BBB Business Review

This Business is not BBB accredited

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Additional Locations

Phone: (888) 430-8504   ! There is an alert on National Check Registry !

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BBB Accreditation

This business is not BBB accredited.

Businesses are under no obligation to seek BBB accreditation, and some businesses are not accredited because they have not sought BBB accreditation.

To be accredited by BBB, a business must apply for accreditation and BBB must determine that the business meets BBB accreditation standards, which include a commitment to make a good faith effort to resolve any consumer complaints. BBB Accredited Businesses must pay a fee for accreditation review/monitoring and for support of BBB services to the public.

Reason for Rating

BBB rating is based on 13 factors. Get the details about the factors considered.

Based on BBB files, this business has a BBB Rating of No Rating. The reason is as follows:

  • This business has no rating because it is out of business.

Customer Complaints Summary Read complaint details

57 complaints closed with BBB in last 3 years | 0 closed in last 12 months
Complaint Type Total Closed Complaints
Advertising/Sales Issues 0
Billing/Collection Issues 54
Delivery Issues 0
Guarantee/Warranty Issues 0
Problems with Product/Service 3
Total Closed Complaints 57

Customer Reviews Summary Read customer reviews

0 Customer Reviews on National Check Registry
Customer Experience Total Customer Reviews
Positive Experience 0
Neutral Experience 0
Negative Experience 0
Total Customer Reviews 0

Additional Information

BBB file opened: September 11, 2009
Business Category


Alternate Business Names
VRM & Associates
Industry Tips
Debt Collection

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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:

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


BBB Complaint Process

Your complaint will be forwarded to the business within two business days. The business will be asked to respond within 14 days, and if a response is not received, a second request will be made. You will be notified of the business's response when we receive it (or notified that we received no response). Complaints are usually closed within 30 business days.


Industry Tips


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What government actions does BBB report on?

BBB reports on known significant government actions involving business' marketplace conduct.


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As a matter of policy, BBB does not endorse any product, service or business.

BBB Business Reviews are provided solely to assist you in exercising your own best judgment. Information in this BBB Business Review is believed reliable but not guaranteed as to accuracy.

BBB Business Reviews generally cover a three-year reporting period. BBB Business Reviews are subject to change at any time.

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BBB has seen a major increase in collection agencies
setting up businesses in the Upstate New York area over the past several
years.  In an effort to keep consumers informed about which collection
agencies are operating in accordance with Federal Law, 
we are asking for specific information from all
collection agencies operating in our service area.  The requests includes
the following:


:Federal Employee Identification Number-EIN

:Proof Of Licensing, bonding and or registration by the
city, town in which your business is located.

:Proof of licensing required by any state in which you
operate by mail or telephone or email.


This collection agency has not responded to our



BBB advises consumers to be aware of their legal rights
in regard to collections.  The Fair Debt Collection Practices Act is a
statue enacted in 1978 which seeks to eliminate abusive and harassing behavior
by any debt or collection agency.  The act states specific practices and
rules under which debt collectors must abide by.  There are penalties for
agencies found breaking these laws.  Some of these laws state that a
collection agency is forbidden to harass a debtor, which includes threatening
violence or legal action.  They may not use crude or offensive language or
identify themselves as anyone other than by their business name.  If a
consumer believes a debt or collection agency has violated any of the FDCPA
laws the BBB encourages them to file complaints with the BBB at and Federal Trade Commission at

According to information in BBB files, this business is no longer in business.