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Payliance Reviews (89)

I reviewed the response made by the business in reference to complaint ID [redacted], and find the resolution is satisfactory to me. Payliance Asked me to allow up to 15 days for this action to reflect upon my credit report. Revdex.com has asked me to respond within 10 days if I need further assistance. I'm wondering if Revdex.com can expand that until at least 15 days in case anything arises. Thank You.

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]' 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

Thank you for the opportunity to respond to the above-referenced consumer complaint. This complaint is in regards to an outstanding collections account the consumer has at Payliance concerning a returned check made payable to [redacted] forwarded the account to Payliance for...

collections on May 9, 2011 and Payliance mailed the consumer a collections notice to [redacted] on May 20, 2011. On May 9, 2016, the consumer called the Payliance Collections Department and spoke with the collections department supervisor. The consumer was trying to cash a check but was being denied because her Driver’s License was flagged under the National Check Network due to the outstanding collections balance with Payliance.  In the complaint, the consumer alleges that she was hung up on three times before speaking with the collections supervisor. She also claims that the supervisor was rude and laughed at her. In response to the consumer’s allegations, we have reviewed the call recordings in question. The consumer called the collections department a total of four times; each call was answered by the collections department supervisor. During the initial three calls, the supervisor could not hear the consumer and the calls were terminated. On the fourth call, the consumer and the supervisor discussed the collections account. The supervisor explained why the consumer’s license was flagged and explained the reason for her outstanding balance. The consumer questioned why she had not had issues with the flag on her license until now and the supervisor explained that the consumer’s license has been flagged since Payliance placed the consumer’s account in collections in May 2011. The consumer next asked what would be required to remove the flag from her records and she was informed that the flag would be removed for payment-in-full of the outstanding $82.23 balance. The consumer then stated that $82.23 seemed high for a check to [redacted] and the supervisor informed Ms. [redacted] that the $82.23 balance was the $52.23 face amount of the returned check in addition to a $30.00 returned check fee. Ms. [redacted] accused the supervisor of being rude and asked to speak to a manager. The supervisor informed the consumer that she was the supervisor for the collections department and gave Ms. [redacted] information on how to dispute her account if she wished to do so. At no point during the conversation outlined above was the consumer laughed at or treated in an inappropriate manner. Ms. [redacted] was informed of the nature of her outstanding account and was told what was required to remove the flag associated with her license. If the consumer would like to dispute her account, she may send her dispute in writing to Payliance by mail at [redacted] by email to [redacted], or by fax to ###-###-####. Please feel free to contact us if we can be of further assistance.

Thank you for the opportunity to respond to the above-referenced consumer complaint. This complaint concerns a returned check #[redacted] which was placed in collections at Payliance by the [redacted]). Payliance is under contract with the [redacted] to collect on returned checks and payments made...

payable to the [redacted]. Payliance received the consumer’s check #[redacted] for collections on July 28, 2014 and a collections notice was mailed to the consumer’s attention at the [redacted], NY 11939 address associated with the check on August 5, 2014. In response to this complaint, we have contacted the [redacted] to verify the claims made by the consumer. The [redacted] has confirmed they received payment-in-full from Mr. [redacted] at the Post Office after the check #[redacted] returned per the consumer’s complaint. As a result, Payliance has canceled all collection activity concerning check #[redacted] and notices have been sent to Equifax, Experian, and Transunion to have the account deleted from the consumer’s credit history (we ask that the consumer allow up to 15 days for this action to reflect upon his credit report). Should the consumer have any questions concerning this action, we request he contact the Payliance Disputes Department at ###-###-####.

[redacted]
Thank you for the opportunity to respond to the
above-referenced consumer complaint
This complaint is in regards to account ###### for
a
returned check ###### written to [redacted] which was returned because
the associated checking account was closedCheck ###### was written for an
amount of $and incurred a $returned check fee when the item was
returned—making a total outstanding balance of $due for the accountThe
consumer wishes to know how to make payment for this item
[redacted] may pay the outstanding account in one of the
following ways: he may send a check or money order to Payliance at [redacted] he may pay online at[redacted]or he may pay over the
phone at ###-###-####We wish for [redacted] to note, however, that when accounts are paid-in-full, the
status with the credit bureaus is updated to reflect a paid/settled status with
a $balance
Please feel free to contact us if we can be of further
assistance

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 [redacted]Tyler, TX address
associated with check #[redacted]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[redacted]'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

Thank you for the opportunity to respond to the above-referenced consumer complaint. This complaint concerns four returned checks sent to Payliance for collections by the [redacted]). Two checks, #1574 and #1088, were written from an account belonging to [redacted]. A...

third check, #147, was written from an account belonging to [redacted]. and [redacted] and the final check, #1233, was written from an account belonging solely to [redacted]. The collection accounts concerning checks #1574 and #1088 have been paid-in-full as of 2015 and neither account was reported as outstanding to the credit bureaus. The accounts concerning checks #147 and #1233, however, remain past due with a $152.50 and $422.00 outstanding balance respectively. Payliance records indicate the balance for check #147 was reported to the credit bureaus on April 8, 2016 and the balance for check #1233 was reported on May 25, 2017. Payliance received the returned check #1088 for collections from the [redacted] on April 1, 2015 and the outstanding balance was successfully re-presented to the corresponding [redacted] checking account. The collections account for check #1088 has been paid-in full as of April 14, 2015. Payliance received the returned check #1574 for collections on December 1, 2015 and the outstanding balance was paid-in-full over the phone by [redacted] on December 8, 2015. Upon reviewing the recording of this December 8, 2015 phone call, the topic of credit reporting was never discussed by either the Payliance Representative nor [redacted]. Check #147 was received for collections on February 8, 2016 and check #1233 was received on March 23, 2016. Dunning notices for these two checks were mailed to the [redacted], North East, MD 21901 address associated with the checks on February 8, 2016 and March 25, 2016 respectively. To date, checks #147 and #1233 remain outstanding as no payments have been received by Payliance. In response to this complaint, Payliance has contacted the [redacted] Corporate Office concerning the consumer’s allegation the outstanding balances for checks #147 and #1233 were paid directly to the [redacted] Postal Office. The [redacted] Corporate Office confirmed the outstanding balance for both checks remains past due. The [redacted] further claims they have no records of a conversation with the consumer concerning the consumer’s credit. If Ms. [redacted] has a [redacted] receipt or documentation demonstrating the balance for either check #147 or check #1233 has been re-paid, she may forward such documentation to Payliance for review. If the consumer would like to discuss this matter directly with the [redacted], they may be reached at 1-866-974-2733. Attached with this response are copies of validation letters for checks #147 and #1233 which have been mailed to the consumer today at the address associated with this complaint.

Faxing info regarding Acct # [redacted] Transunion advised me this item has been deleted aftere I disputed it in 9-2016. I was verifid paid in full & Payliance ansered the dispute to have it deleted.

Thank you for the opportunity to respond to the above-referenced consumer complaint. This complaint is in regards to a returned check made payable to [redacted] is a current merchant with Payiance authorizing Payliance to collect on returned checks...

made payable to the business. [redacted] forwarded the outstanding check to Payliance for collections on July 28, 2014 and a dunning notice was mailed to the consumer’s attention at the [redacted] S, St Petersburg, FL 33712 address associated with the returned check on August 5, 2014. The outstanding balance for the consumer’s account was eventually reported to the credit bureaus in October 2014 and, to date, no payments have been received by Payliance for this matter. In her complaint, the consumer claims she has been unable to contact [redacted]. In response, we have contacted [redacted] to confirm the validity of the debt and ensure the outstanding balance remained past due. Payliance has been informed that [redacted] no longer has records of the service provided to the consumer for which the returned check was written for. Further, [redacted] requested that Payliance cease collections on the account. To comply with both [redacted]’ and the consumer’s request, Payliance has canceled the collections account. Notices will be sent to Equifax, Experian, and Transunion on Payliance’s next scheduled update on April 25, 2017 to have the trade-line listing of the account deleted from the consumer’s credit history. We ask that the consumer please allow up to 30 days for this action to be reflected upon her credit report.

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

This complaint concerns a collections account for a returned check that was placed in collections at Payliance by the [redacted]) on December 13, 2016. A dunning notice was mailed to the consumer’s attention by Payliance on December 14, 2016 to the [redacted], Willcox, AZ...

85643 address associated with the returned check. The account was paid-in-full on March 10, 2017 and all collection activity concerning this matter has since been ceased. The account was initially reported as outstanding to the credit bureaus on February 24, 2017 and notices were sent to the credit bureaus on March 24, 2017 to update the account to a paid-in-full status with a $0.00 balance past due. In his complaint the consumer claims he was never notified of the returned check until Payliance mailed the December 14, 2016 dunning notice. Attached with this response is a copy of a letter the [redacted] mailed to the consumer on November 2, 2016 notifying him of the returned check and stating the account would be placed in collections if payment was not received. Because no payment was ever received by the [redacted] the matter was placed into collections at Payliance. Once the account remained outstanding in collections for an excess of 45 days, the account was reported to Equifax, Experian, and Transunion. To ensure the account is reporting as a paid item with a $0.00 balance, additional notices have been sent today to Equifax, Experian, and Transunion to update the account to accurately reflect a paid status. However, because the account was outstanding when initially reported, Payliance respectfully denies the consumer’s request to delete the account from his credit history. It 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.

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 Revdex.com to note the poor business practice of this agency as you are misleading people.

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 20 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 complaint. This complaint is in regards to a returned check made payable to [redacted] [redacted]. [redacted] forwarded the outstanding balance owed on the returned check to Payliance for collections on February 3, 2012...

and a dunning notice was mailed to the consumer’s attention at the [redacted] [redacted] address associated with the check. The outstanding balance was eventually reported to the credit bureaus on April 9, 2012. On January 6, 2015, Payliance received a notice of dispute the consumer filed with the credit bureaus concerning the collections account. In 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, 215. Later, on January 28, 2016, Payliance received a letter from the consumer offering a $38.00 settlement on the $151.71 outstanding balance. Payliance 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 them. Payliance 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 filed. Payliance once again verified the accuracy of the reported information. Other than the instances outlined above, Payliance has no record of additional communication with the consumer concerning this matter. In 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].

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]

Thank you for the opportunity to respond to the above-referenced consumer complaint. This complaint is in regards to a returned check made payable to the US Postal Service (USPS). The USPS is a current merchant with Payliance and Payliance is under contract with the USPS to collect on returned...

checks made payable to USPS locations. Each USPS location has, at the point of sale, a returned check notice posted. This notice states that in return for accepting payments by check, the check-writer understands that if the check returns, a $30 return fee will be incurred and the check may be forwarded to a collection agency for recovery of the full balance. The notice further states all returned checks will be electronically re-presented to the check-writer’s account for payment as well as the incurred $30 fee. The USPS forwarded Mr. [redacted]z’s check to Payliance for collections on January 25, 2017 and a dunning notice was mailed to the consumer on the same day. Payliance also re-presented both the face amount of the returned check and the returned check fee to the consumer’s account on January 25, 2017. Payliance’s attempts to re-present the outstanding balance to Mr. [redacted]’s account returned unsuccessful. On February 14, 2017, the consumer called the Payliance Collections Department and stated he received the January 25, 2017 dunning notice. Mr. [redacted] inquired about Payliance’s re-presentment attempts. Payliance informed Mr. [redacted] of the re-presentment process as well as the presence of the appropriate returned check notice on display at each USPS location. Mr. [redacted] informed the Payliance representative that he would be mailing in a check payment for the outstanding balance. On March 14, 2017, Payliance had not received the consumer’s payment and the Payliance Collections Department attempted unsuccessfully to contact the consumer via telephone. The Collections Department attempted unsuccessfully again on March 27, 2017 to call the consumer. On March 31, 2017, Payliance received the consumer’s check payment for the balance-in-full. However, the check payment was returned for “Stop Payment” and the consumer’s outstanding balance was placed back into collection. On April 12, 2017, the Payliance Collections Department again attempted to contact the consumer via telephone but was unable to speak with the consumer. On April 17, 2017, the consumer contacted the Payliance Disputes Department and requested a credit deletion of his outstanding account in return for payment-in-full. Mr. [redacted] was informed that Payliance would not agree to delete the credit listing of the account in return for payment but that the account would be updated to reflect a paid status with a $0 balance once payment-in-full was made. During this call, Mr. [redacted] also claimed that he had previously requested that Payliance cease attempting to contact him via telephone. The consumer was informed that Payliance had no record of the alleged request to cease communication attempts. His account was then placed in a “disputed” status to prevent any communication attempts going forward. On April 18, 2017, Mr. [redacted] emailed the Payliance Collections Supervisor alleging that he had never received a dunning notice for his collections account. The Collections Supervisor emailed Mr. [redacted]z back requesting he contact the Payliance Collections Department in order to discuss the matter further. On April 24, 2017, the consumer contacted the Payliance Collections Department and paid the account in full. Mr. [redacted] was informed by the Payliance representative that the account would be updated to reflect a paid-in-full status with the credit bureaus. On April 25, 2017, Payliance mailed Mr. [redacted] a receipt for his payment and the account was updated to reflect a paid-in-full status with Equifax, Experian, and Transunion. On May 5, 2017, the consumer again called the Collections Department and claimed he never received the April 25, 2017 receipt. Payliance mailed him an additional receipt the same day. Attached with this response is an additional Payliance receipt for Mr. [redacted]’s April 24, 2017 payment. In response to this complaint, we have contacted Equifax, Experian, and Transunion to confirm the account is reporting accurately. Transunion and Experian have stated the consumer’s account has been deleted as of April 2017 and is no longer reporting with them. Equifax has stated the consumer’s account has been reporting as paid-in-full as of April 26, 2017. As stated above, on Mr. [redacted]’s February 14, 2017 call to Payliance, Mr. [redacted] claimed he received Payliance’s collections notice. If Mr. [redacted] would like to listen to the recording of this telephone conversation, he may contact the Payliance Collections Department and request to speak with the Collections Supervisor who will be able to play the recorded call for him. Further, it was not until April 17, 2017 conversation between the consumer and the Payliance Disputes Department that the consumer officially requested Payliance cease contacting him via telephone. Payliance has no record of the consumer requesting a cease communications before this date and the only previous conversation Payliance had with the consumer was the February 14, 2017 phone call. At no point in the February 14, 2017 conversation did the consumer request cease communications. If Mr. [redacted] would like to verify this himself, he may contact the Payliance Collections Supervisor to listen to the recording of the February 14, 2017 call.

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 complaint
This complaint is in regards to collections
accounts for two
returned checks written to [redacted] #Payliance is under contract with
[redacted] #to collect on returned checks made payable to the business
[redacted] #was provided with a returned check policy notice to be posted
at the point of saleThis notice states that in return for the merchant
accepting a consumer's check, the consumer authorizes the merchant or its agent
to electronically re-present the face amount of the check as well as a state
allowed returned-check fee to the consumer's bank account if the check returns
unpaid after the initial presentment
Upon receipt of this complaint, Payliance contacted [redacted] #to confirm that a returned check policy notice is posted[redacted]
#confirmed that they did not have a notice posted when the consumer's
checks were writtenIn light of this, Payliance has mailed returned check
policy notices to [redacted] #to be displayed at the point of sale
Because there was not a returned check policy notice posted
when the consumer wrote her checks, Payliance has agreed to reimburse Ms
[redacted] for her incurred bank overdraft fees as a result of Payliance's
re-presentment attempts on behalf of [redacted]We request that Ms[redacted]
provide Payliance with a copy of her bank statement demonstrating the overdraft
fees she incurred from the re-presentmentsShe may send this requested
documentation to Payliance by mail at Easton Oval, Ste 210, Columbus, OH
43214, by fax at 614-259-2059, or by email to [email protected] we
have received the requested statement, Payliance will credit the consumer the
amount of her overdraft fees back to her bank account
Payliance has also waived the remaining returned-check fees
for both accountsMs[redacted]'s accounts are currently paid-in-full and all
collection activity regarding the accounts has been ceased
Please feel free to contact us if we can be of further
assistance

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 made payable to the [redacted] on December 31,
The check was written for the rental of the consumer's post office box
for but was returned unpaid by the consumer's bank on January 13, Payliance
is under contract with the [redacted] to collect on returned checks and payments made
payable to the [redacted]Each [redacted] 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
In response to the consumer's complaint, Payliance has
verified with the [redacted] corporate office in [redacted] that the balance for the
returned check for the post office box is still outstandingThe [redacted] states
that they allowed the consumer's post office box to remain open in error as the
box should have been closed once the check returned unpaid
Because the [redacted] has verified that
the balance for the consumer's account remains outstanding, Payliance
respectfully denies the consumer's request to remove the account from
collectionsFor questions or payment options on their account, we ask that the
consumer contact the Payliance Collections Department at ###-###-####
Please feel free to contact us if we can be of further
assistance

Thank you for the opportunity to respond to the above-referenced consumer complaint. If 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 fraud. Should Payliance receive the requested proof of fraud, the accounts will be canceled from collections and the credit bureau listings of the accounts will be deleted. It 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 payment. As 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, 2017. Payliance respectfully denies the consumers’ request to remove the accounts from their credit histories in return for payment.

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Address: 2612 Jackson Ave W, Oxford, Mississippi, United States, 38655-5405

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