Valley Collection Service

The information presented in this complaint are 100% false. We have never spoken to this individual. The only communications have been in response to complaints that he has made about us. The main point that he argues in this complaint is that we are required to provide a signed contract for this...

debt. This is an oral contract that was made by him and our client, (a local municipality). His utility account was set up based on a phone call on July 26, 2010 where a positive ID using his full social security number was used for set-up.  As a governmental agency they are not required to have written contracts. Statute of Limitation law allows for both written and oral debts and in this case it is a legal and binding oral contract. Proper validation was immediately sent after we received a prior complaint from this individual regarding this account. Lastly, multiple attempts were made to send notification of the account when we were first assigned the account in 2013 with our attempts to send to a last known address and a skip traced address returned. Only after making a good faith effort to contact this individual, did we place this on his credit. Certified mail is not required, we are only required to send as a first class letter.This account has been validated as a debt, it will remain on his credit as a disputed but owing debt and will be that way until it is paid in full. We are extremely disappointed that the assertions have been made that we have been breaking federal collection law, as we are 100% compliant in all of our collection activities. Thank you.

WORST COLLECTION SERVICE EVER. I received a notice from them stating, "You have had sufficient time to settle this account. PAYMENT IS EXPECTED NOW!" I've had a pulmonary embolism and was out of work for 8 months. It's been a struggle to keep a roof over my head and food on the table. It's like they assume the person they are speaking to is a deadbeat. They are incredibly unprofessional.

well I tried to get this problem taken care of and I needed it done fast all I was told that it would take two days for stuff to clear well when I make payment in other places I dont seem to have this problem not to mention how unhelpful at all could careless all they want is there [redacted] money and they dont waive any fees cause they cant or they would be out of buisness

Review: I had a civil traffic ticket that was sent to Valley Collection Services. A payment on my credit card in the amount of $431.60 was made on 7/5/13 reference number [redacted]. I recently made a purchase and was informed that this was still open and active on my credit report, therefore Valley Collection Services has failed to notify ALL credit reporting agencies that the account was paid in full. I want this taken care of ASAP!Desired Settlement: Report to all credit agencies that this account was paid in full and send me a certified letter stating you have handled the matter in a timely manner.

Business

Response:

This account was paid off on July 7th by credit card, the funds cleared our account on July 9th. On July 11th, we had reported to the credit bureaus that this account was paid in full. I am not sure as to why the credit reporting agency had not corrected the report. Unfortunately with the millions of reports that the bureaus receive from our agency along with all other credit reporting agencies, all accounts are not updated immediately by the bureaus. As this is not the fault of [redacted] (and in all honesty not our fault either), we sent in a second individual request to the bureaus to correct the reporting. This time we have marked for the account to be deleted as opposed to paid in full. This will increase the credit score more than the paid in full account would. The confirmation # we received from [redacted] (the credit reporting program) is [redacted]. In the future, we would appreciate a simple email or phone call regarding this issue and would prefer to resolve the situation more amicably.

Thank you,

Review: I received a collection letter from this collection agency for an alleged debt to the Gilbert AZ municipal court. I have never in my life been to Arizona, much less to Gilbert. The need to retract this letter and assure me that this will not become a credit issue for me.Desired Settlement: I need a letter stating that this was an erroneous attempt to collect a debt from the wrong person, that the collection is withdrawn and that no further action will be taken nor will any credit bureaus be contacted regarding this matter.

Business

Response:

Samantha Oberdank,We at Valley Collection Service, LLC are very disappointed to receive this complaint and feel that Mr. [redacted]'s actions in the dispute are against the Revdex.com's guidelines of communicating with the company first. We also feel that his actions in filing this dispute are solely malicious based on the fact that we received an email from him at approximately 6:00am Arizona time, opened our offices at 8:00 am and sent a response to Mr. [redacted] at 8:30am. I am attaching these emails to this response. Mr. [redacted]'s information was given to us by our client. We can not simply delete this with a court without confirming some basic information with Mr. [redacted]. We have no problems assuring Mr. [redacted] that this will not affect his credit AFTER he contacts our office and we can go through the proper channels with the Court. We feel that Mr. [redacted] is acting in poor faith to the Revdex.com guidelines by filing a complaint before giving us the opportunity to work with him. If he had requested our action weeks ago and it wasn't resolved, I would understand that. Debt collection law provides a 30 day window after a dispute to come up with a resolution. Mr. [redacted] had not even allowed for three hours. As stated in the email that we sent to Mr. [redacted] on Friday by one of our employees, he simply needs to call our offices, verify the information that were given and we can present that to the Court. If the information does not match, we will gladly send a letter stating that the account is not his and give confirmation numbers with all credit reporting deletions.We again request that this compalint be deleted from our file and look forward to the opportunity to work with Mr. [redacted] regarding his account.Thank you,[redacted]

Business

Response:

From: [redacted]

Sent: Friday, October 25, 2013 8:32 AM

To: '[redacted].com'

Subject: Response to [redacted]

Good Morning [redacted],

when you have time please contact our office because we need

you to verify some information before we can assure this is not your account.

Thank You,

VALLEY COLLECTION SERVICE LLC

###-###-#### EXT 217

###-###-#### FAX

This is a communication from a debt collector.

We are attempting to collect the debt and any information

used is strictly for that purpose.

Consumer

Response:

I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this proposed action would not resolve my complaint. For your reference, details of the offer I reviewed appear below.

This is the only message I have ever received from Mr. [redacted] in response to my email:"I will be out of the office on October 21- 24. If you have an urgent matter, please call me on my cell phone at ###-###-#### and leave me a message. I will call you as soon as possible. I will have limited access to email and my voicemail and will reply at my earliest convenience. Thank you and have a great day."He needs to resend me the alleged resolution message. You can imagine how alarmed I was to receive a collection letter that appeared to be nothing but a fraud since it is obviously baseless.If Mr. [redacted] sends me the email and his contact number I will call him.

Regards,

I had to deal with Valley Collection to take care of past due fines that were from 2008. When contacted first was not treated very well, especially since I was attempting to resolve a 4401.00 debt. The person I talked to could not get the transaction to go through, and had me contact my bank several times. This of course my bank assured me wasn't a problem on their end. Finally after multiply hours, and a call to her manager she found out that their system couldn't process that large of a payment in one transaction. She eventually divided it into two separate transactions and everything went through, although with a four day wait for payment to clear. This was a bit confusing to me as I have always been under the impression that an ACH payment generally fully posts in less than 2 days. I waited until the time had elapsed and contacted them, and they faxed confirmation of payment to Yavapai County. At this point I thought everything was cleared and I could get my drivers license reinstated. But that wasn't the case, apparently until the county received actual payment they would not issue a letter of satisfactory completion. I then called back and spoke to a wonderful employee Melanie (sp) she took the time to talk to her manager, as well as accounting department and was able to send a check before the beginning of next month to expedite the procedure with the court systems. She went way beyond what I had come to expect from valley collections and changed my general feeling of this company. I know that no one likes to deal with collection agencies, but when they are helpful it makes the entire ordeal less painful. I thank Melanie for this and her superiors in this matter. Thank you very much for your time, and helping me get back my driving privileges ASAP