Payliance

Year Paid, Paid, 2016, Paid Transaction number is: [redacted] : Thank you I am rejecting this response because: Year 2014-2015, paid in full until December 31, for year 2016, Year paid with confirmation [redacted] [redacted] Payalliance is requested to please delete all complaints to: Equifax, Experian, and TransunionThank you Regards, [redacted]

Thank you for the opportunity to respond to the above-referenced consumer complaintThis complaint is in regards to outstanding collections accounts for [redacted] and [redacted] Each account concerns a returned check made payable to [redacted] that was forwarded to Payliance for collectionsIn the complaint, Mr [redacted] alleges that Payliance reported the outstanding accounts to the credit bureaus after payment arrangements were made for the outstanding balancesPayliance records for each account are as followsAccount # [redacted] was received by Payliance for collections on August 12, and was initially reported as outstanding to the credit bureaus on October 24, Account # [redacted] was received by Payliance on July 31, and was initially reported on October 8, Account # [redacted] was received by Payliance of August 13, and was initially reported on October 24, Account # [redacted] was received by Payliance on September 12, and was initially reported on November 26, Account # [redacted] was received by Payliance on September 18, and was reported on November 26, Account # [redacted] was received by Payliance on March 25, and was reported on May 28, Account # [redacted] was received by Payliance on September 3, and was reported on November 8, Account # [redacted] was received by Payliance on June 2, and was reported on August 7, Account # [redacted] was received by Payliance on June 8, and was reported on August 7, Collection notices were mailed upon Payliance’s receipt of each account to the consumers at the address associated with each returned checkOn September 16, 2016, [redacted] called the Payliance Collections Department and arranged one $post-dated partial payment to occur on October 4, and a second $post-dated partial payment to occur on November 4, On September 20, 2016, [redacted] called Payliance asking why Payliance had reported the accounts to her credit history after she had made the September 16, payment arrangementsThe Payliance representative informed [redacted] that arranging a post-dated partial payment would not remove an outstanding account that had been previously reportedOn September 30, [redacted] called and canceled the October 4, post-dated paymentOn October 11, 2016, [redacted] again called in to complain that Payliance had reported the outstanding accounts after she had arranged the September 20, post-datesThe collection supervisor attempted to explain to [redacted] that Payliance initially reported the accounts to the bureaus well before the arrangements were made but [redacted] terminated the call before the supervisor could finishOn October 26, [redacted] called Payliance and moved her November 4, post-dated payment to December 2, As stated above, Payliance initially reported the consumers’ outstanding accounts to the credit bureaus before the consumers contacted Payliance to arrange paymentsTo date, Payliance has yet to receive any payments concerning this matterShould the consumers’ December 2, post-date payment clear their account, Payliance will ensure the adjusted balance is reported to the credit bureaus

I reviewed the response made by the business in reference to complaint ID [redacted] , and find the resolution is satisfactory to me Thank you Ms [redacted] My mother is willing to do what is right so she will contact the CNP Director for further steps because she has never had this to occur out of her years working in the system I apologize if any inconveniences were developed I just didn't know.Thank you Regards, [redacted]

Thank you for the opportunity to respond to the above-referenced consumer complaintTo clarify our previous response, Payliance did not have any contact information for the consumer when the outstanding balances for her returned checks were forwarded to Payliance for collections***’s stores utilize check scanners at the point-of-sale which read the routing and account numbers at the bottom of the check as well as the face value the check is written forThese scanners then electronically present the scanned information to a consumer’s bank for paymentTherefore, when ***’s # [redacted] forwarded the consumer’s outstanding accounts to Payliance, Payliance only received the consumer’s bank account and routing numbers for each returned check as well as the outstanding balanceBecause Payliance did not have contact information for the consumer, no direct attempt to notify her of her outstanding balances could be madeWhen the consumer called Payliance and arranged payment on July 8, 2016, she provided Payliance with her address and telephone numberThe consumer’s accounts were then updated with the provided information and the accounts were successfully reported as paid-in-full items utilizing the consumer’s newly acquired contact informationAs stated in our initial response, as of June 1, 2016, ***’s is sending their new returned checks to a different collection agencyHowever, the consumer’s checks were sent to Payliance for collections in April and May of Any accounts Payliance received from ***’s before June remain legitimate collections accounts at Payliance unless recalled by ***’sCurrently, all five of the consumer’s accounts have been paid-in-full per her arrangements she set up with the Payliance Collections Department on July 8, and August 5, Notices were previously sent to Equifax, Experian, and Transunion to have these five accounts deleted from the consumer’s credit reportIf not already removed, these accounts should be deleted from her credit history within the next days

Thank you for the opportunity to respond to the above-referenced consumer complaintThis complaint concerns a returned check placed into collections at Payliance by the US Postal Service (USPS)When the consumer’s check returned, the USPS charged a $returned check fee in addition to the original amount the check was written forAt each USPS location, there is a returned check notice posted at the point-of-sale stating any returned checks will incur the $feeThe notice further states that returned checks may be re-submitted to the consumer’s bank account via an electronic debit attemptWhen the USPS placed the check in collections with Payliance on January 10, 2018, Payliance attempted to re-present the $face amount of the check as well as the $returned check fee to the bank account associated with the returned checkThe January 10, presentment attempts failed to clear the consumers account and an additional attempt to present the $fee to the customer’s account was initiated on January 16, The January 16, presentment attempt did not successfully clear the consumer’s account and the total $balance remains outstanding for this matterPer the posted returned check notice, the consumer was informed what would happen in the event her check payment returnedPayliance has only attempted to present the $face-amount of the returned check and the $returned check fee for this matter—in her complaint the consumer states the $in fees were bank fees charged and refunded by her bankIn response to this complaint, all future attempts to present the outstanding balance to the consumer’s account have been haltedFor questions or payment options, the consumer may contact the Payliance Collections Department at ###-###-####If the consumer would like to discuss this matter directly with the USPS, they may be reached at ###-###-####

Faxing info regarding Acct # [redacted] Transunion advised me this item has been deleted aftere I disputed it in 9-I was verifid paid in full & Payliance ansered the dispute to have it deleted

I reviewed the response made by the business in reference to complaint ID [redacted] , and find the resolution is satisfactory to mePayliance Asked me to allow up to days for this action to reflect upon my credit reportRevdex.com has asked me to respond within days if I need further assistanceI'm wondering if Revdex.com can expand that until at least days in case anything arisesThank You

Hello [redacted] , Writing in regards to the above compliant number we received this afternoon As usual, this complaint concerns a returned-check we are attempting to collectThe issue is, however, that the check and the collections account are not in [redacted] name but a name unrelated to hisDue to collections laws and regulations, I cannot discuss the account/check with [redacted] without the check-writer’s explicit consent I know [redacted] complaint is related to the collections account in question because both parties are listed at the same address and the check writer was making similar complaints to our collections department a couple of days agoIs there anyway [redacted] can amend his complaint to include the check-writer’s name as well? I’ve attempted to contact the check writer using the phone number we have on file to obtain her consent to address [redacted] complaint but have so far been unsuccessful Let me know any questions Sincerely, Eric S Payliance Disputes Manager [redacted] ###-###-####

Thank you for the opportunity to respond to the above-referenced consumer complaintIf Mr [redacted] and Mrs [redacted] believe that the checks in collections were fraudulently written without their consent, then Payliance requires the previously requested police report copy or notarized affidavit for proof of fraudShould Payliance receive the requested proof of fraud, the accounts will be canceled from collections and the credit bureau listings of the accounts will be deletedIt is not Payliance policy, however, to delete credit listings of accounts in return for payment and neither [redacted] or [redacted] were ever informed by Payliance that the accounts would be removed from their credit history in return for paymentAs alleged in the most recent rejection, checks #### and ##### have been paid-in-full and were reported to the credit bureaus as paid accounts on May 8, Payliance respectfully denies the consumers’ request to remove the accounts from their credit histories in return for payment

I never received any letter or notice only until I contacted the Revdex.com and [redacted] and then they waited the whole month of November to re send it there fore causing it to still be in a negative balance Regards, [redacted] ***

v\: [redacted] o\: [redacted] w\: [redacted] Dear [redacted] Thank you for the opportunity to respond to the above-referenced consumer complaint In this complaint, the consumer states that Payliance has debited her account without her prior authorization and she has no idea what the debits are in regards to One of the services Payliance provides to our clientele is electronic debiting for businesses and entities that do not possess the ability to process electronic payments/debits from their customersWhen these debits are administered, a check image is generated and the transaction is then processed as if it were a physical checkPayliance is authorized to conduct these transactions through our agreements with our business clients and their subsequent arrangements with their own customers These particular transactions were done on behalf of [redacted] If [redacted] would like to dispute these charges or her arrangements with [redacted] she will need to resolve the issue directly with them as Payliance is only the processor of transactions on [redacted] ***s behalf Please feel free to contact us if we can be of further assistance / [redacted] Style Definitions */

This complaint concerns a collections account for a returned check that was placed in collections at Payliance by the [redacted] (***) on December 13, A dunning notice was mailed to the consumer’s attention by Payliance on December 14, to the [redacted] ***, Willcox, AZ address associated with the returned checkThe account was paid-in-full on March 10, and all collection activity concerning this matter has since been ceasedThe account was initially reported as outstanding to the credit bureaus on February 24, and notices were sent to the credit bureaus on March 24, to update the account to a paid-in-full status with a $balance past dueIn his complaint the consumer claims he was never notified of the returned check until Payliance mailed the December 14, dunning noticeAttached with this response is a copy of a letter the [redacted] mailed to the consumer on November 2, notifying him of the returned check and stating the account would be placed in collections if payment was not receivedBecause no payment was ever received by the [redacted] the matter was placed into collections at PaylianceOnce the account remained outstanding in collections for an excess of days, the account was reported to Equifax, Experian, and TransunionTo ensure the account is reporting as a paid item with a $balance, additional notices have been sent today to Equifax, Experian, and Transunion to update the account to accurately reflect a paid statusHowever, because the account was outstanding when initially reported, Payliance respectfully denies the consumer’s request to delete the account from his credit historyIt is not Payliance policy to delete previously-reported collections accounts once they are paid-in-full; instead accounts are updated to accurately reflect their paid status

v\: [redacted] o\: [redacted] w\: [redacted] Dear [redacted] Thank you for the opportunity to respond to the above-referenced consumer complaint This complaint is in regards to two accounts under the consumer’s name concerning returned payments made payable to the [redacted] *** The consumer paid one account, # [redacted] , in full on February 28, and Payliance notified the credit bureaus of the account’s paid status on March 8, The second account, # [redacted] , was canceled per [redacted] ***’s request and was removed from the credit bureaus on May 25, The consumer believes that the accounts should be included in the automatic stay of her bankruptcy filing # [redacted] [redacted] ***’ bankruptcy case was filed on February 29, 2012, a full year after she had paid account # [redacted] with PaylianceAccount # [redacted] should currently be reporting as a paid/closed status with a $balance past due to [redacted] ***’ credit historyHowever, in order to resolve this matter, Payliance has sent a notice to Equifax, Experian, and Transunion to have # [redacted] removed from the consumer’s credit historyWe ask that [redacted] please allow up to days for this action to be reflected upon her report The consumer also complained that Payliance has not responded to documentation she had mailed concerning this matterPayliance received a letter from [redacted] on February 4, concerning her bankruptcy case and the collection accountsA response to this letter has been mailed to the consumer today, February 26, Please feel free to contact us if we can be of further assistance / [redacted] Style Definitions */

Thank you for the opportunity to respond to the above-referenced consumer complaintAs stated in our initial response, the first of the consumer’s outstanding accounts was initially reported to the credit bureaus on October 24, and the final account received was initially reported on August 7, The consumer did not contact Payliance to arrange payment for the accounts until September 16, Even if the outstanding balances had not yet been reported by the time the consumer arranged post-dated payments for the accounts, arranging a post-dated payment would not halt an account from reporting to the credit bureausOnce an account received by Payliance remains outstanding in collections for a period of days, the balance is reported to the credit bureaus unless the account has been disputed or paid-in-fullPayliance respectfully denies to consumer’s request to delete the credit bureaus listings of his outstanding accountsTo date, no payments have yet to be made —the consumer has been calling in and moving the post-dates further ahead so that no payments have actually been processed for this matter at this time

v\: [redacted] o\: [redacted] w\: [redacted] Thank you for the opportunity to respond to the above-referenced consumer complaint This complaint is in regards to a collections account for a returned check # [redacted] made payable to the [redacted] on January 11, The check was written for an amount of $but was returned for insufficient funds by the consumer’s bank on January 22, Payliance is under contract with the [redacted] to collect on returned checks and payments made payable to the [redacted] Each [redacted] Post Office has, at the point of sale, a returned check policy notice that states any returned check will incur a $returned-check fee and is subject to submission to a collection agency as well as electronic re-presentments of both the face amount of the returned check and the $return fee The total outstanding balance of $was forwarded to Payliance for collections on February 8, and a collections notice was mailed to [redacted] ***’s attention at the PO Box ***Tyler, TX address associated with check #***Payliance also attempted to re-present the outstanding balance to the consumer’s bank account on February 8, However, only the $returned check fee paid from this re-presentment attempt and the $face amount of check # [redacted] remains outstanding The remaining $balance on Ms***’s account will not be re-presented any additional times however this outstanding balance remains in collectionsFor payment options concerning her account, we request that Ms Hogg contact the Payliance Collections Department at ###-###-#### Please feel free to contact us if we can be of further assistance / [redacted] Style Definitions */

I reviewed the response made by the business in reference to complaint ID [redacted] , and am willing to resolve the complaint However, I continue to have concerns about this company as I have been told by [redacted] Family Practice that they never authorized Payliance to debit against our account, and in my investigations of this company I have found many complaints about their illegal practices I hope that the Revdex.com will take a further look into this organization, and whether or not it is in compliance with practices authorized in your state

Thank you for the opportunity to respond to the above-referenced consumer complaintThis complaint is in regards to a returned check made payable to [redacted] ** [redacted] forwarded the outstanding balance owed on the returned check to Payliance for collections on February 3, and a dunning notice was mailed to the consumer’s attention at the [redacted] address associated with the checkThe outstanding balance was eventually reported to the credit bureaus on April 9, On January 6, 2015, Payliance received a notice of dispute the consumer filed with the credit bureaus concerning the collections accountIn response, Payliance verified with the credit bureaus that the account was reporting accurately and marked the consumer’s account as “disputed”The disputed status for the account was eventually reported to the credit bureaus on January 8, Later, on January 28, 2016, Payliance received a letter from the consumer offering a $settlement on the $outstanding balancePayliance mailed the consumer a letter denying his offer of partial settlement to [redacted] ***On February 28, 2017, Payliance received a second notice from the credit bureaus of a dispute the consumer had filed with themPayliance again verified that the information was reporting accurately and again reported the account as “disputed”Recently, on September 11, 2017, Payliance received a third notice from the credit bureaus concerning another dispute the consumer had filedPayliance once again verified the accuracy of the reported informationOther than the instances outlined above, Payliance has no record of additional communication with the consumer concerning this matterIn response to this complaint, a letter of validation has been mailed to the address provided by the consumer in this complaint (attached is a copy of the validation letter)The letter contains a copy of the check in dispute and written instructions on what is required by Payliance should the consumer determine the collections account is not his/hers, is the result of fraud, or has been previously resolved with [redacted]

Thank you for the opportunity to respond to the above-referenced consumer complaintThis complaint concerns a debt placed in collections under the name [redacted] by [redacted] in the amount of $The debt was placed in collections on July 21, and a dunning notice was mailed to the consumer’s attention on July 27, to [redacted] Rd, Cincinnati, OH Eventually, the account was credit reported on September 25, In response to the consumer’s complaint, Payliance has reached out to [redacted] to obtain a copy of the contract the consumer would have signed with [redacted] authorizing the transaction which created the outstanding balance in collections [redacted] , however, has been unable to provide a copy of the consumer’s contract with themTherefore, Payliance has canceled the consumer’s account from collections all collection activity concerning this matter has been ceasedNotices have been sent to Equifax, Experian, and Transunion to have the account deleted from the consumer’s credit history—we ask that the consumer please allow up to days for this action to be reflected upon her credit report

Thank you for the opportunity to respond to the above-referenced consumer complaintThis complaint concerns three returned checks sent to Payliance for collections by the [redacted] (***)Two checks, # [redacted] and #***, were written from an account belonging to [redacted] The third check, #***, was written from an account belonging to [redacted] Jrand [redacted] ***The collection accounts concerning checks # [redacted] and # [redacted] have been paid-in-full as of and neither account was reported as outstanding to the credit bureausThe account concerning check #***, however, remains outstanding with a $balance past duePayliance records indicate the balance for check # [redacted] was reported to the credit bureaus on April 8, Payliance received the returned check # [redacted] for collections from the [redacted] on April 1, and the outstanding balance was successfully re-presented to the corresponding [redacted] checking account and the balance for check # [redacted] has been pafull as of April 14, Payliance received the returned check # [redacted] for collections on December 1, and the outstanding balance was paid-in-full over the phone by [redacted] on December 8, Upon reviewing the recording of this December 8, phone call, the topic of credit reporting was never discussed by either the Payliance Representative nor [redacted] ***The returned check # [redacted] belonging to [redacted] and [redacted] was received by Payliance on February 8, and currently remains outstandingIn response to this complaint, Payliance has contacted the [redacted] Corporate Office concerning the consumer’s allegation the outstanding balance for check # [redacted] was paid directly to the [redacted] OfficeThe [redacted] Corporate Office confirmed the outstanding balance for this matter remains past dueThe [redacted] further claims to have found no records of a conversation with the consumer concerning the consumer’s creditIf Mr [redacted] has a [redacted] receipt or documentation demonstrating the balance for check # [redacted] has been re-paid, he may forward such documentation to Payliance for reviewIf the consumer would like to discuss this matter directly with the ***, they may be reached at ###-###-####A letter of validation for check # [redacted] has been mailed to the consumer’s attention today at the address provided in this complaint—attached with this response is a copy of this letter

I believe the actions of Payliance were not legal. I have included the statement that I received from the company which clearly states that I am to mail they a check or money order. No where on the statement does it state that they will or can debit my personal account. I submitted a check the day that I received the statement from the company. Why would I do this if I was made aware that they would take the liberty themselves? Further, I have confirmed from LeeAnn in the accounting department at Lexington Medical that no such agreement exists whereby a third party may extract money from my account without my knowledge or permission. At this point, I would like the BBB to note the poor business practice of this agency as you are misleading people.