Vengroff Williams, Inc. (VWI) is a receivables management and collection company founded in 1963. Consumers usually hear from it about a medical bill, a consumer account, or a disability benefit overpayment an insurer or plan wants repaid.
- Type
- Collection agency
- Also known as
- Vengroff Williams, Inc; Vengroff Williams Inc.; VWI
- Collects
- consumer accounts, medical bills, disability benefit overpayments, commercial accounts
- Phone numbers it lists
- (941) 363-5200, (800) 238-9655
- Website
- vwinc.com
33 debt collection complaints were sent to the Consumer Financial Protection Bureau about Vengroff Williams, Inc from November 13, 2023 to November 12, 2026. A complaint is a consumer's account, not a finding that the company broke the law. Read the complaints in the CFPB database.
Who Is Vengroff Williams?
Vengroff Williams, Inc., which brands itself VWI, says it was founded in 1963. Today it markets itself as a finance and accounting outsourcing company, offering order-to-cash services for businesses, healthcare revenue cycle management, medical subrogation and third-party collections. Its contact page lists U.S. offices at 9024 Town Center Parkway in Lakewood Ranch, Florida; 2099 S. State College Blvd. in Anaheim, California; and 368 Veterans Memorial Highway in Commack, New York, plus an operation in Europe, the Middle East and Africa.
VWI's licensing page says it holds active licenses in all required states. It lists Nevada compliance details, including NMLS #920359 and a compliance manager certificate, along with New York and New Mexico disclosures.
Why Vengroff Williams May Be Contacting You
VWI's home page lists collections in commercial, consumer, medical and legal categories, and a separate "Benefit Overpayments" line covering disability overpayments, collections, payment plans and settlement. For an individual, that usually points to one of three situations:
- a hospital or medical practice bill that VWI is handling as part of revenue cycle or collection work;
- a disability insurer or benefit plan seeking repayment of benefits it says were overpaid; or
- another consumer account a business has placed with VWI.
The Florida office number is (941) 363-5200, and the California and New York offices list (800) 238-9655.
How to Check a Debt Vengroff Williams Says You Owe
Benefit overpayment claims deserve particular care, because the amount depends on how the insurer applied offsets under your policy or plan.
- Get the validation notice. Where the FDCPA applies, it must name the creditor and itemize the balance (15 U.S.C. § 1692g; 12 C.F.R. § 1006.34).
- Dispute in writing within the validation period. For an overpayment, ask for the calculation, the policy or plan language relied on, and the dates of the benefits in question. For a medical bill, ask for the itemized bill and insurance payments.
- Identify the current creditor. Ask whether the insurer, plan or provider still owns the claim.
- Check the math against your records. Compare any lump-sum award notices, benefit statements and prior repayments.
- Consider timing. In Texas, most debt suits must be brought within four years (Tex. Civ. Prac. & Rem. Code § 16.004), and debt buyers cannot sue on time-barred consumer debt (Tex. Fin. Code § 392.307). Employer benefit plans and other states can be governed by different rules.
What Vengroff Williams Can and Can't Do
When VWI collects consumer debts owed to others, it is a "debt collector" under 15 U.S.C. § 1692a(6). Whether a particular benefit overpayment counts as a consumer "debt" under the FDCPA can depend on the facts, but the basic rules for consumer collections include:
- It may not misrepresent the amount or legal character of what is owed (15 U.S.C. § 1692e(2)).
- For Texas medical bills, providers generally must send an itemized bill before collection. See our Texas SB 490 update.
- It may not call more than seven times in seven days about one debt, presumptively (12 C.F.R. § 1006.14(b)(2)).
- It may not threaten legal action it does not intend to take, and Texas generally does not allow wage garnishment for consumer debts.
We did not find a CFPB enforcement action against Vengroff Williams. If its collection conduct concerns you, see our Texas FDCPA attorneys page.
We Sue Debt Collectors That Break the FDCPA
Texas Debt Law files Fair Debt Collection Practices Act lawsuits against debt collectors in federal court for consumers in Texas, California, Illinois, Georgia and Colorado. If Vengroff Williams or anyone collecting for it harassed you, misstated what you owe, threatened action it could not take, or told others about your debt, you may have a claim. A court can order a collector that violated the FDCPA to pay your actual damages, up to $1,000 in additional statutory damages, and your attorney's fees and costs (15 U.S.C. § 1692k(a)). An FDCPA claim generally must be filed within one year of the violation (§ 1692k(d)), so keep your letters, call logs, voicemails and screenshots, and talk to us early. Texas residents may also have claims under the Texas Debt Collection Act. Learn more from our FDCPA attorneys.
Free FDCPA Case Review(214) 851-2250
Or start your free case evaluation online. No lawyer can promise a result; every claim depends on its facts and proof.
Sources
- Vengroff Williams: home page
- Vengroff Williams: The VWI Difference
- Vengroff Williams: Contact us
- Vengroff Williams: Licensing
- CFPB enforcement actions list
- CFPB Consumer Complaint Database: Vengroff Williams, Inc, debt collection
This profile is general information compiled from public sources, not legal advice, and it does not state or imply that Vengroff Williams has violated any law. Company details change; tell us if something here is out of date.