#ivr full form in banking

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Understanding IVR Full Form and Its Importance in Modern Business

In today’s fast-paced digital world, businesses are constantly seeking innovative ways to improve customer service and enhance operational efficiency. One such technological advancement that has transformed customer interactions is IVR (Interactive Voice Response). In this article, we will explore the IVR full form, its working mechanism, benefits, and applications across various industries.

What is the IVR Full Form?

The IVR full form stands for Interactive Voice Response. It is an automated telephony system that allows users to interact with a computerized voice menu using voice commands or keypad inputs. IVR technology is widely used in customer support, banking, healthcare, and other industries to provide automated services and streamline communication.

How Does IVR Work?

IVR systems function through a combination of pre-recorded voice messages, text-to-speech technology, and dual-tone multi-frequency (DTMF) signals. Here’s a step-by-step breakdown of how IVR works:

Caller Initiates Contact: A customer dials a business phone number, which is connected to an IVR system.

Automated Greeting: The IVR system greets the caller with a recorded voice message and presents options.

User Input: The caller responds by pressing keypad numbers or using voice commands.

Routing and Processing: The system processes the input and directs the caller to the appropriate department or provides automated information.

Resolution or Transfer: Based on the query, the IVR system either resolves the issue or transfers the call to a human representative.

Types of IVR Systems

There are two main types of IVR systems:

1. Single-Level IVR

This type of IVR system has a simple menu with a limited number of options. It is suitable for businesses with straightforward customer service requirements.

2. Multi-Level IVR

A multi-level IVR system provides a more complex menu structure, allowing callers to navigate multiple options before reaching their desired destination. This is ideal for large enterprises with diverse services.

Benefits of IVR Systems

Implementing an IVR system offers numerous advantages, including:

1. Enhanced Customer Experience

IVR systems reduce wait times and provide instant responses to customer queries, improving overall satisfaction.

2. Cost-Effective Solution

Automating customer interactions minimizes the need for human agents, reducing labor costs and operational expenses.

3. 24/7 Availability

Unlike human representatives, IVR systems operate round the clock, ensuring customers receive support anytime.

4. Efficient Call Routing

IVR technology intelligently routes calls to the right department, minimizing misdirected calls and improving efficiency.

5. Data Collection and Insights

Businesses can gather valuable customer interaction data through IVR systems, enabling better decision-making and service improvements.

Applications of IVR in Various Industries

IVR technology is used across multiple sectors to enhance customer service and streamline operations. Here are some key industries benefiting from IVR systems:

1. Banking and Finance

Banks use IVR systems to facilitate balance inquiries, fund transfers, loan applications, and credit card services without human intervention.

2. Healthcare

Hospitals and clinics leverage IVR for appointment scheduling, prescription refills, and patient feedback collection.

3. E-Commerce and Retail

Online retailers utilize IVR to handle order tracking, return requests, and customer support inquiries efficiently.

4. Telecommunications

Telecom companies use IVR for bill payments, service activations, and technical support assistance.

5. Travel and Hospitality

Airlines, hotels, and travel agencies implement IVR for flight bookings, hotel reservations, and travel updates.

Challenges and Limitations of IVR Systems

Despite its advantages, IVR technology has some challenges, including:

Complex Navigation: Overly complicated menus can frustrate customers.

Limited Personalization: Automated responses may lack the personal touch of human interactions.

Language Barriers: IVR systems may struggle with diverse accents and languages.

Technical Glitches: System failures or poor voice recognition can lead to miscommunication.

Future of IVR Technology

With advancements in Artificial Intelligence (AI) and Natural Language Processing (NLP), the future of IVR looks promising. AI-powered IVR systems can provide more personalized and intuitive interactions, reducing customer frustration and improving efficiency. Integration with chatbots and voice assistants will further enhance the capabilities of IVR systems.

Conclusion

Understanding the IVR full form and its significance in modern businesses highlights its role in automating customer interactions and improving efficiency. Whether in banking, healthcare, or retail, IVR systems offer cost-effective, 24/7 support solutions. As technology evolves, AI-driven IVR systems will revolutionize customer service, making interactions more seamless and engaging.

By implementing IVR technology effectively, businesses can enhance customer satisfaction, optimize resources, and stay ahead in the competitive market.

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IVR stands for Interactive Voice Response. It is a technology that allows a computer to interact with humans through the use of voice and DTMF tones input via a keypad. IVR systems are commonly used in telephone systems to provide automated phone menus and gather information from callers. They can also be used for various purposes such as banking, ordering products, and more. It's a method of providing automated services through a phone call, without the need for human interaction.

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While self-service is the key to helping customers find information quickly, IVR full form interactive voice response is an essential tool to make it come true. IVR uses speech recognition or tone technology to identify and direct callers to the most qualified agents, which generates greater efficiency in the clients' experience.

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Employee Benefits: 5/1/08

Amazon will not send twosome states. In 1967, it was the first Commonwealth Caribbean country to seek membership in the Organization of American States (OAS) and the Inter-American Development Bank (IDB). OSHA has decided not to include debridement as a first aid treatment. OSHA also does not distinguish between various kinds of health care professionals, assuming they are operating within their scope of practice. It collects information about licensure and certification actions, criminal convictions, exclusions from federal and state health-care programs, civil judgments (other than malpractice actions) related to health care, and other adjudicated actions or decisions. While credentialing does not guarantee the provision of quality medical care, it is an important indicator of the managed care company's commitment to provide high-quality levels of care for plan members. The others had some interesting ingredients and although not particularly harmful, I like to take only the purest and highest quality ingredients. In addition, many medical expense plans have come to realize that they cannot always provide as high a quality of care as a well-managed specialty provider. 50,000 became subject to the imputed income rules of Section 79, based on Table I cost, which are relatively high at older ages. Another approach, illustrated in Table 2, bases the duration of benefits on an employee's length of service. And don’t believe all the hype you hear about so and so supplement has some magic power as there has not been a conclusive scientific on the benefits. Multiple nations which have declared their hatred for our way of life possess the capability to launch nuclear weapons which could take down our power grid. The government probably has some transformers tucked away (any maybe stored in an EMP-proof Faraday Cage) in a warehouse somewhere, but do you want to bet your life and the life of your family on it? The cancer conspiracy would suggest that the government is so concerned about keeping the business running (in this case the hospital beds full) that they would hide any discovery that would free up hospital resources. Rather, representative decided it better to argue with me over what the actual day count was and that I would be entitled to a refund after 25 business days, even though that completely contradicted what was written in confirmation email. 3 to 10 days, online pharmacies depending on the point of origin. One should realize that only large firms with many employees would be able to meet all the characteristics of the ideally insurable risk. This shifts much of the financial risk of higher-than-average claims to the carve-out vendor. 2. Mind you, exercise does not make the blood glucose go down immediately. 6. Exercise comes in different forms from just standing more often than sitting down, walking and just keeps on moving along. See more tax scams. At least one of them was motivated to pursue cancer research by the loss of a close relative. Showers are one of the most water-wasteful activities that takes place in any household. Amaryl is one sulf that turns out not to affect the receptor on the heart that the older drugs did. We do not sell prescription drugs! Another disturbing prescription drug statistic is that prescription drug abuse is rising fastest among people 12 to 25. Since the mid 1980’s, prescription drug abuse has increased fivefold. As Governor Hickenlooper has said, Utah has half as many people as Colorado, but invests nearly four times what Colorado does toward improving road capacity each year. 11,000 per year for families with young kids. Aside from going after your money, some scammers also try to obtain your personal information for use in identity theft. Building Workflow Solutions with the UCMA Workflow SDK - You use the UCMA Workflow SDK to build communications-enabled workflow solutions such as IVR systems and virtual personal assistants. The acceleration of particles can occur as the result of a solar storm, a nuclear bomb, or even due to a simple, yet strong, bolt of lightning. At The Online Drugstore, your favorite health and beauty products are just a click away. The challenge is that many state and local public health departments do not offer the ability to receive and query immunization data. U.S. daily newspapers are not currently available in Trinidad, except on the Internet on a limited and delayed basis at some hotels. If there are medical concerns then the patient may be referred to primary care for physical examination and/or basic labs. Therefore, there is no need to consider hot and cold therapy to be medical treatment, in and of itself. 45 a day when available, but long term rates are lower. Insurance companies charge administrative expenses that are added to the premium (or loaded) to compensate for their overhead expenses.

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How Do I Get a Refund from Southwest Airlines Due to Covid-19

Get a Refund from Southwest Airlines Due to Covid-19

The Southwest Airlines Covid Refund Policy is different for refundable and non-refundable tickets. There are a lot of changes in the flight schedules due to the covid 19 pandemic. Passengers as well the airlines have been affected to a great extent.

You have to follow the normal refund process of the airlines to get a refund if the airline cancels your flight booking due to covid 19. You get all the details through messages on your registered phone number and the flight status on the official website is also updated with the same information.

You can get a refund from Southwest Airlines due to Covid-19 through the below-mentioned process-

1. Login into the official website of Southwest airline

2. Select the change/cancel option on booking IVR on the home page of the official website

3. Enter the details of your confirmation number, first name, and last name

4. Select cancel the flight and initiate the process of refund.

5. Download the details for further reference

You can complete the refund process on your own or you can get more knowledge through Southwest Airlines Covid Refund Policy if you get stuck at any stage of getting a refund from the airlines

The policy to get a refund from Southwest Airlines Due to Covid-19

The official website of the airline contains all the details regarding the refund policy of the airlines. A separate column has been arranged for the refund policy if the tickets are canceled due to the covid 19 pandemic.

You can understand the policy to get a refund from Southwest Airlines Due to Covid-19 of the airlines through the following points-

1. The airline uses the Southwest Airlines Covid Refund Policy to inform you about the status of the flight booking through message or through the official website.

2. You can apply for a refund on the official website or the mobile application.

3. You can contact the customer care service to complete the refund process if applicable.

4. You get a full refund on the refundable tickets in the manner of the booking of the flight.

5. You do not get a refund on non-refundable flight tickets but you get travel funds that can be used at a later date before its expiration date.

6. According to the Southwest Airlines Covid Refund Policy, you get the refund amount (if applicable) in the manner of booking.

7. You get a refund from Southwest Airlines Due to Covid-19 in form of a cheque issued in the name of the passenger if you had paid cash at the time of booking your flight ticket.

8. The tickets booked through a debit card or credit card get a refund in their bank account attached with the debit card and credit card. It takes 5 to 6 working days in getting a refund from the airlines.

All the information related to cancellation and refund is available on the official website of the airlines. You get the latest updates regarding Southwest Airlines Covid Refund Policy from the social media platforms such as Twitter, Facebook, and youtube as well.

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10 Reasons Why Your Business Should Accept Digital Payments

Chasing after clients to get paid is a full-time job no matter what type of business you operate. Unfortunately, providing your customer a payment receipt does not guarantee that you will be paid in time. Accepting payments has gotten easier for both you and your customer thanks to the best payment gateway solutions in India.

The wand of cash may feel comforting in your hand, but what you don't realize is that it could be a major impediment to your company's overall success. When it comes to running a business in today's modern world, the cold hard cash and those flashy coins may provide you with the ultimate delight, but these cryptic means of receiving payments may become an unwanted strain.

It's unlikely that eliminating physical forms of transactions will ever be a viable option. The majority of businesses rely on cash to survive. It is critical that you comprehend the operation of your company and design a strategy accordingly. Integrating digital payment modes could provide your company a competitive advantage. Regularizing digital payments might help your company manage its finances more effectively and expand its market.

There could be a slew of reasons why you should only accept cash payments. However, we've put together a list of ten simple logics that explain why the best payment gateway solutions in India can offer your company the push it's been looking for.

                                  < Photo created by freepik.com >

1. Immense growth in the digital payment sector

Looking to immense growth and opportunity in near future, it has become essential for businesses to adapt digital form of payments if they wish to thrive.

2. Innumerable payment options

Think more than just cash. Accepting payments through digital medium provide your customers with a plethora of options that they can choose from, as per their convenience. This includes UPI, Debit and Credit cards, Bharat QR, Link Based, IVR, POS and mPOS, IPG and so on. Is your business taking the leverage of this digital boost?

3. Avoid the hassle of counterfeit and change

Does the thought of counterfeit still worries you? Do you constantly lose your customers because you don’t have change? If these questions keep troubling you day and night, it’s time to change the way you undergo business. Accepting payments through online modes keeps you at bay from accepting counterfeit currency. It also diminishes your problem of constantly looking for change, allowing you to focus completely on your business and sales.

4. Get paid directly in your bank account

Constantly running to the bank with a cheque or a substantial amount of money does not seem feasible for someone who has to run a business. When accepting payments digitally, you save yourself from the constant struggle of going to and for bank every time after getting paid. With digital payments you get the benefit of getting paid directly in your bank account.

5. Nudge your clients politely over outstanding payments

Every customer avoids paying. They would stretch and delay it as much as they can. You might remind them once or twice, but constantly poking them about outstanding payments may make them irritated, leading them to avoid doing business with you. With digital payments, you can gently remind your customer about an unpaid amount by sending them payment links through which they can make payment to you. Link Based payments allow you to generate and send payment links to your customers on WhatsApp or SMS, favoring them to make payment while sitting at home.

6. Get paid in days, not weeks

Not only do digital payments save your trip to the bank, it also invariably reduces the efforts your customer needs to put in when paying you through cheque or other such ways. Digital payments are instant and require minimal time and effort.

7. Reduce the risk of theft

Keeping a generous amount of cash may always attract problems. This may make your business an easy target for the criminals. When a business goes cashless, the risk of such notorious activities drops significantly. Accepting the best payment gateway solutions in India can not only shield you and your business from getting robbed but it will also provide your business with the thrust that it has always desired.

8. Extend beyond your immediate neighborhood/ Attract Savvy customers

When you indulge in digital payments you take your business beyond boundaries. A cashless, digitally equipped business will appeal more and would hence attract a wider range of customers. Help increase your customer base by enriching your business with digital payments and open new opportunities via SEO marketing.

9. Go for higher value transactions

If you want to get out of the low-value-transaction segment, then opening your arms to digital payments is your best deal. A lot of people do not indulge in making higher value transactions in cash. This is where digital payments come to your rescue. Digital payments are not only easy and accessible but making payments through digital modes such as, credit cards also allows you benefits like EMI.

10. Track your transactions and its settlement on real-time basis

Dashboard and Merchant console system, a recently evolved solution, allows merchants to track and keep a check on the transactions they have received and allow them to monitor its settlement in their bank accounts on a real-time basis.

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Customer Self-Service Software Market | Latest Innovation, Advance Technology, Top Companies , Revenue Growth and Forecast to 2025

The customer self-service software market was valued at USD 7.20 billion in 2019, and it is expected to register a CAGR of 20.94% during the forecast period from 2020 to 2025. An increasing number of organizations now understand the benefits of reliable and dedicated self-service portals for enhancing the company's overall brand image. Self-service portals provide customers with instant access to information, allow personalization, and save valuable time and organizational resources. It has become so crucial that, according to SuperOffice, 70% of customers now expect a company's website to include a self-service application. The customized knowledge-based self-service portal is playing a significant role in bringing in more website traffic. According to Salesforce, 39% of millennials check a company's FAQ first when they have a question, showing a strong preference for finding answers. - Some of the significant features of customer self-service software are: it provides information to users without human interaction, assists end-users in completing familiar tasks, and provides continuous support to end-users seeking assistance. Most of the companies' helpdesk are failing to deliver required expectations, either due to short-staffed or due to lack of knowledge to answer a question immediately. Hence companies are adopting these self-services, which help users find solutions themselves often through a knowledge base or automated task management platform. - According to Oracle, web self-service can reduce costs by as much as USD 11 per call while handling support in multiple customer service channels. According to Dimension Data, although Web-based services account for a significant portion, 55% of customers find web-based self-service portals challenging to use. Many companies are mainly focusing on enhancing their knowledge base. According to SuperOffice, in the process of merging content, removing outdated material, and ranking content by most popular response, the company witnessed an increase in FAQ reads from 50,000 in 2017 to more than 300,000 in 2019. Therefore, many companies are adopting knowledge-based solutions that are consistent, user-friendly, simple to understand, and capable of utilizing a range of media while updating in real-time.

Click Here to Download Sample Report >>  https://www.sdki.jp/sample-request-90136 - The adoption of digital assistants is one of the significant trends emerging in the market. In the Retail and BFSI industry, chatbots have become a primary self-service feature. The companies are also utilizing digital virtual assistants to enhance the customer experience. To leverage competitive advantages, more companies are implementing AI- and ML-enabled chatbots, as well as other forms of virtual assistants, to enhance the customer experience. Further, chatbot technology is gaining a lot of interest, with several companies making significant investments in Customer Relationship Management (CRM). - Companies, like Oracle, are claiming that the recent COVID-19 crises have further expanded the scope of digital assistant or chatbots among the organizations, not only for consumers but also for employees. Many of AI-enables solutions include conversational service via chatbots to answer questions 24/7 while reducing incoming chats and calls. The recent increase in the work-from-home model can also expand the use of digital assistant for both consumers and employees. In many industries, contact center managers are witnessing an increase in the volume of inbound customer service calls during the COVID-19 outbreak. In contrast, most contact centers could not operate at full capacity. Hence, AI-based digital assistants can play a significant role in this. Key Market Trends Retail is Expected to Hold Significant Share - Retail is one of the major investors and adopters of the customer self-service solutions for many years; the trend is also expected to continue in the coming years. Retail companies are vying to deploy new technologies and are witnessing the growing adoption of self-service checkouts. Self-service has already made inroads in the product-scanning technology, which is being incorporated by retail majors. - According to Jumper.ai, chatbot technology isn't just a customer service tool for retailers, as it also can collect unique first-party customer data. The recent trend of AI in the sector is also developing space for technology. According to analytics firm Invoca, nearly half (49%) of the US consumers trusted advice generated by AI technology in the retail category, more so than any other type analyzed. In May 2020, Wallmart used the first-ever AI-powered Self-Service Scales to its stores in China. - US-based Zappix offers cloud-based Digital Self-Service solutions that leverage the speed of Visual IVR and the convenience of Robotic Process Automation (RPA) to provide enhanced customer experiences. Some of the claimed benefits of the solutions for retailers mentioned by the company are reduced calls to agents, lower contact center costs, enhanced customer experience, automation of repetitive processes, targeted revenue growth opportunities, enabling live agents to focus on high-value queries, and shorter average handling times per call, among others. - Zappix also claims that its solution can be integrated with any CRM, Order Management System, and other back-end systems to connect customers directly to the retailer. The company also offers Zappix Actionable Analytics that tracks the customer journey and provides reports analyzing consumer behavior and trends. With other retail companies expected to follow suit, the demand for self-service solutions poised to increase. However, the risks of data theft, fraud, and losing a touch-point with the POS customers are expected to challenge the deployment of self-service solutions in the retail industry. North America Contributes to Maximum Market Share - North America has the largest market share and dominates the customer self-service software market. This is due to the rising social media penetration, significant self-service software vendors, and high cloud-based deployment of self-service solutions. The increasing penetration of web self-service solutions and mobile among consumers is also estimated to encourage the growth of the North American market in the next few years. Additionally, the presence of several leading customer self-service software players is anticipated to supplement the development of the market studied. - US-based Big Fish Games uses an automated SmartAssistant that leverages information from the customer’s web session (including keywords searched), to offer a 360° personalized service. Using this approach, Big Fish Games has increased its customer satisfaction to about 94%, achieved a self-service web rate of 96.4%, and saved USD 870,000. The recent COVID-19 outbreak further expanded the scope and adoption of customer self-service solutions in the retail industry. For instance, Walmart, in its 22 Canadian stores, deployed self-scanning outlets. - Walgreen’s Drugstore.com offers web self-service on Facebook and Twitter. Customers who search and shop online can chat with an agent, to find products, resolve issues, and learn about promotions. With this strategy, the company has raised order sizes by 20%, and saved around USD 350,000, through call deflection. 7-Eleven Inc., an American international chain of convenience stores, offers chatbot on Facebook Messenger to enhance the customer experience. The chatbot converses with the customers, using AI that powers automation, but also lets the users sign up for the 7Rewards customer loyalty program, and find a nearby store with available discounts and promotions. - Large companies in the region have already embraced AI as a part of their digital transformation. For instance, banking service providers, like JP Morgan Chase, Bank of America, and Capital One, have already deployed virtual assistants in the form of chatbots. They have also successfully streamlined their back-end operations, such as workforce management, thereby saving high costs. IBM offers AI solutions for call centers, quoted that bot interactions in the banking industry are expected to hit 90% by 2022. Competitive Landscape The customer self-service software market is fragmented, due to the rise in self-service, like ATMs, Kiosks, and vending machines. The need for the software is also increasing, which makes the market attractive for many companies to enter with their product offerings. Moreover, many players are offering many solutions catering to the need of the consumers. Some of the key players in the market studied are Oracle Corporation, Salesforce.Com Inc., SAP SE, Microsoft Corporation, BMC Software Inc., and Verint Systems Inc., among others. - May 2020 - Oracle announced the availability of Oracle Analytics for Cloud HCM which is built on Oracle Analytics Cloud and Oracle Autonomous Database, Oracle Analytics for Cloud HCM provides HR executives, analysts, and business people with better insights into workforce management by enabling a comprehensive view into data from across the organization. The self-service analytics capabilities help customers get the maximum value of Oracle Cloud HCM. - November 2019 - SAP SE and Accenture formed a partnership for co-innovating and co-developing the new SAP Cloud for utility solutions to help companies manage business processes and customer experiences more effectively. SAP Cloud for Utilities utilizes smart technologies and real-time business insights, offering better capabilities around marketing, product bundling, self-service, and the fulfillment of multiple functions. Reasons to Purchase this report: - The market estimate (ME) sheet in Excel format - 3 months of analyst support

The dynamic nature of business environment in the current global economy is raising the need amongst business professionals to update themselves with current situations in the market. To cater such needs, Shibuya Data Count provides market research reports to various business professionals across different industry verticals, such as healthcare & pharmaceutical, IT & telecom, chemicals and advanced materials, consumer goods & food, energy & power, manufacturing & construction, industrial automation & equipment and agriculture & allied activities amongst others.

For more information, please contact:

Hina Miyazu

Shibuya Data Count Email: sales@sdki.jp Tel: + 81 3 45720790

Related Links https://www.sdki.jp/

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Unemployment on Cook & Co. News

New Post has been published on https://cookco.us/news/unemployment/

Unemployment

Claims and Benefits FAQ

The following questions and answers have been selected to help you better understand the Unemployment Compensation Claim (UC) process and to become more comfortable with the terminology. These questions are targeted towards individuals filing their first unemployment claim.

Q. How do I file a claim? Online here https://labor.alabama.gov/uc/ICCS/default.aspx. You can also file your claim from any touch-tone telephone by calling the Initial Claims Line (toll free) at 1-866234-5382. Your call will be answered by an electronic Interactive Voice Response (IVR) system, which will ask you some initial questions. You will then be automatically connected to one of our friendly Customer Service Representatives to complete your claim. We recommend that you do not use a Cellular telephone for this process because calls may be dropped by your service prior to our system saving the information. If you are on a temporary lay-off and will be going back to work for the same employer, your employer may have arranged to file your claim at your place of employment. Check with your employer if you think this has been arranged.

Q. What do I need in order to file my claim? You will need your social security number and the name, correct address, and dates of employment for your most recent employer. In order to verify your identity, we will also need a driver’s license or state issued ID card number and your mother’s maiden name. If you are separating from the military, you will need the member 4 copy of your DD214. If you are not a citizen of the United States, you must provide us with your work authorization number.

Q. How long will I have had to work to be monetarily eligible for benefits? You must have wages in at least two quarters of your qualifying period (base period). The base period is the first four quarters (12 months) of the last five completed quarters from the date your claim is filed. For example, if your claim was filed effective October 5, 2019 your base period would the 12-month period beginning July 1, 2018 and ending June 30, 2019. The total of your base period earnings must equal or exceed one and one-half times your highest quarter earnings.

Q. Can I receive benefits if I quit my job or if I am terminated? Generally, you must meet certain requirements to be eligible. You must be able to work, available for work, willing to accept suitable work, actively seeking full time work, and be out of work due to no fault of your own. If you voluntarily quit your job, the burden of proof is on you to show that you quit for a good work-connected reason. If you are terminated or discharged, your employer must show that you were terminated for a workconnected cause as stated in the Alabama UC Law.

Q. Can I receive unemployment if I am working part time, my hours have been reduced by my employer, or I have been furloughed? If you did not ask for a reduction in hours, it is possible to receive unemployment if you are working and your gross weekly earnings are LESS than your weekly benefit amount. In order to determine what your weekly benefit amount would be, you must file an unemployment claim. If approved, you would report your weekly earnings from Sunday to Saturday each week. If you earn less than your weekly benefit amount, you would receive a reduced payment for the benefit week. Unemployment Compensation is paid on a calendar week basis and must be filed during the week you are unemployed or working reduced hours with earnings less than your weekly benefit amount.

Q. If my hours are reduced or I have been furloughed, will Unemployment Compensation replace my lost wages? No, unemployment compensation will not replace your lost wages by supplementing your lost income due to reduced work hours or a furlough. Whether or not a person is eligible for unemployment benefits is determined by the weekly benefit amount for which you qualify (maximum in Alabama is $275 a week) and your gross weekly earnings. If your gross weekly earnings are less than your weekly benefit amount, you would receive a reduced payment for that week. If your gross weekly earnings are greater than the weekly benefit amount for which you qualify, you will not be eligible for unemployment compensation.

Q. How soon after I am unemployed can I file for benefits? You should file immediately. Your claim will be effective the Sunday proceeding the day that you file for benefits either online click here or by calling 1-866-234-5382. Your claim is in effect for 365 days from that Sunday.

Q. How much can I receive each week? Benefits per week range from a minimum of $45 to a maximum of $275 (effective January 1, 2020) calculated using your base period earnings. On the day after you file your claim, a form is mailed to you (monetary determination) that lists all of your base period wages by employer and the total and weekly amount to which you may be entitled.

Q. Can I receive benefits during all of my benefit year? Generally, you will qualify for a set number of full benefit weeks ranging from 14-20 weeks. The maximum amount allowable for the benefit year is based on the unemployment rate. If you return to work or if you have deductible income for any week, you may draw reduced payments and increase the total possible length of time that you can draw. The total amount that you can draw for the year is the maximum benefit amount shown on your monetary determination.

Q. What if I have work in another state? When you contact the call center, a representative can help you determine if you need to combine your wages from other states to file a claim. You will need to be prepared to discuss the last 18 months’ work history for this information to be correct. The call center representative is trained to help you decided what type of claim will benefit you the most, and will provide you with these filing options.

Q. What if I am monetarily ineligible? No benefit year is established on ineligible claims. This allows you to file again when your base period changes. Be sure to ask for a specific date as to when the quarters will change so that you can file again as soon as possible if you are still unemployed. If you have worked for cash or received a 1099, this could have affected your unemployment benefits. Please email us at TipHotline@labor.alabama.gov or call 1-855-234-2856 for help.

Q. What if some of my base period wages are missing or seem incorrect? If your monetary determination has missing or incorrect wages, telephone 1-800-361-4524 immediately. A request for a re-determination may be needed, in order for us to locate missing or incorrect wages. If you have worked for cash or received a 1099, this could have affected your unemployment benefits. Please email us at TipHotline@labor.alabama.gov or call 1-855-234-2856 for help.

Q. When do I report earnings? When you file your weekly certification for benefits, you should report any wages you earn for any work performed during the week you are claiming. Remember—you report your gross earnings during the week in which they are earned, not when they are paid. This is a mistake that could result in an overpayment of benefits.

Q. How do I file my weekly certification? There are two methods to file your weekly certification. You can file online, click here, or you can call the weekly certification number provided to you during your Initial Claims filing process. In either case, be sure to follow all instructions completely.

Q. Why can’t I receive benefits if I am in the hospital, or can’t work for any reason, for a week or longer? You must be available to accept full time work and be able to perform work in which you have prior training or experience in order to be eligible for any week of benefits.

Q. When is my payment going to come? Weekly and very quickly, if you have followed all of the procedures provided to you, there are no issues to be resolved, and your claim has been cleared for payment. Occasionally, delays may occur but, normally, if you certify before 5:00 pm your payment is made on the next business day after you call in your weekly certification. If your payment seems unusually delayed, contact your Call Center Inquiry line. Remember to allow 48 hours for the payment to be processed by the bank handling your account or Debit Card. Payments will be made through either direct deposit or the AL Vantage Prepaid Benefits Card based on the option you selected. To access your AL Vantage Cars account information, click here.

Q. What Alabama banks accept the AL Vantage Card? You may use your new card at any MoneyPass ATM Network location. Please visit the MoneyPass ATM Network website at https://www.moneypass.com/atm-locator.html to find an ATM location near you where you can access your funds at no charge. You may also download the MoneyPass ATM Locator mobile app to search for in-network ATMs on the go.

Q. How can I avoid problems with my claim or weekly benefits? Read and listen to all of the information that is provided to you. There is a lot of information provided to you when you file your claim. If you do not understand something or you feel something is wrong, ask your customer service representative when you make your claim, or call the Inquiry Line. We are always happy to assist you.

Q: Is weekend drill pay from the National Guard or US Forces Reservists reportable income on my weekly certification? No, drill pay received from participation in National Guard or US Forces Reservists for weekend drills is not reportable income. Unemployment Compensation Law provides for exclusion of this type of pay from being considered deductible income. Any pay for work other than weekend drill is considered deductible income.

Q. May an ex-service person file an interstate claim, using military wages, to qualify for UC from a state, which pays a higher benefit level? No. Federal military wages are only assignable to the state where an ex-service person is physically located when the first claim for UC is filed following release from active duty.

Q. May a military retiree, who also has qualifying civilian wages, elect not to use their military wages in the monetary determination to avoid having his military pension deducted from UC benefits? No. All wages assignable to the state must be used in the monetary determination.

Q. Am I eligible for benefits if I quit due to the relocation of my military spouse? As a spouse of an active duty member of the military, you may be eligible for unemployment benefits if you leave your job due to the permanent relocation of your military spouse. You will be required to submit proof of the permanent duty station relocation and your spousal relationship. Certain other conditions must be met in order to meet initial eligibility requirements and to remain eligible to receive benefits.

Q. How do I establish eligibility benefits under the Trade Adjustment Assistance (TAA) Extension Act of 2011? Effective October 21, 2011, President Obama signed the Trade Adjustment Assistance (TAA) Extension Act of 2011. Petitions received by the Department of Labor will be investigated under the requirements of the Trade Adjustment Assistance (TAA) Extension Act of 2011. A petition must be simultaneously filed with the Office of Trade Adjustment Assistance and the Alabama Department of Labor to establish group eligibility for benefits. Workers or their authorized representatives may file the petitions. The required forms can be obtained from your Career Center. You can also download a printable form from the Internet, in English or Spanish by clicking the word English or Spanish in this sentence.

Q. What are Trade Readjustment Allowance (TRA) Benefits? TRA benefits are a weekly allowance which may be paid to eligible workers following the exhaustion of their regular Unemployment Compensation benefits. This is usually the same amount as the UC payment in effect or established by the first separation from employment.

Q. Who is eligible for TRA benefits? To be eligible for TRA benefits, you must be:  Totally laid off within the benefit period.  Entitled to and exhausted all UC payments.  Employed by the affected employer for at least 26 weeks at wages of $30 per week or more in the 52week period ending with the week of separation.  Be in approved training (or have that requirement waived). Important Deadlines: Within 26 weeks of certification or 26 weeks of the most recent qualifying separation, whichever is later, workers must be enrolled in approved training, or have a valid waiver, to receive TRA.

Q. If I have questions about TRA whom should I contact? If you have questions with your claim or have a question regarding Trade Readjustment Allowances, contact the Call Center Inquiry Line.

Q. What is the Health Coverage Tax Credit? The Trade Adjustment Assistance Reauthorization Act of 2015 (TAARA) has reinstated the Health Coverage Tax Credit (HCTC) for eligible TAA and R/ATAA recipients. The TAA program provides two options for an eligible individual to receive the benefit. Taxpayers may elect to file for HCTC with an end-of-the-year tax credit with their 2016 return. This program established a tax credit of 72.5% of the amount paid by an individual for qualified health insurance coverage. The advance credit option will provide the 72.5% of the payable premium for a qualified health insurance plan as a monthly credit. This amount will be forwarded by the Internal Revenue Service (IRS) to the qualified health insurance plan on behalf of the individual receiving advance credit. The taxpayer will be responsible for the payment of the 27.5% of the payable premium on a monthly basis. Until the advance tax credit option is implemented, taxpayers must continue to pay 100% of the payable premium for qualified health insurance. If you have questions regarding HCTC or need additional information, you may contact the IRS. Only the IRS can determine whether you qualify for HCTC. Please go to the HCTC website at www.irs.gov/HCTC for further information on how to apply for this credit.

Q. What is Alternative Trade Adjustment Assistance (ATAA)? Effective February 15, 2011, TAA reverts from the expanded program under the 2009 Amendments to the program in effect before, i.e., TAA is now operating under the 2002 Amendments. The Trade Act of 2002 established ATAA as a reemployment assistance program for older workers certified eligible to apply for Trade Adjustment Assistance. To obtain TAA or ATAA services and benefits, a group of workers must first file a petition with the U.S. Department of Labor’s Office of Trade Adjustment Assistance (OTAA) requesting certification as workers adversely affected by foreign trade. If certified, each worker in the group may then apply separately for individual services and benefits by completing and submitting the ATAA application (ATAA-1) which will be mailed to workers near age 50. Workers age 50 and older who are certified as eligible to apply for both TAA and ATAA may choose whether to participate in the TAA program or the ATAA program, but may not participate in both. The petition forms ETA9042 in English or ETA9042(a) in Spanish, for requesting TAA and ATAA can be downloaded by clicking their respective links. The program is designed to allow TAA eligible workers who find reemployment to receive a wage subsidy to help bridge the salary gap between their old and new employment. Under the ATAA program, workers in an eligible worker group who are at least 50 years of age; earn not more than $50,000 each year in wages from reemployment; are employed on a full-time basis and are not enrolled in approved training. The wage subsidy may be paid up to a maximum of $10,000 during a two-year eligibility period. Workers are also eligible for the Health Coverage Tax Credit (HCTC).

Q. What is the Waiting Week and will I receive payment for it? The Waiting Week was implemented by legislation effective July 2008, as an unpaid period for all Unemployment Compensation recipients. In the 2012 Alabama legislative session, the waiting week was moved from the 14th payable week to the 1st payable week for all new claims effective on or after August 1, 2012. Even though benefits cannot be paid for the waiting week, for it to count as the waiting week, it must meet the requirements to be payable and a weekly certification must be filed for that period. No funds are deducted from a claim for the waiting week.

[yashasvisharma-blog]

HOW TO COMPLETE PAYTM KYC ?

What is KYC? The full Form of KYC is (Know Your Customers) is a prominent term utilized in the managing an account and money related documented. KYC is the procedure that incorporated by monetary organizations. whereby these arrangement of establishments acquire data about the character and address of the clients.

Click here to visit : office.com/setup

What is Paytm KYC? KYC represents Know Your Customer. It alludes to a standard arrangement of archives that empower the confirmation of the personality of an individual. The basic records required simply like your location verification, a picture ID confirmation, signature evidence and so forth. For this situation, Aadhar Card is the best choice for KYC. This is on the grounds that Aadhaar Card having all above data like Signature, Address evidence, Photo ID verification, just as biometric information of an individual. For what reason is it critical to complete Paytm KYC? Presently Paytm has turned into a Paytm installment bank. This Doesn't transform anything for the Paytm clients. Be that as it may, It implies Paytm is currently under the RBI rules,. According to RBI rule, all Paytm client more likely than not checked. The individuals who not arriving KYC, the non-KYC client won't ready to utilize all the administration which is given by Paytm the would incorporate exchanging the money to your financial balance or store your cash up to Rs 20,000 in your Paytm wallet.

How to get Paytm KYC?

Have you been thinking about how to update PayTM wallet utmost, or how to redesign PayTM wallet? PayTM KYC is your answer! It is extremely simple to do your PayTM KYC. You should simply discover the Paytym KYC focuses close you and inside a couple of minutes, your check is finished. Well ordered manual for get your Paytm Payments Bank KYC done We have ended the Aadhaar-based procedure of experiencing Paytm Payments Bank KYC in accordance with the ongoing Aadhaar judgment by the Honorable Supreme Court.However, our clients can keep on experiencing their KYC by submitting other government-affirmed ID evidence/s.Here is all you have to think about getting your Paytm Payments Bank KYC done:

What are the records that can be utilized to experience KYC?

Paytm Payments Bank KYC can be done by giving any of the accompanying archives:

Driving permit

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Identification

NREGA work card

How would I complete my KYC?

Visit your closest Paytm Payments Bank KYC focus. You can scan for KYC focuses here.

Give your agree to update your Paytm Wallet or open a PPB Savings Account by means of IVR. The approved Paytm Agent will take photographs of your recognizable proof archives utilizing the PPBL application introduced on his telephone

Give extra subtleties like correspondence address, mother's name, father's name, and so forth.Affirm your demand by sharing the OTP got on your versatile number.

All buyer subtleties are caught through the devoted and secure KYC application of Paytm Payments Bank.

For what reason is it imperative to get Paytm KYC :

Have you been let you know won't ready to exchange money from Paytm wallet into your financial balance aside from on the off chance that you completed Paytm KYC? Try not to freeze, It's valid that finishing your Paytm KYC has now been made necessary. That why critical to get Paytm KYC

[anthonyekoehler]

Global Credit & Collection Harassment

Debt collection companies, like Global Credit & Collection Corp., cannot harass you over a debt. You have rights under the law. We will stop the harassment once and for all.

THE BEST PART IS…

If Global Credit & Collection violated the law, you will get money damages and Global Credit & Collection will pay our fees and costs.  You will not pay us a penny for our time.  Plus, some of our clients also receive debt relief and cleaned up credit reports.  You have nothing to lose!  Call us today at 888-572-0176 for a free consultation.  

Who is Global Credit & Collection?

Global Credit & Collection Corporation, also known as Affinity Global, is a third-party collection agency, with locations around the world, such as in Toronto, Ontario, Canada; Montreal, Quebec, Canada; London, England, United Kingdom; Panama City, Panama; and here in the states in Chicago, Illinois; Buffalo, New York; Denver Colorado; and New York, New York.  Global Credit & Collection uses slogans such as “Don’t let uncollected resources or opportunities slip by” and “We’re enhancing debt collection every day.”  According to the Better Business Bureau (“BBB”), Global Credit & Collection is a corporation and is a collection agency.  Global Credit & Collection Corp. is not BBB accredited.

According to bloomberg.com, Global Credit & Collection Corp.’s key people are: David Elmalem, CEO; Jeff Carew, President; and Scott McIlroy, Chief Business Development Officer.  Bloomberg.com also informs that Global Credit & Collection Corp. was founded in 1999.  Bloomberg.com also contains a detailed summary of all of Global Credit & Collection Corp.’s services: provides customer and account receivable management services. The company also offers business process outsourcing services that include Email transmissions, telephone operator services (411), social network management, letters and fax, call backs, voicemail message processing, internal escalation and resolution management, exceptions, payment processing and order and messenger, credit verifications, inventory management, enabling, documents filing, database management, online chats, satisfaction surveys, complaints and congratulations handling, franchise and retail store support, and portability of services. In addition, it provides customer acquisition services that include B2B and consumer appointment setting, welcome call campaigns to increase customer loyalty and reduce churn, consumer cross-selling, order taking and on-line fulfillment, and customer post sale surveys; and services to clients to engage, retain, and support their clients through voice, chat, Email, white mail, and social media channels. Further, the company develops customized CRM or IVR solution to manage company’s interactions with current and future customers. Its solutions include ARxVelocity, a module that processes records to assist with record rejection and reprocessing; ARxPartner, a module that provides a suite of tools for distributing and tracking accounts; and Ubiquity, a systems integration solution for business process management, workflow, forms, and document management. Further, it offers technical support services that include help desk, remote server monitoring, technician scheduling and dispatch, and installation and project management support. The company serves automotive, communications, retail, financial services, social, media management, and travel and leisure sectors.

Affinity Global, Global Credit & Collection Corp.’s parent entity, acquired another collection agency, Leading Edge Recovery Solutions, LLC on October 1, 2014.

It appears that Global Credit & Collection collects on debts owed to third parties.  Unlike some collection agencies, Global Credit & Collection Corp. does not appear to be a junk-debt buyer.  For example, some collection agencies buy debt for pennies on the dollar, and then collect on it.  Based on what we know, Global Credit & Collection Corp. does not buy debt—it simply collects on it on behalf of third parties.  Global Credit & Collection Corp. collects on various debts.  We’ve helped a lot of consumers deal with Global Credit & Collection when Global Credit & Collection Corp. is collecting on third-party debts.

Global Credit & Collection Address, Phone Number, and Contact Information

According to bloomberg.com, Global Credit & Collection is located at 1490 Denison Street, Markham, Ontario, Canada L3R 9T7.  However, its own website lists this address, plus the following 7 others:

2055 Peel St,

Suite 100

Montreal PQ H3A 1V4

Canada

5440 N Cumberland Ave Suite 300

Chicago, IL 60656-1490

USA

33 Dodge Road Suite 100

Getzville, NY 14068

USA

7555 E. Hampden Avenue, Suite 500

Denver, CO 80231

USA

517 West 113th Street

Suite 33

New York, NY 10025

USA

81 Oxford Street

London W1D 2EU

United Kingdom

Edificio Dorado Mall

Centro Comercial El Dorado Mall

Segundo Piso, local 6 and 7

Ciudad de Panama, Panama

The main telephone numbers for Global Credit & Collection are 800-563-4929 (Toronto); 514-284-5533 (Montreal); 800-663-4707 (Chicago); 800-663-4707; 800-663-4707 (Buffalo); 800-663-4707 (Denver); 866-684-1427 (New York); +011 44 (80) 8101 1699 (London); and +507 321-3619 (Panama City).  These are just some of many Global Credit & Collection contact numbers.

Global Credit & Collection’s websites include https://www.affglo.com, http://www.globalcollection.net, https://webpay.affglopayments.com, and https://www.tio.com/pay/global-credit-collection-corp   Global Credit & Collection’s fax number is 905-413-8627.  If you’re having a hard time getting something in writing from Global Credit, let us know and we’ll contact them for you.

Phone Numbers Used By Global Credit & Collection

Global Credit & Collection likely has dozens, if not over 100, phone numbers it calls from.  Here are a few phone numbers Global Credit may be calling you from:

855-601-0375

225-341-1136

919-648-2979

866-577-5827

800-563-4929

905-480-1364

877-337-3836

786-350-3926

866-349-8538

866-350-2950

856-689-9148

866-872-8399

905-413-8709

360-350-5282

407-965-0600

866-915-5210

877-234-1834

866-765-3921

905-413-8576

Global Credit & Collection Lawsuits

If you want to know just how unhappy consumers are with Global Credit & Collection, take a look at the number of lawsuits filed against Global Credit & Collection on the Public Access to Court Electronic Records (“PACER”).  PACER is the federal docket throughout the country that lists federal complaints filed against Global Credit & Collection.  When you do a search for Global Credit & Collection, there are over 516 lawsuits filed against Global Credit & Collection.  Most of these lawsuits involve consumer rights’ violations.

Global Credit & Collection Harassment

The Fair Debt Collection Practices Act (“FDCPA”) is a federal law that applies to everyone in the United States.  In other words, everyone is protected under the FDCPA.  The FDCPA is a laundry list of what Global Credit & Collection can and cannot do while collecting a debt, as well as things debt collectors must do while collecting a debt.  If Global Credit & Collection is harassing you over a debt, you have rights under the Fair Debt Collection Practices Act.

The Telephone Consumer Protection Act (“TCPA”) protects you from robocalls.  Robocalls are those annoying, automated, recorded calls that a computer makes to you all day long.  You can tell it’s a robocall because either no one is on the other end of the line or there’s a delay when you pick up the phone before a live person comes on the line.  You can get $500 per call if Global Credit & Collection violates the TCPA.  Have you received a message from Global Credit & Collection that sounds pre-recorded?  Or, maybe the message you received from Global Credit & Collection is cutoff at the beginning or the end?  These are tell-tale signs that the message is pre-recorded.  If you have these messages on your cell phone, you may have a TCPA case against Global Credit & Collection.

The Electronic Fund Transfer Act (“EFTA”) protects electronic payments that are deducted from bank accounts.  If Global Credit & Collection took unauthorized deductions from your bank account, you may have an EFTA claim.  Global Credit & Collection, like most collection agencies, wants to set up reoccurring payments from consumers.  Imagine how much money Global Credit & Collection gets if hundreds, if not thousands, of consumers electronically pay them $50-$100, or more, per month.  If you agreed to this type of reoccurring payment, Global Credit & Collection must follow certain steps to comply with the EFTA.  Did Global Credit & Collection continue to take electronic payments after you said stop?  Did Global Credit & Collection take more money from your checking account than you agreed to?  If so, let’s talk about your rights under the EFTA.

The Fair Credit Reporting Act (“FCRA”) works to ensure that no information reported to your credit report is false.  In essence, it gives you the right to dispute those inaccuracies that you find on your credit report.  We handled a lot of cases recently where Global Credit & Collection reported debt on a consumer’s credit report.  Global Credit & Collection likely reports on credit reports to obtain greater leverage over the consumer.  If Global Credit is on your credit report, they may tell you if you pay the debt, they’ll remove it from your credit report.  This is commonly known as Global Credit & Collection pay for delete.  You pay Global Credit, and they delete the debt from your credit report.  Even if Global Credit is not on your credit report, maybe the original creditor is.  If you pay off the debt to Global Credit, then the original creditor, and Global Credit, should accurately report this on your credit report.  For example, if Global Credit & Collection is working with, or on behalf of, Summit Receivables, and you pay either party the full amount, or a settlement in full, this payment should be reflected on your credit report.

Several states also have laws that provide its citizens an additional layer of protection.  For example, if you live in California, Texas, Florida, North Carolina, Wisconsin, Michigan, Montana, or Pennsylvania you may be able to tack on a state-law claim with your federal law claim above.  North Carolina, for example, has one of the most consumer-friendly statutes in the country.  If you live in NC, and you’re harassed over a debt, you may get $500.00 – $4,000.00 in damages per violation.  We work with a local counsel in NC.  Our NC clients have receive some great results in debt collection harassment cases.  If you live in NC, and Global Credit & Collection is harassing you, you have tons of leverage to get a great settlement.

HOW CAN WE USE THE LAW TO HELP YOU?

We will use state and federal laws to immediately stop Global Credit & Collection debt collection.  We will send a cease and desist letter to get the harassment to stop the same day.  If Global Credit violates the FDCPA, EFTA, FCRA, or any state laws, you may be entitled to money damages.  For example, under the FDCPA, you can get up $1,000.00 in damages plus actual damages.  The FDCPA has a fee-shift provision.  This means, Global Credit pays our attorney’s fees and costs.  If you have a TCPA case against Global Credit, we will handle it based on a contingency fee.

THAT’S NOT ALL…

We have helped hundreds of consumers stop Global Credit phone calls.  We know how to stop the harassment and get you money damages.  ONCE AGAIN, you will not pay us a penny for our time.  We will help you based on a fee-shift provision and/or based on a contingency fee. That means, Global Credit pays our attorney’s fees and costs.

What If Global Credit & Collection Is On My Credit Report?

Based on our experience, GLOBAL CREDIT & COLLECTION does credit report.  That means, GLOBAL CREDIT & COLLECTION will mark your credit report with the debt they are trying to collect on.  In addition to Global Credit & Collection, the original creditor may be on your credit report.  For example, if you owe Great Plains on a payday loan, and GLOBAL CREDIT & COLLECTION is collecting on it, both Great Plains and GLOBAL CREDIT & COLLECTION may have separate entries on your credit report.  This is important because you will want both parties to update your credit report if you pay off the debt.  

THE GOOD NEWS IS…

If GLOBAL CREDIT & COLLECTION is on your credit report, we can help you dispute it.  Mistakes on your credit report can be very costly.  Along with causing you to pay higher interest rates, you may be denied credit, insurance, a rental home, a loan, or even a job because of these mistakes.  Some mistakes may include someone else’s information on your credit report, inaccurate public records, stale collection accounts, or maybe you were a victim of identity theft. If you have a mistake on your credit report, there is a process to dispute them.  My office will help you pull your credit report and dispute any inaccurate information.

REMEMBER…

If a credit reporting agency violates its obligations under the Fair Credit Reporting Act (“FCRA”), you may be entitled to statutory damages up to $1,000.00, plus the credit reporting agency will be required to fix the error.  The FCRA also has a fee-shift provision.  This means, the credit reporting agency pays your attorney’s fees and costs.  Therefore, you will not pay me a penny for my time.  We have helped dozens of consumers fix inaccurate information on their credit reports.

Complaints against Global Credit & Collection

If you’re on this page, chances are you are just like the hundreds of consumers out there being harassed by Global Credit & Collection.  The complaints on the Better Business Bureau (“BBB”), various consumer websites, Google Reviews, and even the complaints on this page (below) are endless.  GLOBAL CREDIT & COLLECTION is not accredited by the BBB.  There are only 3 customer reviews on the BBB, but they are all negative.

Here are some of the BBB customer reviews regarding Global Credit & Collection:

“I received multiple recorded calls from Global Credit. After several calls, I called the number they gave and from which their calls came only to be ignored. They called again this morning, I called their number back, spoke with Christopher who transferred me to Caroline *****. They were calling for someone who is not at this number and I have had to go through hell to get my number off their list. I won’t know for a few days if I was successful. I’m not counting on it.”

“I suspect a phishing scheme. Beware.”

“I have been getting the run around from the Global Credit & Collection Corp for the past three days regarding my account. After THREE days of getting the run around, I finally asked to speak with a manager or supervisor. Someone who can answer some of my questions. Someone who has been put in charge due to their leadership skills and knowledge. However I got the complete opposite when I was transferred to ANDRE ***** of the Global Credit & Collection Corp. I have never in my life over the phone with a so call “respected” business been cut-off verbally multiple times, yelled at, and disrespected. ANDRE ***** would not even let me ask him a single question. He acted as if he did not even care about my situation. He had no interest in even hearing y question because for some odd reason he was under the assumption there was nothing he can do. How about listening to what I have to say ANDRE ***** and not raining your voice over mine while I’m trying to speak. If this was a business that sold a product I would never ever want to do business with them ever again. Also my original issue with Global Credit & Collection Corp has still not been resolved. Now whenever I call back this “manager” ANDRE ***** is “hovering” over all phone operators making sure my matter does not get attended too. Please help.”

Google Reviews do not get any better for Global Credit & Collection.  Although there is only 1 review, unsurprisingly, it is negative. On Google, GLOBAL CREDIT & COLLECTION has an average of 1 star. Here’s what people on Google have to say about GLOBAL CREDIT & COLLECTION:

“Once they had my bank information I was unable to get them to return my calls to adjust my payment dates.”

Apparently, most folks have chosen to vent about Global Credit & Collection Corp. on Consumer Affairs https://www.consumeraffairs.com.  There are 75 reviews of Global Credit & Corp. and unsurprisingly they are overwhelmingly negative. On Consumer Affairs, GLOBAL CREDIT & COLLECTION has an average of 1 star. Here’s what people on Consumer Affairs have to say about GLOBAL CREDIT & COLLECTION:

“I got a call today as I was driving from these people. When I answered they hung up so I called back. I got this arrogant “human” saying I supposedly took out a payday loan 5 years ago. I told them, “No I did not,” and this guy proceeded to start getting really mad at me and threaten with court papers and all. He asked for my updated mailing address and I said I did not have to give it to them and he hung up on me! I called back and he answered the phone and yelled into the phone “Why are you calling me back?”. I asked to speak to a supervisor and asked for this guy’s name and the name of the company and he said I did not need to know any of that. Again he hung up on me.”

“I received a letter from this company saying my son owes Citizens Bank $2,323.70. But yet my son has been locked up for 2 years since he was 17 years old. Why would I just be receiving a collection letter 2 years later? And when I checked his bank account at Citizens Bank 2 years ago it was at $0. Not -$2323.70… Why and how would he out of nowhere owe all this money a whole 2 years later?

I called and spoke with Robert who told me he could not give me any information and hung up on me. But yet they sent this letter to my house and my son was a minor before he was locked up, so why wouldn’t they give me the information needed so I can pay his debt… Plus… I really need to know if someone is stealing my son’s identification as well!

Well I called Citizens Bank and they told me my son doesn’t owe any money. And that his account was at $0 before it was closed out. Well that’s funny ’cause GLOBAL JUST TRIED TO COLLECT $2323.70… Which is a lot of money to try to steal from a 19 year old! BE VERY CAREFUL… You definitely don’t want to give any money to this company. Contact the creditor directly to make sure the debt is accurate… And pay the money directly to the ones you owe to make sure the money is going to the right place.”

“This company keeps calling me at work, on my (and all of my family’s) cell phones, and my home number. I am on the Do Not Call list. My numbers are unlisted and they do NOT have permission to call me at work. I’ve tried contacting them multiple times to cease and desist and they refuse to provide contact details. I’ve filed a complaint with the Illinois BBB and Attorney General because the number they called from, 8778659825, is listed as coming from Chicago. All of my loans (Student Loans, Car) are completely up to date and still with the original issuers (haven’t been sold off for non-payment). I have NEVER taken out any Payday loans. This company claims that I took out these loans in 2012 yet they waited three years to start collecting on loans I never paid on at all? These people are lowlifes and have no right to be calling me whatsoever.”

“My mother received a mail letter from them stating the collection was for $56 owed to JCPenney credit card (Synchrony Bank). The letter had a global account number (their internal number), an original account number (prefixed **), and the amount balance. My mother knows she had paid all her balances in full and stopped using the card few years already. If she had balances unpaid, she would at least receive them in the mail, perhaps a few times, correct? Anyways, the collection agency or group information is as follows: FROM ADDRESS: Global Credit & Collection Corp, 5440 N Cumberland Ave STE 300, Chicago, IL 60656-1490. MAIL CHECK TO ADDRESS: PO Box 129, Linden, MI 48451-0129.”

“This outfit has been calling and sending notices in the mail to us claiming my father ran up over $2400 debt on a Citibank card. My father has never applied for or used such this card. I know, I pay the bills around here. I have already reported them to the AG office here in Florida. The person talking on the phone to me was aggressive and rude, constantly interrupting me, claiming he would call every day. The only thing I can say is it has to be a scam. The notice in the mail is sent on a bulk mailing permit.”

Cases We Have Handled Against Global Credit & Collection

I THINK YOU’LL AGREE WITH ME WHEN I SAY…

Threats and harassment by collection agencies can be pretty intimidating.  Well, it turns out we can stop the harassment, attempt to get you money damages under the law, and the collection agency will have to pay us our fees and costs.  Here are some of the cases we’ve handled against GLOBAL CREDIT & COLLECTION:

Kevin C. v. Global Credit & Collection Corp.  In this case, GLOBAL CREDIT & COLLECTION attempted to collect a debt from Kevin that Kevin did not owe.  GLOBAL CREDIT & COLLECTION called our client on his cell phone.  GLOBAL CREDIT & COLLECTION called from 855-807-9166, which is one of GLOBAL CREDIT & COLLECTION’s phone numbers.  Our client called GLOBAL CREDIT & COLLECTION and explained to them that he did not owe any debt and to stop calling, but GLOBAL CREDIT & COLLECTION continued to call.  We alleged that Global violated both the Fair Debt Collection Practices Act and the Telephone Consumer Protection Act for Global’s actions.

Christopher H. v. Global Credit & Collection Corp.  Chris lives in Florida, and GLOBAL CREDIT & COLLECTION was calling our client on his phone.  GLOBAL CREDIT & COLLECTION called from 855-256-1623, which is a number belonging to GLOBAL CREDIT & COLLECTION.  Our client alleged that he told GLOBAL CREDIT & COLLECTION to stop calling him.  We even sent GLOBAL CREDIT & COLLECTION a cease-and-desist letter by facsimile to 866-915-5199.  Despite our client’s efforts, and our cease-and-desist letter, GLOBAL CREDIT & COLLECTION continued to call Chris in an attempted to collect a debt.  We sued GLOBAL CREDIT & COLLECTION in federal court and alleged GLOBAL CREDIT & COLLECTION violated the Fair Debt Collection Practices Act and its Florida analogue, the Florida Consumer Collection Practices Act.

Kim N. v. Global Credit & Collection Corp.  Here, GLOBAL CREDIT & COLLECTION was attempting to collect on a debt allegedly owed to Citibank.  GLOBAL CREDIT & COLLECTION called Kim’s parents and let a voicemail message for Kim’s parents disclosing that Kim owed a debt to Citibank, the amount of the debt, and other prohibited disclosures to a third party.  In this case, our client alleged Global Credit & Collection violated the Fair Debt Collection Practices Act.

Here’s What Our Clients Say About Us

Agruss Law Firm, LLC, has over 630 outstanding client reviews through Yotpo, an A+ BBB rating, and over 100 five-star reviews on Google. Here’s what some of our clients have to say about us.

“Agruss has done it again!  I am a returning Client to Agruss Law Firm. And once again they have proven why I choose them to assist me With my legal needs. Not only did we get a result that was favorable but my credit has improved because of it. Thanks again to Michael, Jim and the rest of the team!”

“I would recommend Mr Agruss 10 times out of 10, EXCELLENT!!!  I was being harassed by debt collectors that was over 10 years old right now to take me to court put me in jail on take money directly from my checking account or savings account. I did a little bit of research online and came up with Mr Agruss Law Firm. He was very helpful and explained everything in detail. If it was not for him I would still be getting the harassing calls. Thank you so much for your help and patience.”

“What a surprise.  Mike and his team have been great to work with. Jim handled my case, Jackie help, too. These folks care about their clients. I will certainly refer my family and friends to Agruss Law Firm. What a surprise it was to find such a caring law firm online.”

“Debt collection terminators.  This collection agency would not stop calling me even after I told them to stop calling me multiple times. Agruss Law Firm stopped the calls, settled my case, and I did not have to pay a penny for their services. I’m glad I found these folks.”

Can Global Credit & Collection Sue You?

Although anyone can sue anyone for any reason, we have never seen Global Credit & Collection sue consumers.  It’s likely GLOBAL CREDIT & COLLECTION does not sue because they are not a junk-debt buyer.  Also, GLOBAL CREDIT & COLLECTION would have to hire a lawyer, or use in-house counsel, to file a lawsuit.  It’s likely GLOBAL CREDIT & COLLECTION collects debts through the entire country.  Therefore, it would be very difficult to have lawyers, or a law firm, licensed in every state.  There are collection agencies that do sue consumers.  For example, Portfolio Recovery Associates is one of the largest junk-debt buyers.  Portfolio Recovery Associates collects on debt and also sues on debt.  So, it would be very unusual if GLOBAL CREDIT & COLLECTION sued you.  The original creditor, on the other hand, may hire a collection firm, or lawyer, to sue you.  If Global Credit & Collection has threatened to sue you, call us.  We can help.

Can Global Credit & Collection Garnish Your Wages?

No, not unless they have a judgment.  If Global Credit & Collection has not sued you, then GLOBAL CREDIT & COLLECTION cannot get a judgment.  If Global Credit & Collection does not have a judgment, then GLOBAL CREDIT & COLLECTION cannot garnish your wages.  Minus limited situations (usually dealing with debts owed to the government for student loans, taxes, etc.), in order to garnish someone’s wages, you need a judgment first.  In short, we have not seen Global Credit & Collection file a lawsuit against a consumer.  So, GLOBAL CREDIT & COLLECTION cannot garnish your wages, minus the exceptions listed above.  If Global Credit & Collection has threatened to garnish your wages, contact our office right away.     

Global Credit & Collection Settlement

If you want to settle a debt with Global Credit & Collection, ask yourself these questions first:

Do I really owe this debt?

Is this debt within the statute of limitations?

Is this debt on my credit report?

If I pay this debt, will Global Credit & Collection remove it from my credit report?

If I pay this debt, will the original creditor remove it from my credit report?

If I pay this debt, will I get something in writing from Global Credit & Collection confirming the payment and settlement terms?

These are not the only things to consider when dealing with debt collectors.  We are here to help you answer the questions above, and much more.  Whether it’s harassment, settlement, pay for delete, or any other legal issue with Global Credit & Collection, the folks at Agruss Law Firm are here to help you.

Share Your Complaints About Global Credit & Collection Below

Post your complaints about GLOBAL CREDIT & COLLECTION.  Sharing your complaints about GLOBAL CREDIT & COLLECTION will help other consumers know what to do when GLOBAL CREDIT & COLLECTION starts calling. Sharing your experience may help someone else.

HERE’S THE DEAL!

If you are being harassed by Global Credit & Collection over a debt, you may be entitled to money damages. Get up to $1,000 for harassment, and $500-$1,500 for illegal robocalls.  Under various state and federal laws, we will help you based on a fee-shift provision and/or based on a contingency fee.  That means, the collector pays your attorney’s fees and costs.  You won’t pay us a penny.  We have settled thousands of debt collection harassment cases.  Let us help you today.  Contact Agruss Law Firm at 888-572- 0176 to stop the harassment once and for all.

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Affordable Asterisk Support: Do You Really Need It? This Will Help You Decide!

Many of the large, medium and small enterprises use Asterisk which is an open source PBX solution. GVenture specializes in Asterisk Solution and helped many businesses from this open source PBX solution. For business, Asterisk is an affordable and highly powerful Linux based open source PBX solution. Asterisk solutions are now used by every large as well as small business organizations all over the world. GVenture is one of the providers who provide the Affordable Asterisk Solution.

Asterisks have a lot of useful functions that make it a strong IVR platform. Functions such as audio playback, digit collection, recording, database and web service access, optional speech recognition and synthesis, calendar integrations and much more are used in IVR.  Through the Asterisk gateway or Dialplan languages IVR applications can be building and after that, they can integrate virtually with any external system.

What's Right about affordable Asterisk Support?

There is no need for additional hardware for Voice-over-IP in Asterisk. A single/multiple VOIP can be used for the calls. Asterisk provides Voicemail services with Call Conferencing, Directory, Call Queuing, and Interactive Voice Response which is the most important features of it. It has support for three-way calling, caller ID services. Affordable Asterisk Support is provided by GVenture which will be very helpful to you in every step.

GVenture is the best IVR solution Provider!

IVR aka Interactive Voice Response is a telephony technology in which a touch-tone telephone is to be used to interact with a database to acquire information. IVR technology doesn’t require the human interaction at all over the telephone. The user access will be only allowed by the IVR system if it is predetermined. GVenture will help you in providing the latest solution which you want to be implemented in your business IVR.

Mostly large corporate PBX’s today uses IVR.  Naturally, it is automated voice menus which you’ve heard while talking to your telecom operator, bank or any insurance company. The recorded voice asks you for an input which wills supposedly for the transaction. You can input the response in the form of digits (DTMF or dual tone multi frequency tones. Then after the transactions which will be executed will be resulted what the user has given the inputs.  We are going to inspect IVR coding so the hardware configuration needed. Though there is a lot of IVR answer provider we guarantee you GVenture crack the list.

Full 24*7 Technical Supports

If finally, you have decided to implement Asterisk Solutions in your business we suggest you go for GVenture’s Asterisk Solution in your business. The feature of which will enhance your telephony experience and will fulfil your basic and advance communication needs and also you can customize it as per your business requirements. These all are the signs of success in your business. Best IVR solution provider is the GVenture.

About GVenture, IVR solution Provider

GVenture has a fully fledged and expert team of Asterisk Developers as well as Affordable Asterisk Support professionals. Hence along with the required customization and implementation of Asterisk Solution at your premises, we also provide 24*7 full and live Technical Support so that all of your queries and issues are resolved on time so that you can run your business without any interruption and delay. Our relationship will be valued so that we provide excellent customer service.

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How Do I Get a Refund from Southwest Airlines Due to Covid-19

How to Get a Refund from Southwest Airlines Due to Covid-19?

The Southwest Airlines Covid Refund Policy is different for refundable and non-refundable tickets. There are a lot of changes in the flight schedules due to the covid 19 pandemic. Passengers as well the airlines have been affected to a great extent.

You have to follow the normal refund process of the airlines to get a refund if the airline cancels your flight booking due to covid 19. You get all the details through messages on your registered phone number, and the flight status on the official website is also updated with the same information.

You can get a refund from Southwest Airlines due to Covid-19 through the below-mentioned process-

1. Login into the official website of Southwest airline

2. Select the change/cancel option on booking IVR on the home page of the official website

3. Enter the details of your confirmation number, first name, and last name

4. Select cancel the flight and initiate the process of refund.

5. Download the details for further reference

You can complete the refund process on your own or get more knowledge through Southwest Airlines Covid Refund Policy if you get stuck at any stage of getting a refund from the airlines.

The policy to get a refund from Southwest Airlines Due to Covid-19

The airline's official website contains all the details regarding the refund policy of the airlines. A separate column has been arranged for the refund policy if the tickets are canceled due to the covid 19 pandemic.

You can understand the policy to get a refund from Southwest Airlines Due to Covid-19 of the airlines through the following points-

· The airline uses the Southwest Airlines Covid Refund Policy to inform you about the flight booking status through a message or the official website.

· You can apply for a refund on the official website or the mobile application.

· If applicable, you can contact the customer care service to complete the refund process.

· You get a full refund on the refundable tickets in the manner of booking the flight.

· You do not get a refund on non-refundable flight tickets, but you get travel funds that can be used at a later date before its expiration date.

· According to the Southwest Airlines Covid Refund Policy, you get the refund amount (if applicable) in the manner of booking.

· You get a refund from Southwest Airlines Due to Covid-19 in the form of a cheque issued in the name of the passenger if you had paid cash at the time of booking your flight ticket.

· The tickets booked through a debit card or credit card get a refund in their bank account attached with the debit card and credit card. It takes 5 to 6 working days to get a refund from the airlines.

All the information related to cancellation and refund is available on the airlines' official website. You get the latest updates regarding Southwest Airlines Covid Refund Policy from the social media platforms such as Twitter, Facebook, and youtube.