twice already,11/29/13 and 12/3/2013. I contacted the post office and so that I could make the check good and was told to wait until I received written instructions from USPS to make the check good. Payliance submitted the check for $9.76 electronically on 12/19. Also, the submitted a "Preauthorized Debit Payliance ************** for $30.on 12/19 13. I NEVER AUTHORIZED PAYLIANCE OR ANYONE ELSE TO GO INTO MY ACCOUNT FOR ANY AMOUNT OF MONEY; EVER! I contacted them on 12/20 at 8********* to see who was this entering my account under false pretenses. I called in to that # between 3 :00-4:00 CST. The gentlemen stated that I signed a disclaimer when I wrote the check to the post office it is posted in the lobby. I visited three different post offices, three different surburs of ******* and NOTHING, NO LITERATURE like that is displayed. Payliance went into my accout twice on 12/19/13, twice on 12/20 and then again on 12/26. Each time the presuthorized debit was returned causing me $96.00 dollars in NSF charges for an authorized DEBIT that I didn't authorized them to do. I would like $96 refund for the NSF charges immediately.

Desired Settlement: Refund sent to me immediately, Payliance caused my account to be closed.

Business Response:

 

******* *** **** ********* ******* *** ****** ******** ****** ** ******* **** *** ***** * **************** *** *******

 

Dear *** ********

Thank you for the opportunity to respond to the above-referenced consumer complaint.

This complaint is in regards to a returned check ##### that was received by our office on December 18, 2013. Check #### dated November 18, 2013 made payable to the United States Postal Service for the amount of $9.76 was returned for non-sufficient funds. Once the check was returned, it incurred a state-allowable $30.00 fee making a total outstanding balance of $39.76 for the consumer’s account.

The United States Postal Service a current merchant with Payliance authorizing Payliance to collect on returned items made payable to the USPS. Payliance has provided the USPS with a Payliance Check Payment Terms notice stating any returned item made payable to the USPS is subjected to an electronic re-presentment process. This re-presentment process will attempt to debit the face amount of the check up to two times from the consumer’s bank account and the fee amount up to three times.

In the complaint, the consumer states that United States Post Office in question did not have the above Payliance notice posted. After reaching out to the Postal Service, it has been confirmed that the Post Office has the Payliance Check Payment Terms notice posted.

We regret any hardships endured by the consumer as a result of this matter. However, the overdraft fees incurred as a result of the re-presentment process is an issue that the consumer will have to take up with their bank.  

Please feel free to contact us if we can be of further assistance.

Consumer Response:

Payliance is lying.  The USPS, ******* ***** ** where I wrote the check does not have anything posted in their lobby regrarding electronic debiting of there accounts.  This is a lie.  Contact the USPS in ********** ** like I did.  The Oak brook, IL post office, the ******** post office has nothing regarding Payliance or anyone else going into their customers accounts.  Secondly, I just received correspondence from Payliance stating that that they would contact you by MAIL 1st to collect on NSF and then result to electronicing debiting.  I have that in writing that they when straight into my account.  Plus, there practice is deceptive because they used the word "Pre-Authroized" to go into my account.  I NEVER SIGN ANY PAYLIANCE FORMS TO ALLOW THEM TO GO INTO MY ACCOUNT.   NEVER.  THE UNITED STATES POST OFFICE DOES NOT HAVE THE RIGHT TO AUTHORIZED AN INDIVIDUAL OR AN ORGANIZATION TO GO INTO A PRIVATE CITIZENS ACCOUNT.

That stuff they are trying to sell might be the law in Ohio, but here in ******** Payliance is BREAKING the law.

Payliance is lying, deceptive, and totally unprofessional.  BBB ask them to provide you with the correcspodence that they sent me stating after they CONTACT you my mail..... (WHICH THEY NEVER DID!!!  Ask for that correspondence, please.  They are fraudlent and this is so unacceptable to me.  They owe me $96 for every $30 charge that they went into MY account without authorization.  Payliance take it up with your over zealous employee who did this to me. But, please own up to your deceptive practice. And leave me alone.

Regards,
***** ******






























Business Response:

******* *** **** ********* ******* *** ****** ******** ****** ** ******* **** *** ***** * **************** *** *******

Dear *** ********

Thank you for the opportunity to respond to the above-referenced consumer complaint.

In order to resolve this matter, we have reached out to *** ****** and have agreed to refund the $96.00 in bank fees that the consumer has incurred as a result of the re-presentment process for returned check ####. Per the consumer’s request, this refund was electronically credited to her ****** **** Savings Account on Friday, January 17, 2014. *** ****** should expect see these credited funds within five days of the date of this response.

Payliance regrets any hardships endured by *** ****** as a result of this matter and hopes that this resolution satisfies the consumer’s complaint.

Please feel free to contact us if we can be of further assistance.

Consumer Response: I have reviewed the response made by the business in reference to complaint ID #####, and find that this resolution is satisfactory to me.

Regards,
***** ******




















12/27/2013 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: I am writing you in an attempt to file a complaint against Payliance.They are reporting numerous accounts on my credit report which are not mine, and were opened while I was incarcerated. (Accounts # ##############) I've written them numerous times in order for them to investigate these accounts and remove them from my credit report, and they've failed to respond. I am willing to complete a fraud affadavit since I can not file a police report due to my incarceration, please send all correspondence via mail. I've listed my identifying information below to aid you in this complaint. Your attention and assistance in the matter is appreciated.

Full name: ***** **** ****** ***
SS#; xxxxxxx 
DOB: ####

Desired Settlement: I am willing to complete a fraud affadavit since I can not file a police report due to my incarceration.

Business Response:

Thank you for the opportunity to respond to the above-referenced consumer complaint.

This complaint is in regards to 28 accounts the consumer has in our office regarding returned checks made payable to **** ****** and ***** ***. The consumer states that they have previously attempted to contact Payliance regarding these accounts. To date, Payliance has no record of any correspondence with the consumer in regards to investigating or removing these accounts due to fraud.

The consumer has stated that they wish to submit an affidavit of forgery for these checks in order to cancel the accounts for fraud. On December 3, 2013, a letter and affidavit of forgery form was mailed to ***** ****** at the ** *** **** ******** ** ***** address provided on the initial BBB complaint. This letter provides the appropriate account information necessary to complete the affidavit. Once the completed affidavit has been returned, Payliance will be able to process the consumer’s accounts for fraud.  

Please feel free to contact us if we can be of further assistance.

Consumer Response: I am not satisfied with any response from the business as I have not received one and my complaint has not been resolved. Please reopen this case for further review. Thank you

12/27/2013 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: I have tried several times to get validation of this debt and never received a response. Can someone please tell me what this debt is about. I called this company today to get information as to this debt but they couldn't find it in their system so why do they keep verifying this information is correct in their system. I'm not sure if this account is due to fraud or just a mistake. Please give details and validate this debt. This is whats on the credit bureaus records :PAYLIANCEAddress: * ****** **** ********* ** ***** ***** #######Account Number:#####.. Original Creditor:**** **** * ***** **** Address Identification Number: ###### Status: Collection account. $63 past due as of Oct 2010.Status Details: This account is scheduled to continue on record until Aug 2016. This item remained unchanged from our processing of your dispute in Nov 2011. Date Opened: 10/2009Date of Status: 01/2010Reported Since: 01/2010Last Reported Date: 10/2010Type: CollectionTerms: 1 Months Monthly Payment: $0Responsibility: Individual Credit Limit: $63High Balance: N/A Recent Balance: $63Recent Payment: $0

Desired Settlement: Complete and full deletion from all credit reporting agencies and that this debt not be sold to another collection agency.

Business Response:

Thank you for the opportunity to respond to the above-referenced consumer complaint.

This complaint is in regards to a returned check #### that was received by our office November 13, 2009. Check #### dated October 30, 2009 made payable to **** ****** ***** ### for the amount of $38.00 was returned because the account associated with the check was closed. Once the check was returned, it incurred a state-allowable $25.00 returned check fee making a total outstanding balance of $63.00 for *** ****** account.

**** ****’s is under contract with Payliance authorizing Payliance to collect on returned checks made payable to **** ****’s. Under this contract, **** ***n’s was given a Payliance returned check policy notice to be posted at the point-of-sale. This notice states that any returned checks made payable to **** ****'s incur a state-allowable return check fee and are subjected to an electronic re-presentment process. The re-presentment process will attempt to debit the face amount of each check up to two times from the check writer’s bank account and the fee amount up to three times.

In her complaint, the consumer states that her previous attempts to validate this debt have been ignored. To date, Payliance has no record of receiving any type of validation requests from *** ***** nor records of any past correspondence. The consumer also states that when she called Payliance to validate her account, no account could be located. While there is no record of this call on her account, this may be explained by the fact that her account and check #### are under the name ***** *****. 

Although the consumer is writing about an account associated with check ####, we wish to notify her of an additional returned check, ####, that is in our office. This check is dated October 30, 2009 and was also made payable to **** ****s ####. The account for check ### has an outstanding balance of $65.20 past due. Enclosed with this response are copies of checks #### and ####.

If *** ***** feels this debt is the result of fraudulent activity, she may forward either a Police Report or an Affidavit of Forgery detailing the check in dispute. If *** ****** believes that Payliance is attempting to collect from the wrong person, she may forward a copy of her credit report and a government-issued identification. These documents can be sent via fax to ###-###-#### or email to ******

For payment options, *** ****** may contact the Collections Department at ###-###-#### or visit the Payliance website at **********.

Please feel free to contact us if we can be of further assistance.

Consumer Response: I am formally requesting debt validation. Yes I have called in regards to this. How can I give this company a name I have never used before. I am requesting copies of checks. The address is association with this account does not and have not belonged to me. 

 
Also, please advise why in the response from this company are they referring to me as **** ******. Who is **** ***** and who is *********o because I am neither of these people. I will submit a forgery affidavit. This company has not validated this debt an I will report this to the state attorneys general office and the consumer finance protection bureau. I hoping the BBB can assist if legal action needs to be taken. 
Regards,
***** ***** 

Business Response:

Thank you for the opportunity to respond to the above-referenced consumer complaint.

Per the consumer’s most recent complaint, Payliance has sent validation and check copies concerning the two accounts associated with returned checks #### and ####. Validation for each account was sent on December 4, 2013 to the address stated on the initial BBB complaint: ** *** ****** *** ******** ** ******

The name associated with the returned checks and accounts in question is ***** *****. Again, if *** ***** feels this debt is the result of fraudulent activity, she may forward either a Police Report or an Affidavit of Forgery detailing the check in dispute. If the consumer believes that Payliance is attempting to collect from the wrong person, she may forward a copy of her credit report and a government-issued identification.

In the initial response from Payliance, we mistakenly referred to *** ***** as *** ******. This was an error on our behalf and we apologize for any confusion it may have caused.

Please feel free to contact us if we can be of further assistance.

Consumer Response: I am rejecting until I receive the check copies so a affidavit of forgery can be obtained. Please advise where this affidavit should be sent, BBB or to Payliance?
Regards,
***** *****

Business Response:

Thank you for the opportunity to respond to the above-referenced consumer complaint.

Upon obtaining an Affidavit of Forgery, *** ***** will need to forward the document to Payliance through one of the following ways: via fax at ###-###-####, email to*******, or mail to ****** ***** ***** **** ********* ** ******

Once we receive the affidavit, Payliance will investigate the matter and process her accounts accordingly.

Please feel free to contact us if we can be of further assistance.

Consumer Response:

Please advise what was needed from me? Maybe I missed an email or something. 

 ***** *****



12/7/2013 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: My wife wrote out a check to pay for my kids lunch. At the same time her purse was stolen and she cancelled the account. She did not realize that there was two checks outstanding, one for $20 and one for $25. This company never reached out to me with a letter, but said they called and spoke to my 12 year old son and then an automated person called and someone picked up and said not interested. I happen to see my credit and it showed two new collections on it. I called right away and tried to explain that first of all, I never wrote a check to them so I m not sure how they can put a collection against me and second I wanted to pay them but they needed to remove this from my credit. They where very rude and did not accept my explanation at all. They teased me about paying my bills and then we got into an argument. Its ver unfair that because they have the power that they are not will ing to work this out. If they would have called my cell phone, emailed me, wrote a letter or left a message this would never have been an issue and this is why they have a bad name.

Desired Settlement: I want to pay them and have my credit cleared of this mistake. I did not write the check.

Business Response:

Thank you for the opportunity to respond to the above-referenced consumer complaint.

This complaint is in regards to two returned checks we received in our office on August 28, 2013. Check #### and check #### were both written to **** ***** **** *** **** for $25.00 and $20.00 respectively. Per standard procedure, a collection notice for each account was mailed on August 28, 2013 to the address associated on the checks: **** ** ****** ***** ****** **** ****** ** ****** To date, all collection attempts regarding this matter have been unsuccessful.

The consumer states that he did not write these checks to Payliance and doesn’t understand why we are collecting on his checks. **** ***** **** *** **** is under contract with Payliance authorizing Payliance to collect on returned checks made payable to **** ***** **** *** ****. Under this contract, **** ***** was given a Payliance returned check policy notice to be posted at the point-of-sale. This policy states that any returned checks made payable to **** ***** **** *** **** incur a state-allowable return check fee and submitted to Payliance for collections.

In his desired settlement, *** ***** states that he wishes to settle this debt in return for a removal of these items from his credit report. When accounts are paid-in-full, they are updated with the credit bureaus to reflect a settled/closed status with a $0.00 balance past due. If *** ***** desires to settle these accounts, he may contact the Payliance Collections Department at ###-###-####.

Please feel free to contact us if we can be of further assistance.

Consumer Response:

This should not be a collection. There was no letter sent to me., My wife wrote out the checks and then her check book and purse was stolen and the account was closed. They made, according to them, three phone calls from an automated system and the person who answered the phone said no thank you and hung up. Obviously assuming it was a solicitor. Some common sense should prevail here.


Regards,
***** *****

Business Response:

Thank you for the opportunity to respond to the above-referenced consumer complaint.

This complaint is in regards to two returned checks we received in our office on August 28, 2013. The consumer states that he was never made aware that these checks were turned in to collections. As stated in the previous response, an initial collection letter for each check was sent to *** * **** *****’s address. Since then, several phone calls have been made to their residence in regards to this matter.

On November 25, 2013, **** ******** ***** called the Payliance Collections Department and made a credit card payment for the full balance of each check. Currently, both accounts are paid-in-full. Payliance has notified the credit bureaus of this payment and the accounts will be updated to a settled/closed status reflecting a $0.00 past due. *** ***** should note that it may take up to 30 days for these changes to take effect on his credit report.

Please feel free to contact us if we can be of further assistance.

12/2/2013 Problems with Product/Service | Read Complaint Details
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Additional Notes

Complaint: On 10/10/2013 I wrote an electronic check on the ****** ****** ****# in the amount of $104.75 to Payliance for my grandson's lunch meals at ***** ***** **** ******---Payliance tried to debit my savings account at ****** ****** ***** but there was not enough money in that account so they sent me a letter saying the check did not go through and they were charging me a $30 service charge. I immediately wrote another check in the amount of $104.75 on the ****** ****** *****---went through with no problem.

I have talked to these people ###-###-#### three times. They have told me that they had mailed out a refund for the service charge on 10/21/2013. I have not received a refund nor has my account been credited nor would they let me talk to a supervisor. I think 3 phones calls should be enough yet no refund. Would you please forward this email to their supervision or in some fashion contact them for me. customerservice@payliance.com Additionally they have notified ***'s database that I had sent them a bad check. HELP the people should not get by with kind of abuse!!Thanks In Advance************###-###-####cell ###-###-####

Desired Settlement: I want my $30 refund and I want *** database entry removed

Business Response:

Thank you for the opportunity to respond to the above-referenced consumer complaint.

This complaint is in regards to a returned check #######that was received by our office on October 10, 2013. Check ######, dated October 9, 2013, was made payable to ***** ****** ****** **** *** **** for an amount of $104.75 but was returned due to an error on behalf of the merchant. Per the merchant’s request, Payliance agreed to refund the $30.00 returned check fee back to the consumer’s bank account on October 21, 2013. Unfortunately, due to a processing mistake, this refund was not credited on time. In light of this, the $30.00 refund was credited Monday, November 18, 2013 to *** *******’s bank account. *** ******* should note that it may take 48 hours for this transaction to appear on his statement.  

In his complaint, the consumer also alleges that Payliance has flagged his name in the National Check Network’s (NCN) database regarding this issue. After contacting a representative from NCN, it has been confirmed that *** ******* does not have an entry in the NCN database for Payliance.

We regret any hardships endured by the consumer as a result of this matter and we look forward to resolving this issue with *** *******.

Please feel free to contact us if we can be of further assistance.

11/19/2013 Problems with Product/Service | Read Complaint Details
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Additional Notes

Complaint: Company will not communicate to validate debt collection account.

Desired Settlement: Contact me by email to settle dispute or I will be forced to file suit.

Business Response:

Thank you for the opportunity to respond to the above-referenced consumer complaint.

This complaint is in regards to a returned check ####  that was received by our office October 7, 2011. Check #### dated September 15, 2011 made payable to ****** ***** ******* was returned because the bank account was closed. On October 2, 2012, *** ***** paid in full the balance on his account with an arranged credit card payment. Currently this account has a $0.00 balance and all collection activity regarding this matter has ceased.

In his complaint *** ***** states that his requests to validate this debt have been ignored. To date, Payliance has no record of any requests for validation on this account and no record of any correspondence with *** ***** since the arranged credit card payment in October of 2012. If the consumer wishes for validation of his paid account, we will be happy to forward the appropriate documents to *** *****.

Please feel free to contact us if we can be of further assistance.

Consumer Response: Now that I have finally received an explanation of the account, I would like the complaint to stand for the following reasons.  

I paid the collection once I found it on my credit report because I did not want it to harm my credit, however, the account is still showing in my negative remarks.

People make mistakes - the chance of a mistake probably goes up when under the influence of sedatives used for oral surgery.  The collections agency should realize who they are working with and try to resolve the issue before ruining someones credit history.  I wrote this check immediately after having 3 wisdom teeth pulled.  I had recently changed bank accounts and grabbed the wrong check book.  Afterwards, seeing this collection account on my credit report was the first instance I was notified of having written a bad check. 

I was never notified by the surgery center, which should be quite obvious considering the time lapse between the check date and collections being opened.  It is my opinion the collections agency should have questioned why a dental surgery center was trying to collect on a check less than 30 days after the surgery without having any communication with the patient and not just accept it as valid. 

I was never notified by the collections agency.  I looked up their website based on the name from my credit report. 

I will accept a complete removal of these accounts from all 3 credit bureaus for this complaint to be totally resolved.  If we can't reach an agreement I am prepared to open suit for defamation of character. 
 
Regards,
**** *****

Business Response:

******** ** **** ********* ******* *** ****** ******** ****** ** ******* **** *** **** *************** ** ******** **** *** ********

Thank you for the opportunity to respond to the above-referenced consumer complaint.

This complaint is in regards to an account that has been paid-in-full since October of 2012 and is currently reporting as paid/settled with a $0.00 balance. In order to resolve this matter, Payliance has removed this item from the consumer’s credit. *** ***** should note that it may take up to 30 days for this change to be reflected on his report.

Please feel free to contact us if we can be of further assistance.

11/2/2013 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: This company is attempting to collect a debt on our behalf. They were never assigned a debt or contacted by us. They are making threats to our client to collect a bounced check which we already handled with our client and allege that they will be filing against her credit with NO AUTHORIZATION TO REPRESENT OUR COMPANY.

Desired Settlement: I want them to withdraw their alleged claim against our client. I want them fined for violation of the FDCPA. I want them disciplined for fraud in their actions with our client and I would like them to write a letter to our client and the credit agencies to clear her credit. I want them to follow ethical business practices. They are unethical and this is harmful to our reputation.

Business Response: Thank you for the opportunity to respond to the above-referenced consumer complaint. This complaint is in regards to alleged collection activity on a client of **** ****** **** *** ****, Ms. ****** ********. Mr. ***** claims that Payliance was never assigned this debt and the matter has been settled with the client. Further, Mr. ***** states that Payliance has no authority to represent and collect on behalf of **** ****** **** *** ****. After corresponding with Mr. ***** regarding this issue, it has been determined that Payliance was previously contracted with a different business under the PB Associates name, ***** Life Coaching. However, this business opted not renew their contract with Payliance once it expired and Payliance no longer has any active accounts with this business. Payliance has no record of an account for a ****** ******** nor any accounts associated with **** ****** **** *** ****. If Mr. ***** still believes that Payliance is collecting in error, he may forward any additional information on Ms. ******** in order to investigate this matter further. However, based on the information provided so far, no record has been located. We look forward to resolving this issue with Mr. ***** and his business as soon as possible. Please feel free to contact us if we can be of further assistance.

10/31/2013 Problems with Product/Service | Read Complaint Details
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Additional Notes

Complaint: The caller is calling in regards to Payliance, a merchant processing service of checks. The service for the consumer began on 07/7/2012. The consumer has tried to work with the supplier for over a year. The consumer has a contract with the supplier. The supplier continues to overcharge the consumer for the service. The supplier owes approx. less than $1000.00 to the consumer.

Desired Settlement: The consumer would like to see the supplier held to the original contract and investigated for criminal charges.

Business Response:

Thank you for the opportunity to respond to the above referenced consumer complaint.

This complaint is in regards to an application submitted to Payliance on May 14, 2012.  The application was submitted on behalf of ****** and his business, ***** ****** *****, by an independent sales company (Check by Phone) authorized to resell our ACH processing services.  The application was signed by ******.  That application, which is also attached, was used to approve and set up an account for ***** ****** *****.  Once ****** began processing he reached out to our offices requesting his pricing be reviewed.  He believed it was altered from the application he originally signed.  We then reached out to the independent sales company who denied altering the application but did agree to change the pricing to what ****** was requesting.  We updated the pricing in his account, and requested the independent sales company to issue a refund for the month of services with allegedly incorrect pricing.  The agent agreed to issue said refund. 

We believed this issue was resolved until a couple of weeks ago when we received an email from ****** stating he was upset with his sales company and was going to get an attorney if they (the sales company) did not issue his refund soon.  Knowing the frustration ****** was having with the sales company we decided to issue the refund directly; this was requested on 10/11/2013 and processed on 10/17/2013.  The amount of the refund in question, per ******, was $100. 

In Summary, we had processed an application, signed by ******, per standard procedure.  When we received ******’s initial complaint we changed the pricing in his account and believed he was refunded everything requested.  To our knowledge, the issue had been fully resolved.  Upon recently learning that the issue of the refund was still outstanding, we quickly took the initiative to refund ****** ourselves.  ****** is not being overcharged, and he has already been refunded everything requested.

Please feel free to contact us if we can be of further assistance.

10/26/2013 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: This company has sent withdrawal attempts to our checking account for the past 4 days, for an issue that was resolved 10 days ago. They are trying to make illegal withdrawals from this account.

Desired Settlement: Refund of ALL overdraft fees incurred. This was dealing with ******** Auto parts.

Business Response: Thank you for the opportunity to respond to the above-referenced consumer complaint. This complaint is in regards to a returned check #**** that was received by our office October 3, 2013. Check #**** dated Monday, September 23, 2013 made payable to ******* Auto Parts #**** was returned for non-sufficient funds. Once the check was returned, it entered an electronic re-presentment process that automatically attempts to debit the funds for the returned check from the consumer’s bank account.   According to the manager at *******’s #****, the consumer informed *******’s that check #**** would be returned before the check was presented to the bank and made an arrangement with the store to cover the costs of the items purchased. Therefore, this check should not have been submitted for collection.   Currently Payliance is awaiting the results from the most recent electronic re-presentment process dated October 10, 2013. Should this re-presentment attempt return paid, Payliance will immediately reimburse the consumer for any funds debited during this re-presentment. Further, if the consumer provides our office with a copy of his bank statement showing the amount of overdraft fees incurred as a result of the re-presentments, Payliance will reimburse him for those charges.   We regret any hardships endured by the consumer as a result of this matter and we look forward to resolving this issue with Mr. *******.   Please feel free to contact us if we can be of further assistance.  

10/8/2013 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: This company has put on my Equifax credit report that I owe $55.00 for a returned check. I have never been contacted by this comapany nor do I believe this to be a valid debit. I'm asking for proof that this is a valid debt or for it to be immediately removed from my credit report.

Desired Settlement: I would like this to be immediately removed from my credit report.

Business Response: Thank you for the opportunity to respond to the above-referenced consumer complaint. This complaint is in regards to a returned check #**** that was received by our office November 25, 2009. Check #**** dated October 21, 2009 made payable to ****** ***** *********** for the amount of $19.50 was returned for not-sufficient funds. Once the check was returned, it incurred a state-allowable $35.00 fee making a total outstanding balance of $54.50 for ****** ****’ account. The consumer claims that they were never contacted regarding this account. On December 14, 2009, an automated letter was sent to the 42 ****** Ave, Hamilton Square, NJ 08690 address provided on check #****. This letters states that the returned check was assigned to Payliance for collection and elaborates on the fees and amounts that are outstanding. If the consumer feels this debt is the result of fraudulent activity, they may forward either a Police Report or an Affidavit of Forgery detailing the check in dispute. If the consumer believes that Payliance is attempting to collect from the wrong person, they may forward a copy of their credit report and a government-issued identification. These documents can be sent via fax to ###-###-#### or email to ********@payliance.com. For payment options, the consumer may contact the Collections Department at ###-###-#### or visit the Payliance website at www.payliance.com. Please feel free to contact us if we can be of further assistance.

9/30/2013 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: I have never heard of this company before in my life and it appears to be withdrawing $60 from my bank account in 2 payments of $30 at the same time. Now, I've been out of work for 2 years and that kind of money usually isn't even in my account anyway. As it happens, this random withdraw without warning has caused me to bounce 2 checks. I did not authorize this company to take money out of my account. I have never heard of this company and have no idea why I'm being charged and have had no prior warning.

Desired Settlement: I would like as much in writing as possible from the BBB so I can file a civil suit as what they have done is illegal.

9/23/2013 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: I had made an agreement with these people for this to be paid in September and instead of waiting until September, they continuously turned this checks in, sometimes 3 times a day. Each time they did it, there was a 29.00 overdraft fee, and their fee as well. Once an agreement was in place they should NEVER have continued to turn them in.I get 937.00 a month, They overdrew my account 987.00 just by doing this. I do not have a car payment, they came and got the car already. I am going to be evicted because I don't have rent money. They should have stopped when the agreement was met. I tried talking to them and was informed they can do what they want to. I told them that I was contacting the BBB, and he said you are going to contact the company I work for, and then promptly told me that I couldn't do that. I am showing them that I can and I will. I can send you a copy of the emails if you need them. They never replied to anything, I may have to change my phone number due to the harassment that I have received. My health, especially my blood pressure is through the roof, they have doubled my nerve medicines. What gives them the right to completely try and destroy someone? They had 3 post dated checks that had they not began sending them all 3 through at one time, would have been fine. I think that they should calm down and do the right thing instead of tormenting and harassing someone. They are bullies, tormentors, harassers and they should be stopped. I am enclosing a copy of the email. Also, after this email is when they started to hit the account three times a day.Thank you for your time and consideration. Sincerely,******

I get 937.00 a month and I have overdraft protection which usually pays any overdraft off. Until you came along. You have re-deposited checks, sometimes twice a day, to the tune of 735.00 overdraft, 15 times, even after I tried to make arrangements to pay them off, you kept re-depositing them. There isnt going to be any money for the payment now, so thank you for that. I have no rent money, no car payment money, no insurance or food money. Tell me how does it make you feel knowing that YOU have done something like this. How do you sleep at night?Our agreement was that it would be paid in September, yet you kept on sending them through and sending them through. Tell me once you have an agreement with someone does that not matter? I need a statement from you saying that we did in fact have an agreement for September. Is that impossible for you to do as well?All I have asked is that you stop sending them through, and I believe most people would, but not you. You continue to send them through twice a day. You have forced me to have to close my account at a bank that has been very good to me. So, as soon as that 937.00 hits my account and everything is paid off this account will be closed. Unlike you I am upfront about matters, I have told you this, but it doesnt matter. I will be homeless when I cant pay the rent, and I wont have a car to even stay in. How does that make you feel.Oh, I can hear you now, its your fault for doing it, maybe so, but had you not started depositing all three checks at once from the beginning we would not be in this situation. Now would we. Instead of turning them over to you, they should have contacted me first, that would have been the best thing to do. Not immediately throw people to the sharks.Have a good day, nice life, etc., because you sure have ruined mine.

Desired Settlement: I feel that it should be done for mainly because had they not been such jerks they would have gotten their money. I would like to know why they do things like that. I think I should be refunded minus their 300.00 for this, because had they not been so excessive in trying to get the money in what seems to be a bullying, obsessive form, we would not be here at this point.

Business Response: Thank you for the opportunity to respond to the above-referenced consumer complaint.

This complaint is in regards to a returned check #### that was received by our office October 1, 2009. Check #### dated Tuesday, September 22, 2009 made payable to *** **** ** for the amount of $13.48 was returned for non-sufficient funds. Once the check was returned, it incurred a state-allowable $35.00 fee as well as a $10.00 bank fee making a total outstanding balance of $48.48 for *** ******’s account.

If *** ****** feels this debt is the result of fraudulent activity, she may forward either a Police Report or an Affidavit of Forgery detailing the check in dispute. If *** ****** believes that Payliance is attempting to collect from the wrong person, she may forward a copy of her credit report and a government-issued identification. These documents can be sent via fax to ###-###-#### or email to disputes@payliance.com.

For payment options, *** ****** may contact the Collections Department at ###-###-#### or visit the Payliance website at www.payliance.com.

Please feel free to contact us if we can be of further assistance.

Consumer Response:

Mt name is NOT ******** ******, nor has it ever been. I don't know why you would even send me someone else's personal information.

Regards,

******** *******






























Business Response:

Thank you for the opportunity to respond to the above referenced consumer complaint.

This complaint is in regards to the following two return checks that were received in our office: ####and ####. The consumer claims that when she made a payment arrangement for check #### on August 16, 2013, she believed that the re-presentments for check #### would be halted as well. Unfortunately, it is Payliance policy to halt the re-presentment process only for checks in which a payment arrangement has been promised.

The consumer also states that after the payment arrangement was made, Payliance continued to re-present these two checks up to three times a day. Once the arrangement was made for check ####, the re-presentment process was canceled for this account. Re-presentment continued for check ####, however, as no arrangement was made for this account. Re-presentments for this check attempted to debit from the consumer’s account but were returned for non-sufficient funds on the following dates:

1.    August 16, 2013 for the amount of $112.99 for the original amount of the check, and $39.00 for the amount of the return fees.

2.    August 22, 2013 for the amount of $112.99 for the original amount of the check, and $39.00 for the amount of the return fees.

3.    August 27, 2013 for the amount of $39.00 for the amount of the return fees.

We regret any hardships incurred by the consumer as a result of this misunderstanding. As a gesture of goodwill, we are waiving the return fees incurred by returned checks #### and #### making an adjusted balance of $112.99 for each check and a total balance of $225.98 for both accounts.

Please feel free to contact us if we can be of further assistance.

Consumer Response: While that is a decent offer. You have not responded to the fact that because of your over zealous ways, you have in fact lost me my home, and my car not  to mention my bank account. I feel that you should reimburse me for all the overdrafts from my bank as well. And not only that when I tried to set up a payment plan for the second check, I was told I could not. I told you by phone, and by email what you were doing to me and EVERY time that I did, in would go those checks 2 to 3 times a day again. It was a petty, childish thing to do, and you did it because you could and no other reason. 

Not only do I want those funds returned, I want an apology for this **** as well.

Regards,

******** *******

 



























Business Response: Thank you for the opportunity to respond to the above referenced consumer complaint.

This complaint is in regards to the following two return checks made payable to American Studios, Inc. that were received in our office: #### and ####. The consumer claims that when she made a payment arrangement for check #### on August 16, 2013, she was denied the opportunity to make a payment arrangement for check ####. *** ******* could not make a payment arrangement for check #### at the time because this check was currently undergoing the re-presentment process. In order to avoid a double-payment on a single account, it is collector policy at Payliance not to make payment arrangements on checks that are in the re-presentment process.  

We regret any hardships incurred by the consumer regarding these returned checks. However, the consumer’s ******** ******* receipt clearly states the nature of the re-presentment process if a check is returned. Please find a copy of the receipt enclosed with this response.

Please feel free to contact us if we can be of further assistance.

 

9/17/2013 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: I just pulled a copy of my credit report and noticed that your agency is reporting that I owe you a debt. Be advised, this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 (b) that your claim is disputed and validation is requested.This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your office provide me with competent evidence that I have any legal obligation to pay you.Please provide me with the following:What the money you say I owe is for;Explain and show me how you calculated what you say I owe;Provide me with copies of any papers that show I agreed to pay what you say I owe;Provide a verification or copy of any judgment if applicable;Identify the original creditor;Prove the Statute of Limitations has not expired on this account;Show me that you are licensed to collect in my state; andProvide me with your license numbers and Registered Agent.If your offices have reported invalidated information to any of the three major Credit Bureaus (Equifax, Experian or Trans-Union); said action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent I will not hesitate in bringing legal action against you for the following:Violation of the Fair Credit Reporting ActViolation of the Fair Debt Collection Practices ActDefamation of CharacterIf your offices are able to provide the proper documentation as requested, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist.Also during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel. This includes any information to a credit reporting repository that could be inaccurate or invalidated or verifying an account as accurate when in fact there is no provided proof that it is.If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately.I would also like to request, in writing, that no telephone contact be made by your offices to my home or to my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls or correspondence sent to any third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter.This is an attempt to correct your records. Any information obtained shall be used for that purpose.

Desired Settlement: If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately.I would also like to request, in writing, that no telephone contact be made by your offices to my home or to my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls or correspondence sent to any third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter.This is an attempt to correct your records. Any information obtained shall be used for that purpose.

Business Response: Thank you for the opportunity to respond to the above-referenced consumer complaint. This complaint is in regards to a returned check #**** that was received by our office October 1, 2009. Check #**** dated Tuesday, September 22, 2009 made payable to *** **** #5 for the amount of $13.48 was returned for non-sufficient funds. Once the check was returned, it incurred a state-allowable $35.00 fee as well as a $10.00 bank fee making a total outstanding balance of $48.48 for Ms. ******’s account. If Ms. ****** feels this debt is the result of fraudulent activity, she may forward either a Police Report or an Affidavit of Forgery detailing the check in dispute. If Ms. ****** believes that Payliance is attempting to collect from the wrong person, she may forward a copy of her credit report and a government-issued identification. These documents can be sent via fax to ###-###-#### or email to *******s@payliance.com. For payment options, Ms. ****** may contact the Collections Department at ###-###-#### or visit the Payliance website at www.payliance.com. Please feel free to contact us if we can be of further assistance.

8/15/2013 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: THE ACCOUNT THAT THEY HAVE A CHECK ON FILE FOR ME REGARDING A **********THIS ACCOUNT/CHECK IS NOT MINE-I PROVIDE PROOF AND GOT A LETTER FROM THEM STATING THAT THEY ARE GOING TO DELETE OFF MY CREDIT-AFTER 2 ROUNDS OF DISPUTES THE ACCOUNT WITH THE CREDIT REPORTING COMPANIES-THEY STILL HAVEN'T REMOVED THE ACCOUNT OFF MY CREDIT REPORT.

Desired Settlement: I want the account off my credit report.

Business Response:

Thank you for the opportunity to respond to the above referenced consumer complaint.

This complaint is in regards to a returned check that was received in our office.  The consumer is stating that that she has provided proof that this check was fraud and has received a letter from us stating that we are going to delete it from her credit report.  She also states that she has disputed this twice and we still have not removed this item. 

Our records indicate that this check was written on August 15, 2008 to ***** *** for $20.00 and was returned for non-sufficient funds.  We received this check in our office and a letter was computer generated and mailed to the address off the check.  Our records show that there were no phone conversations until May 30, 2012 when she called in and stated that she did not write this check.  At that time she was told to send in a notarized Affidavit of Forgery or police report.  On May 30, 2013 we received a notice from ****** to delete the account.  The deletion was processed and was updated with the reporting that was done on June 11, 2013.  Our account, however, was not cancelled because we still had not received the required paperwork to prove fraud.  On June 10, 2013 we received a dispute through ****** stating this was inaccurate info.  We verified the information that we have but still had the account with a balance since we still had not received the affidavit or police report.  We received an Affidavit of Forgery on June 11, 2013 but it did not have the check number listed.  At that time a letter was mailed to her to let her know we had the affidavit but it did not have a check number listed and we needed the check information to be on the paperwork.  We received the correct affidavit on July 2, 2013.  On that date the account was cancelled out of our system and a notice was sent to the credit bureaus to remove this item from the credit report.  Our records show that this has been removed from the credit bureaus.  A letter went out that day stating that this account has been cancelled and a request was sent to the credit bureaus and to allow them 30-45 days for the information to be updated.

If this item is still showing on the credit report after the 30-45 days we would request that a copy of the credit report be sent to us with the item showing and we will look into it further. 

Please feel free to contact us if we can be of further assistance.

8/13/2013 Problems with Product/Service | Read Complaint Details
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Additional Notes

Complaint: Hi,I need to make a dispute because of fraud that has come through my *******t account via en electronic check conversion. I placed an order to one of Payliance's clients, ***** *** in ************ *********** and paid by gift card. That part is not the problem. However, when the driver arrived, I paid the driver a tip by check. This check was for him, not ***** ***. Perhaps out of convenience, the driver had ***** *** run the check electronically instead of depositing it himself. Had the driver deposited this check himself, he would have been paid as I was just going to deposit funds into this account.I could not consent to ***** *** running the check electronically, because I did not write a check to ***** ***. Instead, the check was to the driver. Now, I am happy to pay for the driver's tip (although I'm displeased with his fraud in this regard). But I cannot pay this $40 fee. I know Payliance would hate to know that checks for individuals are being run through their system illegally and will want to resolve this quickly. I am not a complainer, and just want this fixed. The Federal Trade Commission requires notice to run these checks electronically. Since the check was not to ***** ***, but to the driver directly, there was no such notice. Please contact me soon so that we can resolve this. If need be, just look at the check and see I did not write to out to ***** ***.

Desired Settlement: I am fine with the $5 check going to the driver, as I do not want to delay his tip. However, ***** *** was not authorized to run that check, even if they give notice of such, because the check was not to them. Because of this, I would like a refund of all fees assessed by Payliance which is currently $40.

Business Response: Thank you for the opportunity to respond to the above referenced consumer complaint.

This complaint is in regards to a returned check that was received in our office.  The consumer is stating that that the check was written to the delivery driver for his tip not to ***** ****  Therefore he states that he was not given notice of the electronic conversion policy and is requesting a refund of the $40.00 fee that has been put onto this account.  
Our records indicate that this check was written on July 30, 2013 for $5.00.  The memo line of the check says tip but there is nothing on the pay to line.  The consumer also states that he was going to deposit funds into his account to cover this check and had the driver took the check to his bank rather than cashing it at ***** ****it would have been covered.  It was the decision of the driver to cash his check at ***** ****rather than going to his bank.  There is, at the store location, a notice stating the electronic conversation and return check policy.  

Since the check was cashed at ***** **** the driver got his $5.00.  The check was returned by ******** bank for non-sufficient funds which means ***** ****has never gotten the $5.00 that they paid to the driver.  That is how we ended up with the check which is why the $40.00 fee was attached.

We have waived the $40.00 fee but the $5.00 is still due.  The consumer will need to contact our Collections Department at ###-###-#### for payment.  

Please feel free to contact us if we can be of further assistance.






Consumer Response: I am happy to hear that Payliance has agreed to waive the $40 fee. Tomorrow I will contact my bank and make them aware of this as the $45 charge resulted in overdraft charges. Then I will contact the Payliance number and make a payment in the amount of $5. 

Regards,

****** *****



















7/21/2013 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: I received a notice that Payliance was trying to collect a debt for my company. They had my check # and the amount of the check that they were trying to collect on. The check was made to ******** ******* but they said they are collecting for the ****. I've called my credit card company, bank and the ****. That check has never cleared my bank, never bounced, and my credit card company has no record of a bounced check to them. I don't owe the post office any money. I called the post office and they said this company doesn't collect debts for them.

Desired Settlement: I would like an explanation to see if they have the wrong company or if this is fraud. I've tried to call the number on the notice but the mailbox is full.

Business Response:

Thank you for the opportunity to respond to the above referenced consumer complaint.

This complaint is in regards to a returned check that was received in our office.  The consumer is stating that we are attempting to collect on a check for her company.  She states that the check was made out to ******** ******* but we have it as **** (****** ****** ****** *******).  She also states that the check has never cleared her bank, never bounced, and her credit card company has no record of a bounced check.  She also states that she called the post office and was told that we do not collect for them.    

We are unable to research this without the company name or our account number.  Once this information is received we will be more than happy to look into this complaint.  We do do the collections for the USPS, maybe that postal worker just didn’t know that. 

Please feel free to contact us if we can be of further assistance.

 

 

 

 

Consumer Response:

The business name is ***** ***** *********, Inc.  I believe that is all they needed to check into this.  They also said they do not collect for the post office.  They might in other states and maybe in Utah but when I called the **** in my community they said that is not who they use.  So I'm not sure about that but I've never written a 250.00 dollar check to the post office. It sounds like someone got a hold of this check.  It is a weird situation.  
 
Thanks

Business Response:

Thank you for the opportunity to respond to the above referenced consumer complaint.

This complaint is in regards to a returned check that was received in our office.  The consumer is stating that we are attempting to collect on a check for her company.  She states that the check was made out to ******** ******* but we have it as **** (****** ****** ****** *******).  She also states that the check has never cleared her bank, never bounced, and her credit card company has no record of a bounced check.  She also states that she called the post office and was told that we do not collect for them.    

We are unable to research this without the company name or our account number.  Once this information is received we will be more than happy to look into this complaint.  We do do the collections for the USPS, maybe that postal worker just didn’t know that. 

Since our initial response on June 27, 2013 we have now been given the name of the company that the returned check for this account is associated.  We have located the account and have looked into this complaint.  The check in question was written to ******** ******* but was cashed at the ****** ****** **** ******, which is one of our merchants.  When the check was returned to them by the bank they in turn sent it to us to collect on. 

Our records indicate that this account was paid with a credit card on May 23, 2013.  Our account has a zero balance.  If there is any further issues with this check being cashed by the post office unfortunately that will have to be taken up with the postal service as they are the ones that sent the check to us to be collected on. 

Please feel free to contact us if we can be of further assistance.

 

 

 

 

7/8/2013 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: I had an issue with some returned checks at the end of December 2012 and the beginning of January 2013. Three checks to the same merchant were returned. In January, all three checks had cleared my bank account. I was assessed multiple insufficient fund fees at $38.00 a run. Then I started to get 'surprise' charges on my bank account from Payliance. I then had to pay an additional $24.00 to my bank to have a stop payment put on my account.I contacted Payliance to find out who they were, and discovered that they are a company that the merchant works with to collect returned checks. I agreed to pay them a one time payment in an estimated amount of $157.00 and told them that did not have my authorization to charge my account with any other charges. Payliance told me that they had signs at the merchant stating that they had the right to charge accounts that had returned items. I have NEVER seen their sign at the merchant, in fact the company that does have a sign there is NOT Payliance. Now, two months later, I am receiving more 'surprise' charges on my bank account that were not authorized from Payliance and because of it, my account has once again become overdrawn. Which means more insufficient funds fees and another stop payment fee. Since this began, I have paid the face value of the checks twice plus multiple return fees and multiple insufficient funds fees and multiple stop payment fees. This is crazy. Companies should NOT be allowed to charge your bank account without permission. In my opinion, it is fraud.

Desired Settlement: I would like to be reimbursed for some of the many fees that Payliance has caused me. The face value of the three checks, that I have paid twice, along with some of the insufficient fund fees and stop payment fees for the estimated amount of $200.00. I would also like them to assure me that they WILL NOT CHARGE MY BANK ACCOUNT FOR ANY REASON, FOR ANY DOLLAR AMOUNT, WITHOUT MY CONSENT.

Business Response:

Thank you for the opportunity to respond to the above referenced consumer rejection response. 

Our office has reviewed the complaint. We received three returned checks written to our merchant, *** *********** ******. 

Check #          Face Amount              Fee Amount                Current Balance

****                $45.53                         $40.00                         $0.00

****                $31.60                         $40.00                         $0.00

****                $25.80                         $40.00  Waived                        $0.00

Our merchants are required to post a point of sale sticker. However, due to the communication with *** ****, filed we reached out to our merchant and discovered that sticker was not posted correctly. Therefore, the fee for check number **** has been waived.

However, we have no record of the face value of the checks being paid twice.  We have provided the consumer a fax number to forward her bank statement to prove that claim.  If so, a refund will be initiated immediately for any overpayments.

Please feel free to contact us if we can be of further assistance. 

Consumer Response:

You have admitted that your company, Payliance, nor your rules and regulations were not posted at the merchant. Therefor, I would like to be reimbursed the following costs that I incurred from my bank:

  • Insufficient funds fee on 1/16/13 for $38.00
  • Stop payment fee on 1/24/13 for $24.00
  • Insufficient funds fee on 3/5/13 for $38.00
  • Stop payment fee on 3/7/13 for $24.00

For a total amount of $124.00

I accept and take responsibility for all the other costs that I incurred with these returned checks, but I feel that I should be reimbursed the costs that were caused due to your company charging my account for fees, without my knowledge. I also think that not only should you ensure that your company name and rules and regulations are indeed posted at merchant locations. Also, your website should post any fees that an individual may face if a problem arises.

Regards,

****** **** 

Consumer Response:

Here is a limited copy of my bank statements from January 2013 and March 2013 showing the UNAUTHORIZED charges to Payliance for the amount of $40.00. Since I did not know about those charges, my account had gone into overdraft. I would like to be reimbursed those costs.

 

****** ** ****

 

Business Response:

I have reviewed the file with my floor supervisor and we have determined we will reversing a total of $80 dollars back to **** ****'s credit card. If you have any further questions or concerns please feel to reach out to me.

  *****

   

Consumer Response: Although I appreciate and would like to accept the reimbursement of the $80 in Payliance fees that I was charged, I would like to be reimbursed the bank fees that I incurred. Payliance has exceeded the 10 day time limit on two different occasions and I have been patiently waiting a long time to resolve this matter. So please, reimburse me both the $80 Payliance fees and the $124 bank fees and we can close this matter.

Regards,
****** ****

Business Response: Thank you for the opportunity to respond to the above referenced consumer complaint.
This complaint is in regards to three returned checks that were received in our office. The
consumer is stating that these checks cleared her bank account in January of 2013. She
also states that she was charged multiple $38.00 NSF fees.

She states that she had to have a stop payment put on her account, which cost her additional money.
She also claims that she never saw any sign at: the merchant location advising that if check was returned
that it would be turned over to a collection agency. She also claims that we charged her bank
account two months later and have caused her bank account to be overdrawn. She states
that she has paid the face amount of the checks twice plus incurred multiple fees. She is
requesting reimbursement for some of the fees and the face value of the checks for an
estimated amount of $200.00.

Our records indicate that on December 26, 2012 checks #**** ($45.53), #**** ($31.60),
and #**** ($25.80) were written to the *** *********** ******. These checks were
presented to the bank and returned for Non-Sufficient Funds with a stamped date of January
2, 2013. These checks were received in our office on January 10, 2013. Check #**** was
paid through our automatic presentment process on January 15, 2013. On January 17,
2013 a credit card payment was taken over the phone by one of our collectors for the credit
card to be run on January 28th. At that time *** **** was made aware of the $40.00 fee
being in the process of being presented again to her bank. On January 21, 2013 a dispute
of the $40.00 fee for check #**** was received along wlth a request for explanation of what
was paid on the January 17th agreernent. This explanation was emailed to *** **** at the
email address provided. As of January 29,2013 check #****, and #**** were paid in full.
Our records further indicate that on March 7th the $40.00 fee was waived and a refund of
$80.00 was processed. This consumer is requesting a refund of $200.00, however, she has
already been refunded $120.00. We are not responsible for refunding her bank's NSF fees.
Please feel free to contact us if we can be of further assistance.

Sincerely,
***** *****
###-###-####

Consumer Response:

Have you read ANY of the correspondence regarding this complaint? I have been requesting a refund of $124 for insufficient funds fees and stop payment fees that I incurred because of your company charging my account, WITHOUT MY KNOWLEDGE  for fees. Please read the correspondence, especially my rejection letters dated 3/28/13 and 4/30/13. Your company admitted that your company logo nor rules and regulations were posted at this merchant at the time of the returned checks. Payliance's website also does list any type of a chart of fees. The checks that were returned were NOT intentionally returned and it is a terrible thing that your company hits people when they are down. 

Regards,

****** **** 

Business Response: We are currently researching her file with our accounting department. At this time, we are respectfully requesting a copy of her bank statement which is not blacked out.  

Consumer Response:

There is absolutely NO REASON why you would have to see full copies of my bank statements. That information is personal and CONFIDENTIAL. If you look at the black out copy, you can clearly see the charges in question. 

Regards,

****** **** 

Business Response:

Thank you for the opportunity to respond to the above referenced consumer complaint.

This complaint is in regards to three returned checks that were received in our office.  The consumer is stating that these checks cleared her bank account in January of 2013.  She also states that she was charged multiple $38.00 NSF fees.  She states that she had to have a stop payment put on her account, which cost her additional money.  She also claims that she never saw any sign at the merchant location advising that if check was returned that it would be turned over to a collection agency.  She also claims that we charged her bank account two months later and have caused her bank account to be overdrawn.  She states that she has paid the face amount of the checks twice plus incurred multiple fees.  She is requesting reimbursement for some of the fees and the face value of the checks for an estimated amount of $200.00. 

Our records indicate that on December 26, 2012 checks #**** ($45.53), #**** ($31.60), and #**** ($25.80) were written to the *** *********** ******.  These checks were presented to the bank and returned for Non-Sufficient Funds with a stamped date of January 2, 2013.  These checks were received in our office on January 10, 2013.  Check #**** was paid through our automatic presentment process on January 15, 2013.  On January 17, 2013 a credit card payment was taken over the phone by one of our collectors for the credit card to be run on January 28th.  At that time *** **** was made aware of the $40.00 fee being in the process of being presented again to her bank.  On January 21, 2013 a dispute of the $40.00 fee for check #**** was received along with a request for explanation of what was paid on the January 17th agreement.  This explanation was emailed to *** **** at the email address provided.  As of January 29, 2013 check #****, and #**** were paid in full.  Our records further indicate that on March 7th the $40.00 fee was waived and a refund of $80.00 was processed.  This consumer is requesting a refund of $200.00, however, she has already been refunded $120.00.  We are not responsible for refunding her bank’s NSF fees. 

Upon receipt of the above response to the initial complaint, the consumer has again requested a refund in the amount of $124.00.  Attached please find confirmation showing that on March 7, 2013 there was a $40.00 fee that was waived and $80.00 was refunded to the consumer’s Master Card that ends in **** on April 30, 2013.  This confirmation also shows a $21.00 adjustment being done for another fee.  That brings the total amount of $120.00 that this consumer has received back either by refund or fees being waived.

To further investigate this complaint we will need a copy of the consumer’s bank statement that begins December 26, 2012 and goes until these checks cleared the bank with nothing blacked out  so that the daily balance and each check going in and out can clearly be seen.  With the checks being paid by the consumer and the refund going to the Master Card we will need to see the credit card statement for the months of January through May so that the dates can be compared. 

Please feel free to contact us if we can be of further assistance.


Attached please find print outs showing where $40.00 fee was waived (3/7/13) and where $80.00 was refunded to consumer's credit card (4/30/13).

Consumer Response:

Again, let me explain what I am trying to do. I am requesting to be reimbursed the amount of $124.00 for fees incurred from Payliance trying to charge my account twice in the amount of $40.00. Yes, Payliance has credited my account $80.00 for the fees that I did pay when I made the one time payment on 1/30/13 in the amount of $157.13. The amount of $157.13 was to cover the face value of the three checks, check number **** in the amount of $45.53, check number **** in the amount of $31.60 and check number **** in the amount of $25.80 plus $80.00 in service charges. As you can see in the blacked out version of my bank statements, on 1/16/13 Payliance tried to take $40.00 from my account, which was returned on 1/17/13 since I was not aware that this was going to happen and did not even know of Payliance's existence, therefore I was charged an insufficient funds fee of $38.00.   And a stop payment on 1/24/13 for a $24.00 charge. I was not aware that a company could charge fees to your bank account without your knowledge or permission. To me, this is fraud. Again, on 3/4/13 Payliance once again tried to deduct $40.00 from my account without my knowledge or approval which once again sent me into overdraft. On, 3/5/13 the $40.00 was returned and I was charged a $38.00 insufficient funds fee. Also on 3/7/13 I had to put the stop payment back onto my account for a $24.00 fee. Therefore, I am requesting to be reimbursed the amount of $124.00 to cover those costs. Not only was Payliance not posted at the merchant, their website does not list fees they may charge nor the fact that they can charge your bank account without your knowledge or consent. When someone bounces a check, its hard enough for them to get everything taken care of with bank fees. But then to have a company cause you to get hit with more fees is just not right. In an earlier rejection, I stated that I did pay the face value of the checks plus fees and took responsibility for it, but the fees that Payliance caused, well that should be their responsibility to correct and make right. So, the $80.00 Payliance reimbursed into my account was from them waiving the service charges. I am requesting to be reimbursed $124.00 for the costs stated above. I believe the blacked out bank statement clearly shows all of the amounts I am requesting. I do not feel it is necessary for Payliance to see my full bank statements for the past 6 months, that is confidential information.

Consumer Response:

Against my better judgement, I have provided bank statements from December 2012 through May 2012 plus the documentation from Payliance that ****forwarded to me. I do not understand where their adjustments are coming from.

Thanks,

****** ** ****

Business Response:

Thank you for the opportunity to respond to the above referenced consumer complaint.

This complaint is in regards to three returned checks that were received in our office.  The consumer is stating that these checks cleared her bank account in January of 2013.  She also states that she was charged multiple $38.00 NSF fees.  She states that she had to have a stop payment put on her account, which cost her additional money.  She also claims that she never saw any sign at the merchant location advising that if check was returned that it would be turned over to a collection agency.  She also claims that we charged her bank account two months later and have caused her bank account to be overdrawn.  She states that she has paid the face amount of the checks twice plus incurred multiple fees.  She is requesting reimbursement for some of the fees and the face value of the checks for an estimated amount of $200.00. 

Our records indicate that on December 26, 2012 checks #**** ($45.53), #**** ($31.60), and #**** ($25.80) were written to the *** *********** ******.  These checks were presented to the bank and returned for Non-Sufficient Funds with a stamped date of January 2, 2013.  These checks were received in our office on January 10, 2013.  Check #**** was paid through our automatic presentment process on January 15, 2013.  On January 17, 2013 a credit card payment was taken over the phone by one of our collectors for the credit card to be run on January 28th.  At that time *** **** was made aware of the $40.00 fee being in the process of being presented again to her bank.  On January 21, 2013 a dispute of the $40.00 fee for check #**** was received along with a request for explanation of what was paid on the January 17th agreement.  This explanation was emailed to *** **** at the email address provided.  As of January 29, 2013 check #****, and #**** were paid in full.  Our records further indicate that on March 7th the $40.00 fee was waived and a refund of $80.00 was processed.  This consumer is requesting a refund of $200.00, however, she has already been refunded $120.00.  We are not responsible for refunding her bank’s NSF fees. 

Upon receipt of the above response to the initial complaint, the consumer has again requested a refund in the amount of $124.00.  Attached please find confirmation showing that on March 7, 2013 there was a $40.00 fee that was waived and $80.00 was refunded to the consumer’s Master Card that ends in **** on April 30, 2013.  This confirmation also shows a $21.00 adjustment being done for another fee.  That brings the total amount of $120.00 that this consumer has received back either by refund or fees being waived.

To further investigate this complaint we will need a copy of the consumer’s bank statement that begins December 26, 2012 and goes until these checks cleared the bank with nothing blacked out  so that the daily balance and each check going in and out can clearly be seen.  With the checks being paid by the consumer and the refund going to the Master Card we will need to see the credit card statement for the months of January through May so that the dates can be compared. 

We have now received the requested bank statement and have reviewed it.  Our investigation has determined that the face amount ($45.53) for check #**** has been paid, the face amount ($31.60) for check #**** has been paid, the fees for these (40.00 each) were refunded to the consumer’s credit card on April 30, 2013 since that is how these two checks were paid for.  The face amount ($25.80) for check #**** has been paid and the $40.00 fee for that check was waived on March 7, 2013.  These three checks are all showing zero balances. 

As for the bank fees, it appears from the provided statement that there were $257.00 (1 for $29.00 and 6 for $38.00) in fees that were charged but the bank has refunded $266.00 back to the consumer.  There are two $24.00 charges for stop payments.  There were transactions also highlighted on the provided statement that references a check #****. Please be advised that we do not have this check in our system. 

Our decision is that the consumer has already been refunded $120.00 by us and $266.00 by her bank, therefore, no more refunds are due. 

Please feel free to contact us if we can be of further assistance.

Consumer Response: The highlighted transaction for check number **** was an error. We both know that the checks involved in this claim are #****, #**** and #****. My bank did me a courtesy by waiving some of insufficient funds fees because I was working with them closely and they were aware of my situation at that time. Payliance's adjustments still make no sense to me, especially the $21 adjustment. AGAIN, I AM ASKING TO BE REIMBURSED $124 TO RECOVER THE COSTS OF PAYLIANCE TRYING TO DEBIT $40 FROM MY ACCOUNT ON 1/16/13 AND 3/5/13 AND 3/12/13 WITHOUT MY KNOWLEDGE OR CONSENT. THOSE COSTS WERE TWO INSUFFICIENT FUNDS FEE IN THE AMOUNT OF $76 AND STOP PAYMENT FEES IN THE AMOUNT OF $48 FOR A TOTAL OF $124. THE CHECKS IN QUESTION WERE OBVIOULSY TAKEN CARE OF AND YOU ENDED UP WAIVING $120 IN FEES BECAUSE YOUR COMPANY KNEW THEY WERE IN THE WRONG. JUST BECAUSE MY BANK DID ME A COURTESY DOESN'T MAKE UP FOR PAYLIANCE ADDING MORE STRESS AND CONFUSION. PLEASE, DO THE RIGHT THING AND REIMBURSE ME THOSE COSTS AND THIS COMPLAINT CAN BE CLOSED.

Regards,

****** ****

7/7/2013 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: In 2012 Payliance alleged that I owed several debts to them for unpaid checks. I disputed this information pursuant to the Fair Debt Collection Practices Act (FDCPA) 15 USC 1692g Sec. 809 (b) via US Mail in 07/2012, 10/2012, 01/2013 and 03/2013. 15 USC 1692g Sec. 809 (b) states that a consumer may ask a debt collection agency for written verification of the debt that is allegedly in their name. More specifically it states that the collection agency MUST provide documentation bearing the signature of the consumer within 30 days which they FAILED to do (violation 1)! Instead of providing me with the documentation bearing my signature they reported me to Experian (the credit bureau) regarding this matter. This is against the law (violation 2) They cannot validate the debt therefore under the FDCPA it is not legally collectible. On a more detailed note, Payliance listed an account twice. I disputed this information with Experian and it was deleted and then later reinserted without notification to me (violation 3). I wrote two letters to Payliance via US CERTIFIED MAIL. In these letters I demanded deletion and stated the issues that I was having with Payliance on a continuous basis. I received a response from them on 05/10/2013, in a letter dated 05/07/2013 indicating that the debts were transferred to another office named "******* Law" and that I needed to fill out a notarized affidavit of forgery or a filed police report to get this information removed.. I was contacted by ******* Law in 2012 and wrote them FDCPA validation letters using the same law listed above. They failed to respond. They ceased collections activities and did not insert any negative information in ANY credit file (from what I am aware of). ******* Law did not further contact me about this matter. I wrote an email to Payliance at the disputes address listed in their letter dated 05/07/2013 at ********@payliance.com asking for the name of their registered agent in NY and threatened legal action if deletion wasn't immediate.

Desired Settlement: Since they could not validate this debt I demand IMMEDIATE DELETION of these accounts from my ANY credit report they reported the debt they allege I owe to and provide me with their registered agent in NY. I further demand that upon deletion they furnish me with written documentation sent via US Mail to my address stating that such action was action. I will not hesitate to file suit in a court of law regarding this matter. I will seek the maximum penalties about this issue.

Business Response: Thank you for the opportunity to respond to the above referenced consumer complaint.
This complaint is in regards to five returned checks that were received in our office. The
consumer is stating that we have failed to validate these checks and have reported them
more than once to the credit bureaus.
Our records indicate that on April 23, 2012 letters were mailed out regarding these checks
but returned "unable to forward" on May 7, 2012. Our records also indicate that there has
not been any phone conversations on any of the open accounts with this consumer.
On June 5, 2012 a verification letter was mailed for three of the accounts, at consumer's
request, which advised him what to do depending on the situation: fraud, wrong person, or
bank error. As of this date, four of the five checks are with our law firm, ******* Law. The
consumer was made aware of this in a letter that was mailed out to him on August 13, 2012
after receiving another verification request. Another letter directing him to ******* Law with
any questions he may have regarding the account was mailed on three of the accounts on
December 28, 2012. On May 7, 2013 we received more verification requests and again
three of the accounts were sent letters directing him to ******* Law to his new address, 332
**** St.  Niagara Falls NY 14303. On the same day a letter was mailed to the same address
for the account not at ******* law advising him what to do depending on the situation:
fraud, wrong person, or bank error.
Please feel free to contact us if we can be of further assistance.

Consumer Response: Everything that Payliance included in their original response to my compliant is false. They state they sent me letters previously and list the amount of letters that were mailed yet they do don't state the amount of letters mailed on 05/07/2013. I note that they listed my wrong current address in their compliant indicating to me that they aren't really interested in handling my compliant seriously. I further note that I DID NOT KNOW that their were even five accounts opened in their office under my name until recently. I note that they DID NOT send me validation pursuant to the FDCPA other then the account that I was unaware of. I note that they listed this account on an additional credit report AFTER they were furnished with my last correspondence. That action may constitute damages in a court of law Legal counsel has been hired. I have not contacted them over the phone because I can't even get a truthful response from them on paper so why would I think they could answer a consumer truthfully over the phone? ******* Law DID NOT respond to an FDCPA notice given to them via fax in 2012. They have not contacted me after they received an FDCPA validation letter that I faxed to them indicating to me and to ay other educated consumer that this debt is legally enforceable. I further note Payliance has similiar compliants just like mine that are listed at various websites across the internet. They are blatantly lying regarding this matter and pursuing this matter even though they know they are wrong. Their letter doesn't address my concerns whatsoever. They cannot prove that they mailed me any type of FDCPA validation letters EXCEPT their response that I received from them dated 05/07/2013 when I mailed them certified. Violations of the FDCPA and FCRA are serious violations of Federal Law. I have an attorney in this matter. Any correspondence regarding this matter should be directed to him.

Business Response:

Thank you for the opportunity to respond again to the above referenced consumer complaint.

This complaint is in regards to five returned checks that were received in our office.  The consumer is stating that we have failed to validate these checks and have reported them more than once to the credit bureaus. 

Our records indicate that on April 23, 2012 letters were mailed out regarding these checks but returned “unable to forward” on May 7, 2012.  Our records also indicate that there has not been any phone conversations on any of the open accounts with this consumer. 

On June 5, 2012 a verification letter was mailed for three of the accounts, at consumer’s request, which advised him what to do depending on the situation: fraud, wrong person, or bank error.  As of this date, four of the five checks are with our law firm, ******* Law.  The consumer was made aware of this in a letter that was mailed out to him on August 13, 2012 after receiving another verification request.  Another letter directing him to ******* Law with any questions he may have regarding the account was mailed on three of the accounts on December 28, 2012.  On May 7, 2013 we received more verification requests and again three of the accounts were sent letters directing him to ******* Law to his new address, 332 **** St Niagara Falls NY 14303.  On the same day a letter was mailed to the same address for the account not at ******* law advising him what to do depending on the situation: fraud, wrong person, or bank error. 

Since our initial response to this complaint on May 17, 2013 this consumer has continued to state that no letters were mailed to him and that we have his wrong address and are not taking his complaint seriously.  He also states that he has not contacted us to try to resolve this because he feels he will not get a truthful answer.  He has stated that he has an attorney and that all correspondence should be directed to him.

Our initial collection letters are automatically mailed when a returned item is put into our system, it is computer generated so the letters did go out.  The address that we had at the time those letters are mailed was the address off of the checks.  As for the address that the letter was mailed to on May 7, 2013, that address was provided by the consumer.  We have not contacted the consumer because he has stated that he has an attorney.  If he would provide us with the attorney’s information, we would be more than happy to communicate with them but that information has not been provided to us.  As for ******* Law, they are the firm that we send items to after they have been in our collections department for 190 days. Once the items are in their office, they are in charge of getting them paid.  They have their own policies and procedures. 

Please feel free to contact us if we can be of further assistance.



 

 

 

7/5/2013 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: I have received again another collection type on a check from years ago. I cannot see the check very well and this is the second time I have got a collection on the same check. I have paid this once because it was reported on my credit. Now from research I see this is a scam and I am not sure why I am being targeted. I have reported identity theft to the police and all agencies needed. I feel maybe I will copy this and file a complaint with the Attorney Generals Office in **. and also report this to the police again as fraud. Trying to collect from me on a 6 year old check I cannot read! I want this to end or maybe an Attorney will be the correct approach to this scam.

Desired Settlement: This company or scam should be reported to the correct authorities and this company should be investigated for fraud. I would like a refund or stop this scam!

Business Response:

This complaint is in regards to a returned check that was received in our office February 16, 2009. The consumer spoke with our office on January 24, 2013 and claimed that the check was written fraudulently. We advised him to forward to our office either a Police Report or an Affidavit of Forgery reflecting the check number in order to remove his account due to fraud. Our records indicate that we never received the correct documentation and the consumer paid his account in full on February 8, 2013. Currently, the account is settled and attempts to collect on this account have ceased.

Please feel free to contact us if we can be of further assistance.

Consumer Response: I had to pay for this ASAP because of loans that were in the process and wouldn't be approved. This popped up on my credit with out any kind of notice or documented paperwork proving or demanding payment. I had not choice but to pay this to have it removed from my credit in order to have good credit. After the loans were approved then I decided to try and fight this as a fraudulent

6/21/2013 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: This company is in charge of collections for ********** card for consultants. Evidently my bank did not process my debit from my ********** card and then ********** sent it to this company for collection.it was sent to payliance on the 19-20th. they took out a $30 right away, then sent a letter dated the 21st. I took care of the debt by phone on the 25th, then i received a letter. I for starters don't think its fair they can just take out the fee out of my account without my permission (i am still trying to figure out where I agreed to that with my ********** card) but to receive a letter after they took out the fee, their letter says I out the debt plus the fee and says nothing about calling in regards to this account, it just says, take the top portion, mail it in with the total due including the fee (never stating the fee may have been paid)I find this very misleading.

Desired Settlement: I think its deceptive practices to allow them to withdraw the money first, then send a letter. If I didn't notice the fee in my account, especially as a business owner with frequent transactions, and got the letter, and just paid the fee, thinking it will affect my credit, would they honestly be up front and refund the money? I think the state should look into the wording on collection letters to make sure they are more clear and they are not double charging

Business Response:

Thank you for the opportunity to respond to the above referenced consumer complaint.
This complaint is in regards to returned transactions that were received in our office from **********.  The consumer is stating that her bank did not process this transaction and that ********** sent it straight to us and that our fee of $30.00 was deducted from her bank account before she received our letter stating that we had the item in our office for collections.  She further states that she took care of the debt by phone also before the letter was received.  She also states that the letter she received says nothing about calling in regards to the account just to mail in the top portion with the total due and did not state that the fee was already paid.
Our records indicate that we have three (3) accounts in our system for this consumer.  One of which has been paid in full, one has a balance due yet of $7.95, and the other has a balance still due of $287.90.  We show where there were several attempts to run a credit card for $295.85 but all were declined.  

Upon review of the letter that was received by the consumer, our phone number and address are listed two (2) times on the front of the letter and as stated on the front, payment options are listed on the back also with our phone number.  
Please feel free to contact us if we can be of further assistance.

6/18/2013 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: I have been a steady customer with one of their clients (********) I have used checks their numerous times... 6 had to go through 2x's at this point Payliance then charged 40$ each for the checks that did not go through the first time. resulting in 240$ worth of charges that they took out of my checking acct without any authorization from me. I had contacted ******** on this matter and they said " we only charge that amount if a check does'nt go through a second time. I called payaliiance in their AR office and I had talked to a ****, he appolgized and said : i understand and you are correct we should only charge you if the check does NOT go through a second time.. MY acct was credited back the 240$ ( I also have a letter from **** explaining this. NOW a month later pay liance has RE-TAKEN the money back out of my acct 240$ AND are constantly calling me (harassment) I contacted them again and told them I have the letter from ****..i was told he does NOT work for us anymore, and that they have the right under OH law to do what they did. I stated that i lived in WI and the checks were made out in WI and that they have to follow WI law on this. I was told that they can do what they want! I was hung up on! I tried calling back but they must have caller ID because they did not answer my call or have yet to return it.

Desired Settlement: my 240$ back in my acct that they returned 2 mnths ago and now re-took it back!

Business Response: Thank you for the opportunity to respond to the above referenced consumer complaint. This complaint is in regards to eight checks that were returned to us by *******’s.  The customer is stating that six of them went through twice and he was charged $40.00 for each check that did not go through the first time, costing him $240.00 in charges.  He states that his account has been credited back for the $240.00.  He also states that he has been hung up on by our representatives and that we are not answering his calls when he calls back and that we are not returning any of his calls.  He is requesting his $240.00 be refunded to him.  Our records indicate that on January 11, 2013 we received ck#**** ($74.58) and ck#**** ($46.77).  Check #**** was written on January 6th, returned by the bank for NSF, came into our office and was represented and returned NSF.  The check was presented again on January 17th and was then paid.  The fee for check #**** was presented on January 23rd and again on January 31st which both attempts were returned NSF.  The fee was paid on February 7th.  Check #**** was written on January 5th, returned by the bank for NSF, came into our office and was represented and returned NSF.  The check was presented again on January 17th and was then paid.  The fee for check #**** was presented on January 23rd and again on January 31st which both attempts were returned NSF.  The fee was paid on February 7th.  Our records indicate that on January 31, 2013 we received ck#**** ($52.32).  This check was written on January 27th, returned by the bank for NSF, came into our office and was represented on January 31st and was returned NSF.  The check was sent through again on February 8th and was paid.  The fee for this check was presented on February 12th and returned NSF.   This was sent through again on March 11th but payment was stopped.  The fee is posted as paid with a date of April 11th.  Our records indicate that on February 4, 2013 we received ck#**** ($112.70).  This check was written on January 29th and returned by the bank for NSF, came into our office and was represented on February 4th and was returned NSF.  This check was sent through again on February 7th and was paid.  The fee for this check was presented on February 12th and was returned NSF.  This was sent through again on March 11th but payment was stopped.  The fee is posted as paid with a date of April 11th. Our records indicate that on February 22, 2013 we received ck#**** ($180.18) and ck #**** ($79.58).  Check #**** was written on January 29th, returned by the bank for NSF, came into our office and was represented on February 22nd and was paid.  The fee for this check was presented on February 27th and returned NSF.  It attempted to present again on March 11th but payment was stopped.  Our records indicate that the fee was posted as paid on April 25th.  Check #**** ($79.58) was written February 16, 2013, returned by the bank for NSF, came into our office and was represented and paid.  The fee for this check was presented on February 27th and returned NSF.  It was presented again on March 11th but payment was stopped.  Our records have a posted date of April 25th for the fee being paid. Our records indicate that on March 14, 2013 we received check#**** ($176.50).  This check was written on February 16, 2013 and returned by the bank for NSF, came into our office and was represented on February 14th and returned NSF.  The check was sent back through on March 21st and was paid.  On March 26th the fee was presented for payment but was returned due to payment being stopped.  Our records indicate that the fee was posted as paid on May 16th through representment.  Our records indicate that on March 15, 2013 we received check #**** ($140.14).  This check was written on February 16, 2013 and returned by the bank for NSF, came into our office and was represented on March 15th and returned NSF.  The check was sent back through on March 21st and was paid.  The fee was presented on March 26th but returned due to payment being stopped.  Our records indicate that the fee was posted as paid on May 16th through representment. This consumer is requesting a refund of $240.00, however, he has stated in his complaint that he has already received this money back.  We only charge our fee one time per check, we are not responsible for any of the bank’s NSF fees.  As for the rest of his complaint, the notes in these accounts state that he was explained the representment process more than once, he has yelled and cussed at our representatives and hung up on us.  We have no reason not to answer the phone on the collection floor so him stating that we ignored his calls is not true.  Please feel free to contact us if we can be of further assistance.

Consumer Response: I was told by their affiliate in Alabama (which they closed) that they should have only charged the fees IF THE CHECK DID NOT GO THROUGH 2 TIMES!!! his name was **** and he no longer works for them because they closed that branch! Furthermore... if sayin " FRIGGIN LIARS" is a cuss word then I would hate to know what one is! as far as hanging up on me, they hung up on me!!! also how about the 22 calls I have recieved from Payalliance in which when I anser they hang up! this has been going since I wroe the BBB complaint! as for being re-embursed back for the 240$ this is BULL! I have NEVER gotten any money back from the bank...In fact my bank is still waiting for them to reply!...Considering that this business is in OHIO, and the store is here in Wisconsin,  Our Check Laws are diffrent... Our law clearly states that in order to attach a fee for NSF checks they have to bounce after a second attempt!   My checks all went through the second time so NO FEE should have been attached!   I REFUSE Pay allaiances acceptance to this matter and want my money back!    PS tell these people to stop calling me TOO!
































Consumer Response: they continue to harrass me at all hrs I have the my phone bill andmy caller ID shows THEIR number calling me at 11pm, 1am, 6am   yes they tried to cal me, yes I told them I have contacted an attorney BUT THEY NEVER HAVE asked for this information...they claim they only charge once??? I say BULL to that! they have charged me each time the check has gone through once for not and then again when it does! Blatant LIE! I have told them that this is what i want. I have NEVER gotten back any money from bank cause when I did, Pay alliance took it right back!!! as far as I am concerned, Pay alliance is a ball faced liar! and I will be filing a small claims action for my money along with Harrasment in the amount of 10,000$ which is in accordance to Our states small claim court amount! I wish to have NO further contact with these people and if they persist on calling me I will have a restraining order placed ipon them and talk to a federal attorney!
































6/15/2013 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: I wrote a check to a local grocery store in 2011 and the check cleared. Now on June 13, 2013 they took $40.00 out of my checking. Well, I didnt have enough money in the bank account so i got charged an NSF charge. 25.00. Now this check came back through on June 21, 2013 and actually received the $40.00. They are stealing from me. There is no reason to be taking money out from my bank account. Especially without even warning me. They received their money from this check in 2011. I called a number of times and they told me that they were having computer problems and this was happening to a lot of people. I told them I wanted the money deposited back in my bank account or fed-exd overnighted to me by 5/23/13. Well its the 24th, and I still dont have it. They stole from me! I also talked to a so called manager their and she was completely rude. Yes I was rude to her but they stole from me.

Desired Settlement: They never refunded me back my money

Business Response: Thank you for the opportunity to respond to the above referenced consumer complaint. This complaint is in regards to a returned check that was received in our office.  The consumer is stating that the check that was written in 2011 cleared and on a later date we took $40.00 out of her bank account.  She says that the $40.00 was returned NSF and she was charged a bank fee of $25.00.  The $40.00 was then sent back through and was paid.  She is requesting a refund.  Our records indicate that this account was resent in error due to a computer glitch.  Our records also indicate that a refund of $40.00 was processed May 24, 2013 and a refund of $25.00 was mailed on the same day.  Our records further indicate that a $25.00 refund was also processed on June 3, 2013. Please feel free to contact us if we can be of further assistance.      

6/4/2013 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: I had a collection account with Payliance for a $6 check that was returned when I closed an account before the final check cleared, a few years later I notice this on my credit report. As soon as I noticed it I called and spoke with an agent at Payliance and was assured that by the agent that when I made the payment that the collection would be deleted from my credit report. It has been 2 months now and Payliance has not held up their end of the bargain. I have called back multiple times only to be told that they do not offer deletions, and that there is nothing that they can do. I really take offense that before they take my money they will agree to anything so that they can get paid, but as soon as they get paid they decide to change the terms of the deal. I have also been told that all of the calls there are recorded but for some reason they will not allow me to hear the call, they will also not allow me to speak to a supervisor about the situation only stating that all disputes must be done in writing. (Easier to ignore, I assume.)

Desired Settlement: I want them to follow through with there end of the bargain, and remove the collection from my credit report. Federal laws that bind collections agencies state that they are not allowed to claim that you owe more than you do, or report anything that would be worse than what you already have on your account, no where does it say that they are not allowed to delete something from your account when it is paid, as an act of goodwill. I want this account deleted from my report as I was promised.

Business Response:

Thank you for the opportunity to respond to the above referenced consumer complaint.

This complaint is in regards to eight checks that were returned to us by *******’s.  The customer is stating that six of them went through twice and he was charged $40.00 for each check that did not go through the first time, costing him $240.00 in charges.  He states that his account has been credited back for the $240.00.  He also states that he has been hung up on by our representatives and that we are not answering his calls when he calls back and that we are not returning any of his calls.  He is requesting his $240.00 be refunded to him. 
Our records indicate that on January 11, 2013 we received ck#**** ($74.58) and ck#**** ($46.77).  Check #**** was written on January 6th, returned by the bank for NSF, came into our office and was represented and returned NSF.  The check was presented again on January 17th and was then paid.  The fee for check #**** was presented on January 23rd and again on January 31st which both attempts were returned NSF.  The fee was paid on February 7th.  Check #**** was written on January 5th, returned by the bank for NSF, came into our office and was represented and returned NSF.  The check was presented again on January 17th and was then paid.  The fee for check #**** was presented on January 23rd and again on January 31st which both attempts were returned NSF.  The fee was paid on February 7th. 

Our records indicate that on January 31, 2013 we received ck#**** ($52.32).  This check was written on January 27th, returned by the bank for NSF, came into our office and was represented on January 31st and was returned NSF.  The check was sent through again on February 8th and was paid.  The fee for this check was presented on February 12th and returned NSF.   This was sent through again on March 11th but payment was stopped.  The fee is posted as paid with a date of April 11th. 

Our records indicate that on February 4, 2013 we received ck#**** ($112.70).  This check was written on January 29th and returned by the bank for NSF, came into our office and was represented on February 4th and was returned NSF.  This check was sent through again on February 7th and was paid.  The fee for this check was presented on February 12th and was returned NSF.  This was sent through again on March 11th but payment was stopped.  The fee is posted as paid with a date of April 11th.

Our records indicate that on February 22, 2013 we received ck#**** ($180.18) and ck #**** ($79.58).  Check #**** was written on January 29th, returned by the bank for NSF, came into our office and was represented on February 22nd and was paid.  The fee for this check was presented on February 27th and returned NSF.  It attempted to present again on March 11th but payment was stopped.  Our records indicate that the fee was posted as paid on April 25th.  Check #**** ($79.58) was written February 16, 2013, returned by the bank for NSF, came into our office and was represented and paid.  The fee for this check was presented on February 27th and returned NSF.  It was presented again on March 11th but payment was stopped.  Our records have a posted date of April 25th for the fee being paid.

Our records indicate that on March 14, 2013 we received check#**** ($176.50).  This check was written on February 16, 2013 and returned by the bank for NSF, came into our office and was represented on February 14th and returned NSF.  The check was sent back through on March 21st and was paid.  On March 26th the fee was presented for payment but was returned due to payment being stopped.  Our records indicate that the fee was posted as paid on May 16th through representment. 

Our records indicate that on March 15, 2013 we received check #**** ($140.14).  This check was written on February 16, 2013 and returned by the bank for NSF, came into our office and was represented on March 15th and returned NSF.  The check was sent back through on March 21st and was paid.  The fee was presented on March 26th but returned due to payment being stopped.  Our records indicate that the fee was posted as paid on May 16th through representment.

This consumer is requesting a refund of $240.00, however, he has stated in his complaint that he has already received this money back.  We only charge our fee one time per check, we are not responsible for any of the bank’s NSF fees.  As for the rest of his complaint, the notes in these accounts state that he was explained the representment process more than once, he has yelled and cussed at our representatives and hung up on us.  We have no reason not to answer the phone on the collection floor so him stating that we ignored his calls is not true. 

Please feel free to contact us if we can be of further assistance.

 

 

Consumer Response: They must be confused because absolutely none of that applied to my complaint with them. Please help them to get the right information because that is definitely wrong. 
































Business Response: Thank you for the opportunity to respond to the above referenced consumer complaint. This complaint is in regards to a returned check that was received in our office April 2007.  The consumer is stating that this check was returned because his bank account was closed before this check cleared.  He states in his complaint that once he saw this on his credit report he contacted our company and was told that this would be deleted from his credit once it was paid.  He states that he has called multiple times and was then told that we do not delete for payments and was not allowed to speak to a supervisor about the situation but to send his request in writing to the disputes department.  He is requesting that the item be removed from his credit report.  Our records indicate that this account was paid by credit card on February 5, 2013.  It is not our policy to delete for payments, only to update the credit bureaus to a paid in full status.  It is our policy to have all disputes sent in writing to our disputes department so that they can be researched and handled accordingly.  We have, however, out of goodwill sent a notice to the credit bureaus to have this item deleted off of his credit report.  Please feel free to contact us if we can be of further assistance.      

Consumer Response: I have reviewed the response made by the business in reference to complaint ID *******, and find that this resolution is satisfactory to me. I would just like to add that I really appreciate all the help and the fast response from all involved.
















5/28/2013 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: Company has never sent information regarding a valid debt. I had a check return made payable to ******'s due to a stolen acct in 2006. I paid the amount of check and fees via m/o in 2006. Payliance is reporting this debt on credit bureau and though i have provided proof of payment they refuse to research or delete the account. Very rude, unprofessional company that does not even have updated contact info on the credit file. I have been in touch with them since february 2013 for validation and all they send is a typed letter stating i owe this amount. I have asked for proof from ******'s (which i have already been in contact with, they can not pull up any info that old). I have reported this company to ******'s corporate as I have already given my proof of payment and Payliance refuses to acknowledge it as paid. This negative report is preventing me from acquiring a loan for the past 2 months. I refuse to pay them a dime, especially since i have already paid the debt in 2006.

Desired Settlement: Deletion of negative credit reporting.

Business Response: Thank you for the opportunity to respond to the above referenced consumer complaint.  Our records reflect that a receipt was faxed to Ms. ****** at 8:35am on 3/7/13 showing 4 of her 5 accounts were paid in full. The remaining account for a returned check for ******’s was canceled out of our system and returned to the merchant on 4/25/13 since sufficient proof of payment could not be obtained. Please feel free to contact us if we can be of further assistance. 

5/14/2013 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: This company has caused over $420.00 in NSF on my personal checking account, this was for there bounced check fee's in which they are protected in regards to what they can charge, but not protected by how many times they continously draft your account over and over again. They never called me nor sent me any written documentation just kept drafting my account over 8times.I have paid this collection agency in full never knew what this was for until I called my bank and they gave me all there information. Due to the amount of fees they caused on my account which was alot more than what I owed to them they should reinburse me every single NSF they caused on my account. In addition to this they are reporting on my credit file as well. I tried to have it removed and ******* a manager said NO! and was very rude and condesending I also have tried to reach her Manager ****** who stated she would handle this and of course never has gotten back to me. They are unprofessional and do not follow proper protcols a collection company should. How can you not contact a consumer and at least inform them they have a balance from any bounced checks that cleared or send any documentation? You just keep drafting personal bank accounts over and over again? This is unfair and unjust. Please look into this for me I await your response. Thank you in advance.

Desired Settlement: I would like this company to be removed ASAP from my credit file you shouldn't be reporting on it, and a refund for $420.00 worth of NSFS.

Business Response: Thank you for the opportunity to respond to the above referenced consumer complaint.
Our merchants post a Check Acceptance Requirement notice at the point of sale that informs
the consumer of the process should their checks return. The notice clearly states that if a
check is returned unpaid for any reason, customer expressly authorizes the Merchant or it's
processing agent or assignee to electronically collect or create a demand draft to collect the
face amount of the check plus a returned check fee as well as any applicable bank fees and
sales tax. Customer's payment by check is customer's express acceptance of the terms and
shall serve as customer's authorization for the electronic collection and/or issuance of a
demand draft on Customer's account.
Once the returned check is placed in our office for collection by the merchant, our representment
process begins. We can send the face amount of the returned check for
payment up to two times and the fee amount up to three times. If the returned check is not
collected by our re-presentment process, letters are sent to the customer's address notifying
them that the item remains unpaid and directs them to contact us to make payment.
We have three checks for Ms. *** in our system that are currently pending re-presentment.
Ms. ******* *** has had previous checks placed with our office for collection by A&P.
Please feel free to contact us if we can be of further assistance. I am including a copy of the
Check Acceptance Requirement notice.

3/13/2013 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: Were owed 60.00 and took 100.00 out of my checking when I had a payment arrangement for 3 days later. They Tried many times to take the money out of my account which cost me 120.00 in fees then they took 40.00 more than they were supposed to and have been giving me the run around for 3 weeks. Every time we call they tell us its processing and don't even make notes in the account file of their lies so they tell u something different every time u call.

Desired Settlement: I want my money that they had no right taking in the first place!

Consumer Response:

It was finally resolved just a few days ago. There was a mix up in the accounting department and after my complaint the manager finally looked in to it and got it resolved after many lies. This company needs to get better organized! I paid almost 200.00 in fees for a 20.00 check that was a mistake! I don't recommend this company to anyone 


2/26/2013 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: Payliance has been paid the amount owed to the original creditor via money order US Postal # *********** 01/23/13 in the amount of 4.00 since this amount has not been returned and collection agencies are not to take partial payments. This collection agency accessed one of my bank account on two occasion approx two years ago and I dont think that I owe them anymore than the amount paid. I am requesting proof from the original creditor and documents when they accessed my account for payment or im requesting payliance properly report this debt to experian in the right amount showing a zero balance or have this $4 dollar item deleted from any and all credit reports involved the business taco delite is no longer in existence at the original location.

Desired Settlement: delete from any and all credit reports involved or reflect right amount 0 balance.

Business Response:

Thank you for the opportunity to respond to the above referenced consumer complaint. 

Our records reflect that we have never re-presented this item to Ms. ********’s account.  We have not accessed her bank account for any reason.  Our office also has not received the money order referenced in the customer’s statement listed within this complaint.

On 1/21/13, Ms. ******** contacted our office and stated she would send proof that this item was paid, we have to date, not received any documentation regarding this account.

On or about 1/29/13, our office received an attorney-client agreement stating this account would be included in an upcoming bankruptcy filing.  We sent a letter to Ms. ******** stating the item would remain open until we received bankruptcy filing information.  To date, we have not received anything regarding a bankruptcy on this account.  She was also advised of where she can send this information with email, fax and mailing options.

The total balance on this account is $34.74.

Please feel free to contact us if we can be of further assistance. 

 

Consumer Response: I spoke with some one at payliance who stated the $ 4.00 Money order was received and they attempting to collect a collection fee which you cant collect if you take the $4.00 without returning it if nothing else please correct amount owed on creddit report by $4.00 Incorrect amount owed.
































2/26/2013 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: I dont know who these people are. I wrote a check for $4.20 to my son's school, they received there money, but somehow this company got ahold of my checking account information and they are now continuing to pull money out of my account. They have over debited my account $50.00 which has caused my account to be hit with NSF fees.

Desired Settlement: I have closed the account due to the unauthoried debits. Please have the company send me a refund check in the amount of $75.00. $50.00 for the unauthorized charges and an additional $25.00 for my overdraft fees. Please mail the check to: ****** ***** **** *** **** *********** ** *****

Business Response: Thank you for the opportunity to respond to the above referenced consumer complaint. Ms. *****'s check, number ***, was received in our office for collection on 12/12/12. The check returned due to non-sufficient funds by her bank. The check is currently going through our re-presentment process; this includes the face amount of the check for $4.20 and our returned check fee in the amount of $25.00. Once a returned check is placed in our office for collection by the merchant, our representment process begins. We can send the face amount of the returned check for payment up to two times and the fee amount up to three times. I f the returned check is not collected by our re-presentment process, letters are sent to the customer's address notifying them that the item remains unpaid and directs them to contact us to make payment. Ms. *****'s check was sent for the first re-presentment on 12/12/12, this is in the form of two transactions, one for the face amount and one for the returned check Fee amount. The face amount paid in this first process, but the returned check fee amount did not. The returned check fee was sent again for a second re-presentment on 12/20/12 and has not returned a result as of today. Our merchants post a Check Acceptance Requirement notice at the point of sale that informs the consumer of the process should their checks return. The notice clearly states that if a check is returned unpaid for any reason, customer expressly authorizes the Merchant or it's processing agent or assignee to electronically collect or create a demand draft to collect the face amount of the check plus a returned check fee as well as any applicable bank fees and sales tax. Customer's payment by check is customer's express acceptance of the terms and shall serve as customer's authorization for the electronic collection and/or issuance of a demand draft on Customer's account. Please feel free to contact us if we can be of further assistance.

Business Response:

2/25/2013 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: Have had letters sent from two different collection companys about a check that I did not write..this has been verified by my old banking co..    harrased about a check that i did nor write

Desired Settlement: Problem was supposed to be taken care of with the first company that called me..they also have the last 4 digits of my social that concerns me ..I just spoke with a guy named ****** at this (so called) company..!

Business Response:

Thank you for the opportunity to respond to the above referenced consumer complaint. 

We would like to apologize for any inconvenience this situation may have caused Mr. *****.  We are unable to validate the information in question.  Therefore, the account has been canceled.

Please feel free to contact us if we can be of further assistance. 

 

 

2/19/2013 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: Payliance placed an account for collection on my Experian credit report. Full account number not visible, ***** is all that shows. Original Creditor ******** #216 in Middletown, NY. Consumer has contacted this agence MULTIPLE times via certified letter return receipt requesting verification and validation. To this date the company has made NO contact with consumer yet negative trade line exists. This account does NOT belong to consumer, Payliance can provide no information to consumer about this account. Account balance $82.00.

Desired Settlement: Negative Payliance tradeline information DELETED from Experian credit report.

Business Response: Thank you for the opportunity to respond to the above referenced consumer complaint. Our office received Mr. ********'s first validation request on 12/12/12. Our validation response was mailed to 175 W. ******* ***** #1003, Oak Creek, WI 53154 on 12/14/12. A second validation request was received on 12/28/12. Since we had previously responded to Mr. ********'s first request, another response letter was not sent. I am enclosing a copy of the first request along with a copy of the validation response letter. Please feel free to contact us if we can be of further assistance.

Consumer Response: I requested a COPY of the check in question and they sent NOTHING verifying this account was mine. If I wrote a check and they have a copy they should have NO problem sending a copy to me for verification and yet they have not provided me any proof of this. Since I have not banked in New York, I would certainly like proof of the check so I can see what account number this goes to.  A simple check number would not tell me anything about this account whatsoever nor what bank it is written from. If they cannot provide me this information I would like the account DELETED as I cannot contact a bank that I have no record of.































Business Response:

We have deleted the account from Mr. ********'s credit report as our initial response indicated.   The check remaining in the National Check Network would not affect him if he is not using that account number or the drivers license number associated with the original check.

Unfortunately, we are unable to provide a check image for this particular account.

Please let me know if there are any additional questions or concerns.

Thank you.


Consumer Response: I have reviewed the response made by the business in reference to complaint ID *******, and find that this resolution is satisfactory to me. 
I have personally written to the company Payliance and requested a copy of this deletion on a copy of their letterhead with the account number in question listed on the paper.
When I have this information this will be a closed case for me.  I thank Payliance for their time and energy resolving this matter.

Regards,





















1/11/2013 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: I HAD CHECKS STOLEN SO I CLOSED THE ACCOUNT,LATER IFOUND WHERE CHECK WAS SENT.PAYLIANCE CHARGED ME ,TWICE FOR SAME CHECK.EVEN THOUGH THE ACCOUNT HAD BEEN CLOSED THE 2ND TIME THEY RAN IT.I TRIED TO TALK TO THEM SEVERAL TIMES WITH NO RESULTS.BUT THEY DID PUT IT ON MY CREDIT REPORT X 2.ISTILL DON'T UNDERSTAND HOW A BUSINESS CAN CHARGE ME WHEN THE ACCOUNT WAS ALREADY CLOSED.WHEN I CALLED THE ORIGINAL CREDITOR,THEY TOLD ME THAT MY CHECK HAD BEEN SENT BACK TO THEM.SO I PAID CELLULAR SOUTH.

Desired Settlement: REMOVE FROM MY CREDIT REPORT

Business Response:

Thank you for the opportunity to respond to the above referenced consumer complaint. 

Our Collections team has tried numerous times since August of 2008 to discuss two returned items with *** *****. 

-       Returned check #1049, in the amount of $114.00, dated 10/29/08, returned due to non-sufficient funds. 

-       Returned check #512, in the amount of$60.00, dated 7/28/08, returned due to Account Closed.

These accounts have since been sold to OPS10.  Trident Asset Management manages these accounts for OPS10.  Their contact number is 866-695-8893.  *** ***** will need to contact Trident for further information regarding her accounts now.  At the time these accounts were sold, requests were sent to the credit bureaus to remove these items from *** *****’s credit reporting by Payliance.

Please feel free to contact us if we can be of further assistance. 

12/31/2012 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: I went to my online banking today and noticed a $40.00 withdrawal to this company. I did not give them permission to do this and neither did my husband. I have no clue who they are or what they are doing but I'm worried about that money. I tried to call the phone number but when it said to leave a message, it never went that far. It was just dead air. Any suggestions? I have an email I sent to the bank, as well, I just don't know what else to do.

Desired Settlement: I would like my money back!

Business Response: We also received an email from Ms ****** today regarding the fee deducted from her account. See below for our response sent at 3:50 pm today to '*******@knology.net'

Dear ****** ******, Thank you for your recent inquiry. The $40.00 fee that was processed through your bank is the NSF fee associated to check number **** written to *********** Pizza.  

The check policy that authorizes that fee to be electronically drafted from your account is posted at the merchant’s location and/or the receipt received upon delivery.

 If you have any additional questions, you may contact a live agent at ###-###-####. Thank you. Check Writer Support payments@payliance.com  

This communication is from a debt collector.  Any information obtained will be used for that purpose.   Warning:  The information contained in this message may be privileged and confidential, and protected from disclosure.  If the reader of this message is not the intended recipient, you are hereby notified that any dissemination, distribution or copying of this communication is strictly prohibited.  If you have received this communication in error, please notify us immediately by replying to this message and then delete it from your computer.  All e-mail sent to this address will be received by Payliance Inc. e-mail system and is subject to archiving and review by someone other than the recipient. 

12/28/2012 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: I received correspondence a few years back from ****** ***** from Payliance regarding an alleged check written in July of 2005. I promptly responded, requesting validation of the alleged debt while agreeing to compromise if Payliance agreed in writing to completely delete the account from my credit report. ****** ***** responded by mail, explicitly agreeing to delete the account from my credit file if I paid in full. I mailed a check, which Payliance promptly cashed, but have since refused to delete the account. In addition, this reporting is way past its Status of Limitation in the State of Texas.

Desired Settlement: Delete this reporting from my credit, as they agreed to in writing

Business Response:

Thank you for the opportunity to respond to the above referenced consumer complaint.

We have two accounts in our office for Mr. ******* ** *****.

 *******   Check 107 written to Radio Shack on 9/20/2005 with an outstanding balance of $172.36

*******   Check 108 written to Papa John’s on 8/19/2006 that was paid in full on 4/26/2011.

*******   was updated with the credit reporting agencies, , as paid in full with a zero balance.    It is NOT our policy to delete a paid account.  

However, as good faith, if Mr. ***** could forward a copy of the letter from ****** ***** (a former employee) I would be more than willing to fulfill the obligation to delete the account.

Please feel free to contact us if we can be of further assistance.

 

Consumer Response: This is the first time I am hearing about the alleged check to RadioShack from 2005. I was never contacted in writing with regards to this. I am disputing this and requesting validation from Payliance. Going by information provided by Payliance, this is even past the 7-year reporting period, as well as the statute of limitations in the State of Texas.    With regards to the paid off account, I have attached the letter from ****** ***** agreeing to delete upon full payment.     

12/11/2012 Problems with Product/Service | Read Complaint Details
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Additional Notes

Complaint: I called to dispute charges made to my checking account and was yelled at by a manager named ******* *****. She was exceptionally rude and disrespectful. Yelling through the phone at me about how a checking account works and using a very demeaning tone of voice. I felt totally desrespected and don't appreciate the way she handled the call.

Desired Settlement: Aside from her being held personally responsible for her actions I would like the the charge of $40 reimbursed to my checking account and an additional amount of $35 to reimburse the overdrafting of my account. I think the way I was talked to and the disrespect I was shown I don't feel this is an exorbitant request after the mistreatment by this businesses employee.

Business Response: Thank you for the opportunity to respond to the above referenced consumer complaint.
Ms. ****** contacted our office on 11/29/2012. She requested to speak to a manager
regarding "unauthorized" transactions to her bank account. Ms. ****** was transferred to
my direct line. A voicemail was left by Ms ******. I returned the call at approximately 4:50
pm the same day.
Ms. ****** stated that a $40.00 fee was submitted to her bank after it had already been
paid. However, it was explained that our office had two returned checks. The $40.00 fee
that had been paid prior was for check number **** written to ***** ***. However we had
received an additional check, check number # **** written to *******l. The recent fee that
was attempted was for the most recent item received.
I also attempted to explain that the check policy is posted at the merchant locations where
the checks were written. This authorizes Payliance to electronically collect the return check
service fee. Included is a copy of that sticker.
I refute the claim that I raised my voice to Ms. ******. However, I do apologize if Ms.
******'s felt disrespected or mistreated. That was not my intention but instead to attempt
to address her concerns.
Please feel free to contact us if we can be of further assistance.


11/25/2012 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: IN OCTOBER 2006 I JOINED ****** IN HOUSTON,TX AS A SHORT TERM PROGRAM WHERE I WAS UNDER A CONTRACT. I FINISHED THAT TERM AND ****** CONTINUED TO CHARGE MY BANK ACCOUNT AS A DIRECT DEBIT. I ACTUALLY WENT IN TO SPEAK TO THE PERSON IN CHARGE TO SEE WHY WAS I STILL BEING CHARGED. "I WAS TOLD THAT I HAVE TO TELL THEM WHEN I WANT TO QUIT THE PROGRAM". ALTHOUGH MY CONTRACT WAS ALREADY EXPIRED. I HAD NO IDEA THAT THEY REPORTED ME TO A COLLECTION AGENCY. I RECENTLY CHECKED MY CREDIT REPORT AND IT'S LISTED AS A NEGATIVE ITEM. I HAVE DISPUTED THIS ITEM TWICE AND PAYLIANCE REFUSES TO REMOVE IT. I FEEL THAT IT'S VERY PETTY OF THEM IT'S NOW ABOUT 5 YEARS OLD. IF I REALLY OWED IT I WOULD PAY IT BUT I KNOW THAT I FINISHED OUT MY PROGRAM WITH THEM. I WOULD HAVE RAISED THE ISSUE LONG AGO HAD I KNOWN THIS WAS ON MY CREDIT. IF PAYLIANCE PURCHASED THIS DEBT FROM ****** THEN IT'S THEIR MISTAKE NOT MINE. I WOULD REALLY APPRECIATE IF THIS NEGATIVE ITEM CAN BE REMOVED IT'S ILLEGAL IN MY EYES.THANKS

Desired Settlement: PLEASE REMOVE THIS NEGATIVE ITEM FORM MY CREDIT.THANKS

Business Response:

Thank you for the opportunity to respond to the above referenced consumer complaint.

This complaint is in regards to a transaction that was processed through our merchant ****** on November 24, 2007. 

The consumer states that she joined ****** in October of 2006 as a short term program.  She states that she was still being debited directly from ****** even after her contract was up.  When she asked ****** why she was still being charged she says that they told her that she had to tell them that she wanted to quit the program.  She claims to have disputed this charge twice but we show no evidence that this was disputed with us.   By providing a copy of the written notice to cancel with ****** prior to the date of 11/24/2007 we can delete the unpaid item from the credit report.

We attempted to contact the consumer on November 9th but got no answer.  A message was left for her to call us back.  As of the writing of this letter, we have gotten no response back.

Please feel free to contact us if we can be of further assistance.

 

 

 

11/12/2012 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: They took 40 dollars out of my checking account and I did not authorize that!!! I have no idea what this company is.

Desired Settlement: I want the refund of 40 dollars plus 40 dollar over draft fee

Business Response:  Thank you for the opportunity to respond to the above referenced consumer complaint.

Unfortunately, we are unable to locate Mr. ********’s account with the information provided in his complaint.  

We will need additional information.  We can use the following to ensure we can properly respond to his complaint:

·         Routing and Account number that was debited for the $40.00.

·         Name and address of joint account holder if applicable.

Mr. ******** may also contact a live agent at ###-###-#### to provide this information.

 

Please feel free to contact us if we can be of further assistance.

10/30/2012 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: Payliance is nothing more than the electronic mafia. Under normal circumstances a check would run through once...at that point my bank would charge me a NSF fee and the check would try to present a second time which is the case in my situation. Payliance ran the check once...posted a $30 return fee and ran it again and the check cleared. I can understand if the check is completely returned NSF that the merchant could recoup a fee for the cost of collection...but Payliance is playing with the state law and keystroking a fee with no collection effort on a paid check. There are numerous complaints of their shady practice all over the web and I intend to use my legal background to expose this questionable practice on the highest level.

Desired Settlement: I therefore pray that Payliance confesses to their dasterdly deeds and refunds the fees on the paid checks. Oh...and write 100 times...I will not fraudulently bilk people out of their money.

Business Response:

Thank you for the opportunity to respond to the above referenced consumer complaint. We received a returned check from our merchant, ******* ****** on 10/19/2012. As stated on the point of sale sticker at our merchant’s location, the face amount of the check and the applicable return check service fee was electronically submitted to the consumer’s account on 10/19/2012.   That submission failed. It was again, electronically submitted on 10/25/2012.  As of today, we have not received the results of that attempt. I have attached a copy of the point of sale sticker that explains the check payment terms. Payliance adheres to all industry regulations regarding electronic collections. Please feel free to contact us if we can be of further assistance.

 

Consumer Response:

I am rejecting this response because: ******* stores have decided to do business with Payliance. Therefore I intend to bycott all businesses using Payliance services.

http://www.payliance.com/ourclients.html

Word travcels fast here in little ole Iowa.


9/24/2012 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: This company is reporting erroneous information to the credit reporting agency. checks were written on a fraudulent account back in 2006-2007. I filed a police report and have an affidavit of fraud from the FTC. They are reporting a check for 66.00 and one for 59.00, neither belonging to me.

Desired Settlement: I want these accounts closed and the information removed from my credit report. If i have to retain an attorney for this matter I will request that my legal fees be reimbursed.

Consumer Response: I have reviewed the response made by the business in reference to complaint ID *******, and find that this resolution is satisfactory to me. 

9/11/2012 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: Well they were only supposed to charge $60 to my account. Then I noticed they charged me with another $40 which came with a nice $35 over draft charge. So I call them to try and find out what happend, they said fax us a bank statement proving that's what happend and they said they would refund my money. So I did and I called them the following day to see if they got my fax. They said sorry haden't gotten anything. Call a few hours later and somebody new answers and they asked for the fax number I faxed it to I gave it to them and they told me to call this different number because that's where the fax went. After about a week of them giving me the run around I went to my bank and asked for another statement and they said I should go the better business bureau. Much! Much much! more stuff happened. Just didn't have enough space to wright it all down. for more information please don't hesitate to contact me at ###-###-#### if I dont answer right away please just leave a voice mail and I will get back to you ASAP.

Desired Settlement: I just want my money back , and maybe a little extra for pain and suffering for the time I spent broke.

Business Response:

Our records reflect that Payliance received the returned check 99, written by Mr. ******, on July 9, 2012. The check was assessed the state allowed returned check fee of $40.00. On July 9, 2012, the face amount of $20.00 and the fee of $40.00 were re-presented to Mr. ******’s bank. The $20.00 presentment cleared Mr. ******’s bank account, and the $40.00 fee was returned as insufficient funds. Payliance re-presented the $40.00 fee a second time on July 12, 2012, and this presentment was returned as insufficient funds. Payliance made its final re-presentment for the $40.00 fee on July 17, 2012, and the funds cleared Mr. ******’s bank account. The attached bank statement that Payliance received from Mr. ****** reflects these transactions.

The re-presentment process was explained to Mr. ****** on July 16, 2012, and on August 2, 2012. Mr. ****** was notified that we would need a copy of his bank statement on July 16, 2012, due to him notifying Payliance that $40.00 had cleared his bank account on multiple occasions.

I have attached the check payment terms that were visible at the point of sale, the bank statement received by Payliance, and a validation letter with a copy of the returned check.

8/20/2012 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: I wrote a check to Pizza Hut in the amount of $22.05 check #**** which was returned but resubmitted the next week and cleared. A company called Payliance ###-###-####) submitted a charge of $50 through my bank account number with out my authorization. I never signed or initialed or agreed to a second party taking funds out of my account or having access to my bank account. I disputed the $50 through my bank and won the claim. My bank also put a stop payment on this fee so it could not come through again. Several weeks later this company submitted the fee again as a debit so the stop payment didn't catch it. I disputed this amount again and won the claim and also put another stop payment on any debit from this company. Well again this week this crooked company put a check through my account so the debit stop payment wouldn't catch it with the same check number #**** as the original Pizza Hut check and changed the amount to $50 instead of $22.05. I feel like that should be against the law to fake a check and submit it with all my info on it. I filed a 3rd claim against this fee again and won and the bank credited me the money. However since I have filed 3 claims on my account now I am going to have to close my account and open a new one so this doesnt happen again.

Desired Settlement: I have called this company and asked them to stop debiting my account and they said they would any way. Can you ask them to stop retrying to get these funds. Very inconvenient to keep having to call the bank and be on the phone for a long time each time...and they have also caused some of my other checks to bounce because they take these funds out periodically without notice and I can not count on that. We live paycheck to paycheck and $50 is a big deal to us. Thank you. Winford Lam

Business Response: Please be advised that Mr. *** was notified of the check payment terms at the point of sale. These terms allow Payliance to re-present the face amount of the returned check to Mr. ***'s bank account, and allows Payliance to present drafts for the state allowed returned check fee. I have attached a copy of the Check Payment Terms Sticker that would have been posted at the point of sale. I have also attached a validation letter reflecting the returned check.    

Consumer Response: I was NOT notified of this at my point of sale.        

Business Response:

We have confirmed with the Pizza Hut #0417 store location that the Payliance sign is currently posted in the three areas.

  • It is posted in the carryout area.  
  • Dine In customers are each provided a cash out book containing the check return policy for the convenience of paying the server at the table.   
  • The check policy is also posted at the register.

The check did not clear upon initial presentment.  However, the face of the check did clear when re-presented by Payliance of behalf of Pizza Hut.   The $50.00 fee did not clear and does remain due.

Thank you for your inquiry.

8/20/2012 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: I was advised by this company that as I pay these accts which I not agree with. That they would be deleted by them. After I've paid 9 accts off they've refused to delete them as agreed. To add to this they now tell me that they not only will not delete these accts they are UPDATEING them thus allowing these accts to stay on my Credit Report for another 7 Years and their responxe was "SO not our Concern". Then they took money that was sent by Cashier Check with Specific accts list to be paid and paid other accys and said I had "NO SAY" When I request the persons Supervisor I was told "NO" and hung-up on. Then when I called back a few days ago I was told I had nine accts and I said no I've 4 accts left. That person said I was wong and would not discuss it with me. I then called the Dispute office and they finally admitted that I had only 4 accts left. But then it was change to 5 accts cause I owed .60 cents on one and as off yesterday I owed $1.00 on it. I had agreed with the Dispute people to pay the remaining $81.00 with a cashier check. Then they started in on other accts and I told them no way. I told them there are no other accts on my report and now as of yesterday I've got like 11 more acct for Paylaince and Security Check same Business and when I advise them that they don't even have the accts list with the Credit Bureaus with the same amount owed they said not their problem and then these New accts showed up with all having the same accts. When I told them I don't believe these were my accts they basic called me a LIAR and said why are you paying on them. I said my attorney said to just pay them cause even if I tell them their not mine they will not remove them from my credit report which I 've found that to be VERY TRUE. So i agreed to pay the accts listed if they were removed now they will not remove the ones paid off as agreed and the are VERY VERY Rude People. I Truely believe that this business is out to SCREW people over. They are con-artists with what they do.

Desired Settlement: that the accts be deleted from my Credit Reports and that this firm be allowed to list accts with only one company not multiply companyies. example: they list an acct under experian under Payliance with one dollar amount, then the list the same acct with equafax with a different amount and different name of Security Check which shows you with two different collections.So if you have 5 accts it show 10 acts, when I brought that up to them they said no it's same accts and I asked why.No Response

Business Response: On July 19, 2012, Payliance received an inbound call from ******* ***********.  He notified the Disputes Department that the returned checks we were attempting to collect are fraudulent.   The required documentation for fraudulent check items was explained to Mr. ***********.  ·         A  police report referencing the specific check numbers of the fraudulent checks, ·         And /or a notarized affidavit of fraud referencing the check numbers of the fraudulent checks When an item is proven to be fraudulent, it is our policy to remove the item from all credit reporting agencies. Mr. ***********, however, stated that his lawyer advised him to pay for the checks.   He was not going to provide the required documentation.  Payliance notified Mr. *********** that we could send him validation letters reflecting the returned checks for his review, and he declined. We also notified Mr. *********** that Payliance does not have a policy to cancel credit reporting when debts are paid.  Instead, per the Fair Credit Reporting Act, the item is updated as paid in full with a zero balance. Mr. *********** notified us that he had submitted a money order to Payliance, and it was applied incorrectly.  We offered to correct and reapply the funds.  He declined.   Our Disputes Department reviewed the accounts with Mr. *********** that the money order was applied to.    He also requested the amounts due for accounts listed on his credit report. He was provided the amounts.  Mr. *********** stated that he was going to send another money order. He was advised of additional accounts that were due, and he stated that he did not want to make a payment to any additional accounts. As of the date of this letter, Payliance has not received the new money order.   Mr. *********** was contacted by the Payliance Disputes Department Supervisor, on August 06, 2012, and was notified that we would need a copy of his credit report to review his dispute of what was being reported. As of the date of this letter, we have not received the requested documentation. Attached are validation letters for all the accounts Payliance has on file for Mr. ***********.

8/8/2012 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: I just received another Bank NSF from Payliance of $35.00. And a letter in mail dated 6.27.12, received on 6.30.12. I have not received a written letter, through postal service to pay the $20.00 overdrawn check from ***** Physician. Pay-Alliance & Wells Fargo/A&M Discount hvae took over the check for collection. I have received 4 to 6 calls a day. Each time ACH go through my bank I get charged a $35.00 (ret) check fee. No one is getting paid except the bank. I receive a monthly SSA check. Overdraft fees wiped my account out for July 2012.

Desired Settlement: Clear all of my return/charge-[off check fees to clear my bank account. Have the doctor's office to send me a written letter by ***** Physician. My account is so negative I'm behind on my personal living expenses.

Business Response: To whom it may concern,
Our records reflect that check 2021, dated May 20, 2012, was returned as lnsufflclent funds
on May 24, 2012. As agreed to by the check writer, the check was re-presented to the check
writer's bank account with the state allowed returned check fee of $25.00 on June 07, 2012.
On June 13,2012, Payliance received notice that the check and fee were returned as
insufficient funds. The check and fee were re-presented again on June 13, 2012. On June
19, 2012, the check and fee were returned as insufficient funds. On June 20, 2012, the fee
of $25.00 was re-presented a final time, and It was returned as insufficient funds on June
26, 2012. There is a balance due in the amount of $60.00. A validation letter with a copy of the check
and a copy of the check payment terms that are posted at the point of sale are enclosed.
If I may be of any additional assistance, please do not hesitate to contact me.

Sincerely,




6/20/2012 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: The collection agency is charging me a $40 NSF for a check in the amount of $25 that was paid. I was advised by agent that fee would be waived. I wrote a check for $25 at a local grocery store. The check was initially presented and rejected by my bank and my check writing privleges were temporarily suspended. Three days later the check was presented and paid by my bank. I called Payliance at ************ Ref#******** and questioned a bill for $40 that I received. After being on hold for more than 20 minutes a rep named ***** or **** on May 1 and she advised that the $40 fee was an error--something about the NSF fee being different in NJ than in NY $25 versus $15--she indicated that because of some sort of system problem at the company--she would waive the $40 fee and my account would be zeroed. I also asked if my check writing privileges would be resotred at the merchant. She advised that they would be. I went into the store the next day and wrote a check for $25 check #320 that was accepted, indicating that my account was cleared. If it had not been cleared, the merchant would not have accepted my check. In the mean time, Payliance has sent a $40 charge through to my bank, which I am disputing, since the fee was not authorized by me and the rep advised that any fees on the account were waived. On 5/4 I called the agency again and spoke to a very nasty and rude rep named Jennifer who said she showed no record of the discussion other than a rep telling me that $40 was due, which was a lie. I have never had any problems with writing bad checks. Also, my bank waived the NSF they were going to charge me because I have an excellent account with them and have never bounced a check. I want this matter resolved and my $40 back!

Desired Settlement: I want my $40 back and hope never to have to deal with a such an incompetent and blatantly rude agency like Payliance again. It's terrible when a company rep promises to do something as a courtesy for a customer and then fails to follow through....

Business Response: Payliance's records do not reflect that an agreement was made to waive the $40.00 returned check fee assessed to Mr. ****** account. The $25.00 face amount for returned check 316 was collected after it was automatically re-presented on 4/11/12. The $40.00 fee is valid, and is still due. I have attached a validation letter and a copy of the returned check. 

Business Response: Our records have updated since Mr. ***** ****** account was reviewed. Payliance has received the $40.00 returned check fee, and has applied it to Mr ****** Payliance account. There is a $0.0 balance remaining on this account. Payliance respectfully denies Mr. ****** request to refund the $40.00 returned check fee.

Consumer Response: (The consumer indicated he/she DID NOT accept the response from the business.)
The information is not correct. The initial phone call to Paylliance was tape recorded and the representative indicated that due to a discrepancy on Payliance's part, the $40 fee assessed to my account would be waived. I will be making the tape recording public and it will clearly show that Payliance is fabricating this entire matter. I want a refund of my $40 or I will continue to dispute this matter. As a matter of customer courtesy, the fee needs to be waived and the matter closed.

I am continuing to dispute this case and will be making it public record..including the tape recorded conversation with the initial representative who stated that the fee would be waived..Refund my $40 fee as a customer courtesy and close this account..I will continue to dispute it, as Payliance is blatantly lying about the entire matter!!!!!

Also, the $40 fee has been deducted from my account and I have filed a claim with my bank that the charge was fraudulent and unauthorized by me. In Payliance's response to me, they indicate that the $40 is still due. It is not. It was deducted from my checking account 2 weeks ago. So, it's quite obvious that the company has a major problem with not telling the truth!!!

Consumer Response: Why is this being sent to me again? I already responded and advised that I do not agree with the decision and want my $40 refunded by Payliance. Why is this notification being sent to me again?

***** ******

Consumer Response: It should also be noted that on the day I spoke with the first customer rep at Payliance I asked her if it was OK for me to write a check at the Superfresh/A&P grocery store that day. She said yes, my account is cleared and she would waive the $40 fee as a courtesy and that I could write a check that day, which I did and it was accepted. This is proof that the rep said that my account was cleared and the fee would be waived, or else I would not have written another check at the store!!!

Business Response: After researching Mr. ****** disputed Payliance account for his returned check, it has been concluded that the returned check fee is valid.

On April 24, 2011, the Payliance account for the returned check was canceled due to a system error that was corrected on May 01, 2012. On April 30, 2012, Mr. ****** contacted our collections department, and would have been notified that our records reflected a canceled account. Payliance would not have notified Mr. ****** that we would waive a fee on a canceled account. There wouldn't have been a balance to waive. At the time of this call the Payliance representative speaking with Mr. ****** would not have had information as to why the account was canceled. On May 1, 2012, the representative that previously spoke with Mr. ****** attempted to contact him to notify him that the $40.00 fee was still due, but received a busy signal. On May 4, 2012, Mr. ****** contacted Payliance, and was notified that the fee was due. Mr. ****** then stated to our representative that he was told that Payliance was going to waive the fee. Mr. ****** was then notified that there were no records reflecting that a fee was going to be waived, and was notified to send a letter to our disputes department.

There is a balance due of $40.00 on Mr. ****** Payliance account. The final re-presentment of the returned check fee to Mr. ****** bank account was returned as unauthorized on May 29, 2012. Payliance respectfully denies waiving a valid returned check fee for a returned check that Mr. ****** signed.

Consumer Response: (The consumer indicated he/she DID NOT accept the response from the business.)
No I do not accept this response, because as indicated in the reply, I was informed by the representative that the account was cancelled and the words "waived fee" were indeed used by the representative. The $40 fee is not valid and as a courtesy Payliance needs to waive the fee as originally promised and close this account. Just because someone from your office attempted to call me and received no answer or a busy signal does not mean that an original promise to "waive fee" should not be adhered to. As you indicated there was a system error on your part that needed to be corrected, that is not my fault. I know what I was told by the representative and that was any fee would be WAIVED AS A COURTESY and it needs to be as I REFUSE to pay this amount and have filed a dispute with bank to investigate this matter. It's unbelievable the level of incompetency and dishonesty displayed by Payliance! No wonder the company has such a terrible reputation--just read some of the negative posts and comments about it on the Internet!

Please add this information to my previous comments regarding my horrendous experience with Payliance. In its response to me, the company ADMITS that it was having some computer problems and a number of accounts were impacted duringthe time of my issue. The company also ADMITS that they attempted to call me the next day..AFTER the repesentatve I spoke with told me that "Due to the computer issues, any fees WOULD BE WAIVED. What probably happened was that after a supervisor reviewed the account and saw what happened, they told the rep to contact me and renege on the agreement. When they couldn't reach me, they reversed the charge and billed me $40. I am writing a letter to the customer service department of A&P, Superfresh and Waldbaums advising them that one of their vendors-- Payliance has a bad habit of being dishonest and rude to customers and not following through on promises. I'll add that due to the unprofessionalism, I will no longer be shopping there!! Please post this comment for the world to see!!! I continue to dispute this charge and will continue to do so, until the matter is corrected!

Business Response: Payliance has provided proof that the state allowed $40.00 returned check fee assessed for the returned check 316 is valid. Payliance stands by our records that no agreement to waive this fee was given to Mr. ******. It is our policy that we do not make courtesy waives for returned check fees. As of good faith, Payliance has waived the $40.00 returned check fee that has been disputed by Mr. ******.

Consumer Response: [A default letter is provided here which indicates your acceptance of the business's response.  If you wish, you may update it before sending it.]

Better Business Bureau:

I have reviewed the response made by the business in reference to complaint ID *******, and find that this resolution is satisfactory to me.

Regards,

***** ******






















6/13/2012 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: This collection agency is reporting NUMEROUS accounts on my credit file for a returned check that were the result of fraud. I have on numerous occassions submitted disputes with the credit bureaus, and with the company themselves and have not gotten a response. I have sent a ID THEFT AFFADAVIT but again have not gotten a response, this is the notice I am giving to Payliance advising them for the final time that the following items are not mine and are the result of fraud.PAYLIANCE-- 873XXXX $81.00 PAYLIANCE-- 873XXXX $70.00PAYLIANCE-- 873XXXX $74.00PAYLIANCE-- 577XXXX $110.00PAYLIANCE-- 873XXXX $68.00PAYLIANCE-- 869XXXX $81.00

Desired Settlement: I want the accounts and all inquiries associated with these accounts be deleted or blocked per FCRA requirements as they are the result of ID THEFT.

Business Response:

We are not in receipt of any documenation regarding identify theft from Mr. ******* **********.  

He may fax to ###-###-#### or mail to: 3 Easton Oval Suite 210  Columbus, OH  43219 either of the following documents to our office to address his unfortunate identify theft occurence.

  • Affidavit of Forgery from the originating bank.  It will need to include the check numbers that were involved in the identify theft case. 

      OR

  • Or a copy of the police report that was filed with the law enforcement authorities.  This will also need to include the check numbers involved.

In accordance with the FCRA, the items have been marked as disputed on the consumer's credit report as of this notification. 

Please advise if further information is needed.

 

Consumer Response:

DEAR PAYLIANCE---- HOW AM I SUPPOSED TO CONTACT A BANK THAT I NEVER HAD AN ACCOUNT WITH, SO I WOULD NOT KNOW WHICH BANK TO CONTACT. HOW WOULD I FIND CHECK NUMBERS FROM A CHECKING ACCOUNT THAT I NEVER HAD? AND FINALLY HOW WOULD I CONTACT A BANK TO GET A CHECK NUMBER WHEN I DON'T KNOW THE ACCOUNT NUMBER. ALL I SEE ARE NUMEROUS INCORRECT ITEMS FRAUD ITEMS ON MY CREDIT REPORT YET NO PROOF OR VALIDATION AS TO WHERE THEY HAVE COME FROM.  IN CASE YOUR COMPANY HAS FORGOT YOU ARE NOW PUT ON NOTICE THAT I'M DISPUTING ALL THE ACCOUNTS I HAVE LISTED IN MY ORIGINAL COMPLAINT AND TO PROVIDE ME VALIDATION OF THE DEBTS- INCLUDING IMAGES OF THE RETURNED CHECKS. THANKS SO MUCH FOR YOUR UNDERSTANDING.

 

§ 809.  Validation of debts   [15 USC 1692g]

(a) Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing --

(1) the amount of the debt;

(2) the name of the creditor to whom the debt is owed;

(3) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector;

(4) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector; and

(5) a statement that, upon the consumer's written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor.

 

 

 

Consumer Response: THE FAX WAS SENT AGAIN THIS AFTERNOON PLEASE ADVISE ME WHEN YOU RECEIVE IT AND THE ACTIONS BEING TAKEN. THIS IS THE 2ND FAX I HAVE SENT OVER TO PAYLIANCE.  

Business Response: As of 6/12/12 we are in receipt of the notarized affidavit of forgery.   All open accounts have been cancelled and will be deleted from the consumer's credit report within 30 days.Thank you.

Consumer Response: I have reviewed the response made by the business in reference to complaint ID *******, and find that this resolution is satisfactory to me.  I appreciate your prompt attention, and want to thank the BBB for your help as well. GREATLY appreciated.

6/12/2012 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: I HAVE CONTACTED "PAYLIANCE" FOR SEVERAL YEARS ABOUT THIS ACCOUNT, I HAVE NO KNOWLEDGE OF THE DEBT IS SAID I OWE. I WAS DEPLOYED TO IRAQ, AT THE TIME THE DEBT ACCURED.

Desired Settlement: I WANT THIS OFF MY CREDIT REPORT.

Business Response: More information would be needed to accurately respond to Mr. ****'s complaint.  For example, we would need the account number references on his credit report, his address and /or any other relevant information. Mr. **** may also reach out to our disputes department at ###-###-#### or fax a copy of his credit report to ###-###-####. Mr. **** may also dispute the tradeline currently reported to his credit report with the three major credit bureaus.  We will respond accordingly. Thank you for the opportunity to respond.

Business Response: Please be advised that our records reflect that Payliance account ******* was canceled on August 31, 2009, due to fraud. A notice was sent at that time to the credit bureaus to cancel reporting for that account. On May 11, 2012, a notice was sent to 1903 ****** Ave, Columbia, SC 29169, notifying Mr. **** that the account was canceled due to fraud. I have submitted to the credit bureaus a manual request to have the account ******* cancelled today, June 1, 2012. It may take the credit bureaus between 30 and 45 days to update their records. Payliance was not aware that the account was still being reported by the credit bureaus. We regret any inconvenience that this may have caused Mr. ****.

4/20/2012 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: I attempted to pay for a check made out to ********* in Grundy VA. The creditor not contact me then listed the debt on my credit report. I made the debt. Then a week later, asked my bank to reinstate the check and they did not. Then I called the ********* location for a number to call to pay. They gave (1800)XXX-XXXX. I left 4 messages with my contact information at this number but never got a call back. Then today, Mar. 20th, I pulled my credit report with Experian and found the debt on my report as of Jan. 2012. How can Payliance list the debt on my credit report when they did not contact me ever and I never had an opportunity to pay the debt because I did not know who to pay it to?! The Grundy ********* workers will verify I attempted to pay them and then asked for the 1800 number listed above. There must be some penalty for tarnishing something as important as a credit report without even contacting the debtor!

Desired Settlement: I would like the debt removed more quickly than the standard 3-7 years because it should never have been there in the first place.

Business Response: Our records reflect that a written notice for the returned check 1114 was sent to the address listed on the check on 11/28/11. Ms. ****** did contact Payliance's collection departmaent on 3/20/12 to give notice that she sent a complaint to the BBB. There are no records reflecting that Ms. ****** left messages with our Merchant Services/Disputes department at XXX-XXX-XXXX. There is a balance of $67.49 on the ********* account associated to check 1114. No payments have been made to this account as of 4/9/12. I have attached a validation letter with a copy of the returned check. Payliance respectfully denies your request to remove the information reported to the credit bureaus as the debt is valid.

4/20/2012 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: I paid 2 checks to Payliance returned to them from ******. Enclosed SASE for proof of payment receipt. Even called. They never sent the receipts. Back in December 2011 I was sent a letter from Payliance saying I owed them $63.15 for a returned ****** check off my closed *********** account. Face value of check was $23.15, Service fees $30 and bank fee $10, making me pay them $63.15. I sent a ************ money order for this amount in January 2012. I enclosed a SASE and requested a receipt for payment in full. After a couple weeks I had not received the receipt so I called. I was told the receipt would automatically kick out once 30 days of payment had posted. I called again in around 45 days. This time no one answered the phone. I have continued to call on numerous occasions and got no response. I looked on the Internet. There are many complaints about this company taking payments and then coming back later in 6months or 1year calling people saying they still owe the money. Even when money order photocopies or bank statements are produced, the company told the customers they still owed. This is my concern. SO I WANT THE RECEIPT of payment in full for Merchant: ****** #XXXXXXXX ; Check date: 11/26/11 ; total: $63.15 ; check no. **** ; drawn on ***********. ALSO, on January 10, 2012 I received another letter from Payliance. It concerned the 2nd check that was returned off my *********** account. I sent in a ************ money order in amount of $65 on 02/17/12 to cover this returned check. Today is now March 19, 2012. It is past the thirty days for check one and now also for check two. The information on the second check is as follows: Merchant: ****** #XXXXXX ; check date: 12/28/11 ; face amount: $25.00 ; serv fees: $30 ; bank fee: $10 ; total owed: $65. check no. **** ; drawn on ***********. I specifically stated on the letter enclosed with the money order to (dated: 2/17/12) "Send me a receipt of payment". -****** ******. The company has not even acknowledged my request whatsoever. Not even with a courtesy call to say they would send the receipt. I don't want this to be a problem because I've paid both checks PAID IN FULL. Please have them send me my receipts of payments in full. Thanks.

Desired Settlement: I want receipts for both PAYMENTS IN FULL. And don't want either situation to cause a future issue with ********* or Payliance as it might if they claim I did not pay. However, I have paid so I want my receipts. Thanks a lot!

Business Response: I have attached the documentation the debtor has requested.

4/9/2012 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: Payliance has listed two collections on my credit report that I have disputed without reasonable answers. I have attempted to contact them via email per my attoney's instructions rather than on the phone and they will not respond or commmunicate this way. Any mail coorespondence has taken months. I have even contacted them to tell them I will just pay the amount they say I owe if they will just remove from my credit report. Still not willing to work with me. these accounts are disputed, where never an extension of my credit and would like a resolution as this is severely impacting my finacial standing over $100.00!! Thank you

Desired Settlement: Removal of accounts from my credit report. Willing to offer even payment while not accepting the debt just to move on.

Business Response: The check writer has two outstanding accounts with Payliance. One in the amount of $50.20 and the other $56.86. The check writer requested validation of the debt and received from Payliance a Validation Letter that was sent on 9/12/2011 and another sent on 11/22/2011. The Check Writer sent a request for settlement to Payliance on or around 12/27/2011 and was informed that we are collecting on behalf of the merchant and do not have the authority to settle. The check writer called Payliance on 3/13/2012 and promised to pay the balance due on both accounts by 3/16/2012.Until such time that the Check Writer pays the debt in full, the reporting to the credit bureau remains unchanged. Once the check writer pays the debt, the accounts are updated to reflect the paid in full status.

3/26/2012 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: Payliance put a collection on my credit report that does not belong to me. I disputed it twice and they falsely claimed that it was my account. Payliance put a collection on my experian credit report claiming I had $100 dollars past due with a company called "***************". In 2008 I was 19 years old living in ******* going to college. I never had any account with "***************". I disputed this twice online and they verified both times that this was my account. I've called payliance several times and get sent to voicemail every time. It's rediculous that they falsely put a collection on my credit report, then won't take my calls to correct it. This company is dishonest and trying to take advantage of me by putting this collection on my report.

Desired Settlement: This collection needs to be removed from my experian credit report immediately. I would like a phone call ASAP telling me that this has been removed. If it is not I will be having my attorney contact payliance and also be contacting the attorney generals office. My phone number is XXX-XXX-XXXX.

Business Response: Our records do not reflect that ****** ****** has contacted Payliance directly to dispute the returned check being reported on his credit. I have a attached a validation letter with a copy of the returned check. The validation letter states the required documents needed to cancel the Payliance account if fraud occured. If this check is reported under the wrong person, then we will need a copy of the disputer's credit report and a copy of the disputer's drivers licence.

Consumer Response: (The consumer indicated he/she DID NOT accept the response from the business.) This check is not mine. I have never had a *************** account. I am getting sick of payliance playing games, and not removing this from my credit report. After trying to call them several times and leaving messages they still never responded to me. I have attached my credit report and my drivers license. Hopefully this will be the last time I have to go through this.

Business Response: Notice has been sent to the Credit Bureaus to delete reporting of the disputed account. I have attached a letter for validation

3/9/2012 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: acct # XXXXXXX and XXXXXXXA these accts are not mine

Desired Settlement: DesiredSettlementID: Other (requires explanation) delete these acct from my credit report immediatly

Business Response: Our records reflect that check *** and check***** were returned from two different banks as insufficient funds. I have attached validation letters for accounts XXXXXXX and XXXXXXX for your review. If fraud caused your bank accounts to have insuffient funds, we will need a statement from your banks giving notice that the checks were returned due to this fraud. Please be advised that we need proof to update our records. We will then be able to waive the returned check fees that were assessed. The face value of the checks will remain due until paid in full. When the accounts are paid in full, Payliance will automatically send notice to the credit bureaus to cancel any reporting on the accounts.

2/28/2012 Billing/Collection Issues | Read Complaint Details
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Complaint: Showing an amount owed of 314.00, however previous collection agency took payment in full, and released letter of payment. Payliance wont remove. Back in the spring of 2007, I wrote a check for books at ******** college bookstore, in the amount of 314.00. I made the mistake and this check was returned for NSF, and placed in collections at ************************ in ******** Wyoming. In order to re-register for classes after some time off, the college stated this account must be paid in full. I then went and paid the balance in full to ************************, and was given a letter with a zero balance on January 12, 2009. The college is in receipt of the money, and has also given me a letter that they have received payment in full by ************************. The college has since changed collection agencies, and is reporting that this balance is still due. I gave the madam the number to the college, and to the collection agency, and she told me they would not call. That instead I must file a dispute with the Payliance dispute center. Every time I try to call, I get put on hold, and then after 9 minutes, I get a dial tone. This has been happening for weeks, and can NOT get through to get this resolved.

Desired Settlement: I am requesting Payliance to STOP reporting this collection as pasdue, but report it as paid in full on my my credit report. If this is not taken care of in reasonable time, I will be taking these letter of paid in full from ************************, and the College, and be disputing this with all three Credit Reporting Agencies, and filing suit with my attorney. It is more than obvious that this account is paid in full, and I do not owe Payliance for double billing. In fact this is against the law, and against collection practices.

Business Response: After contacting ****** College Bookstore, Payliance was notified that due to the debt could not be validated as paid or not,the returned check in question was returned to the merchant and the Payliance account was canceled. I have attached the letter that is being sent to ********** reflecting that the account has been canceled and that a notice has been sent to the credit bureaus. -************* :

Consumer Response: (The consumer indicated he/she ACCEPTED the response from the business.) I am happy with this, as the account was paid, and I have all corresponding documentation. I will look to ensure that you have taken the appropriate steps to remove from credit reporting services, and reports. Thank you for your time.

1/25/2012 Billing/Collection Issues | Read Complaint Details
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Complaint: My car was broken into and my wallet stolen and bad checks were written, every company but this one handled it with no problems. This compnay lost my police report 3 times and still has not fixed the issue. I have emailed and faxed my report with no resolution. I continue to dispute it and will now with an attorney. I think it is ridiculous that you have to get an attorney to fix simple things that noone has had an issue with. When I call their 877 number to complain I was laughed at by 2 individuals, if this is how a company treats people after they have already been kicked around by a thief then I can only imagine how they treat those in debt. This company needs to be shut down.

Desired Settlement: This information taken off my credit report since it is fraud. All credit report agencies have a 7 year fraud alert on my report and I am happy to provide the police report to prove it.

Business Response: My records do not show a complaint was forwarded to Payliance on January 10, 2012. In regards to the complaint, the consumer does not list any dates of contact nor dates the incident took place nor account information. Therefore a name search will be conducted to determine if Payliance has an account for this consumer. Upon confirmation the consumer will be contacted by Payliance in an attempt to resolve the matter. Based upon the findings of the research, the consumer may be required to provide documentation that specifically relates to any stolen and/or forged checks that were processed against her checking account. 

Consumer Response: I have reviewed the response made by the business in reference to complaint ID *******, and find that this resolution is satisfactory to me.  I was contacted by the company and the issue was resolved. I appreciate your help since that was the only reason they contacted me in the first place. Your help is instrumental in getting businesses to do what is right.

1/24/2012 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: I have contacted this agency about a mistaken identity for a bad check written by someone with the same name as me. I have verified with multiple Payliance representitives that I am not the individual in question. They subsequently filed this issue with a credit agency and now shows as a negative mark on my credit report from Experian. This company is as unscrupulous as they come and I intend to file suit against this company for defamation. I understand a collection agency has a very difficult job, but once mis-identification is established, the company should be able to move on.

Desired Settlement: I demand that Payliance re-verify mis-identity and close this file. Further, I demand Payliance write Experian to clear the issue associated with my person.

Business Response: Payliance will research this complaint to determine if the customer has provided a police report or affidavit of forgery. Once the proper documentation is on file, we can close the case and contact the credit bureaus with the change of status. If the customer has not provided this information, we will contact them, requesting the documents. However, without proper documentation on file, the customer will remain responsible for the debt.

Business Response: The original response to the customers complaint required research to determine the validity of their concerns. On 12/22 the BBB sent a follow up that this complaint had been closed because the customer did not respond to Payliances' comments. Payliance will re-open research efforts to determine what is on file in regards to this customer. At minimum the customer will need to send to Payliance a Notarized Affidavit of Forgery or a Police Report stating the check number and dollar amount of the item is fraud. Once confirmed an update is sent to the credit reporting agencys accordingly. Changes made to a customers credit report is then the responsibility of the credit reporting agency.

Consumer Response: The disputed item was not a forgery as that entails that the person who wrote the bad check actually knew me and was forging my name and this was not a case of identity theft as that would entail that check writer actually stole my identity.  This was not the case.  The person who wrote the check was just another person who has the same name as me (I'm assuming this).  There has to be a law against collection firms filing adverse items to an innocent's credit report.  I'll look into that and file civil/criminal charges accordingly.

1/16/2012 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: Consumer states: "They call every day at my brother's phone. He told them not to call on his phone. They are recorded messages and also they are on without the recordings. They call every day!" The complete complaint is available online via the link provided.

Desired Settlement: Consumer states: "I am not paying $42.40 back that was taken out of my account without my acknowledgement or authorization."

Business Response: Ms. ****** account (BEAB7319*****) has been updated and her Brother's phone number removed form the account. This number was found as her contact number during a skip trace.