Complaints

The complaint text that is displayed might not represent all complaints filed with BBB. Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business.

• Initial Complaint

  Date:03/03/2025

  Type:Service or Repair Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I have honestly never been treated so poorly by a company ever.I've been hung up on multiple times the amount of stress that I carry every day wondering if they're gonna freeze my bank accounts which they have threatened to do multiple times is honestly unbearable at this point I don't really know where to turn. I have told the multiple times that once I received my taxes that I would pay the settlement balance.I've already given them a thousand dollars of my own money which is tight to begin with. I have tried to setup a monthly payment arrangement for $500 a month until the settlement balance is paid and im told do go borrow money from friends and family. I can't even sleep at night knowing the keep telling me they'll freeze my accounts. I still have not received my tax refund and now I don't know what to do. Every conversation is basically just them trying to get me to make another good faith payment. I'm out of options at this point until my ta es are received and would like them to agree to setup a monthly settlement.

  Business Response

  Date: 03/10/2025

  Mr. *********,

  We wanted to provide an update on the steps we've taken regarding your settlement offer and to clarify the current status of your account.

  After reviewing your situation, weve moved your account to a protective status. This means you will not receive further communication from anyone besides the manager who spoke with you today. Our goal is to ensure that the temporary payment plan weve agreed upon remains in place until your tax refund is received, at which point we expect the remainder of the settlement balance to be paid.

  We appreciate your cooperation in working with us, and were glad weve been able to reach an arrangement that aligns with your current circumstances. If you have any questions or concerns, please feel free to contact the manager directly, as they will be your point of contact moving forward.

• Initial Complaint

  Date:02/20/2025

  Type:Product Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  On February 19, 2025, I received an email for the first time regarding an alleged escalation, a *** lien, and several unprofessional statements from your company. After conducting some research, it appears that your organization represents another company, which in turn represents Kabbage. The entire situation is complicated and unclear at this point.When I requested proof of prior communication, the only document I received was a PDF not even with a letter head, dated February 19, 2025, which appears to have been created on the same day, that your company was hired by ************************. Prior to this, I had never heard of Plumeria Accord Holding or Vangarde. Yes, Vangarde send me also some old documents from Kabbage, but no documents proving any direct connection between *******, Vangarde, Plumeria and the verification of that claimed debt.Your company has claimed that multiple entities have been attempting to contact me for years regarding this debt. I have requested proof of these claims and verification of how the debt was calculated, yet I have received no response.Additionally, I have noticed that your business is not accredited by the BBB, and I have been unable to locate your LLC registration number or identify the owner. I would like to communicate directly with someone from your management team regarding this matter.Furthermore, it has come to my attention that your company has contacted individuals who happen to share my last name, making statements similar to "this is an investigation" or inquiring whether they know me. This conduct is unacceptable, as you have no legal standing to disturb unrelated individuals.I expect a professional and fact-based response with the requested documentation.

  Business Response

  Date: 02/21/2025

  Dear *****,
  
  We acknowledge receipt of your concerns. Our company has provided you with all relevant documentation, including a full chain of ownership, account history, and verification of the debt. The claim that you were not provided with sufficient documentation is inaccurate.
  
  Our role in this matter is to investigate the guarantors ability to satisfy their financial obligations. When direct communication is not acknowledged or avoided, it is standard industry practice to seek alternative means of contact, including third-party outreach, to facilitate resolution. At no point has our company engaged in any improper or unlawful conduct.
  
  We encourage you to communicate directly with our team so that we may resolve this matter efficiently and professionally. If you require any additional clarification, we remain available to discuss the details of your account.

  Customer Answer

  Date: 02/28/2025

   
  Complaint: 22969969
  
  I am rejecting this response because it is still not clear to me that the company:

  
  a) Has a legal right to contact me on behalf of a potential debt.
  b) Has provided sufficient business information, including ownership details, EIN, or any other verification that confirms it is a legitimate business and not a scam.
  I was a victim of identity fraud a few years ago, and my credit report reflects that information. Additionally, I filed a complaint with the FTC back then. Therefore, I must know exactly who I am communicating with, as well as their legal right to contact me on behalf of any potential debt and access any of my information.
  Having a website without verifiable business details is insufficient. I requested the company to provide all the necessary documents and information. While I have received some of the requested materials, not everything has been provided.

  Including zero confirmation that they or anyone else contacting me for years. As in reality, the middle of February of 2025 was the first time when I heard about that company and that debt amount.

  As per my rights, I have up to 30 days to respond.
  
  
  

  
  

  Business Response

  Date: 03/03/2025

  This complaint is without merit and represents an attempt to delay resolution of a legitimate commercial debt obligation. The complainant is a personal guarantor, and this debt is not subject to consumer debt protections.
  
  The complainant has already been provided with:
  
  -Verification of the debts legitimacy and their personal guarantee.
  -Proof of our legal authority to pursue collection.
  -Business verification details, including ownership and transaction records.

  Additionally, the claim that this is the first time they have heard of the debt is demonstrably false, as there is a clear record of prior communication and notices. The reference to identity theft is also irrelevant unless supported by specific documentation proving that this obligation resulted from fraudnone has been provided.
  
  The Better Business Bureau has established measures to reject frivolous complaints that serve no legitimate dispute resolution purpose. This complaint falls squarely into that category, as it is not a bona fide dispute but rather an attempt to evade a clear financial obligation. Given that this is a verified commercial debt, we request that the BBB dismiss this matter accordingly.

  Customer Answer

  Date: 03/03/2025

   
  Complaint: 22969969
  
  I am rejecting this response because:
  
  I did not receive any confirmation that I was contacted before. Please submit it.
  Asking who owns a company and verifying that the company has the legal right to collect a debt is NOT delaying anythingit is my legal right to know with whom I am communicating. I believe the BBB should also be aware of who is behind this organization, given its poor customer service and questionable practices.
  Furthermore, this organization does not contact businesses; instead, it reaches out to personal emails, cell phones, etc. This means the company must comply with the rules mentioned previously.
  Additionally, I have sent a certified mail today containing very important documents related to the issue to the company's address. From now on, all communication must take place only through certified mailno personal email will be active or available. I still expect them to provide the requested documents before we can potentially reach any agreement.
  Thank you.

• Initial Complaint

  Date:02/12/2025

  Type:Service or Repair Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I had a contract with ********* several years ago. At the conclusion of our agreement, I owed them approximately $1450. It was during COVID, the company was suffering, FUNDWORKS did not honor a payment arrangement and was debiting incorrect amounts. I made out a certified check in the amount and mailed to TRACE BEERS @ FUNDWORKS for final payment. Mr. ***** refused the payment and told me he decided to turn it over to a Collection firm that escalated the $1450 to $6500. stating fees were incurred. Now, VANGARDE, ***** is the employee is harassing me daily. I am very ill, have organ failure, major surgeries, 78 yrs old, only income is social security under $1000 monthly. The company dissolved, bank accounts were closed. We offered to pay and sent them payment three times in a certified check before we closed, two certified letters returned along with initial letter and check we sent which disappeared. I have explained everything, I do not own a car, house, anything of value was sold a long time ago. My health is deteriorating, I live on a mandated medication because of organ failure. Now, I deal with ***** ***** stating I have to provide my checking accounting and tax statements. I do not file taxes, I live on SS under $900 a month and have over $85000 in medical bills at 78 yrs old. Mr. ****** Vangarde client was offered final payment almost 2 yrs ago and refused. Also a letter was sent to thier inhouse attorney. VANGARDE NEEDS TO STOP HARASSING ME.

  Business Response

  Date: 02/20/2025

  Dear Mr. ****************** hope you are doing well. I wanted to personally follow up on your recent complaint.
  
  I understand your frustration and appreciate the opportunity to address your concerns. Please know that our office was not involved in nor aware of any actions prior to the account being placed with us. That said, we have placed your account in a protected status, and you will no longer receive any further contact from our office regarding this matter.
  
  If you have any further questions, please dont hesitate to reach out.
  
  Best regards,

• Initial Complaint

  Date:01/30/2025

  Type:Order Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  My account with Giggle Finance went unpaid and sent to Collections. This company Vangarde Group was the company to take on the account. The agent who reached out to me is ***** ******* . I specifically asked her They [ Giggle finance ] wants me to pay $2053.65 within two months? she said YES . Though , once she sent me an email for the payment it stated that they wanted $4107.30 . I also questioned her on if there was currently a Lien and she said yes but her voicemail stated that if I voluntarily surrendered and paid that it would be avoided. So once I brought to her attention that the amount she confirmed was different than the amount in the email she then said they would proceed with pre-litigation . I dont appreciate being lied to and mislead on top of her threatening and disrespectful tone. I am willing to pay $2k [ over 4 payments ] with the service fee charges but anything more than what was stated and agreed to by their employee is ridiculous. If need be I will contact my lawyer because the unprofessionalism is disheartening.

  Business Response

  Date: 02/06/2025

  Dear Ms. *************** hope you are doing well. I wanted to personally follow up on your recent complaint.
  
  After reviewing your concerns, I want to acknowledge that this is not the experience we aim to provide, and I sincerely appreciate the opportunity to address the matter. Thats why I attempted to reach out via SMS and phone call after reviewing your complaint, but unfortunately, I did not receive a response.
  
  After a thorough review, we recognize that there may have been some miscommunications regarding the payment terms and lien status. Our goal remains to work with you toward a resolution that aligns with your financial situation while meeting our clients requirements.
  
  We are open to discussing a more manageable arrangement; however, please note that final approval rests with our client. In the meantime, your account (Giggle deal #********* has been placed in protected status, and you will not receive further communications from our office unless necessary.
  
  We take your feedback seriously and will use this as an opportunity to improve our internal processes. Should you wish to discuss this matter further, you may reach me directly at ************.
  
  Thank you for your time, and we look forward to assisting you.
  

• Initial Complaint

  Date:01/28/2025

  Type:Service or Repair Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  We were contacted by the company just recently of a debt that they say we owe. The individual that handled emails and calls for this small business was being contacted but didnt inform us. Once I finally spoke with the Vangarde Employee, I informed him that the business was no longer operating. We can not afford the amount that was given, but we are willing to work to get the debt paid on our term because a lack of funds. This company refuses to work with you in any type of way..

  Business Response

  Date: 01/30/2025

  We appreciate you taking the time to share your concerns.

  Were pleased to confirm that one of our managers has already reached out to discuss a resolution, and we have since come to a mutually beneficial and agreeable arrangement.

  While we understand that the initial complaint was filed before this outreach, we are glad to hear that you are now very satisfied with the resolution and how the matter was handled.

  We also appreciate your willingness to rescind the complaint.

   If you have any further questions or need any assistance, please dont hesitate to reach out.

• Initial Complaint

  Date:11/21/2024

  Type:Order Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  This company sent a harassing intimidating text message UCC file to my friend's and family at 11:00 at night terrifying my mother that now thinks that they're coming after her assets

  Business Response

  Date: 12/03/2024

  We appreciate you bringing this matter to our attention and value the opportunity to address your concerns. Please be assured that all complaints are thoroughly investigated and taken very seriously.

  Our company is employed by ************************ to assist in resolving an outstanding balance of $5,838.13. The assigned agent for this account is tasked with communicating with the guarantor to work toward an amicable resolution. Following this feedback, a manager reached out to the guarantor to discuss the account and explore potential settlement options. During this discussion, the ********* mentioned considering bankruptcy but requested that the settlement offer be sent via email for review.

  Rest assured, all communications are handled professionally and with the intent of resolving matters effectively and respectfully. Should you have any further questions or concerns, we are available to assist at your convenience.
  
  

  
  

  Customer Answer

  Date: 12/03/2024

   
  Complaint: 22585560
  
  I am rejecting this response because:
  
  Sincerely,
  
  ******* *****

• Initial Complaint

  Date:11/13/2024

  Type:Order Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Continued lies and Harrasment based on the fact that the company will not accept my payment terms being that my company is no longer in business because of this predatory lending obligation.

  Business Response

  Date: 11/20/2024

  We wanted to explain the steps weve taken to help you with your settlement offer and why we were unable to move forward.

  
  Our objective was to assist you in creating a temporary payment plan by advocating on your behalf to the client. For this, we requested hardship documentation and bank statements to illustrate your financial situation. Unfortunately, without these documents, we couldnt proceed with submitting your case.

  
  If hardship approval had been granted, it would have allowed for a temporary payment plan designed to fit your current circumstances. These plans are regularly reviewed to ensure they align with any changes in your ability to pay, with adjustments made over time as needed.

  
  We were dedicated to helping you find a solution that worked, but without the required documentation, we were unable to advance your case. Your account has been returned to the client for further action, and we hope a resolution will still be possible.

  
  

• Initial Complaint

  Date:10/29/2024

  Type:Order Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Loan was for ******* I paid ******* Leaving ******.They are saying I paid nothing and wont except my Proof of payment.

  Business Response

  Date: 10/30/2024

  It appears there has been a miscommunication regarding your account status while it was placed with the previous agency, which led to it being placed with our office. Please note that we have since closed this account back to the client.

• Initial Complaint

  Date:09/10/2024

  Type:Service or Repair Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  This company was hired by their client **********************. They are the 4th collectors trying to enforce a *** lien on me. The 2nd company that was hired by Vader was Triton Recovery. Triton Recovery sent me an email with a settlement offer. I called in to take the settlement offer but asked if it could be made in payment installments. They said no that it would have to be a lump sum or in 2 payments. The *** for Triton Recovery placed me hold then came back with a lower offer. I took the offer of $6000 and made payments in two $3000 payments. They even sent me a Settle In Full Letter. Vader was not happy with that offer they provided me and removed the case from them. Now Vangarde Group has it and is constantly harassing me and trying to scare me with their threats. I sent them a copy of the Settle In Full Letter and they keep harassing me saying I still owe. I have been in contact with multiple attorney on this matter. Although my attorneys said I have a Settle in Full Letter and I don't have to pay I offered to settle with them on what I can afford. They came back with a no and stated that their options was the way to resolve this matter. There resolutions was me paying $1300+ per week. That is impossible for me to commit to. The only thing I can do is pay back $6000 in 12 month payments. That would be a total of $12000 I would have paid back. They declined and stated that they could not agree to it and is continuing to harass me.

  Business Response

  Date: 09/17/2024

  Dear Mr. ***************** you for bringing this matter to our attention.

  I have done an extensive investigation on your account, including of our client's system notes and do see that Triton Recovery accepted a settlement offer from you that was below the settlement parameters set by our client. This offer did not align with the preapproved terms and led to the account being mishandled and subsequently transferred to our office.

  We have since contacted Vader Mountain Capital to address the issue and have closed the account in our office. As a result, you should not receive any further communications from Vangarde Group regarding this matter.

  We appreciate your patience and understanding as we worked to resolve this issue.

  If you have any additional questions, please contact Vader Mountain Capital.

• Initial Complaint

  Date:08/12/2024

  Type:Billing Issues
  Status:

  ResolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  This company uses what should be illegal practices to collect debt. ********* phone calls and emails not only to be the debt owner but to family as well. Calling my brother I dont even talk to asking him if he loaned me any money or if hes hiding money for me, calling my sister who knows nothing about my businesses debt and its not her business. I was a nanny in 2013 and the family added me as an authorized user to their credit card. I left that job after 1 year. Now after doing their research theyre claiming I have a credit card with $25,000 limit. Lol very bad research. Why dont you just ask instead of assuming. I assure you most people would just pay the debt if they could instead of dealing with this harassment. On top of that theyre not looking for a resolution. Right after I gave birth last fall I get a phone call from Vangarde and they just keep talking. UCC lien threats, shutting business down threats, just continued threats and talking nonsense just to talk. Kind of sounded robotic, just talking to intimidate and scare me. During the call I ask her, so what do you want me to do? Im telling you I dont have the money. Are we going to come up with a solution or are you just going to keep talking to try and scare me? She seemed more interested in intimidating than coming up with a payment plan or a resolution. Very creepy person who seems to enjoy distressing other people. I wont put her name but this company should not be in operation when they conduct business in such a manner. I have other debt as a business owner, but never in my life have I been harassed like this. I want the harassment to cease. I want a resolution. I will settle for $5,000 with $1,000 payments made monthly. And demand never to be bothered again.

  Business Response

  Date: 08/16/2024

  We have reviewed the information you've provided regarding your situation. Our practices in enforcing UCC liens and communicating with relevant parties are conducted in accordance with applicable laws and regulations.
  
  We appreciate you taking the time to communicate your concerns and propose a resolution. We're pleased to confirm that, as you're aware, one of our managers has already spoken with you regarding your suggested settlement terms. After obtaining approval from our client, we have successfully reached an agreement based on the terms you proposed - a $5,000 settlement to be paid in $1,000 monthly installments.
  
  If you have any further questions about the settlement agreement you've reached with our manager, please don't hesitate to contact them directly. We're satisfied that we've been able to bring this matter to an amicable conclusion that works for all parties involved.
  
  

  Customer Answer

  Date: 08/16/2024

   
  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me.
  
  Sincerely,
  
  *****************************