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Complaint Details
Note that complaint text that is displayed might not represent all complaints filed with BBB. See details.
Initial Complaint
04/05/2024
- Complaint Type:
- Billing Issues
- Status:
- Answered
I received a bill for collections with a name I haven't had in over six years, which is outside limitations. On top of this, it was an attempt to collect on an amount that I know nothing about and for a company I have never authorized any type of transaction with. The bill is IDENTICAL to another company I filed a complaint about, ******** ******** **********. I am extremely concerned about the ethics of these collection companies and am trying to understand how fraud continues to take place when there are so many complaints about the same issues. I am asking this be rectified immediately as this impacts my credit score and so much more. Again, this is NOT my debt nor is it in a name I have used in over six years. I am hoping this can be investigated to betterBusiness response
04/12/2024
Payliance is a licensed third-party collection agency collecting on behalf of ** ****** *********** *********). This complaint concerns 1 returned item made payable to ** ****** *********** *********) and was placed into collections at Payliance on 3-12-2024. The return in dispute is account# ******* in the amount of $200.00 with a fee of $40.00 totaling $240.00. The check was returned as “No Account Found”. If ******* ***** would like to contact our merchant of record for further questions on the information provided to Payliance for collections, they can be reached at ###-###-####.
On April 5, 2024, Payliance Disputes Department received an email from ******* ***** and a validation of the debt was mailed to ******* ***** on 4-10-2024.If the returns are a result of fraud or forgery, Payliance requires either a copy of a filed Police Report or a notarized Affidavit attesting these returns were the result of fraud/forgery. Per Payliance policy, the police report needs to include the company associated with the fraudulent transactions and the dollar amounts. This information can be sent via email to [email protected] or by physical mail to * ****** ***** ** *** ********* ** ***** * ********** ********. Upon receipt of the requested documentation, Payliance will cancel the collections if deemed appropriate.
Initial Complaint
04/04/2024
- Complaint Type:
- Billing Issues
- Status:
- Resolved
I am having the hardest time with Payliance. I have paid a total of 4 accounts off with Payliance and they removed 2 from my credit report, however they have not removed the other two that I’ve paid recently. It has been over a month and still nothing. I’ve called multiple times and they said they will get it reported and removed and still nothing. I’ve also asked multiple times if someone could mail me some kind of statement to show what accounts I have left with Payliance, and again have been told it will be mailed to me and yet I’ve gotten nothing. Some days I try to call and I can’t get a hold of anyone. Just today I’ve tried calling 6 different times at different times throughout the day and no one answers. I am really wanting to get my accounts paid off and taken care of but I’m also not going to keep making payments if Payliance isn’t going to do their job and remove these accounts. Horrible collection agency.Business response
04/10/2024
This complaint concerns 4 returned items made payable to ******* ***** * *** and were placed in collections at Payliance.
Account# *******, check# **** was placed in collections on 6-14-2018 in the amount of $18.45 with a fee of $30 and was returned as “Non-Sufficient Funds” and was reported to the credit bureaus on 9-24-2018. Ms. ***** paid for this in full on 2-26-2024.
Account# *******, check# **** was placed in collections on 7-10-2018 in the amount of $11.82 with a fee of $30.00 and was returned as “Closed Account” and was reported to the credit bureaus on 8-24-20-18. Ms. ***** paid for this in full on 2-26-2024.
Account# *******, check# **** was placed in collections on 7-3-2018 in the amount of $43.62 with a fee of $30.00 and was returned as “Closed Account” and was reported to the credit bureaus on 9-7-2018. Ms. ***** paid for this in full on 3-7-2024.
Account# *******, check# **** was placed in collections on 7-3-2018 in the amount of $15.36 with a fee of $30.00 and was returned as “Closed Account”. Ms. ***** paid for this in full on 3-7-2024.
As of today Ms. ***** has the following Check Numbers that are still outstanding:
#**** - $101.87
#**** - $142.94
#**** – $96.97
#**** - $86.96
#* - $104.78
#**** - $102.89
Ms. ***** contacted Payliance Collections Department on 3-19-2024 to make payments to specific check, although the payments were posted to outstanding accounts, they were not posted to the specific check numbers the consumer requested. This has been rectified and posted accurately upon the consumers call on 4-4-2024. Accurate receipts have been provided as well as updates to the Credit Bureaus have been sent.
If Ms. ***** has any questions regarding her accounts, she can contact Payliance Collections Department at ###-###-####.
Customer response
04/10/2024
I accept the business's response to resolve this complaint.
Regards,
******** *****Initial Complaint
03/22/2024
- Complaint Type:
- Billing Issues
- Status:
- Resolved
I was charged with 2nd degree theft on these checks and I pay restitution directly to scheels so there is no reason for this to be held by a collection agencyBusiness response
03/27/2024
This complaint concerns 2 returned items made payable to ****************** and both were placed into collections at Payliance on 7-9-2020. The returns in dispute are check# **** in the amount of $1294.17 with a fee of $30.00 totaling $1324.17 and check# **** in the amount of $1684.95 with a fee of $30.00 totaling $1714.95. Both checks were returned as “non-sufficient funds” and the credit bureau disputes were filed on 9-8-2020.
******** ***** ***** disputes with the credit bureaus on 8-22-2022 and 2-14-24 both referencing check# 1055.
Payliance canceled checks **** & **** per BBB complaint, debtor provided proof of paying restitution through the court system directly to ******* and a request for removal from ******** ******s credit reports will be sent on April 8, 2024.
For additional assistance, Payliance can be reached via email at **********************, by physical mail to * ****** ***** ** *** ********* ** ***** * ********** ******** or by phone ###-###-####.Customer response
03/27/2024
[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 accept the business's response to resolve this complaint.
Regards,
Danielle WyantInitial Complaint
11/15/2023
- Complaint Type:
- Billing Issues
- Status:
- Answered
Today, I received a notification for collection from payliance reported to *******. When I checked, I was shocked to see it was reported for ***** ******** when we are up to date on the Autodebited payment with ***** of the ********** **************. PAYLIANCE did not reach out to me by mail or by call in regards to any collection. The issue occurred during the month of September when I had to open a new account in a new bank. The old account was closed and during autodebit we had an issue. I have given a check for that month and gave also autodebit information for the new checking account. Not sure the process of PAYLIANCE but it seems they have not done their job properly. They should have reached out to me and ***** of *********** *** before taking any action instead of this fraudulent report. This type of companies needs to be held responsible for their actions and possible business license suspension. I need BBB to take immediate actions to consider and review the company and check how many cases like this is occurring by PAYLIANCE. I need my credit report fix ASAP in next 48 hours or will be taking legal action.Business response
11/27/2023
Payliance is a licensed third-party collection agency collecting on behalf of **************** ***** ** and the Payliance account #******* was placed in collection* ** ***** *********** ***** ** on 9-6-2023. This complaint concerns one returned item made payable to **************** ***** **. The return in dispute is check#****** in the amount of $195.00 with a fee of $25.00 totaling $220.00. The check was returned as account closed and credit bureaus dispute was filed on 11-10-2023.
********** ***** filed a tradeline dispute for check#****** on 11-20-2023.
**************** ***** ** contacted Payliance and requested to stop the collection on ********** ***** and the account was cancelled on 11-16-23 per **************** ***** **.
Please be advised that on November 24, 2023 reporting, a request was sent to Equifax, Experian, and Transunion to have the above items removed from ********** ***** credit report. Please allow up to 30 days for this action to be reflected upon your credit report.Initial Complaint
11/01/2023
- Complaint Type:
- Billing Issues
- Status:
- Answered
I do not have a contract with ***********, who is trying to Collect a debt and reporting to Collections .I am NOT liable for this debt. They did not provide me with The Original Contract as requested.. I demand that this account to be removed from my Credit ReportBusiness response
11/07/2023
Payliance is a licensed third-party collection agency collecting on behalf of ******** **** ****** **** and the Payliance account #******* was placed in collections by ******** **** ****** **** on 7-26-2023. This complaint concerns one returned item made payable to ******** **** ****** ***** The return in dispute is check#**** in the amount of $455.15 with a fee of $25.00 totaling $480.15. The check was returned as frozen account and credit bureaus dispute was filed on 9-25-2023.
Ms. ****** filed a tradeline dispute for check#**** on 10-30-2023. Ms. ****** has not contacted Payliance regarding this account. To request validation of this account, Ms. ***** can reach our disputes department at ###-###-#### or by emailing **********************.
If the returns are a result of fraud or forgery, Payliance requires a copy of a filed Police Report or a notarized Affidavit attesting these returns were the result of fraud/forgery. Per Payliance policy, the police report needs to include the company associated with the fraudulent transaction, the check number and the dollar amount. This information can be sent via email to ********************** or by physical mail to * ****** ***** ** *** ********* ** ***** - Attention: Disputes. Upon receipt of the requested documentation, Payliance will cancel the collections if deemed appropriate.
Initial Complaint
10/25/2023
- Complaint Type:
- Billing Issues
- Status:
- Resolved
I paid off both debts for accounts: ****** and ***** ** with the understanding that these were taken off my credit. Years later they are still on there and preventing my from purchasing a home. When I called to have them removed they said they will stay on there until they expire. Had I been given this information I would have waiting for them to expire prior to paying. I was completely misled by this company and it is still causing me mental health issues years later as I am trying to grow and better my life. These people should not be able to do this to anyone without them signing to agree to something that will affect them and their residency for 7 + yearsBusiness response
11/01/2023
This complaint concerns returned items made payable to ********** and was placed into collections at Payliance on 2-2-2017. The returned check# **** in dispute are in the amount of $167.09 with a fee of $25.00 and returned check# **** in the amount of $171.11 and a fee of $25.00. Both checks were returned as non-sufficient funds and credit bureaus disputes were filed on 4-7-17. Ms. ******* paid in full check# **** and check# **** with a credit card on 5-23-17 and the credit bureaus were notified on 5-25-17 that the accounts were paid.
Please be advised that on November 8, 2023 reporting, a request will be sent to Equifax, Experian, and Transunion to have the above items removed from Ms. *******’s credit report. Please allow up to 30 days for this action to be reflected upon your credit report.
Please contact Payliance with further questions by calling ###-###-#### or emailing **********************.
Customer response
11/05/2023
I accept the business's response to resolve this complaint.
Regards,
****** *******Initial Complaint
09/06/2023
- Complaint Type:
- Billing Issues
- Status:
- Answered
I show a $76 collection on my credit report for Oct 22, 2020 from Payliance. It **** *** ****** ******* I've never purchased anything from ****! This is fraud and it's on my credit report. I have not received any letter stating I owe anything either. Please take off my credit report!Business response
09/11/2023
This complaint concerns a returned item made payable to the ****** ****** ****** ******* and was placed into collections at Payliance on 11-19-2020. The returned check# *** in dispute are in the amount of $76.35. The check was returned as uncollected funds and credit bureaus disputes were filed on 1-25-21.
If the returns are a result of fraud or forgery, Payliance requires a copy of a filed Police Report and a notarized Affidavit attesting these returns were the result of fraud/forgery. Per Payliance policy, the police report needs to include the company associated with the fraudulent transaction and the dollar amount. This information can be sent via email to [email protected] or by physical mail to * ****** ***** ** *** ********* ** ***** * ********** ********* Upon receipt of the requested documentation, Payliance will cancel the collections if deemed appropriate.
If ****** ********* would like to contact Payliance with further questions on the information provided to Payliance for collections, they can be reached at ###-###-####.Initial Complaint
07/21/2023
- Complaint Type:
- Billing Issues
- Status:
- Resolved
I received a letter in the mail from Payliance stating that I owe a debt of $200(plus $20 fee) to ********.
I called Payliance to dispute this debt and the person I talked to ******** was extremely rude and unhelpful. She would not send the information that shows I owe the debt. I followed the directions on the letter to properly dispute this and ******** would not listen.
I called the police to report this are fraud and Identity theft.
I did my own leg work and also call the ******** to obtain the information they had on file. ******** confirmed that my information was used to create this account, however the checking account was a fraud account. So this is Identity theft and Payliance is a horrible company that does not abide by their own operation practices to provide information once disputed.
Business response
07/26/2023
The complaint concerns a returned item made payable to *** **** ****** *********** and is regarding an ACH debit on an account not found. The account was received on July 14, 2023 in the amount of $200.00 with a return fee of $20.00 totaling amount due of $220.00.
The account was cancelled due to the *** **** ****** *********** listed this in error.Customer response
07/26/2023
I accept the business's response to resolve this complaint.
Regards,
******* *********Initial Complaint
07/15/2023
- Complaint Type:
- Billing Issues
- Status:
- Answered
I received a letter in the mail from payliance stating a check I wrote or authorized to ******** was returned to my bank unpaid on 5/11/2023. None of this is true. I haven't written a check in over 20 years and I certainly don't place bets on horse racing. I'm expecting this aggravating issue to be resolved as soon as possible.Business response
07/26/2023
The complaint concerns returned item made payable to *** **** ****** *********** and is regarding an ACH debit on an account not found. The account was received on July 10, 2023 in the amount of $300.00 with a return fee of $30.00 totaling amount due of $330.00.
The account was cancelled due to the *** **** ****** *********** listed this in error.Initial Complaint
07/05/2023
- Complaint Type:
- Billing Issues
- Status:
- Resolved
We received a letter from Payliance demanding payment from a purchase made from Oreilly Auto Parts 3805 made by someone who fraudulently used our checking account (which had been closed by our bank due to fraud at the time of the purchase). Rather than recognizing the fact that our account was closed due to fraud, Payaliance's Disputes Department sent a letter to our previous address (despite us pointing out that we do not live there) demanding that we provided a Notarized Affidavid of Fraud/Forgery OR. They provide no guidance on how to access this form or how to provide it to them. ******* (*****) and ********* ***** Here is the email we send to them: Dear Disputes: I am writing regarding Reference 2900032. The notice was sent to my previous address and forwarded by US mail, arriving yesterday May 23, 2023. You reference a Check #1081. Recently, we had two fraudulent payments that we reported to our bank. Our bank determined that these payments were indeed fraudulent and closed our checking account. It appears that the same party tried to pass a check to Oreilly Auto Parts 3805. We did not make this payment. Please confirm receipt of this email and notify me in the steps that we need to take to finalize this dispute and remedy this in our credit report. Thank you, ******* *****Business response
06/26/2023
BBB of Wisconsin
Attn: Ms. ***** ****** Via Email Only *************************
Re: Complaint 06/11/23; ID#: 20171445
Dear Ms. ******,
This letter responds to the complaint submitted on 06/11/23 (BBB Complaint ID# 20171445) which states, “We received a letter from Payliance demanding payment from a purchase made from Oreilly Auto Parts 3805 made by someone who fraudulently used our checking account (which had been closed by our bank due to fraud at the time of the purchase). Rather than recognizing the fact that our account was closed due to fraud, Payaliance's Disputes Department sent a letter to our previous address (despite us pointing out that we do not live there) demanding that we provided a Notarized Affidavid of Fraud/Forgery OR. They provide no guidance on how to access this form or how to provide it to them. ******* (*****) and ********* ***** Here is the email we send to them: Dear Disputes: I am writing regarding Reference 2900032. The notice was sent to my previous address and forwarded by US mail, arriving yesterday May 23, 2023. You reference a Check #1081. Recently, we had two fraudulent payments that we reported to our bank. Our bank determined that these payments were indeed fraudulent and closed our checking account. It appears that the same party tried to pass a check to Oreilly Auto Parts 3805. We did not make this payment. Please confirm receipt of this email and notify me in the steps that we need to take to finalize this dispute and remedy this in our credit report. Thank you, ******* *****.”
Upon review of our system, as of today’s date, Alliance Collection Agencies, Inc. has been unable to identify any account in our agency in ***** *****’s name. Ms. ***** specifically referred to Payliance in her complaint, Alliance Collection Agencies Inc. is not affiliated with Payliance. It may be helpful to know that there are other agencies, with similar, names as ours (ex: Alliance One, Alliance Collection Service), which are located throughout the United States.
If there is anything else you would like to discuss with us please feel free to contact Holly at ###-###-####, Monday thru Friday 8:00 AM – 5:00 PM (CST). If Ms. Blanton has any further questions, please have her call ###-###-####, Monday thru Friday 8:00 AM – 5:00 PM (CST), to speak to one of our Account Managers.
Sincerely,
Compliance Department
Alliance Collection Agencies, Inc.
Notice: This collection agency is licensed by the Division of Banking in the Wisconsin Department of Financial Institutions, ************. 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.
Alliance Collection Agencies, Inc. 3916 South Business Park Avenue Marshfield, WI 54449
p. ###-###-####
f. ###-###-####
www.alliance-collections.com
Customer response
07/03/2023
Better Business Bureau:
I have reviewed the response made by the business in reference to complaint ID 20171445, and have determined that this does not resolve my complaint. For your reference, details of the offer I reviewed appear below.
Hello,
We have been trying to respond to the letter sent by the BBB through your website, but it isn't allowing us to submit our response. We include it below.
Thank you.
Better Business Bureau:
I have reviewed the response made by the business in reference to complaint ID 20171445, and have determined that this does not resolve my complaint. For your reference, details of the offer I reviewed appear below.
The complaint should have been sent to Payliance, not Alliance Collection Agencies. We are attaching a second letter we recently received from Payliance that includes a photo of the fraudulent check that someone attempted to charge to our account, which our bank closed due to earlier frauds that we reported.
Regards,
***** *****Business response
07/13/2023
Payliance has canceled the above listed account due to fraud. The account balance is $0.00.Customer response
07/26/2023
[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 accept the business's response to resolve this complaint.
Regards,
***** *****
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Get a QuoteCustomer Complaints Summary
32 total complaints in the last 3 years.
17 complaints closed in the last 12 months.