ComplaintsforVerliance, Inc.

• Initial Complaint

  05/16/2024

  Complaint Type:

  Billing Issues

  Status:

  Resolved

  More info

  This company violated the Fair Debt Collection Practices Act (FDCPA) by using predatory collection tactics to attempt to scare me into paying for a debt I am not liable for. This included violating: - The failure to disclose over the phone that the debt collector is attempting to collect a debt and that any information obtained will be used for that purpose. - The use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer. (The agent told me I was affiliated with my boyfriends LLC because I am on our homeowners and auto policies and therefor am responsible to pay the debt.) - Communicating or threatening to communicate to any person credit information which is known or which should be known to be false ( the agent falsely claimed I was legally responsible for this debt; however, I am in no way affiliated or responsible for my partners business, which is known as I am not an owner of the llc or on the insurance policy which is the debt attempting to be collected. - The collection of any amount (including any interest, fee, charge, or expense incidental to the principal obligation) unless such amount is expressly authorized by the agreement creating the debt or permitted by law (this insurance policy was added without the knowledge or consent of my partner, which isnt necessarily known to the collection agent but is known to State Farm, who they are collecting on behalf of. Currently working with them to dispute the policy.) - the agent stated that this debt affects me and my credit personally, as an llc, even if I had ownership interest in the business, my personal credit report can not be affected as it is a collection against the business.

  

  Business response

  05/16/2024

  Verliance in no way violated the ****** this is Commercial debt. We were advised by the agent of record that ******** was the contact for this matter. We do not report to credit nor did not state that we do, that was brought up by ******** that she would dispute with CBR's. Our representative advised ******** of the debt and that the matter is in collections and how she could dispute it with her agent.

• Initial Complaint

  01/26/2023

  Complaint Type:

  Customer Service Issues

  Status:

  Resolved

  More info

  I am writing to you because, this company has been harassing me for months now, even when I told them to stop contacting me, I already told them I am disputing their whole complaint and amount they are claiming I owe and they keep on calling and harassing me. I asked them to show me a break down of what I owed and how did they come up with that amount and still no answer. I asked them to show me proof that they can collect a debt and do business in NY State and still no answers. I will like the business to 1. Show proof of purchase and the discounted cost that they paid for this debt, 2. Provide a signature or copy of my signature on a document that holds me responsible for this alleged debt, 3. Send proof that they are liscenced to collect debt in NY State or stop contacting and harassing me. I will also be contacting the Attorney General in this matter if this keeps on going, because this is harassment and not right. I will also be showing proof of letters that I wrote this company multiple times that they claim they did not receive even when I wrote them certified mail.

  

  Business response

  01/27/2023

  We have provided the billing information as the party requested on several occasions. I have also included in this response. In response to the complaint items:

  
  

  1. We do not purchase debt, this debt is owed to Travelers Insurance who we do collections for .

  2. The debt is an insurance policy and is bound by payment not signature. If you want a copy of your original policy please reach out to your agent Herman R & L Agency *************

  3. Our NY Collection license info: *******-DCA

  4. We are in receipt of 2 letters from this party 11/22 & 12/28 ini which we responded.

  ***** *****

  *********

• Initial Complaint

  06/08/2022

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  I agreed to a payment schedule for an additional charge on our liability insurance policy after an audit. When we agreed to pay $5000/month I approved an initial payment by ACH. At the time of scheduling the initial payment to show good faith there was a discussion that we did not want the collection department to have access to our account. The collections agent was indignant and stated "what, you think we are going to steal your money?" Shortly before the second payment was due, they called and were again rude trying to say the agreement wasn't enough, fast enough. I told the agent I would pay as agreed, on the month interval as we agreed. Since that date fell on a Sunday we mailed out a check early. Verliance confirmed they received the check, but also made an unauthorized withdrawal of an additional $5000.

  

  Business response

  06/08/2022

  The Collections Manager pulled the calls and yes the 1st payment was set up as a 1 time payment.as a check by phone. The second payment came due an our representative reached out to the contact at which time they stated they would continue with set agreed payments at the end of that call my representative stated that they would deposit the check (as they did the last month) and the call ended. The Collections Manager also made contact with this person to try to resolve and advised a refund would be issued. There was clearly a miscommunication between the 2 parties and we are working on refunding the funds but need to make sure the funds have cleared before we can do so. Stop payment is another option to resolve this matter. 

  Customer response

  06/10/2022

   I am rejecting this response because:

  
  

  The response from Verliance does not accurately reflect the conversations.  If their representative said  "that they would deposit the check (as they did the last month) "  he did so after I hung up.  While I was on the phone he never said the phrase "deposit the check", nor did I.  

  
  

  We have an operations account where all funds come from.  As I stated on the first phone call we agreed to a one time payment as a sign of good faith, and did so from a reserve account because it was not a scheduled payment for us.  I stated quite clearly that I agreed to a payment schedule and I would make the payments as promised.  The representative repeatedly stated that that was not enough, or fast enough.  I told him that I was going to stick to my agreement of $5000/mo.  If he didn't like it, he should seek remedy through the court system.

  
  

  There was no miscommunication, their representative was trying to bully me and I was not having it.  I realize that his job is to collect funds as quickly as possible, but I made a commitment and I am sticking to it.  When it first came to light that they had taken funds, despite an email with a copy of the check we sent with tracking info, their response was to keep it as additional payment, not return it. 

  
  

  A manager did contact me and asked what I would want as a resolution.  I indicated they should return the $5000 taken without authorization, and deposit the payment we tendered as promised.  A stop payment would not correct the matter, as the funds came from different accounts. We could correct that on our end, but that is not the issue.  He took the funds without authorization.  

  
  

  We extended the courtesy of taking the money from one of our accounts as a show of good faith.  They abused that courtesy.  Our office manager expressed concern when we were making the original payment that we did not want them to have access to that account. Their representative was indignant that she might be implying that Verliance might steal our money.  Yet he took money from that account without authorization. 

  
  

  In their response Verliance has cherry picked comments to paint a picture they want.  All the conversations, and all the words together, paint a different picture.  

  
  

  Basically, we agreed to pay $5000/ mo.  Verliance would like more, faster.  I have adhered to my commitment.  Verliance took funds without authorization.  Once we realized they stole money, they offered to return it.  There has been no refund as of this response

  
  

  I will continue to pay as agreed.  

  
  

  I will continue to report this as a theft.

  
  

  
  

  

  Business response

  06/13/2022

  We are waiting on a response from the individual confirming address to remit refund.

• Initial Complaint

  08/27/2021

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  This company is trying to collect a debt that does not exist. On a cancelled contract With a company called ******** . I have confirmation the contract was cancelled due to failure of the pis system . I also have documents showing zero balance due. I have given this information to ********* , *** ***** , who is my ********* , but he just ignores it and also then he claims falsely that i have not contacted him , which i have responded to all his emails at all times. He just sends out more emails claiming i have not contacted them and threaten to sue me if i dont immediately send them 11,000. Which i will never send as i do not own them money. It is ******** and untruthful. I demand that they immediately stop. And stop threatening and harrassing me forthwith. Thank you ****** ********

  

  Business response

  08/31/2021

  Mrs ******** has been provided proof of the debt on numerous occasions the last notice from ** Freeway was 4-2-21 which informed her that she was being placed in collections.  This is a legitimate matter that will continue to be pursued.

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