Alliance Collection Agencies, Inc.

We have reviewed the follow up correspondence from Mr. [redacted]. As we stated in our initialresponse, the account has been placed with Alliance Collection Agencies, Inc. because the medical lineof credit was deemed in default by the original creditor, Marshfield Clinic. Our position remains thatthis account is due and owing, and continues to accrue interest at the rate set by in the medical line ofcredit agreement that this consumer signed with the Marshfield Clinic.As we indicated in our previous response, we have sent to Mr. [redacted] a copy of the medicalline of credit contract, and a list of all payments made while the account was at Alliance BusinessServices (which was monitoring the medical line of credit for payments on behalf of Marshfield Clinic)to assist him in understanding the current balance that has been placed with Alliance CollectionAgencies, Inc. for collections.We are more than happy to try and provide any additional information that Mr. [redacted] mayneed. We would ask him to call into our office at 1-800-215-1547 and speak with an account managerwho should be able to assist him in clarifying any additional concerns or questions that he may have.Our office hours are Monday – Thursday, 8:00 a.m. – 7:00 p.m. and on Friday from 8:00 a.m. – 5:00 p.m.

This letter serves in response to the Revdex.com complaint submitted by this consumer. (Revdex.com ID#[redacted]). In response to the complaint, we have investigated and reviewed the accounts of Mr.[redacted] and reviewed all call recordings and mailings associated with this consumer’s accounts.In his complaint, this...

consumer states that Alliance has not responded to his request to provide“proof that I owe the debts they claim”, and requests removal of the accounts from his credit report.Our records reflect that we have responded to his request and provided via U.S. mail (first class mail,return service requested) copies of the documentation to this consumer which validate the amountsowed. Please note that none of those letters have been returned to our office as undeliverable.What we have provided to this consumer is the documentation legally required to confirm thedebt. As such, our position remains that all credit reporting on this consumer’s account are accurateand there is no proper justification or legitimate reason to remove these accounts from his credit report.Should this consumer have any questions, we would invite him to contact us at ###-###-####and speak with an [redacted].

This letter serves in response to the follow-up Revdex.com complaint submitted by this consumer. (Revdex.comID# [redacted]). Our Manager of Collections has reached out to Mr. [redacted] and his concerns are beingaddressed. It is our understanding that the two will continue to converse directly with one another inan effort to resolve Mr. [redacted]’s complaint and concerns.At this time, because of the communication between this consumer and our Manager ofCollections, we consider this complaint to be addressed. If this consumer needs anything further,please do not hesitate to have them contact our agency.

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this does not resolve my complaint.  For your reference, details of the offer I reviewed appear below.
[To assist us in bringing this matter to a close, we would like to know your view on the matter.]I am not looking for a monthly statement from acs. I am looking for the same thing I have since 214. I want a detailed acct statement. Defaulting on proving my balance voids any collection attempt. If you can't prove I owe it I don't owe it in a court of law. Please provide a detail transaction statement immediately either way. I can provide my payments that was no help. Plus tacking on interest in the amount due when defaulting doesn't work. You can not add interest when you are ceasing the debt. I only pay interest on money borrowed. If I pay it there will be no interest
Regards,
[redacted]

This letter serves in response to the complaint sent to our Agency on March 12, 2015, which has
been assigned a complaint ID of [redacted] by the Revdex.com. The complaint from Ms.
[redacted] was in regard to the garnishment proceedings which was started against her by Attorney
[redacted]...

[redacted] on behalf of the judgment creditors in [redacted] case number [redacted]. For the
sake of clarity, I would like to point out that [redacted] [redacted] is an independent attorney’s office,
and not an affiliate of Alliance Collection Agencies, Inc.
While we are sympathetic that Ms. [redacted] had health issues that made it difficult to call in to set up
payments, our office attempted on numerous occasions to contact her after her last payment in
December of 2014 to re-establish payments to retire her balance before turning the account over to Mr.
[redacted] in February to pursue garnishment as a means to collect the balance owed.
In her complaint, Ms. [redacted] states that Attorney [redacted] did not wait the thirty (30) days before
starting garnishment proceedings against her. I would invite her to go back and re-read the letter that
Attorney [redacted] sent dated February 13, 2015. I have reviewed the letter that Mr. [redacted] sent her, and
it does not state that he will hold off on pursing garnishment until after the 30 days had passed, only that
she had 30 days to dispute the validity of the debt. Please review the third (3rd) paragraph of his letter
which states:
“The law does not require me to wait until the end of the thirty (30) day period before initiating
the garnishment action. If, however, you request proof of the debt or the name and address of
the original creditor within the thirty (30) day period that begins with your receipt of this letter,
the law requires me to suspend my efforts until I mail the requested information to you.”
Additionally, in her complaint Ms. [redacted] states the Mr. [redacted]’s letter indicated that unless she
contacted his office or Alliance within 30 days, that the garnishment proceedings would be initiated.
Again, the only thing that Mr. [redacted]’ s letter stated was that if she wanted to dispute the debt or the
validity of the debt, that she had 30 days to do so. Nowhere in the letter from Mr. [redacted] did it indicate
that contacting either Alliance or Mr. [redacted] would stop the garnishment process. Mr. [redacted]’s letter
did indicate that if she wished to avoid the garnishment, Ms. [redacted] could contact Alliance and pay the balance that is owed. For your reference, I would invite her to read the fourth (4th) paragraph of Mr.
[redacted]’s letter, which states:
“If you have questions about the garnishment of your earnings, or if you wish to avoid the
garnishment by paying the balance you owe, please call Alliance at ###-###-####”
At this time, our position remains that it was appropriate to turn Ms. [redacted]’s account over to Attorney
[redacted] to secure payments via garnishment, and that Mr. [redacted] was within his legal obligations by
filing the garnishment before the 30 day validation period expired.
Should this consumer continue to have questions or concerns about their account, they may contact us at
###-###-#### and speak with an account manager.
Sincerely,
Compliance Department
Alliance Collection Agencies, Inc.

This letter serves in response to the complaint sent to our Agency on May 28, 2015, which hasbeen assigned a complaint ID of [redacted] by the Revdex.com.In February of 2013, this consumers entered into a Medical Credit Line agreement with[redacted] in the amount of $2,154.80. The...

payment on the agreement at the time it wasexecuted was to be $60.00 per month. Per the terms of the agreement, the account was administered byAlliance Business Services (ABS), a division of Alliance Collection Agencies, Inc. (Please note thatAlliance Business Services is not a collection agency and only monitors payment arrangements).In November of 2013, the consumers did an addendum to the Medical Credit Line, adding anadditional $986.13 in charges to the amount they owed to the [redacted]. That increased thepayment obligation each month to $75.00.In November of 2014, in response to a query by the consumer as to the application of paymentsmade on their account, Alliance Business Services sent the consumers a list of payments that had beenmade on their accounts to that point. Shortly thereafter, the consumers stopped making payments ontheir account.Alliance Business Services sent monthly statements to the consumer, and when the consumerstopped making payments in January of 2015, sent notices of delinquency as well as a Right to Cureand information that their account would be turned over for collections if not paid.In March 2015, the account was classified by [redacted] as a defaulted loan and placedwith Alliance Collection Agencies (ACA) for collections.Please note that unlike ABS, which sends monthly statements, Alliance Collection Agenciesdoes not send monthly statements to consumers as the entire amount is due and owing. ACA will sendanother List of Payments that were made when the account was placed with ABS as well as copies ofthe Medical Credit Line and Addendum to the consumer for their reference.While we understand the consumers’ desire to resume their payments, that option is no longeravailable because despite several written warnings and a Right to Cure notice being sent, theconsumers defaulted on the terms of their Medical Credit Line and the entire balance is now due andowing.We appreciate that this is not the answer and resolution that the consumers were looking forwhen they reached out to the Revdex.com. If the consumers have any questions or concerns,we would invite them to call ###-###-#### and speak with an Account Manager about their account.Sincerely,Compliance DepartmentAlliance Collection Agencies, Inc.

This letter serves in response to the complaint submitted by Mr. [redacted] (Revdex.com Complaint ID# [redacted]). In his complaint, Mr. [redacted] makes representations that he was not provided proper notice of his account being placed with our agency and that Alliance had an obligation to notify him...

prior to reporting this account to the credit bureaus.In response to this complaint, his account (Alliance account number 349XXXX) was reviewed, including all letter activity on the account. After reviewing the information, I can provide the following information:This account was placed with our agency by Aurora Health Care, Inc. on February 28, 2015. On March 4, 2015, our agency mailed to Mr. [redacted] the required first notice under the Fair Debt Collection Practices Act, which advised him that the account had been placed with our agency. That letter did provide the necessary information on requesting validation of the account and also provided the “Mini-Miranda”. That letter was sent U.S. Mail, return service requested. That letter was not returned to us by the postal service as undeliverable.I do note in our records that this consumer did dispute the account in writing, which was received by our office on December 31, 2015. In response to that dispute, we did mail on January 15, 2016 an itemization of the charges that form the amount owed on this account.It was Mr. [redacted]’s belief that we had an obligation to notify him in writing before the account was reported to the credit bureaus. We disagree with his assessment and interpretation of the law in that regard. Our position remains that we have appropriately reported this account to the credit bureaus, and the law does not require that we notify him in advance before doing so.At this time, based on our review, it appears that our agency did everything correctly with respect to following the law and providing the required initial validation notice to this consumer (which was not returned to our agency as undeliverable) and did not do anything improper in reporting this account to the credit bureaus.If Mr. [redacted] has any other questions or concerns about his account, we would invite him to contact our office at ###-###-#### and speak with an Account Manager. But, with respect to his desired outcome that this account be removed from his credit report, we are not willing to provide that relief, as it appears, based on our review, that the account was handled appropriately.

This letter serves in response to the complaint submitted by Ms. [redacted], (Revdex.com Complaint ID# [redacted]) on February 8, 2016. In response to her complaint, I can advise that all accounts, account notes and call recordings associated with this consumer were reviewed.In review of the account,...

I note that a few days after filing this complaint on February 8, 2016, the consumer called back into our office and spoke with one of our account managers, [redacted]. During that call, [redacted] was able to talk with the consumer during the call and address the concerns that the Ms. [redacted] raised in her complaint to the Revdex.com. Additionally, during that call, [redacted] was able to explain to this consumer what information we would need in order to review her financial situation to try and come up with a mutually agreeable payment arrangement.Ms. [redacted] called back later that evening on the 8th of February and spoke with another account manager, Mike. Mike and Ms. [redacted] were able to go through her financial situation and as a result, were able to set up a payment plan for Ms. [redacted] that worked within her financial situation.As our staff has spoken with Ms. [redacted], addressed her concerns about the handling of account and set up a payment plan with this consumer, we believe that we have handled the questions and concerns that this consumer raised in her complaint to the Revdex.com.We would invite Ms. [redacted] to call our office and speak with an account manager at ###-###-#### if she has any other questions or concerns about her accounts listed with our agency. We are happy to provide whatever information we can or work with this consumer if she has additional concerns.Very truly yours,

This letter serves in response to the complaint sent to our Agency on February 10, 2015,which has been assigned a complaint ID of [redacted] by the Revdex.com. In hercomplaint, the consumer indicates that she has paid the accounts in question that were listedwith our agency and that...

Alliance has refused to delete those accounts from her credit bureaureport.As we have indicated to this consumer on the phone, we will not accommodate herrequest to remove the paid accounts from her credit bureau report. Alliance CollectionAgencies, Inc. has a responsibility to report all information to the credit bureaus fairly andaccurately. Alliance adheres to the industry standard of reporting paid collection accounts as“paid in full” with the credit bureaus. Our position is that it is improper for us to delete orremove a report unless the report was made in error, because by doing so we would not beproviding to the credit bureaus an accurate representation of the consumer’s credit history.We understand that this position is in conflict with this consumer’s desired resolutionto their complaint. We apologize that we are unable to honor her request to remove theseaccounts. Please note however that all accounts have been reported to the credit bureaus as“Paid in Full”, and should reflect as such on this consumer’s credit report.Should this consumer continue to have questions or concerns about their account, theymay contact us at ###-###-#### and speak with an [redacted].

This letter serves in response to the complaint to the Revdex.com submitted by this consumer (Revdex.com ID#[redacted]). In Mr. [redacted]’s complaint, he indicates that he feels that his rights under [redacted] law havebeen violated and that our agency has failed to respond to his requests for information about hisaccounts....

I will attempt to address each of his concerns in relatively the same order as he providedthem in his complaint.Mr. [redacted]’s main complaint is that Alliance Collection Agencies has not validated his accountsupon receipt of his request for validation. Our office did in fact send Mr. [redacted] copies of the itemizedstatements for the accounts he disputed that are currently open with our agency. All of the itemizedstatements were mailed on November 11, 2015, with the exception of one, which had to be requestedfrom the client and was mailed on November 24, 2015. All of the itemized statements were sent to Mr.[redacted], via U.S. Mail, return service requested. To date, those letters have not been returned to ouroffice as undeliverable.Our agency did in fact receive Mr. [redacted]’s letter on November 18, 2015, wherein he disputedaccount #[redacted]. Our agency responded to his letter by advising him in writing on November 24,2015 that because his dispute was substantially similar to his earlier dispute, we would not be sendingthat validation to him again, because we had sent that information to him, just a week earlier. Again,that letter dated November 24, 2015 was sent via U.S. Mail, return service requested. To date, thatletter has not been returned to our office as undeliverable.In his letter and in his complaint, Mr. [redacted] makes reference to the [redacted] Finance Code and hisbelief that he is entitled to a copy of our surety bond and a copy of our collection agreement with theoriginal creditor. Our Agency is licensed in the State of [redacted], and as such complies with all [redacted]state law requirements, including having the necessary surety bond filed with the [redacted] Secretary ofState. The law does not require that we provide copies of the surety bond or our collection agreementsto individual consumers. If Mr. [redacted] would like to confirm the status of our license with the State of[redacted], he may do so by accessing the [redacted] Secretary of State’s websiteIn his complaint, Mr. [redacted] makes reference to his concern that he may be a victim of identitytheft and are unsure if the charges we are attempting to collect may have been fraudulent. As we haveprovided copies of the relevant itemized statements to Mr. [redacted], it should be possible for him toascertain if the medical services provided were a result of identity theft. If that is the case, we wouldstrongly recommend that he notify law enforcement and file a police report.Based upon review of our records and reviewing all the pertinent account information, it is ourposition that our agency has acted appropriately and within the law when responding to Mr. [redacted]’srequests for information. The Fair Credit Reporting Act and the credit bureaus require that creditreporting agencies report fair an accurate information to an individual’s credit report. At this time,based on the information that we have, it appears that we are accurately doing so. If Mr. [redacted] hasadditional information that would prove that his accounts are fraudulent or the result of identity theft,we would, in accordance with our responsibilities under the law, review and revisit the issue.However, at this time, removing these accounts from his credit bureau, without additional informationwould put our agency at odds with our responsibility to report information about his accounts fairlyand accurately to the credit bureaus.I understand that this is likely not the answer Mr. [redacted] is expecting in response to hiscomplaint. We will, based on his complaint, re-send all of the itemized statements that were previouslysent to Mr. [redacted]. Mr. [redacted] should keep an eye on his mail, as the information will arrive in a plainbrown envelope, with a return address in Marshfield, Wisconsin. Should he have any questions orconcerns, or wish to discuss his accounts in detail, I would invite him to call our office and speak withan [redacted] at ###-###-####. Our office hours are Monday – Friday, 8:00 a.m. – 5:00 p.m.(Central Standard Time).Please note, that per his request, our agency will not contact him via telephone. In the event Mr.[redacted] would like to rescind that order, he may contact us at the phone number noted in the paragraphabove.Very truly yours,[redacted]Alliance Collection Agencies, Inc

Review: I have long known I have outstanding medical debt and don't dispute the amount. I have finally gotten to the point I can start paying my past due medical bills, while keeping current medical debt in good standing. I haven't received phone calls from Alliance for several years, nor have I received any letters. On January 20th 2016 I checked my credit report and obtained Alliance's phone number. I discussed my account as well as my husbands. I asked if they were able to settle the balance and they advised me they could not. I asked about a payment plan and was informed I could pay $220 per month to pay off the debt in 20 months. I told the representative I could not afford that but could pay $100 per month. The representative said that would not be sufficient and I let him know I'll try to figure my finances out and pay what I can in yhe meantime. This debt intially occured in 2011. When I FINALLY have the funds to start paying and seek THEM out they refuse my payment offer and on February 5th I receive a letter stating that they recieved permission from their client to file a lawsuit against me!! What kind of company does this? My taxable gross for last year was just over $23000. Why not setup a payment plan with me instead of sueing me? This is what I get for finally trying to manage my debt? If I would have never contacted Alliance, I would have never recieved this notice of a possible lawsuit!Desired Settlement: I want to know if I owe Alliance this debt or Marshfield Clinic. Who would be the plaintiff if I am sued? I need a clear explantation as to why this debt can't be settled. I need to speak to someone who can help me with a reasonable payment plan! And I need an apology. In the beginning of my phone call with the representative at Alliance I was told that their goal is to respect and protect my integrity but instead I was threatened will a lawsuit when I've never even received a bill!

Business

Response:

This letter serves in response to the complaint submitted by Ms. [redacted], (Revdex.com Complaint ID# [redacted]) on February 8, 2016. In response to her complaint, I can advise that all accounts, account notes and call recordings associated with this consumer were reviewed.In review of the account, I note that a few days after filing this complaint on February 8, 2016, the consumer called back into our office and spoke with one of our account managers, [redacted]. During that call, [redacted] was able to talk with the consumer during the call and address the concerns that the Ms. [redacted] raised in her complaint to the Revdex.com. Additionally, during that call, [redacted] was able to explain to this consumer what information we would need in order to review her financial situation to try and come up with a mutually agreeable payment arrangement.Ms. [redacted] called back later that evening on the 8th of February and spoke with another account manager, Mike. Mike and Ms. [redacted] were able to go through her financial situation and as a result, were able to set up a payment plan for Ms. [redacted] that worked within her financial situation.As our staff has spoken with Ms. [redacted], addressed her concerns about the handling of account and set up a payment plan with this consumer, we believe that we have handled the questions and concerns that this consumer raised in her complaint to the Revdex.com.We would invite Ms. [redacted] to call our office and speak with an account manager at ###-###-#### if she has any other questions or concerns about her accounts listed with our agency. We are happy to provide whatever information we can or work with this consumer if she has additional concerns.Very truly yours,

Review: I contacted Alliance Collection Agency over 30 days ago with a letter asking them to provide me with proof that I owe the debts they claim. Alliance failed to answer my request, and thus I asked them to remove negative marks from my credit bureaus as they could not prove my debts. Alliance has failed to answer or reply to my requests in a timely matter. I am asking alliance to cooperate and remove these items from my credit report as they can not prove these debts.Desired Settlement: I'd like to have all negative marks on my credit report removed from alliance as they have not been cooperative in a timely matter as well as haven't been able to prove that these are indeed my debts.

Business

Response:

This letter serves in response to the Revdex.com complaint submitted by this consumer. (Revdex.com ID#[redacted]). In response to the complaint, we have investigated and reviewed the accounts of Mr.[redacted] and reviewed all call recordings and mailings associated with this consumer’s accounts.In his complaint, this consumer states that Alliance has not responded to his request to provide“proof that I owe the debts they claim”, and requests removal of the accounts from his credit report.Our records reflect that we have responded to his request and provided via U.S. mail (first class mail,return service requested) copies of the documentation to this consumer which validate the amountsowed. Please note that none of those letters have been returned to our office as undeliverable.What we have provided to this consumer is the documentation legally required to confirm thedebt. As such, our position remains that all credit reporting on this consumer’s account are accurateand there is no proper justification or legitimate reason to remove these accounts from his credit report.Should this consumer have any questions, we would invite him to contact us at ###-###-####and speak with an [redacted].

Business

Response:

This letter serves in response to the follow-up Revdex.com complaint submitted by this consumer. (Revdex.comID# [redacted]). Our Manager of Collections has reached out to Mr. [redacted] and his concerns are beingaddressed. It is our understanding that the two will continue to converse directly with one another inan effort to resolve Mr. [redacted]’s complaint and concerns.At this time, because of the communication between this consumer and our Manager ofCollections, we consider this complaint to be addressed. If this consumer needs anything further,please do not hesitate to have them contact our agency.

Consumer

Response:

[A default letter is provided here which indicates your acceptance of the business's response. If you wish, you may update it before sending it.]

I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me.

Regards,

Review: The basis for my dispute is “ Allian Coll” 349XXXX was required to notify me prior to 2/8/2015, or no later than 30 days after furnishing the negative information to credit bureau reports, in writing...under such section 623, subsection (7)(A).

However, in my records I am unable to locate documentation you complied with this requirement,

which is a violation of the FCRA & FDCPA.

Also, Allian Coll failed to give me my "Mini-Miranda" five days prior to placing this derogatory item

on all of my credit reports, per Section 807(11) & FDCPA §809, which is $1000 per violation and

the state of WI allows treble damages.

Under § 809. Validations of date and Mini-Mirandi under Section 807(1) Allian Coll failed to send

me my initial communication before placing this alleged item on my credit reports further violating

the FCRA, with $1000 per violation. Allian Coll is held liable as well for defamation and in the state ofWI a creditor is who collects their on debt is considered a debt collector under TDCPA.Smith v. Heard 980 S.W.2d693(Tex.App-San

Antonio 1989 reh.den.)citingMonroe v. Frank 936 S.W.2d 654(Tex.App-Dallas 1996 writ dism'd w.o.j.)Desired Settlement: I will if the account is not taken back and removed from any and all credit bureau reports, I will turn

this over to [redacted] FDCPA and FCRA national Attorney to look and take over this complaint.

Therefore, provide me documentation of notification (i.e. a copy of the notification sent), and proof

that it was delivered to me in a timely manner (i.e. a dated certified mail delivery confirmation with

my signature).. 30 days before or 30 days after ( 2/8/2016) the date it was opened with the

bureaus as you have listed

Business

Response:

This letter serves in response to the complaint submitted by Mr. [redacted] (Revdex.com Complaint ID# [redacted]). In his complaint, Mr. [redacted] makes representations that he was not provided proper notice of his account being placed with our agency and that Alliance had an obligation to notify him prior to reporting this account to the credit bureaus.In response to this complaint, his account (Alliance account number 349XXXX) was reviewed, including all letter activity on the account. After reviewing the information, I can provide the following information:This account was placed with our agency by Aurora Health Care, Inc. on February 28, 2015. On March 4, 2015, our agency mailed to Mr. [redacted] the required first notice under the Fair Debt Collection Practices Act, which advised him that the account had been placed with our agency. That letter did provide the necessary information on requesting validation of the account and also provided the “Mini-Miranda”. That letter was sent U.S. Mail, return service requested. That letter was not returned to us by the postal service as undeliverable.I do note in our records that this consumer did dispute the account in writing, which was received by our office on December 31, 2015. In response to that dispute, we did mail on January 15, 2016 an itemization of the charges that form the amount owed on this account.It was Mr. [redacted]’s belief that we had an obligation to notify him in writing before the account was reported to the credit bureaus. We disagree with his assessment and interpretation of the law in that regard. Our position remains that we have appropriately reported this account to the credit bureaus, and the law does not require that we notify him in advance before doing so.At this time, based on our review, it appears that our agency did everything correctly with respect to following the law and providing the required initial validation notice to this consumer (which was not returned to our agency as undeliverable) and did not do anything improper in reporting this account to the credit bureaus.If Mr. [redacted] has any other questions or concerns about his account, we would invite him to contact our office at ###-###-#### and speak with an Account Manager. But, with respect to his desired outcome that this account be removed from his credit report, we are not willing to provide that relief, as it appears, based on our review, that the account was handled appropriately.

Review: I have an October 2013 judgment filed against me for medical bills that are currently in collection with Alliance Collection Agencies, Inc. I paid faithfully on this debt until December 2014 when my authorized monthly withdrawals ended. Due to a number of personal health issues, I wasn't contact them to make arrangements for the balance of the amount owed. In mid-February, I received a letter from their law firm, [redacted] that they would initiate a wage garnishment for the balance owed unless they or Alliance were contacted within 30 days of the date of the letter. The letter was dated February 13, 2015 and I received it on February 17, 2015. I called them on March 12, 2015 to make arrangements for the balance owed and found their attorney has already initiated the wage garnishment through the county court despite what he indicated in the February letter! I then tried contacting the attorney directly to see why this happened and was basically given the brush off. He told me he had a conference call and I would have to call him back. Now I have to figure out how I will have to do without 20% of my income and have to explain to my employer about the garnishment before the court contacts them. I don't dispute the debt is owed. I dispute the tactics they are using to collect it.Desired Settlement: I want the wage garnishment withdrawn. I am willing and able to continue with the payment arrangements as I had from November 2013 to December 2014.

Business

Response:

This letter serves in response to the complaint sent to our Agency on March 12, 2015, which has

been assigned a complaint ID of [redacted] by the Revdex.com. The complaint from Ms.

[redacted] was in regard to the garnishment proceedings which was started against her by Attorney

[redacted] on behalf of the judgment creditors in [redacted] case number [redacted]. For the

sake of clarity, I would like to point out that [redacted] is an independent attorney’s office,

and not an affiliate of Alliance Collection Agencies, Inc.

While we are sympathetic that Ms. [redacted] had health issues that made it difficult to call in to set up

payments, our office attempted on numerous occasions to contact her after her last payment in

December of 2014 to re-establish payments to retire her balance before turning the account over to Mr.

[redacted] in February to pursue garnishment as a means to collect the balance owed.

In her complaint, Ms. [redacted] states that Attorney [redacted] did not wait the thirty (30) days before

starting garnishment proceedings against her. I would invite her to go back and re-read the letter that

Attorney [redacted] sent dated February 13, 2015. I have reviewed the letter that Mr. [redacted] sent her, and

it does not state that he will hold off on pursing garnishment until after the 30 days had passed, only that

she had 30 days to dispute the validity of the debt. Please review the third (3rd) paragraph of his letter

which states:

“The law does not require me to wait until the end of the thirty (30) day period before initiating

the garnishment action. If, however, you request proof of the debt or the name and address of

the original creditor within the thirty (30) day period that begins with your receipt of this letter,

the law requires me to suspend my efforts until I mail the requested information to you.”

Additionally, in her complaint Ms. [redacted] states the Mr. [redacted]’s letter indicated that unless she

contacted his office or Alliance within 30 days, that the garnishment proceedings would be initiated.

Again, the only thing that Mr. [redacted]’ s letter stated was that if she wanted to dispute the debt or the

validity of the debt, that she had 30 days to do so. Nowhere in the letter from Mr. [redacted] did it indicate

that contacting either Alliance or Mr. [redacted] would stop the garnishment process. Mr. [redacted]’s letter

did indicate that if she wished to avoid the garnishment, Ms. [redacted] could contact Alliance and pay the balance that is owed. For your reference, I would invite her to read the fourth (4th) paragraph of Mr.

[redacted]’s letter, which states:

“If you have questions about the garnishment of your earnings, or if you wish to avoid the

garnishment by paying the balance you owe, please call Alliance at ###-###-####”

At this time, our position remains that it was appropriate to turn Ms. [redacted]’s account over to Attorney

[redacted] to secure payments via garnishment, and that Mr. [redacted] was within his legal obligations by

filing the garnishment before the 30 day validation period expired.

Should this consumer continue to have questions or concerns about their account, they may contact us at

###-###-#### and speak with an account manager.

Sincerely,

Compliance Department

Alliance Collection Agencies, Inc.

Review: We have had an account with Alliance for about 2+ years now. Our current payment arrangement is $75 a month. In December 2014 I opened a statement from Alliance stating balance due is 2400. My original debt was no more than 3100. So I called to question how my principal can only drop $700 in 2 years paying $75 a month. I was told we missed some payments which is possible. So I asked for an itemized statement of balance and payment. Alliance has refused, as well as stated they cannot provide this. I have ceased payments on this account until I can receive this statement.

Alliance is now calling threatening collection action. We have told them we would be willing to pay $300 lump sum and then continue our $75 payment. We also then requested a copy of our statement again. They again claim they cannot provide this. And they are refusing our intial arrangement even though the $300 would makeup for the 4 missed payments.

Alliance is now saying we have to pay $300 a month or they will turn it over to collections and place it on the credit report.

$300 is a ridiculous amount for a medical bill payment. I again repeat I am willing to pay $300 to get back on track and pay the agreed $75 a month.

But I do want Alliance to provide a detail statement showing balance and payment since my account opened.Desired Settlement: Looking to resume our current agreement, but also to receive an actual itemized detailed statement. None of this seems like too much to ask. It makes me concerned with the validity of the company that they repeatedly refuse to provide a statement.

Business

Response:

This letter serves in response to the complaint sent to our Agency on May 28, 2015, which hasbeen assigned a complaint ID of [redacted] by the Revdex.com.In February of 2013, this consumers entered into a Medical Credit Line agreement with[redacted] in the amount of $2,154.80. The payment on the agreement at the time it wasexecuted was to be $60.00 per month. Per the terms of the agreement, the account was administered byAlliance Business Services (ABS), a division of Alliance Collection Agencies, Inc. (Please note thatAlliance Business Services is not a collection agency and only monitors payment arrangements).In November of 2013, the consumers did an addendum to the Medical Credit Line, adding anadditional $986.13 in charges to the amount they owed to the [redacted]. That increased thepayment obligation each month to $75.00.In November of 2014, in response to a query by the consumer as to the application of paymentsmade on their account, Alliance Business Services sent the consumers a list of payments that had beenmade on their accounts to that point. Shortly thereafter, the consumers stopped making payments ontheir account.Alliance Business Services sent monthly statements to the consumer, and when the consumerstopped making payments in January of 2015, sent notices of delinquency as well as a Right to Cureand information that their account would be turned over for collections if not paid.In March 2015, the account was classified by [redacted] as a defaulted loan and placedwith Alliance Collection Agencies (ACA) for collections.Please note that unlike ABS, which sends monthly statements, Alliance Collection Agenciesdoes not send monthly statements to consumers as the entire amount is due and owing. ACA will sendanother List of Payments that were made when the account was placed with ABS as well as copies ofthe Medical Credit Line and Addendum to the consumer for their reference.While we understand the consumers’ desire to resume their payments, that option is no longeravailable because despite several written warnings and a Right to Cure notice being sent, theconsumers defaulted on the terms of their Medical Credit Line and the entire balance is now due andowing.We appreciate that this is not the answer and resolution that the consumers were looking forwhen they reached out to the Revdex.com. If the consumers have any questions or concerns,we would invite them to call ###-###-#### and speak with an Account Manager about their account.Sincerely,Compliance DepartmentAlliance Collection Agencies, Inc.

Consumer

Response:

Review: I had 4 medical bills in collections with Alliance in the past. All of them have been paid in full since 2014. I also had one medical bill in collections with a company by the name of [redacted] has removed reporting of the collection from my credit report, but alliance refuses to remove theirs. They say it cannot be done. I know this is a lie because [redacted] removed their reporting from my credit report. I was young and without medical insurance when the medical debt was obtained. I made minimum wage and lived on my own. The $50 per month I offered to pay Alliance was never accepted as a reasonable payment amount and I was told I would need to pay more. I am now [redacted]. The debt has been paid. I want to apply for a home mortgage, but this reporting is dragging my credit score down. I want to move forward, but alliance is making this extremely hard.Desired Settlement: I would like the reporting on my credit report removed.

Business

Response:

This letter serves in response to the complaint sent to our Agency on February 10, 2015,which has been assigned a complaint ID of [redacted] by the Revdex.com. In hercomplaint, the consumer indicates that she has paid the accounts in question that were listedwith our agency and that Alliance has refused to delete those accounts from her credit bureaureport.As we have indicated to this consumer on the phone, we will not accommodate herrequest to remove the paid accounts from her credit bureau report. Alliance CollectionAgencies, Inc. has a responsibility to report all information to the credit bureaus fairly andaccurately. Alliance adheres to the industry standard of reporting paid collection accounts as“paid in full” with the credit bureaus. Our position is that it is improper for us to delete orremove a report unless the report was made in error, because by doing so we would not beproviding to the credit bureaus an accurate representation of the consumer’s credit history.We understand that this position is in conflict with this consumer’s desired resolutionto their complaint. We apologize that we are unable to honor her request to remove theseaccounts. Please note however that all accounts have been reported to the credit bureaus as“Paid in Full”, and should reflect as such on this consumer’s credit report.Should this consumer continue to have questions or concerns about their account, theymay contact us at ###-###-#### and speak with an [redacted].

Review: I received a bill from Alliance Collections that was a medical bill turned over to them to handle. I had health insurance at the time of a surgery and had the procedure pre-approved before having surgery and the insurance actually paid the bill and then later took the money back saying I now owed the bill myself. I did make an agreement with Alliance to make payments of $300 per month for 3 years. I made my first payment in December 2011. The original bill was just over $10,000 and my current balance is still $7400 after having paid $7800 at this point. I called and requested a payment history and it took me calling 2 times to receive it. What I received only shows what portion of my payment was applied to interest and what portion was applied to principle balance. There is nothing showing what my actual balance was at any time other than what it is on the current date. When I called and asked for a statement showing what my beginning balance was I was advised they do not keep that information and there is nothing in their system that they have in order to see what my beginning balance was. I was also told that they can only provide amounts that were noted at any given time I made a call to make my payment. I receive no form of a bill or statement from them and apparently they have no records of what your balance is other than what they have come up with as a balance on the current date. With records like that how is it even possible to begin to know what my actual balance really is? They also did not provide the balance of your account for the entire first year I called in to make my payments to them. That just started within the last year of me calling in my payments. I also have no idea what kind of an interest rate they are charging me as they have not provided me with this information either.

I find it impossible to believe that a company that is supposed to collect on a debt has absolutely no records of what your balance was at the start or what it has been along this entire time I have been making payments. I also work for a company that collects on debts and we have a complete payment history showing what the beginning balance was and how payments have been applied as well as what the current balance is.Desired Settlement: I want a statement showing what my beginning balance is so that I can actually see what my money has been going toward. I want proof of what my debt was at the start of this entire process which I believe I am entitled to see.

Business

Response:

Mr. [redacted]:

This letter serves in response to complaint #[redacted] that was submitted to the

Wisconsin Revdex.com. The consumer raises several grievances about the

information that Alliance Collection Agencies, Inc. is able to provide her about her accounts.

The consumer states that Alliance is not able to advise them of what the original balance was

on an account. An account manager is able to advise any consumer of what their original

balance was when the account was placed with the agency (please note that the amount owed

could be adjusted after the date the account is listed with our agency if the client makes any

changes to the balance due to insurance, other payments, credits or adjustments, etc.) or what

the current balance is when an individual calls in to discuss their account.

With respect to the interest that may be changed on an account, Alliance Collection

Agencies only charges interest on accounts where a judgment has been granted by a court of

competent jurisdiction. The interest rate that is charged on judgment accounts is the legal rate

set by Wisconsin state statute. The judgment granted against the consumer was in 2009. At

this time the interest rate on judgments was 12% - that is the rate that has been applied to the

consumer’s accounts that were part of the judgment that was granted. Because of the interest

on these accounts, the account balance varies on a daily basis. All other accounts that the

consumer has listed with this agency that were not part of the judgment, as stated previously,

do not incur interest.

The consumer states that Alliance does not send a bill or statement to give them the

balance of their account. Alliance is not a billing company. We do not send monthly

statements or bills to consumers. We have in the past sent the consumer, at their request, a

payment history for all payments that has been made to Alliance in the past. Moving forward

these accounts will be noted to have a receipt mailed to the consumer any time a payment is

made. The receipt will provide the current account information that this consumer is looking

for. Hopefully the consumer finds that information helpful.

In addition, the consumer indicates that she would like proof of what their debt was at

the start of this process. We would be happy to provide the consumer with a copy of all of the

itemized statements for these accounts that still have an open balance, which will show the

amounts that were turned over for collections. Additionally we will provide a breakdown of

where the payments were applied and what the balance on each account was after that

payment. (Consumer should note that the balances on judgment accounts change on a daily

basis because of the interest that is added.) Those itemized statements and financial

breakdown will be mailed shortly to the address we have on file for the consumer.

Should the consumer have any other questions or concerns about their accounts or

balances, we would encourage them to call ###-###-#### and speak with an account manager

and that information can be provided.

Sincerely,

Compliance Department

Alliance Collection Agencies, Inc.

Review: We have a garnishment on us for a medical bill from [redacted] and we have asked for paperwork on the billing to see if we already paid for the bill. They will not answer us nor send any details of the bill. We just paid off a bill at [redacted] for the around the same amount. When trying to contact Alliance they were rude and would not answer any questions we had. Alliance stated they would send paperwork on it and it has been three weeks since that conversation took place. We have never gotten a bill from Alliance either so how is that fair to us? We did not even know a bill was placed in alliance to begin with.Desired Settlement: To have paperwork given to us to see if this bill has already been paid, and also to stop garnishments on paycheck.

Business

Response:

This letter serves in response to the Revdex.com complaint submitted by this consumer. (Revdex.com ID#[redacted]).Our records reflect that we have not spoken with this consumer since 2013. Our client,Marshfield Clinic, did receive a default judgment against this consumer on September 16, 2015, whenthe consumer did not appear at the return date to contest the small claims summons and complaint thatwas filed.This consumer did fill out the court ordered financial disclosure statement, setting forth theircurrent financial situation. On October 19, 2015, an earnings garnishment was filed with the Court in[redacted]. A copy of that information, along with a blank “Debtor’s Answer” was sent to thisconsumer at the address provided. That letter has not been returned to us as undeliverable.Additionally, this consumer indicates that they have received no information on this accountfrom Alliance. Our agency sent the required first notice to the consumer in April of 2013, and thatletter was not returned to our office as undeliverable.We would be happy to address any questions or concerns that this consumer has about thestatus of their account with our agency. We would invite her to contact us at ###-###-#### and speakwith an account manager who can go into detail with the consumer about their account.In the meantime, we have instructed our staff to provide this consumer with a copy of thejudgment from [redacted] for their records.

Review: MY FAMILY RECEIVED A COLLECTION NOTICE FROM ALLIANCE COLLECTION AGENCIES, INC REGARDING PAYMENTS MADE TO [redacted]. ALLIANCE REFERANCE NUMBER [redacted], AMOUNT $785.00. PAYMENTS WAS MADE TO [redacted] EACH MONTH. OUR BANK PROVIDED PHOTO COPY OF PROCESSED CHECKS CASHED BY [redacted]. LAST CHECKED PROCESSED WAS DONE ON 01/21/2014. LAST CHECK IS SENT OUT TODAY THAT COMPLETES THE SALE OF THE CPAP MACHINE OWNED BY [redacted]. ALL CHECKS WAS SENT TO [redacted], ATTENTION [redacted].Desired Settlement: STOP COLLECTION PROCESS, REMOVE COLLECTION FROM OUR CREDIT SCORE.

Business

Response:

This letter is in response to your email of January 29, 2014 and complaint number

9904523. In his complaint, the consumer states payment of this debt was made directly to our

client and that the debt is no longer valid.

We contacted our client who confirmed the accuracy of Mr. [redacted]’s statements. The

account was listed with our agency on January 21, 2014, the same day Mr. [redacted]s made his final

payment to the client. We have cancelled the account and returned it to our client as listed in

error. No report of this debt has been made to any credit reporting agency.

If you require more information on this account, please do not hesitate to contact us.

Sincerely,

Compliance Department

Alliance Collection Agencies, Inc

Consumer

Response:

[A default letter is provided here which indicates your acceptance of the business's response. If you wish, you may update it before sending it.]

I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me.

Review: During my first initial contact with Alliance Collection agency I spoke with a representative [redacted] on 1/27/2014 and had agreed upon a payment arrangement at that time. This representative failed to inform me that by me agreeing to that arrangement that it would negatively affect my credit and would be reported on my credit report on 2/11/14. I spoke with [redacted] briefly this morning regarding the false and misleading information I received during out initial conversation and my direct representative stated that because "didn't pay on the account in January that she couldn't stop it from being reported.". I then, requested that upon satisfaction of the debt that they would update my credit report showing this account is not in a collections stand point, I think spoke with [redacted]'s supervisor [redacted] and she stated that they would not be removing the negative remark on my credit report despite the fact this was not properly explained to me, I even requested a "pay and delete" statement from Ms. [redacted] and she refused to provide any documentation.Desired Settlement: Based on the fact that my initial representative did not fully explain to me that the arrangement that I made with Alliance Collections agency would negatively effect my credit because I "didn't pay in January" that this should have never have been reported on my credit report as an account that is in collections. I believe if they would have fully and effectively communicated the terms of the arrangement this would not have negatively effected my credit and am requesting that upon my final payment that they remove the negative trade line to repair their mistake.

Business

Response:

RE: Complaint #[redacted]

Dear Mr. [redacted],

This letter serves as the response of Alliance Collection Agencies, Inc. to complaint [redacted] which was

submitted to your office on 3/3/2014.

Alliance Collection Agencies, Inc. takes its responsibility as a data furnisher seriously. We are under a legal

obligation under the Fair Credit Reporting Act’s “Furnisher’s Rule” to report information to the credit

bureaus that is accurate and complete. Our position is that we have done so in this case. This consumer’s

report was eligible for reporting to the bureaus because the balance was not paid by the reporting date and

this took place in early February, before any payments were received on this account.

In addition to our responsibility under the Furnisher Rule to provide information that is accurate and

complete, the credit reporting agencies (i.e., TransUnion, Equifax, Experian) have policies in place that we

are expected to adhere to as a data furnisher. Those policies generally do not permit a data furnisher to

remove accurate information, as the removal of accurate information would result in an inaccurate credit

history of a consumer.

While the account was eligible to be reported based on the reporting requirements and was properly reported

by our system because it was a delinquent account with a balance, I can appreciate the consumer’s position

that they made contact with our agency and set up payments before the account was reported, so based on

that, I have made the request to have the entry for that account removed. Please note that it may take up to

sixty (60) days for the credit bureaus to update their records and for the removal to reflect on the consumer’s

credit report.

Very truly yours,