Van Ru Credit
Reviews and Complaints

I have worked for Van Ru Credit now for over 4 years. I am sick to my stomach at what goes on during a work week. If I was not in a tough situation financially I would leave, and currently looking for another position. In the last 90 days they have let go of over 80 people. Some of the Managers who actually work with us have resigned or gotten fired. There are rumors the company is going to shut down, and that they are running out of cash.

I have been working directly for some of the top people, and cant stand them. From Steph Lavigne down. He is a phony, who lies to our faces and tells us stories just to hear himself talk. Between his 45 smoke breaks a day and him constantly talking about how all the clients love him. Its amazing if he actually gets any work done. He thinks everyone likes him meanwhile they abuse him. He is a tool, and his boys club is a joke. There is rumors they are using clients money. And I can say for a fact they have taught us to break the laws and threaten debtors into paying using strong arm tactics. Its time someone does something. They have been sued for not paying vendors, not paying contractors over and over. Its a joke inside the company.

I am actively looking for management position just concerned because I am at this hell hole will anyone hire me as its known throughout the industry what ### these guys are.

I have been harassed by this company, 6-7 times a day for the last 3 months. They continue to call, and scream and yell at my children asking where I am. Personally I have spoken to Van Ru several times explaining that I am trying to get on my feet. They responded with they do not care, and the bill either gets paid or I am going to find myself in court. One employee, actuallyget told me "to get my Sundays best ready because i am going to need to be dressed for court' They are awful people and it seems these tactics are learned from the top down in this company. I researched the ownership, and people who run this company. There is reference of a Roger Rubin, and when googling him there are pictures of half naked women in his photo shoots. Then there is the current President, Steph Lavigne. Besides what is said on other sites about him by his employees I found him on LinkedIn. He is on a business site sitting on a Yacht. Thumbing his nose at honest hard working people. That's quite an example.

This company has harassed me on my cell phone, and my land line. They call all hours of the day, seven days a week. They were given my bank information by the original debt company. They proceed to take money out of my checking account even after, I asked them to stop. I told them they did not have my consent, but they keep doing it anyway. How can I stop this from happening ?I spoke to someone there, and they were informed to stop, and return all they had taken out of my account. They said if I would send proof, that it was indeed taken out, they would return the money. I faxed them proof, and they have not returned money. In fact they have taken more. Now they refused to return my phone calls. They have a automated system, that never lets you talk to a live representative. In stead it saids leave message with phone number, and call will be returned. They never return call.

I received a call from this company about a student loan bill. When I tried to explain that I was just getting back to work, and willing to try and make reasonable payments, the person on the other end started screaming at me. They said that if I did not pay the balance in full today which is over 5, 000.00 they would have a repo company at my door to take my car and furniture. That I am a deadbeat that needs to learn how to pay their bills on time.
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I am a single parent, of 2 children who was laid off a few months back. I just recently got a job again and have been trying my best. They did not care about any of it. My son, looked up this company and there are awful things being said about their practices, and the people who manage the company. The President's name is Steph Lavigne and there are some horrible things said about him. That he flaunts his money, and brags about having sex with employees and clients. Then there is something about someone flying around on private jets and doing awful things with women. Who are these animals and how do they get away with this?

I have contacted the FTC and the Consumer Federal Protection Burea

I have been contacted by this company over 7 times a day. They continue to call and call my number, yet never leave a message. They have called my cell phone 4 times even after I told them stop calling me. I do not even owe this company money, and feel they are trying to scam me.

I am a professional with a career, and not someone who takes these things lightly. When I called their main office, I was put on hold for 10 minutes and then hung up on after I started asking simple questions, like "How did you get my number". I looked this company up and there are some terrible things being said about their collection practices, and even people who work in the company. I then looked up some of their leadership through networking sites such as Linkedin. What a joke, the President/CEO looks like hes on a photo shoot on some yacht. I guess that is why this company is not too professional, look whose at the top. Someone named Steph Lavigne.

I am filing a complaint with the CFPB, and the Federal Trade Commission for harassment.

I'm going to do this again! If you don't have the guts to expose yourself, you shouldn't talk about van ru! Not a bad company, just some questionable decisions that you might have made. Until you're flying the plane, sit in coach and pray your ### hits the ground without incident! If you're not the pilot, shut up!

I was a manager at Van Ru for over 7 years. Just when I thought things were getting better from the last disaster of leadership, I was terminated by the current. I delivered performance, managed my team professionally, and did everything and then some for Steph and his "team" - Then we caught wind of the executives potentially losing out on their bonuses, and more then 50 of us were terminated. Just like that, after all of our service. The things they would make us do and say to consumers are totally illegal. Threatening legal action, and sending a sheriff to their homes. They even have a way of sending only compliant calls to clients, to make sure they pass audits. We were told on several occasions to roll post dated checks from one month into another to make our numbers. All Steph Lavigne cares about is filling his pockets and it doesnt matter at whose expense it is. They have been sued countless times not only for FDCPA law suits, but just refusing to pay vendors and subcontractors. These guys refused to pay millions to one of the sub's just so they could take it for themselves. Pure ### at every level. The original owners son, was always flying around on his private jet bragging about hookers and doing blow. Now Van Ru has Steph, posing on yachts and wearing a new watch every week. Either way the employees are the ones losing, and the clients are losing even more with their shoddy accounting practices. Shut these down

I have been contacted by this company 5 times in one day. Whenever I pick up there is some person screaming at me. Telling me I am a deadbeat and that the sheriff is going to come and take my car. I am a single Mother of 3 children. They then deposited my payment 4 times causing over drafts in my account.

But what is worse, is I did research on the company, and looked up their "President Steph Lavigne" On this guys Linkedin Profile he is standing on a Yacht with a big smile on his face. He looks like a complete [censored]. Real professional from a company that has been in business for 50 years or so they say. I then found Roger Rubin, who is part of the family that owns this company. He is a photographer who takes pictures of costa rican strippers. These guys have to be kidding as they flaunt their money to people who are struggling.

I have contacted the FTC, the CFPB.

I have worked with Van Ru and the excuse for an executive management team for years. Steph Lavigne, Skip Spillone, John Terry and the rest of these clowns should be shut down. They take advantage of their 93 year old owner, and rip off not just the owner but their clients. Instead of taking less in their quarterly bonus they terminated 80 employees. Steph thinks because he finally made it after 30 years in an industry he is entitled. He talks about how he has the Department of Education, and Navient clueless to how he delivers performance. Skip is a slimy used car salesman and John Terry spends more time with strippers then whatever he is paid to do. This is just the tip when it comes to what these low lifes will do to families if it fills their pockets. Steph talks about how this client gave him oral sex, and how he has certain banks on his private payroll. In reality he is a low life who wears shortsleeve dress shirts and thinks his staff loves him when they are walking out every day. He is such a jerk off he has his wife bragging to 12$ an hour employees how she paid 27k for a table in their house. He has run the company into the ground and everyone knows it. Wouldnt be shocked if they get shut down

I called Vanru credit corporation in FebRuary to start making payments on my defaulted loans. In february the very same day I made a payment a sent it my paperwork so that they can send me out a rehabilitation agreement. Now March comes and the take the money out of my account 100.00 again which I gave permission to. But no rehab agreeement, now April comes and had i not contacted the rep that helped me I would of never known that my rehab agreement was not accepted, not only was it not accepted it went up an additional 79.00 which is now a total of 179.00 not only was i upset that it took 2 months for them to get my paperwork done now my future school studies have been postponed. i was supposed to start in July once my 6th payment was confirmed and transferred back to the department of ed so that my new loans could be applied. I now cannot start until Jan 2016 because my first 2 payments which they took were not valid. Not only that how are you supposed to pay off a laon with this agency when they continue to add on money to the collection fee and the interest? My case was mishandled and I WANT MY ACCOUNTS RETURNED TO THE US DEPT OF EDUCATION IMMEDIATELY BECAUSE NO ONE AT VANRU CAN SEEM TO GET YOU A DIRECT ANSWER, THEN WHEN YOU ASK FOR A SUPERVISOR YOU ARE TOLD THEY ARE OUT TO LUNCH. IM SURE YEA OK.

MY AGENTS NAME WAS SCOTT SERJACK NOW HE WAS VERY NICE IN THE BEGINNIGN BUT WHEN I CALLED THEM OUT ON THEIR INACCURACIES AND DELAYS WITH INFORMATION THE REPSONSE I RECIEVED WAS CALL BACK IN AN HOUR BECAUSE THE SUPERVISOR IS OUT! THIS IS RIDICULOUS, WHO DO I NEED TO SPEAK TO IN ORDER TO GET MY ACCOUNTS BACK TO DEPT OF ED IMMEDIATELY?

Business is not applying collected funds towards the Total Balance. Total Balanced increased by $2000 with Wages being garnished, and bank account being drafted. This company has sent papers and information that contradicts what's being done. This company is a Fraud and I want my collected funds/money refunded back to me. Especially since it has not been applied to the balance on the account.

This company called me on a Friday after noon while I was at work. They lead off by asking my name and then told me to verify my social! First off they never said who they were or what they were calling about. COMPLETELY UNPROFESSIONAL! 2nd after obtaining that info, they told me that my credit was in jeopardy due to a repossession my old company had. I had dissolved the company and paid off all debts 10 yrs ago! They are claiming that I hadn't and that I owed a substantial amount. 17, 000 dollars. I explained to them how I dissolved the business and all the facts to prove so. They continued to say I still owed the money and that I could not just walk away from this. Then they proceeded to tell me that if I paid them 2, 000 dollars that their client would settle and this problem would go away.The nerve of this company has me so aggravated. How do they obtain so such information and where are they getting their facts from? I paid this off over 10 yrs ago! I refuse to pay it again!

Van Ru has been garnishing my wages to the tune of 15% for the last six months for student loans, yet I've never received a statement and when I call to get information I am told they have no record of me. This is hundreds of dollars every month that hits my family hard and I can't even get an assurance that the money is being applied to my debt or what my balance is. Appalling lack of organization or professionalism.

I have no idea why this company is harassing my mother. I don't even know why they would be calling. I haven't received any letters from this company. My mother who lives in Montana is receiving harassing calls from this company asking for me. They left a [protected] number that I called but it was an automated message asking for my name, account # and social security #. As I don't know what they want, I only left my name and phone #. My mother's name and phone # are not on any of my financial documents. Isn't it illegal for a credit company to harass family members who are not listed on our financial documents?

It seems most people complain about this company and student loans. I have dealt with my fair share from Sallie Mae and last March actually received an apology from Sallie Mae about my debt, I think they knew I was about to sue them. As for Van Rue, I began receiving calls from them about a month ago. They were calling about an old credit card I had. They stated that I owed $3000 but could settle for $1500. I said I didn't have that and they convinced me to get on a payment plan of $20 per month, like an IDIOT I agreed. They told me that when this debt was paid off it would be removed from my credit report and further collections would stop. After speaking to them I checked my most recent credit report and much to my surprise, that particular debt was no longer on there and the statute of limitations for a lawsuit had passed. I immediately cancelled future payments to this company. They haven't called yet but I expect a call any day where I will inform them of the law and demand they stop calling.

This company keeps calling my widowed mother and harrassing her. My parents never had credit cards and bought multiple farms without ever having a mortgage. They have never bought anything on credit - cash only.

When these people call, they ask for my deceased father. They are calling under the number [protected]. The few times my mother did answer the phone, the person calling was rude and would not take the answer my father died 6 years ago.

I'm also reporting these people to the state attorney general. If you have family members, especially elderly, please warn them about this company.

Van Ru Credit Corporation is Charging me for a bill that someone else owes and they know it. They are harassing me and I will not stand for it. They know who really owes the bill. So, don't bother me! If you chose to make a charge then bill the right person. Mark Jones which has the possession of the item(s). He felt that since he had control of the vehicle all he had to do was pay an insurance bill to keep him hidden. But, he cared nothing about paying for the car. Credit Companies would not bother him.

Someone keeps selling an Account to other Creditors, that has been payed off for over 2 yrs.

I'm tired of having to deal with this. Phone calles at all hours of the Day and Night.

This was a Car Loan and the Vehicle was Repossessed. Do they actually think I will or even could pay this Loan more than one time.

I settled with the original Creditor and payed the remaining Balance.

Why am I being harassed about this Loan over and over?

This is the 4th Creditor trying to collect on this.

BACK OFF! I've had it.

I have been working with these idiots for the last several months trying to get my student loan in good status. The worker that they have don't know what the hell they are doing. They send you information that is incorrect. Have your name spelled wrong, numbers wrong and are not willing to help. Why are you working if your can't get the information right. I called the DOE to let them know and they are ###s too! Just send the thing the next day since it is your mess up. The customer service is awful and needs improvement especially when you have a customer that is working with you. Stop being ###s!

My father passed away in 1997 with no outstanding debts. My mother passed away in 2003 with minor debt that was quickly cleared. In 2008, I began to get phone calls from Van Ru for my father -- a full 11 years after his death. When I informed them that he was deceased, they insisted that they needed a copy of his death certificate. I refused. They called so many times that I ended up setting up call-blocking on my home phone. In 2009, they began calling again with a different number. Blocked that one, and they called with yet another number.

I finally put on my sweet voice and called the last number, asking for the spelling of the company name, could I please find out what this was about, etc. They never identified themselves as a collection agency, I found this out by going online. They said they wouldn't stop calling OR give me any information about the nature of their calls until I provided them with the death certificate.

I'm torn about whether I should do this, because I'm afraid they will then come after me for a non-existent debt.