Complaints

This profile includes complaints for Complete Payment Recovery Services, Inc.'s headquarters and its corporate-owned locations. To view all corporate locations, see Find Local Branches.

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• 

  Complete Payment Recovery Services, Inc.

  11601 Roosevelt Blvd N # Ta09 Saint Petersburg, FL 33716-2202

• 

  Complete Payment Recovery Services, Inc.

  347 Riverside Ave Jacksonville, FL 32202-4909

• 

  Complete Payment Recovery Services, Inc.

  PO Box 30272 Tampa, FL 33630-3272

The complaint text that is displayed might not represent all complaints filed with BBB. Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business.

• Initial Complaint

  Date:05/14/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  This collection agency claims that I wrote a check to ******* in *************, ** in the amount of $87.14. This information is not true and they are threatening me hurt my credit score based on this false information.

  Business Response

  Date: 05/14/2025

  Our Account Number: *********
  Our client: Wegmans #***** ****************
  
  Complete Payment Recovery Service****** (CPRS) is a licensed third-party agency specializing in debt collection on behalf of other companies.The debt in question is owned by our client, *******, a retailer that accepts checks. When a check accepted by our client is subsequently dishonored, it is placed with CPRS for collection.
  
  Based on records, this account was placed with our office on May 5, 2025, for a check issued by *********************** dated February ******, in the amount of $87.14. We have an image of the check that was returned with the reason Account Closed by *************************** institution,*********************************. A $20.00 returned check fee was added, bringing the total to $107.14.
  
  We mailed our initial collection notice to Mr. ************ on May 5, 2025, which outlined his right to dispute the debt and request validation. We have no record of Mr. ************ contacting our office regarding this debt. In response to Mr. ************s allegation that we threatened to harm his credit score, please note that our company does not report to credit bureaus. Our notice stated that this check is being reported to a national check verification database as authorized by our client, which merchants use to verify checks. This statement is not a threat to harm his credit.
  
  Based on Mr. ************s complaint, we have suspended collection activity pending resolution of the dispute. If he wishes to request validation or provide proof that this check was paid by his bank, he may contact our office directly.
  
  Thank you,
  

  Customer Answer

  Date: 05/18/2025

   
  Complaint: 23325981
  
  I am rejecting this response because:

  Dear Madam/Sir,

  Thank you for your prompt response.

  
  I attempted to contact Complete Payment Recovery Services, Inc., but their website is non-functional and does not provide an email address for formal communication. I encourage you to visit their site yourself to see how difficult it is to navigate. Additionally, there are numerous complaints online regarding this companys questionable practices. For your reference, here is a link to their Yelp page:
  ********************************************************************************************************************************

  
  I kindly request that all further communication on this matter be conducted via email for documentation purposes.
  Furthermore, I contacted Wegmans in ************* directly and was informed that the information provided by Complete Payment Recovery Services, Inc. is inaccurate.
  

  Lastly, I would like Complete Payment Recovery Services, Inc. to provide proof of the alleged check, including an image. I have reviewed all my bank accounts and found no record of this transaction.

  
  Thank you for your attention to this matter.

   

  "*******************************
  Tue, May 13, 7:51?PM (5 days ago)
  to me
  
  Hello Furkan,
  
  Thank you very much for sharing your concern with us. First, we want to let you know that we are not aware of any compromise of data or information. We also want to assure you that we have the physical, administrative, and technical security measures in place to protect checks/credit/debit card/ information. The most important step a consumer can take is to notify local law enforcement and your bank.  They have the tools and the authority to investigate your complaint and identify the source. 
  
  Sincerely,
  
  *******
  Customer Care Specialist
  Ref # *******"

  
  Sincerely,
  
  Furkan Oztanriseven, Ph.D.
  Program Director of Business Analytics
  Associate Professor of Business Analytics
  Chair of **************** Finance Committee
  Director of Financial Modeling at the Dolphin Green & ********** LLC  
  ****************************************
  ****************
  
  ************************************************************************************
  Office Phone: ************
  Cell Phone: ************
  E-mail: ******************************

  Business Response

  Date: 05/19/2025

  In response to Mr. ************* comment regarding the functionality of our website (**********************************)we would like to clarify that the website serves exclusively as a payment portal for online transactions, as intended. For further assistance, including disputes, requests, or other payment methods, we provide a telephone number for direct communication. Our notices also outline additional options for contacting us through a physical address and a *********** Box. Please note that we do not engage in consumer communication through the website.
  
  Website Disclosure:
  
  You can now efficiently and securely pay your account online. Your ********************************************** transaction will be credited and posted to your record at CPRS. It's safe, secure, and easy!
  This communication is from a debt collector. This is an attempt to collect a debt, and any information obtained will be used for that purpose. If you need further assistance, please contact us toll-free at **************.
  
  As requested, we will mail you a copy of your check. If you have any further questions or comments, you may contact our office via telephone or mail.
  
  Complete Payment Recovery Services, Inc. **************************************** **************
  
  Thank you,
  

  Customer Answer

  Date: 05/19/2025

   
  Complaint: 23325981
  
  I am rejecting this response because:

  We will wait for the mail showing the image of the check. Please send it as certified mail to make sure that you have a proof of mailing.

  
  Sincerely,
  
  Furkan Oztanriseven

• Initial Complaint

  Date:03/25/2025

  Type:Product Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I received a letter from this company that a check I cashed in January was returned unpaid. I called Complete Recovery this morning to get more information. I cashed a payroll check at ******* on Saturday, Jan. 18 at 12:28 PM as my bank is closed Saturday. I had no issue that I remember getting the check cashed. I spoke with ****** ***** just after 7 AM on March 10. She told me multiple times that I had tried to cash it twice and I had to pay it back. She would not give any information about the check, only to accuse me of trying to cash it twice. I stated to her unequivocally multiple times that I did not. I should not be accused of something I did not do! All I wanted was information as to whether my former employer had put a stop payment on a check but she accused me of a crime!

  Business Response

  Date: 03/25/2025

  Hello,

  Thank you for submitting your Compliant. You have located the incorrect company. Please submit this complaint with Complete Recovery. 

  Thank you,
  ***** *********
  THIS COMMUNICATION IS FROM A DEBT COLLECTOR.  THIS IS AN ATTEMPT TO COLLECT A DEBT.  ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE

   

  Business Response

  Date: 03/25/2025

  Re: BBB ID ********
  Our Account Number: *********
  Our client: Wal-Mart 0183

  
  Complete Payment Recovery Service****** (CPRS) is a licensed third-party agency specializing in debt collection on behalf of other companies. The debt in question is owned by our client, ********, a retailer that also provides check cashing services. When a check cashed by our client is subsequently dishonored, it is placed with CPRS for collection.
  
  This account was referred to our office on February *******, for a check issued by *************************** (maker) to ***** ****** (payee) dated January 15, 2025, in the amount of $775.00. Our client accepted the check in good faith, as part of a valid transaction, without knowledge of any dispute at the time, and is therefore entitled to recover the funds as a holder in due course. The check was returned with the reason Duplicate Presentmentby The *************. A $40.00 returned check fee was added, bringing the total to $815.00. The return code used by The ************* indicates that the check was presented more than once, possibly due to a remote mobile deposit followed by the physical check being presented to another check ******; however, we cannot be certain. There are several other possible situations that may have resulted in the check being presented more than once. We are not stating that Ms. ***** ****** cashed the check twice, and we regret if our agent made her feel as though she was being accused of wrongdoing.
  
  Based on Ms. ******* dispute during her telephone calls, we mailed her a copy of the check on March 21, 2025. If she has proof that the check cleared the account of the maker, we suggest she provide evidence by sending us a bank letter confirming that the check processed by our client,********, was paid. If she has further questions, she may contact our office.
  
  Thank you, 

  Customer Answer

  Date: 03/26/2025

   
  Complaint: 23043916
  
  I am rejecting this response because:
  
  the agent unequivocally stated that I cashed the check TWICE. When I explained that I took the check to ******* immediately after the mail ran, she insisted that I cashed the check twice. I have spoken with a manager at *******, who stated if the check had been presented twice, it would have been flagged in the system. I am asking for PROOF of where the first presentation was made. I am attaching pictures of my mobile deposit history for the month of January. I also have a jpg photo of my account statement showing deposits for January but it will not attach. 
  Sincerely,
  
  ***** ******

  Business Response

  Date: 03/26/2025

  We sincerely regret that our agent made Ms. ****** feel as though she did something wrong, and we apologize for any distress caused. Our company is not accusing Ms. ****** of cashing the check twice. The check in question was returned by the issuer's bank as a duplicate presentation, which could have occurred for various reasons. We have mailed you a copy of the check provided to us by our client. Our client did not receive funds for the check it cashed for Ms. ******* If Ms. ****** has proof that the check was paid to our client from the issuer's bank account, she may forward such proof to our office, and we will investigate the dispute with our client. Based on Ms. ******** dispute, we are removing the account from active collection and will not contact Ms. ****** regarding the debt.

  Thank you. 

  Customer Answer

  Date: 03/29/2025

   
  Complaint: 23043916
  
  I am rejecting this response because:

  the check copy I received is not the information I requested PLUS it is visible that some of the information was blacked out with a marker.

  i Asked for proof that the check was double presented and as a consumer that is my right  Has it not occurred to you that this could be a banking error? 

  
  Sincerely,
  
  ***** ******

• Initial Complaint

  Date:02/28/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Our company received a collections notice on a "bounced" check for a check that cleared our bank. We have proof of this. I asked how they received our information of a debt owed and who gave them this information all they would say is ********. They would not provide any other information. When asked for the collections company to provide proof that they were a legitimate company she would not provide me the information unless I confirmed the debt owed. We do not *** a debt to this company so I refused and asked again for a W9 she again would not unless I confirmed the debt. I also tried contacting ******** about this and have been unsuccessful as of yet to get in touch with anyone. I am still trying.

  Business Response

  Date: 02/28/2025

  Re: BBB ID ******** ******** ****
  Our Account Number: ********* ********
  Our Client: Wal-Mart 1037
  
  Complete Payment Recovery ************* (CPRS) is a licensed third-party agency specializing in debt collection for other companies. The debt in question is owned by our client, ********, which also provides check cashing services. When a check cashed by our client is dishonored, it is placed with CPRS for collection. This debt is a commercial account, not a consumer debt owed by Ms. **************** account was referred to us on February 13, 2025, for a check issued by ******** to ******* T ****** *** dated September 9, 2024, for $564.54. Our client accepted the check in good faith, without knowledge of any dispute, and is entitled to recover the funds as a holder in due course. The check was returned by *********** with the reason Other. A $30.00 returned check fee was added, bringing the total to $595.54. In our experience, the return code suggests the check may have been presented more than once, possible through a mobile deposit followed by the physical check being presented to our client.
  
  The document provided by Ms. **** shows the check was stamped and processed, although it is not clearly readable. We know the check was processed because it was returned. If the check had been returned for nonsufficient funds, it might have been eligible for redeposit and cleared. If the check cleared as Ms. **** indicates, we recommend ******** provide a letter from their bank confirming the item cleared and was paid to our client.
  
  ******** may also confirm with the payee, or the company that issued the payroll check, to understand why it was dishonored. Our agent answered Ms. ***** questions and agreed to mail her a copy of the check, which was sent this morning. We are unsure why Ms. **** claims information was refused and questions our legitimacy. Ms. **** can verify our 23-year business history on the BBB website. She also filed a complaint with the ****. We provide the ***** website on our notices and have a profile with them,supporting our legitimacy. Based on Ms. ***** questions during the recorded call, our clients are not required to attempt to collect returned checks before placing them with CPRS. If Ms. **** has further questions, she may contact our office.
  
  Thank you, 

• Initial Complaint

  Date:02/04/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  We operate a private ***************** One of our parents requested a chargeback on a credit card transaction. We found out about it a day later. We had issued a refund check for her credit card payment, not knowing she had requested a chargeback. Once we found out about the chargeback, we placed a stop payment order on the check we sent to her, as there was nothing to refund. In the meanwhile, the parent went to a ******* store (probably did not want to be refused, as the payment was stopped.)We received a collection notice from the collection agency, Complete Payment Recovery Services in late January. I attempted to explain the circumstances to the collection agency *** with whom I spoke. She continued to interrupt me and indicated that the parent's charge back was not relevant to the situation. She refused to listen to logical statements that we made. She then turned the question back on me, and began badgering me about whether or not we communicated our stop payment order on the check to the parent. It is intuitively obvious that the parent would have to know that we had stopped payment on the check, as she had done a chargeback on her credit card. Obviously, she knew that she had done so, but chose to cash the check anyway.The collection agency *** would not listen to me, and continued to talk over me loudly, and refused to listen to the circumstances. She was very rude, and was obnoxious. I would encourage legitimate business not to use this collection agency, as they exhibited poor etiquette, and would not listen to logic. Do you really want this firm ***resenting your company? We went ahead and paid the $280 to the collection agency although we were not obligated to do so in our opinion, to avoid a long drawn out legal battle. Given their rude behavior, we feel certain that they would twist our logic around to get their precious $280 back, and make us look bad to the public.

  Business Response

  Date: 02/04/2025

  Re:  BBB ID ******** **** *********
  Our Account Number: ********* Christian Community (Issuer)
  Our Client: Wal-Mart 9999
  
  
  Complete Payment Recovery Service****** (CPRS) is a licensed third-party debt collection agency. The referenced debt is owned by our client,********, which provides check cashing services. When a check cashed by our client is dishonored, it is placed with CPRS for collection.
  
  On January 7, 2025, we received an account for a check issued by ********************* to ******* ****** for $280.00. This account was not in Mr. ********** name. Our client accepted the check in good faith as part of a valid transaction, in exchange for cash value, and was entitled to collect the funds as Holder in Due Course. The check was subsequently returned due to a Stop Payment order. We mailed a collection notice to the issuer,detailing the account and their rights to request validation and dispute the account.
  
  Mr. ********* contacted us on January 30, 2025, to dispute the account, stating the payee was not due the refund, which led to the stop payment. We are not involved in the specific credit card transaction and dispute between the issuer and the payee that Mr. ********* reports. Our agent may have been confused about the dispute since Mr. ********* stated the payee was not informed of the stop payment. However, the account should have been updated based on Mr. ********** dispute. We have now updated our records, and the account is no longer in the issuers name. We will not contact the issuer again regarding this account. We regret any inconvenience caused.
  
  Regarding Mr. ********** concern about public disclosure,CPRS does not disclose information to the public or furnish information to credit bureaus. We trust this addresses all of Mr. ********** concerns and appreciate his feedback. He may contact us with any further questions.
  
  Thank you, 

• Initial Complaint

  Date:11/18/2024

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Today which is 11/15/2024 I noticed a check pending in my bank account for $40 which seemed odd because I hadn't recently written any checks let alone one for $40. I called my bank immediately who could not find an image of the check, but after some digging, they found out that the "to" field of the check said (make check payable) to: "Complete Payment Recovery Services". I have NEVER written a check out to such a company nor have I ever HEARD of such a company. I went ahead and googled the information only to find this is a debt collection company. I am JUDGEMENT PROOF and collectors may not legally take any money out of my account no matter WHO it's written out to without going through the appropriate judgment filing process in which they would lose because again, I am judgement proof as I receive only SSDI as income. Therefore I will be taking additional action if the company or whomever they are representing, does not immediately take proper action which is only to be one thing: return the $40 to my bank account IMMEDIETELY and discontinue any further collection attempts unless they are through LEGAL MEANS. They can't just bypass the law, they can't create an E-check out of thing air because they feel like it. I am protected by laws beyond just being judgment proof. There was no phone # listed with the "check". I have no idea who they are collection for or when this check was written out so I cannot provide you with any date besides today, 11/15/2024. The amount of money I "paid to business" is ZERO. What the business committed to provide me: I have no idea how to answer this as again, I've had zero contact with any such company. Nature of dispute - they illegally took $40 of collection money out of my bank account by creating a check written out to themselves using my bank account info. For me to "stop payment" would cost me $30 which I don't have. This isn't OKAY, and needs to be corrected IMMEDIATELY.

  Business Response

  Date: 11/18/2024

  Re:  Case # ********
  Our Account Number: *********
  Our Client: Wal-Mart 1581
  
  Complete Payment Recovery Service****** (CPRS) is a licensed third-party agency that collects debts owned by other companies. The referenced debt is owned by our client, ********. Our client is a retailer and as part of its business provides check cashing services. When a check is cashed by our client and later dishonored, it places the item with CPRS to collect.
  
  This account was placed in our office October 30, 2024, for a check dated October 15, 2024, issued by ******* ***** (maker) made payable to herself in the amount of $150.00. Our client accepted the check in exchange for cash value, in good faith, as part of a valid transaction without knowledge of any dispute at the time and therefore entitled to recover funds as Holder in Due Course.The check was dishonored by *************** for insufficient funds.  
  
  Our client is required to post signage at the point-of-sale informing its customers that if a ********************** is returned due to insufficient or uncollected funds, the maker authorizes CPRS to collect a Service Charge and/or Face Amount of the check, via an Electronic Funds Transfer (EFT), or using bank drafts drawn on their account.
  
  We processed an EFT on October 31, 2024, for the check face amount of $150.00, and then we processed a site draft for the returned check fee on November 30, 2024. The fee amount was $40.00 based on South Dakota statute for returned checks. Since the both the check and fee amounts have cleared *************** account, no other collection effort was required. We must decline Ms. ****** request for a refund unless Ms. ***** can provide a letter from her bank confirming her check was not dishonored the first time it deposited or that her bank made an error.
  
  We hope this information answers Ms. ****** concerns. If she has any other questions, she may contact our office directly and we would be happy to assist her further.
  
  Thank you,
  
  

  
  

• Initial Complaint

  Date:11/04/2024

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  This company contacted me sept 2024 I thought legit so paid them $75 turns out they then attempted to take out $5000. Got money back and changed accounts. Now getting second letter from them showing the exact same scam they pulled the first time attached is the letter not to mention calling me.

  Business Response

  Date: 11/06/2024

  November 06, 2024
  
  Re:  Case # ********
  Our Account Number: ********* ***** G *****
  Our Client/Merchant: Wal-Mart-9999 
  
  The referenced debt is owned by our client, ********. Our client is a retailer and as part of its business provides check cashing services. When a check is cashed by our client and later dishonored, it places the item with Complete Payment Recovery ************* (CPRS) to collect.
  
  According to our records, this check was issued by ***** G ***** dated June 08, 2024, in the amount of $75.00 made payable to ******* St *****. The check was deposited by our client on August 31, 2024, and subsequently dishonored by ******* on September 05, 2024. The account was placed with CPRS on September 06, 2024. A first notice letter was mailed to ***** G ***** on September 10, 2024. On September 17, 2025, a call was placed to CPRS from **** ***** regarding a letter that was mailed to her husband ***** ***** for a debt. The agent explained that the debt was for a check ending 4603 that was presented at ******** on June 08th, 2024 in the amount of $75.00 with a returned note as closed. The total amount due was $95.00. Mrs. ***** then explained that she believed this was not her husbands debt as they dont have any checking accounts that ending with that number and her husband has not been out of the house in over a year. The agent said that the number was for the check and not the bank account number. Mrs. ***** indicated that they have three checking accounts, but none of them have check numbers that end in the number provided. The agent stated he would mail additional information to Mrs. ***** and that if she still didnt believe this was their debt they can call back.
  
  On September 25, 2024, a call was placed to ***** ****** and Mrs. ***** answered the call and said she received a letter yesterday and agreed it was her husbands check, however the check was written four years ago in 2020. Mrs. ***** stated the bank account was closed in 2022 and did not understand how the check was dated for 2024 but agreed that it was written to ******* St. ***** on June 8th, 2020, who was their cleaning lady. The agent could not explain why there was a difference between the dates of the check, but that the check may have now been reported to CPRS. The agent also stated that ******** was involved because the check was cashed at the store and returned since the bank account is now closed. Mrs. ***** stated to the agent that she believed the date on the check was altered. After our agent discussed this with management, the agent explained that the debt could be taken care of today or Mrs. ***** had the option to report this as fraud to the bank. Mrs. ***** agreed to take care of the amount and pay only $75.00. The request to remove the $20.00 fee was granted. An ACH payment for $75.00 was made over the telephone using **************** account ending in 9444. The agent said that it would take up to three business days to process and a total of eight business days to clear. Mrs. ***** asked if this would have any impact on her credit, and the agent explained that this was not being reported.
  
  On October 22, 2024, the payment made over the telephone was reversed and as a result the debt was not satisfied. CPRS placed a call to ***** G ***** and Mrs. ***** answered and said she did not want to give any information or do anything. Mrs. ***** then stated we have tried to take several thousand dollars out of her account, and this was a scam. The agent tried to verify if Mrs. ***** no longer wanted to be contacted by CPRS and there was no response. 
  
  In regard to the complaint filed by Mrs. ****** CPRS would not be able to take any amount more than what is owed. As noted above, CPRS is only collecting on behalf of our client (********) in the amount of $75.00. The call placed by CPRS to ***** G ***** on October 22, 2024, was the result of the payment made on 09/25/2025 being reversed by ****************. Based on this complaint and the information we received during the phone call with Mrs. ****** we are closing this account as fraud, and we will not contact *** or Mrs. ***** regarding this account. We apologize for any inconvenience this may have caused and hope this information answers all his concerns noted in the complaint. You can give us a call if any additional information or assistance regarding this matter is needed.
  
  
  Thank you, 
  
  

• Initial Complaint

  Date:10/28/2024

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Hi I was just Charged 300 dollars today for the debt I owe of 218 not 300 so why was there an extra 82 dollars taken from my card the debt was supposed to be paid on the 31 not the 25th I would like to remind you that unless you have a valid reason to charge my card 82 extra dollars then I expect the 82 dollars to be refunded to my card within 48hrs after the charge or I will get my lawyer involved and I will take legal matters but only if you are unable to comply with the matter if you can prove that overcharge was for something important like fees and stuff then I should be worried because I have never heard of ***************************************************************************************************************************** court

  Business Response

  Date: 10/29/2024

  October 29, 2024
  
  BBB Case No.:  22475940
  Our Account: ****** ******, Control No. 363096566
  Our Client: **************** 
  
  
  The referenced debt is owned by our client, **************** Our client provides an online application allowing consumers to negotiate checks with a check ****** and transmit the funds to a linked bank account, prepaid card, ******, or similar account. When our client authorizes a transaction and the transaction subsequently dishonored, our client warranties the payment, becoming the owner of the debt, and places the item with Complete Payment Recovery Services, Inc. (CPRS) to collect.
  
  According to our records the first referenced account is for a check issued by 232 Community Alternatives (Maker) to ****** ****** (Payee) in the amount of $198.00.  The check was negotiated using the Ingo Money Application to transfer funds to a Pay Pal account. The transaction was later returned for Duplicate Presentment. A $20.00 returned check fee was added making the total amount due $218.00. The account was placed in our office on 10/08/2024. Upon placement, we mailed our first notice to Mr. ****** on 10/08/2024 which included the right to dispute the debt and request validation from CPRS. On 10/21/2024, Mr. ****** called CPRS and spoke to one of our agents to set a postdated payment in the amount of $218.00 that was to be taken from his bank account ending in 3783 on 10/31/2024. Mr. ****** then called CPRS again on 10/28/2024 to make a payment in full using his card, the agent advised that card payments could only be made using Money Gram. The agent stated that a payment could be made over the phone with a checking account or through our website ****************************. The agent also advised that a payment was already scheduled for 10/31/2024, and Mr. ****** stated that he wanted to make a payment today and get it over with. The agent canceled the postdated payment, and a payment was made using the same bank account Mr. ****** previously ending 3783 for $218.00. The agent advised that the payment would process in the next three days from his bank account and that it could take up to eleven days to completely process.
  
  In regard to the complaint filed with the Better Business Bureau on 10/25/2024, Mr. ****** states that $300 dollars was taken from his card on 10/25/2024 and the amount should have been taken on 10/31/2024. He also states that there was an extra $82.00 taken and has asked to be refunded if CPRS cannot prove why he was charge that additional amount. 
  
  CPRS does not take payments from a debit or credit card, only ACH payments can be made over the telephone. As previously noted, Mr. ****** called CPRS three days after he submitted the complaint to the Better Business Bureau to make an ACH payment for $218.00 on 10/28/2024 and to cancel his postdated payment that was scheduled for 10/31/2024.  CPRS never took $300.00 from Mr. ******* account and our system would never allow for a payment to be drawn for more than the amount owed. It appears that the $300 taken from Mr. ******* card is from another company and not CPRS.
  
  We appreciate the Better Business Bureau in assisting ****** ****** and providing us with an opportunity to give accurate details of the account. Since a ********************** was made on 10/28/2024, the account is closed in our system and no further action will be taken as long as the payment clears. We hope this information answers all his concerns noted in the complaint and we are here to provide any assistance if requested.  
  
  Thank you,
  
  

• Initial Complaint

  Date:09/10/2024

  Type:Order Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Received letter from Complete Payment Recovery Services, Inc. Stating we owed $361.28 to ******* store #**** after our Company check was bounced. First of all we don't have Company checks lol !! I called ******* Corporate and asked where store #**** was , they said there is no **** location. Secondly we don't know who alleged check was written to OR who signed it! We are owner operators of this business and never heard of either of these ppl. THIS IS A SCAM DO NOT PAY THEM. MAKE A POLICE REPORT!!!

  Business Response

  Date: 09/11/2024

  September 11, 2024
  Re: Case # ********
  Our Account Number: ********* Welding Unlimited
  Our Client/Merchant: Wal-Mart-9999

  The referenced debt is owned by our client, ********. Our client is a retailer and as part of its 
  business provides check cashing services. When a check is cashed by our client and later 
  dishonored, it places the item with Complete Payment Recovery Service****** (CPRS) to collect.
  According to our records, this check was issued by Welding Unlimited dated August 10, 2024, in 
  the amount of $361.28 made payable to **** ***** of ***************************************** 
  The check was deposited by our client on August 20, 2024, and subsequently dishonored by Key 
  Bank on August 22, 2024. The account was placed with CPRS on August 23, 2024. A first notice
  letter was mailed to Welding Unlimited on August 24, 2024. ******* ******* placed a call to 
  CPRS on September 9, 2024, in regard to the letter and told the agent that Welding Unlimited
  does not write checks and does not use ********* The agent advised to file a police report since 
  this was a fraudulent check. A copy of the check was requested, which we mailed to you on 
  September 10, 2024. In your complaint with the Better Business Bureau, you indicate that you do 
  not know the payee of the check and called ******** Corporate about the location of the store 
  number on the letter sent to Welding Unlimited. Wal-Mart-9999 is a centralized location to process 
  returned checks. Unfortunately, we are unable to determine the store location due to the marking 
  on the back of the check not being visible.

  Based on this complaint and the information we received during the phone call with CPRS, we 
  are closing this account as fraud, and we will not contact anyone at ***************** regarding
  this account. We apologize for any inconvenience this may have caused.

  Thank you, 

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

  Compliance Officer, CPRS

• Initial Complaint

  Date:08/20/2024

  Type:Customer Service Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I had to close and reopen all of my bank accounts after a hacking attempt that gained control of my online banking for approx 30 minutes until the hackers were shut out.I started getting bogus collection letters and a hold was put on my ability to pay from my bank account by this collection agency. They demanded my banking information and payment in order to release their hold. I had already paid the bill to my insurance provider directly and there was no amount due.These people are 100% in league with aggressive hackers who are targeting senior bank and savings accounts. The bogus collections are created after they see the payees in your banking info.

  Business Response

  Date: 08/21/2024

  Tell us why here...

  August 21, 2024
  Complaint ID:  ******** 
  Our Account: *********************** *********
  Our Client: Metavante Corporation 

  Complete Payment Recovery Service, **** (CPRS) is a third-party agency that collects debts owned by other companies. The referenced debt is owned by our client, Metavante. Our client provides a bill-payer service through participating financial institutions in which its customer authorizes a ********************** to be processed from his or her checking account. If the authorized transaction is returned for any reason, our client warrantees the payment so that payee receives payment and customers bank account is not charged back. The customer then owes our client, Metavante, for the dishonored transaction and our client places the account with ******************** to collect. 

  On July 12, 2024, the referenced account was placed with our office for collection. According to our records, the account is for a rejected transaction authorized by ************ (maker) from his checking account with **************** N.A., ending in 9570, to State Farm Insurance (payee) ending in 5516 on June 25, 2024, in the amount of $328.85 Subsequently, the transaction was returned by ************** financial institution as Uncollected Funds. Our client paid State Farm Insurance through its warranty service and placed it with our office to collect. 

  On August 20, 2024, a representative from **************** contacted CPRS in regard to the returned transaction and asked if the payment could be made from ************** bank account. The representative added ************ to the call so our agent could verify ************** information. A payment was authorized by ************ in the amount of $325.85 and the representative from Fifth Third provided our agent with ************** bank account and routing number to process the payment. The agent then advised that it could take up to 8 days for the payment to clear.

  In regard to the complaint filed with the Better Business Bureau, ************ has asked that we no longer contact him. We have notated ************** account in our system and our agents will no longer be contacting him regarding this debt.
  

  We appreciate the BBB in assisting ************ and providing us with an opportunity to respond to the complaint filed against CPRS. We hope this information answers his concerns and we believe this issue has now been resolved.
  

  Thank you, 

  *******************************
  CPRS Compliance Officer 
  
  

• Initial Complaint

  Date:08/09/2024

  Type:Billing Issues
  Status:

  ResolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  8/9/2024 ************** to ask about check claimed to be issued and insufficient funds from our company. Was told check was from 5th/3rd bank who we do NOT have a checking account with. Want to make sure no credit report is filed against us and this complaint it erased from our record.

  Business Response

  Date: 08/27/2024

  
  Re:  Case # ********
  Our Account Number: ********* Victory Clinical Service III, **** 
  Our Client/Merchant: Wal-Mart 5160 
  
  The referenced debt is owned by our client, Wal-Mart. Our client is a retailer and as part of its business provides check cashing services. When a check is cashed by our client and later dishonored, it places the item with Complete Payment Recovery Service, **** (CPRS) to collect.
  
  According to our records, this check was issued by Paycor on behalf of ********************** III, **** dated March 29, 2024, in the amount of $155.06 made payable to *************************** of *******************************************************************************. The check was deposited by our client on July 19, 2024, and subsequently dishonored by **************** on July 29, 2024. A returned check fee was accessed based on statute where the check was cashed, making the balance due $180.06. This check was issued and signed by Paycor, a payroll processing company. The account was placed with CPRS July 30, 2024. A first notice was mailed to Victory Clinical on July 31, 2024. We received a dispute letter from Victory on August 23, 2024. along with a request for the name and address of the original creditor, which was mailed on August 23, 2024. Paycor does appear to be a valid payroll company and ****************** does appear to be a person list at the address on the check. 
  
  Based on this complaint, we are closing this account as disputed, and we will not contact Victory Clinical again regarding this account. Our company does not report to credit bureaus. The account information, including details of this complaint, is part of our records which we will retain until such time as it may be deleted based on our record retention requirements. 
  
  Thank you, 
  

  *******************************-Compliance Officer