Envision Payment Solutions or EPS is a debt collection agency, which receives a lot of consumer complaints to our law firm for debt harassment. Find out who they are, why they might be calling, and how you can stop them.
What is Envision Payment Solutions – EPS?
Envision Payment Solutions , Inc. (EPS) is a third-party collection agency based in Georgia. EPS has received consumer complaints alleging violations of the Fair Debt Collection Practices Act (FDCPA), such as failing to verify debts and attempting to collect debts not owed. If EPS has contacted you about past due collection items, make sure you understand your rights before taking action.
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Is Envision Payment Solutions a scam?
They’re legit. According to the Better Business Bureau (BBB), Envision Payment Solutions, Inc.was founded in 1988. The BBB established a profile page for EPS in 1999. The BBB lists EPS as a payment processing service. Buzzfile estimates EPS’s annual revenue at $3.3 million and the size of its headquarters staff at 19 employees.
According to its website, EPS “is an American-owned company delivering customized payment processes to clients for over 30 years.” EPS “guarantees customer payments on goods and services with their full life-cycle payment solutions.”
Envision Payment Solutions provides payment processing and debt collection services to a variety of businesses and industries, including school systems; government agencies; medical facilities; utility companies; retail stores; and non-profit organizations.
EPS “combines their knowledge of payment processing with what they learn from clients …to recommend the best solution to build, track, and protect…revenue.” Their payment processing services include Check processing; ACH/Check 21 processing; telephone payments, including single and recurring payments; account verification; payment guarantees; virtual terminals; payment gateways; web-based reporting; credit card processing; mobile payments; checkout; and bill pay.
Envision Payment Solutions offers these services for merchants who accept payment for goods or services using electronic payments; check services; credit cards; OrbiPay; Ella; and any other form of electronic bank debiting. Their Direct Recovery division provides collection services to merchants that have charged-back payments. “If a paper check or e-check is returned for any reason,” EPS “will attempt to collect via re-presentment, telephone calls, and mailing collection notices.” EPS “also provides electronic and manual skip tracing.”
EPS states that it “is a proud member of… the Association of Collection and Credit Professionals” (ACA International). “ACA establishes ethical standards and articulates the value of the credit and collection industry to businesses, policymakers, and consumers.” The EPS website includes a link to the ACA International website; but there are no additional links or references to consumer protection resources, laws, or enforcement agencies.
Who are we? We are Lemberg Law, a Consumer Law Firm
Lemberg Law is a consumer law firm helping victims of collection harassment and abuse. We are ranked A+ by the BBB. We’ve helped more than 15,000 consumers stop harassment and recover money from debt collectors. Harassed? Abused? Misled by a collector? Call our Helpline today! There is no charge unless we win.
How many Complaints are there against Envision Payment Solutions?
The BBB has closed 8 complaints against Envision Payment Solutions in the past three years, with 2 complaints closed in the previous 12 months. Most of those complaints alleged problems with billing and collections.As of July 2015, the Consumer Financial Protection Bureau (CFPB) has not posted any complaint data about EPS. Justia lists at least 3 cases of civil litigation involving EPS.
Envision Payment Solutions, Inc. 3080 Premiere Pkwy., Ste. 115 Duluth, GA 30097-8907 Telephone:(770) 709-3000
Can Envision Payment Solutions Sue Me or Garnish My Wages?
It is illegal for a debt collector to make empty threats to sue you or garnish your wages. It is also unlikely EPS would sue you for a debt you may not owe or they cannot validate. However, debt collection agencies are known to have summoned debtors to court and garnish wages after a default judgement. Contacting an attorney BEFORE this could possibly happen would be a smart move. We’ve helped thousands of consumers fight back against unscrupulous debt collection harassers. Find out if we can help you too today!
Unlawful Debt Harassment? Learn the Law & Sue the Collector.
Can you help me file a No Fee Lawsuit against Envision Payment Solutions?
Absolutely. Here are some Sample Complaints
Complaints against Envision Payment Solutions cite problems resulting from disputes about the validity of debts. In January 2019, a complainant stated that she had been forced to contact EPS after visiting the Georgia Department of Motor Vehicles. According to the complainant, her vehicle’s license plates expired in December 2018, and “when she went into her local county tag office… to renew them, she was told that she could not do so because of an ‘error in the system’ at the Georgia Department of Revenue. She immediately contacted the Georgia Department of Revenue (GDOR) and… was told that her records had some errors that would need to be corrected…before she could renew her tags, and that the corrections should be made by the next day. However, when she called in the following day, she was told that the issue” still had not been resolved. The following month, the issue was still unresolved, and a “GDOR representative… told her she …would have to contact EPS to find out the specifics of the problem and to resolve the matter.” The complainant contacted EPS, and the representative told her “that there were some ‘returned payments’ on file that were made by ‘e-check’ through an online system.” The complainant denied having any “knowledge of any payments made or returned, and that she does not make payments by e-check.” In addition, she had “never received any letters or phone calls about money owed to anyone at either the Georgia Department of Revenue or EPS. The EPS representative told her they would research the matter and get back to her within 48 hours with the amount owed, the reason for it, and the dates of payments and returned payments.” However, EPS never returned the call, and when the complainant finally called back, EPS told her “the amount…owed was $925.00,” but “they could not give her any more information as to the reason why they think she owed them $925.00, the date of any alleged payment made to GDOR or to them, the date of any returned payments, or the amount of those payments.” The complainant insisted that she is a “law-abiding citizen trying to do the right thing and pay her annual tag fees to the state for the renewal of her automobile tags. However,GDOR told her that EPS has her account locked and on hold, and EPS says that GDOR… has her account locked and on hold. Neither organization was able or willing to tell her why they think she owes them $925.00, or when the debt occurred.” She said the debt appears to be “an arbitrary amount, and no one should be expected or required to pay EPS or GDOR any amount of money if they cannot explain the reason why they owe it.”
In response, Envision Payment Solutions stated that they had “already provided her with validation…from the GDOR that clearly shows when the 5 items were returned, the reasons for those returns, the amounts of those returns and the VIN numbers those transactions correspond with.” They also stated that they do “not lock or unlock …GDOR accounts, but would …assist her in resolving those returns.” The complainant rejected the attempted resolution and restated her position. In response, EPS reposted the same reply
Envision Payment Solutions Calling You?
Federal laws protect you. The Fair Debt Collections Practices Act (FDCPA) regulates the behavior of collection agencies by prohibiting actions such as the use of abusive or threatening language; harassment; or the use of false or misleading information to collect a debt. The FCRA regulates how collection agencies and creditors report delinquent debts to credit reporting agencies. Additional consumer protection laws include the Telephone Consumer Protection Act (TCPA) and the Consumer Financial Protection Act (CFPA).
But here’s the rub: If you want to enforce your rights, or recover money for violations — you need to sue. These laws provide individuals like you with a means to seek monetary damages in court. For example, the FDCPA allows consumers who have been violated to recover damages of up to $1,000, plus attorney fees and court costs.
Want to Stop Debt Collection Harassment Now?
You may have a case, if…
You are receiving multiple calls per week from third party collection agencies
You are receiving early morning or late night calls from debt collectors
You are receiving calls at work from a debt collection agency
Debt collectors are calling your friends, neighbors, or coworkers
Collectors are threatening you with violence, a lawsuit, or arrest
A debt collector attempts to collect more than you owe
You are being threatened with negative credit reporting
A debt collector attempts to intimidate you
Criminal accusations are being made towards you
Use of obscene language during an attempt to collect
Automated robocalls are being made to your phone in an attempt to collect
“I have to admit, I was not sure of y’all initially but you proved me wrong. You not only got the calls to stop but you have the company to dismiss the accounts once and for all! It had been more than I anticipated.”
“Prior to contacting you, we had tried repeatedly to handle this matter without threatening litigation. In the end, not only were they unapologetic, but they were dismissive – even of an attorney friend who called on our behalf. Sincerest thanks for resolving this matter for us!”
“Lemberg Law has saved me from the endless calls, and harassing voicemails. They really do go to bat for you. I didn’t know that debt collection agencies can end up paying your legal bill. What a surprise, to receive free legal help. I’m very grateful for all the hard work they did to finally give me my life back.”
“Thank you and your team at Lemberg Law for the exceptional work you did on my behalf. I have never experienced the level of care, professionalism, timeliness in follow-through, and monetary compensation obtained through your firm.”
Can You Help Me Delete Envision Payment Solutions from My Credit Report?
We can absolutely help. Call us today.
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About the Author:
Sergei Lemberg is a lawyer whose practice focuses on consumer law, class actions and personal injury litigation. He has been repeatedly recognized as the “most active consumer attorney” in the country. In 2020, Mr. Lemberg represented Noah Duguid in the United States Supreme Court in the case entitled Duguid v. Facebook. He is the author of Defanging Debt Collectors, a book that teaches consumers how to battle debt collectors and win.