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:04/09/2025

  Type:Billing 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 collection from PAYLIANCE was not authorized to be on my credit report. This is fraudulent and a violation of my consumer rights and I demand this account to be removed. Im not liable for this debt. It says it was opened on 11/1/2019 for $60 with account numbers starting with *********.Please remove this collection ASAP and cease all communication or I will file a CFPB and FTC report.

  

  Business Response

  Date: 04/15/2025

  Payliance is a licensed third-party collections agency collecting on behalf of The **************************** (****). This complaint concerns one (1) returned check tendered by ******** ******* and made payable to **** (in the State of **************), that ultimately were returned by her Bank to **** as NSF, unpaid.  **** has placed this returned item with Payliance for collections.
  
  Ms. Carltons return check# *** (Payliance internal account# ******** was placed into *********************** at ********************** on 02-13-2019 in the face amount of $60.00 is the amount now due.  The return was due to non-sufficient funds and a credit bureau dispute was filed on 02-24-2020.
  
  If the return is a result of fraud or forgery, Payliance requires either a copy of a filed Police Report or a notarized Affidavit of Forgery attesting this return was the result of fraud/forgery.  Per Payliance policy, the police report needs to include the company associated with the fraudulent transaction and the dollar amount. This information can be sent via email to ********************************* or by physical mail to ********************************************* Attention Disputes.  Upon receipt of the requested documentation, Payliance will cancel the collections if deemed appropriate along with sending a removal request to the Credit Reporting Agencies.
  

  As of April 10, 2025, Payliance has not received a request for validation of the debt.
  

  If ******** ******* has any questions regarding this account, she can contact Payliance Collections Department at ************.

  
  

• Initial Complaint

  Date:08/27/2024

  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.

  I have recently co-signed for my grand daughter to get into an apartment and was contacted by the rental agency that there is an active/open collection account under my name, originally by ******** for $240 with a origination date of 10/23/2023. I experienced indentity theft previously in 2016 and had case# ********** assigned by the ****** ****** ***** and placed an extended fraud alert on my maiden name of **** ******* I have been married since 2007, my legal last name is *********. There should be NO ACTIVITY under my maiden last name of ******. I have never received any billing statement or notice from ********, nor have I ever written a check to them before.

  

  Business Response

  Date: 08/28/2024

  ********* is a licensed third-party collection agency collecting on behalf of *** **** ****** *********** (********) and the ********* account #******* was placed in collections by **** on 2-8-2024. This complaint concerns one returned item made payable to ********. The return in dispute is in the amount of $200.00 with a fee of $40.00 totaling $240.00. The ACH payment was returned as an invalid account.
  If the return is a result of fraud or forgery, ********* requires either a copy of a filed Police Report or a notarized Affidavit of Forgery attesting this return was the result of fraud/forgery. ********* will also accept a copy of the identity theft report.   Per ********* policy, the police report needs to include the company associated with the fraudulent transaction and the dollar amount. This information can be sent via email to ********************** or by physical mail to * ****** ***** ***** *** ********* **** ***** * ********* *********  Upon receipt of the requested documentation, ********* will cancel the collections if deemed appropriate along with sending a removal request to the Credit Reporting Agencies.
  **** ****** can also contact **** at ###-###-#### Option#**

  Customer Answer

  Date: 08/30/2024

  On 4/13/18 an extended fraud alert was placed on my file with Equifax, Experian and TransUnion for seven years, due to previous fraudulent activity that was occurring under my Maiden last name of "******". Per the attached information received during a recent co-signing attempt the origination date of this transaction was on 10/23/2023. Not only is this transaction date by ******** well within the 7 year timeframe, the fraud Victim alert appears on the report summary page.

  I have never used ******** for any transaction. This transaction was unauthorized. Both ******** and ********* are in the wrong for allowing this transaction to occur and be placed for third party collections and adding your fees to a balance that should never have been allowed to get approval. ******** will also have a BBB complaint filed against them for shady credit activity and allowing fraud.   

  This issue will immediately be addressed, disputed and removed from my credit report. My previous employer showing (***************) experienced a data breach and as a result my information that was on file under my maiden name was compromised. 

  

  Business Response

  Date: 09/03/2024

  ********* and our Merchant of record takes identity theft seriously, to err on the side of caution ********* has removed the reporting from the credit bureaus while we complete our investigation.

  Best,

  *********

  Customer Answer

  Date: 09/03/2024

  Better Business Bureau:
  
  I accept the business's response to resolve this complaint.
  
  Regards,
  
  **** *********

• Initial Complaint

  Date:07/19/2024

  Type:Billing 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 no knowledge of this charge nor have a I had a checking account in over 12 years because of identity theft. I have filed with the Federal Trade Commission, also with the Police department and have incident report numbers for my protection. I do not write checks for anything, again, as I do not, nor have I had a checking account in over 12 years. This is being reported to my credit with a date of 2023 so for this to be for a returned check that occur 2023 it is absolutely fraud or a scam and needs to be removed from my report immediately. what I also find odd is that it was not able to be verified with Equifax and Experian and removed as it should be, but transunion is stating they verIIfied the debt. I would like a copy of this because again, I don't have a checking account and haven't for over 12 years so there is no way in 2023 I had a returned check for anything. I never received anything from CyberCollect in regards to this debt/returned check. THIS IS FRAUD AND I AM FILING ANOTHER POLICE REPORT TO ADD TO MY FEDERAL TRADE COMMISSIONS RECORD AS WELL.

  

  Business Response

  Date: 07/24/2024

  Payliance is a licensed third-party collection agency collecting on behalf of *** **** ****** *********** (********) and the Payliance account #******* was placed in collections by **** on 2-13-2024. This complaint concerns one returned item made payable to ********. The return in dispute is in the amount of $200.00 with a fee of $40.00 totaling $240.00. The ACH payment was returned as an invalid account.

  If the return is a result of fraud or forgery, Payliance requires either a copy of a filed Police Report or a notarized Affidavit of Forgery attesting this return was the result of fraud/forgery.  Per Payliance policy, the police report needs to include the company associated with the fraudulent transaction and the dollar amount. This information can be sent via email to [email protected] or by physical mail to * ****** ***** ***** *** ********* **** ***** * ********* ********.  Upon receipt of the requested documentation, Payliance will cancel the collections if deemed appropriate along with sending a removal request to the Credit Reporting Agencies.

  **** ****** filed tradeline disputes on 7-18-2024 claiming not mine. As of 7-24-2024, Payliance has not received a request for validation of the debt.

  **** ****** can contact Payliance via email to ********************** , by physical mail to * ****** ***** ** *** ********* ** ***** * ********** ******** or by phone ###-###-#### regarding their account.
  **** ****** can also contact **** at ###-###-#### Option**.

  Customer Answer

  Date: 07/24/2024

  I spoke directly with the Fraud department at *** *** **** ****** *********** on 07.24.24 at ###-###-####

  The telephone # on the account ###-###-#### is not nor has ever been my phone number and has no association with me.  They used a very old address from 2010 to open the account on 09.27.2023 using a ** **** Checking Account with the last 4 digits of ****.  I have been unable to verify the information associated with that account with ** ****.  Their Fraud Department is investigating the incident, I will be providing them the police report as well as any other supporting documents they deem fit to satisfy this account was open fraudulently and to remove all correspondence related to such that are being reported against me and on my credit files. 

  All above information was provided to me for my police report filing by the *** **** ****** *********** Fraud Department ###-###-####

• Initial Complaint

  Date:06/23/2024

  Type:Billing 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 am a 86 year old lady that is a victim of identity theft and most certainly would not be using this business. Now it is showing up on my credit report and taken my credit score down. I have called them and they say they will return my call and never do.

  

  Business Response

  Date: 06/28/2024

  Payliance is a licensed third-party collection agency collecting on behalf of *** **** ****** *********** (********) and the Payliance account #******* was placed in collections by **** on 3-12-2024. This complaint concerns one returned item made payable to ********. The return in dispute is in the amount of $200.00 with a fee of $30.00 totaling $230.00. The ACH payment was returned as no account found.
  If the return is a result of fraud or forgery, Payliance requires either a copy of a filed Police Report or a notarized Affidavit of Forgery attesting this return was the result of fraud/forgery.  Per Payliance policy, the police report needs to include the company associated with the fraudulent transaction and the dollar amount. This information can be sent via email to [email protected] or by physical mail to * ****** ***** ***** *** ********* **** ***** * ********* *********  Upon receipt of the requested documentation, Payliance will cancel the collections if deemed appropriate along with sending a removal request to the Credit Reporting Agencies.
  As of June 28, 2024, Payliance has not received a request for validation of the debt.
  ******* ******** can contact Payliance via email to [email protected] , by physical mail to * ****** ***** ** *** ********* ** ***** * ********** ******** or by phone ###-###-#### regarding their account.
  ******* ******** can also contact **** at ###-###-#### Option#*.

• Initial Complaint

  Date:06/13/2024

  Type:Billing 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 is a scam. I am not the only person that's have a debt collection appear on my credit report that I have never had any association with or never heard of until now. On 4/15/2024 I received a credit alert about a debt collection from Cybercollect (which turns out to be Payliance) for $225 from a betting company called **** ****. I have disputed with all 3 credit agencies. 1 has removed it and the other 2 has not removed it for fraud. I have never had any thing to do with this betting website. How is it possible for scammers to make it legit to scam people by creating false debt collections to people. I have tried contacting the numbers showing ###-###-#### and it just a automated message. And tried contacting payliance also. No real person at all. Where is your proof? How can you put fraudulent collection on my report with no proof for a returned check. It is fraudulent and a scam because I do not gamble. Resolve it ASAP

  

  Business Response

  Date: 06/18/2024

  Payliance is a licensed third-party collection agency collecting on behalf of *** **** ****** *********** (********) and the Payliance account #******* was placed in collections by **** on 2-7-2024. This complaint concerns one returned item made payable to ********. The return in dispute is in the amount of $200.00 with a fee of $25.00 totaling $225.00. The ACH payment was returned as invalid account.

  
  If the return is a result of fraud or forgery, Payliance requires either a copy of a filed Police Report or a notarized Affidavit of Forgery attesting this return was the result of fraud/forgery.  Per Payliance policy, the police report needs to include the company associated with the fraudulent transaction and the dollar amount. This information can be sent via email to [email protected] or by physical mail to * ****** ***** ***** *** ********* **** ***** * ********* *********  Upon receipt of the requested documentation, Payliance will cancel the collections if deemed appropriate along with sending a removal request to the Credit Reporting Agencies.

  
  ****** ****** filed tradeline disputes on 4-16-2024 claiming fraud and on 4-22-2024 claiming fraud.

  
  As of June 18, 2024, Payliance has not received a request for validation of the debt.

  
  ****** ****** can contact Payliance via email to [email protected] , by physical mail to * ****** ***** ** *** ********* ** ***** * ********** ******** or by phone ###-###-#### regarding their account.

  
  ****** ****** can also contact **** at ###-###-#### Option#4.

  Customer Answer

  Date: 06/18/2024

  It is mind blowing how all of the little info that **** **** did give me was not any of my info. The last four of the hone number, address, last four digits of the bank account number either. How can you help commit fraud or commit fraud and make go through all this trap for some gambling site. That I have never heard of until it was put on my credit report. I don't even gamble. I live in a state where it is illegal with your company for gambling.  Yes I did some research on ******** since that number listed for collection is useless. So how did you create this scheme that it is mine. Getting proof from this collection company is non existent. So stop lying stating that I can contact you. It is a lie. Why are you posing as two different companies? Cybercollect and Payliance?
  
  Regards,
  
  ****** ******

• Initial Complaint

  Date:06/05/2024

  Type:Billing 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 am writing to report an issue with Payliance's account validation process. They failed to validate an account allegedly belonging to me before placing it, neglecting to verify it with account-level documentation. This oversight raises concerns about the security and legitimacy of the account. I urge the Better Business Bureau to investigate and ensure Payliance implements proper validation procedures to protect consumers' financial security.

  

  Business Response

  Date: 06/12/2024

  This complaint concerns a returned item made payable to ** ****** *********** (********) and was placed into collections at Payliance on 2-13-2024. The return in dispute is in the amount of $200.00 with a fee of $25.00 totaling $225.00. The check was returned as “Corporate customer advises no authorization”. If David Mayo would like to contact our merchant of record for further questions on the information provided to Payliance for collections, they can be reached at ###-###-####.
  
  If the returns are a result of fraud or forgery, Payliance requires either a copy of a filed Police Report or a notarized Affidavit attesting these returns were the result of fraud/forgery. Per Payliance policy, the police report needs to include the company associated with the fraudulent transactions and the dollar amounts. This information can be sent via email to [email protected] or by physical mail to * ****** ***** ** *** ********* ** ***** * ********** ********* Upon receipt of the requested documentation, Payliance will cancel the collections if deemed appropriate.
  
  As of 6-12-24, Payliance has not received the requested documentation nor a request for validation of the debt. Payliance will process and send the validation letter.

• Initial Complaint

  Date:05/08/2024

  Type:Billing 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 received an alert from Experian regarding a collections account that was added to my credit report on 4/13/24 by Payliance Collections for creditor ******** for the amount of $230. This is NOT my debt and I have NEVER done business with ********. This is fraud and identity theft. I have filed an identity theft report with the Federal Trade Commission. I have filed disputes regarding this with all 3 credit reporting agencies (Experian, Equifax and TransUnion). It is my understanding that it has been removed from my Experian credit report, but that it is still on the other 2 credit reports (TransUnion has the collections agency listed as ***********, and it's my understanding that they have the same address as Payliance Collections, just a different Suite number). This needs to be removed from all 3 credit reports immediately as it is negatively impacting my credit score. I have never received any type of correspondence from Payliance Collections/***********. I have called Payliance Collections several times to file a dispute with them, and I have left them 3 messages, but I have never been able to talk to a person, and I have never received a call back from them. I feel that Payliance Collections/*********** should be investigated due to their unethical business practices.

  

  Business Response

  Date: 05/07/2024

  Payliance is a licensed third-party collection agency collecting on behalf of New York Racing Association (********) and the Payliance account #******* was placed in collections by **** on 2-7-2024. This complaint concerns one returned item made payable to ********. The return in dispute is in the amount of $200.00 with a fee of $30.00 totaling $230.00. The ACH payment was returned as an invalid account.
  If the return is a result of fraud or forgery, Payliance requires either a copy of a filed Police Report or a notarized Affidavit of Forgery attesting this return was the result of fraud/forgery.  Per Payliance policy, the police report needs to include the company associated with the fraudulent transaction and the dollar amount. This information can be sent via email to [email protected] or by physical mail to * ****** ***** ***** *** ********* **** ***** * ********* ********.  Upon receipt of the requested documentation, Payliance will cancel the collections if deemed appropriate along with sending a removal request to the Credit Reporting Agencies.
  ****** ******* filed tradeline disputes on 4-25-2024 claiming fraud and on 5-2-2024 claiming not mine.
  As of May 7, 2024, Payliance has not received a request for validation of the debt.
  ****** ******* can contact Payliance via email to ********************** , by physical mail to * ****** ***** ** *** ********* ** ***** * ********** ******** or by phone ###-###-#### regarding their account.
  ****** ******* can also contact **** at ###-###-#### Option#*.

  Customer Answer

  Date: 05/11/2024

  Will you accept the identity theft report that I filed with the Federal Trade Commission?
  
  Regards,
  
  ****** *******

• Initial Complaint

  Date:05/05/2024

  Type:Billing 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.

  There is a collection entry on my credit report from "CYBRCOLLECT" which is at the same address as Payliance. The website listed does not exist, and their phone number is "not set up to receive calls." The collection is for a returned check to ********, which is a horse betting company in New York. I know nothing of this company, and I have never even considered betting on horses. ******* and ******** removed the entry after my dispute, but ********** tells me that the debt was verified. That is simply not possible. I want this removed from all credit reporting agencies, and I want an explanation as to why this was entered on my record (similar name, clerical error, etc.). I also want a letter of apology from CYBRCOLLECT/Payliance.

  

  Business Response

  Date: 05/13/2024

  Payliance is a licensed third-party collection agency collecting on behalf of *** **** ****** *********** (********) and the Payliance account #******* was placed in collections by **** on 2-7-2024. This complaint concerns one returned item made payable to ********. The return in dispute is in the amount of $200.00 with a fee of $40.00 totaling $240.00. The ACH payment was returned as no account found.

  If the return is a result of fraud or forgery, Payliance requires either a copy of a filed Police Report or a notarized Affidavit of Forgery attesting this return was the result of fraud/forgery.  Per Payliance policy, the police report needs to include the company associated with the fraudulent transaction and the dollar amount. This information can be sent via email to [email protected] or by physical mail to * ****** ***** ***** *** ********* **** ***** – Attention Disputes.  Upon receipt of the requested documentation, Payliance will cancel the collections if deemed appropriate along with sending a removal request to the Credit Reporting Agencies.

  
  **** **************** filed tradeline disputes on 5-2-2024 claiming not mine and on 5-3-2024 claiming not mine.

  
  As of May 13, 2024, Payliance has not received a request for validation of the debt.

  
  **** **************** can contact Payliance via email to ********************** , by physical mail to * ****** ***** ** *** ********* ** ***** - Attention: Disputes or by phone ###-###-#### regarding their account.

  
  **** **************** can also contact **** at ###-###-#### Option#4.

• Initial Complaint

  Date:05/01/2024

  Type:Billing 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 received an alert on my credit report that Payliance had marked an account "unpaid returned check" in the original amount of $200 from ** ****** ***********. I have no idea who or what this company is or what they do. As of 04/11/2024 they have also indicated that the amount due has increased to $220. I have been relentlessly trying to contact this company to dispute the validity of this account as I havent written checks in at least 18 years so this is definitely a mistake but the VM is consistently full and you can never reach a live agent. This has damaged my credits terribly and I want this removed from my credit immediately. I believe their practices are very unprofessional. I was never notified nor did this matter present itself until now to even have a discussion. It is unfair that without confirmation that this is indeed my debit I have been marked responsible. Very disappointing that they set themselves up where you are on the losing end of this as you can never reach anyone and the derogatory information just stays until you ultimately get frustrated and potentially pay the balance even if it is erroneously assessed. If the FACTS prove this is mine (which is highly unlikely) I will satisfy my obligation but this is not mine and needs to be correct as soon as possible.

  

  Business Response

  Date: 05/07/2024

  Payliance is a licensed third-party collection agency collecting on behalf of *** **** ****** *********** (****) and the Payliance account #******* was placed in collections by **** on 2-8-2024. This complaint concerns one returned item made payable to ****. The return in dispute is in the amount of $200.00 with a fee of $20.00 totaling $220.00. The ACH payment was returned as an invalid account.
  If the return is a result of fraud or forgery, Payliance requires either a copy of a filed Police Report or a notarized Affidavit of Forgery attesting this return was the result of fraud/forgery.  Per Payliance policy, the police report needs to include the company associated with the fraudulent transaction and the dollar amount. This information can be sent via email to [email protected] or by physical mail to * ****** ***** ***** *** ********* **** ***** – Attention Disputes.  Upon receipt of the requested documentation, Payliance will cancel the collections if deemed appropriate along with sending a removal request to the Credit Reporting Agencies.
  ***** ****** filed tradeline disputes on 4-18-2024 claiming not mine and on 4-23-2024 claiming not mine.
  As of May 7, 2024, Payliance has not received a request for validation of the debt.
  ***** ****** can contact Payliance via email to ********************** , by physical mail to * ****** ***** ** *** ********* ** ***** - Attention: Disputes or by phone ###-###-#### regarding their account.

• Initial Complaint

  Date:04/15/2024

  Type:Billing 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 put a collection of debt to all 3 credit bureaus lowering my credit score. This debt is not me and the company never reached out to me. I was first notified by experian that a collection account has been added to my credit report. I disbuted the collections and experian fixed it immediately. Then the other 2 credit bureaus notified me of this debt as well. I have reached out to payliance and not returned calls. How can a company just send someone to collections without reaching out.

  

  Business Response

  Date: 04/15/2024

  Payliance is a licensed third-party collection agency collecting on behalf of ** ****** *********** (********). This complaint concerns 1 returned item made payable to ** ****** *********** (********) and was placed into collections at Payliance on 2-7-2024. The return in dispute is account# ******* in the amount of $200.00 with a fee of $25.00 totaling $225.00. The item was returned as “No Account Found”. If ****** ***** would like to contact our merchant of record for further questions on the information provided to Payliance for collections, they can be reached at ###-###-####.  Calling the Merchant of Record may result in a more timely update to the Credit Bureaus as they have the ability to recall this placement if it is found to be fraudulant.

  Payliance sent a notice via the postal service to Mr. ***** on 2/9/24 at the address provided by our merchant of record, ***** ***** ******* ****** **** ****** **

  If the returns are a result of fraud or forgery, Payliance requires either a copy of a filed Police Report or a notarized Affidavit attesting these returns were the result of fraud/forgery. Per Payliance policy, the police report needs to include the company associated with the fraudulent transactions and the dollar amounts. This information can be sent via email to [email protected] or by physical mail to * ****** ***** ** *** ********* ** ***** * ********** ********. Upon receipt of the requested documentation, Payliance will cancel the collections if deemed appropriate.

  This account has been placed in a disputed status and the Bureaus will be updated accordingly.

  Customer Answer

  Date: 04/15/2024

   I have never written any check ********. I also never received any letter in the mail. I have left messages with payliance and haven't received any call back. I had no knowledge of this debt until April 12 when ******** alerted me.
  
  Regards,
  
  ****** *****