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Van Ru Credit Corporation

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Reviews Van Ru Credit Corporation

Van Ru Credit Corporation Reviews (43)

June 1, "Times New Roman [redacted] Re: May 23, Complaint [redacted] Dear [redacted] Van Ru keeps detailed records regarding our collection efforts with consumers in order to provide superior service not only to our clients but to consumers as wellWe have reviewed your complaint along with our records on the account at issueWe would like to provide you with the following information, which we believe will serve to resolve your complaint In November you spoke with a representative and agreed to enter the rehabilitation program As part of qualifying for the program we need to receive timely payments, documents supporting the verbal financial information we received during program sand the program requires the rehabilitation agreement letter to be signed and returned Payments were only received through February 25, and the supporting documents validating the payment were not received Subsequently, in July 2015, the account was initiated for wage garnishment Hearing documents were received but were not submitted timely, documents requested as part of the hearing process were not included with the hearing request forms thus the hearing was denied We regret any vague comments made by our representative during a call on September 3, 2015, however our records do indicate you spoke with a second person that day and that representative accurately advised you regarding the status of the account We remain willing to work with you to resolve your account Please feel free to contact [redacted] Director of Consumer Advocacy, at [redacted] and he will be happy to work with you to resolve any concerns you may have and your account as well Sincerely, [redacted] Corporate Compliance Manager Van Ru Credit Corporation This communication is from a debt collector

Good Morning, We have received the recent complaint from [redacted] Unfortunately we are unable to locate the account at issue with the information provided Nonetheless, we can assure [redacted] we were not on a phishing for information We have the consumers data but we ask contacted parties to verify their identity so that we avoid violations of third party disclosure laws that govern our industry.Should [redacted] have any further concerns I can be contacted at [redacted] Regards, [redacted] Corporate Compliance Manager Van Ru Credit Corporation

I just got off the phone with Van RuSpoke to a female agent that answered the line, was asking questions, she says hang on, puts me on holdDidn’t ask my permission, didn't tell me whyTransferred me to a supervisorWhile talking to the supervisor, he repeatedly interrupted me while I was talkingwas completely rude in his toneWould not help in anyway when I asked how I could request information because he wouldn't tell me anythingHe finally said he'd mail me something if they could find anythingI still don't even know what this so called "debt" is forI work in customer service, I know what to expect and how to be treatedThis is the wrost experience I've ever had in my lifeI'm disgusted

To Whom It May Concern, Thank you for your email dated August 29, and the opportunity to respond to the concerns of the consumerOn August 22, our client, Seventh Avenue, placed an account with our office to collect a past due amount At that time we mailed our first notice to the consumer indicating the account had been assigned We received no response We note that the phone numbers provided with the complaint have not been dialed by Van [redacted] as the numbers are not in our system Further, on the dates referenced in the complaint the account was not yet assigned to Van **.Nonetheless, we have documented the account at issue for no further telephone calls Should the consumer wish to discuss the matter further I can be reached at 800-***- [redacted] x***Regards, Michael [redacted] Corporate Compliance Manager Van [redacted] Credit Corporation

Re: [redacted] Dear [redacted] We apologize for any confusion that may have occurred When we speak to consumers we attempt to verify we have reached the correct party by verifying specific identifying information to avoid violations of third party disclosure laws that govern our industry Unfortunately there was a slight discrepancy between your social security number and the one we received from our client therefore we needed to correct our records before moving forward on the account It is my understanding that we spoke with you yesterday and a payment arrangement has been agreed upon We appreciate your patience Should you have any further concerns please feel free to contact me at [redacted] Regards, [redacted] Corporate Compliance Manager Van Ru Credit Corporation

Tell us why hereMarch 7, Revdex.com Re: [redacted] [redacted] To Whom It May Concern: We have received your letter dated February 17, and appreciate the opportunity to respond to the concerns of the consumer On August 29, based on financial information obtained verbally, the consumer agreed to make payments toward the rehabilitation program To qualify to have loans rehabilitated the payment amount needed to be validated with documentation and the consumer needed to make nine qualifying payments over a ten month period and continue to make monthly payments until being notified of successful rehabilitation The consumer authorized payments through May 15, Throughout the months after agreeing to rehabilitate Van Ru sent several letters and placed phone calls to obtain the necessary paperwork to validate the payments All authorized payments were run as agreed however we could not continue to take payments beyond May 15, as we had no authorization to do so and were not successful in contacting the consumer to obtain additional payments or the paperwork to validate the payment amount On October 27, 2015, five months after the last payment had been made we received documentation however the consumer had already fallen out of compliance with the program On February 11, the consumer contacted our office concerned over the lack of follow up on our behalf We explained that at the time the paperwork was received the account was no longer in compliance with the program When pressed with questions concerning our alleged lack of follow up our representative explained that attempts were made to keep the account in compliance with the program however we did not receive responses from the consumer to letters and calls Our review did not identify where the representative was rude or pushy with the consumer however they were not in agreement on the way the matter could have been handled which may have been perceived as rude We regret any misunderstanding that occurred during the conversation on February 11, As the consumer has requested not to work with Van Ru we have placed the account on hold and will request the account be recalled by our client Should you have any additional questions or concerns, please contact me at [redacted] Sincerely, [redacted] Corporate Compliance Manager Van Ru Credit Corporation 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

Thank you for your email and the opportunity to respond to the concerns of the consumer. Our records indicate that we first spoke with Ms*** on December 28, 2015. In order to protect the privacy of consumers and to avoid violations of third party disclosure laws that govern
our industry we attempt to verify that we are speaking to the correct party prior to discussing the details of an account by attempting to verify the name and partial social security number or date of birth. Ms***, as is her right, did not acknowledge her name and requested no further phone calls. The account was noted accordingly for no further phone calls as requested.Should you wish to discuss the matter further you may contact *** *** our Director of Consumer Advocacy at *** ***
Regards,
*** ***
Corporate Compliance Manager
Van Ru Credit Corporation

Van Ru is a scamThey claim to be collecting for the department of education, but when I spoke with the department of education they advised me that Van Ru IS NOT one of the companies they have handling my loansDespite the fact that I have informed Van Ru about this they still insist on calling and harassing meTHIS COMPANY IS FRAUDULENT

Complaint: ***
I am rejecting this response because:
Please make a note in your file and on the Revdex.com website that you first tried to get my social security number from the person that answered the phoneWhen that person told you they would not give out that information over the phone, your representative asked for it againI then took over the phone conversation with your rude representative and explained exactly why that information is not to be given out over the phone, and yes to no longer call because you do not have the correct individualIf you state that you try to secure you are speaking with the correct individual then you should not have asked for a social security number from any other individual at the number you are calling That is unethical business practice on your company's part.
We have been warned over and over to never give out personal information over the telephone~your company should know betterAlso, you had until yesterday, January 11, to resolve this......It is January 12, 2016, you're a day late in your response
Sincerely,
*** ***

Complaint: ***
I am rejecting this response because:While some of that information is accurate, you are once again painting yourself in the right light- taking no ownership for your own failure to follow through on several key points
1) I did not ONLY agree to pay until MayThere was no end date set on my payments I agreed to a monthly amount of $5, to be withdrawn from our account to pay our debtYou decided to stop that in May and to make no mention of that2)*** *** ** *** had no documentation of us even being in the rehabilitation program or that we made over consecutive paymentsThey informed us that you guys made no notes or updates to our file.
3) The last phone call you made was on August At that time, I asked you to call back in the evening because you asked for my husband and he was not homeAnd no one called backThat was the last we heard from you.
4) When I sent the information needed with the paperwork in October (yes it was late- I just had a child & with little ones life is hecticI am owning my part) - No one contacted us about the paperwork (that you agree was received)Did you not want me to pay my debt? That is really confusing to me that a debit collector- didn't want my money.
5) If you don't consider your representative talking as fast as he can, over talking me, interrupting me and taking no ownership for the points I mentioned above then you both have poor customer services skillsIts rude!
I would love for you to see how the things I mentioned above would lead me to conclude that things were still in good standingSince we had not heard back from you about needing anything more on our endImagine our surprise when our full tax refund is offset to pay this debt
And Im sure your company didn't benefit a dime from that.
This isn't a Im right and you are wrong hereI've admitted my wrongs and Im suffering the consequences of falling behindBut as a business - when you fail to provide quality customer care- regardless of your profession, collections or nothave enough integrity to own it and make things right
Sincerely,
*** ***

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and find that this resolution is satisfactory to meHowever, in reviewing the initial "Collection" notice, that statement was hidden on the bottom of the notice and just spoke about lawsuits not being applicable. I did dispute this with the collector- however, since they are stopping collection activities- I am satisfied since I am pretty certain they "purchased" the debt for pennies on the dollar and they know it is not legal to collect that debt
Sincerely,
Mary ***

Re: Justin ***
To Whom It May Concern,
We have received the complaint regarding the above referenced consumer. We appreciate the opportunity to respond to the concerns of the consumer. The account at issue was assigned to Van Ru on April 3, for
collection of a past due amount. Since that time our records indicate five telephone calls to the number ending *** and one resulted in contact. On December 13, we spoke to a consumer that did not wish to verify the last four digits of his social security number and he also requested no further calls. The account was documented accordingly and no further calls have occurred.We note that we do request that consumers verify a partial social security number to ensure we have reached the correct party before discussing the details of a call to prevent violations of privacy laws that govern our industry.
Regards,
Michael ***
Corporate Compliance Manager
Van Ru Credit Corporation

Thank you for your letter dated December 14, and the opportunity to respond to the concerns of the consumer. Our records indicate no phone contact. However, we did send a first notice to the consumer advising of who we were and who we represent. Based on the complaint we
have documented the dispute in our records and forwarded a copy to our client. The account is no longer assigned to Van Ru.Regards,
*** ***
Corporate Compliance Manager
Van Ru Credit Corporation

I received a letter demanding payment of a modest amount without providing information on the creditor When I called for more information and offered their file number on the correspondenceI was told no information would be provided unless I gave my name, date of birth and home mailing address I refused because their letter was sent to an address I doubt I would ever give a medical care provider This appears to be an attempt to get information for identity theft

On September 13th, at 10:AM (EST)- Tony *** ** *** called my personal cell phone number looking for a family memberIt is the best of my knowledge after researching Van Ru, that in they were forced to settle a lawsuit for calling people with account information which wasn't belonging to themTony KNEW he was calling me because he referred to me BY NAMETHIS BUSINESS SHOULD NOT BE HUNTING DOWN FAMILY MEMBERS PERSONALLY AND SHARING ACCOUNT INFORMATIONIT IS ILLEGALPlease note that word again: ILLEGALI informed Tony that my number does not belong to the family member he is asking for and that I'd appreciate Van Ru not going to extremes to ILLEGALLY contact meHe said he would take my number out of the system - A PLACE IT SHOULD HAVE NEVER BEEN!!! When I was hung up on, I did some research on the illegal activity of this company and discovered a lawsuit for the SAME ILLEGAL ACTIVITY Tony chose to partake in that dayI then called back immediately to ensure I was on a recorded line with Tony and informed him to note in the system that I would be reporting this incident with the Revdex.comThis is ridiculousSomething needs to be done because even the initial call is HARASSMENTWhich is again --- ILLEGALIf nothing is done about this, I will be contacting an attorney and filing harassment charges against Van RuIn fact, I may just do it anyway for good measure since it seems they don't learn from the costly settlement they had to pay out in The fact that he asked for me by name, knowing that he wasn't even supposed to be calling my PERSONAL number after hunting down my PERSONAL information and giving me someone else's PERSONAL information is ILLEGALIt is harassment of not just me but violates someone else's right to financial privacywhich isdrum rollILLEGAL as well

Dear *** ***
We appreciate being made aware of your concerns regarding the handling of an account. We apologize for the continued letters being sent to your residence. Our records indicate we documented the phone number ending *** for no further calls.
However, during the contact when you requested no further calls the address issue was not discussed thus we were not aware that we also had the wrong address. Our records further do not indicate that we made any threats regarding your credit. Nonetheless, we apologize for the calls and letters and have documented the account at issue for no further contact to your phone number or address.Should you require any additional information please feel free to contact me at *** ***
Regards,
*** ***
Corporate Compliance Manager
Van Ru Credit Corporation

Re: Mary J***
To Whom It May Concern:
Thank you for your letter dated November 7, and the opportunity to respond to the concerns of the consumer. Our client, a servicer to the original creditor placed the account at issue with our office for collection of
a past due amount on September 21, 2016. At placement we mailed our first notice to the consumer which includes a disclosure regarding the age of the debt. Unfortunately, we have not received the dispute that Ms*** states she mailed after receipt of our initial letter. Nonetheless, we have now received notice of the dispute and will document our records accordingly. As requested in the complaint we have documented the account at issue for no further communication.
Regards,
Michael ***
Van Ru Credit Corporation

Initial Business Response /* (1000, 8, 2015/05/14) */
Re: *** ***
To Whom It May Concern:
Thank you for your letter dated May 1, and the opportunity to respond to the concerns of the consumer
We do not agree that the phone calls were constant or that we attempted to
coerce Mr*** into paying his student loans
Our client, the US Department of Education, assigned the accounts to us for collection of a past due amountA letter was mailed to Mr*** stating such in January Van Ru does not add any fees to accountsAll sums for collection are directed by the US Department of EducationAt no time did we call Mr*** a *** however we did attempt to explain any discrepancies between the balance our client placed with our office and the balance Mr*** was referencing
On May 1, Mr*** requested no further communication and no further contact has been madeThe account has been placed in a cease communication disposition
Regards,
*** ***
Van Ru Credit Corporation
Initial Consumer Rebuttal /* (3000, 10, 2015/05/14) */
(The consumer indicated he/she DID NOT accept the response from the business.)
I can show where they called my phone four or more times a day until I blew up on themThey added collection fees to my total amount owed and I can prove that as wellI never received a letter from them at any time
Final Consumer Response /* (4200, 16, 2015/06/03) */
(The consumer indicated he/she DID NOT accept the response from the business.)
So they don't consider calling upwards of five times per day starting at 8a.mAnd not stopping until 10p.mOn multiple days in a row not constantTechnically anything g more than once per day is harassmentAnd the federal government does not add collection fees to student loan accountsI checked in that one tooI have spoken with the originators of the student loans and they did not add any fees to the loanI know this because I was able to talk to the originators due to my loans being consolidated for payment and they do not add fees for collections
Final Business Response /* (4000, 18, 2015/06/15) */
Re: *** ***
To Whom It May Concern:
We regret that you were dissatisfied with frequency of the contact attemptsOnce we were advised of that dissatisfaction we ceased the activity with which you were displeasedWe apologize for any inconvenience the contact attempts may have caused
As previously stated Van Ru does not add fees to accounts, any fees that are added are done at the instruction of our clientShould questions remain regarding this matter please don't hesitate to contact me at XXX-XXX-XXXX x***
Regards,
*** ***
Van Ru Credit Corporation

November 2, 2015RevDex.com
NWabash Avenue, Suite 3120Chicago,
IL
*** *** *** *** *** *** *** *** ***To
Whom It
May Concern:Thank
you for your letter dated October 14, 2015. We appreciate the opportunity to respond to the concerns of the consumer
and we apologize for the delay in responding to your inquiry.As
indicated in letters sent to *** *** our client has assigned accounts to
our office for collection of a past due amount. It is our understanding based on the complaint that *** *** believes
we have contacted the wrong person.Based
on the request in the complaint we have documented the account at issue for no
further contact. Should *** *** wish
to contact us to obtain further information to verify the loans at issue are
not his he may contact us at *** ***Sincerely,*** ***Director
of Corporate ComplianceVan
Ru Credit CorporationThis is a
communication from a debt collector

To Whom It May Concern,
Thank you for the notice dated February 8, and the opportunity to respond to the concerns of the consumer. In an effort to contact an account holder it appears we contacted the complainant in error. We note that we do not agree with the frequency of
calls alleged in the complaint. Our records indicate we obtained the phone number ending on January 5, 2016. Between receipt and today our records indicate a total of five phone calls were placed to the number at issue. The phone number has been documented for no further phone calls.
Regards,
Michael ***
Corporate Compliance Manager
Van Ru Credit Corporation

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Address: 8550 Ulmerton Rd Ste 225, Largo, Florida, United States, 33771-5351

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