Payliance

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 collect. The issue is, however, that the check and the collections account are not in [redacted] name but a name...

unrelated to his. Due 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 ago. Is 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 complaint
In this complaint, the consumer states that
Payliance has
debited his account without his prior authorization and he has no idea what the
debit is in regards to
Payliance provides payment processing services related to
the collection of debtWe process these payments on behalf of creditors, who
have obtained the consumer's authorization to debit their bank accountWhen
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
This particular transaction was processed on behalf of Cash
CentralIf Mr[redacted] would like to dispute these charges or his arrangement
with [redacted], he will need to resolve the issue directly with them as
Payliance is only the processor of transactions on [redacted]'s behalfPayliance
has notified [redacted] of Mr[redacted]' dispute and we have cancelled all
future debits to Mr[redacted] that had been submitted by [redacted] as of the
date of this dispute
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 three returned checks sent to Payliance for collections by the [redacted] ([redacted]). Two checks, #[redacted] and #[redacted], were written from an account belonging to [redacted]....

The third check, #[redacted], was written from an account belonging to [redacted] Jr. and [redacted]. The collection accounts concerning checks #[redacted] and #[redacted] have been paid-in-full as of 2015 and neither account was reported as outstanding to the credit bureaus. The account concerning check #[redacted], however, remains outstanding with a $152.50 balance past due. Payliance records indicate the balance for check #[redacted] was reported to the credit bureaus on April 8, 2016. Payliance received the returned check #[redacted] for collections from the [redacted] on April 1, 2015 and the outstanding balance was successfully re-presented to the corresponding [redacted] checking account and the balance for check #[redacted] has been paid-in full as of April 14, 2015. Payliance received the returned check #[redacted] 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]. The returned check #[redacted] belonging to [redacted] and [redacted] was received by Payliance on February 8, 2106 and currently remains outstanding. In 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] Office. The [redacted] Corporate Office confirmed the outstanding balance for this matter remains past due. The [redacted] further claims to have found no records of a conversation with the consumer concerning the consumer’s credit. If 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 review. If the consumer would like to discuss this matter directly with the [redacted], 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.

Dear [redacted]
Thank you for the opportunity to respond to the
above-referenced consumer complaint
This complaint is in regards
to six outstanding collection
accounts under the consumer's name at Payliance[redacted] alleges that he has
contacted Payliance on two occasions in order to obtain more information
regarding the collections but Payliance was unable to locate or verify the
accounts
Each of the consumer's accounts is currently in a disputed
status due to inquiries and disputes the consumer had submitted to the credit
bureaus in March and April of and again in January of Payliance has
verified the information on the accounts with the credit bureaus in response to
each inquiry
On January 7, 2014, the consumer called and spoke with a
Payliance representative regarding collection items on his credit history
Unfortunately, the Payliance representative was only able to locate two of [redacted]'s accounts at the timeOther than the January 7, phone call,
Payliance has not had any direct contact with the consumer
Letters of validation have been mailed to [redacted]
today, February 20, 2015, for each of his six accounts to the address provided
in the complaintEach letter contains a copy of the returned check and an
explanation of the account and balance owedIf the consumer feels that these
items do not belong to him or that he is not liable for the accounts, the
letters contain instructions on what is needed to resolve the matter
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. As stated in our initial response, the first of the consumer’s outstanding accounts was initially reported to the credit bureaus on October 24, 2011 and the final account received was initially reported on August 7, 2015. The consumer did not contact Payliance to arrange payment for the accounts until September 16, 2016. 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 bureaus. Once an account received by Payliance remains outstanding in collections for a period of 45 days, the balance is reported to the credit bureaus unless the account has been disputed or paid-in-full. Payliance respectfully denies to consumer’s request to delete the credit bureaus listings of his 9 outstanding accounts. To 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.

This collection agency did NOT provide proof of legal ownership of this account, letter of assignment, FCRA section 623 compliance OR their surety bond and license number for me to present in filing complaints to the state collection regulator and Attorney Generals Office. The obvious disregard for the FDCPA when I mailed cease and desist to them stating they are to stop all harassment including calls, and deletion of the account from credit as FDPA states that is continued attempt to collect a debt. It is obvious after speaking to the office of dispute in the [redacted] and also the collection and billing department that this collection is NOT in compliance to the FDCPA and FCRA and are ignoring my rights as a consumer. I want the collection license number and surety bond and proof of legal ownership and right to collect and report. This account is to cease ALL contact collection and be deleted per FDCPA at once.

Thank you for the opportunity to respond to the above-referenced consumer complaint. As stated in Payliance’s previous response, Transunion had deleted the account #[redacted] due to their own internal policy decision in September of 2016—Payliance has never requested a deletion of the account #[redacted] from the credit bureaus nor has Payliance received or reported any payments for account #[redacted]. Currently, there is no account #[redacted] under the consumer’s name at Payliance. The Transunion credit report the consumer has provided with her rejection response is dated January 22, 2016 and is no longer accurate--Transunion has since deleted the account #[redacted] from Ms. [redacted]’s credit history as stated by both Ms. [redacted] and Payliance in the December 21, 2017 complaint response. Again, Payliance did not initiate or request the deletion of the account #[redacted] from Transunion. Transunion opted to remove the account from their records on their own volition. The account remains reporting as an outstanding, disputed account to Equifax and Experian.

I do not agree that I still owe any money.  Also, the statute of limitations for South Carolina has been reached.   You can no longer collect for this debt.  
Regards, [redacted]

unity to respond to the above-referenced consumer complaint. This complaint is in regards to an outstanding balance that were sent to Payliance for collection from [redacted] – [redacted] for an April 1, 2016 debit attempt by [redacted] that was returned for insufficient funds. Payliance is currently under...

contract with [redacted] – [redacted] to collect on returned debit attempts for [redacted] customers. When [redacted]’s customers agree to allow [redacted] to debit their bank account for the monthly tuition fee, they sign an authorization form that permits [redacted] to initiate these debit attempts. This authorization form states that if a debit attempt is returned unpaid, then the customer understands that the debit amount and a state-allowable returned payment fee will be re-presented to their account. In the complaint, Ms. [redacted] alleges Payliance re-presented the $130.00 tuition balance twice and the $30.00 return fee once. [redacted] attempted the original debit on April 1, 2016. When this debit attempt returned, the balance and the returned payment fee were forwarded to Payliance for collections on April 4, 2016. Payliance then re-presented the tuition balance and return fee to Ms. [redacted]’s account on April 4, 2016. Payliance attempted to debit the consumer’s account only one time each for the $130.00 tuition balance and the $30.00 fee. Both of Payliance’s debit attempts returned unpaid for insufficient funds. On April 7, 2016, [redacted] – [redacted] contacted Payliance and canceled the account from collections. Because Payliance had already submitted the re-presentments to Ms. [redacted]’s account, Payliance could not stop the debits from taking place. Payliance has since ceased all collection activity regarding this matter. When [redacted] sent the consumer’s outstanding balance to Payliance for collections, Payliance exercised the powers Ms. [redacted] authorized via the authorization form she signed with [redacted]. Even though [redacted] eventually canceled the account from collections, Payliance was not informed in time to prevent the debit attempts from taking place. However, in order to resolve this matter, Payliance has agreed to credit Ms. [redacted] the $140.00 of overdraft fees she alleges she incurred directly to her bank account. We ask that Ms. [redacted] allows up to 5 business days for these funds to appear in her account. Please feel free to contact us if we can be of further assistance.