Van Ru Credit Corporation

Initial Business Response /* (1000, 5, 2015/01/19) */
RE: *** ***
Dear Ms***
Thank you for your letter dated January 9, regarding Ms*** and her experience with our company
We regret any misunderstanding that may have occurred regarding the documentation
required to validate payments toward the rehabilitation programWe want to work with Ms*** to ensure the matter is resolved in a satisfactory manner and, pending payment validation, the account is rehabilitated as planned
We have assigned the matter to *** *** our Director of Consumer Advocacy, to reach out to Ms*** and reach a resolutionMs *** may also contact MrPage at XXX-XXX-XXXX x***
We look forward to resolving the matter
Regards,
*** ***
Director of Corporate Compliance
Initial Consumer Rebuttal /* (3000, 7, 2015/01/20) */
(The consumer indicated he/she DID NOT accept the response from the business.)
I spoke with *** *** on January 8th from VanRuI called them to see what was going on after speaking with the Deptof Education*** stated she was sending out the info they needed *** As of today, January 20th, I have NOT received anything from themIt should only take a few days to receive something from *** So I have no idea why they continue to lie to me about what they are doing except that the Deptof Education is paying themThey DO NOT follow through with things they sayWhich makes it impossible for me to follow through on my partI have made consecutive payments, the payment amount they specified, every month since January
Final Business Response /* (4000, 11, 2015/02/03) */
Re: *** ***
Dear Ms***
As previously stated we are aware that the January contact did not result in the needed resolutionNonetheless, we would appreciate if Ms*** could reach out to *** *** our Director of Consumer Advocacy and we can ensure that all of the proper information is conveyed to ensure the account is resolvedMr*** can be reached at XXX-XXX-XXXX x***
Regards,
*** ***
Van Ru Credit Corporation

Tell us why hereMarch 7,
"Times New Roman",serif">
Revdex.com
Re: [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, 2016. 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

Initial Business Response /* (1000, 5, 2015/01/22) */
RE: [redacted]
Dear Ms. [redacted]
Thank you for your letter dated January 12, 2015 and the opportunity to respond to the concerns of the consumer.
On January 15, 2015 we received a dispute letter from Ms. [redacted] dated January 6,...

2015. Upon receipt of the dispute the account at issue was documented as a dispute which prevents collection activity until the requested information has been sent. Upon receipt of the debt validation information it will be provided to the account holder and no further activity will occur until that has been sent.
Regards,
Michael [redacted]
Van Ru Credit Corporation

To Whom It May Concern;
 
Thank you for your inquiry dated January 21, 2016 and the opportunity to respond to the concerns of the consumer.  Our records indicate that Ms. [redacted] did pay as agreed and as indicated in the complaint summary.  A clerk reopened the...

account at issue to perform a function and neglected to reclose the account after completing his objective resulting in the letter being sent to Ms. [redacted].  The account at issue was closed in our office as settled on October 30, 2015 and the same was reported to our client.  We have again closed the account as it is paid.  We apologize for any inconvenience this may have caused the consumer.Should Ms. [redacted] have any additional concerns I can be reached at [redacted]
Regards,
[redacted]
Corporate Compliance Manager
Van Ru Credit Corporation

Initial Business Response /* (1000, 7, 2014/06/10) */
In response to your concern, the original agreed upon arrangement will be honored to rehabilitate the loan. Please do not hesitate to contact [redacted] Contract Administrator at Van Ru Credit Corporation, with any further questions...

or concerns. Mr. [redacted] can be reached at XXX-XXX-XXXX extension [redacted]

To Whom It May Concern,
 
We have received the complaint dated January 6, 2016 and appreciate the opportunity to respond to the concerns of the consumer.
Prior to initiating wage garnishment a notice is sent to the consumer to give them an opportunity to object to the...

garnishment and request a hearing to determine if the garnishment will cause an undue hardship.  Our records indicate the notice was sent to Ms. [redacted] on March 9, 2015.  We have no record of the mail being returned or a hearing being requested.  Nonetheless, we will be resending the hearing packet to the consumer so that she may request a hearing which may result in the garnishment being suspended.  We ask that upon receipt of the documents Ms. [redacted] follow the instructions to request the hearing.  Should Ms. [redacted] have any questions regarding the documentation she may contact [redacted] manager, at [redacted] 
Regards,
[redacted]
Corporate Compliance Manager
Van Ru Credit Corporation

Initial Business Response /* (1000, 5, 2015/04/08) */
RE: [redacted]
Dear Ms. [redacted]
Thank you for your letter dated March 30, 2015 and the opportunity to respond to the concerns of the consumer.
Unfortunately, with the information provided we have been unable to identify the...

account at issue. We note however that we have added the phone number ending [redacted] to our internal do not call database.
Regards,
[redacted]
Van Ru Credit Corporation

To Whom It May Concern,
Thank you for your email dated August 29, 2016 and the opportunity to respond to the concerns of the consumer.
On August 22, 2016 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 ** 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. [redacted].
Regards,
Michael [redacted]
Corporate Compliance Manager
Van ** Credit Corporation

I just got off the phone with Van Ru. Spoke to a female agent that answered the line, was asking questions, she says hang on, puts me on hold. Didn’t ask my permission, didn't tell me why. Transferred me to a supervisor. While talking to the supervisor, he repeatedly interrupted me while I was talking. was completely rude in his tone. Would not help in anyway when I asked how I could request information because he wouldn't tell me anything. He finally said he'd mail me something if they could find anything. I still don't even know what this so called "debt" is for. I work in customer service, I know what to expect and how to be treated. This is the wrost experience I've ever had in my life. I'm disgusted.

RE: [redacted]
To Who It May Concern;
We have received the recent complaint submitted through the Revdex.com.  We appreciate the opportunity to respond to the concerns of the consumer.  On February 9, 2016 [redacted] contacted our office and offered to...

pay 20% of the debt at issue.  Unfortunately, during this conversation [redacted] never provided a dollar amount and when our representative repeated $1600 on multiple occasions he was incorrect and the accuracy of the amount was not corrected during the conversation which lead to the misunderstanding and the letter being sent for a different amount than expected by Mr. [redacted].We apologize for any misunderstanding that may have occurred and are sending a corrected settlement offer letter to Mr. [redacted].  We note that the balance is assigned by our client and Van Ru does not add any additional charges of any kind to the account.
Should Mr. [redacted] have any additional questions or concerns he may contact me at [redacted] as we remain committed to consumer satisfaction.
 
Regards,
[redacted]
Corporate Compliance Manager
Van Ru Credit Corporation

Initial Business Response /* (1000, 7, 2014/06/16) */
RE: [redacted]
Dear Ms. [redacted]
We have received your letter dated June 3, 2014. Our records indicate letters were sent to Ms. [redacted] on June 2, 2014 and again on June 3, 2014. If the consumer is not satisfied with the...

documents she received she may contact me at XXX-XXX-XXXX [redacted] and I will be happy to assist in resolving any outstanding issues. We note that Van Ru does not credit report for the client at issue. We apologize for the delay in responding to the initial request.
Regards,
[redacted]
Van Ru Credit Corporation

Re: [redacted]
To Whom It May Concern,
We have received your inquiry dated October 5, 2015. We apologize for the delay in responding to your inquiry.
Our records indicate we left messages at the phone number ending [redacted] on several occasions during the month of...

September. We regret that we were unable to reach you to resolve the matter. As you have requested we will cease phone calls to ensure that no further contact is made with a third party to obtain location information.
Regards,
[redacted]
Corporate Compliance Manager
Van Ru Credit Corporation

Initial Business Response /* (1000, 5, 2014/04/07) */
Re: [redacted]
Dear Ms. [redacted]
We have received the complaint from the above referenced consumer and appreciate the opportunity to respond to his concerns.
From December 11, 2013 thru January 27, 2014 it appears we dialed the...

phone number at issue, XXX-XXX-XXXX, thirteen times. On January 27, 2014 we were advised we had contacted a wrong number and we ceased calls to the number at issue and no further calls have been placed.
Regards,
[redacted]
Van Ru Credit Corporation
Initial Consumer Rebuttal /* (3000, 7, 2014/04/07) */
(The consumer indicated he/she DID NOT accept the response from the business.)
I have answered thier calls the 13 times they mention. That is not the total number of calls they have made to me. Yes they are correct in stating that they reached the wrong person, however they continue to call and harass me as well as mail me threatening letters. I want all communication to cease or I am going to the states atty for harrasment and fraud. I have spoken to [redacted] Card thinking that they were giving them the wrong info, and they informed me that they do not deal with this company at all, nor could they find the supposed account that Van Ru references. my supposed Van Ru acct number is XXXXXXXX to make sure they delete the proper info.
Final Business Response /* (4000, 11, 2014/04/25) */
RE: [redacted]
Dear Ms. Garcia,
The account at issue was closed in our office on April 7, 2014. we believe the matter has been resolved as we are no longer contacting Mr. [redacted] regarding VR number, XXXXXXXX.
Regards,
Van Ru Credit Corporation
Final Consumer Response /* (2000, 13, 2014/04/29) */
(The consumer indicated he/she ACCEPTED the response from the business.)
although ive been told this in the past, I will accept this. However, if they do ever contact me again, I will go immediately to a lawyer and file a harassment claim against them citing this file as proof they claimed to have removed my name and info from their files. I will then go to the attorney general demanding that they investigate them for shady business practices.

Initial Business Response /* (1000, 9, 2014/06/24) */
RE: [redacted]
Dear Ms. [redacted]
The account at issue was assigned to our office on June 4, 2014. Our records indicate one conversation on June 23, 2014 in which the consumer advised the account was included in bankruptcy. No...

further contact has been attempted. Van Ru has not credit reported and has not added any fees to the account. The account is currently in a cease communication status.
Regards,
Van Ru Credit Corporation
Initial Consumer Rebuttal /* (2000, 11, 2014/06/27) */
(The consumer indicated he/she ACCEPTED the response from the business.)
They are not telling the truth, they contacted me BEFORE June 23rd, why would they wait that long is they received it June 4th? I only accept this response if they hold true to having it in the cease to communicate. I find it hard to believe, but will give them a chance and accept the response. It better not show up on my credit report either. Thank you for helping me with this complaint.

June 1, 2016

"Times New Roman",serif; font-size: 11pt;">[redacted]
 
 
Re:       May 23, 2016 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 well. We have reviewed your complaint along with our records on the account at issue. We would like to provide you with the following information, which we believe will serve to resolve your complaint. 
In November 2014 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 set-up and the program requires the rehabilitation agreement letter to be signed and returned.  Payments were only received through February 25, 2015 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

Initial Business Response /* (1000, 5, 2014/03/14) */
RE: [redacted]
Dear Ms. [redacted]
I have been unable to identify the account at issue with the information provided. Perhaps "[redacted]" is the married or maiden name and we have the opposite. If provided with more identifying...

information, i.e. alternate names, or Van Ru account number, I would be happy to attempt to locate the account and respond to the concerns of the consumer.
Regards,
[redacted]
Van Ru Credit Corporation
Initial Consumer Rebuttal /* (3000, 7, 2014/03/14) */
(The consumer indicated he/she DID NOT accept the response from the business.)
The reason why they cannot locate me is because they are calling me by an incorrect name and I have requested numerous times for them to make the correction. They show my last name as Carter so the account is under [redacted] but I have never been [redacted] I was born [redacted] and have remained [redacted] for 40 years. I have also requested a copy of the promissory note which they have not provided and this has been requested several times.
Final Business Response /* (4000, 11, 2014/03/28) */
Re: [redacted]
Dear Ms. [redacted]
The account at issue is no longer active with Van Ru. The account has been returned to our client. We are not aware of any funds that were garnished illegally. Further it is not clear what judgment the consumer is referring to though as previously stated the account is no longer assigned to Van Ru.
Regards,
Van Ru Credit Corporation

June 9, 2016

"Times New Roman",serif; font-size: 11pt;">[redacted]
 
 
Re:       June 3, 2016 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 well. We have reviewed your complaint along with our records on the account at issue. We would like to provide you with the following information, which we believe will serve to resolve your complaint. 
On January 10, 2015 you agreed to qualify for the rehabilitation program and provided a verbal financial statement resulting in an agreement, to be validated with supporting documentation, to pay $5.00 per month.  As was explained during the call the payment amount needed to be validated with documentation.  The documentation received was slightly different than what we were told initially resulting in the need to increase the payment to $10.00 per month.  In July 2015 you agreed to qualify for rehabilitation by making nine payments in ten months in the amount of $10.00 per month. Unfortunately payments were not made beyond August 2015 thus you were not qualified for rehabilitation.
As we explained to you when you agreed to enter the program, the tax offset would stop after successful completion of the program which did not occur.  We note that the balance currently reflected in our system is accurate and includes the recent tax offset payment.  However, the letter you received with the higher balance was sent prior to the offset being reported to Van Ru.
Should you wish to discuss resolution of your account please feel free to contact [redacted] Director of Consumer Advocacy at [redacted] and he will be happy to assist you directly or ensure you are transferred to the proper party to discuss resolution.
Sincerely,
 
[redacted]
Corporate Compliance Manager
Van Ru Credit Corporation
 
This communication is from a debt collector

Initial Business Response /* (1000, 5, 2014/12/24) */
RE: [redacted]
Dear Ms. [redacted]
We have received your letter dated December 16, 2014 and appreciate the opportunity to respond to the concerns of the consumer. The account at issue was assigned to Van Ru on November 5, 2014. On...

November 7, 2014 our validation notice was mailed to the consumer. On December 8, 2014 we received a written dispute of the debt and no further collection activity has occurred. We further note that we have not spoken with the consumer and have only attempted verbal contact twice. Perhaps there is another entity attempting to contact the consumer. Nonetheless, to avoid any further misunderstanding we have closed and returned the account at issue to our client.
Regards,
[redacted]
Van Ru 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

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